Thursday, June 25, 2015

My Ideal Wallet Q3 2015

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Credit Sesame, Discover

These are the Credit and Debit cards that will either be in my wallet from July 1st until the end of September 2015

Make sure to sign up for Credit Sesame and/or Credit Karma to monitor any changes in your credit history for free (I have both).

  • Chase Ink Classic (Business Card) - 5% cashback at Office Supply Stores, Cable, Phone (Landline or cell) and Internet bills.
    • 20,000 Ultimate Rewards for spending $3,000 in 3 months.
    • No annual Fee

  • Citi Dividend - 5% cashback on Hilton Hotels and Airlines
      • Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  I haven't used it much this year.
      • I might use this for airlines, but I am sure many of you can use this.
      • You can't sign up for this card, but many people have reported that you can product change from a different Citi card to the Dividend.

  • Bank of America Better Balance Rewards - $25 back for every quarter that you pay your full bill or more than the minimum balance in every month. Another $5 if you have a Bank of America Checking account.

    • Best Usage - Set up a monthly bill on this card and auto pay the full balance. You never have to think about it and then every three months you will get $30.
    • You can try to get multiple of these cards as well.
    • Sign up for a card with a sign up bonus and then product change to the BBR card.