Finalized my simple 17 credit card setup

Discussion / Conversation Forum
1

Wanted to keep it simple, so I’m only using 17 cards. Figured no need to juggle cards, gotta save my brainpower for the important stuff. Might expand to 20 cards someday, but don’t want to get too crazy here.

Issuer/Card Reward
AMEX Blue Cash Preferred 6% Grocery/Streaming
Citi Custom Cash [1] 5.55% Home Improvement Stores
Citi Custom Cash [2] 5.55% Drugstores
Citi Shop Your Way 5% Gas + Reoccurring Offers
U.S. Bank Cash+ [1] 5% Department/Electronic
U.S. Bank Cash+ [2] 5% Sporting Goods/Ground Transportation
U.S. Bank Harris Teeter 5% Mobile Wallet
Redstone FCU Visa Signature 5% Dining + 3% discount stores/utilities/phone
Chase Freedom Visa Signature 5% Rotating
AMEX Amazon 5% Amazon
Synchrony PayPal 3% PayPal
Synchrony Venmo 3% Wholesale + Walmart
Wells Fargo Autograph 3% Travel + CDW
BofA Customized Cash 3% Online
Fidelity Rewards 2% Catch All
Citi Cash Rewards Purchases Under $5
NFCU Platinum 12.24% APR
2

Simple. Easy. Clean. Effective. I love it.

3

I felt this in my bones.

4

Yeah. Don’t complicate it at all. I need a foldable flowchart to keep in my billfold with this.

5

How are you going to collect points to travel or do something??

6

Kelley said:
How are you going to collect points to travel or do something??

I assume this is a cash back setup.

7

Simple as compared to Sebby, sure. Now, can you channel Jonny Ive and get it down to one single card? That is true simplicity.

8

Luchivya said:
Simple as compared to Sebby, sure. Now, can you channel Jonny Ive and get it down to one single card? That is true simplicity.

I would probably just use Robinhood gold and milk it for as long as I can.

9

Exactly, 21 cards would be crazy. 20 is reasonable.

10

Very reasonable. Thank you for making me feel less ridiculous with my 8 card setup.

11

MarkLee said:
Very reasonable. Thank you for making me feel less ridiculous with my 8 card setup.

I’ve given up on trying to explain it to people.

I still try, so just fail every time.

12

Super simple. You could probably add 1 or 10 more cards to improve it slightly. Otherwise, A+ setup.

13

Dez said:
Super simple. You could probably add 1 or 10 more cards to improve it slightly. Otherwise, A+ setup.

How do you justify Amex Plat, CSR, and Autograph journey? Not trolling just genuinely curious how you utilize them together.

14

Nice Profile…

15

Love it, but how about a simple 19?
Ditch the BCP with AF and:
Add a 3rd Custom Cash for 5.55% Dining
Add a 4th Custom Cash for 5.55% Grocery
Add a 3rd USB Cash+ or Elan MCP for 5% utilities and cell phones

Could even go a 5th Custom Cash for 5.55% Gas, but that would be 20 and excessive.

16

You’re paying 12.24% interest on a card?

17

NFCU random af lol.

18

Ciel said:
NFCU random af lol.

Known for having the lowest APR card (highest CL) in the industry.

19

But the real question is: are you doing the Amex retention fee waiving trick? Because if not, your yield is a measly 4.4% on groceries!

20

Nice set up; I wish I was able to get the Redstone before they geo-fenced it. Now I’m stuck with using the Citi Custom for dining.