Mortgage and Insurance

Hey everyone,

 

I’m looking to pick up a new cash back / points card as I am not very happy with the ones that I have.

 

Based on the following information, what would you recommend I apply for:

 

Equifax Score – 777

 

Nissan Motor Acceptance Corp (Car Loan): Owe roughly $20,000 (current)

Direct Loans (student loans): $22,000 (in repayment, current)

Capital One Platinum: $5,000 credit line

Chase: $17,000 credit line

Citi Premier Pass: $11,300 credit line

Citi Platinum Select: $10,500 credit line (currently have about $1,000 on this, 0% APR until end of May)

Best Buy Store Card: $3900 credit line

Guitar Center Store Card: $10,000 credit line

Lowes Credit Card: $7400 credit line

 

All of them are reporting $0 balances except for the Citi Premier Pass (I pay in full every month) and the Citi Platinum (will pay off by May).

 

What I’m looking for is a cash back / points card to replace my Premier Pass and Cap One Platinum. Both of these cards off me a point per dollar spent on most purchases, and I have to have about 10,000 points on each of them just to redeem a $100 gift card (which I use for my everday purchases and save the $100 I would have spent otherwise). 

 

What cards are worth applying for? Which cards have each of you been happiest with?

 

Thanks in advance, and I really love these forums – lots of great advice for everyone!