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Message
Best CC for rewards
Posted on 7/8/25 at 8:18 pm
Posted on 7/8/25 at 8:18 pm
Not airline miles as those will not get used.
Looking for the CC that has best rewards system.
Looking for the CC that has best rewards system.
9
Posted on 7/8/25 at 8:32 pm to HeartAttackTiger
What are your biggest spending categories?
Posted on 7/8/25 at 9:01 pm to HeartAttackTiger
Hard to beat the Venture X + Savor duo. Venture X 2% back on everything. Savor 3% back on restaurants and grocery. Can move the points from Savor to Venture X interchangeably. $395 fee on Venture X but you get $300 travel credit and 10,000 points annually (minimum of $100) so its basically a free card. Savor has no annual fee
I didn't even scratch the surface of all the additional perks that comes with the Venture X or maximizing value by moving the points to transfer partners. That is only upside from the base earning that I outlined above
I didn't even scratch the surface of all the additional perks that comes with the Venture X or maximizing value by moving the points to transfer partners. That is only upside from the base earning that I outlined above
Posted on 7/8/25 at 9:07 pm to HeartAttackTiger
Chase sapphire preferred
$99
$50/year hotel credit
75k point signup bonus
$99
$50/year hotel credit
75k point signup bonus
Posted on 7/8/25 at 9:13 pm to HeartAttackTiger
I just stick with my Wells Fargo card that is 2% back on everything, and my Amazon Prime card that is 5% back at Amazon.
This post was edited on 7/8/25 at 9:14 pm
Posted on 7/8/25 at 9:33 pm to HeartAttackTiger
If you don't want to chase categories fidelity 2% or sofi 2% back on all categories no caps
Posted on 7/8/25 at 9:40 pm to HeartAttackTiger
Best no-fee cards
- Chase Amazon Rewards Visa - 5% back Amazon & Whole Foods / 2% back restaurants and gas stations, 10% back Amazon promo periods (2-3 per year)
- Chase Freedom Unlimited - 3% dining and drugstores, 5% back Chase portal, 1.5% back everything else, can transfer points to Sapphire Preferred for 1.25x redemption or partner transfer
- Costco Visa - 4% back at gas stations, 3% travel and dining, 2% back at Costco
- Citi Doublecash - Flat 2% back on everything
- Discover It and/or Chase Freedom - Rotating 5% back categories, i.e. Groceries, Wholesale clubs, Target/Amazon, etc
Best fee cards
- Amex BlueCash Preferred ($95 AF) - 6% back groceries and streaming services, 3% back at gas stations and transit (Uber, Lyft, parking). If you have a family, this is a must-get solely for the 6% back on groceries
- Chase Sapphire Preferred ($95 AF) - 3% back on dining, travel, online groceries, and select streaming, 5% back on Chase Travel Portal, $50 annual credit for hotel stays, 1.25x point redemption in Chase Portal or Pay Yourself Back, transfer to travel partners like Hyatt (best use of points), amazing signup bonus (60,000 points after $4k spend in 3 months, worth 75,000 if you use them with Chase)
I don't frick with Capital One anymore because they're so jewish with their credit lines and limit increase requests and their customer service is cheeks compared to Amex and Chase
I have 10+ cards that all have tailormade use cases, ask me any questions you may have. I'm also an expert on churning if you want to put for the the effort to farm sign-up bonuses and rack up points. I used to have a lot of the designer cards with $550+ fees but none of them are worth it anymore, unless you're willing to farm the sign up bonuses and then downgrade
- Chase Amazon Rewards Visa - 5% back Amazon & Whole Foods / 2% back restaurants and gas stations, 10% back Amazon promo periods (2-3 per year)
- Chase Freedom Unlimited - 3% dining and drugstores, 5% back Chase portal, 1.5% back everything else, can transfer points to Sapphire Preferred for 1.25x redemption or partner transfer
- Costco Visa - 4% back at gas stations, 3% travel and dining, 2% back at Costco
- Citi Doublecash - Flat 2% back on everything
- Discover It and/or Chase Freedom - Rotating 5% back categories, i.e. Groceries, Wholesale clubs, Target/Amazon, etc
Best fee cards
- Amex BlueCash Preferred ($95 AF) - 6% back groceries and streaming services, 3% back at gas stations and transit (Uber, Lyft, parking). If you have a family, this is a must-get solely for the 6% back on groceries
- Chase Sapphire Preferred ($95 AF) - 3% back on dining, travel, online groceries, and select streaming, 5% back on Chase Travel Portal, $50 annual credit for hotel stays, 1.25x point redemption in Chase Portal or Pay Yourself Back, transfer to travel partners like Hyatt (best use of points), amazing signup bonus (60,000 points after $4k spend in 3 months, worth 75,000 if you use them with Chase)
I don't frick with Capital One anymore because they're so jewish with their credit lines and limit increase requests and their customer service is cheeks compared to Amex and Chase
I have 10+ cards that all have tailormade use cases, ask me any questions you may have. I'm also an expert on churning if you want to put for the the effort to farm sign-up bonuses and rack up points. I used to have a lot of the designer cards with $550+ fees but none of them are worth it anymore, unless you're willing to farm the sign up bonuses and then downgrade
Posted on 7/8/25 at 9:42 pm to SG_Geaux
quote:
I just stick with my Wells Fargo card that is 2% back on everything
same
Posted on 7/9/25 at 5:18 am to Carson123987
quote:this quarter is gas and utilities. hard to beat that if you don't live in a city in an apartment.
Discover It and/or Chase Freedom - Rotating 5% back categories, i.e. Groceries, Wholesale clubs, Target/Amazon, etc
Posted on 7/9/25 at 7:18 am to Carson123987
quote:I use this card and a Capital One Venture which gives me 2% back on everything. I don’t want to deal with changing categories
Amex BlueCash Preferred ($95 AF) - 6% back groceries and streaming services, 3% back at gas stations and transit (Uber, Lyft, parking). If you have a family, this is a must-get solely for the 6% back on groceries
Posted on 7/9/25 at 8:11 am to HeartAttackTiger
If you're just looking for a 1 card setup, you'll probably just get a 2% back on everything card like Citi Double Cash or WF Active Cash.
If you want to optimize some with multiple cards and dont want to do anything other than cash back; a good setup might be:
- 2% Citi Double Cash/WF Active Cash - catch all not in categories below
- 5% Chase Freedom Flex/Discover IT/Citi custom cash - rotating categories or 5% on top spend category
- 6% AMEX Blue Cash Preferred - use for groceries/streaming services, $95 AF
- Costco/Sams club card - if you have a membership to either; these are great for gas (4-5% CB) and both do 3% on restaurants; costco does 3% on travel booked through them
- 3% Cap one Savor - if you dont have costco/sams club membership then this is a good dining CB card
I personally have:
- Cap One Venture; my catch all card for 2x miles
- AMEX Blue Cash; for groceries/streaming services at 6%
- Costco Citi; for 4%/5% on gas, 3% on restaurants, 3% travel through costco, 2% at the store (same as Venture though)
- Chase Freedom; for the occasional category where 5% back works for me
- Target red; Wife has this for her Target stuff at 5%
- Amazon prime; we have this for 5%-7% back at Amazon, sometimes up to 10% back
- IHG Premier; just got this for the 5 free nights at 300k points bonus signup; get a free night each year too
If you want to optimize some with multiple cards and dont want to do anything other than cash back; a good setup might be:
- 2% Citi Double Cash/WF Active Cash - catch all not in categories below
- 5% Chase Freedom Flex/Discover IT/Citi custom cash - rotating categories or 5% on top spend category
- 6% AMEX Blue Cash Preferred - use for groceries/streaming services, $95 AF
- Costco/Sams club card - if you have a membership to either; these are great for gas (4-5% CB) and both do 3% on restaurants; costco does 3% on travel booked through them
- 3% Cap one Savor - if you dont have costco/sams club membership then this is a good dining CB card
I personally have:
- Cap One Venture; my catch all card for 2x miles
- AMEX Blue Cash; for groceries/streaming services at 6%
- Costco Citi; for 4%/5% on gas, 3% on restaurants, 3% travel through costco, 2% at the store (same as Venture though)
- Chase Freedom; for the occasional category where 5% back works for me
- Target red; Wife has this for her Target stuff at 5%
- Amazon prime; we have this for 5%-7% back at Amazon, sometimes up to 10% back
- IHG Premier; just got this for the 5 free nights at 300k points bonus signup; get a free night each year too
This post was edited on 7/9/25 at 8:17 am
Posted on 7/9/25 at 8:47 am to HeartAttackTiger
If you have 100k with bank of America/Merrill, the relationship multiplier on their basic cash back rewards card is insane.
I get something like 5.25% back on any online purchase.
I get something like 5.25% back on any online purchase.
This post was edited on 7/9/25 at 8:48 am
Posted on 7/9/25 at 11:45 am to SG_Geaux
US Bank has 2% cash back, and up to 4% cash back based on balance of other US Bank accounts. Think its 0-50k is 2.5%, 50-100K, is 3% and over 100k is 4%. US Smartly Visa.
Posted on 7/9/25 at 12:31 pm to AndyJ
They just had a 100k points signup bonus.
also want to throw in that points are worth 25% more in the Chase Travel Portal so that 75K points is worth 100k in travel.
also want to throw in that points are worth 25% more in the Chase Travel Portal so that 75K points is worth 100k in travel.
Posted on 7/9/25 at 12:55 pm to Carson123987
Does the AMEX with 6% cashback on groceries provide a lower cash back for other categories?
Posted on 7/9/25 at 3:36 pm to LSUTigKyl
quote:
Does the AMEX with 6% cashback on groceries provide a lower cash back for other categories?
It's 6% CB on just groceries and streaming services. There's a $6k yearly spend cap on groceries ($500/mo basically).
Posted on 7/9/25 at 3:59 pm to thunderbird1100
quote:3% back on gas and transit (taxis/uber/tolls etc). 1% on everything else
It's 6% CB on just groceries and streaming services. There's a $6k yearly spend cap on groceries ($500/mo basically).
Posted on 7/10/25 at 7:41 am to saderade
quote:
3% back on gas and transit (taxis/uber/tolls etc). 1% on everything else
Yeah but there's better cards out there for gas and such
Sams club does 5% on gas
Costco does 4/5% on gas (5% on gas there, 4% everywhere else, 4% on EV charging as well)
Citi custom cash will give 5% on gas as your top category up to $500/mo
The rotating category cards like Freedom/Freedom Flex and Discover It will give 5% on gas as well in 1 quarter a year
This post was edited on 7/10/25 at 7:45 am
Posted on 7/10/25 at 8:48 am to MandevilleLSUTiger
quote:
over 100k is 4%. US Smartly Visa.
What is the overhead or management fee if there is one?
4% back is great on credit card spending unless you are paying a 1% or more management fee on the 100k or more you invest for the bonus
Posted on 7/10/25 at 8:50 am to 632627
quote:
If you have 100k with bank of America/Merrill, the relationship multiplier on their basic cash back rewards card is insane.
I get something like 5.25% back on any online purchase
Same question RE: Merrill. Do you have to invest in a fund with management expenses to get an elevated percentage back on your credit card?
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