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thegreatboudini
USA Fan
Member since Oct 2008
5217 posts

re: Best CC for personal use/rewards
I still use my Amex gold. For groceries, fuel, restaurants (these 3 are the bulk of my spending), and the occasional plane ticket it does well. We use the points for gift cards ($0.01 per point if you shop hard enough) and hotels a couple times a year.

The other small perks like Uber $10/month and Grubhub $10/month just sweeten the pot a bit.
This post was edited on 1/11 at 7:13 am


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seawolf06
LSU Fan
Raleigh, NC
Member since Oct 2007
8002 posts

re: Best CC for personal use/rewards
quote:

A lot of downvotes but no explanations as to why I’m off base. Please educate me.



Most rewards cards offer 1% cash back on everything, but also include additional offers on specific categories like travel, dining, etc.


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thunderbird1100
LSU Fan
GSU Eagles fan
Member since Oct 2007
63181 posts
 Online 

re: Best CC for personal use/rewards
My plays are this:

($0 fee) Costco Citi Visa - 4% back on gas, 3% on restaurants and travel through costco, 2% at costco

($95 fee) AMEX Blue Cash Preferred - 6% back on groceries, 6% back on streaming services...so breakeven on this $1,583.33/yr on groceries/streaming services to get the fee back after first year

($95 fee) Cap One Venture - 2x miles on every purchase...breakeven here is $4,750/yr to get fee back after first year if all you do is reimburse yourself the miles; we want to upgrade this to Venture X in future

($0 fee) Chase Freedom - 5% back on rotating categories...we use this when the categories are things like gas (5% vs. 4% with costco visa), home depot, etc...very rarely gets used now

Basically we put gas, restaurants and costco purchases on the costco card, groceries and streaming services on the AMEX and then everything else on the Venture except when sometimes we get a beneficial 5% category on Freedom.

I've also booked a few vacations through costco and it's nice getting 3% there on the costco card plus costco cash cards. We just took a trip to mexico we booked the all inclusive through costco and got a $103 costco cash card for it. Between the 3% back and the cash card it was effectively like 10% back.

Edit - totally forgot to mention I have the Amazon Prima Visa for 5% back at Amazon...probably forgot because its essentially only used virtually. Wife also has Target Red card for 5% there. Those are our only "store" cards if you will.
This post was edited on 1/11 at 3:29 pm


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turkish
Member since Aug 2016
659 posts

re: Best CC for personal use/rewards
Thanks, the quantitative evidence of that is what I’m trying to sort out. Do you get more than 2% back, overall? One poster mentioned that the travel benefits work out to about 1%, which was my point.

To contribute, Fidelity does a straight 2% back. Cash goes to your Fidelity account but can be freely xferred out.


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Twenty 49
LSU Fan
Shreveport
Member since Jun 2014
15563 posts

re: Best CC for personal use/rewards
If you have checking with Capital One, a benefit of their cards is the ease to set up autopay. My card balances are automatically paid in full on the due dates.


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TheBoo
USA Fan
South to Louisiana
Member since Aug 2012
3536 posts

re: Best CC for personal use/rewards
Here's the chart I created with my actual spending totals removed. It shows the math I used to get to my net return. Granted this is for cash back only, not miles or hotel points.


This post was edited on 1/11 at 2:22 pm


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ODP
Baylor Fan
Conroe
Member since Oct 2015
1552 posts

re: Best CC for personal use/rewards
Hard to beat the fidelity, 2% on everything right into a mutual fund of your choosing. I’ve had mine for 4-5 yrs now avg 4-6k a month, now that mutual fund has generates a decent return.


mikesores
Member since Oct 2021
2 posts

re: Best CC for personal use/rewards
The business analyst will translate the vision of the customer into technical specifications. The business analyst will document https://mlsdev.com/blog/how-to-make-a-messaging-app all the requirements of the web app, including the features and functionality that are required. They will also document the requirements for the different components of the product, such as the buttons that should perform specific actions. They will also work with the developers to design the application. In the end, your team will have the best possible solution for your business needs. And with the help of the right team, your project will be a success.
This post was edited on 1/20 at 5:38 am


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