Cost per Point
Chase Freedom – If you haven’t maxed out Chase Freedom for this quarter, 5X at drugstores, do this option first. $3.95(Vanilla Reload fee)/2,520(@5X) = 0.16 cents per point.
American Express SPG Business Card – $3.95/504(@1X) = 0.78 cents per SPG point.
Chase Ink – No Category Bonuses = $3.95/504(@1X) = 0.78 cents per UR point.
Chase Sapphire Preferred- No category bonuses, but 7% dividend each year = $3.95/539(@1.07X) = 0.73 cents per UR point.
Credit Card needed minimum spend requirement.
Barclay’s Arrival World MasterCard = $503.95*2.2% travel cash back – $3.95 = $7.14 profit.
Hilton AMEX Credit Card – $3.95/3,024 = 0.13 cents per Hilton HHonors point.
I made this quick summary yesterday. I would use SPG card for Vanilla Reload or Barclays Arrival World Mastercard for 2.2% cashback.