Originally Posted by
tonyflyer
This comes to play when you have BC and another card that gives >1x, in this case, I'd use the card that gives >1x for CVS and put other 1x spend on BC until $6500 is reached then start it on CVS. This is to maximize overall return, regardless what you buy at CVS.
That only sounds good in theory if you actually have true $6.5K to spend that month so that you can start cashing in on VRs at 5%. For me, I was able to scratch up about $3-3.5K in spending without having to sacrifice part of my first month's VRs to meet the $6.5K. If you wait for true spending to hit $6.5K, you will not get there quickly. What you described is ideal but probably not practical for most cases especially if you want to get started on buying VRs at CVS.