Originally Posted by
bribro
Makes sense. And spreadsheet users can obviously delete the AF value if they want to see how the math shakes out assuming a waived AF.
For what it's worth, the 1st year and multiple year "returns" do factor in waived first year fees, but not necessarily those that get waived as retention bonuses or whatever.
Originally Posted by
bribro
I plugged in my actual spending numbers from Mint.com for the trailing 12 months. I'm not comfortable sharing them on a public forum, but I spend tens of thousands in the categories of dining, hotels, and airfare every year. On the other hand, I spent less than $2k on groceries over the last 12 months (I don't cook much...), which is why the AmEx Everyday cards are of little value to me personally. Even when valuing UR and MR identically (0.02 cpp, a common valuation cited) the CSP+Ink combo prevails in my case.
Yes, great conversation. You're like an MR-inclined version of me haha.
Hah, yeah that's fair, I didn't include my own numbers in this for the same reason. You should copy in your Freedom column. It would be cool to get new info in there.
Also curious if the non-reward benefits are accurate in there. I don't have the actual terms paperwork.