Originally Posted by
jediwho
And Amex EDP is 4.5x on groceries (up to $6,000 a year) and 3x on gas.
And until the end of this month Chase Freedom is 5x on groceries.
So if you also have Chase Freedom (which typically does 5x on groceries one quarter each year), that only leaves the other 9 months for EDP. Which means you have to evaluate whether it's worth the annual for the extra points on groceries for 9 months.
Or you do multiple card signups each year and have to devote all spend to signup bonus minimum spend for a few months, that may leave even fewer months in the year when it makes sense to use EDP for groceries. (Signup bonus minimum spend is typically 20x, 30x, 40x, stuff like that, and thus trumps any "normal" multiplier bonus.)
Finally, it's only 4.5x if you do "30" every billing cycle, right? That can be a little tricky if you're trying to use the card only for groceries and don't have a "natural" reason to go to the grocery store every single day on average. So IMHO it's quite different than a "simple" 5x which requires nothing beyond registering for a promo and remembering which card to use which quarter for what. (But then there are other people on FT who find rotating promos too confusing. So everyone's different.)