Wasting the annual fee? You can hold the card over at least two calendar years. Airline credit $200X2 is $400, cell phone credit $10X13 months is $130, Dell credit (used for printer ink for my office) to me is worth $180X at least 3 semiannual credits is $540. This alone is $1070 (even $530 without the Dell credits), and if you have a business like I do and use the Indeed credits it can be even more.

Yes this is a hassle and extreme coupon clipping especially when you’re juggling multiple biz plat cards, I’ve actually chosen the biz gold over the plat to avoid having to play this game. But it’s a piece of cake with “only” two biz plat cards. Fourth one not as much fun.