Originally Posted by Boraxo

Interesting - I guess we now know the target audience.

Here's the problem for me, this is a snapshot of what I have to track this month (plus soon Resy as well?!):

Monthly Dining Credits - July 2024

• B- $12 Doordash (JPM) - ✅
• P2- $15 Doordash -
• P2- $15 Ubereats w/ AmexPlat -
• B - $15 Ubereats w/AmexPlat - ✅
• P2 - $25 Dining w/AmexBonvoy - ✅
• B - $25 Dining w/AmexBonvoy - ✅
• P2 - $10 Grubhub/CF - ✅
• B-$15 Instacart (JPM) -
• B-$10/qtr Instacart (Freedom) -

This is problematic as P2 does not worry about monthly credit usage, in fact it is difficult just to get her to use the right card for bonus and non-bonus spend.

And of course this simply covers dining, and not the many other "coupons" such as Saks, Clear, etc. not to mention all the annual free hotel nights and credits etc. - again for multiple persons.

Compare to my JPMR aka CSR card, where I am one-and-done in January with the annual $300 travel credit. Even the Chase WN EBCI and BS credits are easier to use.

It will be an easy call to cancel the $650 AF Bonvoy Brilliant cards if we do not get stellar use from those 85k certs, which would greatly simplify my life LOL.