Originally Posted by
Caspavio
....if OP spends around $500 a month on groceries
I think the suggestion is to buy VISA/MasterCard gift cards at a supermarket, use PYB to offset the charges. The Supermarket category is only valid until 9.30.2025, but could be renewed. There is the hassle of buying ~$12,500 worth of gift cards in 45 days, and then there are the headaches which often arise when using those gift cards.
Does Sapphire Preferred have the same PYB categories/ratios? If not, there Is also the expense of upgrading from Preferred to Reserve.