LONGTERM Card Hold & Spend Strategy Shared
#1
Original Poster
Join Date: Oct 2014
Posts: 24
LONGTERM Card Hold & Spend Strategy Shared
Took some thinking, but I think this is where I am at as far as what I will hold and how to spread out the spend. If this helps anyone, great! If anyone sees opportunities/better cards I have overlooked, great! Feel free to comment, thanks :-)
Holding
CSR - $450 ($150-AF after travel credits)
AMEX Platinum - $550 ($50-AF after Saks credit, Airline credit, Uber credit)
Chase Ink Preferred - $95-AF
Chase Southwest Priority - $149 ($74-AF after SW credit)
Chase Southwest Premier Business - $99-AF
Discover - $0-AF
Costco Citi Visa - $0-AF (with COSTCO membership)
Amazon Prime Visa - $0-AF
Spending
ALL GAS - Costco CITI Card 6% Cashback w/executive
ALL COSTCO - Costco Citi Card 4% Cashback w/executive
ALL Dining - CSR - 3 pts/$1
ALL Rental Car - CSR - 3pts/$1 & goes towards travel credit
ALL Cable/Cell Phone - INK PREFERRED - 3pts/$1 AND provides full insurance on ALL phones on plan!
ALL AIRFARE (non reward) - AMEX Platinum - 5pts/$1
Other Grocery Stores: AMEX Blue Cash Every day? 3% cashback
Amazon Prime Visa - $0-AF for 5% at Amazon & Whole Foods
thanks!
Holding
CSR - $450 ($150-AF after travel credits)
AMEX Platinum - $550 ($50-AF after Saks credit, Airline credit, Uber credit)
Chase Ink Preferred - $95-AF
Chase Southwest Priority - $149 ($74-AF after SW credit)
Chase Southwest Premier Business - $99-AF
Discover - $0-AF
Costco Citi Visa - $0-AF (with COSTCO membership)
Amazon Prime Visa - $0-AF
Spending
ALL GAS - Costco CITI Card 6% Cashback w/executive
ALL COSTCO - Costco Citi Card 4% Cashback w/executive
ALL Dining - CSR - 3 pts/$1
ALL Rental Car - CSR - 3pts/$1 & goes towards travel credit
ALL Cable/Cell Phone - INK PREFERRED - 3pts/$1 AND provides full insurance on ALL phones on plan!
ALL AIRFARE (non reward) - AMEX Platinum - 5pts/$1
Other Grocery Stores: AMEX Blue Cash Every day? 3% cashback
Amazon Prime Visa - $0-AF for 5% at Amazon & Whole Foods
thanks!
Last edited by cueball73; Sep 24, 2018 at 12:54 pm Reason: amazon prime visa!
#2
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
You may want to consider the new Amex PRG for other U.S. grocery spend and dining (4X MR). Or toss in an Amex Blue Business Plus or Chase Freedom Unlimited (2X MR or 1.5X UR, respectively) for all other spend in general.
#4
Original Poster
Join Date: Oct 2014
Posts: 24
I don't see the AMEX PRG as 4x MR points... you have a link?
#6
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
#7
Original Poster
Join Date: Oct 2014
Posts: 24
#8
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
That is true. I think one could make the argument, however, that your CIP + new PRG makes the CSR expendable. You'd remove a $450 annual fee (net $150) and gain a $195 fee (net $95).
#9
Join Date: Dec 2007
Posts: 118
I think the BofA family is great if you can hold $100k there. I just have a bunch of retirement funds sitting in index funds in a free commission account there anyway.
BofA Cash Rewards gets 3.5% cash back on Costco, Groceries. 5.25% on Gas giving you 5.5% with the executive 2% kickback.
US Bank Altitude Card - Costco now has Apple Pay, so 4.5% + 2% executive if you have travel expenses to rebate
BofA Premium Rewards gets 2.625% on everything, which is what I use for most other things.
BofA Cash Rewards gets 3.5% cash back on Costco, Groceries. 5.25% on Gas giving you 5.5% with the executive 2% kickback.
US Bank Altitude Card - Costco now has Apple Pay, so 4.5% + 2% executive if you have travel expenses to rebate
BofA Premium Rewards gets 2.625% on everything, which is what I use for most other things.