Am I missing anything?

[way2evil]

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@bs6054 wrote:

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@way2evil wrote:
I travel maybe once or twice a year nothing much. Alot of my purchases are gas, amazon, shopping, and general stuff. Nothing like groceries or anything. I really don't want another chase card as I have two already. I like chase and refuse to use citi.

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Fine, but you asked about maximizing rewards.  If you add constraints such "no more than 2 chase cards" and "no citi cards" you aren't going to maximize, especially if Amazon is part of your spending.

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Ony reason I say that is because I dont think Chase will give me any more credit. I already have 15k from them combined, and I absolutely refuse to use Citi. For reference I am 21, 75k a year income. Only other credit is an auto loan.

[way2evil]

Went for the BCE got an instant approval.

[distantarray]

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@withaspark wrote:

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@bs6054 wrote:

For example, you don't have BCP which gives 6% on groceries

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 +1 ...the AMEX BCP is our family workhorse...but for those with no other mouths to feed, one may have to make some non-grocery grocery store purchases to get the benefits of the AF.

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I have a BCP but for the most frugal families majority of people's shopping should be at stores like CostCo and Walmart/Sams club, and Target, for everything else it's REALLY hard to max out even $6,000 a year considering that those stores do not count at 6%.  We spend about $400 a week on groceries in my family, but we only spend maybe $50 a week on local grocery =\

[jsucool76]

@bs6054

The forwards 5% on amazon is pretty close to chase's 3% since TYP arent a 1:1 for cash redemption.

Your lineup looks pretty good, i would throw in a 2% card like the fidelity amex or priceline visa for wherever you don't earn bonus cash back.

[distantarray]

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@chnceit wrote:

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@way2evil wrote:

I am looking to maximize all my rewards. Currently I have

Amex Zync

JP Morgan Select (10k)

Chase Amazon (5k)

GE Amazon (2200)

Discover It(3k)

BOA Cash Rewards (7k)

Missing anything here to maximze rewards?

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Do you travel? I dont really see a travel rewards card like a CSP?

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you realize JP Morgan Select is basically the same card as CSP right?

It's so similiar people said **bleep**? now they're phazing them out into CSP it's the same bank anyways.

[bs6054]

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@jsucool76 wrote:
@bs6054

The forwards 5% on amazon is pretty close to chase's 3% since TYP arent a 1:1 for cash redemption.

Your lineup looks pretty good, i would throw in a 2% card like the fidelity amex or priceline visa for wherever you don't earn bonus cash back.

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They aren't 1:1 unless you choose a category where they are, e.g. mortgage/student loan/$100 gift card/some travel

So, yes, less convenient, but if you do that, 5% is better than 3%.

[distantarray]

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@jsucool76 wrote:
@bs6054

The forwards 5% on amazon is pretty close to chase's 3% since TYP arent a 1:1 for cash redemption.

Your lineup looks pretty good, i would throw in a 2% card like the fidelity amex or priceline visa for wherever you don't earn bonus cash back.

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It depends on the card you have. Samething with Chase Freedom. A Chase Freedom without Ink or Sapphire is just a cash back card, but with another card it becomes a great travel card.

With Citi Premier you actually get 1.33 point / cent value so a 5% would be 6.65% card if you redeem it for travel. 

There's another one I forget I think Preferred which makes it exactly 1 cent value.

Citi is ok but I really love Chase since their UR points transfers to Airlines 1:1 where Citi's value is like cash.