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Hi sorry I am in a rush and don't have time to flesh through the posts.
I'm helping my friend.
He is a courier and spends about 1k a mo on gas he says using only a debit card
He also told me yearly he spends 30k on gas/food/groceries.
I know that SM is too small for these purchase amounts and he wont want revolving bonuses like CHASE Freedom.
Whats the next best all in 1 please
TY - Sorry again ... I don't have much time today.
@Anonymous wrote:Hi sorry I am in a rush and don't have time to flesh through the posts.
I'm helping my friend.
He is a courier and spends about 1k a mo on gas he says using only a debit card
He also told me yearly he spends 30k on gas/food/groceries.
I know that SM is too small for these purchase amounts.
Whats the next best all in 1 please
TY - Sorry again ... I don't have much time today.
@Anonymous wrote:Hi sorry I am in a rush and don't have time to flesh through the posts.
I'm helping my friend.
He is a courier and spends about 1k a mo on gas he says using only a debit card
He also told me yearly he spends 30k on gas/food/groceries.
I know that SM is too small for these purchase amounts.
Whats the next best all in 1 please
TY - Sorry again ... I don't have much time today.
Chase/Discover if you hit the right quarter earning, Amex works too. cant go wrong with SM tho
Amex Blue Cash Preferred is great. 6% Cash Back on groceries (up to $6k), 3% Cash Back Gas (unlimited), 1% everything else. $75 AF.
Chase/Discover are only 5% certain quarters of the year. Sounds like he needs a year round beast! Lol
I would try to stack Sallie Mae cards like some members in this forum and have a BCP once those categories are maxed.
I'd defer this to the excellent chart shown here:
For detailed analysis, you'd need that "$30k/year on gas/food/groceries" to be broken down between each of the three, then maybe a more exact response can be reached; Otherwise, as a best-guess, I'd say some sort of combination between BCE and BCP and/or SallieMae might be able to maximize OP's friend's earnings.
Also helpful to reference, for consideration of just (high) gas expenses alone:
http://ficoforums.myfico.com/t5/Credit-Cards/BEST-CASH-BACK-ANNUAL-FREE-CARDS/m-p/3412903#M946002
@xerostatus wrote:I'd defer this to the excellent chart shown here:
For detailed analysis, you'd need that "$30k/year on gas/food/groceries" to be broken down between each of the three, then maybe a more exact response can be reached; Otherwise, as a best-guess, I'd say some sort of combination between BCE and BCP and/or SallieMae might be able to maximize OP's friend's earnings.
Also helpful to reference, for consideration of just (high) gas expenses alone:
http://ficoforums.myfico.com/t5/Credit-Cards/BEST-CASH-BACK-ANNUAL-FREE-CARDS/m-p/3412903#M946002
RIght, need to know the breakdown. If the $30K was all or mainly gas and groceries, then the Amex OBC is probably the best, 1% on the first $6,500 then 5% on the rest.
But that doesn't cover dining (unless that is at places you can use gift cards bought at groceries and drugstores)
1k a month in gas= 12000 a year.
30k-12k would leave about 18k.
I'm going about 1/2 is groceries
but alot is food/snacks at gas stations/truck stops?
Whats amex OBC? Thats a new one for me.
@Anonymous wrote:Whats amex OBC? Thats a new one for me.
Hehe, OBC stands for Old Blue Cash. It's the discontinued version of the Amex Blue Cash. You can still apply for it and after the first $6500 in purchases you get 5% on groceries, gas and drugstores.
@Anonymous wrote:Whats amex OBC? Thats a new one for me.
American Express Old Blue Cash. If you already have an Amex card, you have to use private browsing/incognito, but go to the Blue Cash Everyday and there is a link saying something "Looking for an earlier version of...."
OBC gives 5% on gas, groceries and drugstores after an initial spend of $6.5K a year (where it gives 1% on those and 0.5% on anything else). Due to over-usage/abuse, they recently imposed a cap of $50K per year 5% spending