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@Themanwhocan wrote:Well, there are a lot of choices for all-around spending. Somewtimes having multiple Bank of America Better Balance Rewards is best. Or multiple BBR for utility bills, plus a Double Cash for misc spending.
To be fair to bobisnotmyname, for those willing, some combination of 5% card when applicable and gift card elsewhere (purchased with the right card) is hard to beat for cashback, even with a lot of BBR, for those willing to do it.
@longtimelurker wrote:To be fair to bobisnotmyname, for those willing, some combination of 5% card when applicable and gift card elsewhere (purchased with the right card) is hard to beat for cashback, even with a lot of BBR, for those willing to do it.
I'd be inclined to considered it if the gift cards could be easily refilled/purchased without visiting the store and if the balances are easily transferrable (although if you regularly shop at Target, Redbird + gift cards seem like a really attractive solution).
@Anonymous wrote:
@longtimelurker wrote:To be fair to bobisnotmyname, for those willing, some combination of 5% card when applicable and gift card elsewhere (purchased with the right card) is hard to beat for cashback, even with a lot of BBR, for those willing to do it.
I'd be inclined to considered it if the gift cards could be easily refilled/purchased without visiting the store and if the balances are easily transferrable (although if you regularly shop at Target, Redbird + gift cards seem like a really attractive solution).
problem there redbird is really limited to an few states, the two closes to me is western PA and Mass which are both at least 2-3 hour drive :-(
I think I'm going to go for the Sallie Mae. I'm going to be in cheapskate mode for a while. Most of my spending should go towards gas and groceries. I don't have dependents so it's just me.
I'm trying to sell clothes and games. I need to stop buying junk I don't really need.
@Anonymous wrote:I think I'm going to go for the Sallie Mae. I'm going to be in cheapskate mode for a while. Most of my spending should go towards gas and groceries. I don't have dependents so it's just me.
I'm trying to sell clothes and games. I need to stop buying junk I don't really need.
It's a nice card(s). Depending on your spending, two are better than one.
Also, I wonder if anyone has a similar plan or better than what I have found to be useful. I use the SM groceries reward at Kroger, then get Kroger points for spending on groceries, then use the Kroger gas station for the SM bonus, plus normally, 10 cents off per gallon from the Kroger points. Nice
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
@dabo1502 wrote:
All, I'm in Houston, TX; which CB does Sally Mae pull?
Give ya a clue.
Starts with a T.
Ends with a N.
I recently applied for and got approved for the Sallie Mae card. It will be my go to gas/grocery card for now till I reach the spend limits. I don't always have a high grocery bill because I live by myself and eat out a lot and my gas bill is right around the 250 level each month.
For purely groceries, the Amex Blue cash preferred is generally best if you have a high enough spend level to overcome the annual fee. For high gas users the Pen Fed Visa or the Fort Knox Credit Union Visa Platinum card as they both have 5% cash back for gas spends.
Arguably the Chase Freedom is the best gas card for people with CSP or access to Chase Ultimate rewards during the months when the Freedom card gives 5% cash back for gas. But this only makes sense for people who have a qualifying chase ultimate rewards card.
As others have stated, there is not a one size fit all solution. I plan on using my Sallie Mae card for groceries and gas for now, but I might change that in the future.