@Anonymous wrote:
Decided to start this thread so we can maximize our rewards for the current quarter.
Here is my reward breakdown for July - September 2015.
10% - Home Improvement, Department Stores & Amazon [Discover it 5%x2]
6% - Grocery Stores [Amex BCP]
5% - Gas Station & Kohls [Chase Freedom]
2% - Everything Else [Cap One Venture]
Wishlist: 5% - Cell Phone Bill & Electronics Stores [U.S. Bank Cash+]
How is your reward strategy structured for this 3rd quarter?
A small thing I notice in your strategy is why would you be using the Freedom for Kohls when Discover's is doubling that?
I'm mostly using my Double Cash and Discover. Cash+ is for fast food/restaurants. I have my other 5% on department stores because dumb old me forgot it was part of Discover right now. Regardless, I rarely shop at them unless it's the holidays, so it's not that big of a deal, I just didn't know what else to pick.
So Double Cash for my general spend, Discover for categories, Cash+ for food. I could "maximize" and use BCE for groceries at an extra 1%, but it's just not worth it at this point. I'm consolidating spend onto a few cards. Most of my groceries are from BJ's/Target anyway where I do not use my BCE.
