Credit Card Center Advertiser Disclosure

New Contributor
Posts: 58
Registered: ‎04-15-2012
0 Kudos

Re: What's Your Strategy? (Points Game)

[ Edited ]

Cdnewmanpac wrote:

Again, I know I could be more efficient/focused, but this is what I do and it earns more than 1% while giving me some convenience features and not requiring a spreadsheet to execute a candy purchase.

...Note: I don't have an Ink Bold or Ink Plus because I don't quite feel comfortable getting a business card and putting personal spend on it. I feel like it would be dishonest and might lead to trouble down the road...

I have seven spreadsheets: which one is used depends on where I buy the candy bar. I have separate sheets for chewing gum, crisps, tobacco, and alcohol, etc. etc. ad infinitum. I actually do carry a little shrunk-down laminated card in my wallet, CC-size, with all of my rewards tiers listed on it for all my CCs (which has been largely rendered obsolete by the app Wallaby for Android). I still have to memorize minimum spends and comparative values of points, though.

That still is pretty focused, probably as much as, if not more than me (since I shop almost exclusively through Amazon, which is a matter of convenience, trust, customer service, and ease of accounting, reducing risk of identity theft, etc. since it is a one-stop shop for virtually everything - I even bought my air conditioner and refrigerator on Amazon - I do not take proper advantage of shopping portals such as the UR Mall or ShopDiscover [Note, that as of a few days ago, the Membership Rewards mall was discontinued]).

Your return is hampered only by not staying at Starwood properties, pretty much (I don't think Hilton points are worth as much even as Sky Miles after the devaluation), and by a universal restriction - not being able to buy UR points, which leaves you having to earn to top off a redemption, even if it's only 1000 points away (~$625 in averaged spend, compared to $10-25 buying the top-off straight-up). If I could buy UR points like I can buy MR, SPG, and every miles program points in existence to top off a redemption, UR would be my one-stop shop and the truly "Ultimate" rewards program.

Lastly, I'm a consultant (actually a cleric, but I do consulting) so virtually everything is a business expense. Even for a cleric, everything is a business expense - wine for the Eucharist, a car to take it to the sick, vestments, petrol for the car, food and drink for the priest so he can confect the Eucharist, etc. (Yes, a secular [parish] priest does have to buy the wine and azymes used for the Eucharist out of his own pocket, as does he have to buy and maintain his own vestments. A monk has his robes paid for by the order.) There's a good example of the use of "priestly logic" in classifying business expenses - I can't conduct business without living expenses paid, after all!

Priestly logic: n., sophistry. When wielded by a good priest, such as myself, it is a blinding display of gleaming rhetorical prestidigitation, with excogitations whirling forth from the mind like a thousand samurai swords wielded by Shaolin monks; when wielded by a bad priest, it's the "It's a mystery, my child. God moves in mysterious ways. The Trinity is beyond human comprehension." In the hands of a skilled practitioner, can be used to make young-earth creationism seem like the only tenable position, even to the user, amongst other things.

Goal: 760 by End of Year
Current Score: 714 TU (2-3/12); 681 EQ (2-3/12); 714 EX (AmEx Pull: 2-7/12); 777 VantageScore (2-3/12)
AmEx BCE ($4k) - AmEx SPG ($7.5k) - Amex PRG (NPSL) - Citi Forward ($7.6k) - Discover IT ($3k) - BankAmericard Cash Rewards ($5k)
Chase Freedom ($1k) - Chase Amazon ($3k) - PayPal Extras ($6k) - Cap One Cash ($0.5k) - Amazon Store ($2.5k)

Application-Free Since the 14th of the Second May of 2012.
Regular Contributor
Posts: 219
Registered: ‎02-27-2013
0 Kudos

Re: What's Your Strategy? (Points Game)

great info.... i will have to start thinking of stuff like this...


thanks for the app info.. i was unaware

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.