topic Re: Post your favorite rewards Card/Combo/Program! in Credit Cards

Post your favorite rewards Card/Combo/Program!

Anonymous — Sat, 19 Mar 2016 19:36:44 GMT

I have to say I am really enjoying the Chase Sapphire Preferred/Freedom combo. I have some new cards (AU and own cards) that I am working on bonuses for right now, so the Chase combo is on the backburner for the time being. That said, I really, really like this combo. What are your favorite cards and/or rewards programs? Post below!

Re: Post your favorite rewards Card/Combo/Program!

Chris679 — Sun, 20 Mar 2016 00:08:02 GMT

Citi Forward 5% dining/Amazon

Barclays Sallie Mae 5% gas/groceries

Citi Double Cash 2% everything else

Re: Post your favorite rewards Card/Combo/Program!

myjourney — Sun, 20 Mar 2016 00:11:38 GMT

CSP-INK

Re: Post your favorite rewards Card/Combo/Program!

Open123 — Sun, 20 Mar 2016 00:18:38 GMT

There are two I really like. Ink Plus/Ink Cash/Freedom and Bus Plat/Bus Blue/EDP. I'd be torn if I had to choose one, but thankfully I can have both!

For some, the Prestige/TY Premier or Preferred may be a good choice, especially when combined with Citi Gold.

Re: Post your favorite rewards Card/Combo/Program!

Anonymous — Sun, 20 Mar 2016 00:18:47 GMT

I want an ink so bad but I don't have a business.
The Cap/F/FU combo to me, is the absolute king and nothing will ever come close In my opinion.....though I don't have a freedom/FU, I do have dreams of owning them. Literal dreams. Like I'm happiest when I'm sleeping. ......

In all seriousness I can't wait to have them in 12 months.

Re: Post your favorite rewards Card/Combo/Program!

Anonymous — Sun, 20 Mar 2016 00:25:07 GMT

IHG in general, and especially with the Chase MC.

Pros:

Chase's free night anywhere is great.

There are slightly unconventional ways to earn oodles of points without spending a ton of money (mailed entries for Priceless Surprises, 30k bonus point rates, cash+points rates, etc).

Lots of properties.

Good free breakfast at Holiday Inns.

Cons:

It's hard to get a spectacular cpp value.

An "upgrade" usually just means a room on a higher floor (which can still be nice). The benefits don't extend to IC properties.

The conventional earn rate on the Chase card is pretty mediocre.

"Free breakfast" at some higher-end properties can be unimpressive.

Re: Post your favorite rewards Card/Combo/Program!

happypill — Sun, 20 Mar 2016 01:59:36 GMT

My favorite is Sallie Mae + SSFCU Power Travel rewards.

My biggest spend categories are, more or less in order, travel, Amazon, dining, gas, groceries. These two cards cover all of my biggest spend areas at 5% or 3.3%. I'm also not big on collecting points, so these are perfect for me.

Re: Post your favorite rewards Card/Combo/Program!

red259 — Sun, 20 Mar 2016 07:50:25 GMT

My favorite combo is the freedom/CS (non-af)/Ink combo. I get the 5x categories on the freedom, the 2x on restaurants on the CS and the5x on phones/office supplies/cable/internet with the ink.

Re: Post your favorite rewards Card/Combo/Program!

lg8302ch — Sun, 20 Mar 2016 07:56:23 GMT

I am also for UR points with CSP - Freedom as favorite followed by SPG

Re: Post your favorite rewards Card/Combo/Program!

OroroMunroe — Sun, 20 Mar 2016 08:41:28 GMT

Amex ED is my go to card. I always exceed the 20. I'm saving my points for something special. Not sure what that special thing is, but it's fun to think of the prospects.

Re: Post your favorite rewards Card/Combo/Program!

redpat — Sun, 20 Mar 2016 09:35:47 GMT

For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.

Re: Post your favorite rewards Card/Combo/Program!

driftless — Sun, 20 Mar 2016 10:12:07 GMT

CSP - Freedom

Re: Post your favorite rewards Card/Combo/Program!

Anonymous — Sun, 20 Mar 2016 10:21:50 GMT

Right now I'm really only using my Discover for gas (5%) and my SPG Card. Once I get my Blue Cash Preferred I'll start raking in the REAL money! We spend a lot in groceries a year and I have a 50 minute commute to work. I can't wait to obtain that card. Combine that with my SPG and I'll be set!

Re: Post your favorite rewards Card/Combo/Program!

Anonymous — Sun, 20 Mar 2016 12:04:43 GMT

Amex BCP - Groceries - 6%

Chase AARP - Gas/Restaurants - 3%

Citi Double Cash - Everything else! - 2%

Re: Post your favorite rewards Card/Combo/Program!

ScoreOrBeScored — Sun, 20 Mar 2016 13:52:55 GMT

Citi Prestige + Citi Premier = Winning

Re: Post your favorite rewards Card/Combo/Program!

Open123 — Sun, 20 Mar 2016 14:12:39 GMT

@redpat wrote:
For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.

Right, and for the person who values UR points at 1.5 - 2 cpp, it's essentially an 8% equivalent cashback card for general spending.

Re: Post your favorite rewards Card/Combo/Program!

redpat — Sun, 20 Mar 2016 14:34:23 GMT

@Open123 wrote:
@redpat wrote:
For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.
Right, and for the person who values UR points at 1.5 - 2 cpp, it's essentially an 8% equivalent cashback card for general spending.

Absolutely, I may never have to pay for a Hotel for personal trips again, lol!

Re: Post your favorite rewards Card/Combo/Program!

Anonymous — Sun, 20 Mar 2016 14:39:34 GMT

@Open123 wrote:
@redpat wrote:
For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.
Right, and for the person who values UR points at 1.5 - 2 cpp, it's essentially an 8% equivalent cashback card for general spending.

Don't understand that! For the 5x UR spending yes, but isn't general spend going to be at 1.5 UR( FU) for 2.25-3%

Re: Post your favorite rewards Card/Combo/Program!

redpat — Sun, 20 Mar 2016 14:52:39 GMT

@Anonymous wrote:
@Open123 wrote:
@redpat wrote:
For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.
Right, and for the person who values UR points at 1.5 - 2 cpp, it's essentially an 8% equivalent cashback card for general spending.
Don't understand that! For the 5x UR spending yes, but isn't general spend going to be at 1.5 UR( FU) for 2.25-3%

It is, but I use Ink for all business expenses even if it is 1, 2 or 5 points because it's my company card. CSP just for business airfare and get reimbursed. They will kill me if I try a third card for an extra .50 point. All my points are from non-personal spend anyway.

Re: Post your favorite rewards Card/Combo/Program!

Open123 — Sun, 20 Mar 2016 15:04:22 GMT

@Anonymous wrote:
@Open123 wrote:
@redpat wrote:
For business CSP/Ink+ personal all EDP and CSP if Amex isn't taken.

5x has been unbelievable on how quickly ur points add up.

MR's also accumulate with 4.5,3 and 1.50

Sad to see Venture and Dicover in my dresser when I get my socks.
Right, and for the person who values UR points at 1.5 - 2 cpp, it's essentially an 8% equivalent cashback card for general spending.
Don't understand that! For the 5x UR spending yes, but isn't general spend going to be at 1.5 UR( FU) for 2.25-3%

Ah, not that I'm advocating this, but purchase a $500 GC from an Office store. So, if assuming a 2 cp on each UR (10% cash equivalent) less then 6.95 activation fee, leaves 8%. Of course, if one is lucky enough to find $1,000 Visa GCs, the return goes up to around 9%.

However, I only resort to this when I prefer using a Visa when some Merchants refuse to accept Visa as a form of payment. Generally, I discourage MS of any kind, but his is not MS, but out of...er...necessity.

*Edited* Case in Point - Since I'm partial to Chase and Visa, during all those years when Costco refused to accept Visa, I bought $500 or $1,000 Amex GCs at Office Stores because I wanted these expenses itemized on my Chase Ink Business card.