This is a real bummer. Most of our uncat spend is covered by $1500 a month, but it's going to be annoying to track every month. 1% after that is garbage. I will continue to accumulate 5% cards and even duplicates to mitigate this.
@Bockrocker wrote:
@xenon3030 wrote:The BOA UR card is possibly among the best replacement cards (1.5% x 1.75x due to Plat honor --> 2.6%). There is no cap.
In a thread where people are arguing the opportunity cost of keeping 1k at Alliant to earn 2.5%, I feel like keeping 100k somewhere to earn 2.62% is a non starter (even if you can invest it how you like).
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Citi DC (which I used to have but changed to CC) offers unlimited 2% (also a MC). If willing to apply for the Rewards+ card as well this is bumped to 2.2% for up to 50k yearly spend (I think my math is right on that). If willing to add the Affinity checking account on top you can bump it to 3.2% for the first $1k spend per month. If you have other citi cards or already max out Affinity on something this setup loses some charm, and @$100 max value per year I think the Rewards+ card is a bit of a waste.
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Not exactly @Bockrocker . First, it's 2.22(22222...)% because every time you redeem your points, there is a 10% boost. So you spend $100 and earn $2. You redeem that $2 and you get 20c. You redeem that 20c and you get 2c. And so on. 
But, it isn't really $50,000 spend per year, it is the first 100,000 TYPs earned/redeemed per year (combined amongst your linked citi cards). Which, yes, equals an extra $100/yr at the end of the day (which I won't say no to ). But the 100,000 points can be reached in any number of ways. The 2% (2.22% 
) earned on the DC. The TYPs earned on your linked R+ (including the 10 point roundup on small purchases). The 5% (5.55% ) earned with a linked CC. The 10% boost TYPs when redeeming your TYPs. You get the idea.
@Bockrocker wrote:SoFi card offers unlimited 2.2% and no FTF, although it is a MC (I'd prefer Visa). Only hoop is a direct deposit, but the $1 I divert from my paycheck works to trigger SoFi Plus.
There are plenty of negative comments on SoFi CC and the way that SoFi handles credit cards. So, I pass it. Anyway, SoFi has great checking/saving and I am keeping my emergency funds in the saving account. Its checking provides free checks.
Fico8: EX~EQ~TU~840 (12 month goal~850).
Good point this. Merrill's money market options are comparable to Vanguard/Fido/Schwab, so parking 100k there is not as big of an opportunity cost versus savings accounts, especially if you use fully/partially tax exempt funds like TTTXX and MCSXX. Yes MMFs will follow the Fed down, but so will savings accounts (and anything else that is short duration fixed income.)
Getting to 100k is hard, but for those already in the BofA ecosystem, the Preferred Rewards program makes sense. Been around since at least 2014 and no known nerfs so far.
RIP AOD 3% - thought it would last longer since they closed the bike club backdoor, but 3% uncapped is just too painful. Yet another CU FOTM bites the dust. Better get your Redstone apps in...
@Bubblewhale wrote:Pretty much all of my cash/emergency fund is under TTTXX with Merrill Edge CMA. Sell before 11:45AM PST trading day and can access the money instantly with Merrill/BoA.
Currently TTTXX money market fund is sitting at 5.18% 7 day yield. It mostly deals with Treasuries so it's more state-tax exempt compared to like SPAXX. But keep in mind once the fed drops rates, this also drops.
It's nice having this option while making my way towards Platinum Honors while counting my IRAs. One of the best options to get towards highest flat cashback 2.625%. With the BoA PR, it can be a "free $5 per year card" depending how you use your travel credits.
