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I'm currenlty using my Amex Gold as my daily user, to be honest, I am new to Credit Rewards Programs, and I've heard Amex is always a good one to use. However, since Walmart isn't considered a Supermarket, that is a big issue for me, since my only two options in my town is a Walmart and Krogers, and Krogers tends to be a little bit more pricey compared to Walmart, therefore, no savings.
So my biggest categories would be:
Walmart
Gas
MISC
Utilities
I am a Sams Club member also, but I see that Sams Club does not count as a Supermarket either.
My ultimate goal is to be able to use a daily card that allows me to use the points/cash back for a vacation every year. Been working on improving my credit scores, hopefully will be hitting 700 within the next 2 months.
Sam's Club, Costco, and BJ's will all code as warehouse clubs. The Sam's Club MasterCard could be a good fit for that and gas but I am not sure if you can apply directly for that particular one or if they just decide between issuing store card or MC based on creditworthiness. Unless your Walmart purchases were made online, a Walmart card would be no better than a standard 2% cash back card for you. I would probably lean toward the latter unless you were willing to do some legwork to find good miles redemptions from partner airlines (domestic ones also offer cruise packages), in which case pairing an Amex EveryDay with your Gold could be a decent option. A large signup bonus for an airline card could go a lot further than everyday rewards earnings - if Delta serves your airport or one close enough to not be too inconvenient, a large Welcome Offer from the Gold or Platinum (latter makes sense if you fly at least once a year domestically with a companion) SkyMiles card can easily turn into a vacation or two.
I've decided to switch over to Kroger's to ensure that I earn 4x for all of my groceries, and even thinking of buying 1 $200 Kroger Gift card a month for Kroger Gas?
Would that create issues if I only did it once a month? Suggestions? Is that even allowed?
@GoHooterGo wrote:I've decided to switch over to Kroger's to ensure that I earn 4x for all of my groceries, and even thinking of buying 1 $200 Kroger Gift card a month for Kroger Gas?
Would that create issues if I only did it once a month? Suggestions? Is that even allowed?
Just make sure that this is actually saving money, i.e. is Kroger with 4x rewards cheaper than Walmart with say 2% (generic 2% card).
If something is say $1 at Kroger assuming 4x is worth 4c that's an after-reward price of 96c. If Walmart is less than 98c, you will be ahead buying there.
Gift card should be OK providing say $200 isn't way out of line with your grocery bill. If it is, buy smaller amounts (say $50) once a week
Do you have one of the Elan MCPs? Somewhat random, but the Grocery category for the MCP specifically DOES include Target and Walmart on that card (only 2%, but good if you don't have a 2% flat rate card yet). That would also give you 5% on your utilities as a selected category.
I know it's not a points card, but I felt it worth mentioning since you quoted your highest spend categories.
Also, I recently got an email from Elan that my unaffiliated MCP card with them now also has "Earn 5% Cash Back on prepaid hotels and car rentals booked directly in the Rewards Center." Not terrible for travel.





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@GoHooterGo wrote:I've decided to switch over to Kroger's to ensure that I earn 4x for all of my groceries, and even thinking of buying 1 $200 Kroger Gift card a month for Kroger Gas?
Are you sure this pencils? You're only gaining 2% if you have a 2% card to use at Walmart. This doesn't leave much room for price differences.
We have a somewhat similar issue. We have a large family and therefore spend quite a bit on groceries, but virtually all of it is purchased at places like Walmart or discount stores. A grocery multiplier has little value for us.
































