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New Daily Driver now that SPG is RIP

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wingennis
Valued Contributor

Re: New Daily Driver now that SPG is RIP


@Anonymous wrote:

@simplynoir wrote:

I'd imagine Amazon and self-checkout at grocery stores will take care of hitting the transaction threshold every month if you have both cards.


Again, that goes back to the point of having to go out of my way to reach the 30 transactions a month. I'd rather just live my life and spend naturally. 


I feel the same as you.  I may order from Amazon once a month or two and I hate managing gift cards on top of credit cards.  I chose the PRG over the EDP so I don't have to manage 30 transactions per month.  Once I subtract out the airline credit, I'm at $95.  The additional 2x on dining makes up for the additional 1x on groceries for me.

Message 11 of 18
Anonymous
Not applicable

Re: New Daily Driver now that SPG is RIP


@wingennis wrote:

@Anonymous wrote:

@simplynoir wrote:

I'd imagine Amazon and self-checkout at grocery stores will take care of hitting the transaction threshold every month if you have both cards.


Again, that goes back to the point of having to go out of my way to reach the 30 transactions a month. I'd rather just live my life and spend naturally. 


I feel the same as you.  I may order from Amazon once a month or two and I hate managing gift cards on top of credit cards.  I chose the PRG over the EDP so I don't have to manage 30 transactions per month.  Once I subtract out the airline credit, I'm at $95.  The additional 2x on dining makes up for the additional 1x on groceries for me.


 

That was my thought when I signed up for the PRG, but most restaurants, even though they show up as restaurant on the statement, do not get credited as 2x. I assume it is because they are using a third-party transaction system like square and AMEX has funny language regarding their restaurant bonuses.

Message 12 of 18
wasCB14
Super Contributor

Re: New Daily Driver now that SPG is RIP

How much dining and off-category spend per month are we talking about? Do you own a business, even if it's very small, or have some sort of professional or trade expenses you pay out of pocket (whether you get reimbursed for them or not)? Some hobby with a profit motive?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 13 of 18
Anonymous
Not applicable

Re: New Daily Driver now that SPG is RIP

Oh, yes the BBP is the way to go for the flat 2x. I don't think I will ever hit $50k in normal OR business spend so it's always guaranteed to rake in points!

 

Luckily, the EDP for me and wife is easy to hit. While she is efficent in grocery shopping one time a week for everything she needs, I stop by the grocery store daily even when I know I'm cooking the next day Smiley LOL

(I also buy a $0.99 cup of coffee at speedway 5 days a week because I wouldn't survive without it lol)

 


@Anonymous wrote:

@Anonymous wrote:

I put my non-category spend on the Blue Business Plus and the Everyday Preferred. Both of those cards offer a great return! 


I've thought about that method but that means you need to use your card on gas and groceries 30+ times a month in addition to the spend on the BBP to get the full potential of both cards at at the same time. I'd rather not have that requirement over my head and just take the 2x MR on everything instead. 


 

Message 14 of 18
Gregory1776
Valued Contributor

Re: New Daily Driver now that SPG is RIP

Chase Freedom Unlimited if you don’t have it. (You do) 3% right now first year!!
AmEx BCP 30k
EveryDay 11.5K
Discover 29k
Wells Fargo AC 25k
Chase Amazon 23.5k
US Bank Cash+ 20K
Cash+#2 14.4K
Citi Simplicity 13.6K
Smartly Visa 17k SL
BILT 18k SL
PenFed Loan 2.3k/8k
Message 15 of 18
wingennis
Valued Contributor

Re: New Daily Driver now that SPG is RIP


@Anonymous wrote:

@wingennis wrote:

@Anonymous wrote:

@simplynoir wrote:

I'd imagine Amazon and self-checkout at grocery stores will take care of hitting the transaction threshold every month if you have both cards.


Again, that goes back to the point of having to go out of my way to reach the 30 transactions a month. I'd rather just live my life and spend naturally. 


I feel the same as you.  I may order from Amazon once a month or two and I hate managing gift cards on top of credit cards.  I chose the PRG over the EDP so I don't have to manage 30 transactions per month.  Once I subtract out the airline credit, I'm at $95.  The additional 2x on dining makes up for the additional 1x on groceries for me.


 

That was my thought when I signed up for the PRG, but most restaurants, even though they show up as restaurant on the statement, do not get credited as 2x. I assume it is because they are using a third-party transaction system like square and AMEX has funny language regarding their restaurant bonuses.


I've only had one restaurant not code as a restaurant.  It showed up as supermarketSmiley Frustrated  Still 2x, though!

Message 16 of 18
AverageJoesCredit
Legendary Contributor

Re: New Daily Driver now that SPG is RIP

SPG, R.I.P My condolences.
Message 17 of 18
redpat
Senior Contributor

Re: New Daily Driver now that SPG is RIP

Back to the bread and butter of MR, UR and sprinkle in some AA miles.

 

 

Personal Cards: Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+
Message 18 of 18
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