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Hey Folks
Super general thought: I've honestly been wanting a change/new card in the ol' arsenel but can't really commit to something (CS Plat will be in the future, once I use the 200$ credit from the vanilla.
Current set up: Amex Gold, Amex Plat, Amex HH No AF, debit card for smaller purchases. I tend to travel a ton for work and each month for reserve duty that is reimbursed.
Gold: Restaurants, groceries
Plat: Airfare, extraneous (usually unnecessary purchases)
HH: Gas when its not a 5% with CF
CF: Category spend
CSR: Hotels, extraneous travel spend (parking, hotels, airbnb, when AMEX isnt accepted for food)
I am fairly certain I am over 5/24 though I am receiving mailers for MB cards and other Chase offers.
Anyone see any holes that can be filled? I am HH Diamond (the hard way, you haters) and MB Gold trying for Platinum (yet it feels futile).
TIA
@JNA1 wrote:
It looks like you have no card for utility bills spend or normal everyday/general spend. I currently use the BBVA ClearPoints card for 3% on all my monthly bills. The utilities category on the BBVA card is very broad. This category is going to yield more than $420 for us for the year, and I have all my utilities and bills set to auto pay, so I don't even have to carry the card if I don't want to. I'm eventually going to get the US Bank Cash + card because you can set the two 5% categories to utilities and cell phone bill. The other hole seems to be general spend (retail, household supplies, online shopping, etc.) I use 2% PayPal Mastercard for that purpose, and it is typically my largest spend card at around $18K yearly, so I estimate I'll earn $350 this year with it.
That's a good thought. I don't have too many utility bills but power bill gets pretty insane over the summer time. I'll have to check to see if I can pay those bills with CCs and not incur a fee. I've just been using bill pay through my bank(s).
To get the USB Cash + does one need to have a current account with them? Actually same question for the BBVA?
@Caught750 wrote:
BBVA can be geo restricted unless you get an invite mailer. US Bank is the better card (IMHO) with 5% back (still no AF) and it is neither geo or relationship restricted. The underwriting is tighter though. I love my Cash+ but don’t like BBVA (no real articulable reason).
Good tip, thanks. Did some searching, looks like BBVA does do business out here. USB does seem to be a better card, my only question relates to the bredth of their "Utilities" category. I need to find some T&Cs that lists out what will and will not code.
@CBartowski wrote:Hey Folks
Super general thought: I've honestly been wanting a change/new card in the ol' arsenel but can't really commit to something (CS Plat will be in the future, once I use the 200$ credit from the vanilla.
Current set up: Amex Gold, Amex Plat, Amex HH No AF, debit card for smaller purchases. I tend to travel a ton for work and each month for reserve duty that is reimbursed.
Gold: Restaurants, groceries
Plat: Airfare, extraneous (usually unnecessary purchases)
HH: Gas when its not a 5% with CF
CF: Category spend
CSR: Hotels, extraneous travel spend (parking, hotels, airbnb, when AMEX isnt accepted for food)
I am fairly certain I am over 5/24 though I am receiving mailers for MB cards and other Chase offers.
Anyone see any holes that can be filled? I am HH Diamond (the hard way, you haters) and MB Gold trying for Platinum (yet it feels futile).
TIA
@Anonymous wrote:
I agree with JNA1.
Have you thought about an everyday use card?
I have and that has actually been the most challenging. I currently bounce between Citi DC, Plat, and Debit for non cat spend.