@RonMcKelly81 wrote:
So i did some investigating and the reason my 1% category in the BCE is 40% of my rewards is because its for food,bars,restaurants! Wow.
Now it seems i'll be using my new Savor One for Dining/Bars/Takeout, BCE for Gas, and will have to investigate which Chase card to PCE to now that I know much of my spending not accounted for is dining.
So Freedom Flex now may make the most sense? Also, what purchases are typically considered as "Other"?
Summary:
1. Savor One for hotels, dining, entertainment, streaming, grovery
2. BCE for online retail, gas
3. Freedom Flex for whatever categories are the best in that quarter
I know you don't want to add too many new cards but you may want to start thinking about getting 5% CB on your higher spends cats. The Redstone Visa Sig has 5% on rest's and gas all year long. And a very nice list of 3% as well. And if you ever did spend in an 'other' cat, at least you get 1.5% instead of 1%. There are other cards too that can get you 5% all year in your highest spend cat.
https://www.redfcu.org/personal/credits-cards/visa-signature/
[Until I can make a pretty signature, here’s an updated draft]
Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card
5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards
Everyday 4% CB:
US Bank Smartly (v1.0)
Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)
Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)
Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)
On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
