Q1 2019 planning for spending categories

[longtimelurker]

Groceries:   Wholefoods:  10% Square Cash, elsewhere BCP 6%

Travel: CSR 3UR

Gas/Drug Store:  Freedom 5UR (Dividend back up for gas)

Eating:  CSR 3UR/Uber 4%

Utilities: Cash+ 5%

Gym: Cash + 5%

Cell phone Cash + 5%

Everything else: Fidelity Visa 2%

Hoping for Chase Pay Q2 on Freedom....

[Anonymous]

Groceries: Disco 5% (10% first year)

Utilities: BBVA Compass ClearPoints 3%

Cell phone: BBVA Compass ClearPoints 3% (counts as utility)

Retail: BBVA Compass ClearPoints 2% (Amazon counts as retail so this is a decent perk)

Everything else on the cashRewards - 1.5% plus Member Mall bonus cash back whenever I can

[xenon3030]

I have AMEX BCP, 6% for groceries.

USB Cash+  5% --> ground transportation (Uber), phone (but no phone insurance).

Dining: PRG (MR 4x), Uber (4%).

Bills --> BOA PR.

PS: USB Cash+ categories seem weird, making it difficult to select the categories. It separated dep store and clothing store, Macy's in dep store, Express in clothing . Cannot use it for home utilities, need ACH only.

[Anonymous]

Would love to see more about how everybody is planning!

Almost had an heart attack thinking I can get 5%+ on my rental payment with USB cash+.... but....too good to be true ... lol

[xenon3030]

For 10% on Uber, activate USB+ ground transport in 5% categories. Then, if you buy Uber credit e.g. 100$ in Uber app, Uber also gives 5% discount and charges you 95$. So, in total, ~10% :-)

[NRB525]

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@xenon3030 wrote:

For 10% on Uber, activate USB+ ground transport in 5% categories. Then, if you buy Uber credit e.g. 100$ in Uber app, Uber also gives 5% discount and charges you 95$. So, in total, ~10% :-)

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That stack seems like it should also work with:

CSR = 3 UR plus 5% from Uber?

US Bank Altitude = 3 points ( 4.5%) plus 5% from Uber?

CSP = 2 UR plus 5%

New Hyatt = 2 Hyatt points plus 5%.....

[Anonymous]

Amex BCP  - 6% Groceries

Chase Freedom - 5% Gas

Chase Amazon - 5% Amazon

USBank Cash+ - 5% Utilities and 5% Kohls (Dept Stores)

WF Propel - 3% Restaurants, 3% Travel, Cell Phone (Insurance)

Marvel MC- 3% Movie Theaters and Entertainment

Paypal MC/Biz Debit Combo - 2-3% Everything Else