What is your credit card spending set up?

[Anonymous]

Good topic, OP

Discover It and Chase Freedom - 5% Gas ($175/mo) and 5% groceries ($375/mo) - Other categories for the other half of the year depending on what they are.

USBank Cash+ - 5% TV/Streaming & Mobile ($350/mo) - 2% Whatever the Freedom and Discover aren't covering, either groceries or dining ($25-$75/mo on dining - I don't go out much).

Amazon Prime Store Card - 5% on anything I can get from Amazon ($100-$750/mo).

AMEX Cash Magnet - 1.5% on everything else - ($800-$1,100/mo depending on other cards' CB) - My next card will be something to replace this with a higher percentage CB card.

Trying to maintain AZEO, so somethimes all of the above goes out the window. I don't travel, so it's strictly CB cards for me at this point.

[Kforce]

FNBO --- Cashback Visa,  2%,  $24,000,  Rewards $480, ( General Spend )

Bank-West Master Card,  3%,  $12,000,  Rewards $360, ( Restaurant - Fast-Food - Gas - Grocery )

FNBO -- Travel Elite - AE,  3%+, $ 2,000,  Rewards $160, ( Air - Hotel - Car Rental - Bags Refunds )

US-Bank Cash Plus Visa,   5%,  $7,000,  Rewards $ 350, ( TV-Internet-Streaming, Propane, Gym )

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Average/Totals                   3%  $44,000   Rewards $1350

[VanderSnoot]

Current spend:

5% Categories - Discover it, Chase Freedom, US Bank Cash+

3% Dining and Entertainment - Capital One SavorOne

3%* Everything Else - Alliant (*first year only; 2.5% thereafter with $95 AF; can PC to a 2% card)

Average Rate = 3.25%

Some cards in the sock drawer that rotate quarterly with the category cards.

Cards on my want list:

Ducks Unlimited Rewards Platinum/FNBO - 5% Gas and Sporting Goods

Barclays Uber Visa - 4% Dining, 3% Hotel and Airfare

BofA Cash Rewards - 3% Categories (Online Shopping)

There are a few life changes coming up for me that will likely change this list (e.g. CSR).

[Revelate]

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@Anonymous wrote:

10k rent on DC - 1% after fee

8k flight/Gas on Propel - 4.98%

5k food/grocery on Amex Gld - 5.2%

5k Amzn on AMZN VISA - 5% (trying to reduce this, amazon doesn't always have the best price)

5k on CFU, most of everything else - 2.25% (this is planned, not yet PC CSP)

2-3k on CF/DISC rotating 5%

2-3k on Gift card at 7%+ discount.

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Can you cut that 3% rent payment fee through something like Plastiq 2.5%?

[Anonymous]

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@Kforce wrote:

FNBO --- Cashback Visa,  2%,  $24,000,  Rewards $480, ( General Spend )

Bank-West Master Card,  3%,  $12,000,  Rewards $360, ( Restaurant - Fast-Food - Gas - Grocery )

FNBO -- Travel Elite - AE,  3%+, $ 2,000,  Rewards $160, ( Air - Hotel - Car Rental - Bags Refunds )

US-Bank Cash Plus Visa,   5%,  $7,000,  Rewards $ 350, ( TV-Internet-Streaming, Propane, Gym )

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Average/Totals                   3%  $44,000   Rewards $1350

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Now that amount makes it all worthwhile!

[Credit-hoarder]

Sears M/C 10x TYPs on grocey--gas--and restaurants until the end of June
Chase INK Cash--5x Cable (and cell phone starting in June)

Chase FU 3x URs on almost ALL non-cat spend incl. utilities, and one set of storage units (for business) that doesn't accept AMEX
AMEX Blus Biz + 2x MRs on the other set of storage units for business that takes AMEX --plus SOME non cat spend (to help keep UTL low)
If Sears M/C doesn't offer me another 5x or 10x TYPs after June--restaurants and groceries go back to AMEX Gold at 4x MRs--and gas purchases go to Freedom Unltd.

[Revelate]

I should really do my rewards math someday, kudos for the idea Kforce!

[Anonymous]

5% Categories - Discover it, Chase Freedom, Citi Dividend

Utilities and Electronics - 5% on USBank Cash+

Phone and Internet bills and office supply stores - 5 URP/$ on Chase Ink 

Amazon and Whole Foods purchases - 5% on Amazon Visa

Travel - 4.5% on USBank Altitude

Everything else I can pay with Google Pay or Samsung Pay - 4.5% on USBank Altitude

Gas - 4% on Citi Costco card (unless a 5% category on Freedom, Discover or Dividend)

Grocery - 3% on CCU Visa card (unless a 5% category on Freedom, Discover or Dividend or I can pay with Altitude via mobile)

Dining - 3URP/$ on Chase Ink card (unless a 5% category on Freedom, Discover or Dividend or I can pay with Altitude via mobile)

Everything else that I can't pay with mobile pay (mostly online or over-the-phone purchases) - x% on whatever card I'm trying to reach a spending bonus on, otherwise 2% on Fidelity Visa, FNBO, Alliant (or currently Navy Federal or Barclay Arrival+ until annual fee nears and I have to downgrade or cancel)

[galahad15]

My setup:

(1)  US Bank Cash+ (x2) = 5% on cable, utilities, cell phone, and fast food.

(2)  BoA Cash Rewards WMC = 3.3% on gas, 2.2% on groceries.

(3)  FNBO Amex Travelite = 3% on travel, plus $100 annual travel incidentals credit with no AF

(4)  Cap1 NHM MC / Citi DC / FNBO BucksBack VS = 2% on all purchases, used for general spend. 

(5)  BEFCU VISA = occasional recurring annual rewards promotional periods of between 2% - 4%, 1% rewards on all purchases normally, plus 5.49% F go-to APR make this an ideal card to carry small balances on.  Also occasional bonus targeted spend options of between 5% - 10%.  My personal favorite card in my entire collection.

(6)  PACU VISA / FNBO Amex = 1.5% on both cards at 7.50% F and 8.50% V respectively, both also used for general spend.  PACU is 2nd-fave card in my collection.  FNBO Amex additionally has some nice BT promo offers from time to time.

(7)  BBR (x2):  $30 quarterly rewards yields $240 net rewards annually. 

[Anonymous]

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@Revelate wrote:

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@Anonymous wrote:

10k rent on DC - 1% after fee

8k flight/Gas on Propel - 4.98%

5k food/grocery on Amex Gld - 5.2%

5k Amzn on AMZN VISA - 5% (trying to reduce this, amazon doesn't always have the best price)

5k on CFU, most of everything else - 2.25% (this is planned, not yet PC CSP)

2-3k on CF/DISC rotating 5%

2-3k on Gift card at 7%+ discount.

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Can you cut that 3% rent payment fee through something like Plastiq 2.5%?

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Its a flat fee of 17 bucks on a rent of 800. Paying with Plastiq won't give me more reward. Currently I am paying 2 months at a time to get ~1% back on 1617 payment.