What is your monthly combo? and why?

[Anonymous]

What is your monthly combo and why did you select it?

Mine:

1. BCP ($400-$500/month on groceries @ 6% cash back per dollar spent) Estimateted $250 cash back per year AFTER annual fee

2. PenFed Visa Platinum Rewards ($100-$150/month on gas @ 5X per dollar spent) Estimated $50 per year

3. Fidelity Visa (Everything else @ 2% per dollar spent) Estimated $200 cash back per year

[galahad15]

My usual monthly combo:

(1)  BEFCU VISA and PACU MC:  daily drivers with up to ~1.5% cashback rewards and low APRs

(2)  US Bank Cash+ (2 cards):  5% cashback on cell phones, ground transportation, fast food, and department stores categories

(3)  Cap1 NHM Platinum MC:  use for the 2% cashback on all other misc. purchases, redeemable at full 2% for travel with no min. redemption threshold

ETA:  there are also a few recurring monthly bills like car insurance, etc. that I place on certain other cards, like my 2% FNBO BucksBack VS, DC, and BBRs.

[Anonymous]

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@galahad15 wrote:

My usual monthly combo:

(1)  BEFCU VISA and PACU MC:  daily drivers with up to ~1.5% cashback rewards and low APRs

(2)  US Bank Cash+ (2 cards):  5% cashback on cell phones, ground transportation, fast food, and department stores categories

(3)  Cap1 NHM Platinum MC:  use for the 2% cashback on all other misc. purchases, redeemable at full 2% for travel with no min. redemption threshold

ETA:  there are also a few recurring monthly bills like car insurance, etc. that I place on certain other cards, like my 2% FNBO BucksBack VS, DC, and BBRs.

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Very well done!!

I need to find a card other than US Bank for 5% on cell phone bill 

[galahad15]

Thanks c00mtg! 

[Anonymous]

Amex bce for grocery stores
Csp for dining
Chase fu for everything else.

I'd say 90% goes on the chase FU because I do a lot of grocery shopping at Walmart and my BCE doesn't code that as grocery.

[Anonymous]

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@Anonymous wrote:
Amex bce for grocery stores
Csp for dining
Chase fu for everything else.

I'd say 90% goes on the chase FU because I do a lot of grocery shopping at Walmart and my BCE doesn't code that as grocery.

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Do you not have any other grocery stores near by?  Do you also use Chase FU for gas? How much do you put on the BCE/month on groceries?

[Anonymous]

2017

May Barclay Arrival + 650 dollars

JUne Southwest Plus 62,000 Points

July Amex PRG - 52000 points + 200 dollar travel credits

August Amex BCE 250 dollars 

September CITI AAdvantage 69000 miles

October Southwest Premier 60000 points

November AMEX SPG - 30000 points

[Kforce]

In Wallet;

1. Bank of the West : 3% Cashback  : 1,000/month :  $360/yr
   Groceries, fast food, dining, and gas purchases

2. FNBO 2% Cashback : Everything spend : 2,500/month :  $600/yr
    General use / everything not covered with better cashback cards.


Sock Drawer  / Special Category / Limited Use

1. US-Bank Cash+ : 5% : 600/month :   $360/yr
   Cell phone, gym, amazon, sporting goods
   First quarter pay cell & gym for year then change
   category's for rest of the year. Get extra discount

   from gym for full year payment (extra 5%)

2. Citi Double Cash : 2% :  1,000/month :  $240/yr
   Utilities, and all monthly recurring charges.
   I want a separate card for all linked / recurring charges

3. FNBO Travel Elite : 3% Cash back and $100 benefits/yr : 400/mo :  $240/yr
   Air, car rental, hotel, cab, etc.
   Only use when I travel, and only 1 or 2  times a year.

   Just shy of 3% cashback on all CC spend

[Anonymous]

1. EDP for the great return on gas and grocery. I've had it since November and it has gotten me 31k MR points (worth $600+ for me)

2. PRG (until I close it) for restaurants. (Initially for signup but, serves no purpose with the BBP existing).

3. Blue Business Plus on everything else for the double points. Double points!!

I occasionally use my SPG card for non-category too since I cherish SPG points.

[Anonymous]

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@Kforce wrote:

In Wallet;

1. Bank of the West : 3% Cashback  : 1,000/month :  $360/yr
   Groceries, fast food, dining, and gas purchases

2. FNBO 2% Cashback : Everything spend : 2,500/month :  $600/yr
    General use / everything not covered with better cashback cards.


Sock Drawer  / Special Category / Limited Use

1. US-Bank Cash+ : 5% : 600/month :   $360/yr
   Cell phone, gym, amazon, sporting goods
   First quarter pay cell & gym for year then change
   category's for rest of the year. Get extra discount

   from gym for full year payment (extra 5%)

2. Citi Double Cash : 2% :  1,000/month :  $240/yr
   Utilities, and all monthly recurring charges.
   I want a separate card for all linked / recurring charges

3. FNBO Travel Elite : 3% Cash back and $100 benefits/yr : 400/mo :  $240/yr
   Air, car rental, hotel, cab, etc.
   Only use when I travel, and only 1 or 2  times a year.

   Just shy of 3% cashback on all CC spend

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Interesting (in a good way).  You don't have a 5% or 5X on gas card?