@Anonymous wrote:
@Anonymous wrote:I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!
Well, some very infrequent travelers may still want "the trip of a lifetime" type thing. Cashback doesn't work well for first class international airfare (or luxury hotels). But if you have no interest in such things, and travel infrequently, cashback works well.
Literally just did this. Nearly 3 years of patient miles/points hoarding. Roundtrip flight to Europe in first class and almost 2 weeks stay in an amazing hotel. Nearly every expense paid for or reimbursed with miles/points. I felt like a Queen for 2 weeks. Totally worth the cost of annual fees and patience.
@LawStudentCivilis wrote:
@isik wrote:Internet and Insurance - Amex BCP 11% (until the end of the year, will move to Cap1 QS 1.5%)
@isik I wasn't aware of this offer for BCP, is it targeted?
I don't know, I guess it is. They have a 15$ total cashback cap. Both are 10% + 1% normal cashback.
@wingennis wrote:
@Anonymous wrote:
@Anonymous wrote:I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!
Well, some very infrequent travelers may still want "the trip of a lifetime" type thing. Cashback doesn't work well for first class international airfare (or luxury hotels). But if you have no interest in such things, and travel infrequently, cashback works well.
Literally just did this. Nearly 3 years of patient miles/points hoarding. Roundtrip flight to Europe in first class and almost 2 weeks stay in an amazing hotel. Nearly every expense paid for or reimbursed with miles/points. I felt like a Queen for 2 weeks. Totally worth the cost of annual fees and patience.
Congrats! Did u use Delta card for it? I thought that way of hoarding pts/miles for a big trip was a Disco Miles recipe lol. It's certainly a great way to use it for infrequent travelers for sure!
@Anonymous wrote:
@wingennis wrote:
@Anonymous wrote:
@Anonymous wrote:I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!
Well, some very infrequent travelers may still want "the trip of a lifetime" type thing. Cashback doesn't work well for first class international airfare (or luxury hotels). But if you have no interest in such things, and travel infrequently, cashback works well.
Literally just did this. Nearly 3 years of patient miles/points hoarding. Roundtrip flight to Europe in first class and almost 2 weeks stay in an amazing hotel. Nearly every expense paid for or reimbursed with miles/points. I felt like a Queen for 2 weeks. Totally worth the cost of annual fees and patience.
Congrats! Did u use Delta card for it? I thought that way of hoarding pts/miles for a big trip was a Disco Miles recipe lol. It's certainly a great way to use it for infrequent travelers for sure!
I had Delta Miles, MRs and Capital One miles. And I had a fabulous time being spoiled. I can't always travel like that but it sure is fun when I can.
- Discover It Cashback: 5% rotating categories. I use this card mostly for restaurants, gas, and digital wallets (Apple Pay) for 5% cashback. With digital wallets, there is overlap because I can use Apply Pay at gas stations, grocery stores, and restaurants, too.
- Affinity Cash Rewards: 5% at Amazon, 2% gas and groceries, and their 5% rotating categories (which also stack) are nice, too.
- NFCU Flagship Rewards: 2% unlimited non-category cashback and 3% cashback on travel. It has a $49 annual fee, but their sign-up bonus will cover that for the next 7 years. This is my base card when no other card can cover a certain category.
- AMEX Platinum: On the chopping block. Was initially used for paying for flights. I now use my NFCU Flagship rewards for that.
- AMEX Blue Cash Preferred: Also on chopping block. This is a very powerful card if you have heavy spending. I would get gift cards (Not VISA) to various merchants at grocery stores for 6% cashback. The 3% cashback for gas is also nice. There are just better cards out there for no annual fee.
- Apple Pay: Why do I have this card? lol It's a backup 2% cashback card in case NFCU decides to close my Flagship for whatever reason
- U.S. Bank Cash Plus: Two 5% categories each quarter and one 2% category. I use this for my cable and phone bill, getting 5% back every month. I can buy my next Apple Phone and watch through my cable provider so I can get 5% back on that as well which beats out the Apple Card
- USAA Preferred Rewards: 1.5% unlimited cashback. On the chopping block. Nothing wrong with the card. I just don't use it.
Last update: 5/10/2024
My complete existing card lineup is listed in my signature, but here are the ones I currently use on a regular basis 
(1) Gas: Citi Custom Cash WEMC plus Citi Rewards+ WEMC combo (5.5% capped categorized cashback)
(2) Cell Phone/Utilities/Fast Food/Ground Transportation: 2x Cash+ VS (5% capped categorized cashback)
(3) Amazon purchases: Amazon Prime VS (5% uncapped cashback + free Amazon shipping)
(4) Online Shopping: BoA CCR WMC (3.3% capped categorized cashback); PayPal Cashback Rewards MC (3% uncapped cashback for all PayPal-based purchases)
(5) General Spend: AOD FCU VS (3% uncapped cashback on all purchases)
(6) Groceries: Andrews FCU Titanium VS (3% uncapped categorized cashback)
(7) Travel: WF Propel AMEX (3% uncapped categorized cashback)
(8) Low APR: BEFCU VISA, Dover FCU Advantage MC, AOD FCU VS, PACU MC, Unify FCU Variable-Rate VS, Unify FCU Fixed-Rate VS, FNBO BucksBack VS, BoA CCR WMC (5.49% F, 6.99% F, 7.49% F, 7.50% F, 7.99% V, 8.99% F, 9.25% V, 9.99% F, in respective order)
