What's your current cash back setup?

[Wu-Credit]

Got tired of juggling 5% rotators so I've simplified to just using 6 cash back cards for now.

Citi CC - 5% groceries, dining, or gas (currently dining, depends on Discover)

Discover - 5% rotating (currently groceries & Walmart)

Gemini - 4% gas, 3% dining, no FTF

Bofa CCR 1 - 4.5% online, 3% groceries & wholesale

Bofa CCR 2 - 4.5% home improvement & furnishings, 3% groceries & wholesale

BofA UCR - 2.25 % catch all

I've got about 3 other cash back cards on the chopping block for the next 12 months. Hoping to add Citi R+ next year to bump up my CCC to 5.55% and I'll be set. Wait, no.. I'll be set whenever I reach Platinum Honors with BofA lol. I do like how this cash back hobby and reaching that goal has influenced me to save/invest more than usual.

[30mm_goes_BRRRT]

I carry on me:

Amex BCP - 6% groceries

USAA Cashback Rewards Plus - 5% gas

USBAR - 4.5% mobile wallet catch-all 

USBGO - 4% dining (places that need a card)

Alliant Signature Visa - 2.5% catch-all

Wife carries BCP, USBAR, Alliant

Moving overseas, planning to use USBAR and Alliant as primary drivers

[redpat]

Not again......Why not "What is your reward setup?"  

This is probably the 10th or more time with a CB setup thread.

[Wu-Credit]

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@redpat wrote:

Not again......Why not "What is your reward setup?"  

This is probably the 10th or more time with a CB setup thread.

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What do you mean? I created this thread specifically for you. 

[Gregory1776]

BCP,  Groceries (and all the stores there 😬), tolls, (audible, hopefully?).

CASH+ cell phone & I juggle between electronic and sports stores. 

Discover: if it is a category I spend money on I use it. I'm maxing out gas. 

Wells Fargo and Powercash rewards sees the rest usually. 

i am carrying a lot of balance so I'm paying that off and being conservative with spending.

[Anonymous]

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@Wu-Credit wrote:

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@redpat wrote:

Not again......Why not "What is your reward setup?"  

This is probably the 10th or more time with a CB setup thread.

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What do you mean? I created this thread specifically for you. 

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Tomorrow I will create a thread on the brand new topic "Why pay huge AF on Amex Charge cards when you can do cashback and use SYW?"

[Anonymous]

Carried: All

5% Grocery up to $500/month, then 3%
5% Gas
5% Utilities and cell phone
5% Amazon

3% Dining
3% Sams Club
3% PayPal

2% everything else in the US
1.5% on foreign purchases

13% to 20% Home Depot / Lowes / Autozone / Ebay / Kohls / Burger King / Pizzahut / others

27% to 29% Dominos / Steak N Shake

[xenon3030]

The majority of my CB setup would go by default on the combo of BOA CCR (5.2%, online shopping, plat honor) and USB AR (4.5% in-store). The online purchases may go on SYW, if receiving monthly large spending offers (~25% if targeted).

I have plenty of 2-2.6% cards for non-cateogry purchases (BOA UR, DC, BBC).

@redpatmight show us the way that we should pay large amount of AF in cash to Amex and still be able to beat the combination of CCR/AR/SYW . I have lots of SUB offers from Amex to apply for Plat/Gold and if the motivations can look promising and if no hardworking would be required (due to extensive coupon book), I may think about the MR ecosystem.

[redpat]

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@xenon3030 wrote:

The majority of my CB setup would go by default on the combo of BOA CCR (5.2%, online shopping, plat honor) and USB AR (4.5% in-store). The online purchases may go on SYW, if receiving monthly large spending offers (~25% if targeted).

I have plenty of 2-2.6% cards for non-cateogry purchases (BOA UR, DC, BBC).

@redpatmight show us the way that we should pay large amount of AF in cash to Amex and still be able to beat the combination of CCR/AR/SYW . I have lots of SUB offers from Amex to apply for Plat/Gold and if the motivations can look promising and if no hardworking would be required (due to extensive coupon book), I may think about the MR ecosystem.

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AA hotel bookings of 35% - 62%, 4.50% - 14% dining some stacked / AA dining, 10% - 30% shopping rakuten, AA, chase portals some stacking w/ simplymiles, Amex offers and chase offers, 23% on AA flights w/ current status. So, yes keeping within the AA miles, Amex MR and Chase UR ecosystems I can do better than CCR/AR/SYW.  I may not have a grocery cat but I do make up for that in other areas.  Gas is 4% ink+ and Shell AA combo (3 miles per gallon) biz expense.

We have a wedding this weekend hotel $323, 7,900 miles plus 10x Exec card 3,230 = 11,230 miles getting 1.77x right now $198/$323 = 61%.  Would have booked for a free stay but almost EP status so w/ 30% bonus I'll pickup 10,270 LPs and 323 LP from Card spend.  Worth paying for stay, IMO.

Coupon book isn't hard w/ $240 WSJ, $100 Saks, $200 FHR and $155 Walmart+ and maybe use $75 of the Uber credit $770 is that really extensive? So I'm plus $70, home airport has an escape lounge(only lounge) and I fly in and out of CLT, DEN, DFW and SFO. Not a lot of spend on plat, BRG gets the biz spend for my MRs.  

[ptatohed]

This one is just for you pat.........

I went to Subway today.  I used the app to get the BOGO footlong and to earn points.  I paid with my Chase freedom for 5% this quarter + another 10% on top of that with the Chase offers.  I used a survey code for a free drink.  I brought my own chips (your favorite part).  I picked two of the lower cost footlongs.  I used $2 off with my previously accumulated points.  I got the subs untoasted and I chose take-out (even though I ate there) so that I don't pay sales tax.  I found a receipt in the trash and I submitted it for missing points (tokens).  Oh, and I found a penny on the floor.