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I have all my 2014 annual spend reports for my cards and decided to see what percentage I was getting per card my results are the following
Chase Sapphire Preferred 57,986 points on $26,232.32 spend =2.2% rounded down
Barclay Arrival Plus 30,132 on $14,455.84 spend= 2.08% rounded down
Chase Freedom 45,015 points on $14,132.25= 3.19% rounded up
Discover It $255.24 on $4258.84 spend= 6% rounded up
(I have Quicksilver card too but its fixed at 1.5% sooo.....)
(I didn't add the yearly bonus for the Chase cards)
I was shocked that I got about 6% from Discover but which such low spend I guess its not that hard. I'd be interested to see how much value others get out of their cards.
331.45 on 5341 on discover @ 6.2 percent. Heh couple 30 dollar bonuses on discover deals.
35.02 on 1400 BOA 1-2-3 @ 2.5 percent.
Everything else is fixed.
Not going to do all the math here, but I'll guess..
Boa cash rewards (before the PC) ~1.2%
Amex TE ~ 1.8%
Cap One QS ~ 21.7% haven't used it since I got the bonus, returned a small purchase that didn't work bringing me under $500 spend but Cap One let me keep the bonus.
Sallie Mae ~ 34% New to me card, this includes the $25 first purchase bonus
I got my Discover a few days into December so it wasn't a full year; however: I got around 4% cash back from the day I got it until the 31st. I put every dime of my christmas shopping on it and that was all through Amazon.
My current cashback rate for Discover is around 2.5% or so.
OK, I thought I was the only one nerdy enough to keep track of all of this stuff.
Without detailing all 34 cards, here are the highlights:
Card | Spent | Earned | Rate |
Discover It | 3,447.35 | 161.33 | 4.68% |
Discover More #1 | 3,538.63 | 404.82 | 11.44% |
Discover More #2 | 1,594.20 | 157.01 | 9.85% |
BarclayCard Arrival | 14,239.00 | 738.22 | 5.18% |
USBank Travel Rewards | 12,237.63 | 462.74 | 3.78% |
Chase Ink #1 | 6,597.62 | 872.37 | 13.22% |
Chase Ink #2 | 1,970.42 | 98.50 | 5.00% |
PenFed AmEx | 41.33 | 30.32 | 73.36% |
BBR #1 | 134.44 | 130.88 | 97.35% |
BBR #2 | 150.58 | 133.60 | 88.72% |
BBR #3 | 87.20 | 125.95 | 144.38% |
BBR #4 | 246.35 | 136.58 | 55.44% |
USBank Cash+ | 3,175.04 | 190.40 | 6.00% |
SallieMae | 4,681.12 | 222.86 | 4.76% |
CSP | 3,004.89 | 594.10 | 19.77% |
Earnings include normal rewards earning, special offers (AmEx offers, Discover Deals, etc.) and signup bonuses.
All told, I earned $6,038.14 in rewards on spending of $75,613.70, for an average of 7.99%, which isn't too bad. The total rewards earned is a record for me, going back to 2009. Note that for non-cash based cards, rewards earned are based on a nominal redemption rate; airline miles, hotel points, FlexPerks points, URP, are all valued at 1¢ per point. In reality, I try to get much more out of them. So far, I've managed to get almost 2¢ per FlexPerks point redemption, and thanks to some other posters on this board, I plan to get much more than 1¢ per point out of my URP.
Redemption is the other side of the coin. I do tend to prefer cash which, for my purposes, I define as money I can spend anywhere; paper checks, deposits to bank accounts, statement credits (which either reduce how much I have to pay out on a future statement or I call CS and have a paper check sent to me for my credit balance), or Visa, M/C, AmEx or Discover gift cards (my least favorite option, but reduce the amount of future spending). But I will redeem for other items of value (store gift cards, airline flights, hotel stays, etc.) when the redemption rate is better than for cash (e.g. Discover or AmEx PRG), or when I have no other options (e.g. airline, hotel cards). In 2014, I redeemed $4,779.70 of rewards, of which $3,618.74 was in cash. The remainder was redeemed as store gift cards. While $4,779.70 was not a record, $3,618.74 in cash was a record for me.
My seven-year averages (2009-2014) are $4,076.29 earned, $4,039.84 redeemed of which $2,486.37 was in cash.
Chris.
That's a damn fine haul on the rewards
I don't know the percent, but I inadvertently churned Chase and Citi. I now have so many rewards I don't know what to do with them LOL
Freedom- 10,000 UR for $500 spend
CSP- 50,000 UR for $4,000 spend (added AU for 5,000 extra UR)
British Airways- 50,000 Avios for $2,000 spend
South West- 50,000 miles for $2,000 spend
AAAdvantage- 50,000 miles for $3,000 spend
I still have to meet the $1,000 spend on Barclay Arrival and AMEX.
I really need a Hotel card, but I think I will let the accounts mature before I annoy Chase.
@dwz55 wrote:I have all my 2014 annual spend reports for my cards and decided to see what percentage I was getting per card my results are the following
Chase Sapphire Preferred 57,986 points on $26,232.32 spend =2.2% rounded down
Barclay Arrival Plus 30,132 on $14,455.84 spend= 2.08% rounded down
Chase Freedom 45,015 points on $14,132.25= 3.19% rounded up
Discover It $255.24 on $4258.84 spend= 6% rounded up
(I have Quicksilver card too but its fixed at 1.5% sooo.....)
(I didn't add the yearly bonus for the Chase cards)
I was shocked that I got about 6% from Discover but which such low spend I guess its not that hard. I'd be interested to see how much value others get out of their cards.
That is alot of spend in a year on CC's! I wish I could do car payment and rent easily via CC's
@CreditCuriousity wrote:
@dwz55 wrote:I have all my 2014 annual spend reports for my cards and decided to see what percentage I was getting per card my results are the following
Chase Sapphire Preferred 57,986 points on $26,232.32 spend =2.2% rounded down
Barclay Arrival Plus 30,132 on $14,455.84 spend= 2.08% rounded down
Chase Freedom 45,015 points on $14,132.25= 3.19% rounded up
Discover It $255.24 on $4258.84 spend= 6% rounded up
(I have Quicksilver card too but its fixed at 1.5% sooo.....)
(I didn't add the yearly bonus for the Chase cards)
I was shocked that I got about 6% from Discover but which such low spend I guess its not that hard. I'd be interested to see how much value others get out of their cards.
That is alot of spend in a year on CC's! I wish I could do car payment and rent easily via CC's
I got married and spent a month on my honeymoon so my spend is a little inflated.