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Grocery -Amex BCP, EDP, OBC, BCE
Gas -(in order)(Freedom or Discover at thier quarters) Citi Costco (4% CB), Citi Premier (3x TU), Ink(2x UR), Amex gold (2x MR), Amex blue (2% CB)
Clothing - Freedom during dept store quarters (5x UR), buy GC where you earn more than 1x pts (example: Saks GC at Staples using Ink for 5x pts)
Tuition - VGC purchased at Staples with Ink
Office Supplies - Ink!
Restaurant - Freedom (2016 Q3), Sapphire Preferred (especially on first Friday of month! Buy gift cards from restaurants you frequent.)
Airlines, Travel - (in order)"Amex platinum if booked directly with the airline or through amextravel.com (5x MR) Amex PRG (3x MR), Chase Sapphire Reserve (3x UR), Prestige or Premier (3x TU), Sapphire Pref (2x UR)
Hotel - Ink or Sap p (2x UR), Prestige or Premier (3x TU)
Rental Car / CWD - CSP
Anything needing warranty - Amex SPG
International purchases - Any card that doesn't charge forex fee (some data on Visa vs MC vs AMEX)
Penny purchases - Chase Freedom ONLY if your grandfathered to the OLD Freedom, otherwise makes no difference.
Entertainment (Movies, Broadway shows, Concerts etc)- Citi Prestige or Premier or Forward (2x TU)
Phone,cellphone,internet - Ink (5x)
« Last edited by yandmk on January 04, 2018, 07:41:28 AM »

Author Topic: Which is the best card to use? *Master Thread*  (Read 81960 times)

Offline yitzyul

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Re: Which is the best card to use? *Master Thread*
« Reply #450 on: June 12, 2018, 06:57:26 PM »
Spg B4 devaluation or Amex Business plus for regular purchases?

Online davidrotts63

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Re: Which is the best card to use? *Master Thread*
« Reply #451 on: June 12, 2018, 07:01:34 PM »
If you max out 50k for August, then use SPG till then
I'll tell you later

Offline lindnuck

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Re: Which is the best card to use? *Master Thread*
« Reply #452 on: June 18, 2018, 04:41:29 PM »
Please forgive the bump, I'm not sure anyone saw this as an unrelated reply took the thread quickly to a new page.

Please help me figure out how to pay for (and maximize the return on) the following expense?

Iíve agreed to be the team manager for my recreational sports team. Upcoming team dues are going to be close to $8,000.

Cards Iím considering using include: Ink Plus, Ink Business Preferred, FU, SPG Biz Amex. I also have the CSR and Amex Platinum.

Iím currently about $4,500 short of the minimum spend for the IBP.

Option 1: $4.5k on the IBP to max out the spend. 12 $300 Visa gift cards on IP through the portal for 7x points. Would receive: 30,452 UR (not including the 80k sign up bonus) and net cost of $107.40 ($0.04/UR).

Option 2: 27 $300 Visa gift cards on IP through the portal for 7x points. Would receive: 57,692 UR and a net cost of $241.65 ($0.04/UR).

Option 3: $4.5k on the IBP to max out the spend. $3.5k on the FU. 9.75k UR (not including the 80k sign up bonus) and no net cost.

Option 4: $4.5k on the IBP to max out the spend. $3.5k on the SPG. 4.5k UR (not including the 80k sign up bonus) and 7k SPG for no net cost.

Option 5: $5k on the AP and $3k on the IBP. Would receive: 7.5k MR and 3k UR but would get me most of the way there on my minimum spend for the IBP.

Option 2 is obviously the biggest amount of points but Iím worried about Chase flagging me and it causing problems with my account. I would space out the card purchases (Staples only allows $2k per day), but still. Option 1 is a little less risky and gets me my signup bonus immediately. The other options donít seem as attractive but I wanted to make sure I wasnít missing something.

Thoughts?