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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), Amex BCP (3%), Ink(2x UR), 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 (5× TY) or Premier (3x TY)
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 - citi rewards+
Entertainment (Movies, Broadway shows, Concerts etc)- Citi Prestige or Premier or Forward (2x TU)
Phone,cellphone,internet - Ink (5x)
« Last edited by qooldude on June 24, 2022, 12:31:18 PM »

Author Topic: Which is the best card to use? *Master Thread*  (Read 183620 times)

Offline srap

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Re: Which is the best card to use? *Master Thread*
« Reply #500 on: September 01, 2021, 11:32:22 PM »
For Insurance:  Are there any offers out there (Amex, Chase, PayPal, etc) that give more than 5%? (VGCs can get that through Ink)

Offline thaber

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Re: Which is the best card to use? *Master Thread*
« Reply #501 on: October 26, 2021, 11:08:03 AM »
Hyatt card or CSR at Hyatt hotels? (currently 10 CSR points per dollar on hotels and car rentals, but I think only if booked through UR, which mine is not, so 3 points per dollar)
« Last Edit: October 26, 2021, 11:17:13 AM by thaber »

Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #502 on: October 26, 2021, 11:15:27 AM »
Hyatt card or CSR at Hyatt hotels? (currently 10 CSR points per dollar on hotels and car rentals so seems a no brainer, am I missing anything?)

Keep in mind that the Chase Sapphire Reserve only awards 10 points per dollar on hotels and car rentals booked through the Ultimate Rewards portal

If you’re looking to book direct with the airline or hotel you’ll earn 3 points per dollar on those purchases.


Offline thaber

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Re: Which is the best card to use? *Master Thread*
« Reply #503 on: October 26, 2021, 11:18:13 AM »
Keep in mind that the Chase Sapphire Reserve only awards 10 points per dollar on hotels and car rentals booked through the Ultimate Rewards portal

If you’re looking to book direct with the airline or hotel you’ll earn 3 points per dollar on those purchases.


thanks just realized that and modified my Q.
booked with points, and expecting significant incidentals (kosher food etc.)

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Re: Which is the best card to use? *Master Thread*
« Reply #504 on: October 26, 2021, 11:34:06 AM »
Best card for unlimited groceries?
Only on DDF does 24/6 mean 24/5/half/half

Online Euclid

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Re: Which is the best card to use? *Master Thread*
« Reply #505 on: October 26, 2021, 11:43:38 AM »
Best card for unlimited groceries?
How much is unlimited?
Freedom Unlimited 5x groceries first year, limit $12k
Amex Platinum Resy is 500,000 MR for $25k spend at small business/restaurant - so you can buy groceries at a small grocery (check Amex site for Small Business designation)
Amex Plat had 10x on groceries for first 6 months - not sure if that offer still is around

Offline ushdadude

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Re: Which is the best card to use? *Master Thread*
« Reply #506 on: October 26, 2021, 11:44:15 AM »
fidelity amex 2%
priceline visa 2%

those two are the best cashback cards for things which dont qualify for any extra percentages from other cards. eg. other card might have 5% for restaurants or something. However sometimes certain categories arent eligible for anything. in which case the above 2 cards are terrific.


I just got fidelity card and have it go into my brokerage account. forced savings

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Re: Which is the best card to use? *Master Thread*
« Reply #507 on: October 26, 2021, 11:45:24 AM »
How much is unlimited?
Have a few OBC that are 50k/yr and they don't last a month.
Only on DDF does 24/6 mean 24/5/half/half

Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #508 on: October 26, 2021, 11:45:55 AM »
Best card for unlimited groceries?

If you highly value AA miles then the MileUp card could be a dark horse candidate since it earns unlimited 2x at grocery stores (and with the massive changes announced today 1x of those miles will now count towards AA Elite status)

Offline farmbochur

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Re: Which is the best card to use? *Master Thread*
« Reply #509 on: October 26, 2021, 11:46:02 AM »
Best card for unlimited groceries?
3x TYP on Citi Premier
Risk is opportunity

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Re: Which is the best card to use? *Master Thread*
« Reply #510 on: October 26, 2021, 11:47:31 AM »
Have a few OBC that are 50k/yr and they don't last a month.
OBC?

Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #511 on: October 26, 2021, 11:52:47 AM »

Offline thaber

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Re: Which is the best card to use? *Master Thread*
« Reply #512 on: October 26, 2021, 11:53:02 AM »
Best card for unlimited groceries?
and the AMEX everyday preferred gets you 3x up to 6k plus a 50% bonus

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Re: Which is the best card to use? *Master Thread*
« Reply #513 on: October 26, 2021, 12:18:26 PM »
If you highly value AA miles then the MileUp card could be a dark horse candidate since it earns unlimited 2x at grocery stores (and with the massive changes announced today 1x of those miles will now count towards AA Elite status)
Not big on airline miles. UR/MR/TYP would work.
Only on DDF does 24/6 mean 24/5/half/half

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Re: Which is the best card to use? *Master Thread*
« Reply #514 on: October 26, 2021, 12:21:14 PM »
3x TYP on Citi Premier
No cap? If not this looks like a winner especially getting 1.25-1.3 for TYP.
Only on DDF does 24/6 mean 24/5/half/half

Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #515 on: October 26, 2021, 12:22:48 PM »
No cap? If not this looks like a winner especially getting 1.25-1.3 for TYP.

Correct, no cap.

Offline farmbochur

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Re: Which is the best card to use? *Master Thread*
« Reply #516 on: October 26, 2021, 12:25:54 PM »
Without question, it's the winner once you've maxed out bonus earnings on other cards... until they shut you down. I lasted ~3 years.
Risk is opportunity

Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #517 on: October 26, 2021, 12:27:17 PM »
I don't have any personal experience with this one but I believe the Capital One SavorOne Cash Rewards also offers 3% cashback on groceries with no cap

Offline farmbochur

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Re: Which is the best card to use? *Master Thread*
« Reply #518 on: October 26, 2021, 12:27:57 PM »
No cap? If not this looks like a winner especially getting 1.25-1.3 for TYP.
Should be able to get 1.4-1.5 when brokers find ua biz award space ewr-tlv.
Risk is opportunity

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Re: Which is the best card to use? *Master Thread*
« Reply #519 on: October 26, 2021, 12:31:15 PM »
Without question, it's the winner once you've maxed out bonus earnings on other cards... until they shut you down. I lasted ~3 years.
Shutdown from cycling credit line?
Only on DDF does 24/6 mean 24/5/half/half