Any recommendations welcome but probably too many now. Changed it up as about to cancel csr.
Only carry smartlyv1goodnerf, something for gas, and bofa pre. P2 does most groceries.
Utilities/Internet : 5% on usbank cash and elan max cash
Groceries 5% (teens and dont eat out much when at home) : bcp1(use hulu disney credit), bcp (p2), aaa daily (p1 and p2).
Online shopping : CCR 1 at 5%, Chase prime at 5%
Gas : CCR2 at 5%, Citi custom cash if needed.
Catchall: BofA PRE at 2.6 percent, USB Smartly at 4% (good nerf)
Random business cards : citiaa as bag fees cover fee. Bbp which gets minimal use.
Sockdrawered or minimal use: wf cash, wf propel/autograph, citi double cash, cap1 savor, discover, Cfu, og cfreedom, fidelity 2 percent, marriott/spg amex (generally can use free night which covers annual fee).
Oh well, csr messed it up some but that's where it ended. Obviously many of these like propel, discover, and spg are old.
An overoptimized setup but got here over years
byu/drinkingmonkey12 inCreditCards
Posted by drinkingmonkey12
3 Comments
Chase Ink Cash.
How much would you be leaving on the table if you used the Smartly for everything except excluded categories and foreign transactions, and the PRE for the rest?
Very similar to the set up I’ve made myself over the last 6 months! I noticed you should be getting 6% for groceries on BCP but you wrote 5%? In my case I use my PayPal debit for 5% on groceries (and don’t have the BCP) but I use my US Bank Cash + and citi CC cards just like you.