Spent months optimizing. I know exactly which card hits 5x on groceries, which one to use for gas this quarter, when to switch back, how to stack the credits.
My friend asked me last week why I have eight credit cards. I started explaining and watched her eyes go completely blank within 11 seconds. Just nodded and walked away.
My dad saw me pull out the Amex Gold at dinner and said "why don't you just use your debit card, it's simpler." I closed my eyes and breathed slowly.
Nobody in my real life wants to hear about transfer partners. Nobody cares that I got 2 cents per point on a business class redemption. I tried explaining the CSP to my coworker and he said "sounds like a lot of work to save like $50."
Anyway. How's everyone's lineup looking?
I finally built a card strategy I'm proud of and now I can't explain it to anyone in my life
byu/Unique_Night1895 inCreditCards
Posted by Unique_Night1895
6 Comments
man the “sounds like a lot of work to save like $50” comment hits too close to home lol. tried explaining churning to my roommate once and he just stared at me like i was speaking different language
your dad with the debit card suggestion though… that one hurt to read. mine does same thing, keeps asking why i make everything so complicated when “cash works fine”
got similar setup going but only 5 cards so far. still learning about transfer partners but already see how much i was leaving in table before. friends think im crazy but hey, free flights are free flights right?
what category you focusing most on? groceries seem like easiest place to start for people like us who drive around all day anyway
Then they’ll secretly ask “how do they take all these vacations”.
Lol, yep that sounds like the mediocrity to me.
Currently hold a C1 VentureX, P2 has a Venture and a BofA Alaska Atmos Summit.
Currently pooling miles from both programs together, glad to have the blanket 2x miles on C1, plus the 3x points on the Atmos Summit for FX transactions.
Secured SUBs for both C1 cards, working on the 100k SUB for Atmos.
Will concentrate spend on P2’s Atmos to hit the $60k threshold for the 100k GCA, plus gunning for Atmos Gold when the account anniversary hits next year.
We know your pain 😂
Which card gives 5x on groceries btw? 😄
my coworkers tried to ask me what the best card was like there was some secret card that only unlocks if you know something i was like well it depends, we should talk about what u want from a card and they instantly lose interest
anyway this is my current set up and i dont plan on changing it
venture x
chase flex
wf attune
aaa daily