Venture X – 2x catch-all that focuses on travel and nice anniversary miles and credits..
BCP – 6% groceries (caps a 6k spend), 6% streaming, $120 Disney credit
Citi Custom – 5% dining (caps at $500 spend)
Prime Visa – 5% Amazon
Costco – 5% Costco gas (I almost solely get gas here), 4% gas elsewhere (if needed)
US Bank Shopper – 3% wholesale club (I have high spend at Costco), 6% cashback at Target/Wal-mart
Savor – 3% groceries and dining once the cap is hit
Tell me anything better that isn't just pure preference based..
byu/External_Target2036 inCreditCards
Posted by External_Target2036
2 Comments
No idea what your redemption preferences are, so hard to meaningfully comment.
By the time you eat the BCP AF, not sure you’re really that far ahead relative to Savor other than the Disney+ credit (a version of which BCE has anyway at no AF).
Idk…you are definitely maximizing returns, but redemptions might be a bottleneck. Except for Venture X, none of the others are really transferrable points. Best you can do is just cash back so you’re never going to get > 1ccp for your redemption. And based on your usage outlined above I doubt if a lot of spend is going to be put on the Venture X or Savor given all your needs are being met with the others.
Unless you are planning on getting higher AF cards in future, then maybe it’s a different story. But even then you are putting eggs in all the baskets, literally lol – Amex, Citi, Cap1, Chase.
But if you are prioritizing cashback, you can simplify your setup greatly by just going with a Robinhood Gold with the 3% catch all.