For February, I didn't add any new cards to my collection, so I'm finished with meeting minimum spend for now.
I'm still working on maximizing the Chase Freedom categories for Q1 2018. I plan on utilizing mobile pay for most of my purchases whenever possible.
Gas stations usually have a gift card section where you can purchase Amazon.com or restaurant gift cards. If I still have room for purchases next month, I'll most likely purchase Amazon.com gift cards.
Don’t have the Chase Freedom? Use our referral link to start earning 5x on select categories: https://www.asksebby.com/chasefreedom
Chase Sapphire Reserve
The Chase Sapphire Reserve is my go-to for dining this quarter. I plan on taking a few trips towards the end of the quarter, so I'll be using the Chase Sapphire Reserve for the travel credits and trip protection.
Interested in the Chase Sapphire Reserve? Use our referral link to support the blog: https://www.asksebby.com/csr
American Express SPG
The Amex SPG card is my catch-all card for everything else.
Why SPG instead of a Freedom Unlimited?
- CFU = 1.5x everywhere * 2 CPP = 3% return on spend
- Amex SPG = 1x everywhere * 3 CPP = 3% return on spend
The return on spend with the Chase Freedom Unlimited is effectively the same as the Amex SPG card. My plan is to have more transactions to increase my chances of getting a retention offer.
The Amex SPG might be discontinued later this year, so be sure to grab the 25,000 point signup bonus while you still can.
Get the Amex SPG before it's too late: http://bit.ly/asksebbySPG
If you’ve had the U.S. Bank Altitude Reserve Visa Infinite card for over a year, you might be eligible for a retention offer.
Expected value is a term I use often, and the idea is that you want to analyze the costs, risks, and benefits of a situation and take the path that will give you positive expected value.
How to stay at the Park Hyatt Maldives Hadahaa for "free."
Chase IHG sends out upgrade offers, earn 6x AAdvantage Miles on Apple purchases, Delta flash sale, pay rent with a credit card, and more.
American Express offers are targeted deals you can find when you login to your American Express account. Save on car rentals, Hilton, Wynn, Stitch Fix, and more.
Square Cash is a peer-to-peer payment app similar to Venmo, and they recently launched a new rewards program called Cash Boost.
With Cash Boost, you will receive instant cash back when you use your Cash Card at a handful of retailers, along with coffee shops. You can only select one Boost at a time, and Boosts can be swapped every 24 hours.
Credit card utilization is one of the biggest factors impacting your credit score that you can control. By keeping utilization low, you can increase your score quickly.
Timeshares are usually an arrangement for you to purchase a share, or a piece, of a resort (sometimes access to a portfolio of properties) to use at least once a year. Here are four reasons why you should not purchase a timeshare.
The Bank of America duo consists of the Cash Rewards and either the Travel Rewards or the Premium Rewards card. If you have over $100k in assets with Bank of America banking or Merrill Edge investments, this set up is worth considering.
You can add up to 99 authorized user Gold cards for free if you have the Amex Platinum. Here’s a rundown of the benefits of the Gold card and FAQ’s.