The cards in my wallet rotate based on 5x categories and if I need to hit minimum spend on a new credit card.
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Chase Sapphire Reserve
The Chase Sapphire Reserve is my default card when it comes to dining expenses because it earns 3x points.
Ultimate Rewards points value:
- Cash (1 CPP) = 3% Return on spend (ROS)
- Travel portal (1.5 CPP) = 4.5%
- Transfer partners (2+ CPP) = 6%
For Q2 2018, the Discover It card earns 5% cash back on grocery stores on up to $1,500 in purchases. Be sure to login to your Discover card account and activate the bonus.
Amex Hilton Ascend
A new addition to my wallet is the Amex Hilton Ascend card. My plan is to meet the additional $15,000 in spend to earn a free weekend night.
Since rent is high in San Francisco, I plan on using Plastiq to pay my landlord.
If you're interested in using Plastiq, they're currently running a 2% fee promotion for AskSebby subscribers when they make a rent or mortgage payment using the following link (new accounts only): http://bit.ly/plastiqpromo. Learn more about the promotion in this post.
- Spend for free night = $15,000
- Spend I was already going to do = $3,000
- Additional spend for free night = $12,000
Cost of Spend
Assuming it was spend I would have otherwise done anyways:
- $12,000 * 2% in fees = $240 in fees
We compares EVERY American Express SPG and Chase Marriott credit card that’s available on the market. Compare the Amex SPG and Chase Marriott annual fees, free night certificates, and spending multipliers.
If you have at least $400 dollars in your checking account and use it frequently, you’re likely to see a credit score increase with the new Ultra FICO score.
Discover It recently announced all of their 5% cash back categories for 2019.
American Express product change and downgrade paths. Downgrading a card is ideal to keep your credit history alive since you’re not canceling the card. I usually recommend doing this after having the card for 12 months if you’re not getting positive expected value in the second year to keep a good relationship with American Express.
American Express has an elusive gift program where they “spontaneously” send Amex Platinum members a gift. It’s not clear who qualifies for gifts or how American Express chooses to send them out.
One of the “secret” perks that the American Express Platinum card offers cardholders is VIP treatment at select events. If you’re attending a Lakers, Clippers, or Kings game at the STAPLES Center, you can access the Centurion Suite.
The Residence Inn and the Courtyard by Marriott at L.A. Live are a great free night redemption if you’re planning on staying in Downtown L.A.
The Citi Prestige is getting revamped in 2019. The Points Guy officially announced the upcoming changes yesterday that will take place September 2019. The card was recently taken off the market for new applicants in August 2018, and it’s unclear when in January 2019 it’ll be reintroduced.
Los Angeles International Airport (LAX) has a few Delta Sky Clubs where you can find snacks, select complimentary drinks, and showers. The largest Delta Sky Club in LAX is located in Terminal 2. There are additional (smaller) Delta Sky Clubs in Terminal 3 located above the food court.
Amazon Cash Get $10 when you add $40, Delta SkyMiles Deals, earn more UR points at ATL and CLT.