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
How do Chase credit cards stack up against each other? Ask Sebby ranked every Chase credit card on the market based on intro bonus, year 2 viability, and product change options.
Chase Offers are targeted deals that you can find in your Chase account. Add the deal before you make a purchase and earn statement credit.
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The cards in my wallet rotate each month depending on if I open a new card or what my spending habits will be. Before we dive into what’s in my wallet, we want to say a huge THANK YOU for 100,000+ subscribers on YouTube!
Before applying to Chase credit cards, it’s important to understand the rules for applications (2/30 Rule), eligibility (5/24 Rule), and bonuses (once every 2 years).
American Express offers are targeted and vary based on the Amex credit card you have. Login to your account and scroll down to find them. Be sure to click “Add to Card” before you make the purchase, or the offer will not apply.
It’s recently come to light that Hilton Honors accounts are being hacked, and the stolen points are being used for purchases on Amazon. Hackers are breaking into Hilton accounts, linking it to an unaffiliated Amazon account, and then redeeming HHonors points for purchases.
The one year anniversary of the revamped American Express® Gold Card is quickly approaching, and people are starting to wonder if they should renew their card membership for another year.
A handful of travel companies have partnerships with the Lyft. Maximize each ride by linking your respective accounts and earn points whenever you take a Lyft.
The best travel credit cards that offer a $500+ signup bonus and have a no annual fee product change/downgrade path after the first 12 months.