The cards in my wallet rotate based on 5x categories and if I need to hit minimum spend on a new credit card.
You can view credit card offers by going to the "Credit Card Offers" tab. Find offers for the respective cards in "Point Rewards Credit Cards" and "Hotel Credit Cards." You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!
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
The Federal Reserve met earlier this month and reduced the Federal Funds rate by 0.25%. Reducing the rates resulted in a decrease of APY for high-yield savings and checking accounts across the board. Compare high-yield saving account rates.
Amex deals can be found after logging into your American Express online account. Scroll down to find targeted offers. To redeem an offer, be sure to click “Add to Card” before making the purchase.
The Chase IHG Rewards Club Premier card has a 80,000 point signup bonus and gives you a free anniversary night. Here's our review.
For a limited time, select American Express co-branded credit cards have increased offers for August.
The American Express cash back trifecta is a combination of cards that compliment each other’s point multipliers.
Best and worst Chase business credit cards. Business credit cards can be a great way to earn additional points on purchases you’re already making. Depending on the credit card, spend multipliers can include social ad spend, gas stations, restaurants, and office supply stores.
July Recap: Citi Removes Benefits, Changes to Amex Airline Credit, Equifax Settlement, and Capital One Data Breach
Plastiq is a service that lets you pay virtually any bill with a credit card. There is a 2.5% flat fee for all transactions, and there are a few payment type restrictions for each various credit card issuers.
Plastiq is a service that lets you pay merchants and bills with a credit card for a 2.5% fee. They’re currently running a promotion for new small businesses to earn $4,000 in fee-free dollars when they sign up through this link and verify their business with a representative.
A lot of our subscribers have both the Chase Sapphire Preferred or Chase Sapphire Reserve, and the American Express Gold Card. Is it a good strategy to have both cards?