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For PwC fishes who left recently, how did you consolidate wealth builder into 401k within benefits express to avoid the 20% federal tax withholding that was described in the benefits package? I tried to do this online but it didn’t show as an option except to rollover to an existing IRA or take a final distribution. Do I need to call benefits express?
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Additional Posts in All things points
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Thoughts on the new Chase Freedom Flex?
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Rising Star
There are links to Chase Freedom Unlimited/Flex for 10x on groceries for the first 12 months. I would do that and then transfer points to Hyatt or whatever. Grocery is a Q2 category, so you'd get 14x on the Flex, but that ends this month so idk if you'd make much use of that.
Amex Blue doesn't make sense given the annual fee imo. At your spending, you're getting the same return as a free card like the Savor One.
I'd get the Freedom Flex for the 10x groceries and then round out your Chase cards with a Sapphire for transfer partner access.
Savor One is also a solid card, especially paired with Venture X for transfer partners.
I have all the above and more, so they all have their uses.
I primarily use AMEX Gold, but I hear Savor One is also great if you don’t want an annual fee. Feel free to DM me if you want a referral to AMEX.
I usually use the $20 per month at places where they’re offering deals or promotions for maximum benefit, like buy one get one free. I don’t eat out aside from using this benefit. So technically you’re only paying $10 a year for the card, which is canceled out with the other benefits you get such as 4x points, etc.
Bowl Leader
I used to only use the Bank of America Customized Cash Rewards for 5.25% cash back. No annual fee, but quarterly spend is capped at $2,500. If you will exceed the cap every quarter, you could get multiples of of this card. Only recommend this if you’re a preferred rewards member. I set my category to online shopping & primarily do curbside pick up at Target, Walmart, Sam’s Club, and Whole Foods. If I’m shopping in stores, I try to plan ahead and buy gift card online.
I still do that, but will primarily use the Chase Ink business cash card to buy gift cards at Staples for 5x points and use those gift cards at all stores including grocery.
HEB weekly and every six weeks, a big Costco haul (which I have a Costco card for those purchases & gas).