Related Posts
Rising Star
Best SPG or Marriott in San Francisco?
More Posts
Oracle India Hi Fishes,
Does anyone can suggest me what to do? I recently joined oracle as a staff Consultant supposed to work as a Java developer but working on their utility framework. I don't have any interest in this. I want to work on Java with springboot development projects.Oracle India
Thank you all for your patience. I do appreciate it. It turns out having a side project while running multiple proposals is a trifle challenging. That said. I’m posting a first subset of the rawish data. In all close to 500 people took the survey, but a majority were from the Big Four. Here is the data from Deloitte, EY, KPMG, and PWC. Insights to come! https://docs.google.com/spreadsheets/u/0/d/1lN6JrxQfvA_MC4XFZ38G0ppQkBuxRv9mf88Y8NE2X2U/htmlview
Additional Posts in All things points
Conversation Starter
Conversation Starter
Any star alliance status match delta platinum?
Why does Newark close tsa pre lanes? Terrible
Best SPG or Marriott in San Francisco?
New to Fishbowl?
unlock all discussions on Fishbowl.
I like your current choice. With the American Express Blue card, you earn 6x MR points up to $6k. If you spend $5.5k annually, you're earning 33,000 MR points valued by TPG at about 2¢ each, or $660.
$660-$95 = $565 net.
With the same spend, the free version of this card would have netted you $330 of MR points (grocery earnings are only 3x), so you're coming out about $235 ahead by sticking with your current choice.
@SPM, the card you are referring to does not earn MR. It earns cash back. $5.5K in annual spend will result in $330 cash back.
330-95 = 235 net
Amex Gold
I use the Uber credit for Uber eats pickup so that’s a free lunch (or at least $10 worth) with no extra fees once a month. I also use the dining credit at the Cheesecake Factory. It says no gift cards under the dining credit but you can buy them in person and they’ll reimburse it ($10 a month). That’s $240 there. This basically makes up the fee for me but may not be worth it for you. It’s 4x back of groceries up to like $25k I think which is way more than I spend. I think it’s worth it but you have to run the numbers for you to see if the annual fee is worth it.
SavorOne is 3% and you can convert them to miles with a venture card as well. Also you can use the Amex credits for Grubhub and Uber eats pickup, if you do takeout. Might not make up for the whole $240, but may give some extra value to make the math work.
Chief
Your current setup likely makes most sense (SPM1 did a solid job assessing it 🤝). I have to gold as suggested previously and find the fee pays for itself if leveraging the credits for takeout options. My spouse and I don’t do much delivery, but will occasionally do takeout and the grub hub + Uber credits cover the expenses we were already making.
But if you’re not in that boat, current setup is pretty solid unless your spending is going to change
I do use amex blue until we max it out and then I use amex gold for the rest of the year. I love amex gold though with 4x on dining and 3x on airport travel and the uber credit (which we use on uber eats) + dining credit (which we use on grubhub) it pays itself off. Would love to give you a referral!
https://americanexpress.com/en-us/referral/VALENMHSZX?XL=MIMCP
Both the Chase freedom cards have a referral intro offers for 5x on gas and groceries. Obligatory “I’m happy to give a referral”
https://www.referyourchasecard.com/18o/TDGV385RUB
Citi Custom Cash gives 5% on 1 category up to $500/month. I put almost $500 on the card every month for grocery store trips.
Note that Costco and Walmart don't count, I have a general cash back card for those
Does Custom Cash work on Costco gas?