Credit card 💳 question...thinking of getting:

+ Chase Freedom for 5% on travel
+ Chase CSR for 1.5X multiplier

I am back on the road, so will have more than enough spend to hit the bonus point threshold for both cards.

Any better thinking on how to maximize points/ 💰💰💰?

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Chase Reserve is amazing. Pricey fee but it pays for itself.

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Definitely CSR - it pays for itself. Since I haven't been able to travel for the last year, I've redeemed >$3,200 in rewards for various home improvement purchases at the 1.5x level they're been offering temporarily plus still got the full $300/year travel credit.

Does chase freedom give 5% on travel?

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I don't agree, Accenture 1.

I don't have a travel portal for my work, so I would book through chase, using the chase travel portal on my "unlimited" card at 5% cashback, then transfer the 5% cashback to points at a $1: 100 points ratio (which I can do because I also have a CSR), and get the 1.5X multiplier to effectively create a 7.5% return.

Am I missing something?

smart

Use CSR for travel/groceries at 3x and freedom for everything else at 1.5x. Great combo to rack up points quickly

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Have you considered chase freedom flex? No annual fee and 3% back on dining & drugstore. 5% back on rotating categories.

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