Currently, I’ve got CSR, Amazon Rewards, BoA which gives me 3% groceries/4.5% dining, and a 2% from Fidelity. Are there other cards I should have to maximize points (major spends are travel, dining, groceries)? I considered Blue Cash Preferred, but at about $300/month on groceries, I ~break even on the annual fee compared to my BoA card (unless I did my math wrong). CFU seems only marginal benefit if I redeem for travel. Debating if the Freedom Flex is worth for potential of 5% back.

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Don't chase everyday spending categories, chase signup bonuses

My minimum threshold is 10% "return" on my everyday spending through SUBs, usually target 15%

I'd say every 1 to 3 months, 2 months on average.

I can knock out a $5K MSR natutallly in 2 months. If I mix in some manufactured spending, I can hit it in a month.

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