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your HSA or FSA card
Dont spend your HSA. Invest it and let it grow... just keep your medical receipts so you can get reimbursed later AFTER the fund has grown
See if you can get the 100k or 125k Amex plat offer through card match.
Try doing the incognito method at the top of the hour
Best return for something defined like this is probably combining a signup bonus and a 0% apr promo. Amex BCP maybe. $300 signup bonus, plus 1% rewards. 0% APR for 12 months (so drop the cash into something else for a year and earn a return on it). No annual fee for first year.
Getting a new card is always the best but you could also do that at anytime even with out the 6k in extra spend (assuming you can spend 3-5k in 3 months from normal spend). People that say citi double cash have no idea what they are talking about. Of the cards you have I’d use your CFU @1.5x the. you can transfer the points to your CSR and use the pay yourself back feature at another 1.5x for a minimum return of 2.25 (higher than the citi double cash). There are some more advanced strategies but that’s probably your best return on non category spend unless you have a big relationship with BoA
Or spend $1k and fly to Mexico, get lasik there, take a week long vacation, and still save 4 grand
Citi double cash + citi premier or Amex BBP if you qualify
Blue business plus or citi double cash