Planning to spend ~$6k on lasik. What credit card is best for that? Currently have CSR, Chase freedom unlimited, chase Bonvoy, and Amex blue cash. Open to getting a new card

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your HSA or FSA card

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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

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See if you can get the 100k or 125k Amex plat offer through card match.

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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.

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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

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Or spend $1k and fly to Mexico, get lasik there, take a week long vacation, and still save 4 grand

smart

Citi double cash + citi premier or Amex BBP if you qualify

Blue business plus or citi double cash

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