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Thoughts on the new Chase Freedom Flex?
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ABC
Always be churning
I'm only ever putting spend on the card I just opened for a bonus
I see it as a fun game, so I remember them all. Including the rotating categories and targeted offers. Believe there are apps that let you know which card to use.
For most people, you're fine just using a simple Chase tri/quad-fecta and/or a Cap One duo.
But as already commented above, churning is way more lucrative than chasing an extra 2% here or there.
This is what I keep in my Notes:
Flights: 3% Amex Gold or 5% thro Cap One Travel
Dining: 4% Amex Gold
Supermarkets (not Costco): 4% Amex Gold
Groceries: 5% Freedom
Gas: 5% Citi Flex
Marriott Hotels: 6% Marriott Boundless
Other Hotels: 10% thro Cap One Travel
Drugstores: 3% Freedom Unlimited
Everything else: 2% Venture X
Max rewards app
There are stickers you can put on your card. Google credit card point stickers.
Pro
Exactly this. I label my cards. I also only add cards to online accounts that maximize my posts when I shop there.
MaxRewards is pretty solid
I just have it memorized honestly. I like number and math. Cards I’m not actively using go in a binder (say freedom flex when not in use).
I’m a mom of 4 with a career, my brain doesn’t work like that anymore 🥴