Related Posts
More Posts
EY FAAS vs KPMG AAS, which one is better?
I’ve experienced this!

What's the requirement to travel back to the US?
Hi Fishes, What kind of work is envolved in ReactJS projects in Nagarro? Is it maintenance or Development From Scratch work. Also is it possible for a UI Developer in Nagarro to take up backend development work along with UI? I am currently working as a full stack Python developer and Got an offer in Nagarro as ReactJS Developer. I would also like to contribute in Backend Development as well. Last Ques 😅 - Mid-Product Organization vs Nagarro, Which one shall I choose for UI Dev role? TIA
Joined this week. What can I expect from Mr V
Additional Posts in FIRE Financial Independence Retire Early
My thoughts on the current market.

What do you want to do when you reach FI?
Anyone else into Bank Bonus churning?
Decided to payoff my mortgage.
New to Fishbowl?
unlock all discussions on Fishbowl.




$700 annual fee isn’t really consistent with most versions of Fire.
If you travel a lot maybe you’re making some money back, but it’s likely to be fairly trivial, compared to more traditional FIRE approach of saving close to half your income if possible.
Citi double cash.
I have CSR, it’s $450ish fee but you get $300 back as travel credit. As a city living millennial, pre-covid, travel and dining out were my main habits, and CSR gives 5% cash back on those. Plus if you book travel through the Chase portal, you get additional discount. Plus you get 10% back on Lyft which includes bikes. So for my lifestyle, ~$150 a year fee was quickly made up by all the perks. Also have Amazon credit card (no fee) which gives 5% on Amazon and Whole Foods, and additional discounts at Whole Foods, which I recommend too!
The annual fee is $550, not $450. Travel and dining earns 3% cash back, not 5%. However, using the portal, flights are 5% and hotel/car rentals are 10%.
Venture x, CSP, Marriott bonvoy, Amex
I rotate two high fee credit cards for the past few years. Amex platinum and united infinite. I get the sign up bonus and use the card for the lounge and additional benefits.
I only have $0 annual fee cards, and generally pick up a new 0% card every couple years. Only works if you are disciplined enough that I pay then off in full and never owe interest.
Wells Fargo & BoA have 21 month interest free cards right now.
I gave up all my cards with annual fees. Unless a company will reimburse the annual fee, I prefer cash back cards. I mainly use two different Bank of America cash back cards (one with category tiers and one flat rate). And with the Preferred status I get a multiplier on the cash back (e.g. 5.25% vs 3%).
CSR - although with work traveling slowing this may be the last year I keep it.