What is the best card for cash back?

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Depends on the category. Citi double cash is 2% everywhere. Custom cash is 5% up to 500$ a month. Freedom unlimited is 1.5% everywhere, Freedom flex is 5x at rotating categories up to 1500. Plus the chase cards have some 3% permanent categories.

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Boa premium rewards if you have over 100k with them. Minimum 2.625% back

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Forgot about this one. This is a great one.

Citi Double Cash or Wells Fargo Active Cash. Choose based on your relationship with either bank. Both 2%.

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Amazon visa card, these days you can buy mostly everything through amazon and get 5% cashback for it with the card. Also whole foods if you care about that. Also has 2% on gas and restaurants which you can’t order through amazon. Majority of my casual discretionary spend falls in these categories so it’s the best single card for me.

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I have multiple Bank of America customized cash rewards cards for 5.25% cash back

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the key is the chase ink cards.. you can earn 500,000 Chase Ultimate Rewards (UR)! Below is the math on how great the Business Ink offers are (and NO - you don't need a formal business!)

Below are the spend requirements:

6000$ spend = 75,000 UR

12,000$ spend= 190,000 UR

18,000$ spend = 315,000 UR

24,000$ spend = 420,000 UR

Spend 12k/24k on office supply categories (gift cards ;)) and that’s an additional 78,000 UR for a total of

498,000 UR points!

More Instructions inside!


Pre Requisites:

1. Be under 5/24- this means you can't have opened 5 personal credit cards int eh last 2 years across all banks!

2. You have a significant other living in the same address that you can refer to open new cards with and combine your points (You can also do this with a friend and just split the points separately!)

3. You need to have a Sapphire Product (either the Reserve, Preferred, or the Business Ink preferred)


Method:

1. Message me for your FIRST Chase Ink Busines Card (CIU or CIC) referral and to answer any and all your questions (I really appreciate it :)). After approved, spend 6k and get your 75k UR

2. Refer your same address significant other to on of the Chase Ink products (CIU or CIC) and have him/her open the card. Spend additional 6k and now you have a total of 190k (75k +75k +40k for referral)

3. Have your significant other refer you back to the chase ink product you don’t have. Spend additional 6k and now you have a total of 310k (75k + 75k + 75k +40k +40k)

4. Refer your significant other for the chase ink product he/she doesn't have. Spend additional 6k and now you hav ea total of 420,000k (75k +75k +75k+40k +40k +40k)

5. Spend 12k of total 24k on office supply stores on the CIC cards (you can buy gift cards here :)). You are at 498,000 points!!!

1 additional note: It may be good to wait 30 days between appplying for the 2nd ink card on the same account. So order could be P1 CIC, P2 CIU, 30 days, P1 CIU, P2 CIC

Bonus:

If you are feeling really bold and ambitious (and you have the spend), you can add in the Chase Ink Business Preferred as well!!! I would wait 90 days after above to do this addition!

15k spend > 140k UR (100k UR + 40k referral ) -95 annual fee

30k spend> 280k UR (100k +100k +40k +40k) - 95 additional fee.

If you spend that 30k on travel only - that’s an additional 90k points!

Total UR opportunity is….almost 900k Ultimate rewards! That could be almost 9 Round Trip business class trips to Europe if you have the SPEND!!

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Citi double cash + custom cash.

just the wrong question- the key to this game is points and bank currencies

what is his monthly spend? i wrote a really big article here about the chase inks .. let me find it

Amex gold

Thank you all!!

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