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Capital One Savor. I think 4% cash back on restaurants. The annual fee is worth it in my case.
Enthusiast
The two Chase sapphires & Amex gold/plat all have better dining rewards than Chase flex or BoA
Yea I thought about the dining credits. But the app itself costs more lol. I don’t usually order there. Otherwise would work out fine
With CSR, you get 3pts/$1, but cash out at a 50% bonus. That’s 4.5% back. You need to look at earn and burn value.
The fee is $450 - $300 travel credit (includes groceries now) - $60 door dash - 1x/5yrs global entry fee - peloton or other credits. So. $90 a year without peloton. It pays for itself for me, many times over.
Yea that’s my thought on BoA...I currently have 3%x1.5 at 4.5%....will hit 5.25% at some point....if that’s the case I feel BoA will be better? I’m just not sure if chase ultimate points will worth more than boa at that stage haha
Chase sapphire reserve errday
Pro
In a vacuum, for any particular category, our Cash Rewards card in the top rewards tier is a winner.
If trying to maximize every benefit across multiple categories, you should have like 5-6 cards and use whatever gives you the most benefit.
yea I saw it too. I’m not a frequent traveler so the Cash Reward works better on me. Default 3% increase to 5.25% haha
Also, OP how did you qualify for preferred rewards? I’m assuming it was investing through Merrill vs. keeping cash in savings?
Been wondering if it’s worth investing with Merrill just to get preferred rewards. I use Fidelity right now
yea ETF I’m know. I was hoping free trade on mutual fund haha. Thanks though