What’s your credit card lineup/collection?

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Chase Sapphire Reserve, the only one I need

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Reserve has much more benefits and points have 1.5x the redemption rate if used via the chase website. Also has priority pass and global entry, 300 dollar statement credit.

So the real annual fee is like 250 but you get much more value

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Chase Sapphire for dinning & traveling (2%) AmEx Blue Cash for gas (3%) & groceries (6%), capital one platinum for other stuff (1.5%). That way I maximize points.

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If you get groceries and drive it pays for itself easily

Just ran my wedding through a chase sapphire preferred and a Marriott bonvoy boundless. Got my honeymoon like 70% off with free nights and firm discount and have points for honeymoon #2.

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I waited almost a year for the 5 free night Marriott deal. It was so worth it!

I have a USAA 2.5% cash back card I use for most purchases and an AMEX blue cash card that gives 6% on groceries.

I don't really benefit from points so I'm all about the cash back.

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That is true, and I think for the $2500 number you gave that would be about $48 per week in grocery spend. For the other AmEx Blue card with no annual fee, I think the breakeven comes out to spending about $61 per week on groceries. I don’t know many people who could manage below that average for the year, especially if you’re feeding more than one person, so I think it’s typically pretty easy to justify the annual fee.

Citi double cash back (2%)
Victoria’s Secret (~15% in card rewards)

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Those rewards are the best.

Sapphire reserve

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BoA

WF active cash for day to day and WF Propel for my work travel expense rewards. And my target red card that probably gets me the most rewards lol

chase sapphire preferred for most expenses, amazon prime card for amazon purchases (this used to be my primary card before i got the sapphire so may as well keep it), BofA credit card i keep in my car and use for gas just for convenience of not getting my wallet out (1.87% cash back on all purchases)

I would love to know people's thoughts on travel rewards cards? Seems like a round about way instead of doing cash?

Travel rewards + frequent flyer miles + firm travel discounts = real cheap vacations

Costco Visa Card covers most things, 4% back on gas, 3% on restaurants and travel. Then my Amazon card gets me 5% off Amazon and Whole Foods.

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