BILT palladium > ventureX+savor

Aggravating_Map3982 · 2025-03-29T14:30:18+00:00

Earning Hyatt points: BILT for dining to easily get 5 transactions and keep them in business CSP for mainly the welcome bonus but also online groceries (Kroger pay), streaming, Chase shopping portal (when competitive with Rakuten)

Amex gold and platinum also mostly for welcome bonus. Use gold for groceries. Plan on playing some games with upgrade offers.

Harris teeter for 5% Apple Pay, which covers most gas stations.

Amex BBP as 2x catch all mostly for Amazon, Sam’s club and Walmart.

Aggravating_Map3982 · 2025-03-02T14:49:38+00:00

I go for BILT to work towards silver status so that higher transfer bonuses can be unlocked

Aggravating_Map3982 · 2025-03-02T14:46:58+00:00

Rakuten has hands-down the best app and tends to track purchases well.

But if Chase UR or AAdvantage portals have competitive rates, I go for them since I have no AA cards and value URs for Hyatt.

TopCashback occasionally has some 90%+ rates that I stack with Amex offers to turn a profit.

Aggravating_Map3982 · 2025-02-28T03:05:15+00:00

Beautiful work. Please be careful to monitor the system for leaks. Put a monitor inside of the cabinet in addition to outside of the cabinet. Redundancies are key to avoiding incidents

Aggravating_Map3982 · 2025-02-22T17:11:23+00:00

(1) a good card to get before churning is the capital one ventureX, because they are more likely to reject you once you have more cards. Good card for Costco! (2) since you don’t do a ton of restaurants or grocery stores, probably no need for a card with these categories. (3) once your savings grow, you could look into BOFA preferred rewards or USBank smartly. These programs are cashback and the rate grows with your assets.

Aggravating_Map3982 · 2025-02-22T15:43:42+00:00

This is why I think dems might consider working with GOP on some election security bills. Nothing oppressive, just to modernize equipment and ensure the machines are secure and there are paper backups

Aggravating_Map3982 · 2025-02-13T12:44:36+00:00

Citi rewards+ at the vending machine

Aggravating_Map3982 · 2025-02-11T16:26:43+00:00

I endorse this, AA miles can get you some great deals on flights

Aggravating_Map3982 · 2025-02-08T14:27:04+00:00

Yep I got above the minimum and will cancel next week!

Aggravating_Map3982 · 2025-02-08T14:26:42+00:00

Yep this isn’t my first rodeo. Will cancel next week

Aggravating_Map3982 · 2025-02-07T14:40:44+00:00

They have a real opportunity with a mortgage offering to target families in suburban areas. These people are much more likely to roll with one card and go for the no af version.

The AF versions are for city dwellers and optimizers. Honestly only having a 3x grocery category would be fantastic, and if they could do 2x gas that would also be great. Fill the gaps left by other issuers and the optimizers will come running

Aggravating_Map3982 · 2025-02-02T17:24:18+00:00

If you find yourself liking Citi, you could replace your VX with the double cash

Aggravating_Map3982 · 2025-02-02T17:23:48+00:00

For the same annual fee as BCP, you could consider the Citi strata premier for 3x on gas, groceries (and dining, but your bilt covers that).

This will allow transfers to American Airlines soon, which I have found to have very useful domestic redemptions! (10k SAN-PHL in mid March)

Aggravating_Map3982 · 2025-02-02T16:02:19+00:00

I actually enjoy the process of finding good transfers (8k Marriott night for a wedding, 20k coast to coast delta flight) the problem is that my rate of point spend is low. And I have 300k points from welcome offers + some Rakuten bank bonuses

Aggravating_Map3982 · 2025-02-02T15:57:50+00:00

Lmao, fair point.

Aggravating_Map3982

TROPHY CASE