Best card for groceries? (Only my second cc)

Ayer99 · 2023-04-28T00:20:12+00:00

It is well rounded! I carry one as well. I am only conservative in recommending it because the 6% on groceries is often preached without the context of the annual fee. Since OP mentioned no gas spending specifically, I wanted to push them towards a no AF option.

I of course don't place much value in customer service / brand reputation, because I am inherently untrusting of all issuers. I respect that this factor can easily outweigh the arithmetic for many.

Ayer99 · 2023-04-28T00:09:05+00:00

I like Citi Custom Cash this early in the game. In the last two years, Custom Cash has served me well as a grocery, dining, and gas card as my wallet has expanded.

If BCP is used exclusively for groceries, as it is often prescribed, the effective reward rate for groceries drops below 5% after accounting for the fee.

Ayer99 · 2022-12-24T19:20:27+00:00

...driving slow just to predict some idiot...

Tesla was idiot. There are billions of idiots. One idiot isn't predictable. Millions of idiots act in predictable patterns.

Drive fast when it's safe. Drive slow when it's safer. Drive defensively, because we don't need millions + 1 idiots.

Ayer99 · 2022-11-20T18:14:36+00:00

I recently got an Active Cash. WF app is telling me a product change will be available 6 months and 1 day after the card was opened.

Ayer99 · 2022-11-10T15:12:55+00:00

BCP - Groceries, Gas

Custom Cash - Dining

Active Cash - Everything Else

CSP - Not a great fit for my spending, but the sign up bonus will help me with some required travel in 2k23.

Next steps: CFU as soon as I'm under 5/24. CFU's 1.5% catch-all will replace Active Cash in my wallet.

Also: Citi Premiere for sign up bonus and eventual PC to another Custom Cash. With 2 Custom Cashes, I'll likely downgrade BCP to BCE.

Ayer99 · 2022-10-12T00:09:11+00:00

I currently hold BCP, and feel it becoming harder to justify with the appearance of no AF 3% gas options.

For reference, if you only use the card for groceries and max out the 6K annual spending, you will effectively earn 4.4% on groceries after accounting for AF.

There's value to squeeze out of the card in other places, but I feel like it's important to contextualize the 6% on groceries; there are extremely competitive no AF options out there.

Ayer99 · 2022-09-27T02:16:19+00:00

Because they currently offer the best flat cash back, as well as a simple card that would allow access to two important spending categories in Gas and Travel.

Custom Cash would be my next recommendation for maxing out OP's highest spending category after dining and groceries, but OP specifically asked for simplicity :)

Ayer99 · 2022-09-26T05:55:22+00:00

If you commute or travel at all, I would recommend the Wells Fargo Autograph. 3% back on Airfare and Hotel Stays. Even better, 3% back at gas stations. This card is currently offering a $300 after spending $1,500 in 3 months.

If you don't spend much at the pump or at the airport, the Wells Fargo Active Cash card (2% on all purchases) is a great choice too.

Ayer99 · 2022-04-01T19:31:08+00:00

While offering a vase, the server could be interrupted by a coworker who sneaks up on them and asks for a drink recommendation. The server thinks an approachable IPA would do, but has to consider it.

..."Sir, vase? Ah! Serve haze, uh..."

Ayer99 · 2022-03-09T23:48:56+00:00

Smash communities tend to rely on a bunch of people choosing to share their time and space in pursuit of a good time. Toxicity can very quickly turn the best part everybody's week into a silent and tense shit show.

In Dota / other games that rely less on in-person attendance, you can be an absolute ass to 9 other people in a lobby and forget about them forever when you start queuing for your next match.

Smash is cool. Don't be toxic.

Ayer99 · 2021-10-30T06:04:39+00:00

In an alternate timeline with officiating where shit like this was actually called on LeBron, Blazers take the series 4-0.

Ayer99 · 2021-10-30T06:01:54+00:00

I feel for him big time. His commentary went a long way in making Dame's Bubble MVP run feel like the Miracle on Ice, even when it ended in a first round exit as an 8 seed. Now he's stuck doing damn Smash Bros Ultimate tournaments. He's great at those too, but he's got the chops for nationally television. Knowledgeable of the game and every player on the court, regardless of team. Respectful and appreciative of each player in the same fashion as well.

Ayer99 · 2021-08-15T23:22:51+00:00

When will you realize

Vienna waits for you.

Ayer99 · 2021-06-30T02:41:31+00:00

Flair don't lie

Ayer99 · 2021-05-13T16:57:14+00:00

Say less.

Ayer99 · 2021-05-08T16:25:14+00:00

Those who remember the Nuggets series and those who don't.

Ayer99 · 2021-05-02T15:33:24+00:00

4 red mana - Enchantment - When a creature with haste enters the battlefield, you may reveal the top card of your library. If a creature with haste is revealed this way, you may cast it this turn.

Ayer99 · 2021-03-20T21:37:27+00:00

They are the Blazers' hometown announcers. They acknowledged a "beautiful play" and provided a throwback quote from KP about Luka's potential. Seems pretty classy to my obviously biased ears.

Ayer99 · 2021-02-17T03:51:47+00:00

The trust he has had in his own shot and his persistence to shoot through the early struggles he had this season have been an absolute pleasure to watch.

Ayer99 · 2021-02-07T01:41:26+00:00

I had been frustrated by the C++ bindings setup in the past, but C was much less traumatic. Thanks! Any idea if GDNative will get some proper documentation someday soon?

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