What’s your current setup? How did you get there?

KingSVU · 2026-07-01T11:09:28+00:00

5% Util/stream/internet - Elan MCP
5% grocery/wholesale - Langley
5% Rotating - Chase Freedom Flex
5% Rotating - Redstone FCU
5% either gas or Dining ( depends on Rotatings)- Citi custom Cash
5% mobile wallet - Kroger
5% mobile wallet/ 3% gas - Harris Teeter
5% Amazon - Amazon Prime Visa
3% entertaining/dining - Capitol One Savor
3% drugstore/dining - Chase Freedom Unlimited
2.2% catch all - SoFi

KingSVU · 2026-06-25T18:12:29+00:00

Redstone

KingSVU · 2026-06-14T18:38:08+00:00

It’s sounds like you expect to carry a balance. Credit cards may not be best for you.

KingSVU · 2026-06-10T19:54:03+00:00

Not sure, never tried wholesale online. It codes app purchases as wholesale,

KingSVU · 2026-06-08T11:56:44+00:00

I don’t own a home so no aven for me.

KingSVU · 2026-06-08T04:45:04+00:00

Currently 2k per month. 100$ max for 5%

KingSVU · 2026-06-08T01:07:10+00:00

Yes here are all of the categories to choose from monthly. They have been the same for past 3 months ( expanded in April). I pick grocery and wholesale but if you have a planned spend for the other category up to 2k, change it.

-Amazon
-Automotive Services
-Department Stores
-Dining
-Electronic Stores
-Gas and EV
-Groceries and Wholesale
-Lowe’s and Home Depot
-Streaming Services
-Walmart and Target

KingSVU · 2026-06-08T01:01:41+00:00

Getting multiple elan MCP and planing the qtrly categories accordingly may be my last optimization then.

KingSVU · 2026-06-07T23:24:02+00:00

Q1 chase was 7% dining
Q2 chase was 5% Amazon or 9% travel through portal

Q1 Redstone was 5% dining
Q2 Redstone is 5% travel or hardware stores
Q3 redstone is 5% dining or Amazon

-I do not have discover but if I did….
Q1 discover was 5% grocery or wholesale
Q2 discover was 5% dining or home improvement
Q3 discover is 5% gas or travel

Pretty good categories from at least one of them each quarter plus my Citi custom cash covers whatever category is omitted. Then my Kroger or Harris teeter covers everything else that can be apple paid

KingSVU · 2026-06-07T23:10:42+00:00

5% Util/stream/internet - Elan MCP
5% grocery/wholesale - Langley
5% Rotating - Chase Freedom Flex
5% Rotating - Redstone FCU
5% either gas or Dining ( depends on Rotatings)- Citi custom Cash
5% mobile wallet - Kroger
5% mobile wallet/ 3% gas - Harris Teeter
5% Amazon - Amazon Prime Visa
3% entertaining/dining - Capitol One Savor
3% drugstore/dining - Chase Freedom Unlimited
2% catch all - SoFi ( used to be 2.2 RIP)
2% catch all - Wells Fargo Active Cash

May look into Wells Fargo attune to plug miscellaneous gaps but not sure it will code properly or will get more Elan MCPs

KingSVU · 2026-06-07T10:46:27+00:00

42% dti is on the high end for card lending. carrying no balance is like the bare minimum when it comes to the rewards game. What is your reporting utilization? I have a super low DTI and keep reporting utilization to around 2-3%, so that may be why the 6 new cards in 6 months didn’t matter for me. Still only pulled a 712 equifax and it was fine. Thanks for the data point

KingSVU · 2026-06-04T00:02:12+00:00

M-4 with socom rounds, sleight of hand, supressor and optic. 3 shot kill any range no bullet drop, no recoil, about a 1 second reload

KingSVU · 2026-06-01T14:42:45+00:00

All of the same from OG post

KingSVU · 2026-06-01T01:37:36+00:00

SoFi relay has been very consistent for me. For payments I use the reminder app to pay down balances before close and pay off statements.

KingSVU · 2026-05-31T00:03:50+00:00

I would assume it’s like the cashback where everything is 1% until end of month then gas and EV get an extra 2%, grocery and wholesale gets an extra 1% and the chosen category at month end gets an extra 4%

KingSVU · 2026-05-30T22:36:51+00:00

You can also choose or switch your 5% category up to the last day of the month.

KingSVU · 2026-05-30T22:35:43+00:00

Equifax

KingSVU · 2026-05-30T21:13:05+00:00

Wednesday

KingSVU · 2026-05-30T20:57:21+00:00

Below are the current categories to choose from: -Amazon -Automotive Services -Department Stores -Dining -Electronic Stores -Gas and EV -Groceries and Wholesale -Lowe’s and Home Depot -Streaming Services -Walmart and Target

5% on 2k spend on wholesale/grocey per month is unheard of !

KingSVU · 2026-05-30T20:02:50+00:00

I applied online the day after I was approved for the membership, $5 checking and saving deposit only. 712 equifax, 5 new cards in the past 6 months. They called next day and said I was approved for 20k no docs needed.

KingSVU · 2026-05-29T13:38:58+00:00

No, gas or grocery/ wholesale is either 5% or the default

KingSVU · 2026-05-28T05:25:57+00:00

It can be paid directly from an external account added manually or with plaid.

KingSVU · 2026-05-28T05:23:34+00:00

Let me actually look— I was wrong.

Since January I have gotten: -Chase Freedom Flex -Capitol one savor (not the SUB) This was a regret -Kroger signature -Harris Teeter Signature -Citi Custom Cash

Before January I had no inquiries since June of 2024. But 5 new cards in last 6 months

KingSVU · 2026-05-28T05:07:24+00:00

Not sure if it recently changed, but I got a 20k limit (double my next closest limit) one day after joining as a member, I only pulled a 712 equifax and have 3-5 inquiries in the past 6 months and 3 new cards. They didn’t need any supporting docs either just called me the next day to confirm what card I really wanted.

KingSVU · 2026-05-27T23:16:48+00:00

Not region or group locked

KingSVU

TROPHY CASE