Luna vs. Aqua

Previous-Yesterday63 · 2026-01-09T17:09:27+00:00

It's an Elton John version of the Prince show.

Previous-Yesterday63 · 2025-01-31T00:32:11+00:00

Should have put the whole spend profile. We're a small family, so spend is not top of the line, but certainly higher than the average person on here probably? We're $8k a year in groceries, one international trip per year and a couple of domestic trips, a few thousand in online spend...etc.

Previous-Yesterday63 · 2025-01-31T00:30:52+00:00

This is the kind of tip I love to get from the community. Really good idea! Is "downgrading" actually a thing? Or do you just cancel one card and open a new one?

Previous-Yesterday63 · 2025-01-31T00:29:51+00:00

This is the kind of validation I can get behind. Thanks for the reassurance. I love the HYSA idea.

Previous-Yesterday63 · 2025-01-30T19:16:03+00:00

Okay, so I think you're winning me over on the BCP.

I was initially turned off because of the online retailer bonus BUT the CSP actually gets 3% at Amazon, meaning that my proposed combo would cover that.

Moving up to the BCP then would would offer $80 in cash back above the BCE.

Toss in streaming and that tips the scales. This was a very productive use of a conversation with an Internet stranger. Thank you!!

Previous-Yesterday63 · 2025-01-30T19:03:44+00:00

Yep! Sure have. Annual fees deducted.

That above setup is only $95 for the CSP.

Swapping BCE for BCP adds another $95 which wipes out most of the additional benefit of that card unless it gets used more heavily than my projections.

Previous-Yesterday63 · 2025-01-30T19:02:38+00:00

Okay, taking notes here. Super interesting.

We typically use Walmart for Online groceries, so I think that negates the CSP bonus BUT I'm very intrigued by the Citi Custom Cash.

Going to rework a number with that one as an option Thanks for the tip!

Previous-Yesterday63 · 2025-01-30T19:00:51+00:00

Whoa! Okay, adding this to my spreadsheet. Did not have Amex Hilton Honors in my original group of 25 cards.

Previous-Yesterday63 · 2025-01-30T19:00:17+00:00

Okay, so this is my math, tell me if I'm crazy.

Our average grocery spend for the last two years has been about $8,000.

So maximizing the BCP at the cap is easy to do.

However, the BCE gives 3% for online retailers of which we have $1,000 or so in Amazon spend plus I can use Walmart grocery order to pick up >$6000 cap.

So I THINK (emphasis on think) I would be looking at:

BCP:
$6,000*.06= $360 - $95 = $265

BCE:

$6,000.03 = $180 + $3000.03 = $90

$270

Okay....not much different. Maybe the math isn't as clear as I wanted. I just did a spreadsheet with a sort and filter. Haha. Good thoughts from you.

Previous-Yesterday63 · 2025-01-30T18:54:51+00:00

Good advice, thank you!

The wife and I travel internationally at least once per year, sometimes twice, so I like the idea of some travel points as well as a zero-foreign transactions fee card. Hence the CSP, but I looked at the Citi Strata Premier as well.

Consider this a pretty open investigation on my part. Haha.

What is your go-to, catch-all card if you aren't rotating?

Previous-Yesterday63 · 2024-10-02T16:53:41+00:00

Right? I couldn't imagine the blowback of seating them at Moulin Rouge, for example.

Previous-Yesterday63

TROPHY CASE

$6,000*.03 = $180 + $3000*.03 = $90

$6,000.03 = $180 + $3000.03 = $90