Optimizing Card for points/cashback : r/CreditCards - Reddit

Just got my Capital One Venture X recently and am very happy with the card so far so I'm considering of getting the SavorOne so I can get more points to use in Cap1 Portal/transfer out …

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Optimizing The Best Combination Of Credit Cards For Max Rewards

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Chase Freedom Flex (3%) Unlimited. Rotating quarterly categories (Amazon, gas, dining, etc.) Discover It Cash Back (5%) + Chase Freedom Flex (5%) $600 for both cards combined. Large …

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At What Point Does It Make Sense To Actually Start Optimizing For ...

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My parents currently use a single card for everything, even though it only has a flat 2% back. I asked them why they don't try and optimize credit...

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Optimizing Credit Card Rewards - Bogleheads.org

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Dec 3, 2021 · It is up to you to decide how much effort you want to put into chasing credit card rewards. Here is my setup: Amazon Visa card: 5% back on Amazon purchases. Used only for …

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4 Best Credit Card Combinations To Maximize Rewards

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Oct 28, 2024 · Discover it® Cash Back and Citi Double Cash® Card. Doubling up on cash-back credit cards can yield hundreds of dollars in rewards annually. The $0-annual-fee Discover it® …

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8 Strategies To Maximize Your Credit Card Rewards - Forbes

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Oct 31, 2023 · Card Details. Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Earn unlimited 2X …

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Optimizing Credit Cards For Rewards/cashback ~1 Year Later.

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If you’re getting 5% from your BofA Cash Rewards cards then you’re also getting 3.5% on groceries from them (pick one, doesn’t matter which). The one with Dining is the one I put my …

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How To Maximize Your Credit Card Rewards - Money Under 30

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Jun 13, 2023 · 5. Pay your card off every month. Rewards credit cards carry high interest rates of 25% and higher. These rates kick in when you carry a balance and can add up substantially. …

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The Pros And Cons Of Cash-back Credit Cards - The Points Guy

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Oct 28, 2024 · Earn an additional 1.5% on all purchases up to $20,000 spent in the first year. Earn 5% cash back on Lyft purchases (through March 2025) and travel purchased through Chase Travel, 3% on dining and drugstores and 1.5% on all other eligible purchases. Bank of America® Customized Cash Rewards credit card. $0.

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Optimizing, Maximizing, Or Keeping It Simple For Cash Back

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I have a few cards to keep it simple while optimizing: Citi Costco - split with my parents. Mostly use for international car rentals and overseas purchases (no FTF), any tours for 3%, plus the …

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FAQs about Optimizing Card for points/cashback : r/CreditCards - Reddit Coupon?

How do I maximize my credit card rewards?

2. Charge everything (and pay it back quickly) You can maximize rewards by charging all your purchases to your credit card. Rewards cards offer either a set number of points/miles or a percentage of cash back on every dollar spent. So the more you charge, the greater your rewards. ...

Does a credit card have a high cash back rate?

Your primary expenses match the higher cash back categories, such as groceries or gas. Your spending doesn’t line up with the card’s cash back categories. The card provides a low cash back percentage. There are higher rates for the categories in which you frequently spend. The card’s highest cash back rates are in categories you seldom use. ...

Does a credit card offer a low cash back percentage?

The card provides a low cash back percentage. There are higher rates for the categories in which you frequently spend. The card’s highest cash back rates are in categories you seldom use. The card doesn’t charge an annual fee, or the rewards significantly outweigh the cost. The card charges a high annual fee that reduces the value of rewards. ...

What is a cash back credit card?

Instead, these cards offer a defined percentage of cash back for every eligible purchase. For example, a card may deliver 2% cash back. The rewards can quickly pile up without additional work on your part. How Do I Apply For a Cash Back Credit Card? You can complete an online application once you decide which card you’d like to own. ...

What factors affect the value of a cash back rewards card?

The value of a cash back rewards card depends on many factors. The following chart summarizes those factors and how they may sway your opinion. You charge a lot on the card. Your monthly card use is low and infrequent. Your primary expenses match the higher cash back categories, such as groceries or gas. ...

Why should you use credit cards to earn bonus points?

Cards with that kind of flexibility allow you to choose your own bonus categories which can make your points earning even more efficient. Make sure you know what bonus categories each of your credit cards offer and try to earn bonus points whenever you can to get you to your travel goal even faster. ...