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Which credit cards do you use for maximum rewards? (lemmy.ml)

submitted 1 year ago by [email protected] to c/[email protected]

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My family uses credit cards for all purchases and we pay them off in full each month. Although sometimes we'll use a 0% APR promotion for bigger purchases.

Which cards do you use for maximizing your rewards?

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[–] [email protected] 6 points 1 year ago (5 children)

It's a cat and mouse game to achieve "the best" rewards. It's made this way on purpose and they change monthly/on a cadence (as you most likely all know). I always look around to research and modify our usage per expenses.

That said:

Amex Platinum for travel (hotels, flights)
Chase Freedom for gas (rewards are sometimes targeted)
Chase Sapphire for streaming, bills and randoms because I like their points incentive(s)
Citi Simplicity for balance transfers, since they tend to target my family for generous offers (like when we had to buy a new living room :/)

Other than the Citi card, we pay our balances. Our rewards points are pretty built up at this point and we'll use them for things like vacations, or vacation add-ons, rentals or gift cards for the kiddos.

[–] [email protected] 6 points 1 year ago* (last edited 1 year ago) (4 children)

I am planning to drop my Chase Sapphire Reserve because the service has suffered while the price increased (started at $250 and now it's $500/yr).

About how much do you spend on hotels and flights to make the Amex worth it? They charge $750 a year!

Edit: I'm also bitter that Amex bought all of the airport lounges that I used to get into for free with my Chase card.

[–] [email protected] 1 points 1 year ago

Yeah I'm a bit sad that I picked the chase ecosystem instead of Amex now. I've got the non-business trifecta and don't want to switch because I have a ton of points, but it seems like the Amex rewards are "nicer" these days. Even if it's unlikely I'll fully utilize most of them. Although Chase is working on opening their own airport lounges so maybe that will help.

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