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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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[–] momtheregoesthatman 7 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.

[–] momtheregoesthatman 2 points 1 year ago

Yep, I agree about Chase. And the same could be said about Amex with the changes in perks + the Centurion lounges always being full. I have been an Amex customer for a long long time and regularly call to get my fee partially waived (it's hit or miss). I stay for their customer service. It's second to none. To answer your question, I travel a lot. I do gov consulting work so it's all reimbursed :)

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