12/10/2023 0 Comments Chase dom credit card reddit![]() That hits your $300 dining category, while you can use your existing Cash Rewards for Gas. I would look into Citi Custom Cash first. You'll hit the SUB (MSR 4000/6 months), but that is a high AF card without a way to get rid of the AF, so you'll have to pay up or close it on year 2, not a good choice for you second credit card. That won't be enough for the Citi Premier/CSP bonus (MSR 4000/3 months). "Rewards are nice, but spending a dollar to earn a penny is foolish."įor instance, if you're booking $1000 AirBnB in April, then you can count 3x$500 + $1000 = $2500 spending in 3 months. Do not go for high bonuses that require you to spend more than you intend to. I would time the travel spending and see if that & monthly spending can meet minimal spending requirements (MSR). You have $500 (Dining + Grocery + Gas) monthly spending + one time some travel expenses. I'm not saying these cards are bad value, I'm just saying you should do the math yourself to see how much these points are worth instead of blindly buying into travel reward cards. Whether you can redeem it at that price or not depends entirely on where are you traveling to and what status levels you have. But when they claim UR is worth 1.8 cents per point (cpp), it means they can redeem it at that value. It is in their benefit to show the points (UR, MR) are worth a lot to entice you to sign up. They advertise credit cards for the banks in exchange of referral fees from redirecting signups. ![]() The points guy and other blog sites have mutualistic relationship with the banks. Personal finance gurus saying it's dumb to pay for travel completely out of pocket The only reoccurring payments I have is $10 Spotify and my monthly car expenses of $450Įssentially, my current monthly income is $4k, I spend around $1k and save $3k thanks to living with family Travelling out of Hartsfield–Jackson Atlanta International Airport and I don't have enough travel experience to have a preferred airline I will also spend over $1,000 for a hotel or airbnb, but I'm trying to figure out which credit card to open first to get the most value out of that purchaseįrom now on, I want to start traveling more frequently and plan to spend $5k or less per year on travel ![]() This is the first year I'm spending on travel and I already spent $2,100 on Turkish Airlines to Istanbul for roundtrip tickets for 2 people, unfortunately I had to put that on my debit card since my credit limit is too low. Gas : around $100 from Costco using parents membership
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