Was travelling a lot for work the last 2 years, so I’ve been rotating through the bonus cards and now probably need to take a long break from bonuses (I think I’m probably 7/12 or 12/24) and figured I’d try and review my overall cashback cards. The new Smartly 2/4% card probably makes most of this somewhat moot and just picking up pennies, but want to take this opportunity to review – cancel anything I don’t need, and hopefully get informed about anything I am missing. I’m lucky in that I have a partner that we can have multiple of some of the cards so the list might need some tweaking if that’s not an option for you.
Rotating Categories – 5% – 1500 Per Quarter
- Chase Freedom (V)
- Chase Freedom (MC) Flex (2x)
- Citi Dividend (MC)
- Discover IT (D) (2x)
Selectable Categories – 5% – 2000 Per Quarter
- US Bank Cash+ (V) – Utilities + Electronic stores
- US Bank Cash+ (V)- Utilities (need 2x utilities as we go over 2k per quarter) + Furniture Stores
Selectable Categories – 6% – 1500 Per Quarter
- US Bank Shopper Card (V)- Target Walmart
- US Bank Shopper Card (V) – Amazon Home Depot
Set Category –
- US Bank Ralphs (MC) – 5% digital Wallet 3000 per calendar year (2x)
- PenFed (V) – 5% Gas (Unlimited?)
- Ink Business Cash Credit Card 5% (V) – Internet Cable Phone and Office Supply Stores 25000 Per Calendar Year
- Citi Custom Cash (2x) (MC) – 500 Per Month
- Autograph Journeys Card (V)- 5% Hotels 4% Airlines [95$ Yearly Fee – Not worth it now with Smartly?]
- Paypal Debit Card (MC) – 5% Groceries
- Paypal Debit Card (MC) – 5% Restaurants
- Schwab Debit (V) – All ATM Transaction Fees Refunded
General Cashback
- Smartly Credit Card (V) – 4% – new General Purpose Card and specifically Costco
- Various 2% Card (Citi Double, WellsFargo, PNC Bank – maybe worth it with the bonus but not day to day since Smartly came out – still potentially want to hold on to one as Smarty has foreign transaction fees)
- Bank of America Customized Cash Rewards – now probably not worth it?
- American Express Blue – 3% Groceries Now probably not worth it
- Cash App Debit – Used to be worth it for the rotating categories (used to have 10% on groceries) no real reason to cancel or have now
- Venmo Debit Card – Have it, never really use it
Is there anything I’m missing? Currently we are using a Venture X for Lounge and Priority pass access, but I think Amex Plat/Chase Sapphire/Venture X we’ll just churn through for the big bonus and to keep access.