Completely agree. I have excellent credit and have been waiting for a good miles/points offer to come up and haven't seen anything worth applying for. Wish I would have jumped on the Alaska Airlines 50K miles Visa offer when it popped up (I believe last summer), but missed it.
Right now I use the Discover It, Costco AMEX and Chase Freedom card. Would like to add one more for travel. Perhaps SPG or an airline card. Any recommendations?
I don't use my Costco Amex for anything other than getting in the doors of Costco.
Other than that, using a FIA Amex with 2% cb is a much better deal. Especially if you shop at Costco, because you're doubling your cb from 1% in warehouse to 2%. Should be noted there is no AF and no sign up bonus (although I've seen it sometimes for $25 or $50ish). This is personally my main everyday spend cc because I also get Amex offers since it's an Amex product.
Have you picked up the Chase Sapphire Preferred? The bonus, if it's the same as it was a few weeks ago (hasn't changed much lately) is worth 45,000 points (40k bonus, 5k for adding an AU who spends w/ it). They waive the AF first year, and you can supposedly get it waived the second. Worst case, it acts as a facilitator of Chase points to be pooled into one total and used for either cash reimbursement or the 1.2 times multiplier for points (which comes w/ the CSP). CSP is also 2% cb for travel and 1% for everyday spend. I have this card but haven't had to call in to request the AF to be waived yet.
Another reason I love the SM card is because I have it linked to send the cash back into my upromise account. This then funnels into their high yield savings account, which gives a 10% bonus on all earned cashback (through SM and upromise). IIRC the bonus is paid out once a year.
If, for example, you spend $250/mo groceries, $250/mo gas, $200/mo Amazon, you're looking at $8,400 in the 5% cash back tier which translates to $420. Factor in a 10% bonus and you have an extra $42. It's not much, but it all adds up.
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