ST Alpha - "More LYC: I analyzed my 2019 spending over my major CC (overshare)" (Reading a Post)

SlickerTalk
Search Archives
The Leaderboard
The FAQ

Down to Post

Backboards:

Posts: 153

More LYC: I analyzed my 2019 spending over my major CC (overshare)

Posted by oblique (aka kkuphal) Feb 18 '20, 10:35

I had four major credit cards that we used for the majority of our spending. Chase Sapphire Preferred, Chase Amazon, Chase Freedom Unlimited, and a Citibank card (no rewards).

Chase Amazon Cash back earned: $525

Chase Sapphire Points earned: 72,494
Chase Freedom Unlimited earing: 20,751
Total value of Unlimited Rewards earning: $1,165

Points redeemed in 2019: 94,475 (8 different hotel stays + 1 car rental)
Value redeemed in 2019: $1,181

Assuming similar earnings for 2020, then my upgrade to Chase Reserve will be worth about $233 in increased earnings value.

Additionally, by not using my Freedom card (1.5%) for non-dining/non-travel expenses, I lost out on 26,169 points. Similarly by using Citibank, I missed out on 18,544 points. All told that was probably $559 of additional value between those two cards.

Responses:

I have over a million Southwest miles. I need to go somewhere. -- nm - jnine Feb 18, 13:33
I have 274,000 points on my Sapphire Reserve. Wonder what I could do with those....... -- nm - ty97 Feb 18, 10:47 9
- I'm looking now at flights to DFW in June to get my daughter to her summer camp. I originally was going to drive it but it's 12k points to fly there -- (edited) - oblique Feb 18, 10:55 4
  - This is a good reminder that I have 144,000 United miles sitting around -- nm - ty97 Feb 18, 10:57 3
    - that's a lot of pudding -- nm - Beaker Feb 18, 10:58 2
      - Teryaki chicken. Tery... aki chicken. Soup? Soup... soup... Chicken noodle...? Cookies. Pudding. PUDDING! - Spawn Feb 18, 11:00
      - Of the Big 3 US airlines, that's the one with the least number of miles in my account right now. - ty97 Feb 18, 11:00
- Book a flight and hotel for STL? -- nm - spamlet Feb 18, 10:51 3
  - Flights to STL are cheap enough but I guess I should book. - ty97 Feb 18, 10:54 2
    - Airbnb is your best close but the immediate neighborhood is sketchy in areas. - spamlet Feb 18, 11:04 1
      - Yeah I'll probably just stay downtown and get carshare to the site -- nm* - ty97 Feb 18, 11:04
Are you seeing numbers, like in The Matrix? -- nm - David Feb 18, 10:47 3
- not enough threads on ST mention both The Matrix and porridge -- nm - prayformojo Feb 18, 10:49 2
  - *bullet time porridge splatter* -- nm - Max Feb 18, 10:50 1
    - except instead of dodging the porridge, the person in bullet time is eating all of the porridge projectiles -- nm - Beryllium Feb 18, 10:52
But how much have you left on the table doing this for just yourself instead of working on an app that helps others calculate card rewards? - Max Feb 18, 10:46
I think you may be overthinking this. - Cuzzin Todd Feb 18, 10:40 5
- Or not overthinking it enough? -- nm - Reagen Feb 18, 10:42 3
  - Or thinking about it *juuuuuuuuuuuuuust right* - prayformojo Feb 18, 10:44 2
    - I left about 80 Air Miles (like 800 equivalent points) on the table for groceries on the weekend and it pissed me off. -- nm - Reagen Feb 18, 10:50
    - mmmmm, porridge -- nm - ty97 Feb 18, 10:46
- Not really. I left almost $600 on the table just from using the wrong credit cards - oblique Feb 18, 10:42

Post a message top

More LYC: I analyzed my 2019 spending over my major CC (overshare)

Replies are disabled on threads older than 7 days.