ST Alpha - "I stick with straight up cash back. 2-5% depending on category. Current card lineup inside." (Reading a Post)

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In response to "One of these days I need to figure out which of my rewards cards is better to use. But man they do not make it easy to compare. -- nm" by sycor

I stick with straight up cash back. 2-5% depending on category. Current card lineup inside.

Posted by znufrii 🦄 (aka znufrii) May 31 '23, 07:38

Fidelity: 2% cash back on all purchases.

Chase: 5% back on groceries through 12/31, 3% back on restaurants and drugstores.

Citi: 5% on groceries and drugstores through 6/30. Categories rotate quarterly.

Responses:

I don't generally mix cards. I just do all in on Chase Freedom for everything and combine the points to redeem via our Sapphire. I think maybe I have - oblique May 31, 08:07
I only have the 2 card. One is point, one is cash back. - sycor May 31, 08:03 2
- I redeem everything every year at the holidays. start the new year clean. -- nm - judge indianapolis jones May 31, 08:33 1
  - I think I'm a hoarder for certain things. The idea of wiping it all out at the end of the year gives me anxiety. - sycor May 31, 08:45
Discover is also quarterly rotation, currently 5% on Restaurants and Wholesale Clubs -- nm - Max May 31, 07:42 5
- I like the 5% that some of the cards do. I dislike remember which card to use at which locations each quarter though. -- nm - ty97 May 31, 07:43 4
  - I actually put a tiny post-it on my Discover to remind me what to use it on. -- nm - zunk takes things literally May 31, 08:33
  - my "groceries" card is always tap to pay on my phone. I carry my restaurants card and my everyday card with me. - judge indianapolis jones May 31, 08:25
  - Yeah, I always kick myself when I mistakenly use the wrong card. - znufrii 🦄 May 31, 07:47
  - Yeah, just because they offer 5% per quarter doesn't mean you're getting that per year if you're not buying in that category. -- nm - Max May 31, 07:45
Cash back is almost certainly the way to go. And yet.....I don't. - ty97 May 31, 07:41

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I stick with straight up cash back. 2-5% depending on category. Current card lineup inside.

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