- Centurion Member
- Posts: 3962
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I hesitate to suggest an MR-based card for you only because MR points aren't terribly flexible, and you've said before that your major travel is several years away. I just don't want you to get into a situation where you try to book a flight reservation and the one flight you really want isn't with an MR partner. Then again, if you fly between two major cities, you can probably get a flight from one MR partner or another, and a signup bonus would help a lot.
I probably spend more on groceries relative to restaurants than most people, so my budget definitely supports the Sallie Mae / BCE combo and makes a dining card less important. $315 on groceries would be a slightly busier than average month for me.
Since I spend a lot on groceries, and I can get a high average reward rate on them, I'm okay with earning cash instead of MR points. I don't make enough total swipes in a routine month to justify an EDP, anyway, since many of my swipes would compete with 5% category cards and a future Arrival+.
Since you don't spend much on groceries, your BCE average award rate would be pretty low. So maybe an ED card is better for you than BCE.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May