Does a 4% CashBack card toward Groceries exist??

A place to talk about cash-back credit cards and card-linked deals
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Re: Does a 4% CashBack card toward Groceries exist??

Postby CarefulBuilder14 » Thu Sep 15, 2016 8:28 am

kdm31091 wrote:
17thWhitePrince wrote:
takeshi wrote:If that's the case then you were probably barely above the BCE before the AF hike.

How much of a gain in dollars is 1% for your spend anyway? Is that amount worth worrying over? As CarefulBuilder14 points out above, even at the $6K cap for the BCP, 1% is only $60 for the year.

I'm just looking to maximize my return on CB that's all. At worst before the hike I was gonna make $112 at the end of the year after AF was paid but now going forward that number shrinks to $92 after AF and with the BCE I could make $93 with no AF. I know that's the numbers for lowest spend possible but still I take that into account. Sure as my income increases I'll be able to increase spend on groceries as needed thus increasing my return. At end of years I would like to combine my CB and use it for like a weekend getaway or whatever with my family. I work anywhere between 50 & 60 hours a week just to cover the expenses and pay the bills. I barely make enough for even that. For you $20 dollars might not mean so much but to me it means a lot more.


Of course, note that with the Amex cards, you cannot redeem $20, so it may as well not exist! You can only redeem $25, $50, $75, etc in those increments so you will always have some rewards you cannot redeem. Keep this in mind when deciding the value.

It only takes $834 of grocery spend on BCE to hit $25. Any rewards he can't redeem today, he'll be able to redeem in 3-4 months.

It takes me a long time to redeem on BCE, but that's because I mostly just use it for offers.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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