- Centurion Member
- Posts: 1589
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
cashback wrote:Ive read places that if you don't sign up for the quarterly categories that they are more likely to throw additional rewards at you. Same goes for Citi and Chase. I didn't sign up for gas for the next quarter and I got this offer. I still wont sign up for it though, as it is pretty useless.
I also didn't sign up for Home Improvement stores on my Citi card, as I planned on putting those purchases on Discover. They sent me an offer for 5% back on anything up to $500.
So basically, if you don't need a category (like gas), then don't sign up for it.
This is a good data point. I actually don't mind 2% on my purchases so I can churn.
Home improvement is useful to me, because I buy Southwest and Marriott gift cards so that I get 5% on my travel purchases. It works out well for me.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape