@SoFla wrote:Great ideas, what is MR (i know the answer is going to be blatantly obvious :/ and even though a BCE has no annual fee, isnt the PRG worth it because of the 3x,2x,1x more points you can accumulate?
"What is MR?" is really something you should have looked into prior to applying for the PRG. Unfortunately it's a bit too late for that.
You can't just look at rewards earn rates. That's only half of the equation. The other half is redemption. For both MR and UR you have to be able to leverage the transfer partners to make the most of each point in those systems. If you can't use either then you should probably focus on cash back cards.
You also can't just look at AF's on their own. In many cases the BCE is a poor choice given total cost/benefit when compared to the BCP or the Sallie Mae (and even the old Blue Cash for certain spend levels).
@SoFla wrote:-BarclayArrival+ Travel and BILLS
If the Arrival+ rewards are very useful to you because you have travel expenses to redeem against you might want to reconsider that since you get 2x on all purchases (not just travel) plus the 10% on redemption. That's a better deal on non-category spend than relying on the Freedom's 1%.
@SoFla wrote:Does anyone have any suggestions that they find works best for them?
What works for us isn't what matters. What works for you is what matters. Just as one example, holding an MR card makes no sense at all for me since I have no use for MR points. I focus on accruing UR points as they are useful to me. Your situation and preferences, however, may be entirely different.
Make sure you consider your major spend categories when selecting what cards to apply for so you can get the most from rewards in those categories.
It sounds like you may want to completely reassess you card and rewards strategies -- at least for the long run.
VattenÃ© wrote:I also want to point out: I'm not a Chase member, but I am pretty sure you won't have to worry about UR points. The Freedom just gets cash back.
The Freedom is a UR card. It accrues UR points. The issue is that the UR points can't be transferred with just the Freedom itself. UR points accrued with the Freedom can be used for gift cards, merchandise and travel via the UR portal. UR points accrued with the Freedom can also be redeemed for purchases with Amazon.
The Ink Cash and Ink Classic are similar in that regard.