BJs Perks Plus and Citi Double Cash?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
3 posts
Altephor
Green Member
Green Member
 
Posts: 6
Joined: Fri Jan 16, 2015 11:57 am
Location: New England

BJs Perks Plus and Citi Double Cash?

Postby Altephor » Fri Jan 16, 2015 12:01 pm

Recently picked up a Barclay's Sallie Mae Mastercard for the 5% on grocery, gas, and amazon. This will basically replace my Amex Blue Everyday card, unless I go over the $250/mo limit on the MC for gas/grocery (rare). Grocery, gas, and amazon are pretty much my expenses in a nutshell, I rarely buy anything at a brick and mortar store anymore.

My other expenses include BJs for bulk items (probably $100-150/mo or so), dinners out with my gf and the occasional movie out (5-10 a year, maybe). And then other 'fun' expenses, like trips to the local ski hill, occasional travel (1-2 night hotel stays, driveable distance), ice skating, etc. Date-like things.

I have been considering upgrading my plain BJs membership to the perks plus mastercard. As I write this I realize it may be a moot issue anyway, as it essentially costs me nothing to get the BJs card (the plain membership and the MC renewal fee is basically the same). It gives 3% on BJs purchases, 10c off BJs gas (which only gets better as gas goes down), 2% restaurants and 1% else. I figured this would round out the majority of my spending, so I would essentially be getting:

5% gas
5% grocery
5% amazon
2% restaurants
10c/gal BJs gas
1% everything else

So I guess the better question is, should I add in the Citi Double Cash? To make that 1% everything else 2% instead? I auto-debit for full amount every month, so there's no carried balance. So I want to max out my cash back. Last year's total spending on my Amex (first year with a cc, so Feb 2014 - Year End) was $8600. Total in the 'everything else' category was $4800. So we are not talking a ton of cash back here, about $50 extra, roughly.

Worth it to end up with 4 cards for such a minimal amount? Or just stick with 3? I want to maximize my cash back, but I don't want to go crazy over it. Even with just the three cards it seems my Amex is going to get very minimal (if any) use.


Altephor
Green Member
Green Member
 
Posts: 6
Joined: Fri Jan 16, 2015 11:57 am
Location: New England

Postby Altephor » Fri Jan 16, 2015 1:12 pm

Also, why I'm at it, how often does Amex update it's special reward deals? I.e. the ones like "Spend X amount of dollars at Y store and get Z cash back". Right now there are 38 available, only one of which has any use to me at the moment (Shell gas). These would also constitute spending that stays on the amex other than just grocery/gas if I hit the limit on the BSM.

yfan
Centurion Member
Centurion Member
 
Posts: 378
Joined: Wed Jul 09, 2014 5:55 pm
Location: San Jose CA

Postby yfan » Fri Jan 16, 2015 2:45 pm

I'd take the extra $50 in cashback a year.



Return to “Rewards”

Who is online

Users browsing this forum: No registered users and 0 guests