Most of our spending is on grocery and gas, we do not dine out a lot. However, we would like to travel a lot with our kids, to the coasts mostly. We also try to do international travel once a year, either to Asia or to Europe.
People talk a lot about CSP, but I feel it is most for people like who I was ten years ago (single , no kids, hang out in the city most of the time ...). I don't see how I can benefit a lot for CSP's multipliers.
Is there any married man like me who got the same question? Any hint?
Thanks a lot!
Well, if you spend a lot on groceries and gas for a family, a warehouse membership can be far more valuable than a credit card. If you have a Costco close by and you don't have a membership, get it! Then get a flat 2% Visa that will allow you to earn 2% on those purchases starting April (or get a flat 2% Amex, like the Fidelity Amex now). This won't mean a lot of point pile-up, but with the top level flat cashback and the savings from shopping at Costco (and especially buying gas there), you could easily win out.
The Orbitz Rewards Visa might be something that will fit your bill. It's a flat 2% reward card with no Foreign Transaction Fee. The only catch is that you have to use the cashback on prepaid hotels booked through Orbitz. On the upside, there are no minimum redemption thresholds, and you don't have to build up enough cashback to cover a full hotel stay - you just take that amount off whatever your total hotel booking price is. That's it!
If a warehouse club isn't an option, though, then the others are right. Nothing beats the EDP in that case (or BCP if you prefer cashback).