Wallaby Financial Automatic Card Rewards Maximization

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
6 posts
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Location: toms river nj

Wallaby Financial Automatic Card Rewards Maximization

Postby craigm1 » Wed Jun 27, 2012 2:21 pm

Looks really interesting just signed up. Anybody else sign up???

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Craig M
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

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Location: Texas

Postby jeffysdad » Wed Jun 27, 2012 2:49 pm

American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Ratfacedudeguy » Thu Jun 28, 2012 9:28 am

Looks pretty cool. Although that would kind of defeat the purpose of the wallet with 16 card slots that I just got lol. I signed up anyway -- one can always hope they're one of the first 1000 that get free lifetime membership (yeah right).
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

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Location: Los Angeles, CA

Postby LadyinRed » Tue Aug 14, 2012 12:12 pm

Just wanted to bump this thread to see if anyone's actually used this yet. I'm thinking of getting one but want to hear a review first if I could before signing up.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)

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Location: CA, USA

Postby trumpet-205 » Fri Aug 17, 2012 9:49 pm

This card is kind of pointless. $50 AF is a deal braker right there (free for 6 months initially). You are also giving up on things like purchase protection, extended warranty, etc.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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Postby khad » Sat Aug 18, 2012 10:25 pm

I guess it depends how much those extra rewards are worth to you. I was running my own numbers and if I carried around every card I have and always used the card with the best options, I'd earn at least an extra $100 annually. But I don't do that because it is a pain to carry around so many cards and keep track of which to use when. I use the card that gives me the best rewards overall (which is still pretty awesome since I calculated which one that was based on my specific spending). A $50 net gain sounds pretty good in my book. Depending on your spending patterns it could be worth much more to you.

The only downside I see is redemption options. If you have very low spend on a particular card, even thought the rewards may be higher it may take so long to reach whatever minimum redemption level the card has (or a sane redemption level that value points less than one cent each) that you may be better off getting slightly lower rewards on a card you use more often so you can redeem sooner. In that case just don't add that card to Wallaby. :)

It might end up sucking if they don't have good algorithms. (There are a lot of variables, not the least of which are those rotating 5% cards.) Only time will tell. It's certainly an interesting idea.

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