Just to show how great BCP and Gift Cards are.

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
LadyinRed
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Joined: Mon Jul 23, 2012 8:14 pm
Location: Los Angeles, CA

Postby LadyinRed » Mon Nov 12, 2012 11:10 am

At my local grocery store we have the gas rewards too. But we only get 10 cents off per gallon per 100 points (1 point per dollar) and the points expire at the end of the following month from when you earned them. So really it's only like $4-$5 off gas per month no matter how many points I have and a lot of the times the "reward gas" is the more expensive one anyway.

At PriceChopper, do you get to use all your rewards at once??
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)


Vermonster
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Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Postby Vermonster » Mon Nov 12, 2012 11:30 am

Price chopper lets you save up forever. They used to do 10 cents for every $50. I filled my grandmother's car once and she had $2.10 off per gallon. She had a few years of savings. They also will sometimes do promotions around the holidays, like a free turkey if you spend $500 in the month of November, or a ham in December.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

FutureBillionaire
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Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Nov 12, 2012 11:30 am

LadyinRed wrote:At my local grocery store we have the gas rewards too. But we only get 10 cents off per gallon per 100 points (1 point per dollar) and the points expire at the end of the following month from when you earned them. So really it's only like $4-$5 off gas per month no matter how many points I have and a lot of the times the "reward gas" is the more expensive one anyway.

At PriceChopper, do you get to use all your rewards at once??


Sounds like you are talking about Kroger. You get more points if you buy gift cards from there, so you can get up to a $1 off a gallon of gas. I find that I save more than $4 or $5 a month.
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

FutureBillionaire
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Nov 12, 2012 11:32 am

craigm1 wrote:cashback your the reason they now have a limit on the bcp, hope your happy, ruined a good thing for a lot of people I spend about 15k a year on groceries for a family of 5 luckily I never upgraded from the original blue cash, so this doesn't affect me I do have a us bank cash + hope people don't find a way to ruin that as well!!!!!!!!!!!!!!!!!!!!!

craigm


What about the banks that give us negligible interest rates on our savings accounts and charge us fees on our checking accounts! The banks have our money and take advantage of us for our trouble. What about the high rates on personal loans? Credit cards rewards are one of the only ways that we can actually come out on top in a transaction with the banks.
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

cashback
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Mon Nov 12, 2012 12:49 pm

LadyinRed wrote:At my local grocery store we have the gas rewards too. But we only get 10 cents off per gallon per 100 points (1 point per dollar) and the points expire at the end of the following month from when you earned them. So really it's only like $4-$5 off gas per month no matter how many points I have and a lot of the times the "reward gas" is the more expensive one anyway.

At PriceChopper, do you get to use all your rewards at once??


Yeah the rewards at PriceChopper are cumulative and you can use them all at once. When they do the 4x promotion I have wayyy more credit than I can use at one time (obviosuly I can't use $320 in gas in one stop lol).
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

Gamma
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Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Wed Nov 14, 2012 12:04 am

Wow I'm really surprised Amex hasn't cut you loose from the hundred of dollars you gotten buying gift cards. I do agree with craigm1 though and believe people like you are the reason they are putting a cap on the reward cashback. Pretty lame considering I recently got my BCP few months ago :( Grats though on all that cashback you obtained! I can see a big change coming to the US Bank Cash+ reward structure sometime next year.

cashback
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Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Wed Nov 14, 2012 10:17 am

Gamma wrote:Wow I'm really surprised Amex hasn't cut you loose from the hundred of dollars you gotten buying gift cards. I do agree with craigm1 though and believe people like you are the reason they are putting a cap on the reward cashback. Pretty lame considering I recently got my BCP few months ago :( Grats though on all that cashback you obtained! I can see a big change coming to the US Bank Cash+ reward structure sometime next year.


I agree the cap is because of "people like me." However, even if i didnt do this there are plenty of other people who still would and BCP would still be getting capped. So my thought is, get it while you can.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

LadyinRed
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Posts: 72
Joined: Mon Jul 23, 2012 8:14 pm
Location: Los Angeles, CA

Postby LadyinRed » Wed Nov 14, 2012 2:43 pm

Got this in my local grocery store ad:

Image

Just sweetens the pot even more.

It's Vons, who's parent company is Safeway.
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)

Gamma
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Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Wed Nov 14, 2012 3:05 pm

cashback wrote:I agree the cap is because of "people like me." However, even if i didnt do this there are plenty of other people who still would and BCP would still be getting capped. So my thought is, get it while you can.

That's true. As of last week, I began being one of those people and taking advantage of buying tons of gift cards before the cap comes in :)

LadyinRed wrote:Got this in my local grocery store ad:

Image

Just sweetens the pot even more.

It's Vons, who's parent company is Safeway.

That is a really good offer, but as I was checking the gift cards valid for the offer, there wasn't any good ones that I frequently shop in...... unless you can use gift cards at a store to buy other gift cards? Can you do that?

LadyinRed
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Posts: 72
Joined: Mon Jul 23, 2012 8:14 pm
Location: Los Angeles, CA

Postby LadyinRed » Thu Nov 15, 2012 12:25 pm

FutureBillionaire wrote:Sounds like you are talking about Kroger. You get more points if you buy gift cards from there, so you can get up to a $1 off a gallon of gas. I find that I save more than $4 or $5 a month.


Yeah, I'm talking about Ralph's (Kroger's it's parent company) but we can only use a maximum of 100 points per transaction. So even if you have 600 points you can only use 100 points for 10 cents off a gallon. I'm jealous of the people able to stack the points! But i'm in Southern California so prices are higher here in general - just something to get used to.
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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