- Centurion Member
- Posts: 1590
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
Sevenfeet wrote:For pete's sake, why so harsh? Honestly these companies don't owe you or me anything and can change the rules at any time (and obviously do). Does it suck that they dropped utilities? Sure. Does it suck that they split out full service dining and fast food? Yes, but that's their decision. I choose to use the card based upon what I will save doing it. If it still makes economic sense, I will. If it won't, I won't.
For example, I was pretty high on getting a CSP card and quickly. Now I understand that in my specific case, the card doesn't make that much sense. Why get another travel card to get miles when I have 500k miles at Delta right now from traveling 3-4 times a month for work? For me, the worst part about the Cash + card is the 2% choice. The Penfed PRV is on the way to my house so I have gas and groceries covered. Drugstores would be a logical choice for the 2% benefit since my son's medications are so expensive, but I'm going to get the Fidelity Amex first and that's 2% for everything.
So the US Bank Cash + looks increasingly like the dining card. That's still about $365 in savings for me, so I'll take that. It's still better than shopping for groceries on an Amex BCP card (increasingly the smallest priority in my conquest list).
I want my benefits as bad as these shareholders want their cut. They're in business to make money. I"m in business to maximize mine. I'm annoyed with them because I feel like it was bait and switch. They changed the program so much that it seems shady. But, it looks like they may not have changed the caps, so maybe it isn't all bad. It's still a bad decision on their part, because I don't think folks with many different rewards cards will use their card as often.
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