- Centurion Member
- Posts: 1589
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
cashback wrote:If they have drug stores at least once a year, that's $300 a year. 2012 Q1 they had utilities, so you could prepay all your utils for as long as you could. Thats the thing with the dividend, you only need one good category a year to make it worth it since you can blow all 6K on one cat.
I don't get why people are so down on the Dividend card. It has a big advantage having a yearly cap instead of a quarterly cap. It's essentially the same card as Freedom/It (with the obvious exception of ShopDiscover which makes It 100 times better).
The categories are terrible many times, so you can't get the bang for your buck. But, if you know how to play your cards right, it can work well.
I'm not a big fan of Thank you points. I prefer Discover and Chase's cash back redemption.
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