Bluebird

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
101 posts
FutureBillionaire
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Thu Mar 21, 2013 10:46 am

I tried to get Vanilla reloads at Family dollar and Dollar general. It didn't work at either location due to a computer error.
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


nishant
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Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Thu Mar 21, 2013 8:11 pm

Dollar stores will get a person max 2% cash back less 0.79% Vanilla reload fee so a net of 1.21% only.

Getting $6 from $503.95 spent is going to take lot of time for item you want to buy with those savings

DavidNY
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Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Thu Mar 21, 2013 8:25 pm

nishant wrote:Dollar stores will get a person max 2% cash back less 0.79% Vanilla reload fee so a net of 1.21% only.

Getting $6 from $503.95 spent is going to take lot of time for item you want to buy with those savings


Yup, better off with a 2% card.

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

Postby cashback » Thu Mar 21, 2013 9:36 pm

nishant wrote:Dollar stores will get a person max 2% cash back less 0.79% Vanilla reload fee so a net of 1.21% only.

Getting $6 from $503.95 spent is going to take lot of time for item you want to buy with those savings


There are more ways to purchase things than with a CC and get cash back. Trial and error is a big part of getting rewards. Think outside the box.
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

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

Postby FutureBillionaire » Thu Mar 21, 2013 10:33 pm

Agreed. Plus, the point of Bluebird for me is to use it to pay things that I normally can't pay with a credit card. I'll make some profit every now and then with the right 5% card.
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

nishant
Centurion Member
Centurion Member
 
Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Sat Mar 23, 2013 10:21 am

I think the point is that Bluebird is not the Magic Bird. Within its limits of $100,000 per year which generally is the spending limit for 99% of people and assuming 5% cashback on $5000, the total returns are limited to $ 5000* 0.0421= $210 plus $95,000* 0.0121=$1150 total $1360 will be maximuml the annual earning which is very good by any standard but only a supplimental to other cards.

I have been earning $ 2000 to 2500 per year cash back without Bluebird including sign up bonus. I expect incremental savings by Bluebird now to the extent of only $600 which is limited by use of other cards and my income

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

Postby cashback » Sat Mar 23, 2013 11:12 am

Bluebird is a Magic bird if you use it correctly. If you have this card and have two Bluebird accounts, that's 10K a month you can run through it. So that would be 50,395 TY points for $79 in fees each month. And that's in addition to your regular spending.
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

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

Postby FutureBillionaire » Sat Mar 23, 2013 11:12 am

nishant wrote:I think the point is that Bluebird is not the Magic Bird. Within its limits of $100,000 per year which generally is the spending limit for 99% of people and assuming 5% cashback on $5000, the total returns are limited to $ 5000* 0.0421= $210 plus $95,000* 0.0121=$1150 total $1360 will be maximuml the annual earning which is very good by any standard but only a supplimental to other cards.

I have been earning $ 2000 to 2500 per year cash back without Bluebird including sign up bonus. I expect incremental savings by Bluebird now to the extent of only $600 which is limited by use of other cards and my income


I agree it is a good tool to have in the arsenal.
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

DavidNY
Centurion Member
Centurion Member
 
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Sat Mar 23, 2013 11:37 am

cashback wrote:that's 10K a month.


At least until next year. If the promo is still on your partner can then pick one up.

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

Postby cashback » Sat Mar 23, 2013 11:40 am

DavidNY wrote:At least until next year. If the promo is still on your partner can then pick one up.


That's exactly right. Chasing rewards is a constant game of cat and mouse. You always need to be ready to move on to the next best thing.
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



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