Last update: October 31, 2017
Inspired by The Points Guy, I’ve recently started working to maximize my credit card and other rewards programs. While I’m willing to work pretty to find a good deal, I don’t want to complicate my rewards too much.
I do NOT receive referal bonuses for any of these cards or services.
|Card||Annual Fee||Reason||2018 Plan|
|Chase Sapphire Preferred||$95||2x UR points on travel/dining card due, primary auto insurance, and trip protection.||Upgrade to the Chase Sapphire Reserve to get the 1.5 x value when redeeming for travel and lounge access.|
|Chase Freedom Unlimited||$0||1.5%/1.5 UR points on "everything else" .||No Change|
|Amex EveryDay® Credit Card||$0||2x Membership Rewards points on groceries. I chose this over the Blue Cash Everyday Card, because I wanted access to Membership Rewards. I didn’t want to add another annual fee for a card I wouldn’t be using that much.||No Change|
|Citi Costco Anywhere Visa||$0||4% cash back on gas purchases.||Once I upgrade to the Chase Sapphire Reserve, I will probably stop using my Costco Anyhere Visa.|
|Chase Freedom||$0||5%/5 UR points on rotating Categories (e.g. groceries and restaurants).||No Change|
|Marriott Rewards Premier & Marriott Rewards Premier Business||$85 & $99||30 (15 for each card) Elite night credits (good for Silver Status), 2 free Category 1-5 stays each year, and 5x Marriot points on Marriott purchases.||No Change|
|IHG Rewards Club Select||$49||Platinum Status, a free stay each year, and 5x IHG points on IHG purchases.||No Change|
|United MileagePlus Explorer||$95||Keep my United miles from expiring, allow access to additional award flights, 25% MileagePlus X bonus.
Note: I do not use this card for any purchases.
My primary focus is on the Chase Ultimate Rewards program due to the 1.5 x value when redeeming for travel on the Sapphire Reserve. I don’t have a specific goal with my Amex Membership Rewards points, but many of the offers have been too good to pass up even if I end up redeeming my rewards for cash.
Rewards Programs and Status
- Marriott Rewards Platinum
- SPG Platinuma> – through Marriott Rewards status match.
- United Premier Silver – through RewardsPlus
- IHG Platinum – through the IHG Rewards Club Select credit card.
I also use the United MileagePlus X app when it isn’t too much of a pain.