@millennialindebt
Millennial In DebtThese are the 4 cards I have ⬇️ Citi Thank You Preferred Capital One Venture (no AF) Gold AMEX ($250 AF) Platinum Business Amex ($695 AF) Each card has their specific purpose that capitalizes on its point accumulation. I personally don’t open cards just for the sign on bonus 1. Gold Amex - 4X points for food purchases I earn 25,000 - 30,000 points by grocery shopping for the house and using my card when I go out to eat with friends & family. If you spend $400 a month on food that’s 19,200 points a year I also get $240 in dining & Uber credits 2. Capital One Venture- 1.25X points I use this card to pay my monthly bills I have about $30,000 dollars in annual expenses (not including mortgage, property tax & food) So I usually earn 35,000 - 40,000 There are venture cards with AFs and higher point conversions 3. Platinum AMEX - 1.50X points This card is used for business expenses With typically $20,000 - $30,000 in expenses (outside of contractors) I usually earn 30,000 points a year This also includes Global entry, lounge access, Gold Status at hotels, airline & wireless credits 4. Citi Thank You Preferred - 2X on streaming & live entertainment This was my first card and I’ve had it for 16 years. I don’t use it as much anymore but I used to average about 10,000 points a year by paying for concerts, Broadway shows & streaming with this card. #creditcards #creditcardpoints #travel #traveltok
On the profile · Mar 21, 2024