我一般value Amex/chase points at 0.02 cents. 大衣被禁 发表于 2021-01-16 12:27
Nothing to do with point values. AMEX bluecash classic is all cash rebate but has since been discontinued. Annually, the initial 6.5K spendings'' rebate is capped at 1%, after 6.5K spending you get 5% cashback upto 50K. I have two of these and max out every year.
也很疑惑🤔 Chase Freedom cash-back calendar 2021 Chase announced the bonus 5% cash-back categories for the first quarter of 2021. The remaining categories will be released throughout the year. January to March (activate now through March 14): Wholesale clubs*, cable, internet, and phone services and select streaming services**
Nothing to do with point values. AMEX bluecash classic is all cash rebate but has since been discontinued. Annually, the initial 6.5K spendings'' rebate is capped at 1%, after 6.5K spending you get 5% cashback upto 50K. I have two of these and max out every year. yolandos 发表于 2021-01-16 13:21
您搞错了。 我的意思是freedom 是3% points, amex cash 是5% cashback. 我觉得3% points = 6% cash back because I value points at 2 cents.
well, do you still fly nowadays? If not then thats future value (points) vs rebate (which is present value). And yeah I am kinda picky :-) yolandos 发表于 2021-01-16 15:38
OK you won the numbers games (6% future value) but if AMEX blue cash classic were available it would have won the popular vote (5% cashback 1 month deferred).
well if you book J or F class you don't always need to book early. I have done round trip to/from china for oever 15 years before the pandemic, mostly within a week before departure and some even next day. BTW， some of airlines even allows free change of flights within a year. The problem now is point redemption on partner airlines are very restricted that's why I said the points value should be considered "future value".
Chase freedom 有5%
Chase sapphire reserve
再好也没有amex blue cash 全年非seasonal 5% 菜药油grocery/pharmacy/gas了。discontinue这个卡了。
同推这个
我一般value Amex/chase points at 0.02 cents.
不是，是blue cash preferred
capped at 50K.
Nothing to do with point values. AMEX bluecash classic is all cash rebate but has since been discontinued. Annually, the initial 6.5K spendings'' rebate is capped at 1%, after 6.5K spending you get 5% cashback upto 50K. I have two of these and max out every year.
申请复杂吗？
Chase Freedom cash-back calendar 2021 Chase announced the bonus 5% cash-back categories for the first quarter of 2021. The remaining categories will be released throughout the year. January to March (activate now through March 14): Wholesale clubs*, cable, internet, and phone services and select streaming services**
您搞错了。 我的意思是freedom 是3% points, amex cash 是5% cashback. 我觉得3% points = 6% cash back because I value points at 2 cents.
申请信用卡都差不多吧，我没遇到过特别复杂的
points taken (pun intended)
Amex points 怎么能花到2 cent，必须坐飞机吗？
我一般都是存着换机票的。
可以三不耽误啊
BCP明明是6%supermarket，3%加油， 以前好好的3%department store被取消了现在改成3%交通打车过桥费。 另外正确的用法是去超市买油站GC 航空公司GC或者AmazonGC 这样都可以6%
The problem with Amazon GC is you lose extended warrenty on your amazon purchase.
well, do you still fly nowadays? If not then thats future value (points) vs rebate (which is present value). And yeah I am kinda picky :-)
無年費blue cash加油2%，賣菜3%吧。有年費的才是6%
我家annualized return 现在是0.4%。
blue cash preferred, annual fee $95?
现在blue cash preferred是6%超市消费和streaming订阅，3%加油、打车等等
https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
OK you won the numbers games (6% future value) but if AMEX blue cash classic were available it would have won the popular vote (5% cashback 1 month deferred).
那不坐飞机的什么点有用啊
点换飞机票都要很早订，尤其是回国的那种，实在搞不定
boa什么卡网购5%？
well if you book J or F class you don't always need to book early. I have done round trip to/from china for oever 15 years before the pandemic, mostly within a week before departure and some even next day. BTW， some of airlines even allows free change of flights within a year.
The problem now is point redemption on partner airlines are very restricted that's why I said the points value should be considered "future value".
找不到这个app 是在app store 还是google play store
稍微复杂一点的是BOA放10万资产达到他家Platinum Honors级别，这样信用卡的cash back都增加75%。然后申请1.5% everywhere的两张卡： travel rewards（无年费）或者premier rewards($95年费但是有$100 airline credit)。这样经过Platinum Honors加成后的cash back就是2.625% everywhere了。不过也许10万资产放在BOA的收益太低，放退休账户在BOA比较好。 最省心的是citi double cash, 2% everywhere，只要每个月pay in full。
有点risky，如果GC被盗。。
+1
年费95元那个？我也有，一直没觉得有啥好处，好像就租车上是primary insurance
前段时间用chase的点数买东西和转账可以有bonus，所以跟订travel差不多