![]() Also, I rarely make it by Cheesecake Factory or the other restaurants for the $10/month credit.Įven with the CAP $100/year statement credit for Gold, I'd still be reducing my total AFs by $100/year (remove $150 for Gold, add $50 for BCP), with probably no net loss in rewards, as I'd lose a little with dining, roughly break even with groceries, gain a little with streaming services. I am not and will never be an Uber or Uber Eats user, so that credit isn't valuable for me. Additionally, get 6% on streaming services Instead of 4 MRs/$ dining out, get 3% (Costco Visa) Instead of 4 MRs/$ at grocery stores, get 6% That said, this thread is making me ponder a larger update. I don't think it's all that important, just wondering if there is any downside at all. ![]() Since large non-category spend is the only value I see in the card's high CL, I am just wondering if there's a reason not to get the card with 1.5% non-category instead of the BCE's 1% non-category. And, there are some possibilities where I may have large expenses in 2021, though I may or may not use a card for them, so this is a possible use, not a definite use. The problem with BCE is that it has lower rewards on groceries than my Gold Card and lower rewards on gas than my Citi Costco, so the only use I see for it would be if large non-category spend landed on me, for example if I needed a new HVAC system and decided to use a card for it. will explain original goals and then discss the potential bigger change. Thanks - to clarify a couple of things - I'm not planning to close the card, although this thread has caused me to consider a bigger change that I originally had in mind.
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