Recommendation of Credit Card Usage

Things on this page are fragmentary and immature notes/thoughts of the author. Please read with your own judgement!

Tips and Traps¶

Avoid AMEX as it is nutorious for closing many customers’ credit cards without valid reasons.
Costco is a wholesale. It is not considered as a grocery or supermarket for cashback bonus purposes.
When multiple credit cards provide 3% cashback, prefer other cards to Robinhood Gold card as
- 1 point worths only 0.7 cent in Robinhood Gold Card if you do auto redeem
- no discount on gift cards when purchased using Robinhood Gold Card points

Category	Coupon/Credit	`>=5%`	`>=4%`	`>=3.5%`	`>=3%`	`>=2.5%`	`>=2%`	`>=1.5%`
Costco					RGC	BOA-M	Citi-C
Amazon		ASC^[1]			BOA-V RGC			BOA-V
Other Online Shopping					BOA-V RGC			BOA-V
Restaurant			VVC		Citi-C RGC
Supermarket					RGC
Other Grocery			VVC		Sapphire^[2] RGC	BOA-M
Macys		AMEX-M			RGC
Uber Eats					RGC
Airline check-in bag	BOA-V: $100/yr				RGC
Flight		Sapphire^[3]			RGC	BOA-V
Travel		Sapphire^[3] RGC^[4]			RGC Citi-C^[5]	BOA-V
Hotel	IHG Sapphire^[6]	Sapphire^[3]			RGC
Car Rental	Sapphire^[7]				RGC
Home Depot	HDCC			BOA-M	RGC
Home Improvement & Furnishings				BOA-M	RGC
Gas		Citi-C	VVC		RGC
EV Charging			Citi-C VVC		RGC
Verizon Purchases			VVC		RGC
REI	REIC1^[8]				RGC		BOA-V
Other					RGC		BOA-V

Footnotes¶

Amazon Prime membership is required to enjoy the discount.
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For online grocery purchases excluding Walmart, Target and wholesale clubs.
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For purchases through Chase Travel. And points are worth 25% more when redeemed for travel through Chase Travel.
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Robinhood Gold Card gives you 5% cash back when you book travel through the all-new Robinhood travel portal. For more details, please refer to Robinhood Gold Card waitlist .
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On eligible travel purchases only
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Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
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The card comes with trip cancellation and interruption insurance, lost luggage reimbursement, auto rental coverage, etc.
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5% (credit card) + 10% (member rewards)
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