![]() It could be interpreted as getting rid of AFs.įirst, if you want to make your Freedom card naming closer to what we use here, maybe use FF for your Freedom Flex (e.g. ![]() For the customer, you just defined a wash. We took $95 from Chase, and gave it to Amex. You just switching around to who you are paying those $95. I feel like saying you are washing away the CSP $95 AF with the BCP is deceptive imo.ĩ5 minus 95 is zero. Not sure where you got that from, but you were wrong and we're now both in agreement there. As such, this will be the last point in this conversation between you and me.Īdd a $95 AF card, remove a $95 AF card and add another $95 AF card. Hard concept for some to follow, I suppose.Īlright, so it's crystal clear at this point that you are at minimum arguing for the sake of arguing, and at worst, outright trolling. I said that by dropping the CSP in favor of the BCP, two cards with a similar annual fee, the net change in annual fee was a wash. There really is no place for a card with an AF in a multi-card cashback rotation unless you're spending hundreds of thousands across all categories and have heavy spend in a specific category.Īnd to clarify a point brough up by someone who tagged you - I NEVER said that it was zero annual fee after dropping the CSP. Any deviance from that in either direction puts your recommendation even further ahead. However, the $6k grocery spend was the optimal spot for the BCP. In total, by dropping the BCP for a second CCC, we gain $23.60. We then drop the streaming from the BCP ($18 on $300 spend) to likely the Citi DC + Rewards+ ($6.60 at 2.2%). I was unaware that you could get a second CCC, but adding that in for groceries, we get $300 CB on $6k spend.
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