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Madison Howard

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csrecruiting121

2025-01-17 05:43:29

Currently have 7 cards with ~130K spend/yr. Want to simplify this down to 2.

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For one card, the Smartly is your best bet if you have $100k in an IRA or brokerage for 4% cb on everything.

1737093403
Was thinking of a two card setup. What do you think about Smartly for 4% spend everywhere + the BoA custom card for travel or dining since that gives 5.25% iirc? Do you think that'd be worth it for my spend? don't mind parking 100k at each brokerage, as long as its worth the hassle tbh.

1737094176
The Customized Cash Rewards (CCR) while nice, can earn you at most an extra $125 a year over the Smartly (extra 1.25%, 10K cap). It's just not that impressive.

1737150776
Yeah I realized that the CCRs are pretty much worthless for me after figuring out the 10K cap.

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