Why You Need This (Surprisingly Powerful) Credit Card Setup

[@boombstc1]

I would replace the amex gold with the citi strata premier. Cheaper and adds gas, more widely accepted.

[@drkenobii]

I completely agree with this. The only reason to use the Amex Gold is if you really value MR points

[@falf9003]

I agree. You also consolidate points currency

[@chadpennycuff]

Over Diversification of points is real. The only stand alone card in your trio is the VX and I’d replace the Gold with a Savor. I keep the C1 duo for international travel and avoiding FTF. The custom cash is so limited. It’s not worth messing with IMHO.

[@TruckerDae]

100%!! Strata, double cash, custom cash… I wrecked that game!! Just added the reward plus to get the bonus back on points every year. It’s like a free 10,000 points.

[@yurig2530]

@@TruckerDae More Custom Cashes, I have 10!

[@nickverburg8255]

Can confirm 100,000 point offer. I’m working on that same offer right now.

[@TravelLoverForLife]

I can confirm it as well. The easiest place to find it is through one of the referral links on the Amex subreddit

[@Fish4Points]

very interesting and versatile setup my current 3 card setup (personal) is Amex Plat, Marriott brilliant and sapphire prefered

[@TheRDGuarantee]

You have an awesome card set up. I like your combo

[@rkla887]

I used the have the AMEX Trifecta + CSP. Due to me spending more money on transportation and hotels booked directly than groceries I decided to drop my gold card and upgrade my CSP. Current setup - AMEX-P, AMEX-BBP, CSR

[@TravelLoverForLife]

The Chase Freedom Flex is better than the Custom Cash in my opinion. It gives 5% on rotating categories up to $1500 rather than the $500 cap of the Custom Cash.

[@soapa4279]

Amex Gold credits are so annoying

[@gruhby9546]

They need to make the credits better or give lump sum values.

[@LiveLifeWithLove]

Worst part is even downgrade to keep MR points is Amex Green with $150 annually .. what a shame

[@Th33Vultur3]

As a sole proprietor, the blue business plus

[@yurig2530]

I vote for Citi Premier + 3 CCCs + DC. Another one would be VX + 3 CCCs + Premier.

[@boombstc1]

@yurig2530 This is my house expense setup. I still need to add the premier to unlock the thank you points.

[@yurig2530]

@@boombstc1 Which one of them?

[@boombstc1]

@yurig2530 the wife uses the vx as a catch all, a CC for gas, one for groceries and one for dining. I just added the USBAR as a catch all for my stuff along with the BOA PR.

[@yurig2530]

@@boombstc1 this is a good setup. I have similar - Prestige (this beats all the cards for dining, airline and travel agencies at 5x) + 10 CCCs + AT&T AM + Sears, also USB AR, VX, S1, Priceline 3.33%, BBP as a backup. I don't really need VX, thinking about downgrading it to V1.

[@boombstc1]

@yurig2530 i love that you have the OG prestige card. I am a bog fan of that card. At that time, I wasn't in the game yet, I was scared of annual fees. I know the vx is redundant in your setup, but it's the last sub $500 luxury travel card open to applications and easy to get positive value. Think about keeping it.

[@joshuagavilano4726]

Mine is WF autograph 3x travel/hotel/restaurants/streaming/gas $200 bonus and 0 annual fee WF active/Citi dub cashback 2X back on any purchase or CITI No annual fee and $200 bonus Citi custom cash 5x on a specific category $200 bonus No annual fee Chase freedom flex 5x on rotating categories $200 bonus No annual fee $800 bonus in total and NO ANNUAL FEES AMEX is just not worth it IMO to much work to max your points and paying a hefty annual fee just to have a titanium card 💀

[@TheRDGuarantee]

Nice, this is a pretty advanced setup! Focusing on cash back but still with the elevated multipliers.

[@drchrisheidelberg]

I love your set up and my mom is a big WF fan so I am now looking at this card seriously. However for my family the Amex set up is great because it is built into our lifestyle and income. For example the Platinum cards (personal and biz) work as earners for our trips and we use the lounges, but the Walmart +, Sam's Club gas, ExxonMobil gas, the Paramount +and the Uber/Uber Eats credits combined with my Gold card credits and my Delta Platinum and Reserve also provide Resy credits via gift cards, meals, Uber and rental cars, baggage and companion pass certificates and Hilton Stays and then I use my Platinum Biz, Hilton Biz, Bonvoy Biz as fill ins and business expenses. Those AFs on the business cards are legitimate business expenses of about 2k. But I am now using my credit union low fee and no annual fee cards with nice limits as my catch alls. I use the Navy Fed Flagship, the First Tech Choice World Mastercard and my PenFed Pathfinder along with my Discover Miles and Discover It to fill in the blanks. I am now going to diversify with Citi, Chase, BOA and now WF on the business side and selective personal accounts while gardening with several credit unions so that I can maintain 5/24 or stay close. I hope next time he discusses region al banks and credit unions as great set ups. I am discovering that with M&TBank, Truist, PNC, Langley, US Senate Federal Credit Union and SECU MD and PSEU one can build a long term set up once one retires in 10 years. 14:30

[@yurig2530]

Amex Gold is a big no-no.