Credit Cards

Remainder

Always pay full balance every month and never miss a payment.

Grocery

I utilize the Amazon Prime card, which provides 5% cashback on Whole Foods and Amazon purchases.

Online Purchases

I use the Bank of America Customized Cash card, offering 3% cashback on online purchases, capped at $2,500 per quarter.

Travel

I utilize the Bank of America Travel Rewards card for fee-free foreign transactions and 1.5% cashback.

Rent

I have been using the Bilt card for monthly rent payments for over a year. The card offers 1% cashback, which, while modest, provides better value compared to ACH transfers.

To qualify for points, I must complete 4 non-rent transactions monthly. I typically fulfill this requirement through small purchases like snacks and beverages.

Robinhood Card

This card advertises 3% cashback on all purchases. However, despite applying a year ago, I have not yet received the card.