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Credit Card Rewards Update November 2017

November 29th, 2017 at 05:46 pm

2017 TALLY:

$500 Gift Cards (AmEx Gold, Moi)
$500 Gift Cards (AmEx Gold, MH)
$525 Gift Cards (Citi Thank You, MH)
$499 Travel Rewards (Capital One Venture,MH)
$200 Cash (WF Wise, MH)
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$2,224 TOTAL *ONE-TIME REWARDS*

Other Rewards:
$21 Citi Price Rewinds
$30 AmEx insurance payment rebate
$ 5 AmEx for mobile app login

Ongoing rewards (through 11/30):

+$330 AmExRewards (6% cash back groceries/3% fuel)

+$86 Target rewards (5% discount Target purchases; mostly groceries)

+$65 Visa Rewards (3% cash back fuel/restaurants)

+$628 Citi 2% card (2% back everywhere - health insurance/medical is the big expenses that we charge, is more than our mortgage payments)

Grand Total = $3,389

I just want to add that historical figures below do also include bank bonuses. They just don't generally work very well for us so I do not utilize as much. (We did -0- bank bonuses in 2017).

Year 2011 = $4,164
Year 2012 = $2,782
Year 2013 = $2,623
Year 2014 = $3,128
Year 2015 = $2,585
Year 2016 = $1,906
Year 2017 = $3,389

Total 6 Years = $20,577
***Mostly Tax-Free Income***


Note: I have been tracking since 2011 because that's when the rewards got CRAZY. I have always utilized cash back on credit cards. It's just been extra rewarding during the past decade or so.

***CAVEAT - I absolutely do not recommend utilizing credit card rewards in this manner, unless you are in full control of your credit card spending. We treat our credit cards like debit cards; only charging if we have the cash on hand already.***

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This is where I am at as of November 30, 2017. I will revise at the end of December 2017. (It will be simple to just throw in December numbers. I wanted to do this now because cards like Target have a YTD total for rewards, but it will probably reset before I look at it again. So I am just tallying up now to make my life easier).

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