Day: March 15, 2021

Do this now:

  1. Register your Discover IT cards for Q2 bonuses
  2. Register your Chase Freedom cards for Q2 bonuses
  3. Register your US Bank Cash+ cards for Q2 bonuses

Spend strategies:

  • Discover
    • Gas
      • Buy Visas to convert to money orders; 7-11s and Speedways are usually the easiest, but definitely not the only options
      • Buy BestBuy gift cards and resell, but wait for the market to come back to 98-99% (should happen by the end of Q2)
      • Fill your car up? I won’t be doing this though, I have plenty of Kroger 6x fuel points to liquidate.
    • Wholesale
      • Buy MetaBank gift cards at Sam’s club if you can liquidate
      • Buy 3rd party gift cards during periodic sales and resell
    • Streaming Services
      • Load your Apple Wallet balance
      • Pay (and pre-pay) streaming (Netflix / Disney+ / etc)
  • Chase Freedom / Freedom Flex
    • Gas
      • Buy Visas and use to convert to a money order. 7-11s and Speedways are usually the easiest, but definitely not the only options.
      • Buy BestBuy gift cards and resell, but wait for the market to come back (should happen by the end of Q2)
      • Fill your car up? I still won’t be doing this though, see above.
    • Home Improvement Stores
      • Buy gift cards to resell
      • Buy Amazon cards to load to your account, giving you effectively 5x at Amazon
      • Buy and liquidate Visa Gift Cards
  • US Bank Cash+
    • Electronic Stores
      • Buy BestBuy gift cards and resell (but wait for the market to come back, which should happen near the end of the quarter)
    • TV, Internet, and Streaming
      • Load your Apple Wallet balance
      • Pay (and pre-pay) streaming (Netflix / Disney+ / etc)
    • Cell phone providers
      • Pre-pay your bill

All of these cards are no-annual fee cards. If you have a premium card from Chase, Bank of America, Discover, or US Bank, consider converting it to one of these cards. You don’t have to wait until the annual fee posts either, most banks will pro-rate the annual fee right when you downgrade.

General reminder on no-annual fee BoA cards: Lots of things count as 3x “Online Spend” or “Business Services” with the Cash Rewards family of cards. Also, even within the BoA Cash Rewards family, Visa is not the same as Mastercard. Go punch drunk on this one.

Picture of a person in a black leather jacket laying on the curb, clutching a bottle of alcohol. A wine bottle and other bottles litter the ground.
Punch drunk on 5x cards. Also booze.