I am using a Savor One as my daily driver. It’s an excellent card and the 3% in groceries and dining covers two of my largest spend categories so it’s a great fit.
However, I still feel as though I’m leaving a lot on the table for everything else that only gets 1%. I am currently using a secondary Venmo Visa – mainly because I needed VISA exposure for costco. It’s an aesthetically pretty card but the lack of authorized users and only being able to manage the account inside the app are pretty big hindrances for me. I don’t think I’m going to stick with it.
Any recommendations for a complementary daily driver? I know I should just consider the WF Autograph but I REALLY hesitate to work with them just on principle.
I’ve been working on unlocking the 60k bonus travel points (80k when I signed up) on the Chase Sapphire Preferred card. It’s my first time getting a card specifically for the rewards and so far it’s going well. Depending on how I use the points, they should be valued at at least $800, which easily offsets the $95 annual fee.
ETA: As for being my daily driver, its 3x points on dining and groceries is nice, along with 5x on travel. The points are stacking up noticeably faster than my Discover cards did.
One way to think about the sign up bonus is 20% cash back, if it is $800 after spending $4000, as well as the points you earn for that spending.
There are cards where you can earn 40%, ie $200 back after spending $500, but you can only apply for so many cards per year, so it would be difficult to maximize your total cash back with these smaller cards.