heres my current credit card stack for optimizing points in each category. i optimize for max dollar, derived from taking . the tpg valuation represents the average value per point in cents based on maximal value from transfer partners.
for example, in comparing citi custom cash vs amex gold in the grocery category: we can compare vs . in this comparison, since , citi custom cash is better than amex gold for grocery.
by card
| card | optimal categories | pts tpg valuation |
|---|---|---|
| amex gold | 4% dining, 4% grocery | 2.0 |
| citi custom cash mc | 5% top category | 1.8 |
| prime visa | 5% amazon | 1.0 (cash) |
| wells active cash visa | 2% all | 1.6 |
| costco visa | 4% gas, 2% costco | 1.0 (cash) |
| citi double cash mc | 2% all | 1.8 |
| bilt mc | 1% rent | 2.05 |
| venmo visa | 3% top category | 1.0 (cash) |
by category
| category | cards |
|---|---|
| dining | 4% amex gold (8), 3% freedom unlimited (6) |
| grocery | 5% citi custom cash top category (9), 4% amex gold (8) |
| gas | 5% citi custom cash (9), 4% Costco card (4) |
| amazon | 5% prime visa (5) |
| costco | 3% venmo visa (top category, 3), 2% costco citi visa (2) |
| all | 2% citi double cash mc (3.6) / wells active cash visa (3.2) |
| rent | bilt mc 1% (2.05) |