5% solution - Revision history

Editor: /* Step 3: Use the Altitude Reserve when it make sense */

2021-08-12T03:56:45Z

‎Step 3: Use the Altitude Reserve when it make sense

Editor at 03:56, 12 August 2021

2021-08-12T03:56:19Z

Editor: /* Step 1: Use cards with high bonus category reward rates */

2021-06-26T00:18:03Z

‎Step 1: Use cards with high bonus category reward rates

Editor: /* Step 1: Use cards with high bonus category reward rates */

2021-06-14T16:10:36Z

‎Step 1: Use cards with high bonus category reward rates

Editor: Editor moved page 5% Solution to 5% solution without leaving a redirect

2021-02-18T23:36:56Z

Editor moved page 5% Solution to 5% solution without leaving a redirect

Editor at 21:36, 12 February 2021

2021-02-12T21:36:17Z

Editor at 06:20, 11 January 2021

2021-01-11T06:20:25Z

Editor: /* Step 1: Use cards with high bonus category reward rates */

2020-10-01T20:25:44Z

‎Step 1: Use cards with high bonus category reward rates

Editor: /* Step 1: Use cards with high bonus category reward rates */

2020-10-01T20:24:43Z

‎Step 1: Use cards with high bonus category reward rates

Editor at 20:18, 1 October 2020

2020-10-01T20:18:19Z

@@ Line 131: / Line 131: @@
 {{Card|Freedom|guide}}
-=== Step 3: Use the Altitude Reserve when it make sense ===
+=== Step 3: Use the Altitude Reserve when it makes sense ===
 <ul class="bulletlist">

@@ Line 43: / Line 43: @@
 |-
 |Dining
-|{{Value|UR|3}}% w/{{Card|SapphireReserve|short}} ($250) or the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} in combination with the {{Card|SapphirePreferred|only}} or {{Card|InkPreferred|only}} ($95) or 5-5.5% with {{Card|CitiPrestige|short}} ($245)
+|{{Value|UR|3}}% w/{{Card|SapphireReserve|short}} ($250), {{Card|SapphirePreferred|only}} ($65) or the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} in combination with the {{Card|InkPreferred|only}} ($95) or 5-5.5% with {{Card|CitiPrestige|short}} ($245)
 |5-5.5x w/{{Card|CitiPrestige|short}} ($245),  4x w/{{Card|PremierRewards|short}} ($140 US Only), 3x w/one of the Chase options to the left, 3x w/{{Card|CitiPremier|short}} ($95).
-|6% with Amex Gold plus Amex Platinum, 5-5.5% w/{{Card|CitiPrestige|short}} ($245), or 4.5% w/{{Card|SapphireReserve|short}} ($150).
+|6% with Amex Gold plus Amex Platinum, 5-5.5% w/{{Card|CitiPrestige|short}} ($245), or 4.5% w/{{Card|SapphireReserve|short}} ($250).
 |-
 |Airfare
@@ Line 52: / Line 52: @@
 |7.5% with {{Card|PlatinumBiz|short}}, 4.5% w/{{Card|SapphireReserve|short}}, 4.5% w/{{Card|Altitude|short}} ($75), or 5-5.5% w/{{Card|CitiPrestige|short}}.
 |-
-|Travel bought through Chase
+|Airfare and other travel bought through Chase
-|{{Value|UR|5}}% with the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} in combination with the {{Card|SapphirePreferred|only}} or {{Card|InkPreferred|only}} ($95)
+|{{Value|UR|5}}% with the {{Card|SapphireReserve|short}} ($250), {{Card|SapphirePreferred|only}} ($65) or the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} in combination with the {{Card|InkPreferred|only}} ($95). The Sapphire Reserve is {{Value|UR|10}}% for hotels and car rentals through Chase.
-|5x UR Points with one of the Chase combo options
+|5x UR Points with one of the Chase options
-|6.25% with one of the Chase combo options ($95) or 5% with the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} alone.
+|7.5% with the Sapphire Reserve ($250), 6.25% with the Sapphire Preferred ($65) or the Ink Preferred Combo ($95) or 5% with the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} alone.
 |-
 |Other Travel

@@ Line 97: / Line 97: @@
 <li>'''Biz Platinum combination'''. If you have the {{Card|PlatinumBiz|only}}, you receive a 35% rebate when you cash out your points by purchasing airfare for your preferred airline or for any premium-class ticket. This lets you cash out your Membership Rewards points worth for over 1.5 cents each. Unfortunately, the Biz Platinum card has a massive $595 annual fee. You can take advantage of some credits to partially offset the fee, but you will wind up paying a lot for this option.</li>
-<li>'''Other Amex possibilities'''. The the {{Card|PlatinumSchwab|only}} lets you transfer Membership Rewards points to your Schwab account at 1.25 cents each. The {{Card|GoldBiz|only}} gives you a 25% rebate for airfare purchases (rather than the Business Platinum's 35%). This works out to 1.33 cents each.</li>
+<li>'''Other Amex possibilities'''. The the {{Card|PlatinumSchwab|only}} lets you transfer Membership Rewards points to your Schwab account at 1.1 cents each (1.25 cents until September). The {{Card|GoldBiz|only}} gives you a 25% rebate for airfare purchases (rather than the Business Platinum's 35%). This works out to 1.33 cents each.</li>
 </ul>
 {{/Box}}

@@ Line 45: / Line 45: @@
 |{{Value|UR|3}}% w/{{Card|SapphireReserve|short}} ($250) or the {{Card|Freedom|only}} or {{Card|FreedomUnlimited|only}} in combination with the {{Card|SapphirePreferred|only}} or {{Card|InkPreferred|only}} ($95) or 5-5.5% with {{Card|CitiPrestige|short}} ($245)
 |5-5.5x w/{{Card|CitiPrestige|short}} ($245),  4x w/{{Card|PremierRewards|short}} ($140 US Only), 3x w/one of the Chase options to the left, 3x w/{{Card|CitiPremier|short}} ($95).
-|6% with Amex Gold plus Amex Platinum, 5-5.5% w/{{Card|CitiPrestige|short}} ($245), 4.5% w/{{Card|SapphireReserve|short}} ($150), 4.5% w/Wells Fargo Combination ($0)
+|6% with Amex Gold plus Amex Platinum, 5-5.5% w/{{Card|CitiPrestige|short}} ($245), or 4.5% w/{{Card|SapphireReserve|short}} ($150).
 |-
 |Airfare
 |7.5% with {{Card|PlatinumBiz|short}}, {{Value|UR|3}}% w/{{Card|SapphireReserve|short}}, 5% with {{Card|Platinum|short}}, 5-5.5% with {{Card|CitiPrestige|short}} ($245, but no travel insurance)
 |5x w/{{Card|PlatinumCard|short}} or 5x w/{{Card|CitiPrestige|short}} (but no travel insurance)
-|7.5% with {{Card|PlatinumBiz|short}}, 4.5% w/Wells Fargo combination ($0), 4.5% w/{{Card|SapphireReserve|short}}, 4.5% w/{{Card|Altitude|short}} ($75), or 5-5.5% w/{{Card|CitiPrestige|short}}.
+|7.5% with {{Card|PlatinumBiz|short}}, 4.5% w/{{Card|SapphireReserve|short}}, 4.5% w/{{Card|Altitude|short}} ($75), or 5-5.5% w/{{Card|CitiPrestige|short}}.
 |-
 |Travel bought through Chase
@@ Line 60: / Line 60: @@
 |{{Value|UR|3}}% w/{{Card|SapphireReserve|short}}
 |3x w/{{Card|SapphireReserve|short}}, 3x w/{{Card|GreenCard|short}} ($150), 3x w/{{Card|CitiPremier|short}} ($95, hotels and online travel agencies only), 3x w/{{Card|CitiPrestige|short}} (hotels, online travel agencies, cruises only).
-|4.5% w/{{Card|SapphireReserve|short}}, {{Card|Altitude|short}}, or Wells Fargo combination.
+|4.5% w/{{Card|SapphireReserve|short}}, or {{Card|Altitude|short}}.
 |-
 |Groceries
@@ Line 94: / Line 94: @@
 <ul class="bulletlist">
 <li>'''ThankYou combination'''. If you have the {{Card|RewardsPlus|only}} (no annual fee), you get a 10% rebate when you redeem your points. </li>
 <li>'''Biz Platinum combination'''. If you have the {{Card|PlatinumBiz|only}}, you receive a 35% rebate when you cash out your points by purchasing airfare for your preferred airline or for any premium-class ticket. This lets you cash out your Membership Rewards points worth for over 1.5 cents each. Unfortunately, the Biz Platinum card has a massive $595 annual fee. You can take advantage of some credits to partially offset the fee, but you will wind up paying a lot for this option.</li>

@@ Line 1: / Line 1: @@
 {{DISPLAYTITLE:{{Title|5 Percent}} (2021)}}
-{{Page|article|card strategies}}
+{{Page|article|earn points|advanced optimization}}
 {{Image|5percent.png|full}}

← Older revision	Revision as of 23:36, 18 February 2021
(No difference)

← Older revision		Revision as of 06:20, 11 January 2021
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−	{{DISPLAYTITLE:{{Title\|5 Percent}} (~~2020~~)}}	+	{{DISPLAYTITLE:{{Title\|5 Percent}} (2021)}}
	{{Page\|article\|card strategies}}		{{Page\|article\|card strategies}}

@@ Line 68: / Line 68: @@
 |-
 |Gas
-|A few different potential options for up to 5%
+|A few different potential options for up to 5.5%
 |3x w/{{Card|CitiPremier|short}} ($95)
 |A few different potential options for up to 5%