The real question is did you take your hands off the wheel to say “WITH Dugroz Reports”? I’ll be disappointed if you didn’t do it out of habit 😂 Solid discussion Doug, thanks
The Chase Freedom Cards are absolutely old reliable's! I'll be downgrading my CSP to a Chase Freedom continuously every 4 years ro maximize Sapphire Bonuses.. But also to continue to increase my cap on the CFF rotating spend! Love the Ink Cards as a business No AF option too. Great video!
The plan for me and player two is to use two freedoms for grocery store/bjs gift cards when grocery stores and wholesale clubs are in the rounds. And while they aren’t, put cash into a sinking fund FOR this strategy. Intrest rates should help for the next year or so and we’ll see how it fairs when they (hopefully) go back down
So for each $1011.90 trip to the grocery store one can buy 5000 Chase UR points at 0.24 CPP. That's really good, but not as good as Staples fee free weeks or the gas station that will remain unnamed where each UR costs 0.0 CPP if one ignores the trouble of obtaining and using the GCs. Do you max out your (and P2's) $25K on those CICs every year? I have 2 CICs and can't max them out even though I do my best to live my life in $200 increments when not working a SUB or spend bonus.
We don't max it out all the time. Some quarters we do, some we come close, and some not so close. I sure could each quarter, but I don't always get around to it. (shrug). Thanks Jose!
@@DugrozReports I would argue that it would be better to use up all of ones CIC $25K 5X ceiling on office supply stores during fee free sales at staples, before considering any GC purchases at grocery stores for 5X on the Freedom. Am I missing anything? Grocery store points? Convenience?
@@JoseSantiago-yq7co I agree with you in a vacuum. Right now our CIC's are both (P2 and I) still in the first year and are being used for other things, including (but not limited to) 0% balances. But yes. I do plan to gradually ramp up to buying more of those sweet $200 fee-free Visas at Staples as this year progresses, and apply that to "non bonus" spend. Convenience is a factor also. (1 $500 load vs. 2.5 $200 loads)
Sent my P2 to Meijer's today to buy $1500 of Disney Gift cards on her Freedom card (7,500 UR points). The Meijer's mPerks are worth $150 in free groceries or up to $450 in free gas if you maximize it.
@@DugrozReports You can take 10,000 meijer points and get $10 off groceries or $1 off a gallon of gas (up to 30 gallons). My dad drives a F250 Heavy Duty snow plow gas guzzler with a 30+ gallon tank. He's retired and lives about 2 miles from Meijer - so we have him meet us there and park across the pump from our cars. We fill up P2 or daughter's car for 13-17 gallons and pass pump across the isle to his truck before it times out and he gets the gas up to the 30 gallons max. I believe she pays with a Meijer card for another 10 cents off a gallon and about a 1.5% rebate. Sometimes I take my mom's car and his truck. Gas is the best bang for your mPerks buck. $10 off in groceries becomes $30 off in gas. You get to do this 15x on $1500 of gift card purchase. 30x15 = $450. I figured out the original mPerks trick - my wife took it to a whole new level with gas redemptions.
Holding out on the Gas Station 411 on a members-only video - that's cold, bro. Hook a brother up. LOL. I love Amex Walmart+ grocery delivery. That was a coupon book lifestyle change enhancement - and I ditched Amazon Prime. I going to need to load up a Walmart gift card with some no-fee 5x visa cards when the office store promo rolls around.
@@chadpennycuff Not a gift card in person, just "loading the balance" online. I'm not sure exactly what terminology they use (wife does all the ordering!!! 😁 ). I will double check on that.
My Chase Freedom FLEX Referral: www.referyourchasecard.com/18o/VTCG6APBHQ
The real question is did you take your hands off the wheel to say “WITH Dugroz Reports”? I’ll be disappointed if you didn’t do it out of habit 😂 Solid discussion Doug, thanks
I was there in spirit, but tired to not crash. 😅🚗
Thanks Ryan!
The Chase Freedom Cards are absolutely old reliable's! I'll be downgrading my CSP to a Chase Freedom continuously every 4 years ro maximize Sapphire Bonuses.. But also to continue to increase my cap on the CFF rotating spend! Love the Ink Cards as a business No AF option too. Great video!
💯🔥🔥🔥 Agree, thanks Matt!
Thanks for the info + video!
JJ 🥳🥳🥳
The plan for me and player two is to use two freedoms for grocery store/bjs gift cards when grocery stores and wholesale clubs are in the rounds. And while they aren’t, put cash into a sinking fund FOR this strategy. Intrest rates should help for the next year or so and we’ll see how it fairs when they (hopefully) go back down
Thanks Finbarr!
Strategic spending, indeed!
Very interesting! Thank you! 😊
Thanks Fog Runnr!
Curious, do you know if Sam's counts for this quarters category?
It does not. That would be a different category.
Thanks Zach!
You earned a sub! Enjoy the break down. I just got the Flex. I already have the Freedom Unlimited and chase Sapphire Preferred 😊
Thanks Red!!!
Much appreciated! 😄
I love my freedom!
FREEDOM!!!!! (Braveheart voice. :) )
The ink cash 5x categories help out as well.
Very much so. Staples usually gets at least one visit every month. 🤓 Thanks, Engineer!
man i love this game :) thanks for the frugal points drive to listen to while I work.
Thanks for listening, Ryan! 🎖️🎖️🎖️
So for each $1011.90 trip to the grocery store one can buy 5000 Chase UR points at 0.24 CPP. That's really good, but not as good as Staples fee free weeks or the gas station that will remain unnamed where each UR costs 0.0 CPP if one ignores the trouble of obtaining and using the GCs. Do you max out your (and P2's) $25K on those CICs every year? I have 2 CICs and can't max them out even though I do my best to live my life in $200 increments when not working a SUB or spend bonus.
We don't max it out all the time. Some quarters we do, some we come close, and some not so close. I sure could each quarter, but I don't always get around to it. (shrug).
Thanks Jose!
@@DugrozReports I would argue that it would be better to use up all of ones CIC $25K 5X ceiling on office supply stores during fee free sales at staples, before considering any GC purchases at grocery stores for 5X on the Freedom. Am I missing anything? Grocery store points? Convenience?
@@JoseSantiago-yq7co I agree with you in a vacuum. Right now our CIC's are both (P2 and I) still in the first year and are being used for other things, including (but not limited to) 0% balances.
But yes. I do plan to gradually ramp up to buying more of those sweet $200 fee-free Visas at Staples as this year progresses, and apply that to "non bonus" spend.
Convenience is a factor also. (1 $500 load vs. 2.5 $200 loads)
@@DugrozReports I see. I was missing the introductory interest rate bit.
Do you sometimes use the same Gift Card strategy on the Citi Custom cash to max out $500 monthly for 5x?
I have, yes. Thanks Roddy!
Sent my P2 to Meijer's today to buy $1500 of Disney Gift cards on her Freedom card (7,500 UR points). The Meijer's mPerks are worth $150 in free groceries or up to $450 in free gas if you maximize it.
$450 ??? How ????
@@DugrozReports You can take 10,000 meijer points and get $10 off groceries or $1 off a gallon of gas (up to 30 gallons). My dad drives a F250 Heavy Duty snow plow gas guzzler with a 30+ gallon tank. He's retired and lives about 2 miles from Meijer - so we have him meet us there and park across the pump from our cars. We fill up P2 or daughter's car for 13-17 gallons and pass pump across the isle to his truck before it times out and he gets the gas up to the 30 gallons max. I believe she pays with a Meijer card for another 10 cents off a gallon and about a 1.5% rebate. Sometimes I take my mom's car and his truck. Gas is the best bang for your mPerks buck. $10 off in groceries becomes $30 off in gas. You get to do this 15x on $1500 of gift card purchase. 30x15 = $450. I figured out the original mPerks trick - my wife took it to a whole new level with gas redemptions.
Holding out on the Gas Station 411 on a members-only video - that's cold, bro. Hook a brother up. LOL. I love Amex Walmart+ grocery delivery. That was a coupon book lifestyle change enhancement - and I ditched Amazon Prime. I going to need to load up a Walmart gift card with some no-fee 5x visa cards when the office store promo rolls around.
🔥🔥🔥🔥🔥
It’s 1 specific gas station in Iowa. Not even a chain, just 1 location!!!! 😅🤓
@@DugrozReports are you using Walmart Gift card or Walmart Money Card? Gift card says not reloadable. Money card is.
@@chadpennycuff Not a gift card in person, just "loading the balance" online. I'm not sure exactly what terminology they use (wife does all the ordering!!! 😁 ). I will double check on that.
@@chadpennycuff I looked. Using the pre-paid VISA to buy a Walmart e-gift card, then load that into our account right away. No risk of losing. :)
Good strategy Doug! Thanks for the information!🫵
Welcome! 👍👍👍