Credit Card Reward Percentages

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Every credit card offers different rewards. For example, my Citi Dividend card offers 5% cash back at drugstores this quarter which makes it perfect for buying Vanilla Reloads, while my American Express Blue Cash Preferred offers 6% cash back at grocery stores, which makes it great for buying Visa gift cards. When you are MSing it is very important that you are buying the points for less than they are worth, otherwise this game would be pointless (ha!). So, I have put together an estimated point value system that includes the Southwest Devaluation and the United Devaluation.

Point Values

ProgramValue
Ultimate Rewards1.5
American Airlines1.5
Starwood Preferred1.5
Membership Rewards1.5
United Airlines1.1
Delta Airlines0.8
Hilton0.7
Fairmont1
Southwest1.4
These point values are estimated.

The next table gives you an idea of your cost per point based on what percentage card you are using. Of course, you cannot always be using a 3-6% cash back/miles card, but try to use the card that gives you the best percentage back. This will require a lot of trial and error, to see which stores will accept credit cards and fit your categories.

     
1% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.951054.7
Staples, OM, OD Visa GC2006.952073.4
Family Fare Visa GC5004.955051.0
Speedway Visa GC5004.955051.0
CVS Visa GC5004.955051.0
CVS Vanilla Reload5003.955040.8
2% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.952102.4
Staples, OM, OD Visa GC2006.954141.7
Family Fare Visa GC5004.951,0100.5
Speedway Visa GC5004.951,0100.5
CVS Visa GC5004.951,0100.5
CVS Vanilla Reload5003.951,0080.4
3% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.953151.6
Staples, OM, OD Visa GC2006.956211.1
Family Fare Visa GC5004.951,5150.3
Speedway Visa GC5004.951,5150.3
CVS Visa GC5004.951,5150.3
CVS Vanilla Reload5003.951,5120.3
4% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.954201.2
Staples, OM, OD Visa GC2006.958280.8
Family Fare Visa GC5004.952,0200.2
Speedway Visa GC5004.952,0200.2
CVS Visa GC5004.952,0200.2
CVS Vanilla Reload5003.952,0160.2
5% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.955250.9
Staples, OM, OD Visa GC2006.951,0350.7
Family Fare Visa GC5004.952,5250.2
Speedway Visa GC5004.952,5250.2
CVS Visa GC5004.952,5250.2
CVS Vanilla Reload5003.952,5200.2
6% Credit Card
DenominationCostPoints/Miles GainedCost Per Point (cents)
Meijer Visa GC1004.956300.8
Staples, OM, OD Visa GC2006.951,2420.6
Family Fare Visa GC5004.953,0300.2
Speedway Visa GC5004.953,0300.2
CVS Visa GC5004.953,0300.2
CVS Vanilla Reload5003.953,0240.1
I will be going over a few great credit cards with high percentage rewards categories very soon, so stay tuned! In fact, why not Subscribe? You can do that on the right sidebar.

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