5X Everywhere

Dec 18, 2012Download as PPTX, PDF1 like580 views

This document discusses various strategies for maximizing rewards points from credit card spending, including using merchant gift cards and reload cards. It compares the points earned, costs, and pain levels of different strategies like using vanilla reload cards with Bluebird to earn 5x points on all expenses versus more traditional category bonus credit cards that earn around 3x points. Strategies that combine reload and gift cards can earn over 250,000 points annually but require more effort to execute. Federal tax payments can also be made with gift cards to earn substantial rewards.

Big Scores

Credit
card
churning Mega
shopping
deals
Category
bonuses

The Original 5X Everywhere
��One Card to Rule them All��

Then came Bluebird
5X everywhere + Bill Pay!

5X Options Compared

Option Cost to load Fee % ATM? Bill Pay?
$500
Vanilla Visa $4.95 .99 No No
Vanilla Visa + $6.45 1.29 Yes No
Target
Vanilla Visa + $8.90 1.78 Yes Yes
Vanilla Reload
Hilton Amex + $3.95 .79 Yes Yes
Vanilla Reload
Forward 5X $3.95 .79 Yes No

Living 1X

Consider these example annual expenses:
? $20K credit card spend
? $25K checks and bank transfers
? $5K ATM withdrawals

Points per year earned from typical credit card:
$20K spend X 1 = 20,000 points

Category Bonuses
6X
5X groceries,
telecom, gas, drug
cable, stores
internet,
office supply

2X 5X
Travel, restaurants,
(restaurants) bookstores,
movies

Average ~3X
Points per year earned:
$20K spend X 3 = 60,000 points

5X : Vanilla Visa & merchant gift cards

Average ~5X
Annual cost depends on gift cards used: ~$120

Points per year earned:
$20K spend X 5 = 100,000 points
(or 88,000 for free)

5X: Vanilla Visa + Target

Average 5X across all credit and cash expenses
Annual cost: ~$325

Points per year earned:
$25K spend X 5 = 125,000 points
(or 92,500 for free)

5X: Forward

Average 5X across all credit and cash expenses
Annual cost: ~$200

Points per year earned:
$25K spend X 5 = 125,000 points*
(or 105,000 for free)
* $1K limit may be a deal breaker

5X: Vanilla Visa + Vanilla Reload

Average 5X across all expenses
Annual cost: $890

Points per year earned:
$50K spend X 5 = 250,000 points
(or 161,000 for free)

6X: Hilton Amex + Vanilla Reload

Average 6X across all expenses
Annual cost: $395

Points per year earned:
$50K spend X 6 = 300,000 points
(but, points are not as valuable)

Beyond 5X Everywhere

? Pay all credit charges with best credit card
? $20K X 3 = 60K points
? Pay all bills (including credit card bills) & ATM with Bluebird
? $50K X 5 = 250K points

Annual cost: $890
Points per year earned:
310,000
(or 221,000 for free)

Life Beyond 5X

Once a week:
? [Go to Office Depot, buy two $500 Vanilla Visa cards]
? Go to drug store, buy two Vanilla Reload cards
? Go home, load Vanilla Reload cards to Bluebird
? Use Bluebird to pay bills & transfer money to checking

As needed:
? Use best credit card for purchases
? Use Bluebird for ATM

Comparing Techniques
Technique Points Cost Cost per Pain
Earned Point
1X 20K $0 $0 None
Category Bonuses ~3X 60K $0 $0 Low
Vanilla Visa + Gift Cards 100K ~$120 $0.0012 High
Forward B&N 125K ~$200 $0.0016 Medium
Vanilla Visa + Target 125K ~$320 $0.0026 High
Vanilla Visa + Vanilla 250K $890 $0.0036 High
Reload
Hilton + Vanilla Reload 300K $395 $0.0013 Medium
Beyond 5X 310K $890 $0.0029 High

A moving target
CVS

Office
Depot

Wal-
greens

Federal Taxes, Two Good Options
For example, assume $20K in taxes��

? Pay with mile earning debit card (e.g. SunTrust Delta
card):
? Earn 1 mile per dollar
? Cost = $3.49
? Miles earned = 20,000
? Pay with gift cards:
? Buy 40 $500 Visa cards at 5X
? Call Official Payments and use cards as debit cards
? Cost = $356
? Miles earned = 100,000 (or 64,400 free)

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5X Everywhere

1. Or more!

2. Big Scores Credit card churning Mega shopping deals Category bonuses

3. First, a moment of ��Գ��

4. The Original 5X Everywhere ��One Card to Rule them All��

5. Then came Bluebird 5X everywhere + Bill Pay!

6. Another moment of ��Գ��

7. 5X Everywhere Lives On

8. Vanilla Visa & Merchant Gift cards

9. Vanilla Visa + Target

10. Vanilla Visa + Vanilla Reload

11. Hilton Amex + Vanilla Reload 6X

12. Forward 5X

13. 5X Options Compared Option Cost to load Fee % ATM? Bill Pay? $500 Vanilla Visa $4.95 .99 No No Vanilla Visa + $6.45 1.29 Yes No Target Vanilla Visa + $8.90 1.78 Yes Yes Vanilla Reload Hilton Amex + $3.95 .79 Yes Yes Vanilla Reload Forward 5X $3.95 .79 Yes No

14. How big is this?

15. Living 1X Consider these example annual expenses: ? $20K credit card spend ? $25K checks and bank transfers ? $5K ATM withdrawals Points per year earned from typical credit card: $20K spend X 1 = 20,000 points

16. Category Bonuses 6X 5X groceries, telecom, gas, drug cable, stores internet, office supply 2X 5X Travel, restaurants, (restaurants) bookstores, movies Average ~3X Points per year earned: $20K spend X 3 = 60,000 points

17. 5X : Vanilla Visa & merchant gift cards Average ~5X Annual cost depends on gift cards used: ~$120 Points per year earned: $20K spend X 5 = 100,000 points (or 88,000 for free)

18. 5X: Vanilla Visa + Target Average 5X across all credit and cash expenses Annual cost: ~$325 Points per year earned: $25K spend X 5 = 125,000 points (or 92,500 for free)

19. 5X: Forward Average 5X across all credit and cash expenses Annual cost: ~$200 Points per year earned: $25K spend X 5 = 125,000 points* (or 105,000 for free) * $1K limit may be a deal breaker

20. 5X: Vanilla Visa + Vanilla Reload Average 5X across all expenses Annual cost: $890 Points per year earned: $50K spend X 5 = 250,000 points (or 161,000 for free)

21. 6X: Hilton Amex + Vanilla Reload Average 6X across all expenses Annual cost: $395 Points per year earned: $50K spend X 6 = 300,000 points (but, points are not as valuable)

22. Beyond 5X

23. Beyond 5X Everywhere ? Pay all credit charges with best credit card ? $20K X 3 = 60K points ? Pay all bills (including credit card bills) & ATM with Bluebird ? $50K X 5 = 250K points Annual cost: $890 Points per year earned: 310,000 (or 221,000 for free)

24. Life Beyond 5X Once a week: ? [Go to Office Depot, buy two $500 Vanilla Visa cards] ? Go to drug store, buy two Vanilla Reload cards ? Go home, load Vanilla Reload cards to Bluebird ? Use Bluebird to pay bills & transfer money to checking As needed: ? Use best credit card for purchases ? Use Bluebird for ATM

25. Comparing Techniques Technique Points Cost Cost per Pain Earned Point 1X 20K $0 $0 None Category Bonuses ~3X 60K $0 $0 Low Vanilla Visa + Gift Cards 100K ~$120 $0.0012 High Forward B&N 125K ~$200 $0.0016 Medium Vanilla Visa + Target 125K ~$320 $0.0026 High Vanilla Visa + Vanilla 250K $890 $0.0036 High Reload Hilton + Vanilla Reload 300K $395 $0.0013 Medium Beyond 5X 310K $890 $0.0029 High

26. A moving target CVS Office Depot Wal- greens

27. Use Caution

28. Questions?

29. Reload Cards

30. Paying Federal Taxes

31. Federal Taxes, Two Good Options For example, assume $20K in taxes�� ? Pay with mile earning debit card (e.g. SunTrust Delta card): ? Earn 1 mile per dollar ? Cost = $3.49 ? Miles earned = 20,000 ? Pay with gift cards: ? Buy 40 $500 Visa cards at 5X ? Call Official Payments and use cards as debit cards ? Cost = $356 ? Miles earned = 100,000 (or 64,400 free)

Editor's Notes

#18: Assume 25 $500 Visas @ $4.95 = $123.50
#19: 50 $500 Visas at $4.95 = $247.5025 Target loads at $3 = $75Total: $322.50
#20: 50 loads at $3.95 = $197
#21: 100 $500 Visa or Amex cards @ $4.95 each = $495100 $500 Vanilla Reload cards @ $3.95 each = $395
#22: 100 $500 Vanilla Reload cards @ $3.95 each = $395
#24: More than 15 times more than 1X scenario!100 $500 Visa or Amex cards @ $4.95 each = $495100 $500 Vanilla Reload cards @ $3.95 each = $395
#32: $4.95 per Visa + $3.95 per debit transaction = $8.90 per payment40 payments = $356

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5X Everywhere

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Editor's Notes