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Even though I’m team travel, I’m always so interested in 5x’ing all the things. Or to at least have that option. I also like the max cash rewards (cash plus clones). I would love to run a cash back set up one day!!

That’s a great rundown for cash back! The best I’ve seen. Great job! 👏🏻

As always fantastic content, I really like the board and it's a good thing to keep in mind just in case you pivot from travel to cash back.

The Cash+ is extrapowerful if your utility companies allow you to "pay in advance". My electric company allows me to add up to $1,000 at a time to my account via credit card for a flat $2.75 fee. I get a year's worth of electric bills (I live alone in a 1/1 condo, so not much need for electricity, and all other utilities are bundled into my HOA fee, so no earning power there) in one pass, freeing up three quarters a year to use this card on another category.

The KING of cashback himself!!! 👑I honestly really enjoyed this video. This is one of the things that makes the credit card game so fun to me. There are so many different setups that can be created to get you a ton of value, but this is definitely one (if not the best) cash-back setups you could have. Thanks for this one RJ!

Mr. Cash Back!!! 👑👑👑 It was pretty interesting to see which card matched up with each category. Thanks for the info + video!

The BCP at least for me is super easy to offset the annual fee with. I already subscribe to Disney+ bundle and that card has an $84 credit for the Disney bundle. So that makes the effective annual fee $11. That means if you spend over $183 in the 6% categories you are in the green for that card for the year. I like to cook for my family so that is surpassed quite easily. It’s really an awesome card! In 6-12 months I am going to think about applying for the Citi CC and the Chase FF. I have the Discover IT and I like the rotating 5% :)

The Bilt card could be your travel card if you rent, transferable points and no annual fee. Paying your rent could get you a free night or two in a Hyatt every year.

Love your videos Ryan! So Helpful! ❤🙂

Great Video! My favs for cashback setup are: Blue Cash Perfered Amazon Prime Citi Custom Citi Double Cash Chase Freedom Flex US Bank Cash+

Hey RJ I love the 5x videos!, I feel like you could have included the Amex Blue Cash Every Day that would have been a good second option to Gas Grocery & Shopping

Such a fun video! I think it's cool to see all the different variations to get 5X all the things! Thanks RJ!

I’m somewhere in the middle though I lean slightly more towards team cash back, but really I just want to get the highest return on my spend so this is a really helpful video.

Though my setup is mostly travel points, appreciate maximizing cash back, specially if it’s achievable without annual fees. Thank you again, awesome video.

Now maybe an option for five percent on grocers would be the *Comenity* AAA Daily Advantage card. And the duel setup of the Comenity AAA Travel Advantage card would be good for five percent on gas and electric charging stations. On a catch all in year one the Discover Miles plus a $100 sign up bonus though referral link. Good options overall, good sir, RJ.

Another interesting route is using cash back debit cards. The Juno debit card offers 5% cash back at 10 merchants of your choice from their list. The Albert debit card also has cash back on offers that you have to activate similar to the Cashapp Debit card. I also got an email saying that I believe was targeted from Gemini. They are offering 10% back in a crypto of your choice up to $200 a month in spend on gas at the pump or EV. This is a limited time offer for new and existing cardholders, and you must be approved on or prior to January 15, 2023.

RJ please do same for maximizing travel rewards across spend categories

do any of these cards actually include walmart and target?

People underestimate what I call the power 5 Citi set up. 3x Custom cash. (Grocery, Gas, Food) 5.55%back. The Citi Rewards +. (purchases under $2) Adds 10% to redemptions of all citi cards. Citi Double cash. 2.22% back. All with no AF. Of course others to round out other categories. But no one talks about having multiple Custom Cashes.

I would love to see a 5x Travel Edition. I assume that’s more work but you could limit it only to issuers that have travel partners and exclude co-branded cards to come up with an ideal setup.

I am a subscriber and I really appreciate this. I have over 25 cards and am currently at 5/24 until September. If I want a USBank Go card, should I wait until at least one drops off? (I already have USBank Business Cash for many years with huge limit)?

RJ, good job with your computer presentation,…. And out of your 24 listed cards here I only have one of them (Amex Gold) in my 10 cards setup. You can tell I am team travel ✈️🏨🍺

Team Cashback is king but so is team travel as well. Great Video as always.

I am gardening in case my wife and I buy a house next year, but I’d love to have multiple Citi Custom Cash as the endgame

Great video, thanks for the info 👍

BMO Harris cash rewards is a good card for streaming and cell phone/ ISP 5% & 3% groceries and gas. Affinity FCU cash rewards cards is also a great card

What do u think is better the citi DC or the CFU more towards travel but don’t mind the cash back

Besides the 2% catch all card, what card would you use for warehouse shopping?

Why are you "ALL"SLEEP at the wheel with the PayPal card???? 2% cashback on everything and 3% back on Paypal ?

I've been so burned on gift cards by online flippers who slowly turn into scams, glitches with online promos, or employees that return the wrong card with zero balance. We still buy gift cards, but only when they're at least 10-15% off, from a reputable source, and an employee never gets two gift cards at the same time. Big Costco, Sam's Club, and Cybermonday deals are about it. Otherwise I would rather just uses the best credit card with a merchant and not have to worry about it.

How long should you wait to apple for more cards if you just got 3 28 days ago? If you talked about this before can you add the link?

Does Huntington have airline transfer partners?.

HBO/ netflix Streaming can be 30-40 per month, might start using second custom cash for it

Can you apply for a second cash+ card if you have one already?

What about warehouse clubs ?

Second damn you beat me for a few seconds

With Trump running in 2024, hopefully we’ll get 5x terms from him!

I would personally add the Paceline card for 5% back drugstore/gym/groceries and more importantly 3% back everything else. The catch is the $60 AF but again you get $169 of giftcards back guaranteed ($39 in Amazon, $130 in Whole Foods/lululemon/Ukraine). Also the AAA cards one for 5x back groceries +3% wholesale clubs and one for 5x back gas + ev charging sounds like good options too, both with no AF

Based on your categories, here's what I've got currently Groceries: BCP 6% statement credits Phone/Internet: CIC 5x UR Dining: CFF 3x UR Gas: CFF 5x UR until Q4 next year Utilities: CIC 5x UR via VGC prepay or BBC 2% statement credits or PayPal MC 2% cash back Gym: BBC 2% statement credits/ PayPal MC 2% cash back Catchall: BBC 2% statement credits/ PayPal MC 2% cash back Shopping: Prime Visa 5% cash back / PayPal MC 3% cash back Gift Cards: CIC 5x UR (almost always VGC, Home Depot or Best Buy for me) Travel/Transit: CFF 5x UR / BCP 3% statement credits Rent: N/A for me Entertainment: BCP 6% statement credits (streaming only, but a huge category for me with YTTV/PPV) Rotating Categories: CFF and DIT I like to think this is a pretty robust setup that hits all the categories with a minimum of issuers which gives you a high concentration of rewards and """relationship""" For me personally, having cards from a dozen or more banks and issuers isn't as +EV as sticking with three or four of the top dogs. I've even considered dropping the PayPal MC because of Synchrony's history and the shenanigans that PayPal have been pulling recently, though I haven't had a bad experience myself. Chase and AmEx offers in particular go a long way towards me preferring these issuers and why I think the BBC is probably the best 2% catchall out there. Having access to the offers can lead to huge +EV. The Chase shopping portal can also get you a ton of extra multipliers, I like it much better than Rakuten or Honey etc. If I was going to add cards to this setup it would be CSR, CFU (hopefully with 5x gas/groceries), CCC, Cash+ in that order. I'd definitely product change my Discover Chrome to another DIT or NHL card in a heartbeat if Discover ever gave me the option. If you can get the BBC $500/$15k offer it's 5.33% catch all on up to $15k spend in the first year. Or just go into 4 player mode and churn Inks like the pros.