Ben Chuanlong Du's Blog

It is never too late to learn.

Recommendation of Credit Card Usage

Things on this page are fragmentary and immature notes/thoughts of the author. Please read with your own judgement!

Tips and Traps

  1. Costco is a wholesale. It is not considered as a grocery or supermarket for cashback bonus purposes.

  2. Overall, AMEX is great for traveling purchases and restaurants spending.

Glossory

  • ASC: Amazon Store Card
  • RGC: Robinhood Gold Card
  • BOA-V: BOA Visa Card
  • BOA-M: BOA Master Card
  • AMEX-G: AMEX Golden Card
  • AMEX-M: AMEX Macy Card
Category Coupon/Credit >=10% >=5% >=4% >=3.5% >=3% >=2.5% >=2% >=1.5%
Costco RGC BOA-M
Citi-C
AMEX-M
Amazon ASC [3]
BOA-V
RGC
BOA-V
Other
Online
Shopping
BOA-V
RGC
BOA-V
Restaurant AMEX-G RGC
AMEX-M
Citi-C
Supermarket AMEX-G RGC AMEX-M
Other
Grocery
RGC BOA-M
Macys AMEX-M
AMEX-M
RGC
Uber
Eats
AMEX-G: 10$/mo AMEX-G RGC
AMEX-M
Airline
check-in
bag
AMEX-G: $100/yr
BOA-V: $100/yr
RGC
Flight RGC
AMEX-G [1]
BOA-V
Travel RGC [4] RGC
Citi-C [2]
BOA-V
Hotel IHG RGC
Car
Rental
AMEX? RGC
Home
Improvement
& Furnishings
BOA-M
RGC
Gas Citi-C RGC AMEX-M
EV Charging Citi-C RGC
Other RGC AMEX-M
  • [1]: For flights booked directly with airlines or on amextravel.com.
  • [2]: On eligible travel purchases only
  • [3]: Amazon Prime membership is required to enjoy the discount.
  • [4]: Robinhood Gold Card gives you 5% cash back when you book travel through the all-new Robinhood travel portal. For more details, please refer to Robinhood Gold Card waitlist .

Offers

Credit Cards Without Foreign Transaction Fees

  • Robinhood Gold Card
  • AMEX

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