How I Spread Out Our Credit Card Spending For The First Half Of 2019

It’s now the second half of 2019. Besides being a good time to look at how we’re doing on our New Year’s Resolutions (I’ve joined a gym but I’m not going as much as I’d like), it’s as good of a time as any to look at our points and miles situation.

Some bloggers are looking at their progression on qualifying for status with airlines or hotels (Ben from One Mile at a Time wrote about his progression, and congrats to him for figuring out it doesn’t pay to be loyal). Since I couldn’t care less how many nights I’ve stayed at a hotel chain or how many miles I’ve flown with an airline, what can I look at?

After sign up bonuses for credit cards, ongoing spend is the next most important way I accumulate points and miles. Looking into where I’m putting that spend and if it fits the plan I have for our points earning is a smart thing to do.

Thanks to Quicken and some scrap paper, here’s a breakdown of our spending for the first six months of 2019.

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The Best Credit Card To Pay For Online Music And Satelite Radio Subscriptions

Remember the time when radio was free? True, we had to listen to commercials but that was a little price to pay to listen to the same 10 songs over and over and over again.

Today, we can listen to whatever music we want, wherever we want. At home, at work, in the car, at the gym or even when while traveling anywhere around the world, our music is only as far away as our connected device. This convenience comes at a price, a subscription (or multiple subscriptions) to music streaming services. Isn’t that worth not having to listen to annoying commercials or that one song that’s amazingly popular but you just can’t stand?

Like any recurring expense, you should be trying to maximize the rewards you earn for all the money you spend on online music subscriptions and satellite radio. There used to be one card to rule them all in this category, and it doesn’t even have an annual fee.

(Links to sign up for credit cards from this article or from our card reviews may pay us a  referral bonus)

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Credit Card Review: Chase Ink Cash

If I have to choose what type to points to earn for purchases, transferrable points currencies will always be at the top of the list. Chase Ultimate Rewards, a form of transferable points, is always an account I need to replenish. Next to signing up for new credit cards for bonuses, earning points for everyday spending is the best way for us to earn points. One of our biggest monthly expenses is our internet and cell phone bill and by having this card, I can earn 5x points on both of those in my sleep.

I’m dating myself here but originally, we didn’t have this card. Back in the day, Sharon applied for the Chase Ink Business Bold card. Back then, the Bold was a charge card and you needed to pay the balance in full every month. Chase eventually turned it into a credit card and stopped new signups since it was exactly the same as the Chase Ink Plus. You can add the Ink Bold to the list of discontinued credit cards that we’ve owned.

chase-ink-bold

We kept the card for a while after it was phased out and eventually decided to downgrade to the Chase Ink Cash card instead of having to continue paying the annual fee to keep the Ink Bold.

I think it was the right decision, as the Ink Cash keeps all the benefits of its predecessor but doesn’t charge an annual fee. At the time, the Ink Cash card didn’t pay a sign-up bonus but now that it does, it makes more sense than ever to sign up for it.

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Why I Choose To Earn Fewer​ Points On My Cell​ Phone Bill Each Month

Earning points on recurring charges, like your cell phone bill, is an easy way to build your balances without much effort. All you need to do is set up a monthly payment with the card you have that earns the biggest bonus for that category and you’re set. I have a card that earns 5x points on telecommunication charges, so why would I willingly choose to pay my bill each month with a card that earns less?

When making decisions like this, I rarely just pick the card that earns the most points. While that’s a major factor in my decision, there are several other things that can influence me to use another card. As I’ve written before, I’m generally a risk-averse person and if I have to give up a few miles here and there for a little piece of security, that’s a choice I’ll usually make.

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