Blue Cash Blue Cash Costco
Blue Cash Everyday Preferred Amex Chase Freedom
Annual Fee $ - $ - $ 75.00 $50
Upper Tier Minimum Spend $ 6,500.00 $ - $ - $ -
Lower Tier CB
Supermarket 1.00% 3.00% 6.00% 1.00% 3.00%
Gas 1.00% 2.00% 3.00% 3.00% 3.00%
Dept Store 0.50% 2.00% 3.00% 1.00% 1.00%
Drugstore 1.00% 1.00% 1.00% 1.00% 3.00%
Restaurants 0.50% 1.00% 1.00% 3.00% 1.00%
Travel 0.50% 1.00% 1.00% 2.00% 1.00%
Everything Else 0.50% 1.00% 1.00% 1.00% 1.00%
Upper Tier CB
Supermarket 5.00% 3.00% 6.00% 1.00% 3.00%
Gas 5.00% 2.00% 3.00% 3.00% 3.00%
Dept Store 1.25% 2.00% 3.00% 1.00% 1.00%
Drugstore 5.00% 1.00% 1.00% 1.00% 3.00%
Restaurants 1.25% 1.00% 1.00% 3.00% 1.00%
Travel 1.25% 1.00% 1.00% 2.00% 1.00%
Everything Else 1.25% 1.00% 1.00% 1.00% 1.00%
Effective CB
Supermarket 3.84% 3.00% 6.00% 1.00% 3.00%
Gas 3.84% 2.00% 3.00% 3.00% 3.00%
Dept Store 1.03% 2.00% 3.00% 1.00% 1.00%
Drugstore 3.84% 1.00% 1.00% 1.00% 3.00%
Restaurants 1.03% 1.00% 1.00% 3.00% 1.00%
Travel 1.03% 1.00% 1.00% 2.00% 1.00%
Everything Else 1.03% 1.00% 1.00% 1.00% 1.00%
Cashback after Annual Fee $ 401.17 $ 320.00 $ 365.00 $ 275.00 $ 345.00
*Calculation based on same category distribution for lower & upper tiers
Penfed 2% card
1.00% 2.00%
5.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
5.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
5.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
1.00% 2.00%
$ 305.00 $ 450.00
Instructions:
Enter total annual charged for each category in the green boxes
Your Spending Habits Yearly Charged Monthly Charged
Supermarket % $ 2,500.00 /yr = $ 208.33 /month
Gas % $ 2,000.00 /yr = $ 166.67 /month
Dept Store % $ 2,500.00 /yr = $ 208.33 /month
Drugstore % $ 1,500.00 /yr = $ 125.00 /month
Restaurants $ 2,000.00 /yr = $ 166.67 /month
Travel $ 2,000.00 /yr = $ 166.67 /month
Everything Else % $ 10,000.00 /yr = $ 833.33 /month
Total Charged $ 22,500.00 /yr = $ 1,875.00 /month