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Credit card bonus spending

February 25th, 2014 at 05:00 am

Time to see where I am with bonus spending. We've been using cards for medical bills, some vacation spending, bday gift buying, and charitable donations. I now have an 11th card because I opened a SW one to pay for my additional dental expenses I didn't think were coming.

CJ Capital One: reward received, canceled
NT Capital One: reward received, need to cancel
CJ BankAmericard: reward received, need to cancel
AS Chase Freedom: waiting for reward points to post
NT BankAmericard: waiting for reward points to post
CJ Discover: need to spend 7.82 more
AS BankAmericard: need to spend 54.27 more
AS Citi Dividend: need to spend 132.29 more
CJ Citi Dividend: need to spend 134.37 more
NT Citi Dividend: need to spend 500
CJ Chase Southwest Visa: need to spend 2000

So all told, we need to spend $2828.75 more. We'll put my bday party on NT's Citi card, which will be well over the $500 needed. I'll put my new dental bill (1785) on the new SW Visa. That will leave just $543.75. I'm taking my co-worker to lunch (expensing it) this Friday, which will be about $40. We're planning to go to dinner this Saturday ($75-$90?), and I'll probably shop for a new dress on Monday ($50-$75?). AS and I still have about $140 left to spend on NT's bday and they have about $45 left to spend on mine. And I can pay the cable bill in early March ($83.07). At the low end of those estimates, we'd then need to spend $110.68. Worst comes to worst, we buy little gift cards for places we already spend at already (Amazon, Target) to push us over the edge. I doubt it will come to that, since we tend to use our spending money for little purchases here and there that can add up.

The first 10 cards need to be spent up by the end of March, but we have longer on the SW card. Of course I want to get it spent up and canceled ASAP so I have a better chance of getting the annual fee refunded! I don't think it'll be a problem.

It's been a lot of work keeping these all straight, but it's definitely taken the sting out of some unexpected as well as predicted expenses. Counting the gift card value we'll get from SW (minus the annual fee in case we can't get it canceled), we'll clear $1560. I can deal with some math headaches for that kind of haul!

2 Responses to “Credit card bonus spending”

  1. PatientSaver Says:
    1393333937

    Excellent. I should really keep a spreadsheet to keep all my cards straight but i really use just scribbled notes to self. Smile
    If you see any great card offers out there, let us know!

  2. CB in the City Says:
    1393342090

    My poor brain would never be able to keep track!

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