Card Recommendations Beyond the PayPal 3% CB MC
Current cards:
Chase Freedom Unlimited $8.5k limit
Chase Freedom Flex $7k limit
Chase Sapphire Preferred $18.5k limit (will be PC'ed down in a couple of months)
FICO Score: 780 (Experian)
Oldest account age: 9 years 1 months
Chase 5/24 status: 1/24 (back down to 0 in October)
Income: $95,000
Average monthly spend and categories:
dining $400-500
groceries: $150
gas: $200
travel: $300 (sporadic, will be much lower in future)
other: $500+ (PayPal invoices)
Open to Business Cards: No
What's the purpose of your next card? Cashback
Do you have any cards you've been looking at?: Paypal 3% Cashback MC, possibly RH Gold
Are you OK with category spending or do you want a general spending card?: Preferably general spending, but am familiar and comfortable with category spending if better
Basically what I have in the title. I have a couple of big PP invoices coming up in the next month or two and wanted to see if anyone has anything better than 3% back from PayPal's MC. I am also a pretty big (relative) Paypal transaction spender. I heard some things about category spending 5% by buying gift cards but I'm not sure how available or possible that much in PP gift cards are. I did consider Robinhood Gold, but I don't think I'll get off wait-list in time for the invoices due if I joined today. Please share with me the collective subreddit wisdom! Thanks!