The Lineup at 21yo
FICO: 755
My setup aims to minimize time reconciling month to month while maximizing cashback. It’s not perfect but for a no annual fee cashback focused lineup it’s decent. Robinhood gold card does require gold subscription but my investment accounts are with them.
Business:
Robinhood gold card 3% CB: Catch all business spend
PayPal Mastercard 3% CB on all online purchases through PayPal: shipping labels eBay
Personal:
- AAA Signature Visa 5% CB groceries and 3% Gas in addition I use Upside and Casey’s rewards for extra CB
- Citi Custom Cash 5% CB for the first $500 in spend
on your top spend category. It’ll drop to 1% if you go over that. I use mine for Restaurants
- Citi Double Cash 2% CB for big personal purchases
Any other spend is on debit cards which are Kasasa rewards accounts as well.