# The Credit Thread

**URL:** <https://forum.leasehackr.com/t/the-credit-thread/185605>\
**Category:** Wiki\
**Created:** [October 13, 2019, 2:00pm UTC](https://forum.leasehackr.com/t/the-credit-thread/185605 "2019-10-13T14:00:09Z")\
**Posts on this page:** 1\
**Showing post:** 156

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**Author:** ![trism](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/trism/32/26973_2.png) [@trism](https://forum.leasehackr.com/u/trism)\
**Post date:** [April 16, 2020, 2:21pm UTC](https://forum.leasehackr.com/t/the-credit-thread/185605/156 "2020-04-16T14:21:18Z")

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> [@Mortgage Hackr?](https://forum.leasehackr.com/t/mortgage-hackr/9574/674):
>
> 4x on “groceries” makes it worth it for some people

Agreed, especially for those who have the patience to navigate various loyalty programs to maximize the value of MR points transfers to hotels and/or airlines (not me). There is incredible potential there.

For “groceries” I have 6% cash back with Amex Blue Cash Preferred ($95 AF, which I’ve never actually paid) or 4.5% back when I use my US Bank Altitude Reserve via Apple Pay at the grocery store.

Or 5.25% cash back on one of my no-AF B of A 3/2/1 cards and Platinum Preferred relationship bonus.

Now I’m hungry. 🥘

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