I started off this year with a new job. A job that does not require the travel that my last one did. I knew that those Delta miles (and status earning MQMs) would not be rolling in like they used to. This gave me the opportunity to re-evaluate how I prioritize my cards.
I took my numbers from Mint.com and plugged them into a matrix. I compared the Capital One Venture, the Wells Fargo Propel American Express, and the American Express Hilton Aspire cards. The Venture was easy math with a flat 2% cash back towards travel. The Propel card uses a variable PPD based on category, as does the Aspire card. This was taken into account for the ROE determined based on the spend.
|$ 62,210.43||$ 1,244.21||$ 1,111.56||$ 2,178.96|
It was plain to see that my Aspire (man do I love this card) brings the greatest return on expense (ROE).
What card do you pull first from your wallet?