BILT
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Assuming you’re traveling once a year, I’m a big fan of venture X. It’s not the most lucrative travel card but it’s essentially free and gets you 2x on everything plus some nice perk with minimal effort. BILT is technically better but you have a lot of hoops to jump through to get your annual fee back and lots of coupon book style perks to manage. Same with Amex and Chase…. You don’t need that complexity while in medical school. The C1 VX takes 1 login to book your flight home to get back your annual fee. You can pair it with a savor card if you want to max your points. Yes the travel partners aren’t as good but you’re not doing any first class international travel. You can use the travel portal and then use the travel easer feature to earn a decent point value on your flights and presumably take flights home for free a few times a year, while getting lounge access and tsa precheck free. Worry about point maxing when you have a budget to actually travel abroad.

Hello!
I’m about to start M1 and with the various expenses I’m projected to have over the next four years, I thought it would be wise to maximize my spending with credit cards and mild “churning.”
I have a credit score of 798, I’ve had a discover it card for two years. I recently signed up for the capital one savor card for the 3% on grocery, dining, and entertainment, but I’m wondering if I should’ve went with the Wells Fargo autograph to include gas, or the Amex blue cash preferred for the 6% grocery and then downgrading the card before the annual fee.
I don’t have any tuition payments due to scholarship, and I was looking at getting a BILT card for rewards on rent and utilities.
I really want to maximize mileage/travel as my school is near a major delta hub (Amex points transfer 1:1) but I’m not sure if it would better to put airline as a 6% spending on a card like boa CCR or to redeem for miles via Amex.
Thanks!

Assuming you’re traveling once a year, I’m a big fan of venture X. It’s not the most lucrative travel card but it’s essentially free and gets you 2x on everything plus some nice perk with minimal effort. BILT is technically better but you have a lot of hoops to jump through to get your annual fee back and lots of coupon book style perks to manage. Same with Amex and Chase…. You don’t need that complexity while in medical school. The C1 VX takes 1 login to book your flight home to get back your annual fee. You can pair it with a savor card if you want to max your points. Yes the travel partners aren’t as good but you’re not doing any first class international travel. You can use the travel portal and then use the travel easer feature to earn a decent point value on your flights and presumably take flights home for free a few times a year, while getting lounge access and tsa precheck free. Worry about point maxing when you have a budget to actually travel abroad.

Hello!
I’m about to start M1 and with the various expenses I’m projected to have over the next four years, I thought it would be wise to maximize my spending with credit cards and mild “churning.”
I have a credit score of 798, I’ve had a discover it card for two years. I recently signed up for the capital one savor card for the 3% on grocery, dining, and entertainment, but I’m wondering if I should’ve went with the Wells Fargo autograph to include gas, or the Amex blue cash preferred for the 6% grocery and then downgrading the card before the annual fee.
I don’t have any tuition payments due to scholarship, and I was looking at getting a BILT card for rewards on rent and utilities.
I really want to maximize mileage/travel as my school is near a major delta hub (Amex points transfer 1:1) but I’m not sure if it would better to put airline as a 6% spending on a card like boa CCR or to redeem for miles via Amex.
Thanks!