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Joined 1 year ago
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Cake day: July 21st, 2023

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  • One way to think about the sign up bonus is 20% cash back, if it is $800 after spending $4000, as well as the points you earn for that spending.

    There are cards where you can earn 40%, ie $200 back after spending $500, but you can only apply for so many cards per year, so it would be difficult to maximize your total cash back with these smaller cards.