Having large upcoming expenses can be a boon for getting significant credit card rewards, and yet also create a headache for us rewards optimizers in terms of figuring out which card to apply for/use to get the most rewards possible. Cashback cards often advertise an attractive 5%, 6%, or even 8% cashback, but hidden in the T&Cs are various restrictions on applicable spend categories as well as caps on the cashback amount . For example, the DBS Live Fresh Card offers 5% cashback on online and contactless spending, but total cashback is capped at S$60 per month hence any spending above S$1200 does not earn you any more rewards. On the other hand, miles cards could give good rewards for selected categories (e.g. online spend), but the baseline 1.2-1.4 MPD earn rate on most cards make it not that good for large expenses unless there...
