Credit Cards - Intrest, Fees, and Bullshit

[Ken]

He's right to think of it as a % of all purchases, but the outcome really depends on spending habits. Looks like the CSR is about 6% on travel and dining, which is probably 1/3 of our spending. The blended rates probably aren't that much different than 2.1%.

I've had very mixed results with Priority Pass. Alaska Air, which has a couple lounges at SEA, withdrew from the program a year ago. There are two lounges that still participate there, but they are never near our gate (almost always fly Alaska) and/or they close to PP members "during busy times." It was awesome during our recent layover in LHR.

Yeah, Priority Pass is just, "meh" domestically but is very good overseas. 

Venture is pretty good too  - to your point that's why we split up our purchases. Travel and dining is CSR, and everything else is Venture. We tend to forget about venture and every so often look and realize we have a ton of points added up. I like that you can just select a previous travel expense and have it covered retroactively.