Meghan Coyle

Of course, over 7% return on my spending is so enticing that I am not looking away from

But I'm also going to wait and stick with my 2.67% earning card in the meantime.

Good luck, Megan.

Okay, let's run through the earning rates and some of the benefits of each card real quick.

Let's just ignore the built cash and housing payments thing for now.

The earning structure besides that is quite simple.

For the Built Blue card, it is one point per dollar spent on everything.

Then there is the $95 annual fee Built Obsidian card.

That is the one that earns 2x on travel, 3x bonus categories, so you can choose either dining or groceries.

Groceries has that $25,000 a year maximum limit.

As I mentioned, I am interested because I'm getting the 2.67% on groceries right now.

Chase Affair Preferred does have some other compelling bonus categories.

They have bonus categories for select streaming services and online grocery delivery.

I'm not an online grocery shopper, but if you are, that could be compelling.

There's also a $50 hotel credit and primary car rental coverage, which I do really like that benefit.

The Built Obsidian has secondary car rental coverage, though I will throw that in there.

Points, boo.

We also got to talk about these statement credits.

We have talked a lot on this show about all these bougie little statement credits that are

honestly annoying to spend because it'll be an $100 hotel credit, but it's going to expire and you got to remember to use it and all of this and you got to book through the portal.