Effective 6–8% back on gas, 4% on dining, 3% on travel — one warehouse membership.
Costco Executive Membership ($130) gives 2% back on Costco purchases (up to $1,250/yr) — pays for itself at $6,500/yr Costco spend. Pair with the Citi Costco Anywhere Visa (free with membership): 4% on gas (first $7K), 3% travel/dining, 2% Costco, 1% else. On $12K/yr Costco + $5K gas + $6K travel/dining, total rewards $900–$1,200/yr on membership cost of $130 = 700%+ ROI.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.