I hope your week was better and less expensive than mine.
Mine started Sunday night in the emergency room. I was warned a few weeks ago during a routine checkup that I was hosting a kidney stone. Well, some early symptoms showed up on Saturday. On Sunday evening, I could barely walk. The pain was so severe I threw in the towel and crawled into the ER.
Turns out the kidney stone wasn’t ready and decided to stay a while. Cut to later in the week: a doctor’s appointment, an ultrasound, a CT scan, and bloodwork found that I’m in good health. And my kidney stone is still resting comfortably in the Carley Kidney B & B. We have no idea what caused the weird issue earlier in the week.
Oh, and a doctor removed a toenail Friday afternoon. (I broke one of my big toes in May. The toenail died and was close to falling off.)
So, in addition to the mysterious crippling pain I felt for a few days, there’s more agony on the way: insurance copayments. (And that damn kidney stone at some point.)
But credit card cashback or points are somewhat of a salve for that misery.
My wife and I are usually chasing some sort of minimum spending requirement on a credit card. It might be the bonus MQM or MQD waiver on my Delta SkyMiles® Reserve Business American Express Card or her Delta SkyMiles® Reserve American Express Card. Or maybe we just got a new credit card and need to reach the welcome promotion’s spending requirement.
So, at least, we’re earning something.
But, darn it, I wish something like “general health expenses” or “medical expenses” were a bonus category on more credit cards. The AARP® Essential Rewards Mastercard® from Barclays offers 2% cash back on eligible medical expenses. (Big whoop. The Capital One Venture X Rewards Credit Card earns 2X points on non-bonused spending and the Citi® Double Cash Card – 18 month BT offer earns 2% cashback on each purchase.)
Here’s something slightly better: the Upgrade Triple Cash Rewards Visa offers 3% cashback on auto, home, and health categories.
Now we’re getting somewhere!
Medical expenses are very real for many people. (I wish my daughter’s pediatrician offered a loyalty program.) I wish more mainstream cards offered incentives for medical and health for spending made on doctor visits, lab tests, imaging (CT, MRI, etc.), hospital stays, etc. I think the banks know they’ll get our money. But if one (or more) of them offered 3-4X on those purchases, I think they’d get some new customers — and retain a few more.
What do you think?
To see rates and fees for the Delta SkyMiles® Reserve Business American Express Card, please visit this link. Terms apply.
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