BADASS

Here is my 2014 Summary so far:

Chase Sapphire: $500 cash back

Barclays Travel Reward Card: $730 cash back

Chase Amtrak MC: $125 (we'll use this towards our rental car in Phoenix)

Chase Southwest Visa: $900 (four one way flights purchased MKE to PHX)

Frontier MC: 50,000 points (good for 5 one way tickets anywhere Frontier flies)

We also have the Costco AMEX and our annual rebate on that was about $200.

Nice! I value those chase UR points at least 2 cents per point. So I assume you have 50,000 points because 50K points = $500 cash back if redeeming for cash value (1 cent per point). However, in terms of points/miles those 50K is equivalent to $1,000 value in travel redemption (Flights & Hotel). Hence, why I prefer traveling over cash back any day.

How many points did you get out of the southwest card and how many do you have now? The reason why I ask because if you get 110K points within a calendar year for southwest your able to earn the southwest companion pass which is basically a buy one get one free offer for southwest. Any flights you pay for or even redeem with points you can get another flight for free. Essentially, your paying your fares half off or doubling your value depending on how you look at it.

Here's an update - after double checking and re-calculating my purchases and bonuses for 2014:

1. Chase Sapphire 50,000 bonus plus I charged 7500 = $575 cash back

2. Chase SW Visa 50,000 bonus points. I used 48,000 of them for four one way tickets ($225 each) to PhX = $900

3. Chase Amtrak $150 bonus that I haven't used yet but I am stacking w/a discount code for Hertz and it will pay for a 7 day car rental in PHX.

4. Barclays Travel Rewards MC = I've cashed in $750 (statement credits on travel)

5. Frontier MC = 50000 points good for five one way tickets (at least a $600 value)

6. Amex Costco (3% cash back on gas + 1% at Costco) = $150

This brings my grand total to $3225 in cash or airfare. But wait, I did have to eat the $99 SW Visa annual fee. So that knocks my total down to $3125...still more than I made in dividends this year.

Our annual charges (including DH's small business expenses) were around $40,000.