Which is the best card to use? *Master Thread*

[Aerial Dag]

IMO the best is citi prestige. You get a flat additional 2 years of warranty. http://i.info4.citi.com/wpm/100164/PDF/Guide11.pdf

[Z56]

IMO the best is citi prestige. You get a flat additional 2 years of warranty. http://i.info4.citi.com/wpm/100164/PDF/Guide11.pdf

Citi vs. Amex ?

[metsguy]

A biz has about ~$1mm in expenses, 90% of them are travel or entertainment. Are there any cards that dont cap "bonus categories"?
I assume these are per account and not per employee card.

[as2]

A biz has about ~$1mm in expenses, 90% of them are travel or entertainment. Are there any cards that dont cap "bonus categories"?
I assume these are per account and not per employee card.

To answer the second part, yes.

[metsguy]

Thanks, any accounts that give different numbers for each employee card?

[as2]

Thanks, any accounts that give different numbers for each employee card?

Yes, amex biz cards all have different numbers for AUs, personal may as well, I don't remember off hand. Chase biz cards have different numbers as well. I'd be surprised if any business cards have the same number throughout.

[ludmila]

Yes, amex biz cards all have different numbers for AUs, personal may as well, I don't remember off hand. Chase biz cards have different numbers as well. I'd be surprised if any business cards have the same number throughout.

Yes, Amex personal cards also have different numbers for AU.

[metsguy]

Thanks all. Going to bump the original question
A biz has about ~$1mm in expenses, 90% of them are travel or dinning. Are there any cards that dont cap "bonus categories"?

[David Smith]

Chase Sapphire Reserve is uncapped and covers that category pretty broadly, but you likely want a business card.

[metsguy]

Chase Sapphire Reserve is uncapped and covers that category pretty broadly, but you likely want a business card.

Correct, that would be great.

[David R]

Thanks, any accounts that give different numbers for each employee card?

Probably all business cards give different account numbers.
Some consumer cards also do. The examples I know of are TD Bank and Amex.

Thanks all. Going to bump the original question
A biz has about ~$1mm in expenses, 90% of them are travel or dinning. Are there any cards that dont cap "bonus categories"?

Citi ThankYou business has quarterly categories. It does not cap earnings. For dining, bonus points are now.

October-December: 3 ThankYou Points for each $1 spent on purchases at restaurants (including cafes, bars, lounges and fast food restaurants) and on select entertainment, including sports promoters, public golf courses, theatrical promoters and movie theaters.

For travel, it's Q3.

July-September: 3 ThankYou Points for each $1 spent on flights, hotels and car rentals.

If you have the personal ThankYou Premier (I know from personal experience) or Citi Prestige (I assume), the points earned from the business card pool together so that you could redeem them at better rates by booking travel or transferring to certain airline or hotel partners.

[shiframeir]

Seems Pesach programs wasnt addressed, I'm not really focused on points as much as protection if the pesach program cancels at the last minute and takes all my money and i need to fight them. Obv there is the 3x points from sapphire reserve i think i could expect if i pay the travel company, but what if something disastrous happen, will Amex protect me better to get money back even if its not a "purchase Protection" item but more a service?

[a good yeshiva bachur]

Seems Pesach programs wasnt addressed, I'm not really focused on points as much as protection if the pesach program cancels at the last minute and takes all my money and i need to fight them. Obv there is the 3x points from sapphire reserve i think i could expect if i pay the travel company, but what if something disastrous happen, will Amex protect me better to get money back even if its not a "purchase Protection" item but more a service?

Why won’t you be able to dispute claiming that you never received what you paid for?

[shiframeir]

Why won’t you be able to dispute claiming that you never received what you paid for?

yeah thats the argument, just wondering if Amex is as good at that beyond chase as they are with product warranties (which i have found them to be great at), or maybe people havent had same experiences? no clear policy i can see about purchases of services like this and long term ability to fight back (though u hear about the jerks who dispute restaurant bills with amex). I think i will stick to the sapphire reserve and hope all goes well (i love my points too much).

[shiframeir]

Considering to purchase the iPhone X which card should I use to maximize  protection, warranty etc.

thinking to purchase with amex just based on good experiences, though the citi prestige would officially give longer coverage.

[Buruch]

Does INK bold 2x gas earn 2x outside of US? Any other cards?

[yandmk]

Airfare - Amex Plat vs Chase Reserve.
I'm aware Plat offers more points. But does the Plat have any kind of travelers insurance like Chase? At least baggage, delay etc. (if not medical)?

[Hjay]

Airfare - Amex Plat vs Chase Reserve.
I'm aware Plat offers more points. But does the Plat have any kind of travelers insurance like Chase? At least baggage, delay etc. (if not medical)?

He goes through exactly this question. http://onemileatatime.boardingarea.com/2018/01/05/maximizing-points-on-airfare-purchases/

[yandmk]

Lol. Thanks.
Does he read this forum...? (I posted the question before he posted the article)

[yelped]

He goes through exactly this question. http://onemileatatime.boardingarea.com/2018/01/05/maximizing-points-on-airfare-purchases/

IMHO, it usually makes sense to purchase standalone travel insurance for better coverage and other benefits, anyways. They're usually downright cheap, and could be very useful. Especially, if you need to cancel a trip for work or other reasons, which these won't cover.