Poll

most worthly cc for points? 20K to spend which card?

spg
10 (90.9%)
freedom
0 (0%)
sapphire preffered
1 (9.1%)
united club
0 (0%)
united explorer
0 (0%)

Total Members Voted: 11

Author Topic: best cc for points  (Read 3349 times)

Offline rots5

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best cc for points
« on: June 13, 2012, 04:46:47 PM »
hi, i was offered to swipe my card for someone who will pay me back with checks. and its a lot of money! 20K
which card should i use?

spg*
chase freedom
chase sapphire preffered
chase united club
chase united explorer
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Offline Jkhein

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Re: best cc for points
« Reply #1 on: June 13, 2012, 04:48:35 PM »
Personally I would do it only if I can later proof income. In case of Amex FR or Chase AA.

Offline Yitz

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Re: best cc for points
« Reply #2 on: June 13, 2012, 04:48:41 PM »
It depends what he is charging. Every card offers bonuses for different things.

Offline rots5

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Re: best cc for points
« Reply #3 on: June 13, 2012, 04:51:07 PM »
It depends what he is charging. Every card offers bonuses for different things.

its for a bussiness and its ligit.
and they (the buss) is not charging anything to swipe my card for them.
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Offline Dan

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Re: best cc for points
« Reply #4 on: June 13, 2012, 04:51:56 PM »
Assuming everyday spending, not factoring any signup bonuses, and assigning rough point values which are quite variable depending on what you'll do with them and how many total points you have...

spg: 20K SPG at 2.25=$450
chase freedom (with checking) 22K UR at 1.8=$396
chase sapphire preffered 21.4K UR at 1.8=$385
chase united club 30K UA at 1.75=$525
chase united explorer 20K UA at 1.75=$350
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline rots5

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Re: best cc for points
« Reply #5 on: June 13, 2012, 04:54:10 PM »
Assuming everyday spending, not factoring any signup bonuses, and assigning rough point values which are quite variable depending on what you'll do with them and how many total points you have...

spg: 20K SPG at 2.25=$450
chase freedom (with checking) 22K UR at 1.8=$396
chase sapphire preffered 21.4K UR at 1.8=$385
chase united club 30K UA at 1.75=$525
chase united explorer 20K UA at 1.75=$350

but dan, would i get another 10 K for spending a certain amount?
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Offline Jkhein

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Re: best cc for points
« Reply #6 on: June 13, 2012, 04:58:57 PM »
but dan, would i get another 10 K for spending a certain amount?
Dan did try to be as clear as possible but I suppose he left out "spending bonuses"! Which each card has its own - SPG, CO etc.

Offline good sam

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Re: best cc for points
« Reply #7 on: June 13, 2012, 04:59:22 PM »
its for a bussiness and its ligit.
and they (the buss) is not charging anything to swipe my card for them.
He meant what are you paying for on the card?  E.g. if you are buying lots of office supplies, you should use an Ink Bold.  In any event, you should probably be using this opportunity to sign up for new credit cards.  Do a batch of 9 apps for a mere 3 pulls and make hundreds of thousands of points!
If you don't care why would you comment?
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Offline rots5

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Re: best cc for points
« Reply #8 on: June 13, 2012, 05:03:37 PM »
He meant what are you paying for on the card?  E.g. if you are buying lots of office supplies, you should use an Ink Bold.  In any event, you should probably be using this opportunity to sign up for new credit cards.  Do a batch of 9 apps for a mere 3 pulls and make hundreds of thousands of points!

why would that be worth it. and its a major company. i dont think they on any lists to get more points for spending.
and dan was very clear!
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Offline Dan

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Re: best cc for points
« Reply #9 on: June 13, 2012, 05:05:34 PM »
but dan, would i get another 10 K for spending a certain amount?
You need to spend $25K between 01/01 and 12/31 on the UA Explorer to get a 10K bonus.  But even doing exactly that amount of spending would still be less (35K total) than what you would earn on the UA Club (37.5K total)

The other cards threshold bonuses only apply for opening new accounts, which I specifically excluded.
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Offline rots5

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Re: best cc for points
« Reply #10 on: June 13, 2012, 05:09:38 PM »
You need to spend $25K between 01/01 and 12/31 on the UA Explorer to get a 10K bonus.  But even doing exactly that amount of spending would still be less (35K total) than what you would earn on the UA Club (37.5K total)

The other cards threshold bonuses only apply for opening new accounts, which I specifically excluded.

yes, thanks so much dan, and it makes sense to exclude, hence that i asked bec i have THOSE specific cards :-)

so besides the sign up bonus what is the use of the explorer if i have the club then?
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Offline Dan

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Re: best cc for points
« Reply #11 on: June 13, 2012, 05:10:30 PM »
so besides the sign up bonus what is the use of the explorer if i have the club then?
Nothing much...leverage.
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Offline rots5

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Re: best cc for points
« Reply #12 on: June 13, 2012, 05:23:03 PM »
Nothing much...leverage.

thanks for the time!
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Offline zale

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Re: best cc for points
« Reply #13 on: June 13, 2012, 08:11:49 PM »
Assuming everyday spending, not factoring any signup bonuses, and assigning rough point values which are quite variable depending on what you'll do with them and how many total points you have...

spg: 20K SPG at 2.25=$450
chase freedom (with checking) 22K UR at 1.8=$396
chase sapphire preffered 21.4K UR at 1.8=$385
chase united club 30K UA at 1.75=$525
chase united explorer 20K UA at 1.75=$350

The catch here is assuming "normal everyday spending". However, if the spending is online spending, and it is a partner in the UR mall, then the Freedom and Sapphire are a no brainer here.

Offline Saver2000

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Re: best cc for points
« Reply #14 on: June 13, 2012, 08:19:43 PM »
The catch here is assuming "normal everyday spending". However, if the spending is online spending, and it is a partner in the UR mall, then the Freedom and Sapphire are a no brainer here.

You can use any cc in the UR mall.

Offline zale

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Re: best cc for points
« Reply #15 on: June 13, 2012, 08:50:55 PM »
You can use any cc in the UR mall.

You are correct about that. (unofficially though).