Author Topic: Help me pick a CC (Read 4526 times)

puddles · « **on:** July 19, 2012, 11:39:46 AM »

I have searched the forums and have seen the various options available but was hoping to get advice on what people thought was best.
I current hold the following cards:
Amex SPG
Chase Saphire Preferred
Amex Blue Sky (Dont use, transferred credit line to my SPG)
Citi Diamond Preferred (my first card many years ago. I never ever use this).

Travel is second on my list of importance. I would rather have cash back/sell my miles. The Amex blue sky preferred would give me 6% cash back at grocery stores which is one of my largest expenses. I am hesitant to do this since I feel that I should have one Non-Amex that I hold in my wallet. The Chase Freedom is great and I could link it to my Checking account but the 4Q doesnt offer anything of interest. As someone previously posted, I cant expect my wife to hold 5-10 cards and remember to use a different one on her specific spending. I would like to use my SPG for bigger expenses/electronics.
Thanks for the help!

Yeki89 · « **Reply #1 on:** July 19, 2012, 12:30:37 PM »

i would do a freedom. besided rotating catg, (which is best choice) Best point value for almost any purchase under $50 (with 10-10 exclusive, and exeption for travel in SP,or Amex warenty).

meshugener · « **Reply #2 on:** July 19, 2012, 01:10:44 PM »

I decided to give my wife the Freedom for her spendings rather than driving her crazy which card to use on each purchase.
That way I get the most possible with a single card.

puddles · « **Reply #3 on:** July 19, 2012, 02:31:59 PM »

Quote from: yeki89 on July 19, 2012, 12:30:37 PM

i would do a freedom. besided rotating catg, (which is best choice) Best point value for almost any purchase under $50 (with 10-10 exclusive, and exeption for travel in SP,or Amex warenty).

from what I read the points are not transferrable unless i have a saphire preferred correct? If I cancel my SP card would anyone be able to give a value for the points?

meshugener · « **Reply #4 on:** July 19, 2012, 02:36:25 PM »

You can transfer to a strangers SP or IB.

Dan · « **Reply #5 on:** July 19, 2012, 02:41:31 PM »

Quote from: meshugener on July 19, 2012, 02:36:25 PM

You can transfer to a strangers SP or IB.

If you have a chase death wish.

Yeki89 · « **Reply #6 on:** July 19, 2012, 02:44:10 PM »

Quote from: puddles on July 19, 2012, 02:31:59 PM

from what I read the points are not transferrable unless i have a saphire preferred correct? If I cancel my SP card would anyone be able to give a value for the points?

Incorrect, any SP card - even not your own. Sure, whoever has.

HelpMe · « **Reply #7 on:** July 19, 2012, 02:45:06 PM »

Maybe look at the US Bank card.

http://forums.dansdeals.com/index.php?topic=16938.0

puddles · « **Reply #8 on:** July 19, 2012, 02:49:14 PM »

Quote from: Dan on July 19, 2012, 02:41:31 PM

If you have a chase death wish.

I am deathwish-less

that being said what are the points worth standalone?

meshugener · « **Reply #9 on:** July 19, 2012, 02:51:40 PM »

@Dan
The general belief is that the Chase A/A practices are dead, no?

Dan · « **Reply #10 on:** July 19, 2012, 02:53:21 PM »

Quote from: puddles on July 19, 2012, 02:49:14 PM

I am deathwish-less that being said what are the points worth standalone?

Are you never able to open a SP in the future?

HelpMe · « **Reply #11 on:** July 19, 2012, 02:56:45 PM »

Quote from: meshugener on July 19, 2012, 02:51:40 PM

@Dan
The general belief is that the Chase A/A practices are dead, no?

...and where did you get that from?

puddles · « **Reply #12 on:** July 19, 2012, 02:58:24 PM »

Quote from: Dan on July 19, 2012, 02:53:21 PM

Are you never able to open a SP in the future?

Your talking to someone whose never churned a card. But your saying I should open a freedom, move my SP credit line to it and than cancel my SP. At this point I should open a new SP to which I could transfer my freedom points to?

meshugener · « **Reply #13 on:** July 19, 2012, 03:44:29 PM »

@HelpMe
Did you hear about an A/A lately?
The latest was quite a while ago.

HelpMe · « **Reply #14 on:** July 19, 2012, 04:13:42 PM »

Quote from: meshugener on July 19, 2012, 03:44:29 PM

@HelpMe
Did you hear about an A/A lately?
The latest was quite a while ago.

If you consider yesterday lately, then yes.

meshugener · « **Reply #15 on:** July 19, 2012, 04:41:11 PM »

OMG! Where did you see a A/A report as of yesterday?

HelpMe · « **Reply #16 on:** July 19, 2012, 04:59:30 PM »

Quote from: meshugener on July 19, 2012, 04:41:11 PM

OMG! Where did you see a A/A report as of yesterday?

Somewhere that you can't and I am not being cute. I can’t get into much details but it was the whole nine yards. Checking and CC’s for the whole household. It was not bonus related so no worry for most here.

Ergel · « **Reply #17 on:** July 19, 2012, 05:06:58 PM »

Quote from: HelpMe on July 19, 2012, 04:59:30 PM

Somewhere that you can't and I am not being cute. I can’t get into much details but it was the whole nine yards. Checking and CC’s for the whole household. It was not bonus related so no worry for most here.

Cause?
AARP?

HelpMe · « **Reply #18 on:** July 20, 2012, 02:51:55 AM »

Sorry, I can’t give any more info. It is not something I would think anyone here would have to worry about. I only posted it to show Chase is still handing out AA.

puddles · « **Reply #19 on:** July 24, 2012, 03:16:05 PM »

Quote from: Dan on July 19, 2012, 02:53:21 PM

Are you never able to open a SP in the future?

Based on your advice, I would like to open a Freedom under my wifes name and transfer the credit line from her CSP to the freedom. Will they let me do this? They wont let me downgrade right now since its not the 1 year anniversary of card yet