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Grocery -Amex BCP, EDP, OBC, BCE
Gas -(in order)(Freedom or Discover at thier quarters) Citi Costco (4% CB), Citi Premier (3x TU), Ink(2x UR), Amex gold (2x MR), Amex blue (2% CB)
Clothing - Freedom during dept store quarters (5x UR), buy GC where you earn more than 1x pts (example: Saks GC at Staples using Ink for 5x pts)
Tuition - VGC purchased at Staples with Ink
Office Supplies - Ink!
Restaurant - Freedom (2016 Q3), Sapphire Preferred (especially on first Friday of month! Buy gift cards from restaurants you frequent.)
Airlines, Travel - (in order)"Amex platinum if booked directly with the airline or through amextravel.com (5x MR) Amex PRG (3x MR), Chase Sapphire Reserve (3x UR), Prestige or Premier (3x TU), Sapphire Pref (2x UR)
Hotel - Ink or Sap p (2x UR), Prestige or Premier (3x TU)
Rental Car / CWD - CSP
Anything needing warranty - Amex SPG
International purchases - Any card that doesn't charge forex fee (some data on Visa vs MC vs AMEX)
Penny purchases - Chase Freedom ONLY if your grandfathered to the OLD Freedom, otherwise makes no difference.
Entertainment (Movies, Broadway shows, Concerts etc)- Citi Prestige or Premier or Forward (2x TU)
Phone,cellphone,internet - Ink (5x)
« Last edited by yandmk on January 04, 2018, 07:41:28 AM »

Author Topic: Which is the best card to use? *Master Thread*  (Read 86889 times)

Offline yitzyul

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Re: Which is the best card to use? *Master Thread*
« Reply #450 on: June 12, 2018, 06:57:26 PM »
Spg B4 devaluation or Amex Business plus for regular purchases?

Online davidrotts63

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Re: Which is the best card to use? *Master Thread*
« Reply #451 on: June 12, 2018, 07:01:34 PM »
If you max out 50k for August, then use SPG till then
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline lindnuck

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Re: Which is the best card to use? *Master Thread*
« Reply #452 on: June 18, 2018, 04:41:29 PM »
Please forgive the bump, I'm not sure anyone saw this as an unrelated reply took the thread quickly to a new page.

Please help me figure out how to pay for (and maximize the return on) the following expense?

Iíve agreed to be the team manager for my recreational sports team. Upcoming team dues are going to be close to $8,000.

Cards Iím considering using include: Ink Plus, Ink Business Preferred, FU, SPG Biz Amex. I also have the CSR and Amex Platinum.

Iím currently about $4,500 short of the minimum spend for the IBP.

Option 1: $4.5k on the IBP to max out the spend. 12 $300 Visa gift cards on IP through the portal for 7x points. Would receive: 30,452 UR (not including the 80k sign up bonus) and net cost of $107.40 ($0.04/UR).

Option 2: 27 $300 Visa gift cards on IP through the portal for 7x points. Would receive: 57,692 UR and a net cost of $241.65 ($0.04/UR).

Option 3: $4.5k on the IBP to max out the spend. $3.5k on the FU. 9.75k UR (not including the 80k sign up bonus) and no net cost.

Option 4: $4.5k on the IBP to max out the spend. $3.5k on the SPG. 4.5k UR (not including the 80k sign up bonus) and 7k SPG for no net cost.

Option 5: $5k on the AP and $3k on the IBP. Would receive: 7.5k MR and 3k UR but would get me most of the way there on my minimum spend for the IBP.

Option 2 is obviously the biggest amount of points but Iím worried about Chase flagging me and it causing problems with my account. I would space out the card purchases (Staples only allows $2k per day), but still. Option 1 is a little less risky and gets me my signup bonus immediately. The other options donít seem as attractive but I wanted to make sure I wasnít missing something.

Thoughts?

Offline BCL

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Re: Which is the best card to use? *Master Thread*
« Reply #453 on: July 01, 2018, 09:13:55 PM »
Spend 250k on travel annually, plus hotels and restaurants. Travel is booked directly through airline. Status with AA.
What is the best card to get?

Online davidrotts63

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Re: Which is the best card to use? *Master Thread*
« Reply #454 on: July 01, 2018, 09:16:33 PM »
Spend 250k on travel annually, plus hotels and restaurants. Travel is booked directly through airline. Status with AA.
What is the best card to get?
Personal Platinum for 5x on airfare booked directly with the airline.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #455 on: July 01, 2018, 09:50:12 PM »
Spend 250k on travel annually, plus hotels and restaurants. Travel is booked directly through airline. Status with AA.
What is the best card to get?
Personal Platinum for 5x on airfare booked directly with the airline.
Depending on how the travel/restaurants/hotels are broken down, and what you do with your points, I'd consider the CSR for 3x in all 3 of those categories.

Offline yitzyul

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Re: Which is the best card to use? *Master Thread*
« Reply #456 on: July 02, 2018, 12:12:09 PM »
Helping osmose applying for credit cards (has established good credit).
What should I do first and which 2 BM's?
Im assuming to do chase first? and should it be chase business or personal first?
Was going to do chase ink? and which others?

TY

Online TimT

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Re: Which is the best card to use? *Master Thread*
« Reply #457 on: July 02, 2018, 12:20:23 PM »
Whatís his cc profile (& how recent) look like ?

Offline yitzyul

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Re: Which is the best card to use? *Master Thread*
« Reply #458 on: July 02, 2018, 12:24:18 PM »
Whatís his cc profile (& how recent) look like ?

Long time credit, has maybe a chase freedom and SPG reg. Has maybe 1 application in the last 2 years. Hasn't really been in the points game.
Thank You

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Re: Which is the best card to use? *Master Thread*
« Reply #459 on: July 02, 2018, 12:34:17 PM »
So hit the chase cards first.

Offline yitzyul

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Re: Which is the best card to use? *Master Thread*
« Reply #460 on: July 02, 2018, 12:38:39 PM »
So hit the chase cards first.
Any particular ones? Ink for business and which 2 for personal? Sapphire and?

Offline BCL

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Re: Which is the best card to use? *Master Thread*
« Reply #461 on: July 02, 2018, 02:01:03 PM »
Personal Platinum for 5x on airfare booked directly with the airline.
Depending on how the travel/restaurants/hotels are broken down, and what you do with your points, I'd consider the CSR for 3x in all 3 of those categories.
Thus, my dilemma!
No plans for points use. (No real need. Vacations are tagged onto business travel.)
Currently, just accruing AA points.
Rather not get both, but it seems best to get Amex for travel and CSR for hotels and dining.
Any opinions?

Personal Platinum for 5x on airfare booked directly with the airline.
Why not Biz Plat?

Online davidrotts63

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Re: Which is the best card to use? *Master Thread*
« Reply #462 on: July 02, 2018, 02:16:12 PM »


Why not Biz Plat?

You don't get 5x on airfare unless it's booked with Amex travel
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ruv

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Re: Which is the best card to use? *Master Thread*
« Reply #463 on: July 02, 2018, 02:26:16 PM »
Any particular ones? Ink for business and which 2 for personal? Sapphire and?

Whatís his goal with the new cards?

I would do business cards first, so you shouldnít hit 5/24. Only after having all chase bus cards that you want, then start applying for chase personal and then other card issuers.

So, for now I would go with 2 inks.

Be aware with chase and leave time between apps.

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Re: Which is the best card to use? *Master Thread*
« Reply #464 on: July 02, 2018, 02:33:59 PM »
Thus, my dilemma!
No plans for points use. (No real need. Vacations are tagged onto business travel.)
Currently, just accruing AA points.
Rather not get both, but it seems best to get Amex for travel and CSR for hotels and dining.
Any opinions?
Why not Biz Plat?
I'd go for the CSR. Better value redeeming as cash for hotels and flights if you want to liquidate them, and you will earn a solid 3x in all 3 of those categories. Even if you end up earning a little less in the long run, you're still coming out ahead.