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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), Amex BCP (3%), Ink(2x UR), 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 (5× TY) or Premier (3x TY)
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 - citi rewards+
Entertainment (Movies, Broadway shows, Concerts etc)- Citi Prestige or Premier or Forward (2x TU)
Phone,cellphone,internet - Ink (5x)
« Last edited by qooldude on June 24, 2022, 12:31:18 PM »

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Author Topic: Which is the best card to use? *Master Thread*  (Read 183093 times)

Offline Hjay

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Re: Which is the best card to use? *Master Thread*
« Reply #360 on: March 16, 2017, 05:00:11 PM »
Quote from: moe8555 on March 06, 2017, 11:19:53 PM
Actually in Israel, Amex is accepted just about everywhere.  Bank HaPoalim is the processor for Amex in Israel, which is also the processor for Isracard, which is accepted everywhere in Israel (like Visa/Mastercard in the US).  Basically they force Amex acceptance along with the standard Isracard acceptance.
In the past 2 weeks alone at least 5-6 times I've been told by stores that they don't accept Amex. I've yet to be told that about a visa cc in all my years in Israel.
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Offline a good yeshiva bachur

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Re: Which is the best card to use? *Master Thread*
« Reply #361 on: March 16, 2017, 05:12:26 PM »
Quote from: Hjay on March 16, 2017, 05:00:11 PM
In the past 2 weeks alone at least 5-6 times I've been told by stores that they don't accept Amex. I've yet to be told that about a visa cc in all my years in Israel.
+2
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Offline joshro

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Re: Which is the best card to use? *Master Thread*
« Reply #362 on: March 25, 2017, 10:17:00 PM »
I currently stay at a Hilton hotel twice a week. Which card would be best to use? I currently have SPG, CSR, Everyday, and Freedom. Should I sign up for a Hilton card? If yes, which one?
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Offline a good yeshiva bachur

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Re: Which is the best card to use? *Master Thread*
« Reply #363 on: March 26, 2017, 01:49:24 AM »
Quote from: joshro on March 25, 2017, 10:17:00 PM
I currently stay at a Hilton hotel twice a week. Which card would be best to use? I currently have SPG, CSR, Everyday, and Freedom. Should I sign up for a Hilton card? If yes, which one?
why not?! there's a post on DDMS (posted at the end of last week) of all the Hilton card offers from Amex and Citi....
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Offline joshro

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Re: Which is the best card to use? *Master Thread*
« Reply #364 on: March 26, 2017, 10:39:35 AM »
Quote from: a good yeshiva bachur on March 26, 2017, 01:49:24 AM
why not?! there's a post on DDMS (posted at the end of last week) of all the Hilton card offers from Amex and Citi....
I'm asking which would be a better value, the 3 UR ppd I'm currently getting with CSR, or the 7 or 12 Hilton ppd. I know Hilton points are not that valuable.
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Offline chinagel

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Re: Which is the best card to use? *Master Thread*
« Reply #365 on: March 26, 2017, 12:06:57 PM »
Quote from: joshro on March 26, 2017, 10:39:35 AM
I'm asking which would be a better value, the 3 UR ppd I'm currently getting with CSR, or the 7 or 12 Hilton ppd. I know Hilton points are not that valuable.
i would take 3 UR over 12 HH in a heartbeat but thats just IMO
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #366 on: March 26, 2017, 03:48:50 PM »
Dilemma, use milts CB Groupon offer for 15% back and use my CSR for 3ppd, or use my blue for business for 10ppd without the Groupon? I'm leaning towards the amex.
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Offline mochjas

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Re: Which is the best card to use? *Master Thread*
« Reply #367 on: March 26, 2017, 05:54:47 PM »
Quote from: as2 on March 26, 2017, 03:48:50 PM
Dilemma, use milts CB Groupon offer for 15% back and use my CSR for 3ppd, or use my blue for business for 10ppd without the Groupon? I'm leaning towards the amex.
since when do you pay for food??
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Offline bluesky

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Re: Which is the best card to use? *Master Thread*
« Reply #368 on: March 30, 2017, 04:21:12 PM »
Which is better to book a hotel room, 8000 UR points or $55 cash (- 9x Freedom bonus)?
Would the freedom bonus be $5.5 statement credit or 5500 points?
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #369 on: March 30, 2017, 04:32:50 PM »
Quote from: mochjas on March 26, 2017, 05:54:47 PM
since when do you pay for food??
Lol 1/10 times
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #370 on: March 30, 2017, 04:33:50 PM »
Quote from: bluesky on March 30, 2017, 04:21:12 PM
Which is better to book a hotel room, 8000 UR points or $55 cash (- 9x Freedom bonus)?
Would the freedom bonus be $5.5 statement credit or 5500 points?
It may just be me, but I'm not following this...
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Offline yelped

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Re: Which is the best card to use? *Master Thread*
« Reply #371 on: March 30, 2017, 04:51:34 PM »
Platinum for furniture over 10k, or simply blue for 2x points. Will plat help for damages, or not covered anyway.
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Offline CZ60

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Re: Which is the best card to use? *Master Thread*
« Reply #372 on: March 30, 2017, 04:59:25 PM »
Quote from: bluesky on March 30, 2017, 04:21:12 PM
Which is better to book a hotel room, 8000 UR points or $55 cash (- 9x Freedom bonus)?
Would the freedom bonus be $5.5 statement credit or 5500 points?

How would a hotel room that costs $55 be 8,000 UR points? Is there a chase unreserve card that does the opposite of what the reserve card does for your points? Do they claw points on a sign up bonus?  ??? ???

Maybe you got the numbers mixed up - $80 / ~5500 UR?

It posts as points.
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #373 on: March 30, 2017, 05:11:48 PM »
Quote from: CZ60 on March 30, 2017, 04:59:25 PM
How would a hotel room that costs $55 be 8,000 UR points? Is there a chase unreserve card that does the opposite of what the reserve card does for your points? Do they claw points on a sign up bonus?  ??? ???

Maybe you got the numbers mixed up - $80 / ~5500 UR?

It posts as points.
+1 glad it wasn't just me
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Offline shulem92

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Re: Which is the best card to use? *Master Thread*
« Reply #374 on: March 30, 2017, 05:17:10 PM »
Quote from: bluesky on March 30, 2017, 04:21:12 PM
Which is better to book a hotel room, 8000 UR points or $55 cash (- 9x Freedom bonus)?
Would the freedom bonus be $5.5 statement credit or 5500 points?
To qualify for the 10% back on freedom it has to be booked through ultimate rewards travel site. You can't use priceline etc...
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Offline bluesky

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Re: Which is the best card to use? *Master Thread*
« Reply #375 on: March 30, 2017, 07:36:01 PM »
Quote from: bluesky on March 30, 2017, 04:21:12 PM
Which is a better deal for me, to book a hotel room at 8000 UR points or for me to pay the cash part of $55 for a cash/points reservation? (Someone else would pay the points part.)

Would the Freedom bonus be $5.5 statement credit or 5500 points?
FTFM. 8000 points or $55 for one night?
There doesn't seem to be a cash/points option on the UR site, only with the hotel chain directly. That means there is no advantage in using the Freedom CC for the 10x bonus?
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #376 on: March 30, 2017, 07:59:30 PM »
Quote from: bluesky on March 30, 2017, 07:36:01 PM
FTFM. 8000 points or $55 for one night?
There doesn't seem to be a cash/points option on the UR site, only with the hotel chain directly. That means there is no advantage in using the Freedom CC for the 10x bonus?
Still not getting how you get a $55 room for 8000 points. I'm assuming 8000 is directly through the hotel and the $55 is with OTA? Regardless 8000 points has a value of $120 through the UR travel portal, thus making it not worth it at all.
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Offline mmgfarb

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Re: Which is the best card to use? *Master Thread*
« Reply #377 on: March 30, 2017, 08:17:03 PM »
Quote from: as2 on March 30, 2017, 07:59:30 PM
Still not getting how you get a $55 room for 8000 points. I'm assuming 8000 is directly through the hotel and the $55 is with OTA? Regardless 8000 points has a value of $120 through the UR travel portal, thus making it not worth it at all.
Won't Chase match an OTA if you call?
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Offline as2

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Re: Which is the best card to use? *Master Thread*
« Reply #378 on: March 30, 2017, 08:20:49 PM »
Quote from: mmgfarb on March 30, 2017, 08:17:03 PM
Won't Chase match an OTA if you call?
Really? Priceline?
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Offline mmgfarb

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Re: Which is the best card to use? *Master Thread*
« Reply #379 on: March 30, 2017, 08:21:30 PM »
Quote from: as2 on March 30, 2017, 08:20:49 PM
Really? Priceline?
I thought so but IMBM.
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