Author Topic: Merits and Demerits: The Best CC for Actual Spend (Read 13635 times)

DP7 · « **Reply #60 on:** May 15, 2015, 05:07:10 PM »

Quote from: AJK on May 15, 2015, 12:53:56 PM

For people who don't go to restaurants, don't travel, don't MS, and have no use for primary CDW, I think the calculus is entirely different.

In such a case, I'd probably suggest the EDP.

Why not Citi double cash on that situation?

AJK · « **Reply #61 on:** May 15, 2015, 05:10:31 PM »

Quote from: DP7 on May 15, 2015, 05:07:10 PM

Why not Citi double cash on that situation?

Its not a bad card, considering no AF, but I don't think 2% Cashback is worth more than:

Airfare:1.5x
Restaurants:1.5x
Gas:3.0x
Groceries:4.5x
Everyday spend:1.5x

Even so, I'd pick the fidelity 2% due to it being an Amex.

DP7 · « **Reply #62 on:** May 15, 2015, 05:18:08 PM »

Quote from: AJK on May 15, 2015, 05:10:31 PM

Its not a bad card, considering no AF, but I don't think 2% Cashback is worth more than:

Airfare:1.5x
Restaurants:1.5x
Gas:3.0x
Groceries:4.5x
Everyday spend:1.5x

Even so, I'd pick the fidelity 2% due to it being an Amex.

Well we said the person in that case won't travel and doesn't eat out... I guess 3x gas and 4.5 groceries could potentially tip it though.

D93 · « **Reply #63 on:** May 16, 2015, 05:37:08 PM »

Quote from: AJK on May 15, 2015, 12:31:36 PM

AMEX PRG - $195 AF
3x on flight
2x on *U.S.* Restaurants, Gas, Groceries
Random: $100 airline credit

Chase SP - $95 AF
2x on travel + dining
Random: Primary Rental Insurance

Quote from: AJK on May 15, 2015, 01:14:53 PM

Only Chase SP has primary CDW coverage.

Incorrect. All Amex cards have primary CDW as well, it officially costs $25, but you can rent the car on your Amex card and if nothing happens to the car (so you don't need to come onto the primary CDW), you can switch the card upon returning the car and pay using a different card.

IMO, if something does happen to the car, Amex insurance is a lot easier to deal with than Chase insurance (yes, I'm talking from experience of dealing with crashes with Amex and Chase SP).

Emkay · « **Reply #64 on:** May 16, 2015, 07:05:15 PM »

Quote from: D93 on May 16, 2015, 05:37:08 PM

(yes, I'm talking from experience of dealing with crashes with Amex and Chase SP).

Remind me not to be on the road with you

Dr Moose · « **Reply #65 on:** May 16, 2015, 09:19:03 PM »

Quote from: D93 on May 16, 2015, 05:37:08 PM

Incorrect. All Amex cards have primary CDW as well, it officially costs $25, but you can rent the car on your Amex card and if nothing happens to the car (so you don't need to come onto the primary CDW), you can switch the card upon returning the car and pay using a different card.

IMO, if something does happen to the car, Amex insurance is a lot easier to deal with than Chase insurance (yes, I'm talking from experience of dealing with crashes with Amex and Chase SP).

+1 to the entire statement

3yummyboys · « **Reply #66 on:** May 18, 2015, 08:57:25 AM »

Quote from: D93 on May 16, 2015, 05:37:08 PM

Incorrect. All Amex cards have primary CDW as well, it officially costs $25, but you can rent the car on your Amex card and if nothing happens to the car (so you don't need to come onto the primary CDW), you can switch the card upon returning the car and pay using a different card.

IMO, if something does happen to the car, Amex insurance is a lot easier to deal with than Chase insurance (yes, I'm talking from experience of dealing with crashes with Amex and Chase SP).

Quote from: Emkay on May 16, 2015, 07:05:15 PM

Remind me not to be on the road with you

Quote from: Dr Moose on May 16, 2015, 09:19:03 PM

+1 to the entire statement

So we also need to stay off the road when Dr. Moose is driving?

Dr Moose · « **Reply #67 on:** May 18, 2015, 10:22:17 AM »

Quote from: 3yummyboys on May 18, 2015, 08:57:25 AM

So we also need to stay off the road when Dr. Moose is driving?

although I do have my fair share of accidents with rental cars, I have a lot more experience helping all my friends who call me frantically after smashing up a rental car.

D93 · « **Reply #68 on:** May 18, 2015, 10:27:57 AM »

Quote from: Dr Moose on May 18, 2015, 10:22:17 AM

although I do have my fair share of accidents with rental cars, I have a lot more experience helping all my friends who call me frantically after smashing up a rental car.

Quote from: Dr Moose on May 16, 2015, 09:19:03 PM

+1 to the entire statement

yitrap · « **Reply #69 on:** May 18, 2015, 10:34:18 AM »

Quote from: Dr Moose on May 18, 2015, 10:22:17 AM

although I do have my fair share of accidents with rental cars

+1 to that BH

Quote from: Dr Moose on May 18, 2015, 10:22:17 AM

I have a lot more experience helping all my friends who call me frantically after smashing up a rental car.

+100000 to that

Shauly101 · « **Reply #70 on:** May 18, 2015, 10:40:57 AM »

clear thinker · « **Reply #71 on:** May 18, 2015, 10:59:06 AM »

Quote from: @Yehuda on May 15, 2015, 01:54:32 PM

Isn't ED non-preferred 2.4% on groceries?

+1?

Luvtotravel · « **Reply #72 on:** May 18, 2015, 12:06:53 PM »

Do these calculations take into account cards that reward you for hitting large spending thresholds like sw? That's always my issue with divvying up my purchases onto dozens of cards, that I don't allow any one card to accumulate a large balance.

ADG · « **Reply #73 on:** May 18, 2015, 03:27:28 PM »

whats amex PRG?

Marco Polo · « **Reply #74 on:** May 18, 2015, 03:28:30 PM »

Quote from: ADG on May 18, 2015, 03:27:28 PM

whats amex PRG?

Premier Rewards Gold card.

ADG · « **Reply #75 on:** May 18, 2015, 03:50:44 PM »

Quote from: Marco Polo on May 18, 2015, 03:28:30 PM

Premier Rewards Gold card.

Thanks... That card has a 195 AF ? shit I better not forget to cancel it!

BTW before the new benefits kick in on it i really didn't find it useful and i dont think the benefits will change that

Marco Polo · « **Reply #76 on:** May 18, 2015, 03:51:47 PM »

Quote from: ADG on May 18, 2015, 03:50:44 PM

Thanks... That card has a 195 AF ? shit I better not forget to cancel it!

BTW before the new benefits kick in on it i really didn't find it useful and i dont think the benefits will change that

The $100 airline credit and the benefits of SBS and Amex Offers can make it worthwhile.

ADG · « **Reply #77 on:** May 18, 2015, 03:55:00 PM »

Quote from: Marco Polo on May 18, 2015, 03:51:47 PM

The $100 airline credit and the benefits of SBS and Amex Offers can make it worthwhile.

SBS ... if you have 10 AUs

Marco Polo · « **Reply #78 on:** May 18, 2015, 04:02:36 PM »

Quote from: ADG on May 18, 2015, 03:55:00 PM

SBS ... if you have 10 AUs

$175 AF - $100 airline credit = $75

Going on the SBS offer from last year, you only need 2.5 cards to cover yourself.

ADG · « **Reply #79 on:** May 18, 2015, 04:39:54 PM »

Quote from: Marco Polo on May 18, 2015, 04:02:36 PM

$175 AF - $100 airline credit = $75

Going on the SBS offer from last year, you only need 2.5 cards to cover yourself.

... If you want to get technical ... I want a card that will get me status and this card cant do it...