Author Topic: SPG vs Capital One  (Read 1434 times)

Offline MosheS

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SPG vs Capital One
« on: February 22, 2017, 11:23:09 AM »
For someone that doesn’t stay much in hotels and books airline tickets at whim (not much time to wait for points to transfer), what is a better credit card to accumulate points on? AMEX SPG or Capital One?

Offline shulem92

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Re: SPG vs Capital One
« Reply #1 on: February 22, 2017, 12:00:14 PM »
For someone that doesn’t stay much in hotels and books airline tickets at whim (not much time to wait for points to transfer), what is a better credit card to accumulate points on? AMEX SPG or Capital One?
You basically sound like you made a decision already. It sounds like your question can be rephrased as a statement: "Being that I have no use for spg points, should I just accumulate points on capitol one for a 1% cash back"

Online mmgfarb

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Re: SPG vs Capital One
« Reply #2 on: February 22, 2017, 01:00:32 PM »
For someone that doesn’t stay much in hotels and books airline tickets at whim (not much time to wait for points to transfer), what is a better credit card to accumulate points on? AMEX SPG or Capital One?
Why are those the only options?
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Offline MosheS

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Re: SPG vs Capital One
« Reply #3 on: February 22, 2017, 01:09:09 PM »
Have not made any decision yet. Have been using SPG for years accumulating many many points and then selling them for about 1.65 cents per point. Someone recommended Capital One Business which offers 2 cents cash back on every dollar charged (so I was told). Asking for people with experience if it makes sense to start using a Capital One Business card going forward. If there are other (better) options, I'd love to hear them please.

Offline Redbull3

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Re: SPG vs Capital One
« Reply #4 on: February 22, 2017, 01:11:08 PM »
Have not made any decision yet. Have been using SPG for years accumulating many many points and then selling them for about 1.65 cents per point. Someone recommended Capital One Business which offers 2 cents cash back on every dollar charged (so I was told). Asking for people with experience if it makes sense to start using a Capital One Business card going forward. If there are other (better) options, I'd love to hear them please.
Chase Freedom Unlimited 1.5x UR is my go to for non-category spend.

Offline chbochur

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Re: SPG vs Capital One
« Reply #5 on: February 22, 2017, 01:49:27 PM »
For someone that doesn’t stay much in hotels and books airline tickets at whim (not much time to wait for points to transfer), what is a better credit card to accumulate points on? AMEX SPG or Capital One?
If all you do is selling the value of spg at 1.6 why wouldn't it make sense to get a value of 2 CPP plus not having to deal with selling it

Online mmgfarb

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Re: SPG vs Capital One
« Reply #6 on: February 22, 2017, 01:53:59 PM »
FU= 1.5 PPD x ~ 1.4-1.5 CPP= 2.1-2.25 CPP
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline MosheS

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Re: SPG vs Capital One
« Reply #7 on: February 22, 2017, 02:15:44 PM »
FU= 1.5 PPD x ~ 1.4-1.5 CPP= 2.1-2.25 CPP
Please explain for the lay person. I don't understand your brevity.

Offline aygart

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Re: SPG vs Capital One
« Reply #8 on: February 22, 2017, 02:22:05 PM »
FU= 1.5 PPD x ~ 1.4-1.5 CPP= 2.1-2.25 CPP
He would probably need the CSR to get that level of CPP. If it is not d done yet I will explain what she and I wrote soon.
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Offline Redbull3

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Re: SPG vs Capital One
« Reply #9 on: February 22, 2017, 02:31:06 PM »
FU= 1.5 PPD x ~ 1.4-1.5 CPP= 2.1-2.25 CPP
Please explain for the lay person. I don't understand your brevity.
Freedom unlimited will give you 1.5 points per dollar, multiplied by approximately 1.4 to 1.5 cents per point [via grey market sale, or redemption value, which gives you a net of either] 2.1 or 2.5 cents per point.

Offline aygart

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Re: SPG vs Capital One
« Reply #10 on: February 22, 2017, 03:37:11 PM »
Freedom unlimited will give you 1.5 points per dollar, multiplied by approximately 1.4 to 1.5 cents per point [via grey market sale, or redemption value, which gives you a net of either] 2.1 or 2.5 cents per point.
And I added that with Chase sapphire reserve it would them give a redemption value of .015 per point fur travel through Chase
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Offline Yehuda25

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Re: SPG vs Capital One
« Reply #11 on: January 09, 2018, 11:54:58 PM »
Have not made any decision yet. Have been using SPG for years accumulating many many points and then selling them for about 1.65 cents per point. Someone recommended Capital One Business which offers 2 cents cash back on every dollar charged (so I was told). Asking for people with experience if it makes sense to start using a Capital One Business card going forward. If there are other (better) options, I'd love to hear them please.
of course, that or a CITI double cash, no annual fee.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Online mmgfarb

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Re: SPG vs Capital One
« Reply #12 on: January 10, 2018, 12:19:46 AM »
of course, that or a CITI double cash, no annual fee.
Why are you responding to a post from almost a year ago?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Yehuda25

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Re: SPG vs Capital One
« Reply #13 on: January 10, 2018, 12:26:05 AM »
Why are you responding to a post from almost a year ago?
my specialty ;D

saw the topic after doing a search for capital one, figured might as well chime in -still a good good resources for all. 
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline PillanSmye

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Re: SPG vs Capital One
« Reply #14 on: January 10, 2018, 10:47:15 AM »
No one asked if the CC was for personal or business spend.

No one asked what the OPs spend patterns are.