I'm not really a churner. Just looking to maximize my rewards as my spending increases. I've always been of the mind that you shouldn't split your points (between programs) but I could always be persuaded.

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Posted by Teddy Ruxpin

Member since Oct 2006

39617 posts

Posted on 3/14/14 at 3:50 pm to Joshjrn

quote:
I'm not really a churner. Just looking to maximize my rewards as my spending increases. I've always been of the mind that you shouldn't split your points (between programs) but I could always be persuaded.

You should diversify a little bit, which protects you from devaluations of particular programs.

However, you are right, if you split too much, you'll be hitting devaluations in all those programs before you could ever use them. Finding the right mix is a case by case basis.

Right now, I have three types.
Chase UR - Earn 6,000 points a month - 72,000 a year - $95 fee (Can supercharge with Ink Plus as needed)
Starwood - Earn 1750 points a month - 21000 a year - $65 fee
Barclay's - earn 2500 points a month - 30,000 or $300 a year - $89 fee.

Still working on my mix.

And then whatever card I want to get as a spending bonus earn and burn.

This post was edited on 3/14/14 at 4:06 pm

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Posted by Hawkeye95

Member since Dec 2013

20293 posts

Posted on 3/14/14 at 3:53 pm to Joshjrn

if you travel a lot, and can use your personal credit card for the airline tix, you really cannot beat going with the official airline card. They usually throw all sorts of benefits at you for doing so, priority boarding, better seating, club passes, etc. Some will give you EQM for signing up, so it can push you over a status level.

But if you don't travel a ton already, those other cards can't be beat.

I personally still use my employee credit card when I worked at a bank. 1% back, and 7.9% for life although I have never carried a balance.

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