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re: Best credit card for me...

Posted on 4/15/14 at 3:22 pm to
Posted by Teddy Ruxpin
Member since Oct 2006
39642 posts
Posted on 4/15/14 at 3:22 pm to
A CSP/Freedom combo is basically a no brainer, at least for the fee free first year on the CSP. After sign up bonuses, you'll have about 50,000 UR points, which is not too far away from a roundtrip ticket to pretty much any where in the world.

quote:

However i am a chase customer, so i am not sure what that lends me.


I will say this, my banking relationship with Chase started with credit cards, and when looking for a car loan and now a mortgage, they are coming in very competitively if not downright blasting other lender offers. I can't imagine that would happen if I didn't have my cards with them. Of course, YMMV, but I'm not sure you'd receive any extra credit card benefits from them from being a customer, beside maybe some better targeted offers down the line.

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eta: also thought the Marriot Rewards Premier looked good for hotel staying, which i also do a lot of.



I hear these points are worth shite for spending after you earn the bonus, but I have no experience with them.

quote:

then couple that with the Chase Sapphire or Barclays Arrival.



Depending on how much you spend a month, having an Arrival can be very useful. You should at least get the CSP for year one, book a trip with it, then see if you want to keep it at the premium level for partner redemptions or not. You can always downgrade after the first year and never incur the fee and still get 2x dining with it. If you don't go overseas, you would be better off just blasting away with the Arrival.

I have a Chase Ink Plus, CSP, and Freedom. I will downgrade CSP to regular Sapphire, keeping Ink for partner redemptions. I also have an Arrival for covering the random travel expense and taxes on award flights.
This post was edited on 4/15/14 at 3:25 pm
Posted by donRANDOMnumbers
Hub City
Member since Nov 2006
16945 posts
Posted on 4/15/14 at 3:26 pm to
any thoughts on getting a Penfed for gas only?

for instance i commute 200+ miles a day. or would you simply use the freedom rotating 5%.
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