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Posted on 2/10/15 at 11:31 am to VABuckeye
quote:
What airline do you fly on most?
This
&
quote:
Chase Sapphire Preferred might be a good starting points. Flexible points that transfer out to partners and 2X on dining.
This.
I'd possibly hold off on the Sapphire preffered in hopes of a higher bonus offer & consider the 60k point Chase Ink offer that runs through the month. It gives 5x on cell phone bills/cable bill/office supply & 2x on gas/hotel and 1x on everything else. It's a business card but does not require an EIN.
Posted on 2/10/15 at 11:34 am to Jcorye1
quote:Wrong answer
Delta is my favorite, and probably who I'd use the most on non-work flights.
I don't care what Bacon says. Are you wanting to use these points to fly domestically or internationally or possibly both?
Posted on 2/10/15 at 11:36 am to LSUAfro
quote:
Are you wanting to use these points to fly domestically or internationally or possibly both?
Domestically, I'm not that worried about flying around the world at this point, I'm only 26 ha.
Posted on 2/10/15 at 11:43 am to Jcorye1
How often are you flying?
If you are only flying a couple times a year I would just airline hop and use the signup bonus' for free flights as many others ITT do. If you fly more than 20 segments in a year I would look into committing to one airline.
I have gone the delta amex/regular amex route and road it to some really nice bonuses and perks. Earned about ~500k worth of skymiles last year between bonuses and flying and converted that to two RT business class seats to London this summer.
The DL Gold Amex typically has the 50k miles bonus with no signup fee but I don't know if I would use that as my everyday card.
If you are only flying a couple times a year I would just airline hop and use the signup bonus' for free flights as many others ITT do. If you fly more than 20 segments in a year I would look into committing to one airline.
I have gone the delta amex/regular amex route and road it to some really nice bonuses and perks. Earned about ~500k worth of skymiles last year between bonuses and flying and converted that to two RT business class seats to London this summer.
The DL Gold Amex typically has the 50k miles bonus with no signup fee but I don't know if I would use that as my everyday card.
This post was edited on 2/10/15 at 11:46 am
Posted on 2/10/15 at 11:45 am to hiltacular
quote:
If you are only flying a couple times a year I would just airline hop and use the signup bonus' for free flights as many others ITT do. If you fly more than 20 segments in a year I would look into committing to one airline.
Wouldn't getting a new credit card all the time really hurt my credit rating?
Posted on 2/10/15 at 11:47 am to Jcorye1
quote:
Wouldn't getting a new credit card all the time really hurt my credit rating?
That would be a question for Teddy and others who really churn cards but the general consensus is that unless you are buying a house soon, it really isn't a problem.
Posted on 2/10/15 at 11:47 am to Jcorye1
quote:Where are you flying out of mostly? Does Southwest or American fly out of it? Do you mind Southwest?
Domestically,
Generally, the two best domestic award redemptions are the British Airways Avios(which is a transfer partner of the Chase Ink & Sapphire cards and AMEX cards) and Southwest(Transfer partner of Chase cards).
British Airways partners with American Airlines, so you can book any of their award flights with your Avios.
American express cards such as the AMEX Premier Rewards Gold(There's a 50k point offer out there) offers transfer bonuses to Avios often. They just did a 40% bonus(e.g. 50k points turns in to 70k avios).
You don't want an airline branded credit card since you aren't paying for the flights. It will just restrict your options.
Posted on 2/10/15 at 11:49 am to LSUAfro
I like Delta the most, but right now I live in BR and will hopefully be moving to Houston, so AA is probably the best bet.
Posted on 2/10/15 at 11:50 am to LSUAfro
quote:
You don't want an airline branded credit card since you aren't paying for the flights. It will just restrict your options.
Depends on how much you are flying imo.
Posted on 2/10/15 at 11:50 am to Jcorye1
quote:
Wouldn't getting a new credit card all the time really hurt my credit rating?
How is your credit? Are you making any big purchases, such as a house, soon?
I apply for 6-8 cards/year and my credit is very good to excellent. Bounces between 750-810 depending on timing.
My wife does the same. Her credit improved greatly playing this game. She stays in the 760-790 area, but I'm a little more conservative with her accounts.
Posted on 2/10/15 at 11:51 am to Jcorye1
quote:
Wouldn't getting a new credit card all the time really hurt my credit rating?
Nope. You might take a small hit to your score here and there but over time used responsibly it will only strengthen your credit profile. I've opened 9 new cards in the last 10 months and my score has risen overall.
I'm not concerned with having the highest credit score possible. There is a point of diminishing returns that kicks in around a 750 score.
This post was edited on 2/10/15 at 11:53 am
Posted on 2/10/15 at 11:52 am to hiltacular
quote:
Depends on how much you are flying imo.
Using the miles, it would be once or twice a year.
Posted on 2/10/15 at 11:53 am to LSUAfro
quote:
How is your credit? Are you making any big purchases, such as a house, soon?
The earliest I would even think of purchasing a house is two years from now.
My credit score when I bought my vehicle a year ago was 768, I need to check it again soon ha.
This post was edited on 2/10/15 at 11:55 am
Posted on 2/10/15 at 11:53 am to hiltacular
quote:True, but if you're only getting 1 or 2 cards and aren't paying for any of your flights, it generally would make more sense to get a card with flexibility.
Depends on how much you are flying imo.
Posted on 2/10/15 at 11:59 am to Jcorye1
quote:That is usually good enough for almost any card and I'd probably apply for 2 cards now, and not again until you buy a house.
The earliest I would even think of purchasing a house is two years from now.
My credit score when I bought my vehicle was 768, I need to check it again soon ha.
The available revolving credit will help your score against the negative impacts of the credit pull. It will be a good thing for your score if you keep your utilization low(Under 10%).
My recommendations would be the Chase Ink Plus LINK. It does come with a 5k minimum spend though.
or
Chase Sapphire Preffered: LINK It comes with a 40k point(add an authorized user get another 5k) with a minimum spend of $4k.
These cards will transfer to Southwest and AA(through Avios) and will work well for BTR/MSY/HOB/IAH.
Posted on 2/10/15 at 12:00 pm to VABuckeye
quote:
I'm not concerned with having the highest credit score possible. There is a point of diminishing returns that kicks in around a 750 score.
Yep. There's no reward for winning the FICO score game. Generally anything over a 750 will get you the best rates available from most lenders.Posted on 2/10/15 at 12:08 pm to LSUAfro
How do you determine when to cancel the cards after using the points. I want to apply for 2 more, but don't want to pay fees on the new cards plus current cards in a year.
Posted on 2/10/15 at 12:53 pm to Creamer
quote:
How do you determine when to cancel the cards after using the points. I want to apply for 2 more, but don't want to pay fees on the new cards plus current cards in a year.
Sounds like you answered your own question.
Posted on 2/10/15 at 12:59 pm to Creamer
quote:If I'm not using the card anymore, or the card provides no other value to me such as free luggage, free hotel night, or lounge access, I cancel it. If you cancel a card make sure you won't lose your points. For Chase Ultimate Rewards, you must transfer your points or cash them out or you lose them. Between my wife and I we only keep 4 or 5 cards that carry fees. Too many fees and you eat away at the gains from the cards.
How do you determine when to cancel the cards after using the points. I want to apply for 2 more, but don't want to pay fees on the new cards plus current cards in a year.
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