Posted by
Message
Lsut81
Chicago Cubs Fan
Member since Jun 2005
75900 posts
 Online 

re: Credit Card Rewards and Points Discussion
Just talked to Amex, so the additional gold card if you have the platinum is basically a watered down "gold" platinum card. Like 1/5 of the benefits and saves you the 175 fee for additional card.

So, in my case it may be best to get platinum and cancel my gold card.

Platinum for Flights and hotels (5x pts)
Chase Sapphire Preferred for dining (3x pts)

thoughts?


Teddy Ruxpin
LSU Fan
Member since Oct 2006
37463 posts

re: Credit Card Rewards and Points Discussion
quote:

So I read that as you don't have the $250 fee on the gold. Am I wrong?


I think they is for Gold Card AUs. I don't think you can add yourself a card in your name as a fee free Gold under your Plat.

quote:

Yeah, the fee is ridiculous, but can't think of a better card. The 5x points on air and hotel will prob equal out to 80-100k pts a year



Trip protection isn't as good as some other things, but that's not your problem if the company is paying for it.
This post was edited on 1/14 at 1:37 pm


Lsut81
Chicago Cubs Fan
Member since Jun 2005
75900 posts
 Online 

re: Credit Card Rewards and Points Discussion
quote:

Trip protection isn't as good as some other things, but that's not your problem if the company is paying for it.


Exactly and even if they weren’t, my status with airlines/hotels doesn’t penalize me for last min cancellations or whatnot.


Replies (0)
Replies (0)
00
Teddy Ruxpin
LSU Fan
Member since Oct 2006
37463 posts

re: Credit Card Rewards and Points Discussion
Remember you only get 5x hotels with Plat if you book through Amex travel.

Like I said, MR are great but Amex is a real PITA with everything. It's always a scheme or hoop.


Lsut81
Chicago Cubs Fan
Member since Jun 2005
75900 posts
 Online 

re: Credit Card Rewards and Points Discussion
quote:

Remember you only get 5x hotels with Plat if you book through Amex travel.


I thought or directly through Airline/hotel. Just looked.

Yes with airline, but have to use amex travel for hotel.


Any other thoughts on card combos? I’d imagine Spend will be 25k on airlines, 15k on hotels, and 5k on dining annually just in work.


ETA: The flights along with Platinum should earn 100k/yr which at minimum is 1k if just redeemed for gift cards. That alone covers the fee, plus the other benefits like the air credit for personal travel, Uber credit, Saks credit, Sirius XM credit, Clear Credit, etc..

The hotels/Dining is where the dilemma comes in. 4x pts on dining with Gold for $250 fee, plus 4x at grocery or 3x dining with preferred for dining with $95 fee.

Nothing really with hotels though
This post was edited on 1/15 at 8:52 am


TheChiefHasArrived
New Orleans Saints Fan
Member since Dec 2011
571 posts

re: Credit Card Rewards and Points Discussion
The Venture X is new hot card on market and has a great SUB. Gets most of the benefits of the premium cards at half the AF. That may be a good place to start while the bonus is still 100K + $200 travel credit which may not last forever.


CSR is still great for your circumstance as well and would be the no brainer pick 2 months ago. You'll get the premium benefits lounges etc of the reserve, and you'll get 3x on dining all travel (even Uber etc) without having to use any portals. The UR are much simpler to use than Amex MR for beginners. You can get the Freedom cards or Ink cards and combine all your points to Sapphire as well. The portal at 1.5x is a decent return and they have easy to use transfer partners with United, SW & Hyatt that doesn't require a bunch of hoops or understanding of alliances. Sign up is just OK.


Amex MR are good to have but more complicated and I really only suggest them for more advanced points users once you've reached a good bank of UR and are looking to do a ton of int'l biz class. That said, the sign up bonuses on the Amex's now are great. It wouldn't be unreasonable to sign up for 2 or 3 of the above for the sign up bonuses which it sounds like you could easily hit and won't come out of your pocket and then decide which you want to keep long term.

The "gold card" the Platinum gives you is essentially useless other than being an authorized user card to give the wife. It does get its own Amex Offers and login that can occasionally be good deals but certainly not worth it in and of itself.

@Phitiger Before cancelling you can chat with Amex once the AF hits and ask for a retention offer, they have been very generous and would probably convince you to keep it. If not it would not be an issue to transfer out your points, Amex won't get "mad." Can transfer to British Airways for use on domestic AA flights, although speculative transfers without a redemption in mind are always a risk. Downgrade to green is OK option.
This post was edited on 1/15 at 1:49 pm


Replies (0)
Replies (0)
00
Jump to page
Page First 542 543 544
Jump to page
first pageprev pagePage 544 of 544next pagelast page
refresh

Back to top

logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram