- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Big spending is subjective, and depends on the card. A lot of travel cards, from Amex and others (like Surpass and Reserve), don't offer certain benefits until you've spent $10k-$40k on the card in a year.
Citi Reserve has a better signup bonus, and may be a bit better with the anniversary night. Amex has their cash back offers and no AF until the second year, though.
I'm not in a rush to get any of them. I might get the Citi Reserve for the bonus, but the only one that would make any little bit of sense for me in the long run would be yours - the no-AF Amex - and then just for occasional offers and hotel stays. I rarely redeem the rewards on BCE, so it would really take a long time to accrue enough points for a hotel stay. I'd go with a more lucrative option for my 4th Amex.
Glad to hear of your success, flan!
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech