kdm31091 wrote:There are just so many factors with all of this stuff that I think sometimes people overlook, and it results in them ending up with a bunch of redundant cards that sit in the SD. If you already have a Double Cash, is a Blispay really worth the HP? Do you really need 3 "just in case" BT cards? If you find yourself needing BTs that often you need to look at your spending.
People on MF just seem to apply for anything that has even the slightest purpose, then their signature is loaded up with 10 or 20 cards and they talk about wanting to "simplify". If you just figure out ahead of time how necessary the account really is you can save yourself a lot of headache.
Unless you are truly very high income and spend, people need to stop trying to justify 5 different reward programs for their travel. You will get nowhere if you are spreading across cash back, UR, MR, TY, hotel points, etc, etc. IMO it's best to pick a program and stick to it. Again, higher spending can tolerate more, and sign up bonuses are a different matter. But for the long term, I think people just spread too thin a lot of the time.
True. On MF They apply for whatever they can get though.
I kind of agree but you also have to consider it can be a challenge to line up your spend with rewards. Chase has ties with southwest and Marriott and holiday inn while amex has delta and Hilton and starwood. If you are locked into one thing it doesn't give you as much to work with.
So ideally yeah pick ur or mr or whatever for greatest return or even something generic like barclay arrival but picking only one is going to limit you too it's all a trade-off.
I went with amex plat for Holton and starwood and rental upgrades at national hertz and avid and the ihg for holiday inn and the choice hotels card. That gives me a lot of flexibility and mr points can be transferred to the choice card which pairs it well with amex.
It would be great if one card did it all but I know of no such card or I would apply for it.