Sanity Check: Which Credit Card Should I Get?

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Sanity Check: Which Credit Card Should I Get?

Postby mikepink » Sat Aug 18, 2012 2:06 pm

Sanity Check: Chase Freedom+Sapphire+Checking vs. Amex Gold Premier Rewards?

So I was about to apply for Amex Gold Premier Rewards card, but the Chase Sapphire Preferred happened to catch my eye this morning. I'm not 100% sure, but I think it might actually be a better fit for me than the Amex?

For reference:
-I already have a Chase Freedom and Checking Account.
-I already have an Amex Zync.
-I fly often, almost exclusively on Virgin America (only Amex can transfer point to their miles)
-I spend more on restaurants than I do on groceries
-I don't have a car and rarely buy gas
-I don't care about the difference in annual fees or sign up bonuses

It seems like the difference is on the margin. I primarily want to redeem my point for air travel/frequent flier miles, and if I didn't value flying on Virgin America much higher than other flying on other airlines, I feel like sticking with the Chase ecosystem would be a clear choice.

What do you all think?

Money card
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Postby Money card » Sun Aug 19, 2012 1:54 am

well do you use the gold card events do you need to buy tickets for events like rock concerts before the general public?

when out of town would you have a need for concierge service such as needing help getting sporting events, making dinner resorvations
and any travel arangements?

do you travel out of the country?

this is what I would say if you get alot of theatrical events but you can handle the sporting events, out of town dinner resorvations, your company takes care of your travel arangements I would then get the Gold card, if you go to a lot of concerts.

If you have no use for gold card events , but you would be intrested in having help with out of town dining resorvations and sporting events
I would then get the Sapphire.

points wise for restaurants gold card 1 point per dollar, chase Sapphire 2 points per dollar.
for airline miles for the gold premire it's 3x the points
for the basic sapphire on airlines 1 point per dollar
for the perfered it's 2 points per dollar spent.

heres something for you to look at and think about.

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Postby Crashem » Sun Aug 19, 2012 2:02 am

Personally I like having good history with more than one lender. Some points to digest. I believe with only zync, you cant transfer points to miles. Might want to double check that. So you would need to get at least green to use existing points for virgin miles. Chase trifecta is great for rewards, but you need that sapphire to complete it. If you go for csp, remember it is a 5k card. If your other cards aren't in 5k range, you might get rejection on card no matter what your scores are.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

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Postby jeffysdad » Sun Aug 19, 2012 9:57 am

If you do fly Virgin a lot, I would just get their rewards card (from Barclays, I think). If this card has a fee (which it likely does after intro.), you could drop CSP down to plain Sapphire so you wouldn't be paying AF on two cards (if you dropped Zync, which I would do). I think there is some value in being able to manage as many of your accounts from one website, in your case Chase, as possible.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby mikepink » Sun Aug 19, 2012 3:48 pm

Thanks for the replies.

I don't think I'd take advantage of gold card events. I've never had an issue getting tickets to see the shows I want to see. I wouldn't say getting tickets to sporting events while on the road is super important to me, either.

I travel internationally on average once a year, but that may increase increase the in coming years.

My only cards are the Freedom (at 6k) and the Zync (charge card), so it sounds like my chances for CSP are decent.

After reading the review of the Virgin America card (Virgin America Credit Card Review: The Good & Bad), it honestly sounds like it might be the best for me out of the 3. Considering I spend about $5k annually on Virgin flights and Virgin is where I'd primarily want to spend my points, it seems pretty logical. The card gets 3x points on money spent on Virgin.

I gotta think about it some more, but I'll probably end up going for the Virgin card.

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