wiivile wrote:Is it worth it, though, when the Double Cash gives you 2 cents on everything with no annual fee and without having to work hard to maximize the value of every single point?
Worth is always highly subjective regardless of topic. That's your call to make. For some it's worth it. For others it is not. There are a number of different considerations at play and the priorities and preferences associated with those considerations can vary from person to person. You can't just rely on generalizations to make decisions like this. It's how your specifics factor in that matter and you just to have to determine the weight of each one for yourself.
wiivile wrote:And the only scenarios I've seen with really good point values (3 cents+) are on international first class flights, which to most people is unrealistic, since you need absurd amount of points. (In general I find first class to be a huge waste of money unless you're a really really tall person and can't stand economy size seats).
Again, subjective. There are plenty that find it worthwhile because their spend and travel priorities support booking reward travel in premium cabins. You can't determine "absurd" or "waste" for others. You can only determine it for yourself. You need to make your own decision based on your specific situation and preferences. It does sound to me like a simple flat 2% cash back option might be better suited to you based on what you've stated.
wiivile wrote:I don't think you can include a guy's previously earned United frequent flyer miles into the mathematics of this equation...
While it might be irrelevant to you it certainly matters to that guy. That's the nature of subjectivity. My nearly exclusive travel on United is one major reason why I focus on UR cards. Does that matter to others? I can't say and, frankly, I don't care. It's up to others to determine the importance of the different considerations.
In any case, that guy was just presented as an example where other considerations could matter.
NuHere wrote:I'd earn miles with that one as well as with CSP. Then I would transfer CSP's miles to airline credit card miles and use them when purchasing tickets.
Nope. The miles/points are in frequent flier accounts with the airlines. The cobranded airline cards just accrue miles/points in the FF programs. They don't accrue their own miles.
That said, the airline cards could still be useful if one values the associated travel benefits. A frequent enough traveler with sufficient status may be getting some or all of those benefits already.