Which CC to Get Next?

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CCGuy88
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Which CC to Get Next?

Postby CCGuy88 » Mon Apr 03, 2017 8:37 am

Hi everyone,

I'm at a point where I will buying a few things in a couple of months, and it only makes sense to get a cc. I would like to travel this year, but I'm deciding that vs signup bonus (preferably $200 or higher).

What cc would you recommend based on following:

- Will spend about $1000-3,000 in 90 days ($4000 is a bit of stretch, probably could do it).
- Prefer no annual fee (but wondering if getting sapphire preferred and downgraded to a freedom unlimited after a year).
- Prefer no foreign transaction fee (wondering if capital one business venture with 200 signup).
- I have the ink cash, freedom (regular), and amex simply cash.

I've been researching and found AAdvantage credit cards seem to have a good program?


Stros05
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Re: Which CC to Get Next?

Postby Stros05 » Mon Apr 03, 2017 2:06 pm

It might depend on where you stay when you travel. If you stay at Starwood hotels, you should consider the SPG card. If you would prefer being able to choose any hotel chain, you should consider the Barclaycard Arrival. Neither card has a fee for the first year and you get a lot of sign-up bonus for $3K.

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CarefulBuilder14
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Re: Which CC to Get Next?

Postby CarefulBuilder14 » Mon Apr 03, 2017 5:23 pm

AAdvantage cards are worth considering. I've found award availability to be quite bad on my routes, though.

Stros05 wrote:It might depend on where you stay when you travel. If you stay at Starwood hotels, you should consider the SPG card. If you would prefer being able to choose any hotel chain, you should consider the Barclaycard Arrival. Neither card has a fee for the first year and you get a lot of sign-up bonus for $3K.

SPG..at least for the next day or two...does offer a big bonus. To make the most of it, though, you need to spend $3k in the first 3 months plus another $2k in the first 6 months.

Since you already have the Ink Cash and Freedom, it seems hard to go wrong with either Sapphire Preferred or even Sapphire Reserve (since you can downgrade to Freedom Unlimited). You'd get both value and flexibility.

If you can reach the $4k for CSP/CSR, I think either of those would make more sense than Arrival+.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

CCGuy88
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Re: Which CC to Get Next?

Postby CCGuy88 » Sun Apr 09, 2017 9:21 am

I'm trying to narrow it down by today, so I'm wondering should I get the Sapphire Preferred or even Sapphire Reserve?

Seems like the reserve has a $450 fee as opposed the sapphire preferred has no fee for the first year.

I made a deal with my parent that they will charge $1500-$2,000 and give me the cash in exchange of of half the points (I dont mind since my mom hasnt been on a plane in over 2 decades).

If anyone has any suggestions or any other cc, let me know. Thanks in advance!

Tubpbs
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Re: Which CC to Get Next?

Postby Tubpbs » Sun Apr 09, 2017 9:28 am

CCGuy88 wrote:I'm trying to narrow it down by today, so I'm wondering should I get the Sapphire Preferred or even Sapphire Reserve?

Seems like the reserve has a $450 fee as opposed the sapphire preferred has no fee for the first year.

I made a deal with my parent that they will charge $1500-$2,000 and give me the cash in exchange of of half the points (I dont mind since my mom hasnt been on a plane in over 2 decades).

If anyone has any suggestions or any other cc, let me know. Thanks in advance!


If you cannot meet the spending requirements for the sign up bonus I would strongly advise against getting either card, but absolutely do not get the Reserve. What benefit(s) will it provide you in the short term that is worth $450 to you?? By the time you'll have paid $95 for the Preferred, you will have paid $900 for the Reserve. The bonus points are the same 50,000 (with a 25% bonus instead of 50%). If you can't spend $4,000 in 3 months by yourself, I don't see how $450 on top of that immediately is going to help you.

Also, splitting 50,000 points may prove to be difficult both in practice and application. Neither of you are going very far, if anywhere on a plane for 25,000 points.

Truthfully, unless I'm misreading things, it seems like you're better off applying for a Chase Freedom or Freedom Unlimited. You spend $500 and get $150 back. This won't stretch you thin and you don't need to share your bonus with anyone or worry about an annual fee or spending the money in time or any of that.

Again, I may be misreading things, but it does not seem like either Chase Sapphire card is a great fit for you for long term use or even for bonus hunting at this time.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

CCGuy88
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Re: Which CC to Get Next?

Postby CCGuy88 » Sun Apr 09, 2017 12:01 pm

She would like to go from Houston to Washington DC. I on the other may or may not be traveling this year, so I'm wondering if that's the card for me (sapphire preferred)? I only would keep it for about a year or two and downgrade to the freedom unlimited.

For sure, I will be spending about 2-3k in the next 90 days, so I'm really trying to boil down the card that would be right for me? I already have the freedom, I just am looking for a card that preferably:

- has no foreign or annual fee.
- a high signup bonus like with cb, miles, etc. (ex. Like at least $300 or more).

I see there's a capital one business card that fits most of that criteria, but only a $200 signup bonus.

Would love to hear your thoughts, thanks.

Tubpbs
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Re: Which CC to Get Next?

Postby Tubpbs » Sun Apr 09, 2017 4:51 pm

CCGuy88 wrote:She would like to go from Houston to Washington DC. I on the other may or may not be traveling this year, so I'm wondering if that's the card for me (sapphire preferred)? I only would keep it for about a year or two and downgrade to the freedom unlimited.

For sure, I will be spending about 2-3k in the next 90 days, so I'm really trying to boil down the card that would be right for me? I already have the freedom, I just am looking for a card that preferably:

- has no foreign or annual fee.
- a high signup bonus like with cb, miles, etc. (ex. Like at least $300 or more).

I see there's a capital one business card that fits most of that criteria, but only a $200 signup bonus.

Would love to hear your thoughts, thanks.


Do you have a business?

Well, I think the decision is yours to make. Look at the cards you're interested in more closely and weigh the pros and cons or each and make a move.
Last edited by Tubpbs on Sun Apr 09, 2017 8:38 pm, edited 1 time in total.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

CCGuy88
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Location: Houston, Texas

Re: Which CC to Get Next?

Postby CCGuy88 » Sun Apr 09, 2017 6:33 pm

Yes, currently I have a small business.

mountaindewvoltage
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Re: Which CC to Get Next?

Postby mountaindewvoltage » Sun Apr 09, 2017 11:44 pm

Tubpbs wrote:
CCGuy88 wrote:I'm trying to narrow it down by today, so I'm wondering should I get the Sapphire Preferred or even Sapphire Reserve?

Seems like the reserve has a $450 fee as opposed the sapphire preferred has no fee for the first year.

I made a deal with my parent that they will charge $1500-$2,000 and give me the cash in exchange of of half the points (I dont mind since my mom hasnt been on a plane in over 2 decades).

If anyone has any suggestions or any other cc, let me know. Thanks in advance!


If you cannot meet the spending requirements for the sign up bonus I would strongly advise against getting either card, but absolutely do not get the Reserve. What benefit(s) will it provide you in the short term that is worth $450 to you?? By the time you'll have paid $95 for the Preferred, you will have paid $900 for the Reserve. The bonus points are the same 50,000 (with a 25% bonus instead of 50%). If you can't spend $4,000 in 3 months by yourself, I don't see how $450 on top of that immediately is going to help you.

Also, splitting 50,000 points may prove to be difficult both in practice and application. Neither of you are going very far, if anywhere on a plane for 25,000 points.

Truthfully, unless I'm misreading things, it seems like you're better off applying for a Chase Freedom or Freedom Unlimited. You spend $500 and get $150 back. This won't stretch you thin and you don't need to share your bonus with anyone or worry about an annual fee or spending the money in time or any of that.

Again, I may be misreading things, but it does not seem like either Chase Sapphire card is a great fit for you for long term use or even for bonus hunting at this time.


I beg to differ. While not a Chase UR partner, you can get a one way ticket from Syracuse to Orlando with Jet Blue for 12,300 points which is a $179 value. You can in fact fly across the country on 25,000 points. Multiply that by four (for two people and 50,000 points) and the value would be $716 when transferred 1:1, which doesn't happen (it's usually 4:3) but each Jet Blue point is still valued at 1.4+ cents a piece.

To use an actual UR partner example, you can use the 50,000 points >>> 75,000 points when redeemed for travel (with CSR) plus the $300 airline waiver credit. You're getting 75,000 UR points for essentially a $150 annual fee the first year. I can get a Southwest Airlines ticket from Tampa to Rochester for 9,700 points each (valued at $318 round trip with 19,400 points) and still have 55,600 points left over for a companion in which their tickets would be $18 anyway after the $300 airline credit, so why bother using points for the second ticket?

I can get a flight from Tampa to LAX for 15,700 points per way. Again, cross country... It may be one way to keep the redemption under 25,000 points, but the 50% bonus on the Chase Sapphire Reserve won't keep the OP at a 25,000 point redemption max... It's 37,500 which actually allows a round-trip fare for the OP back to Tampa (round-trip worth $502 and $202 for a companion ticket with the $300 airline credit).

Horrible, horrible advice... I expect much better from you. You can indeed fly cross country, round-trip while giving 50% of your bonus points on the CSR to someone else, as long as they're redeemed for travel. Additionally the $300 airline credit and the miles value: cash value where miles value > cash value definitely makes this card worthwhile.

Tubpbs
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Re: Which CC to Get Next?

Postby Tubpbs » Mon Apr 10, 2017 6:20 am

The OP is not going to make use of any of these things. How is someone who is splitting a sign up bonus with their parent going to use up a $300 annual travel credit? Reality comes into play here.

Who is flying from Tampa to Rochester????

There is only cause for someone there is value for. Just because a deal exists doesn't mean it is useful. Expect whatever you want from me but my advice is good. If this person gets the CSR, they will be underwater on it quickly and not emerge. They have some chance with the CSP, but based off of the need to split the spending threshold with a patent, again, the card is not a fit for this person.

I personally don't care if the OP listens to me or you or neither of us, but my advice certainly is sound. This person will not benefit from getting a card that isn't a good fit for them.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



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