Which program should I go with?

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abuthemagician
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Location: United States

Which program should I go with?

Postby abuthemagician » Fri May 03, 2013 11:44 pm

Ok. I have decided to start making *some* purchases with a credit card solely to get rewards back from them. I generally spend about $70 a week on Gas, and $150 Between the local supermarket, Target and Walmart for groceries each week. I also have a $280 monthly cell phone bill and pay about $200 for Electricity every month and internet+cable is about $80.

Other than my mortgage and insurance bills, I really don't spend any extra money.

Based on these numbers, what would be the best fit for me? Could i get away with a business card, and which one would be best? I am really trying to build up my airline miles with Delta, points with Amtrak, and point with Hilton. I don't really care about cash back, and wouldn't mind signing up for 2 cards within the minimum spend limits if it will max my bonus rewards potential. I have excellent credit so qualifying isn't much of an issue and i really don't care what it does to my credit score since I pay cash for new cars. All items/bills that would be paid for with this card would be paid off each month since I would have the cash sitting in my bank account.

I totally understand this requires a lot of attention since you have to hit min spends, as well as remembering to pay it off each month so you don't waste money on interest.I plan to setup a "Club" account to transfer each amount i spend on the credit card, then transfer it back when i pay the CC bill, so no worries about not having money to pay the bill.

So which should I go for? Thanks in advance! Hoping to pay only tax for a flight to Kentucky in 2 or 3 years for 5 people.


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FastSRT8
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Postby FastSRT8 » Fri May 10, 2013 9:07 pm

What cards are you holding now? How are you collecting the points you have mentioned? Would be nice to know so we can see how to best complement what you already have
Carpe diem quam minimum credula postero!

abuthemagician
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Posts: 3
Joined: Fri May 03, 2013 11:22 pm
Location: United States

Postby abuthemagician » Sat May 11, 2013 9:23 am

I have 0 cards right now. I have been collecting Delta Air miles and HHonnors points. If there is a program that lets me convert to those, or use the points in conjunction that would be cool too.



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