What's the best program for me? (and 2 other questions)

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What's the best program for me? (and 2 other questions)

Postby pac4toon » Sun Jun 02, 2013 7:41 pm

Looking for a card with a rewards program that is better than the rest in your opinion?

Also, looking for a card with No Foreign transaction fee (other than Capital One)

Finally, do you think AMEX gold premier rewards is worth the $175 annual fee?

In my wallet:
CHASE Freedom Unlimited / AMEX Hilton Honors

In my sock drawer:
CHASE Freedom / AMEX Blue Cash Everyday

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Postby MB131174 » Mon Jun 03, 2013 9:32 pm

Chase Sapphire Preferred, hands down. The annual fee is $0 the first year (like AmEx PRG), and $95 after that ($80 less than PRG). They give 2 points per dollar spent on travel and restaurants and 1 point on everything else. Unlike AmEx, there is NO FEE to transfer points to airlines, hotels, etc. I once transferred AmEx points and had to pay a fee. The Ultimate Rewards Mall is another way to get bonus points. AmEx has no such thing any more (I believe). There is no foreign transaction fee with CSP, unlike PRG which charges 2.7% or 3%. Your card will be made of metal (get's a lot of comments, way more than any "gold" card will. In fact, when I had the PRG card I never once got a comment on it. I get comments on the metal CSP card all the time), plus you can also request a regular plastic card with raised numbers. Cust service is amazing with CSP. You call and are directed to a US based, English speaking rep without having to navigate a barrage of options. CPS > AmEx PRG
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Postby cashback » Mon Jun 03, 2013 9:43 pm

There is no "one card to rule them all" out there. You need an arsenal of cards if you want to get great rewards on everything.

While MB is entitled to his opinion, I would not recommend the CSP at all if you are only interested in one card. Compared to Amex it is better, but 2 points on travel and restaurants is pretty weak. You could easily get 5% on those categories.

People tend to love the CSP because of the UR mall, not because of the rewards the card gets you itself. Also, it comes with a $95 AF.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

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Postby lexrj » Tue Jun 04, 2013 12:22 am

Cashback is right, there is no "one card to rule them all" out there but Barclay Arrival Master Card is a great option based on what you posted and in my opinion better than Chase Sapphire Preferred.
Most AMEX charge cards in my opinion are overrated, overpriced and it's acceptance is in rapid decline, specially abroad. I just came back from Europe and thank god I planned to use my CSP, because lots of places wouldn't take AMEX.

Barclay Arrival Master Card
- $89 (lower AF than CSP)
-2% on everything (not only dining/travel)
-no FTF
-same $400 bonus sign up for less spending. $1000 in 90 days instead of $3000 on CSP
-unless you really need or care for excellent customer service or the UR Mall then Barclay isn't for you, otherwise it's a no brainer for me.

One more thing to consider is that Chase has been way more generous with initial credit limits than Barclay.

I wish they had the Arrival 2% on everything when I applied for the CSP, I'm def. switching next yr before my AF hits.
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

FICO EX 772 / TU 765 / EQ 762 - (09/14)
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Postby swipe_masta » Tue Jun 04, 2013 12:01 pm

My Venture gets me 2x pts on all my purchases with no FTF and an AF of only 59 bucks. Their purchase eraser is pretty neat and their rewards redemption is pretty nice too. Everyone discredits CapitalOne, but I have no problems with them.

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Postby pac4toon » Tue Jun 04, 2013 2:29 pm

I agree with the "no one card to rule them all", it's just that I've been using Bank of Hawaii HawaiianAir Visa for airline points & AmEx Blue Cash Everyday for the cash back. Looking for one card to pretty much use almost always with rewards that can be redeemed for pretty much everything (cash, travel, hotel, gift cards). I'm on the fence as far as picking up the PRG.
In my wallet:
CHASE Freedom Unlimited / AMEX Hilton Honors

In my sock drawer:
CHASE Freedom / AMEX Blue Cash Everyday

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Postby agp » Tue Jun 04, 2013 9:52 pm

What's the best program for what? Each card is best in its own way and its own category.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Postby FutureBillionaire » Tue Jun 04, 2013 10:03 pm

Get the Cash + card and choose from what you need. That's a good first step.

I need to research this Barclay card. I'm not sure I understand how you redeem the rewards.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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