Need an Amex card, looking at Gold Delta SkyMiles and Starwood Preferred Guest

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5 posts
mh1361
 
Posts: 1
Joined: Fri Mar 14, 2014 12:29 pm
Location: Harrisburg, PA

Need an Amex card, looking at Gold Delta SkyMiles and Starwood Preferred Guest

Postby mh1361 » Fri Mar 14, 2014 12:45 pm

Hi,
I'm a new member but have been getting great info from creditcardforum for a while now. Shortly I'll be joining Costco so I'll need to get an American Express card. I'm looking mostly for travel rewards right now, so I was thinking of going with the Gold Delta Skymiles card and the Starwood Preferred Guest card. I don't know if I'll be staying in any Starwood hotels, but at the very least I could transfer them to Delta Skymiles. Does that sound like a good plan? Also, should I apply for both on the same day, does that only count as one hard check on my credit report?

Thanks for your help!


samhradh
Centurion Member
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Posts: 388
Joined: Thu Nov 21, 2013 1:13 pm
Location: United States

Postby samhradh » Fri Mar 14, 2014 7:07 pm

First come up with a goal. Cash, travel, or MR points? Will you be buying a lot of gas at Costco? If yes, consider the Costco AmEx. If you want to balance your Costco purchases with non-Costco gas or groceries than the Blue Cash cards are good. Rather earn travel? Decide how (hotel/airline). We can't determine what best meets your needs. We can only reinforce the existing gospel to get the card that works best for YOU.

Personally, my first AmEx was the Costco one. I switched to the BCE after moving to a place with no convenient Costco locations. Now I'm a ten minute drive from one and my work is a 15 min drive from one with the area's cheapest gas. Once I pay my 0% APR cards down I plan to reapply for the Costco AmEx for the gas CB.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

Obi-dan
Centurion Member
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Posts: 190
Joined: Fri Aug 02, 2013 2:35 pm
Location: Houston, TX

Postby Obi-dan » Tue Mar 25, 2014 12:20 pm

A little late to the thread here but the Starwood Card is pretty flexible on what you can do with the points. Check out their review on the site.

Let us know what you end up doing.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

beachminter
Green Member
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Posts: 17
Joined: Mon Mar 24, 2014 11:19 pm
Location: Las Vegas, NV

Postby beachminter » Tue Mar 25, 2014 12:26 pm

I love the SPG card for the flexibility. Even if you don't stay at a Starwood, you can transfer 20,000 points to one of their partner airlines and they will give you an additional 5,000. Plus, the first year annual fee is waived.

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Tue Mar 25, 2014 1:35 pm

If you fly delta often, the delta card could help with free checked bags and priority boarding. However, I don't see why you should limit yourself to those two cards. Amex green, gold, PRG and the Everyday cards all earn MR, which you can transfer to Delta as well. Though there is a transfer fee, you could argue that you can accrue points faster, like with the everyday/PRG cards. Comes down to how you will use your card.



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