- Centurion Member
- Posts: 1157
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
I only posted them directly because I have no experience with Plum (or any business card).
It does certainly matter how you redeem, but how valuable is it to you to be able to control how you use your rewards? With MR you can bank them and use towards a specific thing. The Plum rewards are automatic. The rewards are very real but you might not "feel" them. I personally like the psychological feeling of banking rewards even if it is ultimately a wash, but that is a personal preference.
Also, I think the Plum is a good card, but it is meant for a specific thing. Do you need it for it's intended purpose? If you don't NEED the 60 day flexibility, you may have better options. Have you looked at the SimplyCash? It's rewards are also automatically applied (similar to Plum's simplicity), but you have category choice and no AF, so you may earn more that route?
EX - 809 (11/16) | TU - 803 (11/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now