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- Posts: 82
- Joined: Tue Jan 28, 2014 5:29 am
- Location: United States
Maybe "a ton" was a little bit of an overstatement. But let's look at spending to justify it.
If you get great value out of UR points, say 2 cents, then travel is essentially a 4% category for you, or 2% over the next best no-fee card -- so you're netting an extra 2%. To justify a $95 annual fee from 2% back, you'd need to spend $5000 on travel beyond what you're paying for with points; if you only get a value of 1.5, it would be $10000.
And remember, this is travel beyond what you pay for with points. If you get good value out of UR points and spend close to $5000 on travel a year, that's at least $400 worth of award travel. (And all this assumes that you're not getting other award travel with other cards).
I'd consider $5500-11000 in travel each year a lot. And if you spend that much, PRG is a better option if you can get similar value out of MR (3x points vs 2x points justifies the fee difference).
But yes, if you travel a lot, don't pay for a lot of your travel with points, get good value out of UR and can't get good value out of MR, then yes, it makes a lot of sense for you.
Personally I'm leaning towards eventually getting an Ink card.
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