2013 Holland America credit card VS. general travel rewards?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Diplisi
 
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2013 Holland America credit card VS. general travel rewards?

Postby Diplisi » Wed Jul 17, 2013 12:38 am

My wife was about to signup for the Barclays Holland America Visa but I told her to hold off. My take is that what it gives you is actually worse off than a general travel rewards cards like Venture or Sapphire. Please reply to this post and share your insight. I will show this page to my wife tomorrow.

With Holland America Visa you get 1 point per dollar normally. 2 points on Holland America Line cruises. 5,000 points gets you a $50 onboard credit. Signup bonus is 5,000 points.

With Sapphire Preferred you are getting 1 point normally and 2 points on travel and dining. If travel includes cruises then right there you are beating the Holland America credit card hands down.

Only way I can see my wife's argument making a case is the HA card has no annual fee and some of the other travel cards do. If the credit score requirements are the same for all of the above I would prefer Sapphire, Venture etc any day of the week.


Diplisi
 
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Postby Diplisi » Wed Jul 17, 2013 7:58 pm

24 hours and not a single reply? Wow this forum sucks.

cashback
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Postby cashback » Wed Jul 17, 2013 8:01 pm

Diplisi wrote: Wow this forum sucks.


Yes it does...

CSP is without question a better card.

Pretty much any card is better than the HA card you described. Probably another reason no one answered.
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

FICOs
Exp 772 - TU 781 - Equ 781

takeshi
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Postby takeshi » Thu Jul 18, 2013 8:38 am

Diplisi wrote:24 hours and not a single reply? Wow this forum sucks.

You need to be patient with any discussion forum site. Replies are never guaranteed. If you need an immediate answer then a discussion forum is the wrong place to ask. Drop the entitled attitude. No forum site is any one peson's personal support or consulting service.

That said, you have all the info. You need to make the decision based on your needs/wants/preferences/priorities. No card is one-size-fits-all and it's up to each to determine what's best for the individual.

Sevenfeet
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Postby Sevenfeet » Thu Jul 18, 2013 8:59 am

There's been a fair amount of discussion on this topic from the main blog of the website. But the basic lesson that the Administrator says is that in most cases, general purpose travel cards are better than specific ones from a single travel company, like Holland America. HA's credit card is mainly directed to offers on their cruise line only, and maybe some of their partners. A general card like the Chase Sapphire Preferred or Amex products (Gold, Platinum) are designed to gain benefits over a wide variety of travel partners, be they cruise lines, airlines, hotels, rental cars, etc.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

MemberSince99
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Postby MemberSince99 » Thu Jul 18, 2013 10:46 am

Personally I didn't reply as I know nothing about the HA card.

But frankly, I get a bit irritated with people who have the numbers in front of them and want to be spoon fed an answer and a decision that they themselves ought to have the stones and the brains to make. I see nothing wrong with your analysis. You know your personal needs, desires and use cases for your cards better than we ever could, so only you can make the best decision about which one is best for you. I'd go with CSP (which I did) as you feel, but in the end it's really totally up to you.

randeman
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Postby randeman » Wed Jul 24, 2013 11:43 pm

Admittedly, I have much better reward cards than my HAL. However, I do a lot of cruises on HAL and the points come in handy. Definitely go with Sapphire or Venture.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

agp
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Postby agp » Thu Jul 25, 2013 7:00 pm

MemberSince99 wrote:But frankly, I get a bit irritated with people who have the numbers in front of them and want to be spoon fed an answer and a decision that they themselves ought to have the stones and the brains to make. I see nothing wrong with your analysis. You know your personal needs, desires and use cases for your cards better than we ever could, so only you can make the best decision about which one is best for you. I'd go with CSP (which I did) as you feel, but in the end it's really totally up to you.


+1

Diplisi wrote:24 hours and not a single reply? Wow this forum sucks.


That's a nice first impression, welcome to the forum. Try posting on Flyertalk with the same thread for a faster response. You will be ridiculed for even wanting to know anything about a cruise ship card.

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



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