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I believe you need 700+ for chase sapphire, I don't think it would be good for a starter card.
I think that secured cards are best for first cards.
Yeah I don't even think he would qualify.
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I believe you need 700+ for chase sapphire, I don't think it would be good for a starter card.
I think that secured cards are best for first cards.
Wait both Sapphire cards are metal?
Has anyone opened up a card with marriott to take advantage of there bonus 80k points?
Chase Sapphire is a good choice. The card is metal, too.
My recommendation is to NOT get cash-back card. It's a waste of time. The best cards accrue miles/points that you can transfer to other frequent flyer programs and buy plane tickets. THE BEST VALUE of a credit card is to rack up miles and use them for international premium travel ONLY. So business/first class for essentially nothing (depending on fuel surcharges, etc.). I am not saying don't do cash-back (and by all means do it if that's your goal), but the BEST VALUE on your rewards is for ONLY international premium travel and Hotel Stays.
I have Chase Sapphire (40k sign up bonus; 2x on dining and travel) and Chase Ink (50k sign up bonus; 2x points on gas; 5x points on cable/satellite bill, internet, office supply stores [buy gift cards (Nike, Nordstrom, Whole Foods) from staples and office depot and rack up 5x the points instead of 1x]). Between those two cards I have amassed 160k points in under a year. So just by doing my normal shopping I have enough for 1 r/t ticket on Singapore Suites Class from LA to Tokyo (probably a $25k-$30k value) or 2 r/t business class seats to Europe ($6-10k value).
I also have the American Airlines Aviator Mastercard (50k sign up bonus) and the AMEX Gold Card (50k sign up bonus with 2x points on supermarkets, dining and gas).
Almost every dollar I spend I get 2 points for (I mainly spend money at supermarkets, gas and dining).
Thus, maximize the VALUE you can get from these cards. Not necessarily cash back and statement credits.
Lol you trying to get rid of that AMEX too @Dam itz Lou
?
Don't know why I signed up for it and really am trying to figure out which AMEX card would be beneficial for me.
Yeah I don't even think he would qualify.
What are you using for your non bonus purchases ? I have the Citi Prestige,CSP, and Amex SPG. I'm really considering replacing the Amex SPG with the Amex Everday preferred.
Chase Sapphire is a good choice. The card is metal, too.What's the best credit card to apply for, when first starting out? I don't want to get an inquiry and get denied... (I.e 650 score, never had a credit card)
My recommendation is to NOT get cash-back card. It's a waste of time. The best cards accrue miles/points that you can transfer to other frequent flyer programs and buy plane tickets. THE BEST VALUE of a credit card is to rack up miles and use them for international premium travel ONLY. So business/first class for essentially nothing (depending on fuel surcharges, etc.). I am not saying don't do cash-back (and by all means do it if that's your goal), but the BEST VALUE on your rewards is for ONLY international premium travel and Hotel Stays.
I have Chase Sapphire (40k sign up bonus; 2x on dining and travel) and Chase Ink (50k sign up bonus; 2x points on gas; 5x points on cable/satellite bill, internet, office supply stores [buy gift cards (Nike, Nordstrom, Whole Foods) from staples and office depot and rack up 5x the points instead of 1x]). Between those two cards I have amassed 160k points in under a year. So just by doing my normal shopping I have enough for 1 r/t ticket on Singapore Suites Class from LA to Tokyo (probably a $25k-$30k value) or 2 r/t business class seats to Europe ($6-10k value).
I also have the American Airlines Aviator Mastercard (50k sign up bonus) and the AMEX Gold Card (50k sign up bonus with 2x points on supermarkets, dining and gas).
Almost every dollar I spend I get 2 points for (I mainly spend money at supermarkets, gas and dining).
Thus, maximize the VALUE you can get from these cards. Not necessarily cash back and statement credits.
How is a plane ticket cost 25k?
How is a plane ticket cost 25k?
http://dereklow.co/what-its-like-to-fly-the-23000-singapore-airlines-suites-class/
Everyone's circumstances are different and that dictates what card they want or should get. For me, I'm a savvy shopper and like to buy off value (I find cheap airline tickets), so getting rewards points/miles and paying face value isn't worth it for me and I would rather get $. It works especially well if you know what you're doing and understand all the benefits with the cards you're interested in. For ex. my cousin has a BoA rewards card that gives 3% gas 2% groceries 1% everything else, but he also is preferred rewards client since he banks with BoA and meets the requirement and they give him 75% more cash back. His cash back jumps to 5.25% on gas, 3.5% groceries, and 1.75% which is pretty awesome.What's the best credit card to apply for, when first starting out? I don't want to get an inquiry and get denied... (I.e 650 score, never had a credit card)
Store cards don't help you get real cards, unless its a visa/mastercard.
Store cards don't help you get real cards, unless its a visa/mastercard.
That suite is insane. How long did it take him to rack up points like that? IMO the only way to really flourish off of those air miles is if you are constantly opening and closing cards or credit card churning. I am not interested in either of those practices. I prefer cash back it is just easier to manage. I have been thinking about getting the Southwest card, but I really don't think it is worth it.
@Dam itz Lou
oh I thought you had the Premier Gold Rewards card $95 is still a lot. I just paid that $175 annual fee and it made me realize how bad of a decision it was lol. Great perks but not worth that fee.
@jjoaquin
you are talking about credit churning you can google it and find out more info. Some people have entire spreadsheets to keep track of their churning :x
Whats the $100 airline credit ? They upgraded you to platinum with no annual fee for the first year? I will try that next July, but I will be cancelling after.I just upgraded to the Platinum because they offered me 50k. I'm definitely downgrading back to the PRG in Jan but I might just cancel altogether. Have you used the $100 airline credit ? I think if you were to cancel they would give you the fee back since it sounds like it was pretty recent. I tried cancelling two years ago and they credited the fee back to me after $3k spend.
Whats the $100 airline credit ? They upgraded you to platinum with no annual fee for the first year? I will try that next July, but I will be cancelling after.