Originally Posted by
deant
First question is how much you expect to spend? Second question, when you applied did you not consider the minimum spend and your ability to make it? By applying for cards where you will not make the minimum spend, you have caused a hard pull on your credit report and you have eliminated yourself from getting the spend bonus for a few years. For example with Chase, I don't think you are eligible to reapply for the "same" CC until approximately 2 years after cancellation. Horrible waste of a bonus!
Off my soapbox now.
If it were me, I would definitely go for the Chase points (assume they are UR). Much more flexibility than the Delta points......but only you can tell based on your current needs.
Deant, thanks for the soapbox... these are cards I have had for > 1 year (reserve) and I have hit the initial threshold for bonus. This is for subsequent bonuses that are just the icing on the top. I like the card because of the perks. The palladium is nice because of their concierge/great customer service/huge credit line. I didn't get it for the UR points but now that I am close, just wanted advice on how to proceed.
I agree with you.. will proceed with UR bonus. Thank you.