Originally Posted by
krazieman
I would get 2 cards:
1. AMEX Platinum - get work to pay for that. Use it for Admiral's club, $200 of AA gift cards. Don't actually ever use the card to pay for anything.
2. Citi AA Visa - $85 a year - pay for it yourself. Use it to earn AA miles and get redemption discounts.
A few pieces if info needed. Will the employer paid card be used for travel reimbursement? Must you use the same card? What is you annual spend? Do you need the EQMs foe elite status that the Citi Exec provides?
If you don't need the status, you have flexibility on where to put you spend, then I would add the SPG card to the above and put my spend there vs the Citi except for AA tickets. You get the 25% transfer bonus, so better than just the 1/$1 on Citi. But, since you have the Citi still get the 10% mileage discount.
And I wouldn't discount business spend on the Plat. They have had regular bonuses transfers to BA, which are quite valuable for short haul AA redemptions. Diversification.