Originally Posted by
sppunk
Since 2003, I have had a Blue Cash card. Apparently - unknown to me as I failed to ever check - I've been hitting a spending limit on the card and it reverts from 5 percent cash back to 1 percent. I can understand that, although I can no where online find that limit (rant for a different forum, ha).
Anyway, I am seeking any guidance as card points / cashback options always through me for a loop. We spend usually $35-$40,000 annually on a card - it should also be stated we never carry a balance, as we pay in full each month.
We usually spend about 35 percent of the total annual charges on merchants (ie grocery store, gas, drugstore, online) but about 25-28 percent on travel (airfare, cruises, rental cars, hotels, etc).
Since I'm hitting a cap on my card, I'm looking for something that can better utilize the travel spending. My kicker is we have no loyalty to a specific airline so an airline-specific (SkyMile for instance) card doesn't help us much.
Any input from you genius' in AmEx land if we should - given the spending - switch out of Blue Cash to another product? Annual fees aren't an issue for us, although we aren't currently paying one.
Thanks in advance and apologies for the fairly newbie question.
If you dont carry over a balance over, I would recommend the Gold Charge Card since there is no spending limit and currently has no annual fee for the first year (after it would be $175). Currently they offering 3x on MR point on travel.
Current bonus is 25,000 MR after spending $2,000 on the first three months and an extra 15,000 MR after you spend $30,000 in a calendar year. The great thing about the MR is the fact that it will give you flexibility in terms of using your points for travel since you can transfer it to Delta, BA and SQ for your air travel and Hilton and SPG for your hotel.
If you check the above referral I'm pretty sure someone in the US can provide you a referral for extra MR bonus. I love my Gold Card and I find the flexibility and the no spending limit the best feature since I travel tons for work.