Originally Posted by
miadeals
So what card *is* good to MS with? Seems everything is getting shut down. Don't want to use Amex because FR. Don't want to use chase cause too valuable. Don't want to use barclays cause they're closin em now. Damn near every diners is gone too - keep mine under 5k a month and have skated by. So what is everybody's big spender? What is even left? I think that's everything I got! I'm afraid to do 10k/month on anything now...
Unless you're churning for cash (and even if you are, this may apply if you have several competing companies' offers/cards on the table with similar benefits) then the best advice I can think of is to distribute your activity across several cards. For example, if you're doing 10k/month and have four cards you can work with, do 2.5k/card each month. On the one hand you won't end up with a ticket to Fiji on any given airline each month; on the other hand, you'll still get there eventually and your rewards should be distributed enough to avoid a meltdown on one card causing across-the-board problems.
This was my attitude with the OM offer: I split my buys over three cards so as not to slam any one of them with an excessively unusual outpouring of activity. I still had to knock down fraud alerts on all three cards (since in all cases there were instances of 2-3 same-sized purchases), but I also wasn't twigging ten $58*.** purchases in a row on any card.