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Oct 1, 2017, 10:48 am

#4

knit-in

Join Date: Sep 2000

Location: New York, New York

Programs: AA Gold, Alaska MVP; Free Agent Super Duper Diamond Treasure Chest ;)

Posts: 4,682

Quote:

Originally Posted by abhilife2001

Giving my circumstances and priorities and need some advise here..
Recently moved to US, credit around 705, have the chase IHG cc (taken within last 3 months)

Looking to get some miles / reward points accumulated for a planned trip next summer to Europe.. Want to avoid paying AF wherever possible..

CSP - This seems to be a top recommendation among many forums with the nice bonus post $4k spends and 1st year AF fee waived. Thing is my spending pattern's are not such that would justify paying the AF as even with some MS, I can use this not more than $2k a month.

CF / CFU - These seem to be good value cards with no AF and apparently these + CSP make the most bang for the buck. As no AF, can possibly keep these for longer..

Looking at my needs, any other Chase card which is worth looking at ?

Thoughts and recos appreciated..

Thanks, A

You could get a Chase Sapphire Preferred, use it for a year, and when the fee kicks in next year downgrade to a Chase Freedom Unlimited. You will get to keep your UR points from the CSP and earn 1.5x on all purchases going forward.

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