Originally Posted by
Dr Jabadski
Considering the AF is ~$100 higher, the $50 credits may not make a difference. Some of the differences between the 2 cards which might be reason(s) to favor biz over personal: biz doesn’t count toward 5/24, larger SUB, different bonus categories, redeemed point rebate, different TQN credits which might favor the biz card after $50k annual spend. Personally, it’s all about the SUBs and I plan to churn the 2 as often as it’s safe to do so and hopefully paying just 1 annual fee per different card account, maybe 2 AFs for the personal as the FNA cert more than covers the AF.
I actually have both the personal and biz so was trying to determine if there was any benefit to using one over the other at Hyatt props. Right now we are on an all award trip at an HRC so won’t have any charges. Next stop, we will. Not much though. Just dining and bar. I think I will use the biz at one of the restaurants to make sure it posts for the $50 credit. And use it again at checkout for the second $50.
I’ve started pulling back from thinking I could churn with Chase. Got rejected on a few cards I actually wanted after canceling them, a few years before.