Originally Posted by
michael1023
I think i might have posted this before, but would applying to this card be worth it? Already owning AMEX platinum.
Also, would a credit collection of Apple Card, Chase Sapphire Preferred, Amex platinum and Capital One venture X be an odd collection of cards? Or do they kinda co-mingle?
A lot of this is going to depend on how you personally will get value out of these programs. All of these credit card points programs share a fair number of common transfer partners, so if you're looking to transfer to a program like FlyingBlue then 1 UR = 1 MR = 1 CapOne Mile because they all transfer 1:1 to that program. The hardest lesson of the points game is to not assume that because others are getting value (either quietly, or writing about it on blogs) that
you will see that same value. You have your own travel goals, and you need your own redemption strategy which will dictate which cards are "worth it" or not.
That disclaimer out of the way, when I look at that lineup my first thought is Venture X would largely replace your need of both the Apple card and CSP. Why worry about getting 2% only when you pay with Apple pay, or 2x with only travel purchases, when you can get 2x on
everything regardless of category or mobile / card payment method?
Originally Posted by
michael1023
Also, i get this feeling within a year or two, the annual fee on this card will go up and/or some benefits will go away.
Everything changes for every card. Sometimes it can be good like the 3x categories added to your CSP, and sometimes not so great like your Platinum card annual fee going from $550 to $695.
It's sort of pointless to worry about the future. If you can get benefit from the card now, get it. This isn't a lifetime commitment, you can always liquidate your points and close the card if the situation changes in the future and the card no longer makes sense.