Hope this is an appropriate thread and I think I know the answer but wanted to see if I am missing anything.

I have 2 big purchases coming up - one around $4,000 not travel related and $7,000 for travel. I have the United Explorer credit card and Chase Sapphire.

The Points Guy values United points at 1.4 cents each and Chase points at 2.05 cents each. Transferring Chase to United seems like I will lose half a cent BUT if that's what I want to use it on, I guess it doesn't matter.

Both cards give me Travel "Protection" - Sapphire's is better.

I will earn 2 points per dollar spend on Sapphire making it the best one for the travel expense. I hardly ever use the United Explorer - but might use it for the non travel expense.

The only reason I keep the United Explorer card is because of the 'saver' award access as I rarely have any status.

Any reason to charge the non travel expense on Chase instead of United????? I mostly fly 2 international trips per year on United Business Class. I don't live near a hub and am open to other airlines. And don't use United for domestic flights, even for a positioning flight, due to the small planes they tend to fly out of BNA. Not a fan. I do enjoy the Polaris seat on the long haul travel and never eat on the flights so soft product doesn't matter.

Thanks!!