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Thread: Given all the devaluations happening, are there literally any sweet spots/value left?
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Old May 6, 2024 | 1:40 pm
  #94  
notquiteaff
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Originally Posted by uastarflyer
The old Select card is $95 and they give 5k miles a year. Worst case $45 but they also offer 1.5x on annual fee redemption….so just $20. I will never cancel it with that structure in place…
I reluctantly downgraded it to the Gateway card in 2020. I didn’t care about the EQM/PQP anymore and had other cards for better earnings for everyday spend (eg 3X CSR for dining, 3X TYP via Citi Premier or now 3-4X AA via Visa giftcards for groceries). So I was basically paying $95 for a sock drawer card. That fee was mostly compensated for by the 5000 RDM anniversary bonus, so it wasn’t an easy or straightforward decision. It is my oldest account, hence the preservation in the form of the Gateway card.
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