Which credit card?
#1
Original Poster
Join Date: May 2013
Posts: 1
Which credit card?
Hi all.
I currently travel quite a bit for my job. The catch - I don't get to choose which airline and you bet it's the cheapest they can find. Because I live in Atlanta, when I would travel home, I would fly Delta. I am only doing this job for another year and my next job will probably not have me traveling as much (although who knows...) Which credit card program should I look into? All but Delta miles have been earned since January.
Currently, I'm enrolled in 3 frequent flyer programs. Here are my totals as of today.
American Airlines
YTD Elite Qualifying Points 2,318
YTD Elite Qualifying Miles 3,302
YTD Elite Qualifying Segments 6
United Airlines
Current award miles balance 1,014
Premier qualifying miles 1,014
Premier qualifying segments 3.0
US Airways
2013 Preferred miles: 2,980
2013 Preferred segments: 5
Delta Airlines
TOTAL AVAILABLE MILES 18,068
Medallion Qualification Miles 3,625 (Jan to now)
Medallion Qualification Segments 6
MEDALLION QUALIFICATION SEGMENTS: 6
24 MQSs until SILVER
21,375 MQMs until SILVER
I currently travel quite a bit for my job. The catch - I don't get to choose which airline and you bet it's the cheapest they can find. Because I live in Atlanta, when I would travel home, I would fly Delta. I am only doing this job for another year and my next job will probably not have me traveling as much (although who knows...) Which credit card program should I look into? All but Delta miles have been earned since January.
Currently, I'm enrolled in 3 frequent flyer programs. Here are my totals as of today.
American Airlines
YTD Elite Qualifying Points 2,318
YTD Elite Qualifying Miles 3,302
YTD Elite Qualifying Segments 6
United Airlines
Current award miles balance 1,014
Premier qualifying miles 1,014
Premier qualifying segments 3.0
US Airways
2013 Preferred miles: 2,980
2013 Preferred segments: 5
Delta Airlines
TOTAL AVAILABLE MILES 18,068
Medallion Qualification Miles 3,625 (Jan to now)
Medallion Qualification Segments 6
MEDALLION QUALIFICATION SEGMENTS: 6
24 MQSs until SILVER
21,375 MQMs until SILVER
#2




Join Date: May 2008
Location: Las Vegas since 11/2023
Programs: No status anywhere anymore, it was fun while it lasted
Posts: 4,648
I don't mean to be discouraging, but based on the information you provided, your opportunites on your current plan are very limited.
Making elite on any airline will take 30 segments or 25,000 miles in a calendar year. You seem to travel enough to make elite, but the company forces you to spread your travel around. Perhaps you can steer it toward a particular carrier if the fares are close. Also, you could credit your United flights to USAirways and get closer to elite on USAir. However, getting elite for the 2014 year will be a hollow achievement if you don't actually fly in 2014 to use it.
Likewise, an award ticket takes at least 25,000 miles and often more. You gave no indication of your expected annual CC spending.
Let's say that you fly 25,000 miles a year and spend $25,000. That's 50,000 points, some of which will necessarily be spread around. Given a choice, I would probably get a CC for United or American, as they have much better award availability.
But...
Many (most?) people on this board aggressively go after credit card signup bonuses. They are a bit less lucrative now than in the recent past, but you can still get 30-40K miles for signing up for many credit cards and meeting a modest spending requirement (usually around $3,000 in the first 3 months). Many people get 5-10 (or even more) cards in a year, keep them for the fee-free first year, then cancel them. If you have a good credit score, this means you could get hundreds of thousands of points, compared to the 50K or so you would get without them.
When you hear about people flying to Asia in first class for free - they are doing it on signup bonuses. You don't have to take it to that level, you can just get your one credit card and one signup bonus and spend on it and that's fine. It's a question of your appetite.
There are kind of two different avenues. The Elite Qualifying path is for those who fly a lot on the same airline, and there are very few workarounds. (Crediting one airline's miles to another, in the partner combinations where that's allowed, is the only significant one, another is getting the right credit card and spending at least $25,000 a year on it to get some extra elite qualifying miles.) The Award Ticket path is open to anyone willing to go for the signup bonuses.
If you are mostly interested in domestic flights, one of the better deals right now is the Airtran and Southwest credit cards. They each require $2,000 spending in 3 months, and have larger-than-usual signup bonuses at the moment.
Making elite on any airline will take 30 segments or 25,000 miles in a calendar year. You seem to travel enough to make elite, but the company forces you to spread your travel around. Perhaps you can steer it toward a particular carrier if the fares are close. Also, you could credit your United flights to USAirways and get closer to elite on USAir. However, getting elite for the 2014 year will be a hollow achievement if you don't actually fly in 2014 to use it.
Likewise, an award ticket takes at least 25,000 miles and often more. You gave no indication of your expected annual CC spending.
Let's say that you fly 25,000 miles a year and spend $25,000. That's 50,000 points, some of which will necessarily be spread around. Given a choice, I would probably get a CC for United or American, as they have much better award availability.
But...
Many (most?) people on this board aggressively go after credit card signup bonuses. They are a bit less lucrative now than in the recent past, but you can still get 30-40K miles for signing up for many credit cards and meeting a modest spending requirement (usually around $3,000 in the first 3 months). Many people get 5-10 (or even more) cards in a year, keep them for the fee-free first year, then cancel them. If you have a good credit score, this means you could get hundreds of thousands of points, compared to the 50K or so you would get without them.
When you hear about people flying to Asia in first class for free - they are doing it on signup bonuses. You don't have to take it to that level, you can just get your one credit card and one signup bonus and spend on it and that's fine. It's a question of your appetite.
There are kind of two different avenues. The Elite Qualifying path is for those who fly a lot on the same airline, and there are very few workarounds. (Crediting one airline's miles to another, in the partner combinations where that's allowed, is the only significant one, another is getting the right credit card and spending at least $25,000 a year on it to get some extra elite qualifying miles.) The Award Ticket path is open to anyone willing to go for the signup bonuses.
If you are mostly interested in domestic flights, one of the better deals right now is the Airtran and Southwest credit cards. They each require $2,000 spending in 3 months, and have larger-than-usual signup bonuses at the moment.
#3




Join Date: Apr 2004
Posts: 1,614
My recommendation would be to look into the DL Amex Platinum. The standard offer is 10,000 MQM's after meeting a modest spend requirement, but there have been offers that will give you 15,000 MQM's after the same spend. If you can get the 15,000, you should be on track for FO status based on your YTD mileage accrual. I believe this would cover you through February 2015.
One word of caution however; the annual fee is $150.00.
One word of caution however; the annual fee is $150.00.
#5
Join Date: Aug 2006
Location: CLT
Posts: 7,249
Does it need to be an airline card? For me, my company pays the airfare but I pay for hotels. The way I figure it I spend more points per vacation on hotels than airfare (unless you are booking tickets for multiple people). Hotel points are also nice for weekend driving trips.
If you aren't buying tickets on the card you will not earn points at the highest rate.
A hotel branded card and Chase Sapphire Preferred has been my suggestion to my new hires.
Chase Sapphire preferred can be transferred to United and a couple other carriers and Marriott and priority Club are the big hotels. It can also be used to directly book travel that counts as a revenue ticket so you can use your points to fly Delta and earn Delta miles.
Look at your spending categories and get a card with good earnings in those categories.
If you aren't buying tickets on the card you will not earn points at the highest rate.
A hotel branded card and Chase Sapphire Preferred has been my suggestion to my new hires.
Chase Sapphire preferred can be transferred to United and a couple other carriers and Marriott and priority Club are the big hotels. It can also be used to directly book travel that counts as a revenue ticket so you can use your points to fly Delta and earn Delta miles.
Look at your spending categories and get a card with good earnings in those categories.
#6
Join Date: Aug 2006
Location: Roswell, GA
Posts: 646
Does it need to be an airline card? For me, my company pays the airfare but I pay for hotels. The way I figure it I spend more points per vacation on hotels than airfare (unless you are booking tickets for multiple people). Hotel points are also nice for weekend driving trips.
If you aren't buying tickets on the card you will not earn points at the highest rate.
A hotel branded card and Chase Sapphire Preferred has been my suggestion to my new hires.
Chase Sapphire preferred can be transferred to United and a couple other carriers and Marriott and priority Club are the big hotels. It can also be used to directly book travel that counts as a revenue ticket so you can use your points to fly Delta and earn Delta miles.
Look at your spending categories and get a card with good earnings in those categories.
If you aren't buying tickets on the card you will not earn points at the highest rate.
A hotel branded card and Chase Sapphire Preferred has been my suggestion to my new hires.
Chase Sapphire preferred can be transferred to United and a couple other carriers and Marriott and priority Club are the big hotels. It can also be used to directly book travel that counts as a revenue ticket so you can use your points to fly Delta and earn Delta miles.
Look at your spending categories and get a card with good earnings in those categories.

