Jan 2, 2017, 9:16 am
Last edit by: yugi
Ways to get high rewards or bonus on credit card spending:
1. sign-on bonus, miles, UR or MR points, free nights and cash rewards
2. on-going rewards, points or cashback
3. spending bonus for extra points/$ or status, like spending $10,000 to get extra 20k points etc.
Cards with large spending bonus: (alphabetical)
AmEx Delta Skymiles Gold: $25,000 MQD waived for elite status
AmEx HH Ascend: $40,000 to Diamond
Barclay Aviator Red: $25,000 for $3,000 EQD
BofA Merrill +: $50,000 for additional $200 travel credit
Chase Ritz Carlton: $10,000 to renew Gold status. Subject to change from 8/1/2018
Chase United MileagePlus Explorer: $25,000 for 10,000 United miles
A lot more to list...
Cards that earn better than 1 airline mile (or points convertible 1:1 to airline miles) per dollar: (alphabetical)
Amex Blue Business Plus - 2x MRs on up to $50k per year. No AF, FTF.
Amex Blue for Business - 1.3x MRs (Another card needed in order to transfer, such as Amex ED/EDP/PRG/BGR/Plat etc). No AF, FTF. Discontinued, replaced by BBP.
Amex Business Platinum - 1.5x for charges over $5,000 up to 1M extra points ($2M spend) AF $450, no FTF. Many other perks.
Amex EveryDay - 1.2x if you make 20+ charges per cycle. No AF, FTF.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95, FTF.
Bank of America Virgin Atlantic MasterCard - 1.5x VS miles, 2x if you spend $15k per year, 2.1x if you spend $25k per year. AF $90, no FTF.
Bank of America Air France KLM Mastercard - 1.5x AF miles. AF $89, no FTF.
Barclaycard Arrival Premier - 1.43x for all partners except JAL, AC (1.18x). You will get 2.14x on all partners except JAL, AC (1.76x), if you spend $15k or $25k per year. AF $150, FYF, no FTF. Discontinued.
Capital One Venture X Visa - 2x on all partners, except Accor and EVA. AF $395, no FTF, many other perks.
Capital One Spark Miles Business Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture One Visa - 1.25x on all partners, except Accor and EVA. no AF, no FTF.
Capital One Spark Miles Select Business Visa - 1.5x on all partners, except Accor and EVA. No AF, no FTF.
Chase Freedom Unlimited Visa - 1.5x URs (Another card needed in order to transfer, such as CSR/CSP/Ink Plus/Ink Bold/Ink Preferred). No AF, FTF.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Citi Double Cash MC - 2x TYP. You need a premium Citi card, (Premier, Prestige or Chairman) to transfer to partners other than JetBlue at 1:1 ratio. No AF, FTF.
Cards that earn hotel points
Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Surpass - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Business - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Aspire - 3x HH points, AF $450, no FTF, lots of perks.
Amex Bonvoy - 2x Marriott points. AF $95, FYF, no FTF. Discontinued.
Amex Bonvoy Business - same as Amex Bonvoy. AF $125, no FTF.
Amex Bonvoy Brilliant - same as Amex Bonvoy. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything). AF $69/$0, FTF.
Chase Bonvoy Boundless Visa - same as Amex Bonvoy.
Chase IHG Traveler MC - 2x on everything. No AF, no FTF.
Chase IHG Premier/Premier Business MC - 3x on everything. AF $99, no FTF.
Chase Ritz-Carlton Visa Infinite - same as Amex Bonvoy. AF $450, no FTF. Discontinued, but can be obtained via PC from another Chase Bonvoy card.
FNBO Best Western Rewards Premium MC - 2x BW points. AF $59, no FTF
FNBO Best Western Rewards MC - 2x BW points. No AF, no FTF
2%+ Cashback Cards: (by % amount)
US Bank Altitude Reserve Visa - 4.5% towards travel (cashout possible), if you use Android Pay, Samsung Pay, Apple Pay or LG Pay for in-person, in-app or online purchases. AF $400, no FTF, many other perks.
Barclaycard Priceline Rewards Visa (grandfathered 2x/5x version) - 3.33% if redeemed against Priceline or travel purchases, 2% if redeemed for everything else. No AF, no FTF.
AOD CU Visa Signature - 3% on everything. No AF, no FTF. Discontinued.
Synchrony Paypal Cashback Mastercard - 3% if paid with Paypal, 2% everywhere else, no AF, FTF.
Barclaycard Arrival Premier MC - 3% if you spend exactly $15k or $25k, 2%, if you spend less than $15k. AF $150, FYF, no FTF, some perks. Discontinued.
Bank of America Travel Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. No AF, no FTF.
Bank of America Premium Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $95, no FTF, some perks.
Bank of America Premium Rewards Elite Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $550, no FTF, many other perks.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 2.5% up to $10k per cycle, if you have $1k on your checking account. No AF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF. Discontinued.
Discover it Miles - 3% (first year only, 1.5% after that). No AF, no FTF.
Exactly 2% Cashback Cards: (alphabetical)
Amex Blue Business Cash - 2% on up to $50k per year. No AF, FTF.
BBVA Compass Rewards Visa - 2%, if you receive $1000 in direct deposits per month to checking account. No AF.
Blispay Visa - 2%. No AF.
Citi Double Cash MasterCard - 2%. No AF, FTF.
Capital One Spark Cash Business Visa - 2%. AF $95, FYF, no FTF.
Capital One Spark Miles Business Visa - 2% if redeemed for travel. AF $95, FYF, no FTF.
Capital One Venture Visa - 2% if you redeem for travel purchases. AF $95, FYF, no FTF.
Capital One Venture X Visa - 2% if you redeem for travel purchases. AF $395, no FTF, many other perks.
Fidelity Rewards Visa - 2%. No AF.
PenFed Power Cash Rewards Visa (with Honors Advantage) - 2%. No AF, no FTF.
PNC Premier Traveler Visa - 2% if you redeem for travel purchases. AF $85, FYF, no FTF.
State Department Federal CU Premium Cashback+ Visa - 2%, no AF, no FTF.
Synchrony Paypal Cashback MC - 2% for non-PayPal purchases, no AF, FTF.
Too many to list.
1. sign-on bonus, miles, UR or MR points, free nights and cash rewards
2. on-going rewards, points or cashback
3. spending bonus for extra points/$ or status, like spending $10,000 to get extra 20k points etc.
Cards with large spending bonus: (alphabetical)
AmEx Delta Skymiles Gold: $25,000 MQD waived for elite status
AmEx HH Ascend: $40,000 to Diamond
Barclay Aviator Red: $25,000 for $3,000 EQD
BofA Merrill +: $50,000 for additional $200 travel credit
Chase Ritz Carlton: $10,000 to renew Gold status. Subject to change from 8/1/2018
Chase United MileagePlus Explorer: $25,000 for 10,000 United miles
A lot more to list...
Cards that earn better than 1 airline mile (or points convertible 1:1 to airline miles) per dollar: (alphabetical)
Amex Blue Business Plus - 2x MRs on up to $50k per year. No AF, FTF.
Amex Blue for Business - 1.3x MRs (Another card needed in order to transfer, such as Amex ED/EDP/PRG/BGR/Plat etc). No AF, FTF. Discontinued, replaced by BBP.
Amex Business Platinum - 1.5x for charges over $5,000 up to 1M extra points ($2M spend) AF $450, no FTF. Many other perks.
Amex EveryDay - 1.2x if you make 20+ charges per cycle. No AF, FTF.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95, FTF.
Bank of America Virgin Atlantic MasterCard - 1.5x VS miles, 2x if you spend $15k per year, 2.1x if you spend $25k per year. AF $90, no FTF.
Bank of America Air France KLM Mastercard - 1.5x AF miles. AF $89, no FTF.
Barclaycard Arrival Premier - 1.43x for all partners except JAL, AC (1.18x). You will get 2.14x on all partners except JAL, AC (1.76x), if you spend $15k or $25k per year. AF $150, FYF, no FTF. Discontinued.
Capital One Venture X Visa - 2x on all partners, except Accor and EVA. AF $395, no FTF, many other perks.
Capital One Spark Miles Business Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture One Visa - 1.25x on all partners, except Accor and EVA. no AF, no FTF.
Capital One Spark Miles Select Business Visa - 1.5x on all partners, except Accor and EVA. No AF, no FTF.
Chase Freedom Unlimited Visa - 1.5x URs (Another card needed in order to transfer, such as CSR/CSP/Ink Plus/Ink Bold/Ink Preferred). No AF, FTF.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Citi Double Cash MC - 2x TYP. You need a premium Citi card, (Premier, Prestige or Chairman) to transfer to partners other than JetBlue at 1:1 ratio. No AF, FTF.
Cards that earn hotel points
Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Surpass - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Business - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Aspire - 3x HH points, AF $450, no FTF, lots of perks.
Amex Bonvoy - 2x Marriott points. AF $95, FYF, no FTF. Discontinued.
Amex Bonvoy Business - same as Amex Bonvoy. AF $125, no FTF.
Amex Bonvoy Brilliant - same as Amex Bonvoy. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything). AF $69/$0, FTF.
Chase Bonvoy Boundless Visa - same as Amex Bonvoy.
Chase IHG Traveler MC - 2x on everything. No AF, no FTF.
Chase IHG Premier/Premier Business MC - 3x on everything. AF $99, no FTF.
Chase Ritz-Carlton Visa Infinite - same as Amex Bonvoy. AF $450, no FTF. Discontinued, but can be obtained via PC from another Chase Bonvoy card.
FNBO Best Western Rewards Premium MC - 2x BW points. AF $59, no FTF
FNBO Best Western Rewards MC - 2x BW points. No AF, no FTF
2%+ Cashback Cards: (by % amount)
US Bank Altitude Reserve Visa - 4.5% towards travel (cashout possible), if you use Android Pay, Samsung Pay, Apple Pay or LG Pay for in-person, in-app or online purchases. AF $400, no FTF, many other perks.
Barclaycard Priceline Rewards Visa (grandfathered 2x/5x version) - 3.33% if redeemed against Priceline or travel purchases, 2% if redeemed for everything else. No AF, no FTF.
AOD CU Visa Signature - 3% on everything. No AF, no FTF. Discontinued.
Synchrony Paypal Cashback Mastercard - 3% if paid with Paypal, 2% everywhere else, no AF, FTF.
Barclaycard Arrival Premier MC - 3% if you spend exactly $15k or $25k, 2%, if you spend less than $15k. AF $150, FYF, no FTF, some perks. Discontinued.
Bank of America Travel Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. No AF, no FTF.
Bank of America Premium Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $95, no FTF, some perks.
Bank of America Premium Rewards Elite Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $550, no FTF, many other perks.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 2.5% up to $10k per cycle, if you have $1k on your checking account. No AF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF. Discontinued.
Discover it Miles - 3% (first year only, 1.5% after that). No AF, no FTF.
Exactly 2% Cashback Cards: (alphabetical)
Amex Blue Business Cash - 2% on up to $50k per year. No AF, FTF.
BBVA Compass Rewards Visa - 2%, if you receive $1000 in direct deposits per month to checking account. No AF.
Blispay Visa - 2%. No AF.
Citi Double Cash MasterCard - 2%. No AF, FTF.
Capital One Spark Cash Business Visa - 2%. AF $95, FYF, no FTF.
Capital One Spark Miles Business Visa - 2% if redeemed for travel. AF $95, FYF, no FTF.
Capital One Venture Visa - 2% if you redeem for travel purchases. AF $95, FYF, no FTF.
Capital One Venture X Visa - 2% if you redeem for travel purchases. AF $395, no FTF, many other perks.
Fidelity Rewards Visa - 2%. No AF.
PenFed Power Cash Rewards Visa (with Honors Advantage) - 2%. No AF, no FTF.
PNC Premier Traveler Visa - 2% if you redeem for travel purchases. AF $85, FYF, no FTF.
State Department Federal CU Premium Cashback+ Visa - 2%, no AF, no FTF.
Synchrony Paypal Cashback MC - 2% for non-PayPal purchases, no AF, FTF.
Too many to list.
Which card(s) to use for high spend or large purchases? [Consolidated]
Apr 11, 2018, 6:43 am
#346
Join Date: Mar 2017
Location: Boston MA
Programs: AA EXP
Posts: 24
I have a similar question; I own a business and I spend around $1m per year- mostly on United Mileage Plus and some on Amex Platinum. The vast majority is spend on business related stock- metal, electronics, etc. This means that I get around 1.5 million miles a year. I mainly use the miles for an annual trip to South Africa, and another to the Caribbean both with my family. I go First or Business, and I don't feel that spending miles on economy tickets is worth it. I like the MP card for the 1.5 miles per $, but I feel that availability on airlines other than Egyptair and Ethiopian seems to be getting scarcer, and I find myself getting more frustrated with United. Am I missing out on opportunities? Should I be diversifying, and if so, where?
Apr 11, 2018, 9:16 am
#347
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Hi everybody! Longtime lurker here for personal cards/programs/etc, but I've been interested in accessing rewards through my business spending lately. I spend over 1,000,000 per year on the company debit card, and this number will be well over 2,000,000 this year. I currently get no rewards whatsoever through my current debit card, so I'm wondering what options there are for someone in my spending range.
Unfortunately nearly all discussion about which credit/charge card is best relates to people to spend 2-5% of what I do per year on the card, (primarily from shipping companies) so I've been able to find very little info. I'm looking for a card/program that has no spending cap above all else, since most seem to cap at 5-10% of what I spend in a year. I don't have much time to get really technical and strategic about how I redeem my miles/points, and all I really want is something that generates points/miles that I can transfer to various airlines and use to book hotels. I realize I could get cash back with some cards instead, but I'd like to use this as the family travel fund so we have an incentive to do more traveling.
Can anyone offer any advice as to what a good credit/charge card would be for someone in my situation? If I end up going with a recommendation made here I'll gladly donate $100 to the forum!
Unfortunately nearly all discussion about which credit/charge card is best relates to people to spend 2-5% of what I do per year on the card, (primarily from shipping companies) so I've been able to find very little info. I'm looking for a card/program that has no spending cap above all else, since most seem to cap at 5-10% of what I spend in a year. I don't have much time to get really technical and strategic about how I redeem my miles/points, and all I really want is something that generates points/miles that I can transfer to various airlines and use to book hotels. I realize I could get cash back with some cards instead, but I'd like to use this as the family travel fund so we have an incentive to do more traveling.
Can anyone offer any advice as to what a good credit/charge card would be for someone in my situation? If I end up going with a recommendation made here I'll gladly donate $100 to the forum!
Apr 11, 2018, 9:35 am
#348
Moderator: Budget Travel forum & Credit Card Programs, FlyerTalk Evangelist
Join Date: Aug 2002
Location: YYJ/YVR and back on Van Isle ....... for now
Programs: UA lifetime MM / *A Gold
Posts: 14,429
I have a similar question; I own a business and I spend around $1m per year- mostly on United Mileage Plus and some on Amex Platinum. The vast majority is spend on business related stock- metal, electronics, etc. This means that I get around 1.5 million miles a year. I mainly use the miles for an annual trip to South Africa, and another to the Caribbean both with my family. I go First or Business, and I don't feel that spending miles on economy tickets is worth it. I like the MP card for the 1.5 miles per $, but I feel that availability on airlines other than Egyptair and Ethiopian seems to be getting scarcer, and I find myself getting more frustrated with United. Am I missing out on opportunities? Should I be diversifying, and if so, where?
And do agree with you that given the amount of miles you generate traveling in coach is poor use of miles.
Apr 11, 2018, 11:34 pm
#349
Join Date: Dec 2009
Location: New York, NY
Programs: AA Gold. UA Silver, Marriott Gold, Hilton Diamond, Hyatt (Lifetime Diamond downgraded to Explorist)
Posts: 6,776
Chase Ink Business for $95 annual fee (not waived) with 80k UR signup bonus for $5000 in spending.
Be sure to verify they do accept for large payments. Some will accept credit cards for routine treatments but for large purchases they prefer checks.
Be sure to verify they do accept for large payments. Some will accept credit cards for routine treatments but for large purchases they prefer checks.
Apr 12, 2018, 10:28 am
#350
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I had a doctor (until he dropped out of my insurance program at the end of 2017) who wouldn't accept credit cards. And, if you knew logic, you'd know that it only takes one exception to disprove a rule as being universal. (But in any case, I only know my own doctor's policies, not the one next door who's not in my insurance program, so undoubtedly mine isn't the only in the country who doesn't accept credit cards.)
And then, in general, there's tons of people posting in the Plastiq thread that they use Plastiq for this that and the other because this that and the other don't accept credit cards at all (or else charge a 5% fee, instead of the Plastic 2.5% fee, for taking a credit card directly). And many of these are for large purchases (it's usually not the bother of Plastiq for small purchases).
Last edited by philemer; Apr 12, 2018 at 2:17 pm Reason: snark removed
Apr 12, 2018, 8:33 pm
#351
Join Date: Jul 2002
Posts: 3,642
Sounds like this is an opportunity that OP has that may be unusual, meaning perhaps normal CC spend is not this high. OP did not give an indication of what type of points were of interest, but assuming no credit problems a quick look would say:
- Marriott Premier Card: 75K points for $3k spend
- SPG Amex: 25K SPG points/75K Marriott points for $3K spend
- Citi AAdvantage Plat MC: 50K AA points for $2500 spend
Gives you a nice vacation for your $8000 dental expense.
- Marriott Premier Card: 75K points for $3k spend
- SPG Amex: 25K SPG points/75K Marriott points for $3K spend
- Citi AAdvantage Plat MC: 50K AA points for $2500 spend
Gives you a nice vacation for your $8000 dental expense.
Apr 30, 2018, 7:02 pm
#352
Join Date: Apr 2018
Programs: Marriott Ambassador/United 1K
Posts: 68
Best Card for High Spenders
Hey All,
I've been using the SPG Amex for about 3 years, and have about 11M miles in the bank right now. I spend about $2M a month across an SPG Amex ($1.7M) and Capital One Spark ($300k), but as the SPG Amex is about to decrease in value by 33%, I'm looking for a new card. Spend is generally on business related online marketing and shipping.
Anyone in a similar boat looking for a new card? What do you recommend for high spenders? I suppose my desire is free first class travel, but would generally like status as well (hence SPG, where you can get Platinum using only free nights).
Thanks!
I've been using the SPG Amex for about 3 years, and have about 11M miles in the bank right now. I spend about $2M a month across an SPG Amex ($1.7M) and Capital One Spark ($300k), but as the SPG Amex is about to decrease in value by 33%, I'm looking for a new card. Spend is generally on business related online marketing and shipping.
Anyone in a similar boat looking for a new card? What do you recommend for high spenders? I suppose my desire is free first class travel, but would generally like status as well (hence SPG, where you can get Platinum using only free nights).
Thanks!
Apr 30, 2018, 8:13 pm
#353
FlyerTalk Evangelist
Join Date: May 2002
Location: Pittsburgh
Programs: MR/SPG LT Titanium, AA LT PLT, UA SLV, Avis PreferredPlus
Posts: 31,008
$240K/yr on a 2% cashback card can buy quite a few first class flights. With the option to do a lot of other things with it.
May 1, 2018, 12:08 am
#354
Join Date: Dec 2009
Location: New York, NY
Programs: AA Gold. UA Silver, Marriott Gold, Hilton Diamond, Hyatt (Lifetime Diamond downgraded to Explorist)
Posts: 6,776
With your spending category it would seem the Chase Business Ink Preferred would be up your alley:
Travel
Shipping purchases
Internet, cable and phone services
Advertising purchases with social media sites and search engines
Pair this with an annual free fee Chase Freedom or Freedom Unlimited and you can continue to build large bonuses for yourself. You will have to build your relationship with Chaser a bit at first for that level of spending though it should be a short adjustment period for your level of spending. Addiitomnally a CSP or CSR can now or in the future benefit your position & point count along the way.
3X POINTS
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:*Travel
Shipping purchases
Internet, cable and phone services
Advertising purchases with social media sites and search engines
1X POINTS
Earn 1 point per $1 on all other purchase — with no limits to the amount you can earn.*Pair this with an annual free fee Chase Freedom or Freedom Unlimited and you can continue to build large bonuses for yourself. You will have to build your relationship with Chaser a bit at first for that level of spending though it should be a short adjustment period for your level of spending. Addiitomnally a CSP or CSR can now or in the future benefit your position & point count along the way.
May 1, 2018, 11:22 am
#355
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
The status equivalent to SPG Platinum50 (which is currently called Marriott Gold but will be renamed Platinum in the new merged program) is still going to be available going forward using only free nights (since it's been available using only free nights at Marriott as well as SPG up to now). In 2019, any one of several cards in the new merged program will give you 15 nights towards that (max 15 nights no matter how many different cards you have), so you'd only need 35 actual stay nights (paid or free) if you had one of those cards.
You have to understand that the SPG card + program was very unusual in giving you both hotel benefits and airline miles (at the earn rate of airline cards). No other hotel program did that, and so now there will be no hotel program that does that.
You can get Hilton Gold or Diamond status from just holding (not even using) the right Amex credit card (Amex Hilton Ascend card for "instant" HH Gold, Amex Hilton Aspire card for "instant" HH Diamond). But you won't get airline miles at a good rate from that, so get that card only for the hotel status and not for the airline miles.
Then you'll need a separate card to earn airline miles at a somewhat comparable rate to SPG Amex (but with a much smaller number of airlines you can transfers to). But that card won't give you status.
And that brings up another point: Do you care which airlines you can transfer to? Presumably if you were using SPG Amex, you weren't transferring to United (since it was 2:1, while most other airlines were 1:1), but United is the only domestic legacy airline partner of Chase UR points, while Delta is the only domestic legacy airline partner of Amex Membership Rewards points, and no transferable points program transfers to AA. If you specifically want AA miles, you have to either continue with a card in the Marriott/SPG replacement program despite the slower earning, or get an AA card from either Barclay or Citi . If you want to use UR points for oneworld or SkyTeam flights, you have to learn about and use foreign airlines. If you want to use Amex MR points for oneworld or StarAlliance flights, you also have to learn about and use foreign airlines.
Last edited by sdsearch; May 1, 2018 at 11:31 am
May 1, 2018, 1:34 pm
#356
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
May 1, 2018, 8:42 pm
#357
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Hey All,
I've been using the SPG Amex for about 3 years, and have about 11M miles in the bank right now. I spend about $2M a month across an SPG Amex ($1.7M) and Capital One Spark ($300k), but as the SPG Amex is about to decrease in value by 33%, I'm looking for a new card. Spend is generally on business related online marketing and shipping.
Anyone in a similar boat looking for a new card? What do you recommend for high spenders? I suppose my desire is free first class travel, but would generally like status as well (hence SPG, where you can get Platinum using only free nights).
Thanks!
I've been using the SPG Amex for about 3 years, and have about 11M miles in the bank right now. I spend about $2M a month across an SPG Amex ($1.7M) and Capital One Spark ($300k), but as the SPG Amex is about to decrease in value by 33%, I'm looking for a new card. Spend is generally on business related online marketing and shipping.
Anyone in a similar boat looking for a new card? What do you recommend for high spenders? I suppose my desire is free first class travel, but would generally like status as well (hence SPG, where you can get Platinum using only free nights).
Thanks!
May 2, 2018, 12:04 am
#358
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,141
May 18, 2018, 11:53 am
#359
Join Date: Dec 2007
Location: PDX|AKL|AMS|GVA|AGP|CPT - or somewhere in between
Programs: DL DM; 2MM
Posts: 2,418
Which credit cards would YOU use ?
I've been agonizing over this question and would really appreciate some ideas or advise on the following:
I will have recurring invoices of around 20k/monthly in the coming 6 months for services rendered by a contractor.
He agreed to accept any credit card payments. He has billed a 2.5% fee for this service and I will start payments asap.
My credit card portfolio is varied and credit lines will easily cover.
I value my SPG, have the ATTAM for the extra 10k points, have Ink Biz and value Diamond Status with Hilton for $40k and so on.
I could also use my 2% Fidelity for cashback.
Will apply for the Amex Biz Blue - which also seems to be excellent for the future recurring payments.
Many Thanks in advance !
I will have recurring invoices of around 20k/monthly in the coming 6 months for services rendered by a contractor.
He agreed to accept any credit card payments. He has billed a 2.5% fee for this service and I will start payments asap.
My credit card portfolio is varied and credit lines will easily cover.
I value my SPG, have the ATTAM for the extra 10k points, have Ink Biz and value Diamond Status with Hilton for $40k and so on.
I could also use my 2% Fidelity for cashback.
Will apply for the Amex Biz Blue - which also seems to be excellent for the future recurring payments.
Many Thanks in advance !
May 18, 2018, 12:40 pm
#360
Join Date: Apr 2018
Programs: Marriott Ambassador/United 1K
Posts: 68
I think my issue with 3X points with a 150K cap is just the effort. We hit 150K in like 3 days, so it's not worth it to maximize for a single bonus. Would rather try to maximize and keep steady. As a result, I see this as really 1 point per dollar spent, and that's good but not great!
With your spending category it would seem the Chase Business Ink Preferred would be up your alley:
Travel
Shipping purchases
Internet, cable and phone services
Advertising purchases with social media sites and search engines
Pair this with an annual free fee Chase Freedom or Freedom Unlimited and you can continue to build large bonuses for yourself. You will have to build your relationship with Chaser a bit at first for that level of spending though it should be a short adjustment period for your level of spending. Addiitomnally a CSP or CSR can now or in the future benefit your position & point count along the way.
3X POINTS
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:*Travel
Shipping purchases
Internet, cable and phone services
Advertising purchases with social media sites and search engines
1X POINTS
Earn 1 point per $1 on all other purchase — with no limits to the amount you can earn.*Pair this with an annual free fee Chase Freedom or Freedom Unlimited and you can continue to build large bonuses for yourself. You will have to build your relationship with Chaser a bit at first for that level of spending though it should be a short adjustment period for your level of spending. Addiitomnally a CSP or CSR can now or in the future benefit your position & point count along the way.