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Which card(s) to use for high spend or large purchases? [Consolidated]

Which card(s) to use for high spend or large purchases? [Consolidated]

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Old Aug 28, 19, 6:36 am   -   Wikipost
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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.
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. 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.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95.
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.
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 Spark Miles Business Visa - 1.5x on all partners, except SQ and EK. AF $95, FYF, no FTF.
Capital One Venture Visa - 1.5x on all partners, except SQ and EK. 7.5x (all partners, except SQ and EK) on hotels.com until 01/31/2020. AF $95, FYF, no FTF.
Capital One Spark Miles Select Business Visa - 1.125x on all partners, except SQ and EK. 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.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Chase United Club Card Visa - 1.5x United miles. AF $450, no FTF, some other perks.


Cards that earn hotel points

Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Ascend - 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 SPG - 2x Marriott points. AF $95, FYF, no FTF.
Amex SPG Business - same as Amex SPG.
Amex SPG Luxury - same as Amex SPG. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything, still obtainable). AF $69/$0, FTF.
Chase Marriott Premier Plus Visa - same as Amex SPG
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
US Bank Radisson Rewards Premier Visa Signature - 5x RR points. AF $75, FTF
US Bank Radisson Rewards Business Visa - 5x RR points. AF $60, FTF
US Bank Radisson Rewards Visa Signature - 3x RR points. AF $50, 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 Microsoft Wallet 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.
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.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 3% first year, after that 2.5%. AF $59, FYF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF.
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.
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. 10% cashback on hotels.com until 01/31/2020. AF $95, FYF, no FTF.
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%, no AF, no FTF.
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Old Aug 11, 19, 11:06 am
  #436  
 
Join Date: Mar 2013
Posts: 363
AMEX’s new Business Cash card has an incognito offer where it will pay $250 after $5000 spent in 6 months and $250 after an additional $10000 spent in 12 months. It also pays 2% cash back. So on $15,000 total spend you’d earn 5.33% cashback. That’s a pretty good deal especially considering your vendors are all likely non-bonus categories. If you think you’ll spend more than $15k on credit cards your finance could always get one and double it to $30k.
jags86 is online now  
Old Aug 15, 19, 3:54 pm
  #437  
 
Join Date: Jul 2017
Posts: 25
Originally Posted by jags86 View Post
AMEXís new Business Cash card has an incognito offer where it will pay $250 after $5000 spent in 6 months and $250 after an additional $10000 spent in 12 months. It also pays 2% cash back. So on $15,000 total spend youíd earn 5.33% cashback. Thatís a pretty good deal especially considering your vendors are all likely non-bonus categories. If you think youíll spend more than $15k on credit cards your finance could always get one and double it to $30k.
Novice question, but would there be any issues with AMEX or the IRS to use a business card for wedding expenses?
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Old Aug 15, 19, 4:12 pm
  #438  
 
Join Date: Mar 2013
Posts: 363
Originally Posted by Dream of Flying View Post


Novice question, but would there be any issues with AMEX or the IRS to use a business card for wedding expenses?
No
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Old Aug 28, 19, 11:53 am
  #439  
 
Join Date: Jul 2017
Posts: 25
New card suggestion for a one time large non category purchase

Have a one time non category purchase of around $5,000 coming up in November. Would like suggestions for a card with a good sign up bonus and hopefully continuous usage for at least one year.

It is a personal purchase, but open to using business card as long as the credit card company doesnít mind.

We currently donít have any transferable MR, transferable UR or TYP cards but we are open to them. I am at 4/24 and P2 is at 1/24, both with excellent credit scores.

TIA!
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Old Aug 28, 19, 12:38 pm
  #440  
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Do you already have a points balance with any airline or vote program? Or specific desires on what you might ultimately redeem for?
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Old Aug 28, 19, 1:01 pm
  #441  
 
Join Date: Jul 2017
Posts: 25
Originally Posted by javabytes View Post
Do you already have a points balance with any airline or vote program? Or specific desires on what you might ultimately redeem for?
We fly AA the most often but our area is also served by Southwest, JetBlue, Delta and United so we are open to using them. We only have a few thousands AA points and nothing else.

Ultimately we want economy domestic flights for sure and maybe one international flight next year but that plan is really up in the air (no pun intended).

What is a vote program?




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Old Aug 28, 19, 3:03 pm
  #442  
 
Join Date: Feb 2013
Programs: Hyatt Explorist, MLife Gold, Marriott Gold, HHonors Gold, SPG Gold, Amex Plat
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Originally Posted by Dream of Flying View Post


We fly AA the most often but our area is also served by Southwest, JetBlue, Delta and United so we are open to using them. We only have a few thousands AA points and nothing else.

Ultimately we want economy domestic flights for sure and maybe one international flight next year but that plan is really up in the air (no pun intended).

What is a vote program?




Three of the four airlines you mention are transfer partners for Chase UR. Iíd go with the Sapphire Preferred 60k bonus and add the Freedom Unlimited with no specific bonus but 3x non category spend for first $20k. Then 1.5 after that. If you have the CSP, you can transfer the Freedom UR points to the CSP and then to Airlines. Only P2 would be able to get both these cards bc you are at 4/24. But you all can combine points if same household. So maybe one of you get CSP and the other get Freedom Unlimited.
Dream of Flying likes this.
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Old Aug 28, 19, 3:15 pm
  #443  
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Originally Posted by Dream of Flying View Post
What is a vote program?
Hotel, which I apparently misspelled and my phone auto-corrected to something else.
Originally Posted by Dream of Flying View Post
We fly AA the most often but our area is also served by Southwest, JetBlue, Delta and United so we are open to using them. We only have a few thousands AA points and nothing else.

Ultimately we want economy domestic flights for sure and maybe one international flight next year but that plan is really up in the air (no pun intended).


Southwest and JetBlue don't serve many international destinations, so that may be one consideration.

If you fly AA most often, it sounds like they may be the most convenient for you. AA is introducing dynamic award pricing and coach awards are becoming available that are cheaper than ever (even as low as ~5k one way instead of 7.5-12.5k) at low-demand times. That said, if you're looking to travel during peak times, award prices can be higher.
Delta has already fully adopted dynamic award pricing.
So it's getting harder to look at an award chart and plan how many miles you're going to need for an award, but you can at least search some of your intended destinations and get a sense of what the tickets are going for.

You won't earn enough from a single sign-up bonus to fly multiple domestic flights and an international round trip (especially if by international you mean something besides Canada/Mexico/Caribbean). However, in the case of AA, both Citi and Barclays offer credit cards. You can both sign up for them. And the bonus thresholds are not super high - a single purchase earns you 60k AA miles from Barclay, and $3,000 in 3 months earns you 60k from Citi. If you each sign up for both cards and meet the spending requirements, now you're each sitting on 120k miles from signup bonuses, in addition to the miles from whatever you spend over the course of the year.
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Old Sep 2, 19, 1:11 pm
  #444  
 
Join Date: Oct 2003
Location: A Capital City on The East Coast
Programs: CO-Dirt,SPG-Nothing,Marriott-Gold, Hilton-Blue, Hyatt-Plat, HI-Plat
Posts: 6,860
Looking to revamp current cards

Looking to change up current cards as they are not likely the best options for points/miles
Back in a position where starting to travel a far amount again for work but likely not enough for status
Have some major home repairs planned during the next few month which should help with Min Spend(HVAC/Windows around 20k)
looking to add to current points/miles mainly,
Personal travel needed to Japan for next couple years-prefer at least Biz class

Currently have-
Amex Executive Gold- business card I've had for years for my personal business ($260 AF) (small balance on it)
Chase United Presidential Plus- UA(preferred airline) Club access (and finally one again here at RDU), premier access, checked bags ($450 AF)
Chase United MileagePlus Visa-Nothing ($65 AF) (small balance on it)
Barclay's Aviator Mastercard-Checked bag and earlier boarding ($89 AF)

My thinking
1). Bump the Amex to plat for 60K MR points (after 5k in 90 days). Thought about opening a Schwab account for maybe 100k MR points but that seems
pretty narrowly targeted. Anyone know of an offer for more than 60K?
1a). Not sure if I want to do just straight up Amex or maybe co-branded DL card. Have an offer for 75k miles, with 2k spend in first 90 days.
My skymiles account is darn near empty, so not sure what good 75k sky pesos will do me. I will likely be flying DL some as territory is southeast.
1b). Will likely downgrade either at 1st year mark
2). Reduce credit line on Barclay's card and have for if/when I might be on AA (or maybe just close it)
3). Keep Chase Presidential Plus (or convert to Club Card?)
4). Convert Mileageplus Visa to Sapphire Plus for 60k points, after 4k in 90 days

Q-am I better to pay off balances first? before opening/changing accounts?

Feed back welcome
Thanks
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Old Sep 2, 19, 1:59 pm
  #445  
 
Join Date: Apr 2005
Location: SFO, reluctantly
Programs: UA 1P, AS MVP, WN CP; MR Ti, IHG Plat, BW Dia, HH Au, RR Au
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Originally Posted by windwalker View Post
1). Bump the Amex to plat for 60K MR points (after 5k in 90 days). Thought about opening a Schwab account for maybe 100k MR points but that seems
pretty narrowly targeted. Anyone know of an offer for more than 60K?
Is there a compelling reason you need a Plat? If you're using United clubs, what does it really buy you? (And unless you have a targeted offer to change to the Plat, you'll need to apply for a net new card anyway if you want the 60k bonus)
1a). Not sure if I want to do just straight up Amex or maybe co-branded DL card. Have an offer for 75k miles, with 2k spend in first 90 days.
My skymiles account is darn near empty, so not sure what good 75k sky pesos will do me. I will likely be flying DL some as territory is southeast.
Bigger question here - if you are going to be traveling more, there's a lot of value in standardizing on an airline to earn elite status. Regardless, tho, if the offer you have is the 75k on the Delta Gold card, with first year annual fee waived and a $50 statement credit, that is the best offer in recent memory, perhaps ever, so you should consider applying for it anyway.
1b). Will likely downgrade either at 1st year mark
Make sure you wait until after the annual fee posts to avoid a clawback
2). Reduce credit line on Barclay's card and have for if/when I might be on AA (or maybe just close it)
You could apply for the Citi version later if you need it and earn the bonus again. There is also a business version from both Citi and Barclays.
3). Keep Chase Presidential Plus (or convert to Club Card?)
If you're going to keep the club access, it probably makes sense to keep the Presidential Plus. There are no publicly available cards that earn PQM so you're holding a benefit you can't really get otherwise. Plus I think you are grandfathered into a lower annual fee.
4). Convert Mileageplus Visa to Sapphire Plus for 60k points, after 4k in 90 days
No bonus for converting, only a new application. If you're thinking of a UR card, the Chase Ink Preferred still has an 80k bonus.

Q-am I better to pay off balances first? before opening/changing accounts?
Why are you ever carrying a balance?
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Old Sep 2, 19, 2:06 pm
  #446  
 
Join Date: Apr 2018
Posts: 159
Originally Posted by windwalker View Post
Looking to change up current cards as they are not likely the best options for points/miles
Back in a position where starting to travel a far amount again for work but likely not enough for status
Have some major home repairs planned during the next few month which should help with Min Spend(HVAC/Windows around 20k)
looking to add to current points/miles mainly,
Personal travel needed to Japan for next couple years-prefer at least Biz class

Currently have-
Amex Executive Gold- business card I've had for years for my personal business ($260 AF) (small balance on it)
Chase United Presidential Plus- UA(preferred airline) Club access (and finally one again here at RDU), premier access, checked bags ($450 AF)
Chase United MileagePlus Visa-Nothing ($65 AF) (small balance on it)
Barclay's Aviator Mastercard-Checked bag and earlier boarding ($89 AF)

My thinking
1). Bump the Amex to plat for 60K MR points (after 5k in 90 days). Thought about opening a Schwab account for maybe 100k MR points but that seems
pretty narrowly targeted. Anyone know of an offer for more than 60K?
1a). Not sure if I want to do just straight up Amex or maybe co-branded DL card. Have an offer for 75k miles, with 2k spend in first 90 days.
My skymiles account is darn near empty, so not sure what good 75k sky pesos will do me. I will likely be flying DL some as territory is southeast.
1b). Will likely downgrade either at 1st year mark
2). Reduce credit line on Barclay's card and have for if/when I might be on AA (or maybe just close it)
3). Keep Chase Presidential Plus (or convert to Club Card?)
4). Convert Mileageplus Visa to Sapphire Plus for 60k points, after 4k in 90 days

Q-am I better to pay off balances first? before opening/changing accounts?

Feed back welcome
Thanks
If you have the capacity to pay off balances on credit cards, this should be first thing to do. No reason to pay the cards' interest if it can be avoided.
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Old Sep 4, 19, 7:34 am
  #447  
Moderator: Travel Buzz, Chase Credit Cards
 
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 2,714
I'd seek to keep both the credit lines and the average age of account through downgrades and product changes. Sign up bonuses are the way to get a good haul of points. The only exceptions are the oh so sweet Amex upgrade offers, which keep your account number and history and can offer some hefty upgrade bonus points.

So... I think I'd downgrade the Barclays and United Mileage Plus cards to no fee cards. Possibly (if possible, I'm not sure) product change the Amex Gold Biz to a Blue Biz for 2x the points on everything, and then decide if the United Plus Presidential is worth keeping.

Then, I'd get a new Amex Plat with a good offer
or a Delta
And a Chase Sapphire Reserve or Preferred, or an Ink (great sign up offers right now). You cannot convert a UA co branded card to a Chase proprietary card, such as the UA to a Sapphire.
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Old Sep 4, 19, 8:12 am
  #448  
mia
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Programs: AA & Marriott Perpetual Platinum; HH Gold
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Originally Posted by StartinSanDiego View Post
.... (if possible, I'm not sure) product change the Amex Gold Biz to a Blue Biz for 2x the points on everything, ....
American Express (USA) will not convert a charge card (Green, Gold, Plum, Platinum), to a credit card (Blue, Everyday, Delta, Hilton, Lowes, Marriott). A CSR may use the term "downgrade", but they will actually close one account and open another.
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Old Sep 5, 19, 7:58 am
  #449  
Moderator: Travel Buzz, Chase Credit Cards
 
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 2,714
Originally Posted by mia View Post
American Express (USA) will not convert a charge card (Green, Gold, Plum, Platinum), to a credit card (Blue, Everyday, Delta, Hilton, Lowes, Marriott). A CSR may use the term "downgrade", but they will actually close one account and open another.
Ah, thanks for the clarification. Does the Gold Charge card have any non-fee options?
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Old Sep 5, 19, 8:30 am
  #450  
mia
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Join Date: Jun 2003
Location: Miami & London
Programs: AA & Marriott Perpetual Platinum; HH Gold
Posts: 38,398
Originally Posted by StartinSanDiego View Post
....Gold Charge card have any non-fee options?
No. Once upon a time there was a free charge card (Zync), but it is long discontinued .
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