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]
Dec 5, 2021, 12:22 pm
#496
Join Date: Jan 2011
Posts: 2
2. Business is approx. 520k and personal is 80k
3. Spend categories are: 270k - sales tax (no fee!!!), 100k - Costco, 100k distributors, 15k gas and vehicles, 5k grocery, remainder misc
4. No employees
Dec 6, 2021, 7:50 am
#497
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: 1,980
1. Unfortunately it's just the basic United Card (missed the window to open the higher tier 1.5x card)
2. Business is approx. 520k and personal is 80k
3. Spend categories are: 270k - sales tax (no fee!!!), 100k - Costco, 100k distributors, 15k gas and vehicles, 5k grocery, remainder misc
4. No employees
2. Business is approx. 520k and personal is 80k
3. Spend categories are: 270k - sales tax (no fee!!!), 100k - Costco, 100k distributors, 15k gas and vehicles, 5k grocery, remainder misc
4. No employees
Wyndham Business - gas
Amex EDP (4.5x) or Cap1 SavorOne (3x) or Citi Premier (3x) - grocery
If you can do in-person payments using mobile wallet get USB Altitude Reserve (4.5% cashback) and use it instead of Cap1 Spark.
Dec 10, 2021, 7:24 am
#498
Join Date: Feb 2014
Posts: 53
Just keep it simple especially if the majority is business, so a 1.5x chase card, there may be a 2x biz ink soon. Then a card to make sure you can transfer to partners.
If you have 3+ cards for business you’ll end up spending more time on accounting, paying a CPA more to track, or reimbursing yourself in a time consuming manner…assuming it’s more or less self run business.
If you have 3+ cards for business you’ll end up spending more time on accounting, paying a CPA more to track, or reimbursing yourself in a time consuming manner…assuming it’s more or less self run business.
Feb 10, 2022, 10:03 pm
#499
Join Date: Apr 2017
Posts: 471
Next credit card? Making large purchase soon
I am booking international trip soon so expecting to be a large purchase (at least $3,000) so wonder what cards you recommend besides the one I have? I am looking for a good card with high signup bonus that I can keep (without an annual fee or a small annual fee with perks that justify it). So Amex Plat cards won't be ideal. I am probably at 3/24 now. I currently have:
Chase CSP
US bank Altitude reserve
Amex Hilton Business
Barclays Wyndham Business
Barclays AA aviator Business
Chase business cash back
Chase business unlimited
Chase freedom unlimited
Chase freedom
Chase IHG
Penfed pathfinder
Chase CSP
US bank Altitude reserve
Amex Hilton Business
Barclays Wyndham Business
Barclays AA aviator Business
Chase business cash back
Chase business unlimited
Chase freedom unlimited
Chase freedom
Chase IHG
Penfed pathfinder
Feb 11, 2022, 1:19 pm
#500
Join Date: Oct 2004
Posts: 96
CIti just changed cash back to TY points, which can then be redeemed for cash back. Wonder if they'll change the redemption % at a later point.
Mar 9, 2022, 11:07 pm
#501
Join Date: Jan 2019
Posts: 5
Credit Card for very large utility bills
I have around 100k a month in electricity, gas and water bill with company. With $1.5 fee (not % just $1.5) for using cc.
I was wondering what type of credit card would be best for business. I travel with Star Alliance twice a year (HNL-BEG).
I also have personal credit card with around 10k a month on miscellaneous purchases. Right now I am spending all this electricity with Bofa Travel rewards.
I was thinking about United Club Business Card but I already have United Explorer for personal use.
I was wondering what type of credit card would be best for business. I travel with Star Alliance twice a year (HNL-BEG).
I also have personal credit card with around 10k a month on miscellaneous purchases. Right now I am spending all this electricity with Bofa Travel rewards.
I was thinking about United Club Business Card but I already have United Explorer for personal use.
Mar 10, 2022, 5:16 pm
#502
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The key is to find a card that will allow you to spend $100,000 per month. In general, "Business" credit cards are issued to individuals, not to companies, which means your personal income and credit quality will need to support the credit risk. "Corporate" cards are issued to companies, but rewards programs can be different.
Mar 10, 2022, 6:36 pm
#503
Join Date: Jan 2019
Posts: 5
Yes I have personal credit card with 100k (two of them) its actually 99.900 for some reason 
Also bunch of business credit cards with 50k limit. I already use them a lot.
But also I can pay in full few time per month
I am not worried for that part. Just wondering what would be the best suit for myself. Problem is when you have such revenue/profit you don't have much time to research) crazy.
Also bunch of business credit cards with 50k limit. I already use them a lot.
But also I can pay in full few time per month
I am not worried for that part. Just wondering what would be the best suit for myself. Problem is when you have such revenue/profit you don't have much time to research
) crazy.
Apr 4, 2022, 2:37 pm
#504
Join Date: Aug 2020
Posts: 51
Higher spender credit card (currently Chase) - who should I use?
Hi -
I have three Chase credit cards. The highest spend card is my United Club card, but I also have a Chase MileagePlus and Chase Freedom card. Combined, I'm well over $130,000/year on the three of them, as I use them for virtually every expense I have (and I spend $450/year for the Club card and $95/year for the MileagePlus card)
I've been very disappointed in Chase recently when I went to dispute a charge (for the first time in 3 years), and after spending over an hour on the phone and getting transferred 5 times, getting nowhere, I've decided to ditch all three and move to a different card company.
My question is who should I use? Historically I've used Chase because of the United miles I get, but that's not as important to me as just overall perks.
What's the best card out there for my spend? Also obviously I would like to have the same protections (car rental, travel insurance, etc etc0
I have three Chase credit cards. The highest spend card is my United Club card, but I also have a Chase MileagePlus and Chase Freedom card. Combined, I'm well over $130,000/year on the three of them, as I use them for virtually every expense I have (and I spend $450/year for the Club card and $95/year for the MileagePlus card)
I've been very disappointed in Chase recently when I went to dispute a charge (for the first time in 3 years), and after spending over an hour on the phone and getting transferred 5 times, getting nowhere, I've decided to ditch all three and move to a different card company.
My question is who should I use? Historically I've used Chase because of the United miles I get, but that's not as important to me as just overall perks.
What's the best card out there for my spend? Also obviously I would like to have the same protections (car rental, travel insurance, etc etc0
Apr 4, 2022, 3:01 pm
#505
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The rules for card disputes are established by the card network and by the government. There are differences in how well card issuers implement these rules, but it could be that you did not have a valid reason to dispute the transaction, and you would have encountered the same result elsewhere. In any event, serious disputes should be submitted in writing, that's the legal requirement.
American Express is arguably better at handling disputes because they are both the network operator and card issuer, but this does not mean that every dispute is resolved in the cardholder's favor.
There are many threads comparing the features of (example) Chase Sapphire Reserve versus American Express Platinum.
American Express is arguably better at handling disputes because they are both the network operator and card issuer, but this does not mean that every dispute is resolved in the cardholder's favor.
There are many threads comparing the features of (example) Chase Sapphire Reserve versus American Express Platinum.
Apr 4, 2022, 3:04 pm
#506
Join Date: Aug 2020
Posts: 51
The rules for card disputes are established by the card network and by the government. There are differences in how well card issuers implement these rules, but it could be that you did not have a valid reason to dispute the transaction, and you would have encountered the same result elsewhere. In any event, serious disputes should be submitted in writing, that's the legal requirement.
American Express is arguably better at handling disputes because they are both the network operator and card issuer, but this does not mean that every dispute is resolved in the cardholder's favor.
There are many threads comparing the features of (example) Chase Sapphire Reserve versus American Express Platinum.
American Express is arguably better at handling disputes because they are both the network operator and card issuer, but this does not mean that every dispute is resolved in the cardholder's favor.
There are many threads comparing the features of (example) Chase Sapphire Reserve versus American Express Platinum.
AMEX Platinum - got it. thanks.
Any other suggestions?
Apr 4, 2022, 4:52 pm
#507
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: 1,980
I have around 100k a month in electricity, gas and water bill with company. With $1.5 fee (not % just $1.5) for using cc.
I was wondering what type of credit card would be best for business. I travel with Star Alliance twice a year (HNL-BEG).
I also have personal credit card with around 10k a month on miscellaneous purchases. Right now I am spending all this electricity with Bofa Travel rewards.
I was thinking about United Club Business Card but I already have United Explorer for personal use.
I was wondering what type of credit card would be best for business. I travel with Star Alliance twice a year (HNL-BEG).
I also have personal credit card with around 10k a month on miscellaneous purchases. Right now I am spending all this electricity with Bofa Travel rewards.
I was thinking about United Club Business Card but I already have United Explorer for personal use.
Yeah i'm not as worried about a discussion here related to card disputes, but i do know that everything i've heard about AMEX is they go to bat for you. Example: it's not as easy for me to contact a company in Czech Republic that's placed the fraudulent charge, but Chase has more manpower and reputation to. But anyway I digress...
AMEX Platinum - got it. thanks.
Any other suggestions?
AMEX Platinum - got it. thanks.
Any other suggestions?
Last edited by EmailKid; Apr 4, 2022 at 7:07 pm Reason: Back to back posts
Jun 20, 2022, 10:38 am
#508
FlyerTalk Evangelist
Join Date: Mar 2013
Programs: DL PM, MR Titanium/LTP, Hilton Diamond
Posts: 10,130
Have to spend $15k on a roof replacement. Good news is they take credit card without a fee, bad news is they don't take AMEX so I can't use my DL AMEX Reserve (that would've knocked out my MQD waiver for the year).
Question is do I stick with just putting it on my CFU for the 1.5x or do I open up something new and grab the bonus?
Thoughts on potential to open:
Capital One Venture Card -- 75k bonus plus 2x points means that this should give me a points haul of about 105k from the single purchase
BA/AerLingus/Iberia -- 100k bonus and I guess could center my spend on it for the rest of the year to get the companion pass
Virgin Atlantic -- 60k bonus with the same 1.5x as the CFU but would then need to focus on getting to $25k to get the other benefits of the card
My gut says either go for the Capital One (and use it just for this and then it probably stays in my drawer until renewal and then gets cancelled) or just don't bother opening up something new and use my CFU
Question is do I stick with just putting it on my CFU for the 1.5x or do I open up something new and grab the bonus?
Thoughts on potential to open:
Capital One Venture Card -- 75k bonus plus 2x points means that this should give me a points haul of about 105k from the single purchase
BA/AerLingus/Iberia -- 100k bonus and I guess could center my spend on it for the rest of the year to get the companion pass
Virgin Atlantic -- 60k bonus with the same 1.5x as the CFU but would then need to focus on getting to $25k to get the other benefits of the card
My gut says either go for the Capital One (and use it just for this and then it probably stays in my drawer until renewal and then gets cancelled) or just don't bother opening up something new and use my CFU
Jun 22, 2022, 7:27 pm
#509
Join Date: Jan 2009
Location: WAS
Programs: AA EXP2M, DL 1MM DM ext, UA PP <=> HH G/Marr PE/Hyatt G/IHG P FT RA ( Recovering Addict)
Posts: 4,596
I also thought Cap 1 was the card just for the bonus, but I have been pleasantly surprised
I have Chase for UA, WN and Hyatt
Rest AF, EK, AC, etc all can be partners with Capital One - AND you get 2 points per $ spend
So I use my Chase Ink for office stores and utilities for 5x and the Cap 1 for the 2x - I was using the unlimited cards for 1.5x - that is now gone
That and add the PPass, the Hertz Status and the 4 extra users for free, I am now a convert to Cap 1 - I think it is the single best travel card for families
I have Chase for UA, WN and Hyatt
Rest AF, EK, AC, etc all can be partners with Capital One - AND you get 2 points per $ spend
So I use my Chase Ink for office stores and utilities for 5x and the Cap 1 for the 2x - I was using the unlimited cards for 1.5x - that is now gone
That and add the PPass, the Hertz Status and the 4 extra users for free, I am now a convert to Cap 1 - I think it is the single best travel card for families
Have to spend $15k on a roof replacement. Good news is they take credit card without a fee, bad news is they don't take AMEX so I can't use my DL AMEX Reserve (that would've knocked out my MQD waiver for the year).
Question is do I stick with just putting it on my CFU for the 1.5x or do I open up something new and grab the bonus?
Thoughts on potential to open:
Capital One Venture Card -- 75k bonus plus 2x points means that this should give me a points haul of about 105k from the single purchase
BA/AerLingus/Iberia -- 100k bonus and I guess could center my spend on it for the rest of the year to get the companion pass
Virgin Atlantic -- 60k bonus with the same 1.5x as the CFU but would then need to focus on getting to $25k to get the other benefits of the card
My gut says either go for the Capital One (and use it just for this and then it probably stays in my drawer until renewal and then gets cancelled) or just don't bother opening up something new and use my CFU
Question is do I stick with just putting it on my CFU for the 1.5x or do I open up something new and grab the bonus?
Thoughts on potential to open:
Capital One Venture Card -- 75k bonus plus 2x points means that this should give me a points haul of about 105k from the single purchase
BA/AerLingus/Iberia -- 100k bonus and I guess could center my spend on it for the rest of the year to get the companion pass
Virgin Atlantic -- 60k bonus with the same 1.5x as the CFU but would then need to focus on getting to $25k to get the other benefits of the card
My gut says either go for the Capital One (and use it just for this and then it probably stays in my drawer until renewal and then gets cancelled) or just don't bother opening up something new and use my CFU
Jun 23, 2022, 7:11 am
#510
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: 1,980
I also thought Cap 1 was the card just for the bonus, but I have been pleasantly surprised
I have Chase for UA, WN and Hyatt
Rest AF, EK, AC, etc all can be partners with Capital One - AND you get 2 points per $ spend
So I use my Chase Ink for office stores and utilities for 5x and the Cap 1 for the 2x - I was using the unlimited cards for 1.5x - that is now gone
That and add the PPass, the Hertz Status and the 4 extra users for free, I am now a convert to Cap 1 - I think it is the single best travel card for families
I have Chase for UA, WN and Hyatt
Rest AF, EK, AC, etc all can be partners with Capital One - AND you get 2 points per $ spend
So I use my Chase Ink for office stores and utilities for 5x and the Cap 1 for the 2x - I was using the unlimited cards for 1.5x - that is now gone
That and add the PPass, the Hertz Status and the 4 extra users for free, I am now a convert to Cap 1 - I think it is the single best travel card for families