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

Old Jan 2, 2017, 9:16 am
FlyerTalk Forums Expert How-Tos and Guides
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.













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

Old Jul 15, 2018, 5:06 pm
  #391  
 
Join Date: Feb 2018
Programs: UA, AA
Posts: 60
Yikes. So would it be wise to find the one Citi AA card product that I want to go with and once the bonus miles are awarded, then cancel the original card? So long as I have one open AA earning card I'm fine with doing this; I just want to earn back the miles I just spent on a one-way trans-Atlantic redemption last month. Also, does this affect the Barclay's products as well? Would I be eligible for one new Citi and a Barclay's, each with an AA bonus, or just one-or-the-other?
NJRadioGuy is offline  
Old Jul 15, 2018, 7:02 pm
  #392  
mia
Moderator
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Originally Posted by NJRadioGuy
....does this affect the Barclay's products as well? ....
No. Each issuer has its own policies.
mia is offline  
Old Jul 19, 2018, 12:05 am
  #393  
 
Join Date: Oct 2014
Posts: 50
After reading through many threads and posts, I figure with the Marriott Starwood changes this is what I'll do going forward - please chime in if anyone has any better ideas....

Main spending cards for personal and business have always been the AMEX Starwood personal and business, for over 20 and 10 years respectively.

Will keep Starwood personal just for the free night and for nostalgia. Thinking of cancelling the Starwood business (don't see a reason to keep it)
Thinking of getting AMEX Starwood Luxury and hitting 75K spend to get platinum status for the year and so I can effectively use my stash of starwood points to get upgrades, etc.

Will apply for new Chase Sapphire Reserve and Chase Ink Business Unlimited and put all of my spending on these cards.

Already have a decent stash of Starwood points but no UR points, so will start to use those UR points to expand hotel options when we travel.

Thoughts?
mdcubsfan is offline  
Old Jul 19, 2018, 5:18 am
  #394  
 
Join Date: Feb 2016
Location: Places in Palm Beach, Las Vegas, NYC
Programs: AA, Hyatt, Starwood,Delta, Ritz,
Posts: 23
Originally Posted by mdcubsfan
After reading through many threads and posts, I figure with the Marriott Starwood changes this is what I'll do going forward - please chime in if anyone has any better ideas....

Main spending cards for personal and business have always been the AMEX Starwood personal and business, for over 20 and 10 years respectively.

Will keep Starwood personal just for the free night and for nostalgia. Thinking of cancelling the Starwood business (don't see a reason to keep it)
Thinking of getting AMEX Starwood Luxury and hitting 75K spend to get platinum status for the year and so I can effectively use my stash of starwood points to get upgrades, etc.

Will apply for new Chase Sapphire Reserve and Chase Ink Business Unlimited and put all of my spending on these cards.

Already have a decent stash of Starwood points but no UR points, so will start to use those UR points to expand hotel options when we travel.

Thoughts?
Why not get the Ritz Carlton and more free nights plus same auto Platinum for a year over the Amex Spg reserve? Seems to me Chase has Amex beat across the board. I cancelled my Amex plat for CSR for everyday charges. SPG for Chase Ritz and added the Amex Delta reserve for 40,000 mqm in year one after 60k spend.
Coinguy is offline  
Old Jul 19, 2018, 7:56 pm
  #395  
 
Join Date: Oct 2014
Posts: 50
Thanks for the suggestion will look into the Ritz card. At a quick glance, looks like there is a bonus free nights offer for Ritz and not for AMEX (except the 1 night on anniversary)....but I think i'd be more likely to spend the $300 credit of AMEX at Marriott/Starwood than the $300 airline credit via the Ritz card.

Any other differences? I guess either one would be the only way I could get Platinum via 75K spend
mdcubsfan is offline  
Old Jul 21, 2018, 5:35 am
  #396  
mia
Moderator
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Originally Posted by mdcubsfan
...., looks like there is a bonus free nights offer for Ritz and not for AMEX ....
The American Express card is not yet available, how do you know what the bonus offer will be?
mia is offline  
Old Jul 21, 2018, 10:55 pm
  #397  
 
Join Date: Oct 2014
Posts: 50
AMEX SPG Luxury

Originally Posted by mia
The American Express card is not yet available, how do you know what the bonus offer will be?
I guess I was just going off what I had seen on the AMEX page - nothing about a bonus offer. So I guess once it goes live there may be something?

https://www.spgpromos.com/amexcomingsoon/terms/luxury
mdcubsfan is offline  
Old Jul 23, 2018, 2:27 pm
  #398  
mia
Moderator
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Originally Posted by mdcubsfan
....once it goes live there may be something?

....
Yes, some discussion here:


https://www.doctorofcredit.com/rumor...t-spg-bonuses/
mia is offline  
Old Aug 20, 2018, 11:06 am
  #399  
 
Join Date: Feb 2011
Posts: 72
Best Card Bonus for Large Purchase

I am getting married next month and am planning to have a lot of short term spending in support of this. I want to put this spending on a new card that has a high-spending bonus.

I currently have a Chase Sapphire Reserve which I updated from a Sapphire Preferred almost two years ago. I have been very happy with it, but getting that bonus is not possible. The base option would be to just put the ~$30k on that and be done with it.

Alternatively, I am currently looking at the British Airways branded card with the 100k bonus after $20k spend. We just booked the return flight on CX in J with Avios, so they are good for that. What avios are not good for is anything on BA with their abhorrent carrier fees for reward flights. The BA card has a quasi-companion pass for reward flights if you spend $30k, but again you need to pay their ridiculous fees regardless. On a sample economy flight that would save me $300, ~$1,200 on business to LHR from the east coast.

Another option would be the SWA card (I fly WN a ton), or the AAdvantage card (I never fly AA if I can avoid it, but they have good partner redemption).

Thoughts on these or other possibilities? Thanks!
Cheesemaster200 is offline  
Old Sep 12, 2018, 7:48 pm
  #400  
FlyerTalk Evangelist
 
Join Date: Apr 2001
Location: NYC
Programs: Landry's President's Club, Marriott Silver, Awesomeness EXPLT
Posts: 20,396
Best CC signup for taxes

Need to clean up a mess that a disabled family member left with federal taxes. I already have a CSR/TYP/INK card which other CC would be good for a $50K tax bill? I was thinking the BA or Aer Lingus card. Any other cards I'm missing here? Thoughts from everyone are most helpful!!
stockmanjr is offline  
Old Sep 13, 2018, 9:17 am
  #401  
mia
Moderator
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Originally Posted by stockmanjr
...already have a CSR/TYP/INK ...
Which INK card(s) do you have?
mia is offline  
Old Sep 13, 2018, 2:18 pm
  #402  
 
Join Date: Apr 2018
Posts: 262
Originally Posted by stockmanjr
Need to clean up a mess that a disabled family member left with federal taxes. I already have a CSR/TYP/INK card which other CC would be good for a $50K tax bill? I was thinking the BA or Aer Lingus card. Any other cards I'm missing here? Thoughts from everyone are most helpful!!
The card that you are meeting the minimum spend would be my choice. Then apply for new cards to put that $50K on those.
robchow is offline  
Old Sep 13, 2018, 2:58 pm
  #403  
 
Join Date: Apr 2014
Posts: 539
Originally Posted by Cheesemaster200
I am getting married next month and am planning to have a lot of short term spending in support of this. I want to put this spending on a new card that has a high-spending bonus.

I currently have a Chase Sapphire Reserve which I updated from a Sapphire Preferred almost two years ago. I have been very happy with it, but getting that bonus is not possible. The base option would be to just put the ~$30k on that and be done with it.

Alternatively, I am currently looking at the British Airways branded card with the 100k bonus after $20k spend. We just booked the return flight on CX in J with Avios, so they are good for that. What avios are not good for is anything on BA with their abhorrent carrier fees for reward flights. The BA card has a quasi-companion pass for reward flights if you spend $30k, but again you need to pay their ridiculous fees regardless. On a sample economy flight that would save me $300, ~$1,200 on business to LHR from the east coast.

Another option would be the SWA card (I fly WN a ton), or the AAdvantage card (I never fly AA if I can avoid it, but they have good partner redemption).

Thoughts on these or other possibilities? Thanks!
I would suggest the Chase Ink Preferred. It's a business card, but they are flexible in terms of approval (look at the thread). You can apply as a sole proprietorship and the name of the business would be your name (first and last name - again, look at the thread). Now for your purposes the CIP will give you 80K bonus UR points (which I assume you are familiar with) and 3x UR points on travel which will probably cover a good chunk of your wedding expenses (honey moon, hotel for reception, etc.). Hope this helps.
halamadrid is offline  
Old Sep 17, 2018, 10:24 pm
  #404  
 
Join Date: Jul 2015
Posts: 12
Originally Posted by stockmanjr
Need to clean up a mess that a disabled family member left with federal taxes. I already have a CSR/TYP/INK card which other CC would be good for a $50K tax bill? I was thinking the BA or Aer Lingus card. Any other cards I'm missing here? Thoughts from everyone are most helpful!!
iI am in a similar situation. Because of an unexpected capital gains event, our tax liabilities from 2018 Q3 estimated tax to April 15, 2019 is about $130,000 to Fed, and $70,000 to Ca. I am applying for a bunch of business cards and pay taxes to satisfy msr. Credit card fees are 1.8% for Fed and 2.3% for Ca. Since Aug, I got Chase CIP (msr met), Citi AA Platbiz, Barclays AA biz, BoA Alaska biz. Husband got AX Platbiz( spent $27,000), Barclays AAbiz, BoA Alaska biz, CitiAA Platbiz. We will try for as many cc as we can to get signup bonuses. Still that will not be enough to pay all our taxes owed. Fed only allows 2 payments per quarter, so I am thinking AX Blue Business Plus that gives 2x MR, and another AX Platbiz for me. Ca does not limit number of payments, so I hope to use as many signup bonuses as possible. Thinking about Chase MPE or BA for the big sprnd bonuses. If anyone has thoughts about best cards to use fir big spends, I too welcome suggestions.
fpaau2 is offline  
Old Sep 17, 2018, 10:27 pm
  #405  
 
Join Date: Jul 2015
Posts: 12
Originally Posted by Cheesemaster200
I am getting married next month and am planning to have a lot of short term spending in support of this. I want to put this spending on a new card that has a high-spending bonus.

I currently have a Chase Sapphire Reserve which I updated from a Sapphire Preferred almost two years ago. I have been very happy with it, but getting that bonus is not possible. The base option would be to just put the ~$30k on that and be done with it.

Alternatively, I am currently looking at the British Airways branded card with the 100k bonus after $20k spend. We just booked the return flight on CX in J with Avios, so they are good for that. What avios are not good for is anything on BA with their abhorrent carrier fees for reward flights. The BA card has a quasi-companion pass for reward flights if you spend $30k, but again you need to pay their ridiculous fees regardless. On a sample economy flight that would save me $300, ~$1,200 on business to LHR from the east coast.

Another option would be the SWA card (I fly WN a ton), or the AAdvantage card (I never fly AA if I can avoid it, but they have good partner redemption).

Thoughts on these or other possibilities? Thanks!
why not get a fee cards to maximize signup bonuses?
fpaau2 is offline  

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