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]
Jun 11, 2013, 3:07 pm
#1
Original Poster
Join Date: Feb 2013
Location: RDU
Posts: 20
Which card(s) to use for high spend or large purchases? [Consolidated]
MrGreen and I are about to make a large ($20K) purchase next week, and the merchant is cool with splitting it between as many cards as we like.
Of course that meant it was time for an AOR.
Got our 7 new cards in the mail (3 in my name, 4 in his), and we're going to put about $5K each on 4 of them. (Got the spend covered for the other three.)
So, I'm just trying to navigate how to make this go as smoothly as possible without setting off any red flags.
We're looking at an Amex, a Citi, and two Barclays. Paying off the Amex/Citi immediately, and paying off a chunk of the Barclays but financing some of it over the next few months since the Arrivals have a 12mo intro 0% APR.
Just a little paranoid about running into snags (like, getting accounts closed).
- Issues with making a large purchase on a new card?
- Does it make a difference if it's the FIRST charge? Should we make a small purchase on each first?
- Better to wait until after the first statement? (All of the statements will have cut by the 20th, so we could.)
- Worth calling in advance to notify them about the large charge? Would that serve to alleviate concerns or just set off a flag?
- Do they care about the charge price relative to the spend requirement? Like, if the amount of one purchase is exactly the min spend?
- What about the charge price relative to the limit? For example, the limit on the Amex is $7.5K, so would a $5K purchase set off an alarm because it's over 50% of the limit (even though we'd pay it off immediately)?
Also, we'll be leaving balances of 29% the limits on the Barclays cards, so hopefully that util-ratio doesn't bother anyone too much while we pay them down over the next few months.
Of course that meant it was time for an AOR.
Got our 7 new cards in the mail (3 in my name, 4 in his), and we're going to put about $5K each on 4 of them. (Got the spend covered for the other three.)
So, I'm just trying to navigate how to make this go as smoothly as possible without setting off any red flags.
We're looking at an Amex, a Citi, and two Barclays. Paying off the Amex/Citi immediately, and paying off a chunk of the Barclays but financing some of it over the next few months since the Arrivals have a 12mo intro 0% APR.
Just a little paranoid about running into snags (like, getting accounts closed).
- Issues with making a large purchase on a new card?
- Does it make a difference if it's the FIRST charge? Should we make a small purchase on each first?
- Better to wait until after the first statement? (All of the statements will have cut by the 20th, so we could.)
- Worth calling in advance to notify them about the large charge? Would that serve to alleviate concerns or just set off a flag?
- Do they care about the charge price relative to the spend requirement? Like, if the amount of one purchase is exactly the min spend?
- What about the charge price relative to the limit? For example, the limit on the Amex is $7.5K, so would a $5K purchase set off an alarm because it's over 50% of the limit (even though we'd pay it off immediately)?
Also, we'll be leaving balances of 29% the limits on the Barclays cards, so hopefully that util-ratio doesn't bother anyone too much while we pay them down over the next few months.
Last edited by MzGreen; Jun 11, 2013 at 3:13 pm
Jun 11, 2013, 4:36 pm
#2
Join Date: May 2013
Location: Glasgow, Scotland
Posts: 63
I tried spending the full credit limit on a new card as a first purchase and it was refused by my CC company. They called me later at home and said it was stopped because they were concerned that the new card had been delivered to the wrong person. Once i cleared it with them, i went back to the store and completed the purchase. Better to call each first and tell them your intentions.
Jun 11, 2013, 5:35 pm
#3
Join Date: Dec 2011
Posts: 375
Just call your CC and give them a heads up and it shouldn't be a problem.
Don't worry about getting your accounts closed, you have to understand that most of the account closures are due to award abuse/obvious signs of manufactured spend.
Don't worry about getting your accounts closed, you have to understand that most of the account closures are due to award abuse/obvious signs of manufactured spend.
Jun 11, 2013, 5:47 pm
#4
Original Poster
Join Date: Feb 2013
Location: RDU
Posts: 20
I've read about plenty of account closures (Barclays) that had nothing to do with manufactured spend but resulted from credit-report changes that occurred after opening the account (such as opening other accounts).
Jun 11, 2013, 7:51 pm
#5
Join Date: Aug 2011
Location: The Phoenix Desert
Programs: Hilton Cubic Zirconia, Marriott Fools Gold
Posts: 1,692
I had some unexpected expenses come up about a month after I got my two amex's and was worried about getting flagged for unusual activity. I just called them and gave them a heads up that I needed to make a large purchase online split across both cards. They asked me what the amounts were and made a note on my account. No problems at all.
Jun 11, 2013, 11:00 pm
#6
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,098
I have a large, recurring expense that seems to set off every bell and whistle in town. I do call in advance, or even make the charge while I'm right there on the phone with the CS agent. New cards seem more prone to this than seasoned ones. Fraud alerts are a PITA!
For your Utilization ratio... put the revolving balance on your highest CL card
For your Utilization ratio... put the revolving balance on your highest CL card
Jun 29, 2013, 2:10 pm
#7
Join Date: Jun 2013
Posts: 30
Advice Needed for Upcoming Large Purchase - Add a New Card?
Hey All!
I'm in the market for some advice. I won't bore you with the details, so allow me to outline me and my situation:
Credit Karma: 762
Credit Sesame: 752
Age: 24
Gross Annual Income: $65,000
Current Cards:
I have an upcoming purchase in 2 weeks of around $2,000 for new kitchen cabinets. I think this would be an incredible opportunity to take advantage of the ability to meet a minimum spending requirement for a new card, but I'm unsure of the following:
Does anyone have and advice or guidance for this motivated noobie?
My only reward/mile savings is currently 10k UR points, so I'm starting pretty "fresh" in attempting to reach this goal.
Any and all advice is extremely appreciated! Thanks!
I'm in the market for some advice. I won't bore you with the details, so allow me to outline me and my situation:
Credit Karma: 762
Credit Sesame: 752
Age: 24
Gross Annual Income: $65,000
Current Cards:
- Chase Freedom (Opened 2006, $4300 limit)
- Chase Sapphire (Opened April 2013, $5000 limit)
- Chase Ink Plus (Opened June 2013, $5000 limit)
- Discover IT (Opened May 2012, $5750 lmit)
- American Express Blue Cash Everyday (Opened January 2013, $6000 limit)
I have an upcoming purchase in 2 weeks of around $2,000 for new kitchen cabinets. I think this would be an incredible opportunity to take advantage of the ability to meet a minimum spending requirement for a new card, but I'm unsure of the following:
- If I can get approved for a "valuable" card with so many recent approvals.
- Which card to apply for to help me reach my reward goal.
Does anyone have and advice or guidance for this motivated noobie?
My only reward/mile savings is currently 10k UR points, so I'm starting pretty "fresh" in attempting to reach this goal.
Any and all advice is extremely appreciated! Thanks!
Jun 29, 2013, 4:08 pm
#9
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Chase UA for 50k after $1k in 3m, get 5k for adding an AU, and double dip with the UR mall for 5 UR/$ (I think).
In the future, it's also worth letting us know where you already have points, or if you need them in a certain airline, without that, we can only guess, like I did above.
Spend some time reading the threads in the CC forums, and you'll find the best offers and be able to compare them and figure out what is best for you.
In the future, it's also worth letting us know where you already have points, or if you need them in a certain airline, without that, we can only guess, like I did above.
Spend some time reading the threads in the CC forums, and you'll find the best offers and be able to compare them and figure out what is best for you.
Last edited by PainCorp; Jun 29, 2013 at 4:32 pm
Jun 29, 2013, 5:38 pm
#12
Join Date: Jun 2013
Posts: 30
Yes, for me, $2000 is a large purchase. As another poster suggested, I also carry no debt and don't have a mortgage. My fiancee and I are also living solely off my income at the moment, so $2000 is a considerable expense. I'm sorry if you were expecting the purchase amount to be higher.
Thanks for the contribution! As mentioned in my original post, my only points right now are 10k UR points. I used to be a cash-back-only guy and always redeemed my points for statement credits, as I didn't have a ton of interest in traveling. I'm beginning to change that state of mind though 
Do you really think I can get approved for the Chase UA card, with a Chase approval in both April and June of this year? From everything I've read, the June business card approval is going to be too close to a new application. Thoughts?
Chase UA for 50k after $1k in 3m, get 5k for adding an AU, and double dip with the UR mall for 5 UR/$ (I think).
In the future, it's also worth letting us know where you already have points, or if you need them in a certain airline, without that, we can only guess, like I did above.
Spend some time reading the threads in the CC forums, and you'll find the best offers and be able to compare them and figure out what is best for you.
In the future, it's also worth letting us know where you already have points, or if you need them in a certain airline, without that, we can only guess, like I did above.
Spend some time reading the threads in the CC forums, and you'll find the best offers and be able to compare them and figure out what is best for you.
Do you really think I can get approved for the Chase UA card, with a Chase approval in both April and June of this year? From everything I've read, the June business card approval is going to be too close to a new application. Thoughts?
Jun 29, 2013, 5:58 pm
#13
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Thanks for the contribution! As mentioned in my original post, my only points right now are 10k UR points. I used to be a cash-back-only guy and always redeemed my points for statement credits, as I didn't have a ton of interest in traveling. I'm beginning to change that state of mind though
Do you really think I can get approved for the Chase UA card, with a Chase approval in both April and June of this year? From everything I've read, the June business card approval is going to be too close to a new application. Thoughts?
Do you really think I can get approved for the Chase UA card, with a Chase approval in both April and June of this year? From everything I've read, the June business card approval is going to be too close to a new application. Thoughts?
The new accounts is a potential valid issue, being of a similar age, I opened two Chase cards in January and they just denied me an Ink citing the recent accounts. My income is also substantially less than yours, so take that all for what it's worth.
Might be worth trying for the Citi AA card, or the US Air card, but I think you'll have better luck with the Citi AA card, just make sure you find the 50k link. The spending on that is $2,500 or $3k, not sure anymore.
You just want one card? How much other spending can you put on it in a month?
Jun 29, 2013, 6:26 pm
#14
Join Date: Jun 2013
Posts: 30
Doh! I missed the UR part, sorry! I'm right there with you, used to do cash back, and now I see the error in my ways.
The new accounts is a potential valid issue, being of a similar age, I opened two Chase cards in January and they just denied me an Ink citing the recent accounts. My income is also substantially less than yours, so take that all for what it's worth.
Might be worth trying for the Citi AA card, or the US Air card, but I think you'll have better luck with the Citi AA card, just make sure you find the 50k link. The spending on that is $2,500 or $3k, not sure anymore.
You just want one card? How much other spending can you put on it in a month?
The new accounts is a potential valid issue, being of a similar age, I opened two Chase cards in January and they just denied me an Ink citing the recent accounts. My income is also substantially less than yours, so take that all for what it's worth.
Might be worth trying for the Citi AA card, or the US Air card, but I think you'll have better luck with the Citi AA card, just make sure you find the 50k link. The spending on that is $2,500 or $3k, not sure anymore.
You just want one card? How much other spending can you put on it in a month?
Can I ask what brought up the more than 1 card question?
Jun 29, 2013, 6:28 pm
#15
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
I'm open to more than one card for sure. I've got a couple Q3 rotating categories for gas coming up, so that will take priority over additional cards (if it becomes a factor), as I'll net more UR points this way. However, I can put about $2000 of manufactured spending on a card in a month and about $2000 of real spending per month, relatively comfortably.
Can I ask what brought up the more than 1 card question?
Can I ask what brought up the more than 1 card question?
Take a look around and check out the offers, you're the only one that knows what is best for you.