2 Amex cards or 1 visa and 1 Amex
Apr 18, 2018, 2:01 pm
#1
Original Poster
Join Date: Apr 2017
Posts: 10
2 Amex cards or 1 visa and 1 Amex
Hey guys.
I have an Amex platinum card and a visa preferred. I like it in the sense that I use tHe preferred for gas and dining since it’s 2x points and platinum for everything else. I have been contemplating getting Amex proffered card so it’s 1.5x everything 4.5x in supermarket and 3.5x on gas. That way I can have lots of points on one point and program as opposed to two different programs. What are your guys thoughts about that?
I have an Amex platinum card and a visa preferred. I like it in the sense that I use tHe preferred for gas and dining since it’s 2x points and platinum for everything else. I have been contemplating getting Amex proffered card so it’s 1.5x everything 4.5x in supermarket and 3.5x on gas. That way I can have lots of points on one point and program as opposed to two different programs. What are your guys thoughts about that?
Apr 19, 2018, 7:59 am
#2
Join Date: May 2014
Location: Charleston, SC
Programs: SPG/Marriot Gold, Hilton Gold
Posts: 412
Before I really got into the points game (it's fun after all!), I used my Platinum for all my spend and got 1x per dollar. What a waste. I also used the SPG card a lot though for points. I'd recommend getting the Everyday Preferred or the Blue for Business Plus if you can get a business card. It gives you 2 points per dollar on all spending. It all just depends how much you spend on certain categories, but the Platinum is really only good for airfare. I can only imagine how many points I could have today if I hadn't wasted years using the Platinum for all my spending.
Apr 19, 2018, 4:03 pm
#3
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I'm not sure in what sense you mean "or 2 Amex".
Because some places don't accept Amex, and you need a plan for those places.
So perhaps 3 cards, with the third being a Visa only used when Amex sin't accepted?
Because some places don't accept Amex, and you need a plan for those places.
So perhaps 3 cards, with the third being a Visa only used when Amex sin't accepted?
Apr 19, 2018, 4:14 pm
#4
Join Date: Feb 2018
Location: Flyover Country
Programs: Hilton Diamond, Free Range Airline Chicken
Posts: 202
Unless I’m working on a minimum spend or other special requirement, the AMEX Everyday and the Chase Sapphire Reserve are the two cards that stay in my wallet on an everyday basis at home. I use the Chase card where bonuses apply, and the AMEX Everyday for everything else. If you have enough spending in the bonus categories to justify the AF, and can meet the thirty purchases/month requirement without excessive gyrations, the Everyday Preferred might work better for you. My AMEX Platinum only actually enters my wallet when I’m traveling, or of course gets pulled out when buying airline tickets. As mentioned, you need a non-AMEX card for the places that won’t take AMEX.
Apr 25, 2018, 9:26 am
#5
Join Date: Nov 2013
Location: PHX, SEA
Programs: Avis President's Club, Global Entry, Hilton/Marriott Gold. No more DL/AA status.
Posts: 4,422
I wouldn't want to have zero Visa cards in my wallet due to the potential of Amex not being accepted.
Does "Visa Preferred" mean the Chase Sapphire Preferred? Or a different card? If you're trying to minimize your annual fees (swap Chase for Amex) you could consider getting the Amex Everyday Preferred, so all your earning is on Membership Rewards, but get a $0 AF Visa card as well (i.e. the 1.5% CB Quicksilver, or my preferred Visa from Costco if you are member, both with no foreign transaction fees).
Does "Visa Preferred" mean the Chase Sapphire Preferred? Or a different card? If you're trying to minimize your annual fees (swap Chase for Amex) you could consider getting the Amex Everyday Preferred, so all your earning is on Membership Rewards, but get a $0 AF Visa card as well (i.e. the 1.5% CB Quicksilver, or my preferred Visa from Costco if you are member, both with no foreign transaction fees).
Apr 25, 2018, 12:18 pm
#6
Join Date: Mar 2009
Location: PHX
Programs: HHonors Lifetime Diamond, UA Million Miler Gold, Marriott Platinum
Posts: 1,142
I wouldn't want to have zero Visa cards in my wallet due to the potential of Amex not being accepted.
Does "Visa Preferred" mean the Chase Sapphire Preferred? Or a different card? If you're trying to minimize your annual fees (swap Chase for Amex) you could consider getting the Amex Everyday Preferred, so all your earning is on Membership Rewards, but get a $0 AF Visa card as well (i.e. the 1.5% CB Quicksilver, or my preferred Visa from Costco if you are member, both with no foreign transaction fees).
Does "Visa Preferred" mean the Chase Sapphire Preferred? Or a different card? If you're trying to minimize your annual fees (swap Chase for Amex) you could consider getting the Amex Everyday Preferred, so all your earning is on Membership Rewards, but get a $0 AF Visa card as well (i.e. the 1.5% CB Quicksilver, or my preferred Visa from Costco if you are member, both with no foreign transaction fees).
Apr 25, 2018, 11:46 pm
#7
Original Poster
Join Date: Apr 2017
Posts: 10
Thanks for the replies. I have the amex platinum and CSP. Currently dining and travel (non flights) go on csp and flights and everything else go on Platinum. I also have the chase with the rotating categories for 5x back. I think I am gonna change my CSP to CSR (as it is really only $55 more when you count in the airline credit and add the amex everyday preffered (as we do tons of grocery shopping and 4.5x back on first 6,000 is a lot of points) Plan would be to do dining and non flights on csr. Use the 5x rotating categories whenever they apply, everyday spending use amex preffered and use platinum for flights etc..
Apr 26, 2018, 12:22 pm
#8
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,080
Thanks for the replies. I have the amex platinum and CSP. Currently dining and travel (non flights) go on csp and flights and everything else go on Platinum. I also have the chase with the rotating categories for 5x back. I think I am gonna change my CSP to CSR (as it is really only $55 more when you count in the airline credit and add the amex everyday preffered (as we do tons of grocery shopping and 4.5x back on first 6,000 is a lot of points) Plan would be to do dining and non flights on csr. Use the 5x rotating categories whenever they apply, everyday spending use amex preffered and use platinum for flights etc..
Apr 26, 2018, 1:04 pm
#9
Original Poster
Join Date: Apr 2017
Posts: 10
Apr 26, 2018, 1:28 pm
#10
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
.
Apr 26, 2018, 6:13 pm
#12
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: 1,973
Thanks for the replies. I have the amex platinum and CSP. Currently dining and travel (non flights) go on csp and flights and everything else go on Platinum. I also have the chase with the rotating categories for 5x back. I think I am gonna change my CSP to CSR (as it is really only $55 more when you count in the airline credit and add the amex everyday preffered (as we do tons of grocery shopping and 4.5x back on first 6,000 is a lot of points) Plan would be to do dining and non flights on csr. Use the 5x rotating categories whenever they apply, everyday spending use amex preffered and use platinum for flights etc..
Apr 26, 2018, 9:32 pm
#13
Original Poster
Join Date: Apr 2017
Posts: 10
Also get Amex Blue Business Plus, which earns 2x on all spend up to $50k per year, and cancel Platinum. use CSR for all the travel and dining. I also have Platinum, CSR, Prestige, and Altitude Reserve. I use CSR for travel and dining. I use EDP for groceries and gas, and I use Altitude Reserve for everything else (with Samsung Pay). If I can't pay with Samsung pay (which is rare), then I use Amex BBP. For online I use Citi AT&T Access More. I use Prestige for 4th night free benefit. Going to cancel Platinum, as it mostly useless for me. Planning to apply for Hilton Aspire instead.
Apr 26, 2018, 9:39 pm
#14
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: 1,973
Apr 26, 2018, 11:02 pm
#15
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,080