Should I change cards?
May 12, 2023, 11:46 am
#1
Original Poster
Join Date: Jul 2005
Posts: 3,072
Should I change cards?
I spend about $500k a year on my Chase United Club Card for Business, non of it is travel and earns 1.5 miles per dollar. I don't put much value on the United Club membership, when I come up for renewal I am considering changing cards. I already have a CSR card, but it only gets 1 point for regular purchases. Is there a different card I should consider that earns more than 1 point per dollar on non-travel?
May 12, 2023, 1:05 pm
#2
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
Chase Ink Business Unlimited.
1.5 UR points per dollar, no annual fee, and if you have certain other Chase cards you can transfer these UR points to United miles or Hyatt points, so it's just more flexible than what you have there.
1.5 UR points per dollar, no annual fee, and if you have certain other Chase cards you can transfer these UR points to United miles or Hyatt points, so it's just more flexible than what you have there.
May 12, 2023, 4:22 pm
#3
Join Date: Dec 2018
Posts: 81
Since you don't break down your business expense categories it's difficult to tell you which one is best. You should check out the Ink cards; Cash, Unlimited and Preferred. They all have very strong spending areas and with your CSR card you can transfer the points earned with them to where you want them. Be aware that the Ink Premier card also earns Reward points but it does not allow you to transfer its UR points like all of the other cards do. Personally, I have avoided it for that very reason.
May 12, 2023, 10:10 pm
#4
FlyerTalk Evangelist
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Why not a basic 2% back card for all purchases? That's an extra $2500 in your pocket.
https://www.forbes.com/advisor/credi...sh-back-cards/
https://www.forbes.com/advisor/credi...sh-back-cards/
May 12, 2023, 11:58 pm
#5
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,455
If your business has $100k on deposit (cash or investments) at Bank of America, you get 75% boosted earnings on their credit cards. So you could earn 2.62% cash back on everything, with category bonuses up to 5.25%. That can be competitive with points/miles and certainly easier to redeem.
May 15, 2023, 9:20 am
#7
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
Also, I think Synnex will give you better pricing if you pay by wire or ACH.
May 17, 2023, 8:52 am
#9
Original Poster
Join Date: Jul 2005
Posts: 3,072
How do I figure out what the bonus categories are and if I would qualify?
May 19, 2023, 5:25 am
#10
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Posts: 48,955
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May 19, 2023, 2:37 pm
#11
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
Read here: https://www.americanexpress.com/us/c...wd#offer-terms in particular How the 4X Points Benefit Works
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May 24, 2023, 6:10 am
#13
Original Poster
Join Date: Jul 2005
Posts: 3,072
Read here: https://www.americanexpress.com/us/c...wd#offer-terms in particular How the 4X Points Benefit Works
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