Best Credit Card
 

Hello,
I have, United mileage visa/citi AA/Citi PP Elite/Spg Amx, Credit Cards,each for my personal and business use.I spend around $2000 for personal and $2000 for my business.since i just want to use air miles and i travel 3-4 times per year domestic,which credit card do you think is the best for me .is it better use one type(for example spg amx/citi pp elite)for personal and business.I really appreciate your help and thank you in advance.

I assume you mean that you spend about $4000 per month, half personal and half business, is that correct? Which airline(s) do you typically fly?

Sigh, new year, same old questions.

thank you mia for your reply.yes i spend around $4000,and i fly United and American Airline.

I think four cards is probably too many for $50,000 annual purchases. How are you dividing your transactions between them? Do you have the SPG card because you stay at Starwood hotels or primarily to earn airline miles?

I have spg to earn airline miles.also i don,t use all of them at this time and want to put all transactions in one or two.mostly i use citi pp elite recently .

At the top of this screen is a drop down that says "forums" on that drop down you will find one that says "search". Select it and type in your title and use it. You will find that this has been covered OHHH so many times and run into the ground. It would be appreciated if you did the research instead of starting a new thread. Thanks.

I will try to help you as much as I can but first answer the two questions:

1) Do you have elite status with the airlines or are trying to go for elite status

or

2) Do you only care about price and will take the airline that is offering the cheapest fare that day and this is the same with hotels also.....

This will help me....

If I were you. I will use: Citi Premier Pass Elite Level and American Express Starwood card.
1,Citi Premier Pass Elite:
You can order air tickets. And purchase same amount.

2,SPG:
when your purchase points will exceed flight points.

To begin I would close the AAdvantage Mastercard account. SPG points can be converted to AAdvantage miles when you need them, the annual fee is lower, if you spend enough on the SPG card to accumulate 20,000 points you can receive a 5,000 mile bonus, and you can use the Starpoints for hotel redemptions if you decide to use Thank You Points for airline tickets.

I am not yet convinced on TYP so I would stay with AA or SPG.

SCENARIO 1: UA will be your primary airline
SPG AMEX will not help much. The point conversion is 2 SPG:1 UA. Get a personal UA Visa and one for business.

SCENARIO 2: AA will be your primary airline
Get a personal SPG AMEX and one for business. Use these as your primary cards.

Sometimes you cannot use an AMEX? How big of an issue is this, i.e. how much spending cannot go on an AMEX? If you will spend more than $3300 on a personal AA MC/Visa, then get the AA World MC Gold Level $50/year. If you will not spend more than $3300, then get a personal MC/Visa that does not have an annual fee and offers rewards for low levels of spending, e.g. Citi PP (not elite), Citi Diamond Preferred, etc. (Some credit unions offer a Visa/MC that pays 1% cash back monthly.)

Apply the same logic to the business Visa/MC. However, in this case consider the Citi ThankYou Professional Card. It offers 3 pts/$ in several spending categories and has no annual fee.

ALTERNATIVES:
1. Choose Citi Diners Club MC instead of Citi AA MC/Visa.
2. Get a Citigold account if possible. You will get your Citi AA cards or Citi PP Elite for free.
3. If you have a Fidelity account, choose the Fidelity Visa Signature for 1.5% cash back.

here is another scenario:

if you do not have/care about elite status then use the PP Elite for personal use and use the PP Business to keep your charges separate....you pt earing is way better than any other mileage program out there.....no blackout dates and they gaurantee a ticket at the fixed point option.....

for example:

I did a redemption a couple of weeks agao...4 tickets to India from the USA for 240,000 pts on the dates I wanted and you can earn FF miles for these tickets....all coach seats....this was at the end of DEC and I made the call on the 14th of DEC, leaving on the 29th of DEC on AA.....these tickets earn 100% of mileage

On AA/DL/UA with the dates listed above-- Good luck....

now to calculate the amount of pts you can earn:

PP ELITE -- 1pt for every $ + 1pt for everyday spending + 1 flight point = 3pts/$ spent

SPG AMEX -- 1 pt per $ spent

so, for a ticket to Hawaii (based on spending alone and assuming the tickets are available...if not then just recalculate the AANytime awards)

ON AA -- 35,000 miles which can be transferred to AA from SPG Amex in the following manner: 25,000 miles including the 25% bonus equals to $20,000 in spending--and then another 10,000 in spending...

ticket to Hawaii on a SAAVER award -- $30,000 in spending

On TY Network -- 40,000 pts /3 which equals to 13,333.33 in spending...and tickets are available as long as the following rules are met:

1) 14 day advance purchase
2) Saturday night stay

I think that the TY program is the best out there -- but on this forum, it is very hard to teach an "old dog new tricks" and everyone still believes that SPG amex is better...

You decide...if you need anymore info....ask

why are you not convinced? read my post before this one...

Great anaggie, now you and I are friends I think,:cool: so, I will point this out and you can show me the error of my ways. And I won't be offended, unless you get nasty:p

I fly DL and AA and never UA. I fly out of ATL primarily international except for MR's domestically. I rarely stay over a Saturday night. I have a DL AX that I regularly manage triple points on. Ok, I'll be honest I have 5 DL AX cards and I rotate based on the one with the triple on it. I deposit all to the same SM#. I can see your point about the travel earning miles but wouldn't I still be earning miles that would need to be used. Yes I have a Chairman and it earns TYP but I just have not been able to break the habit of playing the DL AX Triple game. Oh, I have to spend 25k on each to get 10k MQM's on each every year. Maybe that is the killer, I need that spending to ensure forever Platinum.:D