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Answers (6)

best card combos

best card combos

  1. Gus

    Hi, I’m new to this board and I’ve done some digging to try to find solid CC combo but I seem to be going in circles and would really appreciate any help.

    A bit of background:

    – Mostly looking to accumulate points to use on award tickets (mostly domestic first/business class, and maybe a business/first international trip every year or so)
    – I don’t fly all too much (maybe I’ll start flying more if I had some more points)
    – Have been loyal to Delta until now (again, don’t fly too much so I’m only a silver and everyone knows silver doesn’t mean anything on Delta), but I’d like to broaden my exposure to other FFPs to take advantage of lower prices across the board since Delta is often beat domestically

    – I just opened the AMEX PRG
    – I spend mostly on groceries, Uber, Amazon, restaurants, and a handful of flights a year

    So here’s the question, really: what’s another CC I can open that will perhaps be able to pick up some slack in terms of rewards on general spending, while also opening my options for other redeemable airlines?

    I’ve considered the AMEX everyday preferred but I don’t know if I should pigeonhole myself into one rewards program. Also considered the AMEX SPG card since it offers the 5k bonus when you transfer points, but I mostly travel to visit people so I don’t spend on hotels. And I’m also worried about spreading myself too thin between FFPs so any advice to that point would be super helpful.

    Thanks for any help!

  2. David W

    A few questions first:

    Where are you based?
    Where do you normally go when flying domestically?
    Where do you want to go internationally?

    Amex cards that earn MR point and Delta Amex cards are a pretty good combo. Chase cards that earn their UR points are also a great combo. Citi TY cards are useful as well, though maybe not as much as Amex and Chase.

  3. Gus

    David, thanks for the response.

    Based in Boston, typically go to either LA, SF, Cincinnati, Indianapolis, or Ft. Meyers, FL. Internationally, really anywhere. Haven’t set my sights on anywhere in particular.

    I was thinking of Chase, but just curious as to a card that would fit my particular spending (ie. don’t spend on gas at all).

  4. David W

    For Amex, I’d consider adding either their Everyday or Everyday preferred cards. With enough transactions per month you’d be earning at least 1.2-1.5 points per dollar. Also worth considering is the Amex Delta cards when the bonus is high. While Delta awards on their own planes can be difficult or exorbitantly priced, the best part of their program is redeeming for partner awards

    Amex points can be transferred to Delta (though there is a tax) Otherwise, Amex MR points can be transferred to other airlines, most notably Singapore (only way to get into their premium cabins), AirFrance KLM (some awards a better priced/routed than thru Delta), Aeroplan(StarAlliance – lower miles than United but some fuel surcharges, depending on the airline), Etihad (can make sense depending on the route, especially if theres a bonus on transfer), BA (short haul awards, especially when there is a transfer bonus)

    I’d also suggest the Chase Sapphire Reserve when it’s available, if only for the first year. It’s also worth holding on to long term if you dont otherwise have any high end cards. If you pair that with the Chase Freedom & Chase Freedom Unlimited, you’re always earning at least 1.5x UR points on spend. Chase UR points are transferable to quite a few airlines, notably United, Singapore and Korean. United has pretty generous routing rules (for now, changes that kick in a few months from now may alter that a bit) and no fuel surcharges. Awards are decently priced, considering other airline’s award charts.For Korean, their program is the only one that will get you into their F cabins. They also offer better business class availability – Alaska and Delta both dont have access to all saver level seats.

    Remember that you shouldnt transfer points out of Amex MR and Chase UR until you’re ready to book an award and verify that seats are available.

  5. Gus

    Thanks for all the advice.

    If I get the everyday preferred, I guess the PRG is really only good for restaurants and airfare…probably not the best use of the $195 annual fee. I guess I could grab a Chase card to cover the rest.

    What’s a good strategy for signing up for multiple frequent flyer programs and how do I manage my spending to build up points in multiple accounts? Is it just about picking a couple (ie. Delta) and then building up Skymiles that I can then use on partner award flights? What are some of the more versatile frequent flyer programs I should start honing in on in terms of racking up points towards?

  6. Gaurav

    Ideally you want to build up balances in a couple of transferrable programs. They all have their pros and cons as [USER=29]@David W[/USER] has mentioned. I would take a look at the transfer partners and spending bonuses on the spending categories you are likely to use and pick between UR, MR, SPG, and TYP. If you have a small business something to consider might be a an Ink card from Chase. You can buy Amazaon gift cards at 5x so it may be worthwhile for you. Good luck!

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