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Transfer CapOne points

1

Citi Prestige Card No longer accepting application

1

Amex Gold offers free Clear membership

Can you help?
0

Hilton hotel adds surcharge for using a credit card

1

Am I Better Off Earning 4x Amex Points or 5x Citi/Chase Points?

2

Thoughts on Bilt, the new credit card that rewards you for paying rent?

1

iPhone Outright Purchase

Can you help?
0

100,000K Marriott points or 3 free nights?

3

Chase reserve medical evacuation benefit

3

Amex or JetBlue MasterCard

3

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Answers (2)

Just moved in together – which CCs?

Just moved in together – which CCs?

  1. Anonymous

    My girlfriend and I live together, and we’re trying to figure out which credit cards to use, as we’re beginning to combine our finances. Here are our current cards:

    Me
    – Chase Sapphire Reserve
    – Chase United Explorer (mainly used to maintain MileagePlus status with PQD waiver)
    – Capital One Quiksilver

    Her
    – Chase Sapphire Preferred
    – Chase Freedom
    – Capital One Quiksilver

    As you can see, there’s a lot of overlap.

    She’s thinking of replacing the CSP with an Amex Platinum because she’s been targeted for the 100k offer. We spend a lot on travel, dining out, and some on groceries and usual other items. Total CC spend is probably $50k-$75k (plus we pay rent and a few other things using Plastiq or similar services on the Chase United Explorer card for an additional $25k in spend)

    Thoughts?

  2. David W

    The Quicksilver is worth keeping if you’ve had it for a long time, but I wouldnt put spend on it.

    How long has she has the CSP? If it’s been more than 2 years, I recommend downgrading that to a Freedom Unlimited and then aply for the Reserve. Net additional annual fee is really just $55, compared to the Preferred. You’d each get $300 in travel credits per year.

    I recommend you get a Freedom card as well, if you think you can both maximize the 5x bonus each quarter.

    The Amex Plat is definitely worth considering with a 100k offer. The $200 airline credit can be useful (I use it to purchase AA gift cards) plus the $200 Uber credits can be used with UberEats also. She may eventually want to consider the Amex Everyday or Everyday preferred for the bonus on groceries.

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