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Platinum Confusion – Marriott Brilliant Amex

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Answers (24)

Should I get another Credit Card?

Should I get another Credit Card?

  1. Brodie Smith

    Hey Guys,

    So I’m pretty new at the game. Been reading for the last month or so and I’m having trouble deciding what my next Credit Card should be, if any.

    I currently have:
    Chase Sapphire Preferred
    Chase Freedom
    Chase Ink Business Bold

    Any advice on what credit card I should get next would be super helpful! Thanks so much!

  2. Gaurav

    [USER=741]@Brodie Smith[/USER] What are you trying to achieve?

  3. Brodie Smith

    [QUOTE=”Gaurav, post: 7008, member: 79″][USER=741]@Brodie Smith[/USER] What are you trying to achieve?[/QUOTE]
    That’s a great question! I guess I’m just trying to make sure I’m not missing out on anything. I want to maximize my purchases as much as possible.

  4. MidSouthSkier

    [USER=741]@Brodie Smith[/USER] – I think what [USER=79]@Gaurav[/USER] means is: what are your travel goals? You’ve got a great stockpile of Ultimate Rewards-earning cards but diversity is a good thing. Knowing where your travel goals are can make a difference on what cards would be recommended as different alliances have strengths in different regions.

  5. Brodie Smith

    [QUOTE=”MidSouth Skier, post: 7020, member: 184″][USER=741]@Brodie Smith[/USER] – I think what [USER=79]@Gaurav[/USER] means is: what are your travel goals? You’ve got a great stockpile of Ultimate Rewards-earning cards but diversity is a good thing. Knowing where your travel goals are can make a difference on what cards would be recommended as different alliances have strengths in different regions.[/QUOTE]
    I don’t necessary have travel goals other than getting upgraded as much as possible. I’m 6’5 so the extra leg room is really nice. I travel mostly for work and last minute a lot.

  6. MidSouthSkier

    [USER=741]@Brodie Smith[/USER] – what airlines do you typically travel? Long haul? Short domestic flights?

  7. Brodie Smith

    [QUOTE=”MidSouth Skier, post: 7029, member: 184″][USER=741]@Brodie Smith[/USER] – what airlines do you typically travel? Long haul? Short domestic flights?[/QUOTE]
    I’m currently trying to only fly on Delta…I’m out of Dallas, but fly randomly around the USA…the top 2 destinations however are LA and NY. I fly 3-5 times internationally a year.

  8. MidSouthSkier

    Then I would start with the SPG Amex. It currently has a 30K signup bonus. That’s 5K more than usual and it only comes around once a year. SPG points can be transferred to a wide variety of airlines. Plus when you transfer 20K SPG points at one time, you get a 5K bonus, meaning you’d end up with 25K Delta miles. (Note that transfers are not instant.)

    Lucky has a signup link on the Best Credit Cards tab at the top of this page under Hotel Credit Cards.

    Plus, after you spend $30K on the card you get SPG gold status.

  9. Brodie Smith

    [QUOTE=”MidSouth Skier, post: 7032, member: 184″]Then I would start with the SPG Amex. It currently has a 30K signup bonus. That’s 5K more than usual and it only comes around once a year. SPG points can be transferred to a wide variety of airlines. Plus when you transfer 20K SPG points at one time, you get a 5K bonus, meaning you’d end up with 25K Delta miles. (Note that transfers are not instant.)

    Lucky has a signup link on the Best Credit Cards tab at the top of this page under Hotel Credit Cards.

    Plus, after you spend $30K on the card you get SPG gold status.[/QUOTE]
    Ok thanks for the advice. I do see that a lot of people have that card and like it.

    I’m just now trying to figure out when to use what.

    So this is what I’m thinking as of now:
    Chase Freedom
    – Use only on categories that are 5x
    Chase Sapphire
    – Travel 2x
    – Dining 2x
    Ink Bold
    – Gas Stations 2x
    – Phone/Internet/Cable 5x

    When would I use the SPG Amex? And does my spending on the cards I already have make sense and would anything change if I get the SPG Amex?

  10. MidSouthSkier

    Yes, your spending absolutely makes sense. The SPG card doesn’t have any bonus categories (except for SPG hotels) so you’d use it for all your non-bonus category spending. Dry cleaners, auto repairs, medical bills, charity donations…anywhere not listed in the categories you list above that’ll take Amex.

  11. Brodie Smith

    [QUOTE=”MidSouth Skier, post: 7034, member: 184″]Yes, your spending absolutely makes sense. The SPG card doesn’t have any bonus categories (except for SPG hotels) so you’d use it for all your non-bonus category spending. Dry cleaners, auto repairs, medical bills, charity donations…anywhere not listed in the categories you list above that’ll take Amex.[/QUOTE]
    Sick! Thanks!

  12. Gaurav

    [USER=741]@Brodie Smith[/USER] [USER=184]@MidSouth Skier[/USER] makes a very good suggestion. Depending on your spending patterns I would also consider the AmEx Everyday Preferred card. It earns 1.5 MR points for every dollar spent as long as you make 30 transactions in every billing period. The one big bonus category I don’t see on your current repertoire is groceries where the card shines: you’ll earn 4.5MR/$ upto the first $6k in groceries per year plus unlimited 3x/$ at gas stations with the 30 transaction min.

  13. Brodie Smith

    [QUOTE=”Gaurav, post: 7048, member: 79″][USER=741]@Brodie Smith[/USER] [USER=184]@MidSouth Skier[/USER] makes a very good suggestion. Depending on your spending patterns I would also consider the AmEx Everyday Preferred card. It earns 1.5 MR points for every dollar spent as long as you make 30 transactions in every billing period. The one big bonus category I don’t see on your current repertoire is groceries where the card shines: you’ll earn 4.5MR/$ upto the first $6k in groceries per year plus unlimited 3x/$ at gas stations with the 30 transaction min.[/QUOTE]
    Oh wow that is nice. This one sounds way better than the SPG card…am I missing anything or is this an easy decision?

  14. MidSouthSkier

    I agree with [USER=79]@Gaurav[/USER] about the grocery category – totally missed that! But personally I’d apply for the SPG card first because its bonus time is limited and it would be next year before it rolls around again. But that’s me. 🙂 In 3 months or so you can apply for the Everyday Preferred card.

  15. Brodie Smith

    [QUOTE=”MidSouth Skier, post: 7052, member: 184″]I agree with [USER=79]@Gaurav[/USER] about the grocery category – totally missed that! But personally I’d apply for the SPG card first because its bonus time is limited and it would be next year before it rolls around again. But that’s me. 🙂 In 3 months or so you can apply for the Everyday Preferred card.[/QUOTE]
    Neither of these have an annual fee?

  16. Gaurav

    Both have an annual fee of $95

  17. Brodie Smith

    [QUOTE=”Gaurav, post: 7055, member: 79″]Both have an annual fee of $95[/QUOTE]
    Hmm but I make up for this with the points I get?

  18. Gaurav

    At least in the first year you should (given bonuses), after that it depends on your spending patterns.

  19. Brodie Smith

    [QUOTE=”Gaurav, post: 7058, member: 79″]At least in the first year you should (given bonuses), after that it depends on your spending patterns.[/QUOTE]
    Ok so might close one after the first year then…cuz I doubt I will spend that much

  20. Gaurav

    I guess the other way to consider this is do you have elite statue with Delta? How often do you get upgraded to comfortable seats?

  21. Brodie Smith

    [QUOTE=”Gaurav, post: 7062, member: 79″]I guess the other way to consider this is do you have elite statue with Delta? How often do you get upgraded to comfortable seats?[/QUOTE]
    I currently have Silver status with Delta, that is soon to be Gold. By the end of the year it will be Platinum…Why what were thinking?

  22. Rob Potts

    If I can hazard a guess, I think he’s considering some of the Delta AMEX credit card options which, if you put on enough spend, will offer you MQMs toward upping your elite status.
    If you’re concerned about the annual fee value, there is also a no annual fee version of the AMEX Everyday Preferred called the AMEX Everyday. This does not give you the gas bonus (but you have that covered with Chase), but it does still give you double points back on groceries up to $6k per year and a 20% point accrual bonus when you use the card 20 times or more in a month. I have this card for grocery spend rather than the Everyday Preferred because I don’t find for my level of grocery spend that the additional points back justify the annual fee. The signup bonus is 10,000 MR points after $1,000 in spend over three months, as compared to 15,000 points for the Preferred. This card, of course, shares the advantage of getting you into the AMEX Membership Rewards program to supplement your Chase Ultimate Rewards. It could be worth investigating if you’d like to avoid the fee but still get a grocery bonus.
    If you were interested in both cards, you could apply for the SPG and Everyday cards on the same day using different browsers. I wouldn’t do this if you don’t think you would meet both signup bonus spend requirements though–it’s a shame to miss out on those!

  23. Gaurav

    Well, it seems like the goal here isnt really to accrue DL miles as much as to get the best chances of an upgrade. I’m assuming your travel is for work and you can only buy economy tickets. If you only fly DL, maybe consider the Amex Delta Reserve card. Spending 60k will give you 30,000 mqm every year, pushing you to higher status, improving your chances of domestic upgrades, the card itself provides a tiebreaker advantage on the upgrade list and of you can make it to diamond you also get upgrade certificates that you can use to guarantee upgrades. The card is pricy at 450 though so you have to consider your choices.

  24. PhatMiles

    [USER=741]@Brodie Smith[/USER] :
    [USER=79]@Gaurav[/USER] & [USER=184]@MidSouth Skier[/USER] have given very good tips.
    From what I see you don’t have any straight up awards you are eyeing on in the near future.
    If SPG/ EveryDay are not options, I would do something like this too:

    1. Apply for the AA Exec card – 75K AA miles after 7.5K spend. The $450 annual fee sounds steep, but the 75K miles are sweet too. After one year downgrade that to the citi double cash card. Since the Double Cash doesn’t have a sign up bonus and is a good CB card, it makes more sense to take this route. During this year the AA Exec card gets you to Admirals Club (in NYC, LAX) and a $100 Global Entry Credit.

    2. There have been fresh posts on boardingarea about targeted offers from AA on Plat/BizGold cards for 100K and 75K. 100K for amex plat sounds great.

    3. Diversify yourself and hit on some of the great Citi Products.

    I can think of the most frequently suggested cards on boarding area lately. Again, needs drive the deeds.

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