Questions and Answers

This is a 5/24 problem question: have the United Club card where the $450 fee just renewed on Jan 1 (but no longer travelling on United much – but have lots of miles (750k); also have Sapphire Preferred, about to renew on 4/1 with a $95 fee. Have IHG, Hyatt cards as well; plus the Alaska card. I plan to downgrade to the United Explorer card at year end to get the fee down to $95 (from $450). Question: Should I keep the Sapphire Preferred Card for the $95 fee? If I cancel it, I won’t be able to get another Chase card for a while. Or will the United Explorer card I will get at the end of 2018 be sufficient. I want to keep my United Miles. Please help. Thank you.

I would definitely keep the Chase card – Ultimate Rewards points could transfer to most of those programs if you ever need to top off a balance.

What card do you put most of your spend on?

[QUOTE=”rickyw, post: 53356, member: 1436″]I would definitely keep the Chase card – Ultimate Rewards points could transfer to most of those programs if you ever need to top off a balance.

What card do you put most of your spend on?[/QUOTE]
Chase United Club

I’d say if you already have 750K United miles, it’s a great time to start diversifying your mileage balances! I can’t think of anywhere in the world you wouldn’t be able to go in first class (even a couple times), with that many miles in the bank.

If possible, I’d recommend moving the majority of your spend to the Chase Sapphire.

You’re probably familiar with most of the benefits, since you already have the card… but if you need a refresher, Lucky wrote a post a few months back:

[URL]http://onemileatatime.boardingarea.com/2017/12/09/best-first-credit-card/[/URL]