Questions and Answers

Hi everyone,

I currently hold the hilton surpass amex card and delta premium card. My previous job involved a lot of travel (80-100 days a year) thus the reason why i have the 2 cards. However I no longer work for them cause they were downsizing and my position was eliminated.

Now I will probably not be traveling that much for business anymore and maybe 20 – 30 days on personal travel a year. I can thinking of getting the Amex Premier gold card (I had this before but canceled about 1.5 years ago) and cancel the delta or both cards. My goal is to use Amex points for global travel in the future.

I do know that Amex points are more valuable than Hilton based on valuations.

What would you do in my situation?

Thanks everyone
Anirudh

[USER=922]@Anirudh Rallabhandi[/USER]

Are thinking about the personal version Amex Premier gold? On personal Amex’s the sign up bonus is once in a lifetime event.

Still a good card for everyday spend, but sadly no sign up if you have had it before.

[QUOTE=”No Name, post: 12282, member: 268″][USER=922]@Anirudh Rallabhandi[/USER]

Are thinking about the personal version Amex Premier gold? On personal Amex’s the sign up bonus is once in a lifetime event.

Still a good card for everyday spend, but sadly no sign up if you have had it before.[/QUOTE]

I can’t even get the 25k points current sign up bonus?

[QUOTE=”Anirudh Rallabhandi, post: 12284, member: 922″]I can’t even get the 25k points current sign up bonus?[/QUOTE]

Also what will be a alternative card?

Unless the 25 K sign up bonus is higher than the bonus you received before then the answer is no. If higher I believe you can get difference between 25K and what you got last time.

What are planning to use the points for? Hotel or flights? Or a mix? If flights are we talking about Delta or some other airline?

Are you primarily looking to earn sign up bonuses or a card for every day spend?

[QUOTE=”No Name, post: 12286, member: 268″]Unless the 25 K sign up bonus is higher than the bonus you received before then the answer is no. If higher I believe you can get difference between 25K and what you got last time.

What are planning to use the points for? Hotel or flights? Or a mix? If flights are we talking about Delta or some other airline?

Are you primarily looking to earn sign up bonuses or a card for every day spend?[/QUOTE]

The 25k bonus is lower than I received last time. Got 40k last time. Points will be used for flights and maybe hotels. Mostly for international flights and not necessarily on delta. This card will be for every day purchases, mostly gas, restaurants and supermarkets.

Lucky did write an article last year about every day cards.
[URL]http://onemileatatime.boardingarea.com/2015/08/03/most-rewarding-credit-cards/[/URL]

What strikes me right away from bonus sign up way of looking at it, is the Amex SPG if you have not had it yet. There is a good chance that the card will go away when SPG and Marriott merges so this might be the last year you can earn the sign up bonus.

And Starpoints is one of the most flexible points currencies out there when it comes to transfer partners.

The Amex Premier gold is a better card for every day spend as Lucky writes in the article so I would keep looking and see if Amex comes out with a better sign up offer. But unless you have very high everyday expenses the bonus from the SPG will still be worth more short term.

And if your main expenses include gas and supermarkets, after earning the SPG bonus I would consider the Everyday Preferred card that bonuses those at 3x and 4.5x respectively (upto $6k annually for supermarkets) with 30 transactions per billing cycle.