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Answers (3)

which card should you use to pay for hotel or airline

which card should you use to pay for hotel or airline

  1. ImANewbie

    Hi, I have been reading this site for about six months trying to understand the wonderful world of points. When my friend pointed out that I could be taking a week long vacation for very little, just by adjusting my thinking and spending I was all ears. I have watched all you pros and I must admit I am still a little confused. We started with the Delta Platinum with 70000 sign up bonus and figure we can make the spend and flights to make gold fairly quickly. Next we did the personal/business Southwest for the companion pass and last we did the Amex business platinum that you suggested. Now what? I am confused as to whether I should charge my Delta flights on the new Amex or the Delta one how do the points work? In the case of SPG and Hilton (my husband does a lot of hotel stays) is there any point in picking up these cards with the Amex Platinum or is there a reason to have both of those. That should do it for the moment. Any help or insight would be appreciated.

  2. MarkS

    [USER=2766]@ImANewbie[/USER] congratulations on starting. Sounds like you need a strategy. Where do want to go, when, etc. then how many points do you need and with who. So I would give that some thought first.

    Rule of thumb is to use the card that gives the best point multiple. Since Amex plat is 5x then use that for airfares. Amex mr points can be easily transferred to delta for a use. So can Spg points which are more valuable than Hilton.

    The strategy is most important. I recommend starting there and add the cards to get you to the point totals you need. Good luck!

  3. Gaurav

    Hi [USER=2766]@ImANewbie[/USER], [USER=9]@Mark[/USER] S gives excellent advice. It sounds like you’ve been reading for a while but you should really spend some time figuring out a focus on what works for you. Great card offers come by from time to time but really take the time to focus on what cards will help with your goals. I would also make sure if there is any other Chase card on your radar you should go for that first since otherwise you will be over 5/24.

    It used to be that co-branded cards gave better bonuses for spend at the brand partner as well as associated benefits but created scattered points balances. You’ll still get better benefits from the cobrand cards but for points earnings there are now products that will earn transferable points at rates that are comparable to cobrand cards. Good luck!

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