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Which credit card to get?
I’m getting ready to purchase a hot tub. Which card or cards give me the best points, especially for air miles? Thanks.
[USER=2420]@Gentle Warrior[/USER], what are your current point balances? Travel goals? In most places a hot tub would be an unbonused spend so you’re likely to get the best returns on cards like the Freedom Unlimited or AmEx Everyday Preferred/SPG.
Thanks for responding, Gaurav. I have a Chase Sapphire (72,000 points) & Mileage Plus (43,000 points) and a few other cards. I’m planning a trip to New Zealand and Iceland in 2017 for myself and my husband. Would like to bump up my mileage for those trips.
Are you below the 5/24 limit for the Reserve? I’d certainly target that!
I’d make sure you each get Chase’s cards with Ultimate rewards as well as their United cards to increase your point balances, but like [USER=79]@Gaurav[/USER] said, start with the Reserve!
[QUOTE=”Gaurav, post: 22150, member: 79″]Are you below the 5/24 limit for the Reserve? I’d certainly target that![/QUOTE]
I’m not sure what you mean by 5/24 limit. Can you clarify?
Thanks a lot.
Also, I was thinking of getting two different credit cards since this hot tub will probably cost about $8000. And I could divide between the two cards. Any ideas about this?
[QUOTE=”David W, post: 22156, member: 29″]I’d make sure you each get Chase’s cards with Ultimate rewards as well as their United cards to increase your point balances, but like [USER=79]@Gaurav[/USER] said, start with the Reserve![/QUOTE]
Thanks for responding. I have the United Mileage Plus card…is that what you mean? I’m also thinking of getting 2 cards if Chase will let me to put this hot tub on. Any thoughts?
Really appreciate your posting your ideas.
5/24 is unique to Chase where if you’ve opened more than 5 credit cards in the last 24 months, they will not approve you for a majority their credit cards, should you apply. However, they do make exceptions for long time Chase Private Client customers if you speak to your banker.
If you have not opened more than 5 cards in the last 24 months, I’d highly recommend getting the Chase Sapphire Reserve card since that currently carries a 100k bonus after spending $4k. If youre married and your spouse doesnt have the card or the Chase Sapphire Preferred card, I would have them apply for it as well and split the spend so that you would each get a bonus. Otherwise, I’d recommend the 2nd card to be any one with a great bonus – maybe another United card since Chase has more than one of those.
That’s a great idea! Definitely I’ll get the Sapphire Reserve. I’m not over the 5 cards limit. And I’ll get my husband to apply, too. Thank you so much!
Yes, definitely the Reserve for both of you. The spend requirements will fit perfectly at $4000 each.