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Answers (6)

Which Credit Card?

Which Credit Card?

  1. Woodrow

    My Grandma (in-law) is about to book a family cruise, probable totaling $30-40K. She will be booking a package deal through NCL and wants to know which credit card to use. Amex platinum or Chase Sapphire Preferred?

  2. Gaurav

    Well, the platinum doesn’t earn any bonus points on a direct booking for cruises AFAIK. CSP would get you 2x. I’d also look into getting the CSR, that extra point will add up AND you’ll get the sign up bonus. If you are allowed to split payments this is a great opportunity to get a few new cards and hit the sign up bonus requirements in one go.

  3. rickyw

    With that expensive of a trip, is she more concerned with earning rewards, or insurance?

    If she can’t get the Reserve as Guarav mentioned, the AMEX Platinum might be better compared to the regular Preferred.

    I’ve just found anecdotally that AMEX travel insurance is easier to deal with. But, you do sacrifice a lot of points….

  4. Woodrow

    It took a lot of convincing for me to get her on the CSP, so she won’t be signing up for any new cards (unfortunately). At this time it is just about points. Thanks for the feedback.

  5. jjmpdx

    [QUOTE=”Woodrow, post: 28686, member: 1994″]My Grandma (in-law) is about to book a family cruise, probable totaling $30-40K. She will be booking a package deal through NCL and wants to know which credit card to use. Amex platinum or Chase Sapphire Preferred?[/QUOTE]
    If the booking is charged directly to NCL (as opposed to a travel agent or other 3rd party) consider the NCL visa. It’s no-fee, so Grandma might be more open to applying vs the $450 CSR. She’d have $1,000+ in ship-board credit NCL for upgrades/excursions/ Drink packages, etc.
    If she thinks you should buy your own damned drinks, then the Chase points are easier to use, but Amex has better insurance. Remember that the Platinum is a charge card, not a credit card: Look into this if she’s not planning to pay it all off at the end of the month.
    Bon Voyage.

  6. Gaurav

    [QUOTE=”Woodrow, post: 28692, member: 1994″]It took a lot of convincing for me to get her on the CSP, so she won’t be signing up for any new cards (unfortunately). At this time it is just about points. Thanks for the feedback.[/QUOTE]
    If she is dead set against applying for another card, you could consider just upgrading the CSP to the CSR. Just call Chase and they should be able to help you. You’ll miss the sign-up bonus but with the extra point you’ll get am extra 30-40k points plus the $300 credit towards travel this year. I don’t know much of the NCL visa mentioned above but it might be worth looking into.

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