Questions and Answers

Hi Lucky

This is superb blog.. I read entire blog.. everything write you draws my attention..

I have a one question.. I love travelling and I live in states. I do make international trips twice in a year. So I want to know which travel card would be best ..Based on your website, I am thinking Chase Saphire and Citi Premier. My score is more than ~740 but not sure which one to go for it.. please need your suggestion. For sure I can’t go for Citi Prestige for their annual fees. I cannot make justice on my traveling 😛

[QUOTE=”Harish Gopu, post: 12416″]Hi Lucky

This is superb blog.. I read entire blog.. everything write you draws my attention..

I have a one question.. I love travelling and I live in states. I do make international trips twice in a year. So I want to know which travel card would be best ..Based on your website, I am thinking Chase Saphire and Citi Premier. My score is more than ~740 but not sure which one to go for it.. please need your suggestion. For sure I can’t go for Citi Prestige for their annual fees. I cannot make justice on my traveling :p[/QUOTE]
Welcome!!!

[S][SIZE=4]Both the Sapphire and Prestige have an annual fee. Both waive off the fee for the 1st year.
Coming to using the rewards from each card – Which alliance would you travel.
For me the points from sapphire are more valuable since I transfer to UA and book on Star Alliance.
The accrual rates are better on Prestige but the redemption options are more on Sapphire.
The best redemption partners for Prestige are Singapore and Air France programs. If you can find value for your uses, then Prestige is the winner.
If you are not going to transfer the rewards and book award tickets, then both cards present 1.25 cents value when used on travel. Then Prestige is the winner.
Honestly in this case, I would stick to a 2% cash back card.
If you know what to do with URs and if they seem compelling then I would go with Sapphire.
If you decide to apply for multiple cards, start with Sapphire.
IMO, it is all about knowing how to use your rewards and then applying for cards that get you there.[/SIZE][/S]
I completely overlooked the original question. I was interpreting Premier in the back of my mind and typing in as Prestige. Sincere apologies.

Prestige and Sapphire are entirely different class of products.

You apply for Prestige for the benefits of the card more than the accrual rates and bonus categories.
The annual fee is NOT waived. But the first year you get 2 X 250$ statement credits on airfare. So the first year you are good with the annual fee. You actually ‘make’ $50 and a ton of benefits.

Prestige entitles you to a ton of benefits. Explained here by lucky:
[URL]http://onemileatatime.boardingarea.com/2016/01/20/fourth-night-free-hotel/[/URL]

My argument about the points from Prestige still hold the same. The transfer partners should make sense for you. But with Prestige the points become 1.6 cents a piece when used on AA revenue tickets.

But the Sapphire is different in its own way and awesome as well.

You get category bonuses on travel and dining.
A better selection of transfer partners
Waived annual fee for the first year
Very good travel protection and rental car protection.

[I]Once again I apologize for the confusion caused and thank [USER=79]@Gaurav[/USER] for pointing this out.[/I]