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[quote=Anonymous]This is what makes sense for us. We fly on United and so using the Mileage and Sapphire cards enables us to consolidate points. There is initial work involved. We like United due to destinations, availability of award flights, cancellability of award flights, and excursionisr fares.

DH and I both applied for United Mileage cards for the sign up bonuses of 100,000 combined plus 10,000 points for me referring DH. After meeting the required $3,000 spend in first 3 months, both cards were parked in a drawer and only used if we booked United flights. I will probably downgrade my card before the $95 fee which becomes payable in second year comes up. I will also probably cancel them after two years so we can apply again and get new sign up bonuses.

We both got Sapphire cards for the sign up bonuses - 60,000 each plus a 10,000 (?) referral fee for me - and to use for certain expenses. I think there was a minimum $4,000 spend in first 3 months. We mostly transfer points to United when we want to book reward flights but I have also gotten very good hotel deals in the US through the Chase travel centre which are made even better by their 1.2x spending power. Mostly I avoid the travel centre for booking flights due to a bad experience when a flight changed. Best to book directly with the airline.

We use the Sapphire cards for any travel or restaurant expenditure. You can only reapply every 4 years. I will probably cancel either mine or DH’s since they do not charge for an additional cardholder (ie we can both use same card ). That would avoid paying the annual fee on one of the cards.

For all other spending on credit cards I use Amex Blue cash Preferred (6x cash back on up to $6000 groceries and streaming services minus $95 fee); Chase Amazon (5% off at Amazon and WF) and Wells Fargo 2% cashback. I got cash sign up bonuses for the Amex and WF cards.   [/quote]

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