Reply to How many credit cards do you actively use?

Forum Index » Money and Finances

Reply to "How many credit cards do you actively use? "

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Chase Freedom Unlimited – everyday spending 
Chase Sapphire Reserve – dining out and general travel 
Chase IHG One Rewards Premier – IHG hotels
Chase United Club – most United airfare
Chase United Quest – occasional United airfare
Chase World of Hyatt – Hyatt hotels
Amex Hilton Honors Aspire – Hilton hotels 
USAA Signature – backup

We earn enough rewards to take 3-4 family vacations per year with all airfare and hotel costs covered by points and miles. Five nights on average for four people. We only fly first class and stay in premium suites at upper tier hotels like Waldorf Astoria, Park Hyatt, and Intercontinental. [/quote]

Why the Quest card AND the Club card? Quest brings no additive value and has a $250 annual fee. You get 3x for United bookings on it, but get 4x on the Club card[/quote]

I'm guessing they originally opened both to get two signup bonuses, but yes its weird they pay both annual fees every year. Although they are paying a ton of annual fees and given how much travel they do, they are probably big spenders who haven't even noticed the extra $250 each year. [/quote]

Good point. Although the hotel cards all have really good ongoing value with credits/free nights. And the CSR is really net $250 fee, and has industry leading travel/rental car insurance, along with restaurant priority Pass access and points transferrability, so it's fee is worth it for most, I think. In fact I don't think the United Club card is worth it for most people unless you are flying United more than say once/month. The additive value of their lounges just isn't worth $650.[/quote]

United clubs mostly suck, but DH flies United exclusively and 3-4 times per month for business so not having a club membership just seemed weird. Besides, the new ones in Denver and Newark are really nice. [/quote]

Yeah if you are flying that much, it's definitely worth it, but obviously that is an outlier in terms of frequency of travel. And I would downgrade the Quest card to the no annual fee United card if you want to maintain the credit history of the account.[/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics