Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Sapphire plus Freedom Unlimited. Put the categories with the bonuses on Sapphire (restaurants, travel that counts, etc) and the rest on the FU for 1.5x on everything. You can transfer chase points freely between the two.

Does Chase let you transfer miles to a different person - we have the Chase Sapphire (got it recently). I'm the secondary card holder. If I get a Freedom and earn points on that, can I transfer it to the Sapphire Preferred?

Chase lets you transfer points to someone who shares your address, assuming they have a point-earning Chase card. You have to call them to set it up, but afterwards you can just transfer points to them and vice versa in the app.

You can move points freely across your own cards.

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Anonymous wrote:The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.

Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus. Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.

We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.

Do you manage to offset the $895 and $325 fees?

The Gold card is easy to offset with x4 multiplier on groceries, it's a reliable point earner.

The Plat is a bit of a stretch past the first year. You have to value the benefits to keep it, and it's okay if you don't. The only real earner there is flights with a x5 multiplier. I fund the United Travel Bank (now have to find something else), I take biannual staycation girl nights with my daughter at either Hyatt or Salamander in DC (the only hotels with indoor pools), I use Uber credits for monthly takeout, I use streaming credits, I use Walmart + for delivery. Use Lululemon for odd gifts.

You can dip your toes if you want by getting a Platinum in mid-December. Benefits reset every calendar year so you can triple dip and then cancel mid-January 13 months later.

But with the Gold Card, even if you spend $15,000 on groceries, wouldn’t you only net $275 after the annual fee vs $300 from using a no-fee Wells Fargo card with 2% cash back? Or do you value the Amex more highly than that?

$15k in groceries is 60k points, which is one roundtrip economy trip to Europe, at a minimum, and two round trips if you’re lucky. This beats cash back. But you have to value travel to see it this way.

Anonymous wrote:

Anonymous wrote:Sapphire plus Freedom Unlimited. Put the categories with the bonuses on Sapphire (restaurants, travel that counts, etc) and the rest on the FU for 1.5x on everything. You can transfer chase points freely between the two.

Does Chase let you transfer miles to a different person - we have the Chase Sapphire (got it recently). I'm the secondary card holder. If I get a Freedom and earn points on that, can I transfer it to the Sapphire Preferred?

Anonymous wrote:We have the CSR, CSP, 3 Chase Inks, and Chase Freedom.

I also have the Venture and VentureX.

I feel like if you want to get into the points game and get a lot of free travel, Chase is the way to go. If you just want lounge access and to get reimbursed for some travel, VentureX.

I'm canceling my VentureX this year because I got it only because they didn't limit authorized users and AUs got lounge access, and that was immediately changed after I got the card. We use the Chases all the time and I've learned that system pretty well, plus we go to a lot of Hyatts so the partner system works for us.

Anonymous wrote:Sapphire plus Freedom Unlimited. Put the categories with the bonuses on Sapphire (restaurants, travel that counts, etc) and the rest on the FU for 1.5x on everything. You can transfer chase points freely between the two.

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Anonymous wrote:The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.

Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus. Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.

We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.

Do you manage to offset the $895 and $325 fees?

The Gold card is easy to offset with x4 multiplier on groceries, it's a reliable point earner.

The Plat is a bit of a stretch past the first year. You have to value the benefits to keep it, and it's okay if you don't. The only real earner there is flights with a x5 multiplier. I fund the United Travel Bank (now have to find something else), I take biannual staycation girl nights with my daughter at either Hyatt or Salamander in DC (the only hotels with indoor pools), I use Uber credits for monthly takeout, I use streaming credits, I use Walmart + for delivery. Use Lululemon for odd gifts.

You can dip your toes if you want by getting a Platinum in mid-December. Benefits reset every calendar year so you can triple dip and then cancel mid-January 13 months later.

But with the Gold Card, even if you spend $15,000 on groceries, wouldn’t you only net $275 after the annual fee vs $300 from using a no-fee Wells Fargo card with 2% cash back? Or do you value the Amex more highly than that?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.

Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus. Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.

We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.

Do you manage to offset the $895 and $325 fees?

The Gold card is easy to offset with x4 multiplier on groceries, it's a reliable point earner.

The Plat is a bit of a stretch past the first year. You have to value the benefits to keep it, and it's okay if you don't. The only real earner there is flights with a x5 multiplier. I fund the United Travel Bank (now have to find something else), I take biannual staycation girl nights with my daughter at either Hyatt or Salamander in DC (the only hotels with indoor pools), I use Uber credits for monthly takeout, I use streaming credits, I use Walmart + for delivery. Use Lululemon for odd gifts.

You can dip your toes if you want by getting a Platinum in mid-December. Benefits reset every calendar year so you can triple dip and then cancel mid-January 13 months later.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.

Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus. Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.

We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.

Do you manage to offset the $895 and $325 fees?

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Anonymous wrote:For DC area, I think the Chase Sapphire Preferred is the best overall card in terms of ongoing value. With United and Southwest as exclusive transfer partners that gives you access to a ton of nonstops out of IAD and BWI, along with the other transfer partners that are more common with other cards.

The travel delay insurance and rental car coverage is excellent and easily worth the $95 annual fee.

I love the Capital One lounge at IAD and the Landing at DCA so I vote Capital One.

OP--as you can see, there is not a best card. It depends on how you travel and what benefits you're looking for.

Yes, the main reason for me to get these cards is for lounges. And I LOVE Capital One for the lounges. About the same as American Express for a much lower fee.

I believe you don’t get lounge access with Sapphire Preferred, only Reserve.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:For DC area, I think the Chase Sapphire Preferred is the best overall card in terms of ongoing value. With United and Southwest as exclusive transfer partners that gives you access to a ton of nonstops out of IAD and BWI, along with the other transfer partners that are more common with other cards.

The travel delay insurance and rental car coverage is excellent and easily worth the $95 annual fee.

I love the Capital One lounge at IAD and the Landing at DCA so I vote Capital One.

OP--as you can see, there is not a best card. It depends on how you travel and what benefits you're looking for.

Yes, the main reason for me to get these cards is for lounges. And I LOVE Capital One for the lounges. About the same as American Express for a much lower fee.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.

Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus. Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.

We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.

Do you manage to offset the $895 and $325 fees?

Anonymous wrote:

Anonymous wrote:I used to be all about the VentureX card, but after they started charging guests and family members for lounge access, it was no longer worth it.

For Chase, be careful, I am stuck with the Sapphire even though I want to get a United card because they will only let you open one at a time.

Can you share why you prefer the united card? I’m also considering opening a travel card.

Anonymous wrote:

Anonymous wrote:Does one American Express point have the same value as one Chase Sapphire point?

Yes, depending on which partner you value most.

Anonymous wrote:Does one American Express point have the same value as one Chase Sapphire point?