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Airline MC or AMEX

Established Contributor

Airline MC or AMEX

Need one more card to add to my portfolio - either AMEX or MC (only have two CC right now, both Visa). Looking for cards with the best rewards... I'm based in Atlanta so Delta is the obvious choice, but they have an annual membership fee of $95!!! 

08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 1 of 17
16 REPLIES
Epic Contributor

Re: Airline MC or AMEX

If you traveled at least once a month the Platinum Amex would probably be worth the annual fee because of free bag and airport clubs and upgrades... otherwise probably not worth it.

Message 2 of 17
Established Member

Re: Airline MC or AMEX

Delta Skymiles by Amex is a great card. Since you live in Atlanta, this would be a great card. Amex normally pulls experian.  It is my favorite card!

Message 3 of 17
Regular Contributor

Re: Airline MC or AMEX


Creditaddict wrote:

If you traveled at least once a month the Platinum Amex would probably be worth the annual fee because of free bag and airport clubs and upgrades... otherwise probably not worth it.


+1

 

And if you DONT travel that often, but still occasionally, the Premier Rewards Gold is a fantastic card also. 3x points on airlines, 2x on gas and groceries, 1x on everything else. Pretty easy to rack up enough points to pay for the AF if you use it as a daily card.

 

Not to mention Amex's customer service.

Message 4 of 17
Established Member

Re: Airline MC or AMEX

I heartily recommend the Starwood Amex card which gives the most bang for your 45 buck annual fee (waived for 1st year). It's consistently voted the best card for travel rewards. For me, the best part is that they allow you to exchange your points for airline miles on a 1:1 basis, and we're talking many airlines. And when you transfer 20,000 points, they throw in another 5,000 into the trade. I just took advantage of that, and I got a real charge out of it! I'd cancel my 4 airline cards if it didn't mean losing a huge chunk of my available credit. I figure I'll put the saved points/miles Into whichever airline frequent flyer account I need to pad at the time.
Message 5 of 17
Established Contributor

Re: Airline MC or AMEX

 


Traveljunkie wrote:
I heartily recommend the Starwood Amex card which gives the most bang for your 45 buck annual fee (waived for 1st year). It's consistently voted the best card for travel rewards. For me, the best part is that they allow you to exchange your points for airline miles on a 1:1 basis, and we're talking many airlines. And when you transfer 20,000 points, they throw in another 5,000 into the trade. I just took advantage of that, and I got a real charge out of it! I'd cancel my 4 airline cards if it didn't mean losing a huge chunk of my available credit. I figure I'll put the saved points/miles Into whichever airline frequent flyer account I need to pad at the time.

The fee used to be 45. I believe its now 65 annually with first year waived for new accounts.

 

FICO: EX: 763 (12/16); TU: 786 (12/16); EQ 731 (12/16)
Amex Blue Cash Preferred | Amex SimplyCash Plus | Chase Amazon Prime VS | Chase Freedom VS | Discover IT | Penfed Power Cash Rewards VS | Sams Club MC | USAA Limitless Rewards PV
Message 6 of 17
Established Contributor

Re: Airline MC or AMEX

There are a couple of websites that post the latest CC bonus offers out there.  Citi was running two promos until recently for their American Airlines card.  75k bonus miles with a $1500 spend in 6 months (later up'd to $4000) and a 50k/50k bonus after you spent $750 in 3 months and then $10k in the first year on the card.  Continental and United (Chase cards) have 50k bonus mile promos out there too.  I'd google "travel forum" and check it out.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 7 of 17
Established Contributor

Re: Airline MC or AMEX

So I really don't want to pay an annual fee... I may end up just getting a card with no rewards and using it once a month to reflect usage... Right now I have

 

CU CC: $1000 CL

B of A CC: $2500 CL

REI CC: $8500 CL

 

All are Visa, so I really need something *different* and want to app sometime today before the inquiries hit... Citibank looks like they have some good MCs... 

08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 8 of 17
Established Contributor

Re: Airline MC or AMEX

Ugh - App'd for AMEX Blue Sky and didn't get approved!!! What a waste of an inquiry. 

 

Serious delinquency. 

Proportion of loan balances to loan amounts is too high. 

Length of time accounts have been established. 

Number of accounts with delinquency. 

 

Your consumer credit bureau score from Equifax is too low  (See below)

High utilization of credit lines or insufficient utilization information (Equifax) 

Amount of credit available on accounts (Equifax) 

Too many recent credit checks (Equifax) 

08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 9 of 17
Established Contributor

Re: Airline MC or AMEX

Sorry to hear that.  Do you have baddies on your CBR?  high utilization?

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 10 of 17