07-08-2012 09:20 AM
07-08-2012 10:02 AM
I'd use either one in place of debit cards, just for fraud liability.
As for maxing the rewards, just do some math on what's better for your normal purchases (gas, groceries, and entertainment being the big ones probably.) Someone more knowing than I about the details of these two cards can probably answer that as well.
07-08-2012 11:42 AM
07-08-2012 12:01 PM
07-08-2012 12:07 PM
I have the Zync card and I do not have the Chase sapphire, however I think I could make a few points that could help. First depending on what you will be using your points for, you should ramp up points on both cards evenly. If you redeem for travel mostly--use the Sapphire as your everyday card especially at the places you earn double points. If you use points for gift cards or other merchandise, then use the Zync primary and capitalize on the double points with the packs you have. Remember the packs on Zync are only good for $5000 worth of double points so once you spend that much in that category move on to the Sapphire. Second, you can use both to its limits and if you wish to redeem Zync points for travel you can upgrade to another card later that will turn your MRE points into full MR points which are very valuable especially in the travel arena. Good luck they are great card both!
07-09-2012 03:08 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.