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My Gf is looking for the best card on the market. she will be using her card to pay all bills and then pay of credit card off before the due date.. she wants to travel this year, so she wants the best card out there. any info will help thanks.
Either the Chase Sapphire Preferred or the Citi Prestige. Don't let the annual fee on the prestige scare you, it comes with an annual $250 airline credit. Just compare those cards side by side and see what fits her needs best.
@Mattopotamus wrote:Either the Chase Sapphire Preferred or the Citi Prestige. Don't let the annual fee on the prestige scare you, it comes with an annual $250 airline credit. Just compare those cards side by side and see what fits her needs best.
Well, I would also take into account which airlines she flies (and/or hotels she stays in) to make sure that they are good transfer partners for those cards.
What's her monthly CC spend? Scores? What U.S. airline do you guys fly mostly? Will you be doing most travel in the states or overseas?
Credit scores and monthly spend with categories please, also inquiries would be helpful.
I would suggest anything Chase UR, Citi TYP, Citigold checking, Amex Prg/Delta combo (100k miles and $250 flying credit after 2k spend and 1 experian inquiry)
If we are talking someone who can spend 2-3 grand a month or more on a card, open a few cards. Get the bonuses.
Her transunion score is 755. she has 2 credit cards VS and Quicksilver. 1 inquiry and she spends around 200 a month using her CC but she always pays it off.. we are looking at traveling in the states for now. i told her if she does get a card to make sure to pay all bills including rent with the card and then pay off the card before the cut off date which she will.
@Anonymous wrote:Her transunion score is 755. she has 2 credit cards VS and Quicksilver. 1 inquiry and she spends around 200 a month using her CC but she always pays it off.. we are looking at traveling in the states for now. i told her if she does get a card to make sure to pay all bills including rent with the card and then pay off the card before the cut off date which she will.
well it would work to open some cards for bonuses.... SPG has a higher point value with lots of flexibility unlimited boingo wifi etc.... could pair that with a PRG for 50k MR points that transfer to delta. just remember to not spread yourself too thin.... never use a debit card unless you have to. reddit churning is a good place to look, also to figure out a points trip, thepointsguy is great, flyertalk, onemileatatime, etc..... many savvy users here post bonuses, but I like to mix with other sites, and use this one as more of a place for an approval checklist...chase cobranded cards seem to be pretty easy to get.... I'd say CSP+airline card, maybe pair that with an amex cc+charge card.
but truth be told post bonuses...it isnt going to make a ton of sense to always spend a percent fee to pay rent and stuff to earn miles and pay an annual fee..... How much can she spend a month on CC as described?
@Anonymous wrote:Her transunion score is 755. she has 2 credit cards VS and Quicksilver. 1 inquiry and she spends around 200 a month using her CC but she always pays it off.. we are looking at traveling in the states for now. i told her if she does get a card to make sure to pay all bills including rent with the card and then pay off the card before the cut off date which she will.
All good reward travel/airline cards carry an AF and at $200 a month spend no AF cashback cards are in her best interest at this point and even at $200 a month on those rewards will be very low yearly
@myjourney wrote:
@Anonymous wrote:Her transunion score is 755. she has 2 credit cards VS and Quicksilver. 1 inquiry and she spends around 200 a month using her CC but she always pays it off.. we are looking at traveling in the states for now. i told her if she does get a card to make sure to pay all bills including rent with the card and then pay off the card before the cut off date which she will.
All good reward travel/airline cards carry an AF and at $200 a month spend no AF cashback cards are in her best interest at this point and even at $200 a month on those rewards will be very low yearly
+1. She really doesn't spend enough to justify a card with an AF.
I'd suggest looking at a no AF cash back card, or a card that has ongoing benefits which will help offset the AF (free bags on Citi AA or United Explorer, Hyatt or IHG for free nights, etc.)
She'd need to spend at least $15,000 per year (or $1250 a month) to offset a card with an $100 AF, assuming each point/mile earnt is worth 2cpp (and that's a pretty generous valuation that only holds for SPG and UR). This is when compared against a 2% no AF cash back card.