Credit Cards Center Credit cards from our partners
Reply
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: CSP vs. TYPremier

[ Edited ]

I think there's one thing that everyone is missing.

You get 1 point as well for EACH mile you fly. Your spending has to match your flying.

So effectively, if you fly enough, it's at least a 2% everything card at the minimum, 3% for travel, 4% for dining and entertainment.

And free companion air ticket (domestic).

 

The Thank You Premier is a really good card if you can spend a lot, and fly a lot. 

If not, go with the CSP.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Super Contributor
Posts: 11,230
Registered: ‎04-22-2013
0

Re: CSP vs. TYPremier


enharu wrote:

I think there's one thing that everyone is missing.

You get 1 point as well for EACH mile you fly. Your spending has to match your flying.

So effectively, if you fly enough, it's at least a 2% everything card at the minimum, 3% for travel, 4% for dining and entertainment.

And free companion air ticket (domestic).

 

The Thank You Premier is a really good card if you can spend a lot, and fly a lot. 

If not, go with the CSP.

 


My reference to "flight miles" which is what Premier calls them was the reference to that!  

 

I think "Your spending has to match your flying" is perhaps the wrong way around.   More "Your flying has to be matched by your spending" for the flight points to become TYP, and the problem is that the spend has to be on the Premier, which currently doesn't have great rewards.

 

Is your 2,3,4% based on the possible new reward structure?  With the current rewards, this is often cited as 2.66% (because you can redeem 1 point = 1.33c)

Citi: Forward, AA Select Plat, Double Cash, Dividend. Chase: Amazon, Freedom, CSP. Cap One: 2 x QS. Penfed 2x Plat Rewards. US Bank: Cash Plus. Barclays: Arrival, SM. Amex: BC, BCE, ED. Nasa FCU. Ebates, FIA Fidelity Amex, Discover IT Miles.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: CSP vs. TYPremier

my calculations was based on the new reward structure. i did not factor in the 33% bonus when you redeem for travel, so that's an additional bonus. i forgot about that Smiley Surprised

for people who fly international routes often, these flight miles add up really quickly too

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.