Combining AMEX Schwab Platinum and Everyday Preferred

[UpperNwGuy]

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@Anonymous wrote:

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But then again, $550 AF a year with $200 in fee credits, $200 in Uber credits, free Delta lounges, Priority Pass lounge access, hotel perks,  earning 5x on hotel and airline purchases, plus $1,250 transferred to your IRA to invest with 100,000 points isn't a bad deal. 

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It isn't a bad deal if you live in a Delta hub and ride Uber a lot.  For me, it would be a terrible deal, so I stick with Chase Sapphire Reserve.

As for the original question, using a standard 2% cash back card for most spending, collecting all the cash, and investing it at Schwab would beat the combo of Everyday Preferred plus Schwab Platinum.

[Anonymous]

I never really understood that argument. If you fly Delta, whether it's out of a small airport like Syracuse or Tulsa, you're going to end up having a layover at a hub regardless. We're not talking about Jet Blue lounges where the destinations are more limited. Delta flies to practically every airport in the U.S. When I look to book flights out of my small city airport, most of them end up in Atlanta (their main hub), and then I'lll fly from there to my destination. 

[UpperNwGuy]

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@Anonymous wrote:

I never really understood that argument. If you fly Delta, whether it's out of a small airport like Syracuse or Tulsa, you're going to end up having a layover at a hub regardless. We're not talking about Jet Blue lounges where the destinations are more limited. Delta flies to practically every airport in the U.S. When I look to book flights out of my small city airport, most of them end up in Atlanta (their main hub), and then I'lll fly from there to my destination. 

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I hate layovers.  They add 2-4 hours to the length of a trip, and they double the odds that something will go wrong.  So I always take nonstop flights to domestic destinations.  I am fortunate to live in a metro area that has United and Southwest hubs and a mini-hub for American.  No reason to ever fly Delta unless I want to go to Atlanta, Detroit, or Minneapolis -- but I have no reason to go to those cities.  For international, I fly United or one of the European carriers, as neither Delta nor American flies nonstop to Europe from here.

[Anonymous]

a military member that has annual fees waived....all these combos are perfect for..

[UpperNwGuy]

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@Anonymous wrote:

a military member that has annual fees waived....all these combos are perfect for..

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I completely agree!  I should have added military members to my earlier comment.  For them, the Platinum-without-fee is a great card.