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@jsucool76 wrote:
@itpromike wrote:
@jsucool76 wrote:Chase is really the king of metal cards right now, but if you have no use for it other than it being metal, then go for the marriott card as it at least gives you a free annual night at a category 1-5 hotel (category 1-4 the first year, but annual fee is waived). It will also give you between 50k-70k points depending on how you play your cards.
Be aware, 99% of chase's metal cards are really metal CORE cards, not a piece of metal. They're slightly heavier than a standard plastic card, but feel just like a standard plastic card, including the flexibility.
These Include:
Chase Sapphire Preferred
Marriott Premier
And one of the united cards. Maybe the united club card? I'm not sure.
Chase's TRUE metal cards are just the ritz carlton card and the palladium card.
Other premium cards that offer benefits but AREN'T metal include the amex platinum, and the citi prestige card. The amex premier rewards gold will also soon be changing it's benefits/rewards, and will become a bit of a better contender.
The chase hyatt card ISN'T metal, but it usually has a great signup bonus of two free nights at ANY hotel anywhere in the world, and also offers a free annual night.
Interesting mate, thanks for the detailed reply. What are type of credit do you usually have to have for the Ritz or palladium cards? Also what's the usual AF? Any idea which agency they pull from?
All of chase's "premium" (visa signature only cards (CSP, Marriott, Ritz, United, all of those) require that you qualify for a minimum of a 5k credit limit. You can recon for all of them if denied, chase is pretty good about recons (provided your credit isn't in the crapper) however, the ritz card is on the JPM side of the bank, and I've heard their recons are a little tougher. The palladium card requires a private banker to submit the application for you. need dat $$
Chase pulls EX 100% of the time for me here in florida. They've been known to double pull EX + EQ
just as an data point they double pulled ex+tu for me on my CSP app.
Also i am not the biggest fan of the palladium or those type of cards. The rewards structure don't quite make up for the money you have to have with chase. all that money with chase that gets you less than .05% in interest is pretty meh to me :-)
@mongstradamus wrote:
@jsucool76 wrote:
@itpromike wrote:
@jsucool76 wrote:Chase is really the king of metal cards right now, but if you have no use for it other than it being metal, then go for the marriott card as it at least gives you a free annual night at a category 1-5 hotel (category 1-4 the first year, but annual fee is waived). It will also give you between 50k-70k points depending on how you play your cards.
Be aware, 99% of chase's metal cards are really metal CORE cards, not a piece of metal. They're slightly heavier than a standard plastic card, but feel just like a standard plastic card, including the flexibility.
These Include:
Chase Sapphire Preferred
Marriott Premier
And one of the united cards. Maybe the united club card? I'm not sure.
Chase's TRUE metal cards are just the ritz carlton card and the palladium card.
Other premium cards that offer benefits but AREN'T metal include the amex platinum, and the citi prestige card. The amex premier rewards gold will also soon be changing it's benefits/rewards, and will become a bit of a better contender.
The chase hyatt card ISN'T metal, but it usually has a great signup bonus of two free nights at ANY hotel anywhere in the world, and also offers a free annual night.
Interesting mate, thanks for the detailed reply. What are type of credit do you usually have to have for the Ritz or palladium cards? Also what's the usual AF? Any idea which agency they pull from?
All of chase's "premium" (visa signature only cards (CSP, Marriott, Ritz, United, all of those) require that you qualify for a minimum of a 5k credit limit. You can recon for all of them if denied, chase is pretty good about recons (provided your credit isn't in the crapper) however, the ritz card is on the JPM side of the bank, and I've heard their recons are a little tougher. The palladium card requires a private banker to submit the application for you. need dat $$
Chase pulls EX 100% of the time for me here in florida. They've been known to double pull EX + EQ
just as an data point they double pulled ex+tu for me on my CSP app.
Also i am not the biggest fan of the palladium or those type of cards. The rewards structure don't quite make up for the money you have to have with chase. all that money with chase that gets you less than .05% in interest is pretty meh to me :-)
Oh I agree. I would never got for Pd card. But this thread seems to be more about the "how can i look cool" as opposed to "which card can get me the most rewards or benefits"
Oh I agree. I would never got for Pd card. But this thread seems to be more about the "how can i look cool" as opposed to "which card can get me the most rewards or benefits"
Well honestly this isn't a "how can I look cool" inquiry; that's why one of my initial questions was "Are black type cards worth it". I've heard they have pretty nice perks, but if the card is black, metal, and looks cool but the perks/rewards are utter crap then I definitely wouldn't waste my credit on that. What I'm gathering is the chase cards are the best bet for a black/metal type card but none of the black cards are really all that special (aside from being more "exclusive") when it comes to rewards.
@Anonymous wrote:You'd probably be able to get the Barclays Visa Black card pretty easily if you think the rewards system is worth it to you.
Most of the rest of the black cards a lot of people think of when talking about black cards are by invitation only (centurion, discover +, etc).
Course, you could always go open a Cap One card and use the custom card tool to make yourself a black card (heh).
Edited to add: after reading the other comments I realized I forgot the Marriott card. If you travel AT ALL this is a pretty solid asthetically black card to have. But my initial comment stands because I don't really know what you're wanting when you're asking about "black cards" (if you're talking about the more exclusive looking ones or just an asthetically black card).
Which I did.
@TheGardner wrote:
Ritz could be essentially free if used correctly aswell
^^
Same with citi prestige. Between the $250 airline credit (which can be used directly for a ticket purchase) and the 4th night free, prestige can put you in the green.
@jsucool76 wrote:
@TheGardner wrote:
Ritz could be essentially free if used correctly aswell^^
Same with citi prestige. Between the $250 airline credit (which can be used directly for a ticket purchase) and the 4th night free, prestige can put you in the green.
+10000 to this also. My ritz card practically paid for itself..
The Best Cards IMHO, some of which are black and some of which should be:
The Total Rewards Visa Signature - racks up serious points and Platinum Status which works at the Caeser's Casinos plus the Hyatt. You can spend points at Hyatt. They give high limits. It's an ugly orange and white plastic card. It should be a "black" card, and metal. Visa Siggy so it has concierge and all that stuff.
The Combo of Chase Freedom and Sapphire Preferred for Ultimate Rewards Points. What? And the CSP is metal and looks, well, blue but sort of impressive.
The Ritz Carlton and Marriott cards - a ridiculous amount of stays and benefits. Black metal. The Ritz is the nicest credit card I have ever seen, and I've seen a Centurion once. BTW, if you have a Ritz card you get a special line to Marriott reserversations that treats you right.
Any card with USAA - play it right and they will issue you three credit cards with chip and pin in black, with decent limits and will then triple your limits in six months. It's plastic but it feels like it should be metal sometime. It's black anyway.
I've got some other "cool" and not so "cool" cards. But these are truly the best.
@itpromike wrote:Are black type cards really worth it?
Worth is highly subjective no matter what the topic. We can't tell you what is or isn't worth it to you. You have to determine that. Instead of trying to justify a card or "type" of card, defines your needs/wants and select cards that fit that criteria. Look at the features and benefits. Run the numbers for your spend. You're bet equipped to determine what would work for you. If you need recommendations then you need to clarify all that. Give us as much as possible to work with.
@itpromike wrote:What's a good black card to get? Obviously this is subjective, so just give what you think and why.
If you know it's subjective then polling isn't the way to determine this. Again, use your needs/wants. Don't go about it backwards.
@itpromike wrote:I just really like black cards
Why? Again, clarify. If it's "prestige" then keep in mind that prestige doesn't come from a card.
You've received some good information here. There are essentially a few "black cards" out their. A couple of them are extremely hard to get. Usually involves hundreds of thousands in cc useage, after which, they may give you an offer for the card.