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Help me choosing credit card!

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JasonKR
Regular Contributor

Help me choosing credit card!

Hello guys, I'm thinking about to apply for another credit card for upcoming summer trip to Asia Smiley LOL

Most of the time I'm going to use Amex Plat and CSP.

 

I'm thinking about..

1) Amex, Citi Hilton (no annual fee) - after Hilton devaluation heard its not that worth it.

2) Citi Dividend Platinum ($100 back after $500)

3) BankAmericard Cash Rewards ($100 back after $500)

4) Capital One VentureOne Rewards (20,000 miles back after $2,000)

5) BankAmericard Travel Rewards (10,000 miles back after $500)

6) Chase Chase Sapphire (10,000 UR after $500 + 2,500 UR after adding AU)

7) Citi ThankYou Preferred (20,000 TY after $1,500)

8) Barclaycard Arrival (20,000 miles back after $1,000)

 

probably going to apply 2 cards or so, what do you think? which one should I apply first?

 

~~~~~~~~~~~~~~~

I currently have

BoA Better Balance Reward (using less than $5 per month)

Discover It for Student (rarely use it)

Capital One QuickSilver (rarely use it)

Citi Forward for Student (rarely use it)

Amex Platinum + BCE + Delta Gold (about to cancel later this year)

Chase Freedom + Amazon Rewards(rarely use it) + Sapphire Preferred (main card) + IHG + Hyatt

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Message 1 of 8
7 REPLIES 7
yudeology101
Senior Contributor

Re: Help me choosing credit card!


@JasonKR wrote:

Hello guys, I'm thinking about to apply for another credit card for upcoming summer trip to Asia Smiley LOL

Most of the time I'm going to use Amex Plat and CSP.

 

I'm thinking about..

1) Amex, Citi Hilton (no annual fee) - after Hilton devaluation heard its not that worth it.

2) Citi Dividend Platinum ($100 back after $500)

3) BankAmericard Cash Rewards ($100 back after $500)

4) Capital One VentureOne Rewards (20,000 miles back after $2,000)

5) BankAmericard Travel Rewards (10,000 miles back after $500)

6) Chase Chase Sapphire (10,000 UR after $500 + 2,500 UR after adding AU)

7) Citi ThankYou Preferred (20,000 TY after $1,500)

8) Barclaycard Arrival (20,000 miles back after $1,000)

 

probably going to apply 2 cards or so, what do you think?

 

~~~~~~~~~~~~~~~

I currently have

BoA Better Balance Reward (using less than $5 per month)

Discover It for Student (rarely use it)

Capital One QuickSilver (rarely use it)

Citi Forward for Student (rarely use it)

Amex Platinum + BCE + Delta Gold (about to cancel later this year)

Chase Freedom + Amazon Rewards(rarely use it) + Sapphire Preferred (main card) + IHG + Hyatt


Assuming that you're looking for the no AF version?  I would also consider Chase Hyatt, 2 free nights at any Hyatt properties world wide after min. spending requirements are met. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 2 of 8
Creditaddict
Legendary Contributor

Re: Help me choosing credit card!

What about the Executive 100k bonus AA card since you are going to Asia?

I would see about PC from quicksilver to Venture if you want that vs applying.

I heard the same about Hilton so would skip

I don't like any of the plan citi cards because the point redemption after bonus is no good

you already have 1 BofA you don't really use, why add another you don't use

I think you might be tapped on Chase or hunting for a whole profile review and lock out of all your cards if you add what a 5th?

 

Barclay would probably be your best add out of your list.

Message 3 of 8
JasonKR
Regular Contributor

Re: Help me choosing credit card!


@yudeology101 wrote:

@JasonKR wrote:

Hello guys, I'm thinking about to apply for another credit card for upcoming summer trip to Asia Smiley LOL

Most of the time I'm going to use Amex Plat and CSP.

 

I'm thinking about..

1) Amex, Citi Hilton (no annual fee) - after Hilton devaluation heard its not that worth it.

2) Citi Dividend Platinum ($100 back after $500)

3) BankAmericard Cash Rewards ($100 back after $500)

4) Capital One VentureOne Rewards (20,000 miles back after $2,000)

5) BankAmericard Travel Rewards (10,000 miles back after $500)

6) Chase Chase Sapphire (10,000 UR after $500 + 2,500 UR after adding AU)

7) Citi ThankYou Preferred (20,000 TY after $1,500)

8) Barclaycard Arrival (20,000 miles back after $1,000)

 

probably going to apply 2 cards or so, what do you think?

 

~~~~~~~~~~~~~~~

I currently have

BoA Better Balance Reward (using less than $5 per month)

Discover It for Student (rarely use it)

Capital One QuickSilver (rarely use it)

Citi Forward for Student (rarely use it)

Amex Platinum + BCE + Delta Gold (about to cancel later this year)

Chase Freedom + Amazon Rewards(rarely use it) + Sapphire Preferred (main card) + IHG + Hyatt


Assuming that you're looking for the no AF version?  I would also consider Chase Hyatt, 2 free nights at any Hyatt properties world wide after min. spending requirements are met. 


mmhmm! lol I can't handle more AF version unless there's great deal.

I already got Hyatt card, received awards too!

 

come on! read it all the way! Smiley Sad

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Message 4 of 8
yudeology101
Senior Contributor

Re: Help me choosing credit card!

Sorry about that, Jason. Problem w/ me lately is that i'm not reading the posts all the way lol.....My ADHD kicks in half way through the posts Smiley Wink

 

Why don't you go for the Arrival AF version and cancel the card before the year is up?  I also have ton of AFs coming up this year, def. gotta do some cleaning soon.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 5 of 8
JasonKR
Regular Contributor

Re: Help me choosing credit card!


@Creditaddict wrote:

What about the Executive 100k bonus AA card since you are going to Asia?

I would see about PC from quicksilver to Venture if you want that vs applying.

I heard the same about Hilton so would skip

I don't like any of the plan citi cards because the point redemption after bonus is no good

you already have 1 BofA you don't really use, why add another you don't use

I think you might be tapped on Chase or hunting for a whole profile review and lock out of all your cards if you add what a 5th?

 

Barclay would probably be your best add out of your list.


I can MF $6,000 MAX in 3 months, there's no way I can get signup bonus

I already bought Delta certificate w/ Amex Plat too, soo.. no to that card

 

PC into Venture would not get me signup bonus.

For Chase, I will hold it off, or close Amazon reward before applying another one

 

I'm just trying to get sign-up bonus, that's all Smiley Tongue

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Message 6 of 8
JasonKR
Regular Contributor

Re: Help me choosing credit card!


@yudeology101 wrote:

Sorry about that, Jason. Problem w/ me lately is that i'm not reading the posts all the way lol.....My ADHD kicks in half way through the posts Smiley Wink

 

Why don't you go for the Arrival AF version and cancel the card before the year is up?  I also have ton of AFs coming up this year, def. gotta do some cleaning soon.


It's okay, I was just messing with you Smiley Happy Heart

40,000 vs 20,000 miles... ahhhh!

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
Message 7 of 8
Creditaddict
Legendary Contributor

Re: Help me choosing credit card!

then get arrival and venture.

Message 8 of 8
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