Noob question about airline and hotel cards and usage....

[irunfromcredit]

So thanks to everyone on here educating me about rewards cards and sign up bonuses, I picked up a couple airline and hotel cards late last year and earlier this year. I used them for the obvious, travel!  But as my travel winds down for a few months, I'm not using them as much, if at all for that matter. My question is, is it "bad" to sock drawer them until I need them for airline tickets and hotel stays?  My travel is for leisure and travel 3-4x a year.  I guess I'm not used to having several cards in the rotation.... Up until a year ago I had 2 credit cards.....  

[myjourney]

Depends on:

Do they have AF's most do? 

Will you profit from them after the AF is paid?

Do you have other cards that can circumvent needing those? 

Example CSP, Plat, PRG UR/MR points Prestige/Premier

[irunfromcredit]

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@myjourney wrote:

Depends on:

Do they have AF's most do?  Yes

Will you profit from them after the AF is paid? I like to think so.  For the hotels, the free night(s) stay and for the airline, the free checked luggage and priority boarding.

Do you have other cards that can circumvent needing those? 

Example CSP, Plat, PRG UR/MR points Prestige/Premier I have CSP and PRG..and those are my daily spend cards along with freedom and capital one QS

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[myjourney]

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@irunfromcredit wrote:

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@myjourney wrote:

Depends on:

Do they have AF's most do?  Yes

Will you profit from them after the AF is paid? I like to think so.  For the hotels, the free night(s) stay and for the airline, the free checked luggage and priority boarding.

Do you have other cards that can circumvent needing those? 

Example CSP, Plat, PRG UR/MR points Prestige/Premier I have CSP and PRG..and those are my daily spend cards along with freedom and capital one QS

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Based on that your UR/MR are transferable to alot of airlines and hotels and you need to weigh the cost for free bags

Like you I have my hotel card (Hyatt) which I plan to keep for the upgrages and free annual night but I don't need to make it a daily user per se cause I can top off my account with UR points ....See my meaning on what that card is worth to me? Annual night w/perks that's it

Some Airline CC can be topped off this way as well so then it comes down to how many bags I'm flying with and will I get over the AF 

[irunfromcredit]

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@myjourney wrote:

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@irunfromcredit wrote:

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@myjourney wrote:

Depends on:

Do they have AF's most do?  Yes

Will you profit from them after the AF is paid? I like to think so.  For the hotels, the free night(s) stay and for the airline, the free checked luggage and priority boarding.

Do you have other cards that can circumvent needing those? 

Example CSP, Plat, PRG UR/MR points Prestige/Premier I have CSP and PRG..and those are my daily spend cards along with freedom and capital one QS

---

---

Based on that your UR/MR are transferable to alot of airlines and hotels and you need to weigh the cost for free bags

Like you I have my hotel card (Hyatt) which I plan to keep for the upgrages and free annual night but I don't need to make it a daily user per se cause I can top off my account with UR points ....See my meaning on what that card is worth to me? Annual night w/perks that's it

Some Airline CC can be topped off this way as well so then it comes down to how many bags I'm flying with and will I get over the AF 

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Yes my thinking is along the same lines as yours. I use my daily spend cards to top off for my airline and hotel cards.  And for me the perks are worth the annual fee.  I guess I'm just trying to wrap my brain around the "credit card" game and best way managing cards.

[Anonymous]

mj, can you provide an example of how that works? Thank you