@GoodCredBen wrote:
Well, i would put through about 3k/mo on the card, and i dont mind the AF, i just dont want one that is like 450$ or some crazy stuff
Also, are my scores even in the right spot to get an amex like that? lol
With that amount it would seem that the Fidelity Amex would still be your best best. With 2% back you get $720 in cash a year on your $3k/mo spend.
You need over $40k a year in purchases to break even on the Arrival+ (which gives 2.22% back on every thing but has an $89 annual fee) vs the Fidelity Amex. The CSP gives 2 UR/$ on travel and restaurants and 1 UR/$ on every thing else - and assuming that $200/mo of your $3k/mo spend is restaurants/travel would equal 38,400 UR. If we value URs at $0.02/UR, which is doable but isn't the same as cash back, that gives you $768 in travel. Take out the $95 annual fee and that is only $673 in travel.
