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Visa Signiture options

Valued Member

Visa Signiture options

So I'm thinking about leaving the garden and applying for a Visa Signiture card if I can find one that is worth it. I primarly use my CCs to book hotels and flights through work, for which I am reimbursed each month. I don't really go to restaurants that often, although I am a Starbucks addict. Anyway, I already have the Freedom and BCE cards for earning rewards on typical daily expenses and the AAdvantage (MC) for AA rewards. Any thoughts on what Visa Signiture card might be worth applying for next?



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
18 REPLIES
Established Contributor

Re: Visa Signiture options

this would depend on what airline you primarily fly for work, and plan to fly on for vacations. also would depend on what hotels you primarily stay at for work, and what hotels you are looking to stay at for vacations.

 

more specifics please.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Established Contributor

Re: Visa Signiture options

+1

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Regular Contributor

Re: Visa Signiture options

I think you answered your own question. I would app for a co-branded hotel card ... earn the rewards and get yourself a few bonus points :-)



FICO: EX 662 | EQ 670 | TU 681
Valued Member

Re: Visa Signiture options

You're right, kind of answered my own question. I fly VX quite often, but I don't think I'd be successful with Barclays. United is prob the second most frequent. Hotels are mixed, depending on pricing but usually a Westin, Sheraton, Hilton, or Marroitt.


Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
Moderator Emerita

Re: Visa Signiture options

Valued Contributor

Re: Visa Signiture options


09Lexie wrote:
Have you tried having your Freedom upgraded?

I was thinking the same thing.  If you just want a siggy card you can do that with the Freedom as long as your CL supports it. 

Regular Contributor

Re: Visa Signiture options

If you aren't usually a loyal flyer/hotel stayer, it might be good to get a flexible points earning card (e.g. CSP) or a fixed-value card (e.g. Barclays Arrival, Cap1 Venture)

The other thing that hasn't been mentioned is that if you tend to stay at nicer hotels for work, any card that is a Visa Signature will allow you to book through the Visa Signature Hotels Program. Here are the benefits:


Best available rate guarantee
Automatic room upgrade upon arrival, when available
Free in-room Internet
Complimentary continental breakfast
3PM check-out, when available
VIP Guest status
$25 food or beverage voucher

 

They offer chain options as well as boutique hotels, but the nice thing is that you don't have to worry about earning status at any one brand to get some nice perks.

EX: 758 (10/12), TU: ???, EQ: ???

BankAmericard Travel Rewards // Citi Forward // Amex Blue Cash Preferred // Gap Visa
Valued Member

Re: Visa Signiture options

Awesome, thanks for the info. Unfortunately, my Freedom only has a $2K CL (compared to $5K for my AA and $7.5K for my BCE), so not sure an upgrade is an option right now. Debating between CSP and Marriott Rewards Premier...thoughts?



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
Valued Member

Re: Visa Signiture options

Went for the CSP. Had to recon but got approved for $5K! Smiley Very Happy Back in the garden for the forseeable future since my CC goals (AmEx, Citi, and Chase cards + a Visa Siggy) are complete!



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future