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Which card to look to for 2014?

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revvystoke
Frequent Contributor

Which card to look to for 2014?

Trying to size up what I should app for in Jan. I have my sights set on a SPG, other then that I don't have anything else in mind. Seen lots of talk about the various animal cards but I think I want one that offers solid rewards. I have no balances and always pif, I only have one loan with a balance around 5k so no real debt. My income is <65k and likely to increase to 125k around app time. I have no desire for cash back cards.

 

Monthly spend is only 5-6k so I try to spread things out among the cards. I do alot of traveling for work and most I am reimbursed (airfare/hotel/car). I am unsure whether to keep the United and CSP with the recent devaluations and if I decide to switch out, what travel card or rewards program is considered second best after the CSP/United combo? I fly mainly Alaska Air but United was my second choice due to the ease of earning miles. From reading I have done I guess the obvious choice is to fall back on the Alaska Air card.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 1 of 7
6 REPLIES 6
juggalo9er
Valued Contributor

Re: Which card to look to for 2014?

something from chase, i mean anything. They religiously deny me so i am assuming this must be they must issue the "cards of the gods" or something to that effect.

Message 2 of 7
CardinalRules
New Contributor

Re: Which card to look to for 2014?

Definitely the SPG card, especially if you're traveling on Alaska. SPG points transfer 1:1.25 to Alaska if you transfer in increments of 20k, so you would earn more Alaska miles per dollar on the SPG cad.

AMEX SPG - $8k
Citi AA Visa - $6.5k
Walmart Discover - $5.5k
Citi Forward - $3.9k
Discover More - $2.5k
Wells Fargo Cash Back - $1.9k
Message 3 of 7
yudeology101
Senior Contributor

Re: Which card to look to for 2014?

I'm looking forward to AMEX Zync coming back, with some rumors going around.  If it does come back, i'm definitely gonna jump on it!

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 4 of 7
Luscher
Valued Contributor

Re: Which card to look to for 2014?

idk what card to get. But i know what job to get. 65k to 125k in under a year? yes please!
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 5 of 7
_jb_
Frequent Contributor

Re: Which card to look to for 2014?


@revvystoke wrote:

 

I am unsure whether to keep the United and CSP with the recent devaluations...


Can you elaborate? I haven't heard anything of the sort.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 6 of 7
yudeology101
Senior Contributor

Re: Which card to look to for 2014?


@_jb_ wrote:

@revvystoke wrote:

 

I am unsure whether to keep the United and CSP with the recent devaluations...


Can you elaborate? I haven't heard anything of the sort.


Refer to:

 

http://ficoforums.myfico.com/t5/Credit-Cards/devaluation-of-united-change-opinion-of-CSP/td-p/255785...

 

 

 

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 7 of 7
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