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Who do I need a relationship with?

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NRB525
Super Contributor

Re: Who do I need a relationship with?


@Anonymous wrote:

@Anonymous wrote:
So the chase Marriott card gets 2x points at outback, melting pot, everywhere? And I use the points only for hotels?

And you get a complimentary Cat 1-5 stay yearly.


The Marriott initial Free Night is for Cat 1-5. The subsequent annual Free Night is Cat 1-4.

Yes, the Marriott and Hyatt cards get 1 point standard, 2 points for dining out. Those points would go toward the hotel plan.

 

The other to seriously consider is the Club Carlson from US Bank. That has Radisson and other hotels, and figuring up the earnings potential of the points, I think Club Carlson has a better overall points earning capability. For example, if you pay for a stay using the card, the combination of plain points and CC points works out to about a 20% return. With Club Carlson, if you have enough points to cover two nights, the second night is free, so you end up only using one night of points for two nights.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 31 of 37
Anonymous
Not applicable

Re: Who do I need a relationship with?


@NRB525 wrote:

@Anonymous wrote:

@Anonymous wrote:
So the chase Marriott card gets 2x points at outback, melting pot, everywhere? And I use the points only for hotels?

And you get a complimentary Cat 1-5 stay yearly.


The Marriott initial Free Night is for Cat 1-5. The subsequent annual Free Night is Cat 1-4.

Yes, the Marriott and Hyatt cards get 1 point standard, 2 points for dining out. Those points would go toward the hotel plan.

 

The other to seriously consider is the Club Carlson from US Bank. That has Radisson and other hotels, and figuring up the earnings potential of the points, I think Club Carlson has a better overall points earning capability. For example, if you pay for a stay using the card, the combination of plain points and CC points works out to about a 20% return. With Club Carlson, if you have enough points to cover two nights, the second night is free, so you end up only using one night of points for two nights.


Wrong.

 

"

ANNUAL FREE NIGHT STAY*

After your account opening, receive a free night stay at a category 1-4 hotel. You'll also receive a free night stay in a category 1-5 hotel each year after your account anniversary.  "

 

Directly from the site.

Message 32 of 37
Anonymous
Not applicable

Re: Who do I need a relationship with?

Blah. Idk. I looked at discover it and saw it has 5% back coming up in movies and dinning. Why can't it be all year Smiley Sad
Message 33 of 37
NRB525
Super Contributor

Re: Who do I need a relationship with?

So it is, Marriott Category 1-4 initial, Category 1-5 annual after that.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 34 of 37
Anonymous
Not applicable

Re: Who do I need a relationship with?

Credit unions like navy , Penfed , NASA .
Message 35 of 37
takeshi74
Senior Contributor

Re: Who do I need a relationship with?


@Anonymous wrote:

 

Is CSP a good one to get? I see a lot a lot of ppl have it. Or any other card to get my foot in the door while I can? I wish I would of joined AMEX sooner cause I love their CLI program. 

 

Basically asking what card/company should I add to my mix if I'm missing one. Ideas?


You need to answer such questions for yourself.  "Good" isn't determined by the creditor or the product.  It's determined by what suits you best.  What are you looking for?

Message 36 of 37
Anonymous
Not applicable

Re: Who do I need a relationship with?

Just wanting the best CLI possibilities and opportunity to grow with a credit company lol
Message 37 of 37
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