Re: Chase United Explorer Card opinion
04-28-2012 08:56 AM
If you're going to spend only on the two AA Citi cards, then I'd take the UA card.
Since you've already app'ed and taken the inquiry, you mind as well take the 50k points + $50 credit. In my view, the best deals are the ones without spending requirements.
When all the spending is done, you can always get the Freedom again later. The best return for rewards is spending on sign up bonuses, and never rewards categories. Even with a 10% rewards spending, it still pales in comparison to the return on 50k points/miles after meeting a modest spending requiremet of about $3K. To maximize rewards in this environment, go from sign up bonus to sign up bonus.
When the sign up bonuses are gone (which will be soon enough), then decided which cards to keep based on spending category rewards.