topic Re: Which is a better SUB? in Credit Cards

Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 01:55:17 GMT

What’s a better SUB for the Citi AAdvantage Platinum Select

$200 credit + 40,000 miles with $2000 spent
Or
60,000 miles for $3000 Spent

Re: Which is a better SUB?

simplynoir — Tue, 02 Jul 2019 02:03:43 GMT

@Anonymous wrote:
What’s a better SUB for the Citi AAdvantage Platinum Select

$200 credit + 40,000 miles with $2000 spent
Or
60,000 miles for $3000 Spent

This is dependent on how you redeem and value AA miles. Basically, do you value 20k miles or $200 more? Answer that and you go from there. The spend on the 60k SUB is $1k more but I find that negligible compared to getting a SUB if it will not be an issue. If it will be then the first one is more ideal.

Re: Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 02:32:24 GMT

I tend to look at a SUB being worthwhile at 10% of the MSR.

So, for me to spend $3K then I want $300+ back.

Re: Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 02:44:35 GMT

What’s the link for the sub with the $200 credit? That one is better.

Re: Which is a better SUB?

simplynoir — Tue, 02 Jul 2019 02:50:06 GMT

Thinking about it I forgot while not as reliable as it was before you can call/SM Citi and see if they can match you to 60k miles if you get the 40k + $200 SUB offer after approval.

Re: Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 03:29:18 GMT

60k miles is definitely better. When Citi was point matching you could basically get 60k and $200 back. But that is dead.

You can get a round trip to Europe in Summer for 60k. I used 180k of AA miles to get 3 round trip tickets to Amsterdam this summer. With cash I would have spent $3300.

Re: Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 03:31:12 GMT

Solway: It appeared on the check out screen on the AA app

Thanks everyone for the reply. I actually received the 60k offer but I wasn’t sure which one was the best.

Re: Which is a better SUB?

MrDisco99 — Tue, 02 Jul 2019 16:33:30 GMT

If it were me, I'd go with 60K miles vs. 40K + $200. 20K miles > $200.

Yeah the minimum spend is higher, but unless you have another SUB lined up right behind it, the opportunity cost of the extra $1K spend is probably not as much as the difference between $200 and 20K miles.

Re: Which is a better SUB?

Anonymous — Tue, 02 Jul 2019 17:18:10 GMT

@MrDisco99 wrote:
If it were me, I'd go with 60K miles vs. 40K + $200. 20K miles > $200.

Yeah the minimum spend is higher, but unless you have another SUB lined up right behind it, the opportunity cost of the extra $1K spend is probably not as much as the difference between $200 and 20K miles.

Yes, and without another sub the additional $1K would earn say $20 on a 2% card but also earns an extra 1000 miles on the card, so I guess the equation is 21K miles vs $220

Re: Which is a better SUB?

NRB525 — Wed, 03 Jul 2019 14:17:56 GMT

60,000 miles is the better offer.
When you decide to get into miles / points ( REAL miles, not CapOne or Discover Fake Miles ) then you always need more miles / points in each program. Stepping to cash back distracts from the attainment of miles / points. Frogmans example is spot on.