topic Re: Best Amex Revolver, but... in Credit Cards

Best Amex Revolver, but...

Jayb5635 — Fri, 01 Nov 2013 21:37:23 GMT

I wonder what everyone's thoughts are on this, but excluding the Blue Cash Everyday/Preferred.

Re: Best Amex Revolver, but...

Anonymous — Fri, 01 Nov 2013 21:42:03 GMT

If you can spend 20k or more a year it's the SPG (thats what it takes to get one free domestic round trip ticket).

if you spend less than that but want to be able to BOGO economy tickets once a year on Delta, Delta Platinum wins!

Re: Best Amex Revolver, but...

B335is — Fri, 01 Nov 2013 21:43:36 GMT

@Anonymous wrote:
If you can spend 20k or more a year it's the SPG (thats what it takes to get one free domestic round trip ticket).

if you spend less than that but want to be able to BOGO economy tickets once a year on Delta, Delta Platinum wins!

Which revolver is best could be debated forever....it really depends what your priority is.

Re: Best Amex Revolver, but...

Jayb5635 — Fri, 01 Nov 2013 21:49:59 GMT

Oh yeah, I know it'll depend on the use case per person, just curious on everyone's perspective. I had the Blue Cash but it seemed unnecessary to me once my girlfriend acquired the Blue Cash Preferred. I switched it to the Blue Sky, yet wondering about my options for later on.

Re: Best Amex Revolver, but...

Jayb5635 — Fri, 01 Nov 2013 22:31:00 GMT

@ryanbush I definitely am not spending 20k in a year lol.

Re: Best Amex Revolver, but...

Alkalinem0n0 — Sat, 02 Nov 2013 00:48:02 GMT

I think it's all subjective for me the best revolver is the Delta Amex this is down to the pay with miles feature on Delta.com
I fly a lot ( I'm platinum with delta so I get double miles) I just flew to brazil last week using the pay with miles feature I will get $200 off my next flight

I guess the best way to look at it is to find a card with rewards that you will use! The delta amex perks are useless to people who don't fly delta!

Re: Best Amex Revolver, but...

jsickz32 — Sat, 02 Nov 2013 00:51:15 GMT

SPG and TrueEarnings

/thread

Re: Best Amex Revolver, but...

negg — Sat, 02 Nov 2013 01:05:57 GMT

Delta Amex. In 4 months I've managed to accumulate 82k in miles since I signed up.

Re: Best Amex Revolver, but...

Jayb5635 — Sat, 02 Nov 2013 01:07:34 GMT

@jsckz32 but doesn't spg earn 1 point per dollar only ???

Re: Best Amex Revolver, but...

Anonymous — Sat, 02 Nov 2013 14:15:15 GMT

Hilton HHonors cause it has no AF but is not the BCE.

Starwoods Preferred Guest if don't mind AF.

/thread

Re: Best Amex Revolver, but...

jsickz32 — Sat, 02 Nov 2013 01:18:19 GMT

@Jayb5635 wrote:
@jsckz32 but doesn't spg earn 1 point per dollar only ???

Yes but the points are worth more. At least for me they are.

Re: Best Amex Revolver, but...

Jayb5635 — Sat, 02 Nov 2013 02:16:01 GMT

That's good if the spg points are valuable. It'd be awesome if you could earn double points on it somehow.

Re: Best Amex Revolver, but...

Anonymous — Sat, 02 Nov 2013 02:18:11 GMT

@Alkalinem0n0 wrote:
I think it's all subjective for me the best revolver is the Delta Amex this is down to the pay with miles feature on Delta.com
I fly a lot ( I'm platinum with delta so I get double miles) I just flew to brazil last week using the pay with miles feature I will get $200 off my next flight

I guess the best way to look at it is to find a card with rewards that you will use! The delta amex perks are useless to people who don't fly delta!

Typically the PWMs limits you to .01 / per miles of value from your miles... you should be able to get at least 1.25-1.75 if you redeem for upgrades or award tickets.

Re: Best Amex Revolver, but...

Anonymous — Sat, 02 Nov 2013 02:20:50 GMT

@Jayb5635 wrote:
That's good if the spg points are valuable. It'd be awesome if you could earn double points on it somehow.

The fact that they are hard to earn is what keeps them valuable. As my high school economics teach loved to say, it's all about scarcity.

Re: Best Amex Revolver, but...

Jayb5635 — Sat, 02 Nov 2013 02:22:41 GMT

@navyox absolutely. There's also the 65 dollar annual fee to consider.

Re: Best Amex Revolver, but...

Anonymous — Sat, 02 Nov 2013 02:28:56 GMT

@Jayb5635 wrote:
@Anonymous absolutely. There's also the 65 dollar annual fee to consider.

Which is lower than most rewards cards of any value, for ex.

CSP - $95

Delta - Gold $95, Platinum $150

Citi AA - $95

and the AMEX Charge cards start out at 95$

for the money the SPG card is going to most likely be the best value for the majority of the people out there.

Re: Best Amex Revolver, but...

too-much-time — Sat, 02 Nov 2013 02:35:31 GMT

@Anonymous wrote:

Typically the PWMs limits you to .01 / per miles of value from your miles... you should be able to get at least 1.25-1.75 if you redeem for upgrades or award tickets.

I'm sorry. That went right over my head. Would you mind elaborating?

Re: Best Amex Revolver, but...

Anonymous — Sat, 02 Nov 2013 03:08:51 GMT

Yes, for example if you were to fly from TUL to EWR on 12/08/13 and return on 12/12/13 (just random dates and cities) the cost of the ticket would be $546 or 25k miles

so if you use the 25k miles for a credit with PWMs you would get $250 dollars off the cost of the ticket for a straight redemption value of .01

now if you were to book the award ticket you would pay only the $10 in taxes and get a value of 536 / 25000 = .0214 for your points.

so by booking the award ticket you would over double the value of your points, now i'm not saying this is always the case but If i can't get 1.5 - 2.0 cents per mile/points I'm paying cash and using my miles/points some other time as I might as well have just used my Quicksilver card and got the straight 1.5% CB

Re: Best Amex Revolver, but...

DigitalArk — Sat, 02 Nov 2013 18:06:23 GMT

It is really subjective. It depends on your life style and pick the one fits you the best. For me, I am a regular Costco shopper, so the TrueEarnings is the best.