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Hi - my credit is 745 Equifax, 750 TransU, 728 Experian.
I only have two Visa credit cards, both with limits under $2k. I have a small handful of store cards (Lowes, Macys, Nordies, etc.).
I would like to start using a credit card for things, and pay off in full (or close to full) monthly, in order to earn Airline points/miles. Any suggestions and/or insights? I've never had an airline-reward card before.
Thank you!
Could you provide a bit more information such as age of the cards you have, income, what you're spending money on, which airline (where are you planning on traveling) etc
Thank you, Remedios - history are all over 5 years. Income is about $165k/annual. Travel would be domestic, specifically Vegas, Hawaii, and instate (California). thanks again!
ETA: I spend money on household bills, car payment, gasoline, groceries, just usual day-to-day things. Also, spend money often ordering household items, clothes, etc., on Amazon.
Home airport(s)? Any preferred airlines?
I fly out of LAX or ONT, rarely SNA. I have Amex Schwab Platinum, Chase Sapphire Reserve, Amex Delta Platinum, and Barclays AA Aviator. I'm not especially loyal to any one airline, simply because I can usually fly to most destinations nonstop if I don't care about the airline.
Thank you - I almost always fly out of SFO...once in a while out of Oakland. I saw a good card for Southwest travel but I do think I need more flexibility. I like Virgin and Alaska best.
Thank you for your help!
@Anonymous wrote:Thank you - I almost always fly out of SFO...once in a while out of Oakland. I saw a good card for Southwest travel but I do think I need more flexibility. I like Virgin and Alaska best.
Thank you for your help!
Well, I'd skip Amex Platinum. That would be more for a Delta/United flyer out of SFO. Alaska and Southwest have decent cards with ~$100 AFs.
I suggest United card then since SFO is United major Hub.
Also determine roughly how much spend you would put on the card and how flexible your travel plans generally are. In most cases, the idea behind an airline card is to earn points in the reward program which can then turn into flights/upgrades etc. You need to make sure that you will earn enough (including bonus) and will be able to use the rewards you want given constraints.
And then compare whether say a general 2% cashback card would be more value! You have to take into account any perks of the airline card, such as free checked baggage for a group, and any companion ticket type stuff, making sure you can use those perks.