Trave rewards card

[GTT]

Huntington Voice has a 3% category for travel, does it beat other travel cards, e.g. CSP which have normally 2% rewards, if your expense does't exceed the cap every quarter? 

[enharu]

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@GTT wrote:

Huntington Voice has a 3% category for travel, does it beat other travel cards, e.g. CSP which have normally 2% rewards, if your expense does't exceed the cap every quarter? 

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depends on how you use UR points. If you can get 1.5ccp for each UR (which is very easily to do, fyi), then the CSP is essentially a 3% travel rewards card too.

You can get a lot more value for UR in general, but you have to use it the right way, and more importantly, it has to suit your schedule and lifestyle.

[GTT]

how to get 1.5% UR point and how is that CSP can make it 3%?

[enharu]

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@GTT wrote:

how to get 1.5% UR point and how is that CSP can make it 3%?

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if you transfer it to UA, Hyatt or SW, you can easily get >1.5ccp.

The easiest way to milk a high ccp value with UR is usually with Hyatt transfers.

For instance, if each UR is worth 1.5 cents to you, and you are getting 2% for retaurants / travel expenses, then the CSP is essentially a 3% card for restaurant and travel expenses, 1.5% base card.

If you are just using UR points for cashback or gift cards redemptions, then yea it's only worth 1%.

[Themanwhocan]

There is a Chase AARP card that gives 3% cash back on travel purchases. Just be aware that there are two versions of the Chase AARP card.

There are no earning caps.

[GTT]

So you're saying 2% is the base mile points, and if I transfer it to UA, it will be 2%  * 1.5 = 3%, plus 7% annual dividend and 10% bonus with chase checking account, then it will win 3%, right?

[enharu]

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@GTT wrote:

So you're saying 2% is the base mile points, and if I transfer it to UA, it will be 2%  * 1.5 = 3%, plus 7% annual dividend and 10% bonus with chase checking account, then it will win 3%, right?

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the CSP has a  7% annual dividend, but 10% bonus applies only to Chase Freedom. 

What I am saying is, if you can milk out 1.5 ccp for UR points, then you are tied at 3% (excluding the dividend since it's so insignificant). However, depending on how you use UR, you can milk it for more than just 1.5 ccp as well, especially if you are using it for international premium cabin UA redemption, or for high end Hyatt properties.

For instance, I am looking at a Hyatt redemption that costs on average 390.99USD / night, or 15,000 points. That'll give me 2.6ccp essentially.

[DigitalArk]

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@enharu wrote:

the CSP has a  7% annual dividend...

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Is it every year or just the very first year after account opening?

[longtimelurker]

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@DigitalArk wrote:

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@enharu wrote:

the CSP has a  7% annual dividend...

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Is it every year or just the very first year after account opening?

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As "annual dividend" suggests, it happens every year, as long as you have the card.

[GTT]

OK, got you. So 2% UR points is actually more valuable than 3% cashback.

yes, this 10% only apply for freedom, but it can be transferred to CSP and again get 7% dividend.