What card do u use the most !!??

[celluloid17]

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@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

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Which ones? 

[r3buildit]

Capital One Platinum

[grinlikechelsea]

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@celluloid17 wrote:

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@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

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Which ones? 

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Okay here's the rundown.

I just PC'ed my BCP into a SPG because I will benefit from that more than having something that my Sallie Mae essentially does. Plus Starwood properties are awesome and the points transfer well. I sockdrawered my Huntington card (not sure if I will cancel it; probably not because it pads my util) because I really don't have too much of a use for it anymore and Huntington has consistently been massively unhelpful for CS. I'm thinking about dumping the Venture later sometime since my Merrill+ is essentially a 2% travel card if you redeem the ML points correctly, so it is redundant. Everything else is okay for now.

[celluloid17]

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@grinlikechelsea wrote:

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@celluloid17 wrote:

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@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

---

Which ones? 

---

Okay here's the rundown.

I just PC'ed my BCP into a SPG because I will benefit from that more than having something that my Sallie Mae essentially does. Plus Starwood properties are awesome and the points transfer well. I sockdrawered my Huntington card (not sure if I will cancel it; probably not because it pads my util) because I really don't have too much of a use for it anymore and Huntington has consistently been massively unhelpful for CS. I'm thinking about dumping the Venture later sometime since my Merrill+ is essentially a 2% travel card if you redeem the ML points correctly, so it is redundant. Everything else is okay for now.

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Very interesting!  I think you have great cards and PCing BCP to SPG seems like a really good idea.  I agree that Starwood properties are usually ace.  Sorry to hear that about Huntington Voice, it seems like an attractive card given the broad 3% categories, but bad CS is the pits.  How does a Merrill + operate as a 2% travel card?  

[grinlikechelsea]

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@celluloid17 wrote:

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@grinlikechelsea wrote:

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@celluloid17 wrote:

---

@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

---

Which ones? 

---

Okay here's the rundown.

I just PC'ed my BCP into a SPG because I will benefit from that more than having something that my Sallie Mae essentially does. Plus Starwood properties are awesome and the points transfer well. I sockdrawered my Huntington card (not sure if I will cancel it; probably not because it pads my util) because I really don't have too much of a use for it anymore and Huntington has consistently been massively unhelpful for CS. I'm thinking about dumping the Venture later sometime since my Merrill+ is essentially a 2% travel card if you redeem the ML points correctly, so it is redundant. Everything else is okay for now.

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Very interesting!  I think you have great cards and PCing BCP to SPG seems like a really good idea.  I agree that Starwood properties are usually ace.  Sorry to hear that about Huntington Voice, it seems like an attractive card given the broad 3% categories, but bad CS is the pits.  How does a Merrill + operate as a 2% travel card?  

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Yeah, the Voice is a good rewards card, but it just has been a struggle to even use it normally.

As for the Merill+ it is all about how you redeem the ML points for flights on their "preferred airlines." Here is an analysis from a review I pulled off the web that explains it much better than I can:

• Best: Airline tickets costing up to $500 are the best deal:

So the "Preferred Airlines" are: British Airways, Delta, Continental/United, and American Airlines. If the price of the ticket is above $500, then you can redeem an additional 2,500 points for every $25 needed.

The only drawback is that you have to redeem your reward travel through Merrill Lynch's customer service department (vs buying it on your own and requesting a statement credit). But regardless this is a good deal if your tickets cost close to $500. If your ticket only costs $250 to $312.50, then you would only be earning 1% to 1.25%.

[celluloid17]

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@grinlikechelsea wrote:

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@celluloid17 wrote:

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@grinlikechelsea wrote:

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@celluloid17 wrote:

---

@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

---

Which ones? 

---

Okay here's the rundown.

I just PC'ed my BCP into a SPG because I will benefit from that more than having something that my Sallie Mae essentially does. Plus Starwood properties are awesome and the points transfer well. I sockdrawered my Huntington card (not sure if I will cancel it; probably not because it pads my util) because I really don't have too much of a use for it anymore and Huntington has consistently been massively unhelpful for CS. I'm thinking about dumping the Venture later sometime since my Merrill+ is essentially a 2% travel card if you redeem the ML points correctly, so it is redundant. Everything else is okay for now.

---

Very interesting!  I think you have great cards and PCing BCP to SPG seems like a really good idea.  I agree that Starwood properties are usually ace.  Sorry to hear that about Huntington Voice, it seems like an attractive card given the broad 3% categories, but bad CS is the pits.  How does a Merrill + operate as a 2% travel card?  

---

Yeah, the Voice is a good rewards card, but it just has been a struggle to even use it normally.

As for the Merill+ it is all about how you redeem the ML points for flights on their "preferred airlines." Here is an analysis from a review I pulled off the web that explains it much better than I can:

• Best: Airline tickets costing up to $500 are the best deal:

So the "Preferred Airlines" are: British Airways, Delta, Continental/United, and American Airlines. If the price of the ticket is above $500, then you can redeem an additional 2,500 points for every $25 needed.

The only drawback is that you have to redeem your reward travel through Merrill Lynch's customer service department (vs buying it on your own and requesting a statement credit). But regardless this is a good deal if your tickets cost close to $500. If your ticket only costs $250 to $312.50, then you would only be earning 1% to 1.25%.

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Great information!  Thank you for posting that.  I have a friend that was looking for a travel card to use for an upcoming trip to Spain and I suggested this one.  It's nice to know all the ins and outs of it aside from the already enticing no FTF and EMV chip.  

[grinlikechelsea]

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@celluloid17 wrote:

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@grinlikechelsea wrote:

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@celluloid17 wrote:

---

@grinlikechelsea wrote:

---

@celluloid17 wrote:

---

@grinlikechelsea wrote:

Now I'm thinking about cutting a few cards that I don't use anymore from my lineup and PC'ing another.

---

Which ones? 

---

Okay here's the rundown.

I just PC'ed my BCP into a SPG because I will benefit from that more than having something that my Sallie Mae essentially does. Plus Starwood properties are awesome and the points transfer well. I sockdrawered my Huntington card (not sure if I will cancel it; probably not because it pads my util) because I really don't have too much of a use for it anymore and Huntington has consistently been massively unhelpful for CS. I'm thinking about dumping the Venture later sometime since my Merrill+ is essentially a 2% travel card if you redeem the ML points correctly, so it is redundant. Everything else is okay for now.

---

Very interesting!  I think you have great cards and PCing BCP to SPG seems like a really good idea.  I agree that Starwood properties are usually ace.  Sorry to hear that about Huntington Voice, it seems like an attractive card given the broad 3% categories, but bad CS is the pits.  How does a Merrill + operate as a 2% travel card?  

---

Yeah, the Voice is a good rewards card, but it just has been a struggle to even use it normally.

As for the Merill+ it is all about how you redeem the ML points for flights on their "preferred airlines." Here is an analysis from a review I pulled off the web that explains it much better than I can:

• Best: Airline tickets costing up to $500 are the best deal:

So the "Preferred Airlines" are: British Airways, Delta, Continental/United, and American Airlines. If the price of the ticket is above $500, then you can redeem an additional 2,500 points for every $25 needed.

The only drawback is that you have to redeem your reward travel through Merrill Lynch's customer service department (vs buying it on your own and requesting a statement credit). But regardless this is a good deal if your tickets cost close to $500. If your ticket only costs $250 to $312.50, then you would only be earning 1% to 1.25%.

---

Great information!  Thank you for posting that.  I have a friend that was looking for a travel card to use for an upcoming trip to Spain and I suggested this one.  It's nice to know all the ins and outs of it aside from the already enticing no FTF and EMV chip.  

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You're welcome! I will also add you can redeem points for gift cards and other things, but they devalue the points. Also, the fringe benefits and excellent CS make it a great card. I highly recommend it

[Anonymous]

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@celluloid17 wrote:

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So the "Preferred Airlines" are: British Airways, Delta, Continental/United, and American Airlines. If the price of the ticket is above $500, then you can redeem an additional 2,500 points for every $25 needed.

The only drawback is that you have to redeem your reward travel through Merrill Lynch's customer service department (vs buying it on your own and requesting a statement credit). But regardless this is a good deal if your tickets cost close to $500. If your ticket only costs $250 to $312.50, then you would only be earning 1% to 1.25%.

---

Great information!  Thank you for posting that.  I have a friend that was looking for a travel card to use for an upcoming trip to Spain and I suggested this one.  It's nice to know all the ins and outs of it aside from the already enticing no FTF and EMV chip.  

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The price of a ticket to Spain (depending on the time of year) is probably well above $500, and as grinlikechelsea says, you are redeeming 2,500 points for $25 above $500 (1%) so if there is a lot of that it's much less attractive.

[Stralem]

Right now, my PRG is getting the lion's share of my spend. I'm already halfway towards meeting the $2k minimum for the bonus points.

My CSP might become my go-to after that, though.

[celluloid17]

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@Anonymous wrote:

The price of a ticket to Spain (depending on the time of year) is probably well above $500, and as grinlikechelsea says, you are redeeming 2,500 points for $25 above $500 (1%) so if there is a lot of that it's much less attractive.

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That's true.  I suggested the Merrill + more for the no FTF and EMV chip, along with the good customer service.   She's not necessarily looking for a rewards card, but more of a versatile card to use in Spain for a month.  She has an Amex TrueEarnings and I told her to use that to book her flights and travel costs because she will get 2% back on that and then app for a Merrill + card to actually use when she gets there.