What card to get ?

[Anonymous]

I currently have the CSP, CF, Amex BCP & Discover It.  All spending currently is on Amex BCP except for Restaurants goes on the CSP.  I am bad about following the catagories for the CF and It.  I am currently deciding between CFU, Amex PRG(50k offer available) & Delta Platinum(Mainly for the companion flight).  I keep also thinking double cash might be better for the 2%.  If I were to get 2 what 2 would be best, how much would this make score drop; 830ish fico as shown by all the free scores from the cc's.

[Anonymous]

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@Anonymous wrote:

I currently have the CSP, CF, Amex BCP & Discover It.  All spending currently is on Amex BCP except for Restaurants goes on the CSP.  I am bad about following the catagories for the CF and It.  I am currently deciding between CFU, Amex PRG(50k offer available) & Delta Platinum(Mainly for the companion flight).  I keep also thinking double cash might be better for the 2%.  If I were to get 2 what 2 would be best, how much would this make score drop; 830ish fico as shown by all the free scores from the cc's.

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How are you planning to use the URs earned on CSP/CF/CFU.   If you are just using them for cash or on the Chase portal, CFU is worse than a generic 2% card like DC.    And if you are just using them for cash back, not worth paying the AF for the CSP either.   

If you are planning to transfer them to partners, then the CFU might make sense (and then you don't need the DC).   But, first piece of advice, pay attention to the categories on Freedom and IT, otherwise these are pretty worthless!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I currently have the CSP, CF, Amex BCP & Discover It.  All spending currently is on Amex BCP except for Restaurants goes on the CSP.  I am bad about following the catagories for the CF and It.  I am currently deciding between CFU, Amex PRG(50k offer available) & Delta Platinum(Mainly for the companion flight).  I keep also thinking double cash might be better for the 2%.  If I were to get 2 what 2 would be best, how much would this make score drop; 830ish fico as shown by all the free scores from the cc's.

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How are you planning to use the URs earned on CSP/CF/CFU.   If you are just using them for cash or on the Chase portal, CFU is worse than a generic 2% card like DC.    And if you are just using them for cash back, not worth paying the AF for the CSP either.   

If you are planning to transfer them to partners, then the CFU might make sense (and then you don't need the DC).   But, first piece of advice, pay attention to the categories on Freedom and IT, otherwise these are pretty worthless!

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Agree with this. Are you interested in cash back or travel? I would advise against the PRG if you want cash because you can only take statement credits at .6CPP which would make the redemption $300. If you are in a Delta hub, though, It would make pretty good sense to get the PRG for the first year and transfer the miles to Delta and you can get a bunch of free flights and gift cards/drinks/lounge access with the 2 $100 "incidental" reimbursements. Then maybe go for the everyday family and the Delta Platinum. Alaska Airlines Credit Card form BofA has a $99 companion flight if you are interested in that route.

[Anonymous]

Thanks for the responses.  I am not sure really what I am going to do with the UR points.  I have a decent amount right now and am thinking the best thing to do is to use on chase travel getting 25% back on the points.  If not I would be open to transfering them out.  I am not inclined to take the cash back really would prefer to use them towards travel probably.  I have never redemmed points on any of the cards I have.  Chase having the most as they were biggest sign up bonus and most used until the BCP which is only 2 years old.  The discover gets a $20 charge each month for the past 4-5 years so there is nothing on there.

[Anonymous]

I would suggest the Everyday Preferred form American Express to replace the BCP. If you value Membership Rewards points highly, this can give you one of the best return on spends out there, if you hit the 30 transactions per month. Boost the MRs with the sign up bonus from PRG and you can get some pretty good travel just from those. I reviewed my transactions last year from the EDP and I averaged 3 points per dollar spent. 

[Anonymous]

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@Anonymous wrote:

I would suggest the Everyday Preferred form American Express to replace the BCP. If you value Membership Rewards points highly, this can give you one of the best return on spends out there, if you hit the 30 transactions per month. Boost the MRs with the sign up bonus from PRG and you can get some pretty good travel just from those. I reviewed my transactions last year from the EDP and I averaged 3 points per dollar spent. 

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The problem for me with that card is I will not hit the 30 transactions.  The 6% on groceries works out for me too usually spend about 4-5k / year on them, use the card occasionally for gas too(3%).

[Anonymous]

What about the Chase Ink Business Cash card?  That's the card I'm eyeing next....

It has a nice SUB ($500) plus some 5% categories that might help you out on your Office Supply, Cable, Phone & Internet spend while still adding to your UR balance of your current two cards.

[Anonymous]

So you can app for a biz card w/o having an actually biz ? If so that's an interesting card but doesn't seem good for non-cat spending

[Anonymous]

Yes, you can...just apply with your SS# in place of EIN and select "Sole Proprietorship" as business type.

Last fall I applied this way for my CitiBusiness AAdvantage Platinum (60K AA mIles SUB) and even listed income at $0. It's not a catch all card, but since you already have the CSP the Ink Cash will earn you even more UR points and has no AF so not much to loose if you can get it. Ideally you also add the Chase Freedom or Freedom Unlimited for your "everyday" or 5% rotating category spend. 

[Anonymous]

So I have decided I am going to get the CFU.  I hope to use the UR points next year for travel and the nice sign up bonus is a plus.