What credit card should i use ??

[Anonymous]

Well I sprung for the DW and got for a 2013 Cadillac Escalade and I am picking it up thursday. Which card should i use, amex blue, amex gold, amex gold delta or discover it. The down payment is 6k. What has the best rewards

[enharu]

Uh, no one can give you a right answer. Which card / rewards do you have most use for? Use that.

[Anonymous]

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@enharu wrote:
Uh, no one can give you a right answer. Which card / rewards do you have most use for? Use that.

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I m asking because i normally and dont know what the rewards are for that other then the miles for the delta

[enharu]

Discover and Amex blue are cashback cards. You get 1% back, which is equivalent to 1ccp.

If you fly delta quite a bit, use the delta card. You should be able to get more than 1ccp pretty easily. So if you fly quite a bit or just don't mind accumulating points for a free flight, use this card. It can take a while to accumulate enough points for a flight depending on how much you spend and where you are flying to and from. If you fly delta a lot this is the card to use.

Amex gold gives you MR points. The ccp value varies depending on what you do with it. Worst case scenario you get 1ccp, which is also equivalent to 1% cashback. Good thing about MR points is that you can transfer to several airlines / hotels, though there might be a penalty or fee involved for some. In a way you have greater flexibility with MR points.

[09Lexie]

Do you have the Gold or the PRG?

[GatorGuy]

Marty

Enharu gave you some great starting advice but ultimately only you can answer this question. And you can only answer this question by you, yourself spending the time to look at the rewards with your credit card and what you can do with them. From there you can decide what you would actually  use and what you wouldn't.

Don't get caught up with only maximizing rewards with only big purchases but also day to day spending because that adds up very quickly. Congrats on the new car!

[Anonymous]

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@09Lexie wrote:
Do you have the Gold or the PRG?

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yes i have the gold from 2004

[09Lexie]

You might consider PC'ing the Gold. The rewards are terrible. However, depending on if you have to meet certain spend req for your new cc's- I'd start there

[Anonymous]

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@09Lexie wrote:
You might consider PC'ing the Gold. The rewards are terrible. However, depending on if you have to meet certain spend req for your new cc's- I'd start there

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I acuatlly want to get the platinum card converted from the gold is that possible and if so will i still be a member from 2004

[09Lexie]

Yes, you will be backdated. Call and ask them to PC you to plat- that might come in handy with your trip to Italy