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Thinking of PRG... Maybe early next year....
Business Services 1,174.44 3%
Communications 3,919.53 11%
Entertainment 348.59 1%
Fees & Adjustments 40.00 <1%
Merchandise & Supplies 14,395.34 42%
Other 17.35 <1%
Restaurant 4,065.42 12%
Transportation 6,903.82 20%
Travel 3,264.39 10%
Total: 34,128.88
Given these numbers as my YTD spend... Feb 2012 - November 2012 Would the PRG be worth it?
Don't put business expense on AMEX personal card.
But I honestly think CSP will be better off than PRG for you. You have spending on travel, transportation, and restaurant. All of which will get you 2X UR points for CSP. Not to mention 1:1 redemption ratio, lower AF, and no FTF fee.
@trumpet-205 wrote:Don't put business expense on AMEX personal card.
But I honestly think CSP will be better off than PRG for you. You have spending on travel, transportation, and restaurant. All of which will get you 2X UR points for CSP.
business expenses here include US postal service, FedEx, Office supplies. stuff that my work reimburses me for. These aren't expenses for my own business. Oddly enough, copays for healthcare and dentist bill pops up under the catagory "business services"
Keep in mind these are totals for the account, my husband is an ACM, a lot of the "merchandise" are things that he orders for his hobby which is building guns and reloading ammo.
Maybe I need to look at CSP... I just like a charge card better because it forces me to PIF. Also I've convinced by husband to use the charge card simply because you have to PIF, he is an AU on my other cards but he refuses to use them because they are "credit cards" Thanks for your Input i will look at it! I've been a Chase customer for over 10 years and my 13 yr old Discover account just got bumped over the 5k mark this year... so I might qualify for it especially if they pull TU
If those business expenses are within your monthly income (even though they are getting reimburshed) then you can put it on personal card without AMEX coming after you.
My recommendation is CSP + Ink combo. With Ink MasterCard you get 5% rebate (through MasterCard EasySavings) from USPS.com as well as 5X UR points on office supplies. CSP gives you no FTF and 2X UR points on restaurant, travel (including transportation).
You can then move points between Ink and CSP.
@trumpet-205 wrote:If those business expense is within your monthly income (even though they are getting reimburshed) then you can put it on personal card without AMEX coming after you.
My recommendation is CSP + Ink combo. With Ink MasterCard you get 5% rebate (through MasterCard EasySavings) from USPS.com as well as 5X UR points on office supplies. CSP gives you no FTF and 2X UR points on restaurant, travel (including transportation).
You can then move points between Ink and CSP.
We are going to Sweden in January, No FTF would be nice!! so with CSP you get 2x UR on gas? That seems like a pretty sweet deal
You get 2X UR points on gas from Ink.
CSP Travel does not include gas. It does include bus ticket, cab, rental, hotel, etc.
Does it matter that I don't have business credit established?
@webhopper wrote:Does it matter that I don't have business credit established?
My Chase Ink Classic is my first business credit card, so it is very possible to get it as your first business card.
Most people do need to call in to answer some business questions.
@trumpet-205 wrote:
@webhopper wrote:Does it matter that I don't have business credit established?
My Chase Ink Classic is my first business credit card, so it is very possible to get it as your first business card.
Most people do need to call in to answer some business questions.
Does Ink report to my personal credit report, or is it a hidden tradeline?
It is a hidden tradeline on personal credit report. Not sure about business credit report.
@webhopper wrote:Does Ink report to my personal credit report, or is it a hidden tradeline?