I currently spend about $50k per month on credit cards for my job. The spending is mostly on cellphone and internet bills (about 25k) with the rest at places like CDW. I have a very cool boss that lets me expense this then they write me a check.Currently I use a combo of Barclays Arrival+ and Fidelity 2% Visa. I am thinking about getting a Chase Sapphire Reserve and a Freedom Unlimited. This should allow me to spend on the Freedom at 1.5% then transfer to the CSR and get 2.25% when redeeming for travel on Ultimate rewards. Does this seem like the best route? My primary goal is travel and both my wife and I already have SW companion passes for flights in the US. Mostly looking to pay for hotels and travel to Europe. Thanks
Users like you can add images, links and other relevant information about this topic.
posted: Aug. 26, 2016 @ 4:56p
Click to copy code and go to .
Thanks for visiting FatWallet.com. Join for free to remove this ad.
posted: Aug. 26, 2016 @ 6:40p
Amex SPG card. The whole Marriott/Starwood deal still hasn't fully integrated yet, but at least up to now SPG had the best travel program.
- Points transferable to many airlines (except united), and 1.2 miles / point on many with the 20% bonus. Great for transferring the exact number of points you need to airlines to get the tickets you want. Allows you to transfer / pick from EU based partner airlines, which often have better planes and service. - Many SPG Hotel options, especially as you get toward the high-end. No black-out dates. The best-kept secret is f you are going somewhere for a special event where hotels often jack up their prices (e.g. 200 meters from Oktoberfest in Munich), the points/night does not increase.
I would also suggest you consider the Olympic offer of US Bank FlexPerks (personal and/or Business in your case). Required spend is currently reduced from historical norm. Bonus is almost double norm. Travel points can be up to 2 cents per point. IF I read the USB site correctly, point are available almost immediately. YMMV. Points are transferable, so you can combine/focus points into one account. $49.00 AF (or 3500 points) waived this year. Spend 24K and get bonus 3500 points bonus to cover next year AF. 12 months 0% APR purchase and BT (3% fee) was not on anything I saw before I applied, but was on the T&C that came with the personal card. http://milestomemories.boardingarea.com/flexperks-olympic-bonus-...
It may be just me, but IMO Freedom Unlimited is a yawn at 1.5% bonus. Given the points transfer option, you may be an exception.
Amex is not on my radar, so I am not qualified to comment on that option, but billybwilde comments are on top of that option.
IF you are worried about maxing out a limit, move the cell phone to US Bank Cash Plus card. That is not a total answer as you are limited to $2000.00 per calendar quarter, but that is $8000.00 at 5% cash reward per year off the card you are trying not to exceed the cap. You would be hard pressed to find travel points of the same value.
Take a look at Merrill+ Visa. Zero annual fee with better perks than Amex Plat/Chase Sapphire Reserve if you spend $50k in a year. Plus the points are worth 2:1 in airline miles for $500 tickets. Private jet perks is nice too which is a reality at your monthly spend level. https://www.rewards.ml.com/cms/published/root/rps/pdf/MerrillPlu...
IMO this card isn't talked about much but it's my favorite.
IMO this card isn't talked about much but it's my favorite. I am blind and not finding 2:1 partner transfers in that document (I use SW most so that would be most applicable or some other airline with >1.6c/pt values available), can you point me in that direction?
I only found it say you could spend 25000 points from the card for up to a $500 airline ticket, which is not the same thing (significantly less value). Or maybe that's the part your referring and I'm just not processing the "airlines miles" in the same manner. CSR is 3pts/$ on all travel, transferable to many partners with no "you need exactly $500 ticket price to get the best value" and personally the average in points I've paid for airline tickets is around $100 or so ticket value pre-taxes/fees (mostly uncharged when using points) over the years so that meager best possible convoluted benefit of 2cents/pt vs 1.6+cents/pt for many partner airline transfer ticket prices or 1.5c/$ redeemed through UR portal without partner transfer is not useful to me, of course others' usage can be different. For any size ticket purchase, the least value on CSR travel purchases is 4.5% rebated towards flights, with partner transfers often at a higher value. The one you link is only 6% if the ticket value is exactly $500 (and unclear if it waives all the airport fees like partner redemptions).
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.
Earn Cash Back while you shop - just 3 simple steps.
1. Sign Up so we know who to pay! (It's FREE.)
2. Shop through FatWallet for deals from your favorite stores. Your online purchases earn Cash Back that builds in your FatWallet account.
3. Get Paid by requesting a payment via check or PayPal.
FatWallet coupons help you save more when shopping online. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location.
As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums. Forum content is generated by consumers for consumers. Share deals, money-saving tips, and more. It's FREE, fun, and addicting.
Our customer experience team is here around the clock - real people ready to assist.