Any credit card nerds here? Trying to decide between Chase Saphire Reserve and Amex Gold Want to optimize for 1) travel 2) signup bonus 3) food Chase is more expensive but has free citi bikes which is clutch for NYC
Amex concierge has fallen off in a big way. I prefer crypto rewards these days but if I had to pick I'd go chase.
Chase SR bc of frequent travel. But...AMEX typically gives you longer runway on getting the sign up bonus & likely has the edge on food+travel. If you need to get into the nitty gritty, there are a couple of good gpt web search plugins.
I can get you on a card that lets you spend USDC, no loyalty points…yet 😈
Sapphire Reserve for sure, although I’d also consider Sapphire Preferred if you wanna save on the annual fee while getting many of the same perks. Gold isn’t a great travel card, you won’t get any lounge access or TSA PreCheck like you would with Sapphire Reserve. Chase points are also easier to get value out of
definitely CSR. I’ve had mine for 8 years now and with the amount I spend on travel / food, I’ve gotten around >$1.5k in equivalent cash value back every year
if you choose Chase, I will send you the promo code. 1) I only use it for travel 2) use it _only_ for 3 months and you get $500 3) dashpass for 12 months, points on every restaurant is that a good enough pitch?
i have the chase sapphire reserve card, i use it all the time, its also metal so it feels nice to use too, idk points or stuff like that tho
Visa card for sure as Amex is not widely accepted outside of the States. If you don’t travel a lot, flying more than 5 times a year, you will probably like CSP (Chase Sapphire Preferred) better, the effective annual fee is cheap, no Priority Pass, but it offers very good travel insurance. uscreditcardguide.com/en/
Get the Chase (I’d go for the preferred) Chase is much more restrictive on applications, you can get an Amex later much more easily. Optimizing for SUB is the best strategy + sign up for a new card once you hit spend. The extra percent you eke out on categories is much less than bonuses
Chase for travel, Amex for groceries/restaurants
I use AmEx platinum for airfares, AmEx gold for dining and grocery, and hotel/etc specific cards for each chain, Amazon card for Amazon/Whole Foods. For uncategorized spend, 2% cash back is probably the best, although I’ve been using AmEx delta reserve to earn MQM bonuses or sometimes platinum just out of laziness.
Big fan of the chase card. We travel internationally a lot and the lounge access is great (tho hit or miss in the US)
Have you checked out nerdwallet and thepointsguy? Everyone’s spending so so different. I used these tools to identify the best options for me based on the current cards I had.
I use gemini cc so I can get free btc for my purchases. Always stacking sats.
i don't know if this ever launched or if this is the one but there was some card offering automatic optimization of points etc https://x1creditcard.com/
CSR for sure. Had one for years, consistently get 1. 5-3k of value out of it year after year. 5 or 6 trips per year, not a crazy amount of spend.
AMEX platinum if you live in a Delta hub and Uber a lot. FYI their signup bonuses are “once per lifetime” X1 can regularly return 3%+ IF you off-ramp points thru one of their 1c/pt redemption partners X1 was just acq by $HOOD so points deval likely incoming
for years i flew exclusively on alaska, buying all flights w/ the alaska card and using csr (a partner) for everything else. flew multiple first class flights on emirates & cathay (also partners). they cut ties w/ emirates but still do redemptions on cathay. may no longer be an optimal strategy but worth looking into
If you’re eligible for Chase, go for Chase while you’re under 5/24 I’d actually sign up for the Preferred and upgrade to the Reserve after year 1. Usually the sign up bonus is higher and worth more than the multiplier
Go with the Sapphire Reserve, it’s what I’ve got and comes with good travel benefits like never having to worry about travel insurances. Also I’m biased.
You know I asked google bard about this the other day with Canadian cards and got some pretty good answers Even worked out fees vs points