point me to best credit card to collect travel points
- Thread starter Kanadian
- Start date
Use Starwood American Express.
They have a $30/year fee (1st year is free). U can collect points on the Starwood program. It allows you to transfer to many many airlines (esp. the ones U'll use most in US, don't know about Southwest though). Also If you transfer 20,000 pts. they give a bonus of 5,000 points.
Works good for me.
They have a $30/year fee (1st year is free). U can collect points on the Starwood program. It allows you to transfer to many many airlines (esp. the ones U'll use most in US, don't know about Southwest though). Also If you transfer 20,000 pts. they give a bonus of 5,000 points.
Works good for me.
Below are all my personal opinions:
Points, miles etc are all variable in value. Depending on your travel, a mile could be less than 1c or more than 1c.
Cards that have tiers for cashback are also dependent on your ability to spend in to reach the top tiers. Depending on your annual expenditure, it may yeild you less than claimed percentage (they always claim the top number).
My requirements are:
* Accepted everywhere. I want to use only one card (less headache)
* Rewards are of a fixed and predictable monetary value
* Gives me protection of a credit card, and is on my side (=> No Discover)
* No Annual fee, unless the extra rewards pays the annual fee
* I don't carry a balance, so I didn't see interest rate
My personal choice is Citibank Dividends MasterCard-
* 5% cashback at gas stations, supermarkets, drugstores [offer never expires]
* 1% cashback on everything else [offer never expires]
* No annual fee
* Almost anybody who takes credit cards accepts this (unlike AmEx)
* $300 annual cap for cashback (I have two cards just in case I hit the limit)
* Citibank has taken my side the few cases I had problems with a purchase
Dollars is the ultimate points program. It doesn't expire and you can convert it into anything you can think of!
~T
Points, miles etc are all variable in value. Depending on your travel, a mile could be less than 1c or more than 1c.
Cards that have tiers for cashback are also dependent on your ability to spend in to reach the top tiers. Depending on your annual expenditure, it may yeild you less than claimed percentage (they always claim the top number).
My requirements are:
* Accepted everywhere. I want to use only one card (less headache)
* Rewards are of a fixed and predictable monetary value
* Gives me protection of a credit card, and is on my side (=> No Discover)
* No Annual fee, unless the extra rewards pays the annual fee
* I don't carry a balance, so I didn't see interest rate
My personal choice is Citibank Dividends MasterCard-
* 5% cashback at gas stations, supermarkets, drugstores [offer never expires]
* 1% cashback on everything else [offer never expires]
* No annual fee
* Almost anybody who takes credit cards accepts this (unlike AmEx)
* $300 annual cap for cashback (I have two cards just in case I hit the limit)
* Citibank has taken my side the few cases I had problems with a purchase
Dollars is the ultimate points program. It doesn't expire and you can convert it into anything you can think of!
~T
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Kanadian said:well the gimic in this card is its one point for one $. which is equal to 2 points = 1 travel mile.
chase charge you 25 dollar and give you one travel mile per $
you do the math. appreciate your response
Nope it is 1 point = 1 mile in Starwood, except for United among US airlines (which I think they just did recently). Some other Non US airlines have different ratios , but R U going to use Air New Zealand, Varig, JAL . With KLM, U don't use that program anyway as US residents have to use the Northwest program.
U do the math