(Closed) Best credit card to use

posted 6 years ago in Money
Post # 3
354 posts
Helper bee
  • Wedding: November 2012

Look for one that gives you the biggest bonus for signing up.  Even if you use your card regularly, it can be hard to rack up enough points to turn into a flight (e.g. a roundtrip international flight on american airlines is at least 50,000 points), so that initial sign-up bonus is where you get the most value. 

Post # 4
9952 posts
Buzzing Beekeeper
  • Wedding: December 2012

You need to find a way to compare apples to apples… to discover which Loyalty Programs offer what… and how they’d hold up in the exact situation you are in / would use them for.

Suggest you GOOGLE for info… – compare airline loyalty programs – and you’ll find some great info (here in Canada we have a company that publishes this type of info annually).  Alternatively you could also check out some of the On-Line Travel Websites Forums… they may have some good info, and first hand accounts by a variety of users.

As a Canadian, the best program here by far is Air Miles / Reward Miles (the blue card) which is an independent program that can be or not be tied to a credit card (Mastercard or Amex)… so that Points are earned on ALL Purchases.  Points can rack up really quickly (especially for someone like yourself who puts all their spending on a credit card and pays it off every month)… and then gets BONUS points on top of that for being loyal to a long list of companies / service providers

With Air Miles… 1 Point = 1 Air Mile = 1 Actual Mile of Air Travel.  Although there are discounts for their Gold Members vs a Regular Member (Membership Levels are determined how much you use the program). 

So for example, in our case, Mr TTR and I earn the MINIMUM equivalent to two return airfares for FREE (well except for the Fees & Taxes) on any airline we choose to Florida (1700 Miles x 2 = 3400 Pts / Air Miles) at least twice a year (so annually about 7,000 pts / Air Miles)

But the best part is the points can be traded in on anything not just airfare (and not restricted to any one airline)… so also, Cruises, Resorts, Hotels, Train & Bus Travel, Car Rentals and an endless supply of Gift Certificates at major retailers, or online purchases / gifts

Sadly as a non-Canadian you can’t get one of these great cards.  Sorry.

When in the USA, we belong to all the major hotel chain Loyalty Programs.  And enjoy lots of FREEBIES from them as well… be it a FREE Stay, or just the perks of membership (Upgrades, and extras).

Can’t honestly fathom anyone who travels and doesn’t belong to a Loyalty Program (forget the fact that you may never earn a FREE stay… paying for a Standard Room and ending up in a Deluxe or Suite, is soooo worth the 5 Minutes it takes to fill out an on-line application)

Hope this info is helpful,

Happy travels…


Post # 5
3305 posts
Sugar bee

I am biased toward Captial One… 50% extra cash back.

Post # 6
731 posts
Busy bee
  • Wedding: March 2013

*BUMP* I was just about to use my credit card to book my photographer, when I thought about the credit card/points benefits I could be reaping. I am also very interested to know which cards you ladies like best, and what you have to say about the rewards programs you’ve tried!

Post # 7
828 posts
Busy bee
  • Wedding: September 2012

We are parlayingCapitol One points in conjunction with Delta sky miles for our honeymoon.

Post # 8
3697 posts
Sugar bee

My mom uses a card with Starwood points and she accrues free/reduced hotel rooms pretty regularly. She really likes it!

Post # 9
3305 posts
Sugar bee

I like anything that give me cash back, but if you travel a lot, look for cards with the best airline miles package. Check a few cards before committing to one.

Post # 10
156 posts
Blushing bee
  • Wedding: April 2013

I agree with Capitol One cards… they also don’t have that 3% foreign transaction fee if you’re going overseas.  It has definitely been helpful for my Jamaica wedding.

Post # 11
3885 posts
Honey bee
  • Wedding: September 2011

I use a us airways card. Their award levels on star alliance partner airlines are really affordable, especially for business/first class. To be honest, I have more lucrative ways of earning us airways miles (including actually flying) but if I’m going to use a credit card anyway, I might as well add to my mile pile.

Cap One gives basically $.01 per mile earned, so 100,000 miles =$1000.00 off of your flight which is not shabby, but the same spend ((based on 1 mile per dollar spent) on a us airways card gets you 1 business class ticket to Europe on Air Canada/United/other partners, and is not too far off of what miles you need for 2 coach tickets to Europe. And I find that a much better return on the investment.

United has a really good travel card with nice benefits but slightly higher partner award redemption charts.

The SPG card is pretty good but not what I’d call “great” as there are too few properties overseas for my needs.

Plain old Amex is awesome because you can transfer your points *everywhere* to get the best value for them.

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