Question
I have the BOFA Visa and the Juniper Mastercard though I only use the Visa. I'm thinking of switching the Visa over to a no fee something or other and getting on my hubbys Marriott Visa account so that we can get points faster. I got the Visa card many moons ago when I wouldnt fly anything except USAir though now I'll fly any airline so I'm no longer seeing the point in keeping the card thats only getting me US miles. I dont want to get in the situation of another high $$ annual fee card, was thinking of something a little less fee crazy...Any good ideas? Bad ideas?
Answer
I have the BOFA Visa and the Juniper Mastercard though I only use the Visa. I'm thinking of switching the Visa over to a no fee something or other and getting on my hubbys Marriott Visa account so that we can get points faster. I got the Visa card many moons ago when I wouldnt fly anything except USAir though now I'll fly any airline so I'm no longer seeing the point in keeping the card thats only getting me US miles. I dont want to get in the situation of another high $$ annual fee card, was thinking of something a little less fee crazy...Any good ideas? Bad ideas?
Household 2% by HSBC everything 2%
Dividend by Citi or Cash plus by Chase everyday 5%
MTVU by Citi Restraunt and book store 5%
Premier Pass Elite Level by Citi (no fee offer now) flight points
Simply cash by AMEX office supply 5%
They all no fee card
I suggest one card with fee: AMEX Starwood card, a good card. Is the hilton card by AMEX a good card both?
Answer
I have the BOFA Visa and the Juniper Mastercard though I only use the Visa. I'm thinking of switching the Visa over to a no fee something or other and getting on my hubbys Marriott Visa account so that we can get points faster. I got the Visa card many moons ago when I wouldnt fly anything except USAir though now I'll fly any airline so I'm no longer seeing the point in keeping the card thats only getting me US miles. I dont want to get in the situation of another high $$ annual fee card, was thinking of something a little less fee crazy...Any good ideas? Bad ideas?
This really depends on how much you will spend and whether or not you want cash back, points, and/or other benefits. All of the cards below give you approximately 1.5 cents/$ in rewards or better. All of them except for AMEX Blue Cash have concierge benefits, etc.
1. Merrill+ has excellent benefits if you will spend $50k per year. Its not bad otherwise. See the threads in this forum.
2. AMEX Blue Cash is excellent if you will spend more than $10,000 or so per year.
3. Fidelity Investment Rewards Visa Signature - Excellent if you have a Fidelity account.
4. Citibank Premier Pass (non-Elite) - If you fly alot and buy the tickets on the card, you will earn 2 pts per dollar. However, this card has a point limit.
Answer
Household 2% by HSBC everything 2%
Dividend by Citi or Cash plus by Chase everyday 5%
MTVU by Citi Restraunt and book store 5%
Premier Pass Elite Level by Citi (no fee offer now) flight points
Simply cash by AMEX office supply 5%
They all no fee card
I suggest one card with fee: AMEX Starwood card, a good card. Is the hilton card by AMEX a good card both?
If you use the points for premium hotel stays, the reward rate on the Hilton card is higher than the Starwood. However, Hilton points are not very flexible.
Answer
Household 2% by HSBC everything 2%
Dividend by Citi or Cash plus by Chase everyday 5%
MTVU by Citi Restraunt and book store 5%
Premier Pass Elite Level by Citi (no fee offer now) flight points
Simply cash by AMEX office supply 5%
They all no fee card
I suggest one card with fee: AMEX Starwood card, a good card. Is the hilton card by AMEX a good card both?
Those are all great cards. I don't think the Household 2% card is available without an invitation though. (Please tell me I'm wrong!)
I would also add the Citi Driver's Edge card, AmEx Blue Cash, and the Citi Professional card.
To quickly see which card will pay you the most rewards for your normal spending profile, you can use the rewards calculator at http://www.creditcardtuneup.com/.