Question
Friends of Flyer Talk give me many great suggestions. Now:
1. I use Citi Dividend card--all supermarket, gas and drugstore 5% cash back
2. I use PremierPass Elite Level--All air tickets 1 mile=1 point+$1=1 point
3. I use American Express Starwood--High value points and oversea transfer
4. I use Diners Club--I don't know.
5. I use ICBC Platinum card--Free Priority Pass
I want to know whether I should apply or convert this card:
Citi mtvU card of student--all restaurant (include fast food), bookstore $1=5 points GPA4.0=2000 Because my friends told me this is a valuable card for restaurant.
Answer
The Chase Business Card gives you 3% on Restaurants, Taverns, Gas, Home Improvement, Office Supply. Rebate is limited to $2,000 in purchase per month. This equals $720 in rebates ^ per year. Much greater than 5% rebate cards that set limit at $300 in rebates :td: per year.
Answer
10,000 a year equals one free tix on Jetblue.
Jet blue amex is always double points for restaurants.
I don't have the card myself (Yet).
Answer
The mtvU card is an interesting card. 5% back at bookstores, movie theaters, and restaurants. No one can say for sure whether it's worth it for you. How much do you spend on restaurants each year? Multiply that by 3% (5% back on this vs 2% back using PP Elite). That's how much you gain by having this card. Then you have to weigh that vs the inconvenience of having to carry another card (and possibly another inquiry on your credit report). One other thing to note is that I've heard that all purchases at Amazon.com count as bookstore purchases.
Another option is the Citi Professional card. 3 TY pts/$ for car rentals and restaurants.
Answer
The mtvU card is an interesting card. 5% back at bookstores, movie theaters, and restaurants. No one can say for sure whether it's worth it for you. How much do you spend on restaurants each year? Multiply that by 3% (5% back on this vs 2% back using PP Elite). That's how much you gain by having this card. Then you have to weigh that vs the inconvenience of having to carry another card (and possibly another inquiry on your credit report). One other thing to note is that I've heard that all purchases at Amazon.com count as bookstore purchases.
Another option is the Citi Professional card. 3 TY pts/$ for car rentals and restaurants.
Last three month:
I spent 800 in Supermarket and gas. Dividend
I spent 350 in restaurants.
I spent 2600 in Airline.Premier Pass Elite Level
I spent 1600 others.
So I want to get your suggestions. If the MTV card is valuable, I will convert Dividend card to MTV, and apply a new ATT Universal Cash back card. Thank you. How about Diners Club for car rentals? Because many people in Flytalk suggest it. I have Diners Club charge card.
Answer
Costco AmEx gives you 3% rebate on restaurant charges and Hilton AmEx gives you 5 pts/$ charged.
Answer
10,000 a year equals one free tix on Jetblue.
Jet blue amex is always double points for restaurants.
I don't have the card myself (Yet).
200 Award Dollars - 1 True Point
100 True Blue Points = free flight.
I get 20k= a free ticket. Am I missing something here? Are we talking specifically about spending 10k a yr at the special catagories that earn 2pts / $ ?
Ken in Phx
Answer
the MTV card only gives you thank you points, so you might want to get the at&t card that gives thank you points instead of cash-- that way you can redeem the points faster. Also, there's a much higher annual earning limit for points than for cash ($300 iirc)