Question
I have decent credit 660. Not perfect but good.
What card gives me the most?
Thanks
Answer
This IMHO is the wrong forum for you. Try www.creditnet.com.
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Or better yet, even www.creditboards.com
JM2C, you should have no problem getting Citi Plat Select MC or a Chase Platinum MC/Visa....as long as you do not have a chargeoff with them.
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thank YOU for the help ^
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You can also check out cardweb.com They have full comparisons on all types of cards and rewards.
If you are specifically looking for a rewards card or airline miles cards, then we are hear to help.
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You can also check out cardweb.com They have full comparisons on all types of cards and rewards.
If you are specifically looking for a rewards card or airline miles cards, then we are hear to help.
i am looking specifically for an airline miles cards. that is the only reason i would post the question here. Ive been thinking about getting one for a long time. Its about time i did!
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i am looking specifically for an airline miles cards. that is the only reason i would post the question here. Ive been thinking about getting one for a long time. Its about time i did!
Flatsilver - first Welcome to FT. Just a piece of friendly advice.... It is much easier for us to recommend a card or cards if you give us a bit more detail on your spend and travel habits.
Who do you fly and do you have status already? Can you earn status just on your flying? Are you willing to pay a fee?
There are lots of cards out there and most of the majors have associated cards. It wouldn't make sense for you to get a Delta Amex if you only fly AA. Give us more info and we'll try to help.
You can also do a Search in this forum which will yield many of these types of discussions with past posters looking for the same type of answers.
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i am looking specifically for an airline miles cards. that is the only reason i would post the question here. Ive been thinking about getting one for a long time. Its about time i did!
Well, if you're looking for airline miles cards, there's ALL sorts of questions, but exact credit rating is among the least important (because there's not going to be a HUGE difference between cards you can qualify for with a decent rating).
But it is going to make a huge difference whether (a) you want cheap domestic flights, (b) cheap international flights, or (c) upgrades, and whether you are able to fly any airline or from your city there are only a handful of airlines which are practical, and so on.
(All the Visa/MC cards limit you to one airline, or else don't earn you real "miles" at all. Only with a Diners Club -- which plans to be accepted as an MC starting early next year -- or a Starwood AMEX do you get the flexibility of earning miles in most any airline with the same card.)
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Thanks
I Fly Mostly From Rdu To Cmh/tol/dtw.
Nc To Oh.
-j
Go Bucks
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Thanks
I Fly Mostly From Rdu To Cmh/tol/dtw.
Nc To Oh.
-j
Go Bucks
Who do you fly?? With those routes, it sounds like USAir. Which means the BoA USAir Visa or the United Mileage Plus Visa which (I think) is with BankOne.
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i fly the cheapest i can.
i plan on start flying a lot more often.
i use credit/debit cards for everything and then pay it off at the end of the month. I figure i might as well be getting miles for my purchases. I spent 10k last month at home depot alone!
When i figured that out...i thought i should be looking for a good airline card.
I think my favorite airline from rdu to cmh is AA.
They offer a direct flight and it doesnt cost anything more!
-J
Answer
i fly the cheapest i can.
i plan on start flying a lot more often.
i use credit/debit cards for everything and then pay it off at the end of the month. I figure i might as well be getting miles for my purchases. I spent 10k last month at home depot alone!
When i figured that out...i thought i should be looking for a good airline card.
I think my favorite airline from rdu to cmh is AA.
They offer a direct flight and it doesnt cost anything more!
-J
Well, if you're going to be REDEEMING miles, the question would be what's your favorite airline INDEPENDENT of cost? See, if you already pay low fares, it's not really a good value to use your miles on THOSE flights, but on more expensive ones. So, for example, if you decide to get an AAdvantage credit card (to earn miles on AA), it would probably make sense to continue to pay for tickets to inexpensive locations, but then when you want to go to a less competitive location where ONLY AA flies and so the ticket prices are much higher, then use the awards for that.
If you want to earn 1 miles per dollar spent, AA's credit card will cost you $50/year. (It's hard to find ANY card that will earn you REAL miles at 1 mile per dollar spent that doesn't have SOME kind of annual fee.) If you want no annual fee at all, the most you can earn on an AA credit card is 1 mile for every TWO dollars spent.
If most of the places you use a card to pay also take AMEX, then you might want to consider the Starwood (SPG) AMEX instead. It earns 1 point per dollar spent and 1 point can translate to 1 mile (on AA or many other airlines) and 20000 points can translate to 25000 miles. The annual fee is only $30/year, and waived the first year. But if you spend a lot of money at places that only take MC/Visa but not AMEX, then it might not be such a good deal for you. (And, no, you don't have to stay at Starwood hotels to have the Starwood AMEX work for you.)
Back to AA: You can easily find a deal where you'll get 10000 miles or more and the annual fee waived for the first 6 months. If the best deal is for an $85/year card, go for that, and then downgrade to the $50/year card before those 6 months are up. (You don't lose the bonus points if you wait until after they've posted to your AA account.) Search in the American AAdvantage forum here on FlyerTalk for more on AA credit card deals, there are several current threads discussing those.
Btw, not to worry: If you get an AA card, you can still use it to buy tickets on other airlines, and you'll still get the 1 mile per dollar spent on those tickets, even as you can earn into other FF programs when you fly on other airlines (that aren't partnered with AA).
One good thing about AA's FF program: Their "million mile" point counts miles from ALL sources, including credit card spending and transfer from other programs (like the Starwood points you earn with the SPG AMEX).