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Best Credit Card for points?

Zac495

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With Marriott devaluing points, we're going to drop our Marriott credit card. Which credit card do Tuggers like and why? THANKS!

Moderators - if this is in the wrong forum, please move it. I just wasn't sure - this forum is always a good audience.
 

UWSurfer

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I think that depends largely on what you are looking to get out of the "reward".

I personally think cash is king, and use my Costo/Amex card to get cash back each year, coupled with their premium level membership. I had to run 10's of thousands of $ through the card for business this year and have a healthy reward built up right now.

I have a HHonors Visa I use mostly for places who don't take the Amex and build up those points for stays. I can usually get a Hampton or Hilton Garden Inn for a couple of nights each year with the points we earn from it and other Hilton stays.

Since I'm not loyal to any one airline, I havn't bothered with airline miles simply because it seems too complicated to get a flight with it. I know others make it work, but I've not been willing to make the plunge.
 

Cathyb

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We like our Starwood AMEX; esp. if you shop at Costco. We do use their capability of transferring points to ffmiles or staying at their hotels.
 

Jennie

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I've been with the Amex Membership Rewards card for years. It has a hefty annual fee of $125. but allowed for additional cards for family and friends at no extra cost. Amex used to have many promotions where you could earn double and sometimes even triple miles on all purchases made during a designated month or 6 week period. That's when all our maintenance fees got paid, even if they weren't due for months.

The Points can be transferred into many of the frequent flyer programs of the major airlines. They can also be converted to cash to pay off charges in your Amex bill, but at the rate of only $1.00 for every 20 points. After studying the Amex web site and the annual rewards catalogue, I discovered that you can now cash them out 1.00 for every 10 points when ordering Home Depot gift cards. So I liquidated a huge number of points to upgrade our kitchen and laundry appliances.

Then I began looking for a card with similar benefits that does not charge an annual membership fee.

After much searching, the best deal I found is the Chase Freedom Plus Master Card. I think they are trying to keep it a secret. Even when you know exactly what you are looking for, it's almost impossible to find info about it on their web site. When I called to get more info, the Customer Service Rep said that she had never heard of it, and she couldn't find it in her system. I had to get with a supervisor and he clearly didn't know much about it either.

The annual fee of $30. is waived for the first year. It's free thereafter if you have a checking account with Chase Bank. Single Points are earned on every purchase. There are 15 categories of purchases where you can earn triple points each month; you receive them for each of 6 of those categories where you spend the most money each month. One category is cell phone service, so I set it up with Verizon to take the payment directly from the credit card each month. Ditto our electric bill and cable service and oil bills. Other categories include purchases at fast food restaurants, movie theatres, video rental, all items purchased in drug stores e.g. Walgreen's, CVS and a few other Categories that I can't recall at the moment.

The Points can be used for the usual type of merchandise found in on-line and printed catalogues, including gas cards and a variety of gift cards. But they can also be "cashed out" by phone or online and will appear right away to offset some or all of the payment due on the current bill.

And if you accumulate 20,000 Points, you receive a $50. bonus in addition to the $200. value of 20,000 points. Each statement shows how many points were earned that month, how many you have altogether, and how much you can cash them out for at the present time. It's been adding up pretty fast with all the utility bills, etc... now being paid that way instead of through my on-line banking account.

This is the best deal I found after months of searching. But I can't rule out that a TUGger may know of a better deal. I think many of us are descendants of "hunters." We no longer have to stalk and catch our food so we have transferred the skills into finding all kinds of bargains.

My 25 year old Amex account will be dumped when it comes up for renewal.
 

Running Man

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We like the Alaska Airline Platinum Mastercard (only in Canada - Visa in the US). If you are on the West Coast, and looking for flight reward card, then this is a good deal. You get a bonus 20,000 points - 25000 for a free flight. Plus you get a companion flight ticket yearly for $50. The cost for the platinum card is $75.

Cheers:D
 

pcgirl54

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We have had Amex Gold Rewards Plus for years. There is a steep fee and it is a charge card not a credit card. Love Amex travel site easy to use points. They had a double or triple points at one time as Jennie said but not anymore.

I also am looking to replace Mariott Rewards Visa which I have had for a longtime. You do need a Visa or MC on some occasions. Discover has a good deal but not everyone takes Discover or Amex.

Suze Orman suggested cardtrack.com.
 
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Talent312

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We like the Alaska Airline Platinum Mastercard ...
For a moment, I read that as the Alaska Pipeline MC and thought,
"Who'd want points for that?" :)

I have an AmEx Rewards card, a Chase Flex-Rewards MC, and a Hilton AmEx card. I use the Hilton card only when I get a bonus for Hilton-related charges. The Chase MC seems to offer the best value in rewards. The original AmEx, not so much, but it has a $55K limit, so I keep it open (not that I'll ever charge that much).
 
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brainman

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Canceling Marriott Rewards card

How can you cancel a Marriott Rewards card without losing all of the points? Do you have to wait until after the points are used? I want to cancel, but not lose the points.

Thanks
 
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