Now that I’m about to go back to work (and start traveling again) my mind has returned to maximizing my points and miles. Since I haven’t been able to travel for the last several months I have lots of ground to make up!
The first step for us is a new credit card. We have had the Citi Aadvantage card for six years. Overall we’ve been pretty happy with it, but due to American Airline’s continuing issues we think it’s a good idea to change to a non AA focused card. We’re considering three cards right now, and I am very interested in your input.
Amex Platinum. The benefits? Numerous. Access to lounges, $200 credit for incidental airline fees, membership in global entry, and 25,000 in points with $2000 spend in the first two months (among others). The cons are the hefty annual fee of $450, they’re not accepted everywhere, and the fact that you have to pay your bill in full every month. (We pay our bill in full every month, but it’s nice to know that you don’t have to if something crazy happens.)
Chase Sapphire Preferred. The benefits for this card are the double points on travel and dining, 40,000 points with a $3,000 spend in the first three months, it’s a Visa so it’s accepted virtually everywhere, and there is no annual fee the first year. The cons are the $95 annual fee after the first year (right now we pay $75), the high interest rate, and, well, it’s not the Amex Platinum so there’s no lounge access.
Chase Southwest Premier. This is the only airline-specific card we are considering. The benefits are the 25,000 points with $1,000 spend in the first three months, tier qualifying points, an anniversary bonus, and it’s a Visa so it’s accepted everywhere. The cons are the high APR (15.24% right now) and the $99 annual fee.
So, Readers, which card do you think is best? Do you think we should keep our Citi Aadvantage card around? Or are there other cards we should consider?
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