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So currently I use the following credit cards: Schwab Visa: 2% Back British Airways Visa: Signed up because of 100k bonus In addition, I have an Amazon Visa that I never actually use (even though I buy a ton from Amazon) with a tiny $700 limit and an Amex Blue Student that just expired and the new card is waiting for me to activate it. I'll be doing a ton of traveling from November - January, so I'll hang on to the BA Visa until then. Otherwise, I'm going to cancel it as there's a $95 annual fee. Is my thinking right on this? Should I instead get another Amex of some sort? Once interview season ends I'm going to go back to being a pretty infrequent 7-8x/year traveler.
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Jul 4, 2011 17:28
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| # ¿ May 17, 2024 22:23 |
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Magic Underwear posted:I see facts here but no motivations. Of course I always recommend ditching annual fees, but do you want to earn BA miles? If you are x miles from a reward ticket then of course either spend x on the BA card or buy the miles directly. In general there is no reason to keep around a card that you only opened for the initial points. Thanks for the response. You've basically hit the nail on the head as far as motivation goes. The only reason I opened the BA card was because of the 100k miles. I was planning on using those for either interview flights or for a sweet trip somewhere before I start residency. Otherwise I was just planning on using the Schwab card for everything because as you said, the 2% is really tough to beat, but figured I'd check hear for something I might be missing. Maybe a card that has better warranty coverage for high ticket purchases? I've heard Amex is good for that.
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Jul 4, 2011 18:13
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alreadybeen posted:Just an FYI, BA charges hefty YQ (fuel surcharges) on award tickets. Hopefully you knew this going in but it is something good to be aware of when redeeming miles. You're best bet is going to be to try and redeem on another oneworld airline. Yup, I was planning on redeeming them on AA.
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Jul 5, 2011 15:26
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For those of us that are on the Schwab 2% card, what are you guys going to be doing once our cards are done at the end of October? I hate BoA with a passion, and the replacement cards they're offering are awful. My other credit card is a British Airways Chase card that I opened a few months back, an Amazon Visa that I never use, and an old AMEX Blue for Students card that I never use. I loved the Schwab card because I didn't have to think about anything but now I'm not sure what to switch to. I'll be traveling a ton for residency interviews in the next few months, but beyond that I only fly every 2 months or so. Any thoughts on a good general purpose rewards card?
Residency Evil fucked around with this message at 21:32 on Sep 24, 2011 |
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Sep 24, 2011 21:25
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Magic Underwear posted:http://personal.fidelity.com/products/checking/content/amex_rewards_card.shtml I saw that one but I'm not sure I really want to open another investment account that's not associated with my bank just for the rewards. I'm also kind of wondering how long that's going to last, especially since it's also managed by BoA.
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Sep 25, 2011 15:19
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dongsweep: I was in the same situation and ended up going with the Fidelity Investment Rewards card. It's a Visa, 1.5% on the first 15k, 2% after that (so a difference of $75). Unfortunately there's also a currency exchange fee for international transactions, but other than that it's pretty similar to the Schwab card.
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Nov 9, 2011 23:12
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I use the Fidelity 1.5% Visa as my primary card. Schwab 2% never forget. 
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Jan 7, 2012 05:05
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minute posted:PenFed still gives 3% on groceries and 1% gas as well. Also, the Citi Forward gives 5 points on Amazon and restaurants. The Fidelity card is great but it's Amex, so it's not as widely accepted. I use the fidelity visa for this reason. 1.5% for the first 15k, 2% after that. Unfortunately not as good as the old Schwab card but I don't think anything is.
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Apr 29, 2012 17:45
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Magic Underwear posted:The Fidelity Amex is a straight 2%, exactly like the Schwab was. True it's 2%, but it's still not as good in all other ways. Either way I prefer to have a Visa as my primary card. edit: And as soon as I post this I see this new Priceline card. This looks pretty solid. I wonder what the foreign transaction fees are. edit2: Merr, 3%. Residency Evil fucked around with this message at 21:53 on May 2, 2012 |
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May 2, 2012 21:50
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Diabetes By Sundown posted:I'm a recent college grad and I'm looking to build credit. Currently I have none, so I'm having trouble even getting a store credit card (applied for a student card and a local grocery store card, both denied due to a lack of credit references.) When I had no credit history in college I ended up applying for my college's credit union's credit card. Only a $500 limit, but it was unsecured and allowed me to build my credit up fairly quickly to the point that I could be pretty much approved for any card by graduation. Obviously YMMW but it may be worth checking out if this is an option for you.
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Jul 8, 2013 01:47
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My current regular credit card is the Fidelity Visa. I also have a very old student Amex account that I never use as well, a college credit union card I never use (my oldest), as well as an Amazon Visa I only use for amazon purchases. I'm single, usually spend around 1k on my credit card, and only travel 4-5x/year. Should I: 1) Not worry about it too much and just use the Fidelity Visa 2) Add on the Fidelity Amex 3) Grab another card?
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Oct 6, 2013 15:05
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Residency Evil posted:My current regular credit card is the Fidelity Visa. I also have a very old student Amex account that I never use as well, a college credit union card I never use (my oldest), as well as an Amazon Visa I only use for amazon purchases. I'm single, usually spend around 1k on my credit card, and only travel 4-5x/year. Should I: Any thoughts?
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Oct 15, 2013 12:43
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What's a reasonable way to figure out how much to ask for in credit line increases? Is there a general formula they used based on income/credit already open, or do they take other factors in to account? I'm asking because I called to ask for a credit line increase for my Fidelity Visa and the agent made a point of saying he couldn't suggest how much I should ask for. I went from a $5k limit to a $20k limit but have no idea if that was too little or not.
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Nov 5, 2013 05:23
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nickutz posted:To add to rewards chat: Anyone done anything cool with their points lately? I just redeemed my 4th flight segment using some of the 100k BA points I got a few years back. It'd be better if BA didn't have such terrible flight availability, but I've gotten lucky a few times and still have 58k points left. 
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Dec 18, 2013 03:26
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Is the fidelity Amex a "real" American Express card? Does it have all of the regular features associated with Amex cards such as extended warranties? I'm trying to figure out what card would best complement my fidelity visa.
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Dec 21, 2013 21:53
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My second oldest card is a student blue AMEX that I opened in 2007 and haven't used in forever since my main card is a Fidelity Visa. What's the best way thing to convert my old student Amex in to something that I'd actually use? I feel like I should keep my student card open since I don't want to lower the average age of my accounts, but I'm not sure what the best way/card to convert it in to is, or if I should just leave it alone.
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May 26, 2014 19:55
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Animal posted:Just call AMEX and ask them to convert it to a Blue Card Express or whatever you want. The Leck posted:Just a reminder that American Express will backdate new credit cards to the open date of your oldest active card, so having it around (or converted into something else) will help your average age if you get other Amex cards in the future. That's where my question's coming from, since I want to make sure that I don't lose the 7 years I've had it. Sounds like I can just convert to the Blue Cash Everyday Card and I'll be fine though (that or the Preferred one are probably the one to get, right?)
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May 26, 2014 21:15
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minute posted:Anyone have an Amex platinum? I just applied for the 100,000 point sign up bonus and was planning on cancelling in a few months, after a couple trips I have coming up, but after doing some calculations, the travel benefits might actually make it worth to keep even with the $450 annual fee. I got one as well for the sign up bonus. Definitely tempting when you look at everything it comes with. Residency Evil fucked around with this message at 04:35 on Oct 21, 2014 |
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Oct 21, 2014 04:32
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| # ¿ May 17, 2024 22:23 |
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Yeah, AMEX Platinum is at the very least worth a year for the Global Entry + $400 in airline certificates. The lounge access is getting pretty crappy unfortunately.
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Nov 6, 2014 21:34
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