Please recommend a new credit card!

gosmom
Wed, 04 Jun 2014 04:37:03 +0000

Presently, I have two Amex’s: Costco and Gold. Earning points better on Gold, but wanted to keep the Costco for the obvious shopping reasons and also because of travel/rental car rates have saved us so much. Always get check back in excess of Costco fee.
So I called to cancel the Gold (got it at a time when they offered 50,000 pts and waived first year fee) when the free year was up. Amex rep offered up 20,000 points if we continued (yes, $75 fee). I value those points at ~ $.02 each, so more than offset the $75 fee. and the points help get Goskids back home periodically…

Infuriatingly, no chip and pin (and not everyone takes Amex)…so that’s why we have a Marriott Visa…and DH has lots of miles from previous work life…so beneficial to keep. And also why we have a United Visa–because of DH’s previous work like, he has Million Miler status…so beneficial to keep. Miles/points/perks/freebie nights are like cash back to us…

So I guess what I’m saying what works for me may not be beneficial to others…there are a lot of options out there…just need to find what fits your needs…