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What is your best "everything else" card?

What is your best "everything else" card?# Money - 海外理财

m*a2013-06-13 07:06

1 楼

1. FIA AMEX (2%)
2. Any Chase UR Card (Ink/CSP/Freedom) (1.8% if US-China coach only)
3. AMEX SPG (2.5% -$65 annual fee)
4. Chase United Club (2.7% -395 annual fee)
5. Regular UA/AA/USAirway mile card (about 2% - $95 annual fee)
Restriction here:
1. Limit to one step only (your time is worth something).
2. No exploit on bonus category (e.g Ink 5X)
3. No time limitation (no sign up bonus, no 5X for first year only)
Any card I am missing?

d*j2013-06-13 07:06

2 楼

3.6怎么算的

【在 m*****a 的大作中提到】

: 1. FIA AMEX (2%)
: 2. Any Chase UR Card (Ink/CSP/Freedom) (1.8% if US-China coach only)
: 3. AMEX SPG (2.5% -$65 annual fee)
: 4. Chase United Club (2.7% -395 annual fee)
: 5. Regular UA/AA/USAirway mile card (about 2% - $95 annual fee)
: Restriction here:
: 1. Limit to one step only (your time is worth something).
: 2. No exploit on bonus category (e.g Ink 5X)
: 3. No time limitation (no sign up bonus, no 5X for first year only)
: Any card I am missing?

m*a2013-06-13 07:06

3 楼

When you buy miles, you give up the chance to earn cash back. Therefore,
when you value the miles, you should consider this forgoing lost. If so,
here is the new list:
Note: every card is minus 2%
1. FIA AMEX (0%)
2. Any Chase UR Card (Ink/CSP/Freedom) (0% to FIA)
1.8%<2%, so you are earning zero or even negative cashback. It would never
beat FIA AMEX in non-bonus category.
3. AMEX SPG (0.5% after you spend more than 13K)
$65/(2.5%-2%)=$13K. You need to spend $13K to get to the same level of FIA.
Only AFTER THIS SPENDING, you begin to beat FIA AMEX.
4. Chase United Club (1.6% after you spend 25K)
Similarly, $395/(3.6%-2%)=$25K. Again, the first 25K spending will earn you
nothing but catching up with FIA. So you have to make sure you spend far
more than $25K to justify the card.
5. Regular UA/AA/USAirway mile card (0%)
Never beat FIA if you only earn 2%+annual fee.
So, in conclusion: FIA AMEX beats them all!~ Long live FIA AMEX!~
(kind hint: I am ignoring the perks of other cards. Considering them would
be another story...)

m*a2013-06-13 07:06

4 楼

by mistake...

【在 d**j 的大作中提到】

: 3.6怎么算的

b*i2013-06-13 07:06

5 楼

赞最近总琢磨这个问题呢.. category对应时候很方便一旦everything else时候打
开钱包不知道用哪张卡好

x*92013-06-13 07:06

6 楼

priceline 2%？

z*62013-06-13 07:06

7 楼

首先要估算一下你的everything else到底有多少,实际上很矛盾的,用的少,1.5%和2%差
不了多少,用的多银行是不是让你那么搞,fia fidelity因为交易比较多关帐户的也是有
的.所以我倾向于消费少就集中在bonus卡上定期开关,消费了多,上面这些高回报卡各申
请一个循环使用.
大家看到过这个么?
Your login name and password give you access to all of the online services
described below. Select an account or service:

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Link to Account Snapshot
Fidelity Investments American Express Card ending in 4453
Total Credit Available: $0 (Suspended)

Cash Credit Line Available: $0 (Suspended)

Total Minimum Payment: $0.00
Payment Due Date: 06/14/2013
As of June 13, 2013 14:06 ET
Total Credit Available: $0 (Suspended) Click here for a definition

Cash Credit Line Available: $0 (Suspended)

Current Balance: $15.73 CR
Temporary Authorizations: Click here for a definition $0 (rounded)
Total Credit Line: $13,800.00

Cash Credit Line: $4,100.00

Total Minimum Payment: $0.00 Pay Online
Payment Due Date: 06/14/2013
Past Due Amount: $0.00
Last Statement Balance: $15.73 CR as of 05/15/2013 View Statements
Last Payment Posted: $11,248.88 on 05/15/2013
Pending Online Payments Payments will be updated on Recent Activity on
Monday to Saturday after midnight. View Payments