What credit cards are in your wallet?

[NemesisX]

Originally Posted by ASAP

The one thing that I can recommend since this is a CC thread, is do not under any circumstance use a discover or amex card overseas... just fucking dont...

AMEX has told my dad to use travelers' checks over a credit card overseas before. Is this for security reasons?

[kprocivic]

Originally Posted by NemesisX

AMEX has told my dad to use travelers' checks over a credit card overseas before. Is this for security reasons?

that's why amex is amex. no one really accepts them any more and most banks don't even carry them.

[BMW F22]

Originally Posted by Flying Ace

ehhh...I'm not so sure about that. You'll have to prove it with points math, b/c points not the same for both companies. When you spend $1 how many Hyatt points do you receive?

I know for sure, 10,000 Marriott points can redeem for up to a $150 night stay.

It takes $1 spend to earn 1 Marriott point, so this translates to $10,000 spend to get $150 of value back or 1.5% value/cash back , (3% value back per $1 spend for restaurant spending and 7.5% on Marriott spending).

What's the Hyatt numbers look like in that respect?

Also you can't jus t look at Courtyard Marriott Munich.... Even though it's a "Courtyard", it may be a Cat 7 hotel, so it'll take more points as the cash price of the hotel that takes 45k points could be $300 a night.

Points earned are similar to Marriott I think. You'll have to look it up on thepointguy.com. The Hyatt card is the number one hotel card IIRC. Marriott card I have read over and over that they have amongst the worst point value.

[OneRib]

Originally Posted by NemesisX

AMEX has told my dad to use travelers' checks over a credit card overseas before. Is this for security reasons?

It's because they don't want to lose business to Visa and MasterCard. That's like Mercedes telling a potential buyer to use paddle shifters instead of a true manual because they don't have a manual transmission option.

[Jaghave]

Only debit cards

[T.Stanley]

Originally Posted by insanecoder

Dont forget.. oh whats your first name
then later on oh whats your last name

- SSN
- Date of Birth
- Driver License Number
- Pin Numbers
- Username/Passwords

[BimmerRookie]

I'll play, granted I don't have too long of a credit history or income history:

Chase Sapphire
United Airlines
Southwest Airlines
AMEX Platinum

+Few other company cards, HSA, debit, health insurance, starbucks, 100k ticket value D&B card (not a joke), etc.

[danniexi]

Originally Posted by BimmerRookie

100k ticket value D&B card (not a joke

damn son.

[fecurtis]

Originally Posted by insanecoder

Theres alot of
what you are wearing
what your house is like
who your fav girlfriend is
how much you make
how much land you own
YOU GUYZ work for the NSA or somethin?

What's your mother's maiden name?

[UncleWede]

H-D card
Health Savings Card
Debit card
$5 BedBathBeyond Visa with unknown balance

[JasonCSU]

Originally Posted by OneRib

If you travel a decent amount I'd recommend these.

Chase Sapphire Preferred
Starwood Prefered Amex
Citi Prestige

All have signup bonuses, transferable points, no foreign transaction fees, and bonus categories.

Chase card also lets you pool points from Chase Freedom and Chase Freedom Unlimited, includes trip cancellation insurance, primary rental car insurance, and first year fee waived.

SPG Amex has the widest range of airline transfer partners, credit towards Starwood elite status, access to Sheraton lounges, and first year fee waived.

Citi Prestige offers 4th night free hotel stay, trip cancellation insurance, primary rental car insurance, $250 annual airline credit, Priority Club membership, and until next July Admirals Lounge Access.

Even with the fees from these cards, you usually make out ahead as long as you would normally benefit from the perks.

The travel perks of the Chase Sapphire Preferred card really are nice to have. I ended up needing to make a claim using the primary rental car insurance a couple of years back, and while the claim process did require a shit ton of documentation, it was taken care of.

[Z K]

By far the best gas card: PenFed Cash Rewards Plus - 5% back on all gas purchases, unlimited cash back

I use Citi Double Cash for most regular purchases because it gets 2% cash back on all purchases.

[KingOfJericho]

Amex Platinum
Amex Everyday Preferred (best card, IMHO)
Chase Sapphire Preferred
Chase Freedom
Citi Thank You Premier

[kchu221]

License
AMEX plat
Chase sapphire preffered
Chase debit
Chase freedom
AAA card
Insurance card
Las Vegas MLIFE card
Costco card

[MKSixer]

Originally Posted by kchu221

License
AMEX plat
Chase sapphire preffered
Chase debit
Chase freedom
AAA card
Insurance card
Las Vegas MLIFE card
Costco card

When I glanced at this it originally looked like Las Vegas MILF card...

[Flying Ace]

Originally Posted by MKSixer

When I glanced at this it originally looked like Las Vegas MILF card...

I'd like to get my hands on one of them...

[Flying Ace]

Originally Posted by JasonCSU

The travel perks of the Chase Sapphire Preferred card really are nice to have. I ended up needing to make a claim using the primary rental car insurance a couple of years back, and while the claim process did require a shit ton of documentation, it was taken care of.

AMEX Plat also offers similar coverage for insurance. They basically covers the full cost of the car/fix up to the depreciable value.

[KingOfJericho]

Originally Posted by Flying Ace

AMEX Plat also offers similar coverage for insurance. They basically covers the full cost of the car/fix up to the depreciable value.

We got a flat tire and did not have tire coverage when we were in Italy. Even though we declined that coverage, Amex covered the night in the hotel plus the cost of the tire - all I did was scan them the receipt from both. Really outstanding service. One year they even refunded me the unused $200 airline credit when I tried to demote to Gold from Plat.

[MKSixer]

Originally Posted by Flying Ace

I'd like to get my hands on one of them...

This is a fantastic market idea. Anyone here work for AMEX, MC, DC, DISC, or VISA?

[MKSixer]

Originally Posted by KingOfJericho

We got a flat tire and did not have tire coverage when we were in Italy. Even though we declined that coverage, Amex covered the night in the hotel plus the cost of the tire - all I did was scan them the receipt from both. Really outstanding service. One year they even refunded me the unused $200 airline credit when I tried to demote to Gold from Plat.

This is one of the most valuable benefits for anyone who travels. I cannot tell you how many times they have come through in travel emergencies. I will always keep an AMEX card.

[David70]

Why so many credit cards? I have a personal Amex Starwood (Sheraton, Westin, Etc), Costco Visa (because Amex isn't accepted so many places) and a work credit card. Can't see the reason why so many have far more credit cards or why I would ever get another one.

[MKSixer]

Originally Posted by David70

Why so many credit cards? I have a personal Amex Starwood (Sheraton, Westin, Etc), Costco Visa (because Amex isn't accepted so many places) and a work credit card. Can't see the reason why so many have far more credit cards or why I would ever get another one.

I have 2 cards that I use only for internet purchases.