Credit Card Rec?

Twilio
lalakeiso

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lalakeiso
Feb 5 23 Comments

I’m looking for a credit card now that I will be spending about 15k in late Feb and early March due to having a new baby.

So main thing I’m looking for is a card with a big sign on bonus but it seems like they all have high annual fees.

The ones I’m looking at

American Express Platinum:
Pro:
- 150k bonus points ($3k with shared airlines or $1.5k conservatively)
- Airport lounges (idk if I’ll use them often)
- Clear $179
- Uber eats $200
- Hotel credit $200
Cons:
- $200 airline credit is just for add ons
- 1x on purchases sucks
- Wouldn’t use other rewards
- Annual fee $695

Chase Sapphire Reserve
Pros:
- 50k bonus points ($750 with them or shared airlines or $500 conservatively)
- $300 annual travel credit for flights
- 3x points for dining
- Airport lounges
- Lyft membership (idk how much I’ll use it)
- DoorDash pass (idk how much I’ll use it)
Cons:
- Less points than AMEX
- Less lounges
- Annual fee $550

Capital One Venture X
Pros:
- 100k bonus points (about $1k)
- 10k miles every year ($100)
- $300 annual flight credit
- $200 vacation rental credit (one time)
- 2x on all purchases
- Credits pays off the card every year
Cons:
- annual fee $395
- It’s a new card so less reviews online

Or should I just start a trifecta? Or should I get 2 of these cards? Or other options?

Thanks

TC was 540k now is 390k
(Looking to switch jobs soon)

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