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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comments
But if you do travel then yeah, you’re better off with the Amex and if you truly Min Max everything, then as you listed above, you’ll have more travel perks with statements, lounge, and non travel benefits to make up for the heavy fee
My biggest regret with getting the CSR was travel perks. I travel with a partner and we try to travel as consciously of our surroundings as possible, so delta access would’ve been clutch.