Experiences with Chase Sapphire, American Express Gold, Delta SkyMiles

Every once in a while I like to add to the old credit card information on this site. Here are some friends talking about their current travel rewards credit cards. If you haven’t yet commented on which card you recommend, or if it’s been a few years, please add something below. For example in 2009, a number of you liked the Starwood American Express card. How about now?

Chase Sapphire

Hands down the best earning card I carry and my go-to for virtually all of my spend. Some highlights:

– Double points on all dining, hotel, airline and car rental spend

– 7% annual dividend on points earned, so each dollar you spend is effectively worth 1.07 points and 2.14 in the above-mentioned categories

– Decent sign-up bonuses (I got 50k, there are currently 40k offers)

– $95 annual fee (not cheap but lower than some airline cards)

– No foreign exchange fee for international transactions

– It’s a Visa, so more merchants accept it (AmEx more limited, especially overseas)

– Transfer points to United, British Airways, Korean Air, Southwest, Marriott, Hyatt, Ritz-Carlton, Amtrak, and some others.

If you want a card with good flexibility for points earning, this one is my best advice. However, if you are also looking for ancillary travel benefits (free checked bags, lounge access, elite status with hotels/car rentals, etc.) or primarily fly airlines like Delta or US Airways who are outside the program, then there may be other cards out there with a better value proposition for you. In terms of the ‘total package’, in my view this card is pretty damn good.

Right now you can get a 40k offer and annual fee waived after $3000 spend in 3 months.

I’m partial to AMEX Gold Card

Its a bit pricey ($195) annually but I get triple points on airfare and double on fuel. As a frequent traveler for work I do a lot of flying and driving so I rack up a lot of points. The fee is well worth it of you will be traveling a lot.

Points can be redeemed for almost anything you can think of. I’ve used points for first class vacations with my wife, Calloway irons, weber grill, and a gift card towards granite counter tops in our house.

I also travel for work, so a 10 or 15k monthly credit card bill is typical (sometimes more) and the miles add up and there is almost nothing you can’t get with them (electronics, airline tickets, complete vacations, gift cards, etc.)

Amex Delta SkyMiles

I use it for work travel and a bunch of other stuff. My Christmas is almost paid for, I’ve used the miles to pay for trips for my family, and I’m sitting here right now in first on a flight home about to be served dinner. It’s pretty sweet what you can accumulate from these cards.

When you fly economy the free checked bag saves you $25 every flight.

Filed Under: Travel credit cards

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Comments (2)

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  1. John says:

    I agree, the points REALLY add up. I like Chase Sapphire too…if you have a business, adding Chase Bold Ink cards is a huge plus. You can share the points between the chase cards.

    For further infos on points, I check out this guy.


    good luck!

  2. […] See also: Cruise miles credit cards, Chase Sapphire, American Express Gold, and other rewards cards […]

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