4 ms·
Platinum, Gold and BCE. I don't really like the Platinum but then I got a huge SUB and the benefits, credits and perks outweigh the $695 AF. It's just complex
by CalChris 3y ago
Platinum, Gold and BCE.
I don't really like the Platinum but then I got a huge SUB and the benefits, credits and perks outweigh the $695 AF. It's just complex to use to get AF back.
I really like the Gold. It's has a $250 AF and $240 in easy to use credits.
The BCE is $0 AF and 3% cash back from online retail purchase. The BBP is also good, 2x on everything and no AF. A quadfecta.
I used to use debit only but I didn't get anything from this. I'm happy with Amex but I may revisit the Platinum.
How you play this depends on whether you do points or cash or both. I lean toward points but really I do both.
- charlie0 3y agoI use BCE, but only for that sweet 5% cashback at supermarkets.
- CalChris 3y agoBCE is 3% cash for groceries, online retail + gas which is pretty good for $0 AF. Still, I use the Gold Card for groceries and restaurants, 4X points and 3x on flights. There are other eco systems, Chase + Capital One. There are hotel cards (Ritz Carlton which is a Marriott card), airline cards (Alaska Airlines Visa). The whole thing becomes a game of which card where and using credits and benefits to justify the AF. But it's second nature to me at this point. Apple Pay and probably Google Pay makes this easy. I rarely use a physical card. Occasionally, Amex gets declined (grill inside an Indian casino late at night on I5, weird). Then I just use a Visa debit. In modern traveling, you need Visa as a backup. Visa is pretty universal.