High End Credit Cards

High-end cards are the belle of the ball these days in the credit card world. They generate tremendous fees for the banks that issue them while offering consumers big benefits, such as travel credits and lounge access. Somewhere in there, the banks assume that you will become more loyal to the card and use it more frequently.*


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*Beginner’s Hint: High-end cards are often a great deal for the benefits they offer. The card may carry a $450 fee, for instance, but offer $300 in travel credits in addition to airport lounge access, hotel benefits, Global Entry credit, etc.

But just because you have the card doesn’t mean that you actually have to use it. American Express’s Platinum Card offers among the best benefits in the industry, but the Membership Rewards points that you earn when you use it are worth next to nothing. Take the cannoli, leave the points.


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    • Mike on September 3, 2017 at 8:17 pm
    • Reply

    I’m less worried about the credit pulls. I hate to say it, I’m past the point of no return. One or two more on me won’t make much of a difference.

    I think Spark for business tends to have a good combination of sign-up offer ($500) and payback (2%). First year free, so you can always dump it after that period. If all one cares about is the 2%, Citi double cash also gets the job done with no annual fee, but soft benefits at Cap One are generally pretty good.

    Personally, I have Quiksilver, but that’s on the way out now that the “buy 9 get one free” deal with Uber is over.

    • P on September 3, 2017 at 4:42 pm
    • Reply

    I would have to disagree. As a churner, there’s a lot of credit inquiries anyway, and there’s been DPs of getting approved even if you freeze your Experian with Capitalone. Of course, applying depends on the bonus offered. Their only attractive cards to me are their business cards.

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