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Discussion in 'Credit Talk' started by steve, May 26, 2001.
Thanks very much.
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I don't know but the continental card has a large anual fee
How much is the fee?
Upon Approval and
payment of $65
(4000 Bonus OnePass
Miles Upon approval and
payment of $45 annual
Thanks George, do you know if Chase will let me do an account transfer from my regular Platinum to the Continental Platinum card without a hard inquiry?
I WOULD ASSUME SO...
Just call and ask...
"CAN I TRADE CARDS WITH-OUT ANY QUESTIONS OR CREDIT REPORTS" ???
As silly as it may seem, Chase may and probably will pull a new hard inquiry if you switch cards.They did w/me.I was able to get them to remove it but it took 2 months and it was not my idea of fun.
I've got a Plat. Shell MC ($7.5k now at 14.9) and a Plat. Visa ($15k at 5.9 - they keep giving me new "intro" rates -- I love them!)
When I asked about combining, the rep. I spoke with a few months back said they had to be the same card (Visa to Visa, MC to MC).
Then again, why upset the apple cart (I told myself) - I'll keep 'em and use the MC for purchases (free gas) and the Visa for Bal Xfrs (since they aren't charging me for xfrs).
I'd just go ahead and apply for either one, based on your needs. Remember, it takes 20k miles to get a free ticket - and you have to wait until you've charged ALL of it to get your reward. If you fly CO, then it adds up quickly. If you don't, that same $20k in charges could be a few hundred bucks in free gas at Shell.
Use 'em for your best benefit-
UNITED IS 25,000
ISN'T CONTINENTAL THE SAME???
I think 20,000 miles gets you a round trip ticket with restrictions while 25,000 miles gets you an unrestricted round trip ticket. The main reason I'm seriously considering this card is because you can combine the miles with the ones you get from the Continental Frequent Flyer program. I also find that Continental offers some of the best rates so this looks like a good combo for me (good rates + miles by flying and miles by charging).
I was thinking about going for an AMEX Gold with Membership Rewards to get the ability to combine frequent flyer miles with earned miles, but the total annual fee for that comes to $75 + $40 = $115 which is almost double of the Chase card ($65) and AMEX isn't accepted everywhere.
DELTA AND UNITED FLY OUT OF DENVER...CONTINENTAL BASICALLY GONE.
Steve - I'd rethink that if you travel anywhere from "moderate" level to "road warrior" level.
The Amex Rewards Plus card does cost a little more, but since it's non-revolving, there's no interest (or limits).
The 2x points during the first year at travel partners (all airlines and hotels on the mem. rewards program) really adds up -- 1.5x after the 1st year isn't bad either.
WIth mem. rewards points you can xfer them directly to a program (like Starwood, Hilton, Marriortt, Priority Club -- or Continental, Delta) or you can cash them in for Amex rewards (they have cruises, hotel nights, upgrades, etc.). I still like Diners because they're "universal" but Amex does have a good number of partners AND the "accelerators" like 2x at grocery stores (sometimes) as well as the Gold Rewards Plus bonus.
A FEW OTHER THINGS ... that may sway you -- buyer protection (you break it/it never arrives/etc.) covers anything you buy with the card. BEST VALUE GUARANTEE is unbelievable - find it cheaper, they reimburse you. All it took for me to get a $200 check was to fax a few sheets and wait 30 days. That paid the annual fee for almost 2 years!!
I like Chase - don't get me wrong, they offer some iunbeliavably low rates for bal. transfers and a high level of service- but if you want to get a boat-load of points quickly, and get awesome service and value add-ons, look to the Rewards Plus gold card 1st.
Steve - I forgot to add- I don't think you get bonuses for charging CO airfare on the CO card from Chase- 2x in 1st year and 1.5x in future years on Amex Rewards Plus Gold. That should make up for the additional $85/year on Rewards+ Gold (note, you also get 5 additional cards for that fee, and you can register all Amex cards into membership rewards - including any corporate cards that are eligible).
As for Amex not being accepted everywhere -- I'd give you that on Diners (it's for travel, so I understand that and use it that way) -- but Amex? There's very VERY few places I can't use it (Stop & Shop is the only one I can think of- and I just got a letter from Amex asking me for some more details, I think they're making a pitch to Stop & Shop).
Good luck --
mj. I already have an AMEX Blue and Optima Platinum so I get the return protection and best value guarantee with them, along with good interest rates. The main problem I'm having with getting lots of quick points is that I can only pay my graduate school tuition with Visa / MC since they don't take AMEX or Discover. So far I'm using my Sony Citibank card to do this since I get Sony points for no annual fee. The AMEX Rewards Plus Gold looks good for getting points, but it's just too bad that I can't charge my tuition on it.