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Looking for feedback! I'm planning to apply for an airline credit card/traveler's credit card and I'm currently down to two options - I'm either going to get a general one with Chase Sapphire Preferred Rewards or an airline specific one with Delta Skymiles. But, I'd love to get thoughts/opinions from anyone who travels a lot. Who do you use? Pros/cons? Would you go with a different rewards program now if you could? Thanks!
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I don't travel a lot. I have a United Mileage Plus card that is airline specific and I have a few other cards that earn cash rewards. I also have a Delta Skymiles rewards account (not a CC). I much prefer the others to the United card. But I prefer a wider range of rewards options than simply air travel. I'm not sure about the Skymiles program but I've found airfare rewards to be a PITA. It might be different if I travelled a lot....
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It's not air rewards and if you're set on the airline thing no biggie but I have a first national bank credit card that as long as you have the rewards direct deposited into your checking/savings account, you get 2% cash back on everything with no cap. I prefer that flexibility, personally and it's the best cash back reward out there from what I've found.
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I have a Delta Skymiles Platinum Card with Amex (I started with the gold). The major caveat is that I live in a metro that has a Delta hub, so I fly them 95% of the time. If you don't use Delta as you primary airline I would look at a generic travel card.
Pros: Free checked bags, priority boarding, 2x miles for in flight purchases, reduced price for the sky lounge, annual companion pass w/the Platinum Card after the first year (you just pay 75 bucks or so for the taxes on the ticket), great sign up bonuses with minimum spend in the first 3 months or something (I think the best bonus comes in July). Amex has great customer service. No international fees, and they give you free rental insurance when use your card to book a car.
Cons: annual fee (usually waived for the first year, but it pays for itself with the companion pass), companion pass expires after a year, you need to spend some coin to get the signup bonus miles, the points/miles are only available for Delta.
I don't think you can get them to give you the gold and platinum bonus miles combined unless you sign up for both cards. I started with the gold then upgraded after a year, closing the gold and rolling my credit limit into the platinum so it didn't impact my credit score.
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