A Reader Writes:
Hello MJ! Hope you don’t mind, but I have a question for you. I have two cc’s – one is a very limited travel perks one, the other has travel bennies I hear, but honestly, I care only about the “Notes” I get. I do not like having lots of cards – and let’s be frank, I have no organizational skills/abilities so managing multiple cards is impossible for me. That said, if I were to venture into the third card world, knowing I likely won’t ever get another – which card would be your ultimate? My goal – flexibility/versatility on airlines mileage/upgrades, and hotels nights would be great too I think. I have a MileagePlus Visa and Nordstrom Visa (it’s not the MOD, it’s a regular Visa). Thanks MJ!
MJ on Travel Responds
All things equal, if I could carry only one credit card, it would be the Chase Sapphire Preferred Visa which offers 40,000 ultimate rewards points after spending $3000 in the first 3 months after account opening. 2 points per dollar for travel and dining expenses, 1 point per dollar for all other purchases. Ultimate Rewards transfer to several big frequency programs like United, British Airways, Marriott and more at the rate of 1 for 1. Based on the situation you described, I think it is the perfect card for you.
Disclosure: If you apply for and receive a credit card through the links in this post, I will receive a referral bonus.