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Discussion in 'Newbies' started by jamesdt7, Aug 10, 2015.
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Help by filling out the poll!
For what purpose? Is this some student project? Consulting work for a credit card company?
See his/her explanation here.
Also posted in my post below to reduce confusion.
This is the explanation for the question in the above poll.
A couple of comments for the OP:
Your poll question is a bit confusing. What you seem to intend to ask is "which credit card is best for earnings that can be redeemed for free business class flights to Europe?"
The answer what is best for you will depend on a number of factors, including which carrier you fly on paid tickets, how often you fly on paid tickets, and how much you charge for everything on a monthly or quarterly basis. Let me explain.
Which carrier you fly on paid tickets: If you have a credit card associated with a particular airline, that card will usually give you double miles for charging airplane tickets on that carrier. For that reason, it makes sense to have a card associated with the carrier you normally fly, even if you use it only to charge tickets on that airline, in order to capture the "double miles" on that charge.
How often you fly on paid tickets: If you're a truly frequent flyer, the double miles should mount up fast, while if you're only an occasional flyer the miles are going to have to come from somewhere else, either additional purchases that you charge to that card, or by redeeming/converting "points" earned on other credit cards. For example, the Starwood Preferred Guest (SPG) AMEX allows you to earn one Starpoint per dollar on charges (and sometimes more, depending on whether you stay at Starwood properties). For many air carriers, Starwood will allow you to convert (redeem) 20,000 Starpoints for 25,000 air miles. Other cards have similar conversion capabilities, e.g., the "Travel Package" redemption through Marriott Rewards (you can earn Marriott Rewards points through the Marriott Rewards VISA issued by Chase) where you can actually get one air mile per point under certain circumstances involving large numbers of points.
How much you charge for everything on a monthly or quarterly basis: Most cards will give you one or two points or miles per dollar charged to the card, so if you can arrange to put a lot of charges on your card, you'll earn a lot of miles that way. If you can put business expenses on the credit card, or major payments like utility bills or mortgages, that can make the miles pile up. Additionally, many cards offer a sign-up bonus of up to 50,000 miles/points for new cardholders if you spend a specified amount (usually $1000 to $3000 but sometimes less) during the first few months you have that card. Some folks get a number of cards, doing it in sequence, charge to that card until they earn the bonus, then open another card and repeat (usually terminating the cards shortly after they earn the bonus so that later they can apply for that card again and earn the bonus again as a "new cardholder"). Sometimes people artificially generate charges on cards in order to reach the bonus amount or to increase the miles they earn from the card. Search for "Manufactured Spend" if you're interested in how this is done. However it has some down-side risks.
The above is just a start, but it can help point you in the direction of free business class travel to Europe.
Also how much cash in addition to miles you are ok to spend matters a lot.
Thanks for doing this, @Counsellor !
I would say that EU Business is a toss up. If you're okay with paying Taxes/fees then AA/BA has imo more availability than UA/LH. If you don't want to pay high taxes/fees then UA.
I have heard good things about VS flights to London being "readily" available using DL miles but I myself have 0 experience with DL.
In addition to @Counsellor questions ... if you could give us more insight on your situation and possibly where/what categories you spend the most on it would be helpful.