ST Alpha - "LIR: Spawn. Amex is a good non-Chase option. Their cards have some great earnings (4x on food/groceries) plus dining credits, Uber credits. But " (Reading a Post)

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LIR: Spawn. Amex is a good non-Chase option. Their cards have some great earnings (4x on food/groceries) plus dining credits, Uber credits. But

Posted by oblique (aka kkuphal) Aug 4 '21, 12:38

again, most point redemptions for non-Chase is relegated to travel so if you're not travelling, stick to the cash back.

Responses:

We just got a new Amex so my wife could move over the points from her corporate Amex without having to pay the annual fee. -- (edited) - znufrii Aug 4, 13:02
Amex also isn't accepted everywhere. There are some places that are MC/Visa only. -- nm - ty97 Aug 4, 12:47 19
- I haven't encountered any places that didn't take Amex, but there's at least one pizza place that won't take my Discover. -- nm - Max Aug 4, 13:04 2
  - yeah, I almost exclusively use AMEX and can't remember the last time it was an issue -- nm - decline Aug 4, 13:06
  - Tell them you will tip them an extra buck! -- nm - Spawn Aug 4, 13:05
- This is true, but it is at like 99% of places. We use our Hilton Amex for *everything* - JaxSean Aug 4, 12:56 12
  - oh, and Hilton made it easy to hit Diamond this year, so I'm earning Hilton points in good numbers again - ty97 Aug 4, 13:00
  - Yeah for Spawn I'd find one of the 1.5% or 2% cash back cards if any of those are taken apps right now. -- nm - ty97 Aug 4, 12:58 4
    - Eh, my Discover does 2%. -- nm - Spawn Aug 4, 12:59 3
      - There's definitely less places that take Discover than AmEx. -- nm - JaxSean Aug 4, 13:38
      - oh that's great -- nm - ty97 Aug 4, 13:01 1
        
        Yeah, that is their normal mode. Kinkos is about the only place I go that does not take it (and that is new). -- nm - Spawn Aug 4, 13:02
  - How do you find the Hilton redemptions? I'm a big fan of Hyatt's program mostly because I can get rooms for 5k or 8k points which seems WAY less than - oblique Aug 4, 12:57 5
    - So I get 3 Hilton Honors Bonus Points for each dollar of eligible purchases. I get 6X that for gas, grocery, and restaurants. 12x on hotel purchases. - JaxSean Aug 4, 13:14 2
      - ok. that's not bad. Figure 4.5 points per dollar average with a 30k average redemption. Comparable to 1 point per dollar and a 6.6k redemption. -- nm - oblique Aug 4, 13:18
      - you should go to a gas station and pump gas for, like, 50 people and get a free room!! -- nm - decline Aug 4, 13:16
    - It kinda depends on earning vs redeeming rate when comparing chains - ty97 Aug 4, 13:03 1
      - True. I never seem to earn quickly with the other programs but I also may be spoiled with the Chase -> Hyatt transfer -- nm - oblique Aug 4, 13:11
- True. -- nm - Spawn Aug 4, 12:54 2
  - Chase and AMEX really do have the two best suites of rewards cards though, so....is 30 years enough to try again? :) -- nm - ty97 Aug 4, 12:56 1
    - Maybe, but "What's in your wallet?" is so effing nosy. -- nm - Spawn Aug 4, 12:58
Costco, citi...we get 500 on average every year -- nm - zeitgeist Aug 4, 12:40
Card game is such a racket -- nm - budice Aug 4, 12:39

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LIR: Spawn. Amex is a good non-Chase option. Their cards have some great earnings (4x on food/groceries) plus dining credits, Uber credits. But

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