Go Back   CruiseMates Cruise Community and Forums > People > Chit - Chat for Cruisers

Chit - Chat for Cruisers Open Forum for non-cruise posts. Please refrain from inflammatory rhetoric that could be considered offensive. We reserve the right to edit or delete for any reason.

Reply
 
Thread Tools Search this Thread Display Modes
  #1  
Old December 14th, 2014, 07:47 PM
storybookcruises.com's Avatar
storybookcruises.com storybookcruises.com is offline
Moderator
Admiral
 
Join Date: Aug 2011
Location: Cape Coral, FL
Posts: 2,306
Default Which Credit Card Has The Best Benefits

You always see these commercials about earning points with every purchase that can be used for free flights, free cruises, etc. Some cards advertise that the points can be used on any airline, while others are only good for one airline.

So let's hear what you have to say about your experiences with some of these cards - both good and bad. Any one of them that you would recommend as a good deal? Any of them you would suggest to stay away from? Is it better to get a card from one airline, like United? Or is it better to get something like Capitol One that can be used on all airlines?

I have a very good friend of mine who has a United Airlines credit card and uses it for everything - and I mean everything including all her groceries, gas, insurance, phone, utilities, and even her mortgage! She's very disciplined and makes sure she pays the card in full at the end of every month. She earns enough mileage that every year she can fly for free to her timeshare in Belize where she spends two weeks scuba diving.

But I've often wondered whether that United card is better or worse than Capital One.

I know alot of my clients have credit cards from a cruise line and it helps them get upgrades, onboard credit, or free cruises.

I'm sure any comments you have would be appreciated by others.

Pete
__________________
Travel Agent/Cruise Specialist w/16 yrs exp and 51 Cruises on 12 different cruise lines in many parts of the world! VIETNAM VETERAN OWNED & OPERATED. Certified Accessible Travel Advocate. Specializing in unsurpassed personal service to insure you have a hassle-free vacation!
Reply With Quote
  #2  
Old December 14th, 2014, 08:40 PM
Manuel Manuel is offline
Senior Member
Admiral
 
Join Date: Sep 2005
Location: Palm Coast, Florida
Posts: 24,556
Default

Pete, we pay for everything with American Express / Delta Sky miles card.
We have flown to Europe several times on first class by using our miles. This coming April we are flying first class to Honolulu. This will be our second trip to Hawaii using Delta Sky Miles.


We are quite happy with card and it works well for us.


TM
__________________
CRUISES
Century 4/1998
Mercury 4/2000+4/2006+7/2007
Sensation 4/2002
Infinity 4/2003
Summit 4/2004+4/2005
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Solstice 4/2009
Oasis 4/2010+4/13/2013
Allure 1/16/ 2011
Equinox 4/11/2011+4/4/2016
Independence 12/29/13
Vision OTS 2-14-2015
Freedom OTS 3/6/16
Reply With Quote
  #3  
Old December 15th, 2014, 01:30 AM
Mike M's Avatar
Mike M Mike M is offline
Administrator
Admiral
 
Join Date: Jul 2004
Location: You're Looking At Me
Posts: 24,366
Default

I like the Amex Platinum card. It more than pays for itself in benefits. $200 reimbursement for additional fees (other than upgrades) for your chosen airline.

Cruise OBC on a number of cruise lines.

Excellent point system. You can pay with points on American Express Travel site. You can also transfer your points to miles on a one for one basis for most major airlines.

You can also use points for wide variety of purchases for travel, retail, hotels, restaurants, etc.. Also the Customer Service is excellent.

It also gives you access to the Delta airport lounges and to the Priority Pass lounges around the world. This is a great benefit if you have layovers or flight delays. Also the new Centurion lounges at JFK, DFW and Las Vegas are the nicest lounges I've seen.

Luckily my brokerage firm pays for my Amex Platinum and also my wife's but I would pay the $450 annual fee in a heartbeat to keep it.

I would not have even thought about having a $450/year card but once you have it you are spoiled and I have recouped the equivalent of $450 each year that I've had it.

Take care,
Mike
__________________
Cruisemates Community Leader/Moderator

"There is a great difference between being well traveled and just having been to many places." ~Me

"Fear is the assassin of dreams." ~Me
Reply With Quote
  #4  
Old December 15th, 2014, 08:04 AM
green_rd's Avatar
green_rd green_rd is offline
Senior Member
Admiral
 
Join Date: May 2008
Location: Indianapolis (USA)
Posts: 6,753
Default

Am looking forward to the wisdom of the masses here.

We did a Carnival card and did a free cruise, jr. suite. Currently with Manuel on the Delta Amex, not sure if we should stick with it. We're pretty happy with it but some small businesses don't accept AmEx because of their higher fees.
__________________
Bob

All I ask is a tall ship and a star to steer her by; John Masefield
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
Celebrity: Summit 2011
Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014, Regal 2014, 2016, 2018, Crown 2019
Sail Croatia 2018
Sail Windjammer: Mandalay 2017
Star Clippers: Royal Clipper 2015
Reply With Quote
  #5  
Old December 15th, 2014, 08:06 AM
green_rd's Avatar
green_rd green_rd is offline
Senior Member
Admiral
 
Join Date: May 2008
Location: Indianapolis (USA)
Posts: 6,753
Default

Here is a site for those seeking the "best" card. A lot of info, but I suppose the answer is personal. http://The Points Guy
__________________
Bob

All I ask is a tall ship and a star to steer her by; John Masefield
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
Celebrity: Summit 2011
Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014, Regal 2014, 2016, 2018, Crown 2019
Sail Croatia 2018
Sail Windjammer: Mandalay 2017
Star Clippers: Royal Clipper 2015
Reply With Quote
  #6  
Old December 15th, 2014, 08:35 AM
Manuel Manuel is offline
Senior Member
Admiral
 
Join Date: Sep 2005
Location: Palm Coast, Florida
Posts: 24,556
Default

As Bob said, the answer is personal.


No one card will work for everyone.


TM
__________________
CRUISES
Century 4/1998
Mercury 4/2000+4/2006+7/2007
Sensation 4/2002
Infinity 4/2003
Summit 4/2004+4/2005
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Solstice 4/2009
Oasis 4/2010+4/13/2013
Allure 1/16/ 2011
Equinox 4/11/2011+4/4/2016
Independence 12/29/13
Vision OTS 2-14-2015
Freedom OTS 3/6/16
Reply With Quote
  #7  
Old December 22nd, 2014, 10:18 PM
OldFartCruiser's Avatar
OldFartCruiser OldFartCruiser is offline
Senior Member
Cruise Maniac
 
Join Date: Jan 2011
Location: Ship's Balcony
Posts: 247
Default

As someone said, not one card does everything. Have a Chase card that gives me 3% on all types of travel. Have another card that gives 3% on gas, restaurants & supermarkets, we use when other cards are not giving 5% for those places. My everyday card pays 2% on everything. You probably think I carry a lot of cards, but only have 2 or 3 in my wallet at any one time. As a reminder in my advanced years, I have to tape the offer on the front of the card.

I always apply for every card offer I receive in the mail that gives $100 or more worth of points or 30000 or more airline points after spending $1000 in 3 months. If they want to dirty up my mailbox, they pay. When I receive the card I call my TA; since I always have upcoming cruises I tell the TA to pay $1000 toward one of my cruises. Received one a few days ago that gives me $250 after spending $500 in 3 months.

O F C'er
__________________
Experiences over the years enabled me to have all the answers, but not necessarily corresponding with your questions.
Reply With Quote
  #8  
Old December 24th, 2014, 03:15 PM
AR AR is offline
Senior Member
Admiral
 
Join Date: Sep 2005
Posts: 2,597
Default

It is absolutely true that there's no single right answer.

Nobody's mentioned what's probably the single most important factor: Do you pay your balance in full every month or do you carry a balance and pay interest? Naturally if you pay interest you should try to find the lowest interest card you can. In my opinion you should also review your finances because even low credit card rates are way too high. If you pay every month you should shop around until you find the one you can play like a violin based on your preferred perks, your spending levels, etc.

If you care about your credit score (I don't particularly although I check it occasionally just for fun) you should be careful about signing up for many cards as somebody suggested. The more you do this the more your credit score will be reduced. Credit reporting outfits take a dim view of this practice. We have the same two cards we've had for years. They have massive credit lines and very high interest rates that we never pay. And they have large perks that match our lifestyle.

Seems like that's about all you can do.
__________________
The most dangerous man in society is the man who has nothing left to lose. -- Saul Bellow
Reply With Quote
  #9  
Old January 5th, 2015, 05:02 PM
BernieG BernieG is offline
Senior Member
First Mate
 
Join Date: Feb 2013
Posts: 373
Default

I have an Amex Gold Travel Card. 4x the points on Groceries, Gas, Entertainment, etc. I try and push everything through here and the points can be redeemed towards anything travel related. Haven't paid one dime of interest yet on that card but it does have a $99 annual fee.

My spouse has an Alaska Airlines MasterCard with the $99 annual companion ticket. That one we love for the companion ticket alone! Just saved us $1,400 on our Christmas/New Years flights.
Reply With Quote
  #10  
Old January 6th, 2015, 05:25 PM
aerospace aerospace is offline
Senior Member
Admiral
 
Join Date: Jan 2012
Location: Dallas, Tx
Posts: 1,002
Default

Best bet is to have a few cards.

The united one I had offered free luggage on any ticket, so if you fly often that alone could be worth a lot. It also offered one free companion fare per year and one at $99, access to the lounges etc.

If your getting just one card a 2% cash back on everything is your best choice. Simple, no category changes, easy to use. Just pay off the balance!
__________________
List of cheap solo cruises
Cruise Food Gallery


BOOKED: Holland Oosterdam May 25; 7N ship, 4N Anchorage, 6N Denali, 5N Denver
11 cruises in 2012, 90 nights at sea visiting 15 countries
8 cruises in 2013, 56 nights at sea visiting 7 countries
Reply With Quote
Reply

Bookmarks

Tags
america, express, forum, open

Similar Threads
Thread Thread Starter Forum Replies Last Post
Sign/Sailing Card and Credit Card/Cash deposit rick15325 Princess Cruise Lines 5 July 13th, 2009 10:40 AM
What are the Platinum Card benefits (10 or more)? bjcourt Carnival Cruise Lines 9 August 14th, 2008 11:15 AM
credit card vs any expired magnetic strip card for the safe Michelle1959 Carnival Cruise Lines 18 July 13th, 2007 12:33 PM
Can u pay Sail&Sighn card w/Credit card... tips too??? LadyInAwe First-Time Cruisers 7 March 1st, 2006 09:38 AM
Best Credit Card Benefits Boyd Ask CruiseMates Staff 3 August 26th, 2005 09:30 AM


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

 

All times are GMT -4. The time now is 11:23 AM.
design by: Themes by Design