I am booking an United Flight using miles. There is a $10 additional charge to miles. I have chase sapphire reserve, United Explorer Mileage plus and AMEX Platinum cards. Which card should I use or should I split between 3 cards even to get all coverage like extra baggage, upgrade and missing baggage protection?

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I recommend using CSR to get its trip protections unless you need the baggage coverage from the Explorer card. I don’t think UA will let you split the payment.

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You’re not gonna get an upgrade for putting $10 worth of fees on a card.

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Some cards require you pay the full amount for the trip to receive the benefits, like the Amex travel accident and evacuation insurance. Just check which one has the best coverage for the particular plan you have and use it.

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PwC - yes it didn’t allow me to split and yes I went with CSR as it has best benefits

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Just put it all on your explorer card. If it doesn’t have trip insurance (on top of the bag), why have it at all?

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