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Hi Fishes, How much money can we keep in our salary account? I have only 1 bank account which is salary account. I have created RD account in that only. So wanted to know what's the maximum amount we need to keep in salary account? And all the amount in our salary account is taxable? Accenture Tata Consultancy Infosys Cognizant Wipro Amazon Amdocs Yahoo Capgemini Citi
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1. Chase has really good transfer partners, namely Hyatt.
2. If you have multiple chase cards you can set up the trifecta which makes you a points earning machine.
3. If you book travel in the chase portal you get 5x or more additional points.
4. CSP has great sign up bonuses that are often enticing.
5. 2% cash back is different than 2x as I can turn my points into something with a lot more value that 2% cash (for example a hotel night redeemed at 5 cents per point).
There will always be a travel partner available to you on the route you want because of how many airline alliances exist and your ability to book for example an American Airlines flight with jet blue points. You can google information about transfer partners but there’s a ton of options.
With chase sapphire reserve, you get 3% cash back for all travel and dining but you can pay yourself back for 50% more so it’s effectively 4.5% back. So depends on your spending in those categories. Plus you get the $300 travel credit so it costs effectively $250/year. I use citi double cash for everything else and CSR for all dining and travel. I have also used the car insurance and trip delay insurance a couple times.
Preferred has higher sign up bonus right now and is only $95 annual fee of which $50 can be immediately returned via hotel booking making it very easy to get to $95 of value for the card.
Reserve is a $550 annual fee and it’s not like
Amex where they’ll give you credits or extra bonus points if you challenge it. The card also stopped offering a lot of the perks that made the annual fee worth it (used to get $60 a year in door dash credits, Lyft pink, etc) but now those are gone. You do get a $300 travel credit so the annual fee nets you $250 but I have a hard time justifying the cost especially with better cards like the Capital One venture x that gets you lounge access and is only $395 with a $300 travel credit and 10k bonus points on card anniversary.
Preferred is better based on current offerings.
Is the savor card even worth it? $95 fee for 4% on dining, but the savor one is free and gives 3%. Or the citi custom cash gives 5% on highest category.
Ah didn't know that was a thing. That's pretty sweet then.
F this thread. I have a couple of basic credit cards, but I’m trying to actively play the game.
I was talking about r/creditcards