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Credit Cards Strategy

Discussion in 'questions. answers. conversations.' started by Newmanache, Jun 18, 2017.

  1. Newmanache

    Newmanache New Member

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    My son is a 3rd year med student and wants to get one cc. He plans on flying to Australia once or twice yearly from NY in premier economy. Usually Qantas but is open to other carriers.
    He currently has Chase Freedom unlimited and as a student prefers a no fee card
    Which would be best strategy for him?
  2. MidSouth Skier

    MidSouth Skier Well-Known Member

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    Welcome @Newmanache -
    free cards are great, especially if you haven't had a cc before, but typically are not good for earning airline rewards. For example, the Freedom Unlimited card he has is free and earns Ultimate Rewards (UR) points but unless you also have a UR-earning card that charges an annual fee, you can't transfer the URs to an airline. Instead you use them as cash-back against purchases made via the UR portal at a value of 1 cent per point.

    Frequent flyer seats to Australia can be hard to come by though they're a little easier if he's willing to fly in economy.

    If he's willing to pay $95 for the Chase Sapphire Preferred, he can then transfer his URs to Virgin Atlantic (for example) and use those points to get a seat on a Virgin Australia flight.

    Does that help? Let us know if you have further questions.