1. Have you looked into Morgan Stanley American Express Platinum Card ? It offers the almost the same benefit as a MB card except the benefits for Mercedes owners however Morgan Stanley allows a free additional card. Any other Platinum card charges $175 for up to 3 additional users. So in the case where you rather just have an additional user then MS makes more sense.

  2. awesome post. it would be really impressive if you did this for more credit cards and rank them from best to worst!

  3. regarding the Amex Platinum re-imbursement it works fine if it shows up as coming from the airline directly, but when you buy miles or even accessories from certain carriers like AA it shows up as coming from points.com and they won’t re-imburse you.

  4. Running out of tomorrow!

    “Tomorrow I’ll be listing the top current sign up bonuses for rewards credit cards.”

  5. So how, then, are we to value Chase Ink Bold (50k) and Ink Classic (25k) with lucrative 5x UR points on office purchases and the ability to use for Amex Prepaid cards to generate 5x returns for everything? Ink Bold comes with 50k UR points but a hefty $10k spend required in 3 mos; 1st yr fee waived, then $95; Classic, 25k UR and $5k spend in 3 mos with no annual fee. Which, if either, is the better deal using the rebate percentage method? Any thoughts?

  6. Great site!

    I may be missing something, but shouldn’t the miles/points earned from the spend required to hit the signup bonus be included in your calculations above? Seems particularly relevant for the rebate percentage method.

    For example, in a 1 point/$0.01 currency, if you have a $10,000 minimum spend requirement for a 50,000 point bonus, your methodology would show a 5% rebate percentage. However, in addition to the 50,000 point bonus, you’re also earning 10,000 points from the $10,000 in spending (assuming 1 point/$), so in reality your rebate percentage would be 6%.

    Including this factor makes it easier to compare apples to apples between using a card to fulfill a minimum spend vs. a card without a signup bonus but with a good general spending rewards percentage.

  7. Thanks for the comparison structure but how do you value membership reward points at 1.8c/point and avios points at 1.7c/point?


  8. Hey Scott,

    Does the Benz card still over the $200 of airline credit/year and the Global Access fee waived? I couldn’t find anywhere in the current offer those two perks.


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