Another week has gone by and its time for me to summarize this week’s posts for those who have missed out. Links are provided to each one for curiosity.
I went back to basics this week in only doing credit card reviews. You will see some different kinds of posts next week to keep it interesting.
I started off the week by reviewing Capital One’s flagship travel card. The Venture has a nice sign-up bonus and earns at a high flat rate. But points earned are worth less (or even worthless) if you can’t redeem them for anything of value.
I wanted to like this card especially since Capital One entered the transferrable points card niche. But what I found was not comparable to similar cards from the “Big Three” of transferrable points (Chase, Amex, and Citi). Most (if not all) if Capital One’s partners are international airlines. Plus, Capital One devalues their own miles by 25% if you choose to transfer to a partner.
This card has a $95 annual fee that’s not worth paying in most cases. International travelers would be better off with an Amex MR-earning card or a Citi Thank You point-earning card. Domestic travelers and hotel lovers would be better off with an Amex MR-earning card or a Chase UR-earning card.
On Tuesday, I reviewed the newly-rebranded Marriott Bonvoy Card the hotel chain’s rebranding. Formerly known as the Amex SPG Card, this card leaves a lot to be desired. This is only exacerbated by its $95 annual fee, which is waived the first year.
The Marriott Bonvoy Card has a meager earning structure and perks. However, it does have a limited-time sign-up bonus worth 100,000 points. This bonus can be earned after spending $5,000 in the first 3 months.
I continued the Marriott trend on Thursday by reviewing the Marriott Bonvoy Brilliant Card. This card used to be called the Amex SPG Luxury Card. It has a $450 annual fee (NOT waived the first year) and some nice perks to boot.
This card was the by far most useful and valuable of the four that I reviewed this week. Its earning structure lets card-members earn 3x points at Restaurants and on Airfare (booked directly with the airline). This is in addition to the regular 6x points at Marriott hotels and 2x points everywhere else.
Like its “little sibling”, the Brilliant Card has the same 100,000-point bonus for the same minimum spend. But it comes with more perks including Marriott Gold Status, up to two free nights, and a $300 annual statement credit. These three perks can justify the card’s large annual fee if used properly.
Therefore, this is the only personal Marriott card that I would recommend to anyone.
On Friday, I reviewed a dud of a Delta card in the Blue SkyMiles Card. As a no annual fee card, the Delta Blue Card is a great downgrade option for those who want to keep their account history. But that’s where the value ends.
This card has a meager earning structure (despite having the best one of the four Delta cards) and a small sign-up bonus. It will save you 20% on in-flight purchases, but that’s all because there are no other perks.
The Delta Gold Card is a much better option for Delta fans, despite its $95 annual fee. It has more perks that will justify the annual fee and bring you more value.
I hope that everyone has a great Sunday! Stay posted for more content next week!