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RE: Restaurant Charges – SPG Business Card or Chase Sapphire Preferred

I am curious about which card to use for restaurant spend – The SPG AMEX Business Card at 4x per $1 or the Chase Sapphire Preferred at 2x per $1?
Initially most would look at this and think it sounds like crazy question, but we have to look at how things are valued.

I was a SPG AMEX user for MANY years until the merger between Marriott/SPG caused my points from spend to devalue. My everyday spend went from 1x per $1 to 2X per $1 but at the same time the amount of points needed for hotels/airlines tripled. That equates to more spend needed to get what I was accustomed to. This sank my spirit so I shelfed my Personal AMEX SPG all together and will only bring it back out if they have a special deal out there making me get AT LEAST 3x per $1 spent. I turned to Chase to come to my rescue and I hold many Chase cards now but haven’t had a chance to really use any Chase points yet through airlines or hotel stays.

To keep this question simple.. I just would like your thoughts on restaurant spend. Do I get more value out of SPG Amex Business at 4X/dollar or is the Chase Sapphire Preferred at 2x/dollar the way to go? Keep in mind, at this time I do not have the CSR in my wallet due to the annual fee at the 5/24 rule.

I look forward to your update on this.
Thank you, Katrina Blaufuss

I have had the regular Hyatt Visa card for several years, and my wife has an additional card. Do you know if my wife could apply for the newer World of Hyatt Visa card, and be eligible for the bonus points? Thanks

In most cases, being listed as an authorized user on someone else’s card does not prohibit you from applying for your own card and earning a sign-up bonus. You mentioned “additional card” and I assume you mean she is an authorized user on your account. If so, and if she is below the 5/24, I believe she can still get the bonus points from Hyatt 🙂

Hi Steve!

My understanding is that if your wife is an existing Hyatt cardholder, she would not be eligible for the new welcome bonus as it’s only for brand new cardholders.

Quick question, can i transfer my spg points to any airline account other than my own? My wife is short 5k, which i can cover from my account, but want to know if i can?

Now you can share your points with any other member.

Transfer 1,000 points or more—up to a maximum of 100,000 points per year.

Just contact Member Support at (888) 625-4988 to start sharing.

If this falls under GIFTING, then 5000 points would cost $62.50!!

If the Marriott way is still active, you can send 30,000 points for a $10 charge and I do not remember if that was only when you had the same address on your account or not…

Sorry.. Not sure if that helps.

Is there a way to know which points to use? For example, I want to book a flight – I can either use 50,000 AA miles or transfer 30,000 Chase UR to BA. Which would be the better use of my miles/points?

PS – the cash price for the flight is $775.

Can you tell me which credit card I should apply for to save up enough points to go from Tampa, Florida to (Los Angeles or Hawaii ) to Fiji to Bora Bora to New Zealand then back to Tampa, FL. I would like to get 2 roundtrip airlines if possible using points. I don’t have a business, so some of the credit cards I’m not eligible to apply for. Or do you have anyone else that took a trip like this that I can learn from. Thank you

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