AMEX/Visa credit card combo vs standalone Visa?

2 replies

westie

Qantas - Qantas Frequent Flyer

Member since 19 Oct 2014

Total posts 18

AMEX/Visa credit card combo vs standalone Visa? I'm chasing a Qantas FF earning credit card, and am caught between a combo AMEX/Visa account earning 1.5 and 0.5 pts/$ respectively versus a standalone Visa earning 1pt/$. From experience, what suggestions and recommendations are out there? I'm trying to optimise points earning.

For a bit more background, there's a $100/yr difference on the accounts, with the standalone Visa being more expensive ($350 vs $250 and free first year). The pair of cards account earns 40k bonus points whereas the Visa account earns 60k bonus FF points.

Greg84

Member since 03 Nov 2014

Total posts 127

Depends where you spend most...if most is on fuel, groceries I'd go Amex/Visa. $100 is actaully quite a few QFF points...It's 15,000 points to redeem a $100 voucher, so you'd have to get an additonal 15,000 points on your spend to breakeven. Unless you're spending $30k or more on Visa, you're better off going the combo & look for places that take Amex in my opinion...

gippsflyer

Qantas - Qantas Frequent Flyer

Member since 10 Jan 2013

Total posts 162

Point earn rates outside of AMEX are generally sad (and we definitely get the raw end of the stick here in Australia compared to our American cousins who have some lovely credit card offers). 

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