AF or no-AF?
Do you rely on no-AF cards in your deck, only cards with AF for maximum return, or a mix of both?
Mar 4th, 2018 6:28 pm
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Mar 5th, 2018 6:57 am
Mar 5th, 2018 7:42 am
SPG is a very niche card. It is a perceived value and locks you into Starwood properties (ie no air bnb).
Mar 5th, 2018 9:17 am
I used to feel the exact same way until I did the math. By paying a $100 annual fee I could be getting an additional $400/year in cash back. I kicked myself for not doing the math earlier.
Mar 5th, 2018 9:44 am
Mar 5th, 2018 9:46 am
Mar 5th, 2018 10:17 am
The other thing to keep in mind for SPG points is that they are transferable to many airline partners (with most airlines having a transfer ratio of 20k SPG = 25k miles). A lot of folks like having that flexibility to use their points, and attribute a certain amount of value to the ability to convert. Another way to look at it is that it is a good way to buy hard-to-come-by points (such as Lufthansa) if you need them.mech9t5 wrote: ↑ SPG is a very niche card. It is a perceived value and locks you into Starwood properties (ie no air bnb).
Paying an extra $100 in AF is not really worth it.
People will tell you that you will get 3-4% return but those are not easily found and you will really have to make your travel plans around getting that "value". Not only that, their perceived return of 3-4% doesn't take into account discounts you might get on sites like Hotwire or loyalty credits on sites like Orbitz.
As an example, I went to Abbotsford last month. There were hotels.com gift cards for 15% off. On top of that there was a 10% off coupon. I ended up paying $80 a night after tax.
SPG doesn't even have a property in Abbotsford.
I also just came back from Vancouver. Scored a deal at the Pacific Rim for $190 after tax. The equivalent SPG property would have been at least 12000 pts which would be a $12k spend. That's a 1.6% return.
To me SPG points arent that useful or worthwhile and you have to pay $120 for the card. I have had about 18k SPG points for almost a year and have done 6 trips. None of the trips gave me at least 2% value or didn't have a property that was convenient. So I couldn't use the points.
Points that you have to sit on is not useful.
Mar 5th, 2018 10:38 am
You still have cards with AF, but qualify for AF waivers. Adding this to the poll would just overcomplicate it, hence the ability to discuss in thread.
Mar 5th, 2018 7:09 pm