I got an American Express card
I’ve been thinking about it for a while, and I decided to get an American Express card. Actually, I decided to use it mostly for Costco shopping, since they don’t accept any other card, and I don’t carry money in my chequing account – or carry cash with me. After doing my research, I decided to get the Blue Sky card.
The Blue Sky card is a travel points card with no annual fee. Basically, you earn 1.25 points for every $1 spent, which means I’m really getting 1.25% back on every purchase. My CIBC Visa gives me 1% cash back, so that means the Blue Sky card is going to be a better deal for me. And if I spend $3,000 in the first 6 months, I’ll get 12,000 bonus points.
And yes, I know that with the Visa I have, I get the 1% cash back every year, whereas with this Amex, I have to use it for travel – but if I’m going to be traveling, I might as well earn the extra 0.25%. Plus, there are no blackout dates, no travel restrictions, and I can use it for flights, hotels, car rentals, and vacation packages. I can even use it for seat sales and last-minute getaway deals. I love the flexibility that gives me.
So instead of just using the card occasionally, I’m going to use it as my main card (wherever Amex is accepted) until we go traveling. If I can take even just a few hundred dollars off of our plane tickets, that’s worth it to me.
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The credit card brings so many irresistible temptations for me. I know I should be careful not to overspend and wallow in debt again.
I was in that deep hole of debts for a good number of years. It wasn't easy, but I realize it had to happen. I needed the nightmares & restless moments that my financial woes gave me; otherwise, I wouldn't have learned my lesson. I wouldn't have changed and would have been stuck to being the materialistic person that I was before.
So, after taking extra part-time jobs, scrimping, saving, paying my bills, and searching for sound debt elimination tips, I'm finally free of debt. Best of all, I'm more frugal now, more matured and wiser coming out of that experience. ;)
[...] since I got my American Express card back in October, I’ve already earned over $200 towards our plane tickets for our trip next [...]