American Express. Compare: Credit Cards | CD Rates | Savings | Checking. Chase. Blog Archive » Sapphire Preferred, Starwood, Or Freedom? A Guide For Which Cards To Use For Any Purchase. Related posts: -Credit Card Benefits, Categorized By Benefit. -Does Opening And Closing Cards Hurt Your Credit Score? -The Best Credit Cards For Spending! -Credit Card Reconsideration: Don’t Give Up! -Need To Meet A Spending Threshold Deadline? Get Waived Fees On AMEX Gift Cards! -Need To Meet A Spending Threshold Deadline? The gist of the discussion as summarized by AsherO is this: Sapphire Preferred: -Dining and Travel -Foreign transactions. Starwood: -Purchases over $90 -Purchases where you may need to dispute the charge, return the item to AMEX within 90 days, or may need an extended warranty year.
Freedom: - Anything else Scroll down to the bottom of this post for a much more detailed spending summary, or feel free to read through the logic behind the answer, as follows. —————————————————— First a quick refresher. Ultimate Rewards is Chase’s point currency. To be fair though I guess their value would be the lowest rate at which I would use a mile. When to use each one? Chase UR Mall Earnings by Portal.