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re: Credit Card Rewards and Points Discussion
Posted on 9/1/14 at 5:02 pm to Drew Orleans
Posted on 9/1/14 at 5:02 pm to Drew Orleans
quote:
Wife has a cc with meh rewards and I have never had a cc. Never bothered to get one. Other than a Barclays card for a Mac I bought. Which ones would be good starters for each of us to get.
Need to know your spend habits to really give good advice. Also need to have an idea of what kind of rewards you want with the card (travel,cash back etc). You get the most bang IMO transferring "miles/points" to various airlines and using them to book flights. With this mindset, it is just picking a card that will let you maximize points based on your spending habits with the end goal of travel rewards. If you don't travel you probably want to go a cash back route.
1
Posted on 9/8/14 at 9:17 am to hiltacular
What CC, sans CSP, has the best sign up bonus right now? Any 100k points offers out there right now besides the targeted Amex Plat?
Posted on 9/8/14 at 11:33 am to BACONisMEATcandy
Not a whole lot of good offers out there out of the ordinary. Might see a few offers with the holiday season coming up. I'm app free until January and I'm hoping SW is still offering their 50k point cards. I'd like to get companion pass as I've got at least 3 flights with them next year. I'm doing a lot of spending on my United biz to hopefully justify them giving me another biz line.
On another note, I just got 15k United points for calling to cancel my personal card. $95 annual fee. Solid value IMO. About $7k spend.
In 2 weeks I'll call to cancel my wife's Amex SPG. No reason to pay 2 annual fees as I'll keep mine, but I'm curious to see what is offered. Results are a mixed bag on FT.
On another note, I just got 15k United points for calling to cancel my personal card. $95 annual fee. Solid value IMO. About $7k spend.
In 2 weeks I'll call to cancel my wife's Amex SPG. No reason to pay 2 annual fees as I'll keep mine, but I'm curious to see what is offered. Results are a mixed bag on FT.
Posted on 9/8/14 at 11:54 am to LSUAfro
I wish that 100k AA was still around 
Posted on 9/8/14 at 12:22 pm to BACONisMEATcandy
Me too. Incredible offer for $200 and lounge access for a year. $10k in 3 months is a steep hill though.
Posted on 9/8/14 at 12:41 pm to BACONisMEATcandy
quote:
What CC, sans CSP, has the best sign up bonus right now? Any 100k points offers out there right now besides the targeted Amex Plat?
I know of the targeted offer you listed above and then some 50K offers for both the regular amex PR gold and the delta amex gold. I think I have a referral email for the delta gold if you want me to forward it to you to check out.
Posted on 9/8/14 at 12:54 pm to hiltacular
I have the DL Reserve -therefore I cannot get the DL Gold Bonus
I have considered getting the business but not worth the risk IMO
I have considered getting the business but not worth the risk IMO
Posted on 9/8/14 at 1:38 pm to BACONisMEATcandy
quote:What risk you talkin' bout, Bacon?
I have considered getting the business but not worth the risk IMO
I think Teddy has an Amex biz card(Could be making this up) and probably running it through his SSN and not an EIN.
This post was edited on 9/8/14 at 1:39 pm
Posted on 9/8/14 at 4:23 pm to LSUAfro
quote:
What risk you talkin' bout, Bacon
Nothing most people have to worry about
I could get away with it using our family business but it's not something I am ready to do as of right now 
Posted on 9/8/14 at 4:55 pm to LSUAfro
quote:
I think Teddy has an Amex biz card(Could be making this up) and probably running it through his SSN and not an EIN.
Chase Ink Bold and Plus using SSN.
Haven't tried with anybody else, but maybe I should? I have a lot of dusty business plans in my closet.
My max is probably one per bank. After one, they ask a billion questions and you probably should have an actual business to show them data with if they ask.
With me, I'm independent enough from my employer where it isn't difficult for me to be in my own business on a dime, so I don't feel like I'm fibbing too much.
This post was edited on 9/8/14 at 4:58 pm
Posted on 9/9/14 at 8:34 am to Teddy Ruxpin
quote:If you need the points, it's not a bad idea to LLC one of those dusty plans and do an apporama. I'm sure that's a painless process for you. The Citi biz AA platinum can be churned repeatedly.
Haven't tried with anybody else, but maybe I should?
A Couple years down the road, rinse/repeat with another dusty biz plan
. quote:
My max is probably one per bank. After one, they ask a billion questions and you probably should have an actual business to show them data with if they ask.
Chase actually requested several documents from me for my first United Biz card under my legit LLC, yet they let my wife get the Ink plus no questions asked under her SSN.
Posted on 9/9/14 at 9:10 am to LSUAfro
I also found something out I did not know. I was under the impression that ANY change made to a United award ticket for a non-elite required a $75 fee. It does not.
I have been able to change every leg on my award ticket(two stopovers and one open jaw) without a fee online with the exception of one route. On that route, I called to get it changed and after it was done I was informed that it would be $75 and I told them never mind that in the past there was no fee and they waived it. I just kept waiting for the better routes to release award space over the last 2 months and without rhyme or reason(to my uneducated mind) they open up, close up, and re-open sporadically.
The more you know....
ETA: Origin and destination remained the same.
I have been able to change every leg on my award ticket(two stopovers and one open jaw) without a fee online with the exception of one route. On that route, I called to get it changed and after it was done I was informed that it would be $75 and I told them never mind that in the past there was no fee and they waived it. I just kept waiting for the better routes to release award space over the last 2 months and without rhyme or reason(to my uneducated mind) they open up, close up, and re-open sporadically.
The more you know....
ETA: Origin and destination remained the same.
This post was edited on 9/9/14 at 9:16 am
Posted on 9/9/14 at 9:59 am to LSUAfro
Ya I've only messed with changing award flights when an after booking airline change created a layover conflict or materially changed a trip. They were fine with that.
Nice to keep a lookout for. So far I've had pretty good luck getting the routing I want the first time. Thanks for the tip
Nice to keep a lookout for. So far I've had pretty good luck getting the routing I want the first time. Thanks for the tip
This post was edited on 9/9/14 at 10:00 am
Posted on 9/10/14 at 10:00 am to Teddy Ruxpin
The $200 airline eCert trick is pretty sweet for the Amex Platinum, basically knocks the fee from $450 down to $250 if you look at it that way.
Posted on 9/10/14 at 10:04 am to hiltacular
quote:
The $200 airline eCert trick is pretty sweet for the Amex Platinum, basically knocks the fee from $450 down to $250 if you look at it that way.
I got a targeted 60k offer for this the other day, but I'm waiting it out for a better offer/don't need it this minute. I have been using my Starwood card more lately so hopefully that plays into it.
This post was edited on 9/10/14 at 10:05 am
Posted on 9/10/14 at 5:39 pm to Teddy Ruxpin
Bad news...Amazon Payments is eliminating person to person payments in October. RIP Amazon Payments - it was fantastic for years.
Check your inbox for the following release:
Check your inbox for the following release:
quote:
Greetings from Amazon Payments:
Each year we send out a notice to every person who has an active Amazon Payments account. This notice is not a bill; it contains important information about our privacy practices, changes we are making to the availability of certain services, and how you can report errors or unauthorized transactions related to your account.
We appreciate the trust that you have put in Amazon Payments by using our services and want to make sure you are informed about our policies and practices. We know that you care how information about you is used and shared. To help you understand our privacy practices, we have detailed how we collect, use and safeguard your personal and financial information in our Privacy Notice (LINK ).
Our Unauthorized Transaction Policy (LINK ) describes how you can report to us any billing errors or unauthorized transactions involving the use of your account balance or registered bank account. It also describes our liability and your rights for these types of errors or transactions.
Additionally, we have updated the terms and conditions of our User Agreement (LINK ) that apply to your use of the products and services provided by Amazon Payments. Our updated User Agreement revises certain terms (including, among other things, the elimination of person-to-person payments). Our new User Agreement will become effective on October 13, 2014, which is more than 30 days from when we first posted our updated User Agreement. By continuing to use our services after October 13, 2014, you are agreeing to be bound by the terms and conditions of our new User Agreement.
Please take a moment to review our Privacy Notice (LINK ), Unauthorized Transaction Policy (LINK ), and User Agreement (LINK ). They may be found by clicking the User Agreement/Policies link on our web site at payments.amazon.com.
If you have questions or concerns about this information, please contact us by signing in to your Amazon Payments account and clicking on the Contact Us link (LINK ) or by writing to us at Amazon Payments, Attn: Compliance, P.O. Box 81226 Seattle, Washington 98108-1226.
Thank you for using Amazon Payments.
Sincerely,
The Amazon Payments Team
Posted on 9/10/14 at 5:40 pm to JustinTI
Sucks for those using it. I could never get a partner in on that so I feel ok about it.
Btw I feel humbled you chose to post in our thread, Mr. 9 post a year
Btw I feel humbled you chose to post in our thread, Mr. 9 post a year
This post was edited on 9/10/14 at 5:42 pm
Posted on 9/10/14 at 5:49 pm to Teddy Ruxpin
quote:
Btw I feel humbled you chose to post in our thread, Mr. 9 post a year
Haha. I'll lurk and read the threads that interest me. If I have something worthwhile to add, I'll chime in. Travel stuff will usually get me to post something. I've been big into miles/points for a while now too. I've reaped their rewards, so I try to help out if I have something unique to add.
Posted on 9/10/14 at 6:32 pm to JustinTI
Good stuff. I always wonder how many lurkers may be benefitting from these threads
Posted on 9/11/14 at 7:46 am to Teddy Ruxpin
quote:
Sucks for those using it
Yes, yes it does.
It is still available for business use which is okay with me. We all knew this time was coming and when you have bloggers like TPG writing articles read by tens of thousands, that process is accelerated.
The option is still there to help meet min spend requirements, so that is a plus although it comes with a 2.9% fee.
This post was edited on 9/11/14 at 7:47 am
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