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re: Credit Card Rewards and Points Discussion
Posted on 7/21/16 at 12:08 am to txtiger79
Posted on 7/21/16 at 12:08 am to txtiger79
Do you have to wait a certain period of time before Chase will give you rewards? I just cancelled my Ink Business Plus card about a month ago, and saw a commercial for 60,000 bonus pts with minimum spend. Are they likely to let me reapply for a card I just cancelled or will they deny me?
Posted on 7/21/16 at 8:28 am to LSUGUMBO
As long as it has been at least 2 years (24 months) since you got your last bonus (if any), you are eligible to apply and get the signing bonus on Chase cards, including the Ink.
Here is an offer for 60K: LINK.
You may be able to get an extra 10K match from Chase. If you get approved, report back and I can let you know how.
Here is an offer for 60K: LINK.
You may be able to get an extra 10K match from Chase. If you get approved, report back and I can let you know how.
Posted on 7/21/16 at 8:39 am to AmeriKop45
quote:
You may be able to get an extra 10K match from Chase. If you get approved, report back and I can let you know how.
I got the extra 10k match
I've booked 3 straight trips at redemption .02+. That 10k is a pretty huge upgrade
Posted on 7/21/16 at 8:41 am to GenesChin
Oh fun fact I found out about, Hyatt's policy is no blackout reward dates as long as standard rate rooms are available.
Basically, if you are trying to book Park City Centric for New Years ski trip that is $1000+/night on points, they will let you book it for 15,000 points despite no redemption available online.
Basically, if you are trying to book Park City Centric for New Years ski trip that is $1000+/night on points, they will let you book it for 15,000 points despite no redemption available online.
Posted on 7/21/16 at 8:46 am to GenesChin
Interesting. I booked a Hyatt points redemption over the phone a month ago that wasn't available online. I thought it was because I sweet talked the agent...turns out I was wrong :(
Posted on 7/21/16 at 9:07 am to AmeriKop45
quote:
s long as it has been at least 2 years (24 months) since you got your last bonus (if any), you are eligible to apply and get the signing bonus on Chase cards, including the Ink.
Ok- I'm fixing to get the 50,000 from my new personal CSP, but I don't think my LLC has gotten a reward in a while. Does that make a difference? If the annual fee was waived the first year, I'd definitely apply for it, but I don't want to spend $95 and not get the bonus.
Posted on 7/21/16 at 9:29 am to LSUGUMBO
quote:
Ok- I'm fixing to get the 50,000 from my new personal CSP, but I don't think my LLC has gotten a reward in a while. Does that make a difference? If the annual fee was waived the first year, I'd definitely apply for it, but I don't want to spend $95 and not get the bonus
CSP and Ink are two different products. One will not affect the other. Keep calm and apply
quote:
Oh fun fact I found out about, Hyatt's policy is no blackout reward dates as long as standard rate rooms are available.
Hyatt and every other chain. If you see standard room availability and it is not showing you a points rate, simply call in and they will be able to book. Hyatt, SPG, Hilton..doesn't matter.
This post was edited on 7/21/16 at 9:31 am
Posted on 7/21/16 at 11:17 am to AmeriKop45
I'm looking at a flight on SW to Mexico and it would cost me 19k miles + $88 in fees roundtrip. It would be $400 without the points. Value wise, would this be a good choice to use the points? TIA
Posted on 7/21/16 at 11:31 am to tigers444
Looks like it would be a 1.64c/point redemption. That is a solid redemption in my experience.
Generally speaking, SW seems to value $1 at 70 points which is ~1.4c per point from what I have read. Anything above that is gravy train
Generally speaking, SW seems to value $1 at 70 points which is ~1.4c per point from what I have read. Anything above that is gravy train
This post was edited on 7/21/16 at 11:38 am
Posted on 7/21/16 at 11:53 am to GenesChin
quote:
Looks like it would be a 1.64c/point redemption.
How do you calculate this exactly? thx
Posted on 7/21/16 at 11:57 am to LSUregit
quote:
How do you calculate this exactly? thx
$400 = 19k + $88 fees
$318 = 19k points (take out fees which are in both prices)
$318/(19,000) = Value of 1 Point (Divide by how many points to get value of each point)
1.64c = 1 point
This post was edited on 7/21/16 at 11:58 am
Posted on 7/21/16 at 1:03 pm to AmeriKop45
quote:
CSP and Ink are two different products. One will not affect the other. Keep calm and apply
I just looked back and the card I cancelled last month was an Ink Business Card that I got about 6 months ago. I'm sure they won't award the bonus to me again since I just cancelled the same card that I'm applying for a month ago.
Posted on 7/21/16 at 1:43 pm to LSUGUMBO
Again - If you open this app link, you will notice the terms are: "This new cardmember bonus offer is not available to either (i) current cardmembers of this business credit card, or (ii) previous cardmembers of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months."
This holds for all Chase cards. If you are not eligible for the bonus, Chase will deny you. But if you have not received this bonus in the last 24 months and get the card using something like the offer above, you will be eligible for the 60K points.
tigers444
Building on what GenesChin accurately described, I must add that I don't bother myself with the value of SW points typically. This is because SW points are revenue based. As long as SW is selling a ticket on a flight, that seat can be had for a formula driven amount of points. SW points typically come out to value around 1.4c-1.7c per point. Difference is marginal. This is unlike Zone or distance based programs where the per point value is much more relevant.
This holds for all Chase cards. If you are not eligible for the bonus, Chase will deny you. But if you have not received this bonus in the last 24 months and get the card using something like the offer above, you will be eligible for the 60K points.
tigers444
quote:
I'm looking at a flight on SW to Mexico and it would cost me 19k miles + $88 in fees roundtrip. It would be $400 without the points. Value wise, would this be a good choice to use the points? TIA
Building on what GenesChin accurately described, I must add that I don't bother myself with the value of SW points typically. This is because SW points are revenue based. As long as SW is selling a ticket on a flight, that seat can be had for a formula driven amount of points. SW points typically come out to value around 1.4c-1.7c per point. Difference is marginal. This is unlike Zone or distance based programs where the per point value is much more relevant.
This post was edited on 7/21/16 at 1:48 pm
Posted on 7/21/16 at 1:51 pm to GenesChin
Thanks for both replies! I was trying to figure out how to factor in the fees.
Posted on 7/21/16 at 1:52 pm to AmeriKop45
quote:
SW points typically come out to value around 1.4c-1.7c per point.
This.
Posted on 7/21/16 at 1:53 pm to AmeriKop45
That makes sense now. I have some points to use and what threw me off were the fees and if it was worth it. Thatnks for the clarification of the type of points they are.
Posted on 7/21/16 at 1:55 pm to tigers444
quote:
Thanks for both replies! I was trying to figure out how to factor in the fees.
You aren't going to be screwed by redeeming SW points if you transfer from UR.
The value per point to really pay attention to is hotels. With Hyatt I've seen everything from garbage <1c/point to just booked a hotel for ~3.5c/point
Posted on 7/21/16 at 2:15 pm to GenesChin
quote:
You aren't going to be screwed by redeeming SW points if you transfer from UR.
If you have the CP, this is actually the top redemption for Chase UR. Difficult to regularly and easily find 2.8-3.4cpp otherwise.
Posted on 7/21/16 at 3:30 pm to AmeriKop45
quote:
Difficult to regularly and easily find 2.8-3.4cpp otherwise.
I've been regularly finding 2-2.5 with Hyatt. All my vacations holidays so it works out to about that at a minimum
Posted on 7/21/16 at 7:12 pm to GenesChin
So transferring 1:1 from chase ultimate to SW is a good bang for the buck on them? Or are there hotels like Hyatt that are more valuable by booking through chase ultimate consistently? I'll be getting the 50k bonus on CSP soon and I'm weighing our options.
Our credit card use is modest I guess but we've averaged about $2,500/mo for the past year and a half on the chase SW until opening the CSP. Just paying it off each week and racking up pts/bonuses.
Our credit card use is modest I guess but we've averaged about $2,500/mo for the past year and a half on the chase SW until opening the CSP. Just paying it off each week and racking up pts/bonuses.
This post was edited on 7/21/16 at 7:13 pm
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