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re: Credit Card Rewards and Points Discussion

Posted on 6/16/17 at 9:58 am to
Posted by Fat Harry
70115
Member since Mar 2005
2212 posts
Posted on 6/16/17 at 9:58 am to
If you have a business card like the Capital One Spark Business, go to Office Depot and buy prepaid cards. Mega points. Profit!
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27062 posts
Posted on 6/16/17 at 7:26 pm to
quote:

Is the csr still a good value, I missed out on the 100k points last year. I currently only have an amazon card.


Yes, but only if you will comfortably use your $300 travel credit every year. Tack on $20 per year value for Global Entry, and now you're down to $130 in annual fee. Between the triple points for travel and dining and the 50% travel redemption bonus, I see no reason to carry a Preferred in order to save $35 per year.
Posted by cfa626
Member since Apr 2016
561 posts
Posted on 6/19/17 at 1:01 pm to
If I have already hit Chase's 5/24, what are my odds of getting approved for their IHG and Southwest cards?

I've already done Bank of America, Barclaycard, Chase Hyatt, Sapphire Preferred..what's left?

I haven't applied for any cards since last August.

Looking to take a couple of short trips this fall. Denver and Seattle, possibly.

TIA
Posted by fatboydave
Fat boy land
Member since Aug 2004
17979 posts
Posted on 6/19/17 at 1:16 pm to
I thought if you were at 5/24 you were done for chase cards?
Posted by cfa626
Member since Apr 2016
561 posts
Posted on 6/19/17 at 1:21 pm to
quote:

I thought if you were at 5/24 you were done for chase cards?


I've heard that, but I've also heard that you can still get some of their partner cards, like Southwest, IHG, Hyatt, after 5/24.

I'm looking at a Delta card, United, Citi Thank You..I don't want to waste credit pulls on Chase if I'm going to get denied due to 5/24. Chase has the Marriott card too..why does Chase have to own everything?!
Posted by Dead Mike
Cell Block 4
Member since Mar 2010
3377 posts
Posted on 6/19/17 at 1:26 pm to
quote:

I thought if you were at 5/24 you were done for chase cards?


I think that there are some partner branded cards that are supposed to be excepted from the 5/24 policy (maybe Hyatt? not certain).
Posted by rintintin
Life is Life
Member since Nov 2008
16172 posts
Posted on 6/22/17 at 9:44 am to
Chase Freedom 5x's categories are officially out. The poster before was correct, restaurants and movie theaters.

This should be pretty easy to max out with the dining portion. Mainly with my monthly bar tab
Posted by Lazy But Talented
Member since Aug 2011
14444 posts
Posted on 6/22/17 at 10:29 am to
quote:

Chase Freedom 5x's categories are officially out. The poster before was correct, restaurants and movie theaters.


So should I use my freedom for dining this month instead of my CSR and just transfer the points over once I max out the category?
Posted by rintintin
Life is Life
Member since Nov 2008
16172 posts
Posted on 6/22/17 at 10:33 am to
Absolutely. 5x's rather than 3x's.

Kinda sucks that it overlaps though.
Posted by Lazy But Talented
Member since Aug 2011
14444 posts
Posted on 6/22/17 at 11:27 am to
I'll just suck at trying to remember to use the correct card.
Posted by metallica81788
NO
Member since Sep 2008
8432 posts
Posted on 6/22/17 at 1:24 pm to
Apparently Chase Hyatt will have sign up bonus of 40k Hyatt points instead of the 2 free nights.

Starting 6/29! Guess I'll have to jump on this soon before it changes.
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27062 posts
Posted on 6/22/17 at 1:43 pm to
quote:

Apparently Chase Hyatt will have sign up bonus of 40k Hyatt points instead of the 2 free nights.

Starting 6/29! Guess I'll have to jump on this soon before it changes.


As a technical matter, it's functionally a reduction from 60k points to 40k, which isn't massive. Obviously still less than ideal, however .
Posted by LSUregit
Member since Dec 2013
1620 posts
Posted on 6/22/17 at 2:25 pm to
All the bloggers fail to mention that the 2 hyatt free nights is a steal for Hyatt all inclusives. It allows 4 guests free of charge per room. Wife and I went with our daughter and a niece to Ziva Cancun in April and it was awesome. Would have cost over $1500 per night and we stayed 4 nights with two cards.

Switching to points will screw that up as it will only be good for two peeps.


- Not even two people. Ziva Cancun is 25k pts per night for two
This post was edited on 6/22/17 at 3:03 pm
Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 6/22/17 at 4:20 pm to
quote:

It allows 4 guests free of charge per room


Woah what? Really?

Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 6/22/17 at 4:23 pm to
quote:

I see no reason to carry a Preferred in order to save $35 per year.


I'd pay the $35 just for the lounge access + quick customer service


I get an immediate rep for CS everytime I've called thenumber in
Posted by Teddy Ruxpin
Member since Oct 2006
39576 posts
Posted on 6/22/17 at 6:20 pm to
He's saying compared to Reserve, there is no reason to hold a Preferred
Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 6/23/17 at 1:59 pm to
quote:


He's saying compared to Reserve, there is no reason to hold a Preferred


Probably should have clarified that I was saying I easily am break even with the preferred before factoring in the 1.5x booking bonus
Posted by bigblake
Member since Jun 2011
2501 posts
Posted on 6/23/17 at 7:33 pm to
(no message)
This post was edited on 7/23/17 at 11:05 pm
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27062 posts
Posted on 6/23/17 at 10:36 pm to
I've probably already spent $5,000 on travel and dining this year

And your math assumes solely using points via travel redemption, which strikes me as a bit disingenuous. Which, coincidentally, I type while lying in bed at a Hyatt I booked via point transfer.
Posted by bigblake
Member since Jun 2011
2501 posts
Posted on 6/24/17 at 5:57 am to
(no message)
This post was edited on 7/23/17 at 11:06 pm
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