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re: Credit Card Rewards and Points Discussion

Posted on 9/20/17 at 2:49 pm to
Posted by barry
Location, Location, Location
Member since Aug 2006
50336 posts
Posted on 9/20/17 at 2:49 pm to
Just a heads up Barclays Cashforward card has a $200 cash bonus after 1k in spend, usually its $100 bucks. No annual fee, 15 months no interest.

LINK
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 9/20/17 at 9:53 pm to
quote:

We're flying Iberia next year. JFK to Madrid. 3-5 days in Madrid and then on to Italy for 2-3 weeks.

I flew their "new" business class product from MIA-MAD last summer on Avios. It was a nice seat, mediocre soft product, but for the value it was a great deal. They pretty much routinely opened up 2 biz class awards on most flights, so it wasn't hard to find availability either. I feel like it's an under appreciated redemption on the travel blogs getting to Europe. Taking advantage of the transfer bonuses by AMEX it usually represents a pretty damn good value.

It left MIA at like 8 PM or something, so you have dinner and can get 6 hours or so of sleep in a lie flat.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 9/20/17 at 9:56 pm to
quote:

Any wine drinkers have an Amex, they have a pretty good deal right now, spend $50 online at Martha Stewart Wine and get $40 back.

Just bought 3 decent bottles of wine for $10.

Probably never go to that site again, but can't pass up cheap wine.

I hopped on this thanks to you. Just got the email that my order is delayed due to increased demand . Guessing a lot of people did the same.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 9/20/17 at 10:04 pm to
Here's an interesting thought for those with the BA companion pass.

Fly from New York to London to Singapore to Sydney for 210k Avios and $1700 in business class for 2 seats.

For those with the time, like to fly and make some fun stop overs, it's a pretty good deal for the amount of miles flown.



If the companion pass allowed you to fly non BA metal, that would be one of the best CC bonuses out there even at $30k spend.
This post was edited on 9/20/17 at 10:07 pm
Posted by Sho Nuff
Oahu
Member since Feb 2009
11896 posts
Posted on 9/21/17 at 4:38 am to
quote:

An easy one is Uber. You can use your Chase Reserve and earn 3x points for travel since Uber codes as travel.

Hadn't heard of this app. Just downloaded it. So it's a egift card? You buy whatever the ride costs and then pay with the cert or you just buy some beforehand and use the certs to pay for the rides you're taking? Seems like a good way to earn 4x though. Although I do have my SPG linked and I get extra SPG points using my SPG Amex.
Posted by Teddy Ruxpin
Member since Oct 2006
39545 posts
Posted on 9/21/17 at 7:24 am to
quote:

you just buy some beforehand and use the certs to pay for the rides you're taking?


This one. Works with Uber Eats too from what I'm told. Will be doing that soon enough.

It's just a little something extra here and there. My buddy cleans up at Petco for his dog. PSVue used to be on there too, so just keep an eye on the merchants.
Posted by trux83LSU
brandon, ms
Member since Dec 2006
2650 posts
Posted on 9/26/17 at 9:01 am to
I just downgraded my old sapphire to a freedom in the last 2 weeks. Do y'all think I need to wait to apply for a new sapphire for a bit? Also I'm an authorized user on my wifes sapphire preferred, will that affect me applying for a new one because of chases new rules on the sapphire?
Posted by brass2mouth
NOLA
Member since Jul 2007
19668 posts
Posted on 9/27/17 at 12:01 am to
Just applied for my sapphire reserve
Waiting game now. Hopefully I get it before I have to pay for my flooring in my house.
Posted by Teddy Ruxpin
Member since Oct 2006
39545 posts
Posted on 9/27/17 at 8:37 am to
quote:

Also I'm an authorized user on my wifes sapphire preferred, will that affect me applying for a new one because of chases new rules on the sapphire?


The AU will count towards your 5/24 if that is an issue for you.

quote:

Do y'all think I need to wait to apply for a new sapphire for a bit?


Unless you're in a hurry to get points for a redemption I see no reason not to wait a little longer to make sure it clears the system.
Posted by Wideman
Arlington, Virginia
Member since Jul 2005
11721 posts
Posted on 9/27/17 at 4:15 pm to
quote:

Also I'm an authorized user on my wifes sapphire preferred, will that affect me applying for a new one because of chases new rules on the sapphire?


The AU will count towards your 5/24 if that is an issue for you.


The new rules related to approvals for Sapphire is that a cardholder can only have one Sapphire (Reserve or Preferred). So if you are a current cardholder for the Preferred or the Reserve, you are not eligible for approval. Fortunately, being an AU on your wife's Preferred is not an issue here. This new rule only counts toward the primary cardholder. But as Teddy Ruxpin mentioned, the 5/24 rule includes cards for which you're an AU.
Posted by Teddy Ruxpin
Member since Oct 2006
39545 posts
Posted on 9/27/17 at 4:28 pm to
I'm still wondering when/if they'll raise Reserve signup bonus again. I'm sure we won't see 100k but having it the same as Preferred seems weird. Probably trying to recover all those acquisition costs.

You'd think 75k wouldn't be outrageous.
This post was edited on 9/27/17 at 4:29 pm
Posted by Wideman
Arlington, Virginia
Member since Jul 2005
11721 posts
Posted on 9/27/17 at 4:42 pm to
It might be a while. I've read a lot about Chase losing quite a bit on the Reserve so far, so I wouldn't expect an increase in that bonus any time soon. I think they'll make money on it eventually, but they've taken a hit this year.

In addition, you can see all the points/miles bloggers have stopped pushing the Reserve all of a sudden (TPG, One Mile At A Time, etc). Most likely because Chase has stopped giving them that nice referral bonus for the Reserve. They're still pushing the Preferred pretty hard.
Posted by Wideman
Arlington, Virginia
Member since Jul 2005
11721 posts
Posted on 9/27/17 at 4:44 pm to
By the way, I just found this thread. It's my new favorite on this site.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 9/27/17 at 7:28 pm to
I signed up for Rapid Rewards Plus and Premier today


4K spend in late December/ early January should net me 23 months of Southwest companion pass and 120,000 RR points.


That's a lot of flights. Time to plan some vacations.
Posted by TheChiefHasArrived
Member since Dec 2011
685 posts
Posted on 9/28/17 at 9:11 am to
Companion pass is a game-changer. Between the points, the flexibility of SW, and the companion the value is unreal. Mine expires on new years, making the wife get it starting next year.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 9/28/17 at 9:26 am to
quote:

Companion pass is a game-changer. Between the points, the flexibility of SW, and the companion the value is unreal. Mine expires on new years, making the wife get it starting next year.


the 60K bonus on both cards supposedly ends october 4th, just FYI


after that, it may go down to 40K

if you get them now, you should be able to have the bonuses post in January
Posted by TheChiefHasArrived
Member since Dec 2011
685 posts
Posted on 9/28/17 at 10:18 am to
Wow glad I posted. So should I just hold off on spending on them until December, January?
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 9/28/17 at 10:50 am to
Yeah

I messaged chase to see when my spending cutoff for the bonus was and it's mid January, so it's several weeks more than "3 months".


If your 2k shows up on December statement date, you may screw yourself.


There are long threads on slickdeals and Reddit detailing the whole process to make sure you get 2018 and 2019.
Posted by Teddy Ruxpin
Member since Oct 2006
39545 posts
Posted on 9/28/17 at 11:04 am to
Ya, my wife slips down under 5/24 in November. Supposedly the business 60k will stick around a while so I'll probably just wait.

Hit 60k and a 40/50k on personal isn't the worst thing in the world to make 110.
Posted by TheChiefHasArrived
Member since Dec 2011
685 posts
Posted on 9/28/17 at 6:09 pm to
Well the wife has an $800 delinquent Chase CC from college that kept her from being approved. Easy enough to pay now and definitely worth $800 for the companion pass. Her credit is 730 or so. What I'm wondering is if we pay it off what are the odds of her being approved for both cards, especially by 10/4? Is it worth paying off at all?
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