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re: Credit Card Rewards and Points Discussion
Posted on 9/15/15 at 9:17 am to elleshoo9
Posted on 9/15/15 at 9:17 am to elleshoo9
quote:
I currently have the southwest rapid rewards card but I'm thinking of getting the capital one venture card to be able to use points for other airlines. Are there better options than the Venture without a large annual fee (>$100)? I put about $1500-2000 per month on my SW card.
The Capital One Venture is for suckers. It doesn't earn real transferable miles, it earns "Capital One Miles." The way to really use credit card points for travel is to transfer the points to (specific) airline miles, not book through the credit card travel site.
Get a Chase Sapphire Preferred. Or a Thank You Premier. Or a Preferred Rewards Gold Amex ($195/year, but you get $100 statement credit for airline spending).
Why You Shouldn't Get a Capital One Venture
This post was edited on 9/15/15 at 9:20 am
2
Posted on 9/16/15 at 2:07 pm to GaryMyMan
I'm stuck between deciding on a thankyou premier card or a chase sapphire preferred card
I know the chase is generally better, but I currently have 79,000 thank you points from my Forward card which are not transferable like regular thankyou points. If I get the Premier card I can combine the TY points and make them all transferable as well as improve other redemption options.
I'm thinking that gives the nod to the TYP card
I know the chase is generally better, but I currently have 79,000 thank you points from my Forward card which are not transferable like regular thankyou points. If I get the Premier card I can combine the TY points and make them all transferable as well as improve other redemption options.
I'm thinking that gives the nod to the TYP card
This post was edited on 9/16/15 at 2:08 pm
Posted on 9/16/15 at 2:11 pm to Croacka
quote:
I'm thinking that gives the nod to the TYP card
How many applications have you had the last 2 years? Since Chase won't let you get their UR cards if you have more than 5 in the last 2 years, I usually recommend to friends to get the CSP first, since Citi is going to let you have that Citi Premier without issue.
If you play the game even moderately aggressive, you'll never get back in to Chase cards. However, I don't see how they'll be able to keep that rule for very long IMO. 5 in two years is pretty small.
I'll also mention my plan is to rack up with the Premier which I have now, then get Prestige at a strategic time so I can leverage Thank You points at 1.6 cents on American instead of only at 1.25. Currently, that's a planned trip to Cuba using American from MSY to MIA to Caymans then Cayman Air to Havana.
This post was edited on 9/16/15 at 2:18 pm
Posted on 9/16/15 at 2:15 pm to GaryMyMan
quote:
The Capital One Venture is for suckers.
Still good for the signup bonus if you don't mind the 3 credit bureau hit.
But yes, the Citi Double Cash is way better than the Venture for every day spend since they are both effectively 2% cash back cards yet DC doesn't have an annual fee. If I was flying domestically only and sparingly, I'd just get that and be done with it. Sometimes you got to keep it simple.
If you fly a lot domestically, then things get more interesting.
This post was edited on 9/16/15 at 2:25 pm
Posted on 9/16/15 at 3:47 pm to Teddy Ruxpin
Just a heads up in case anyone is interested. Discover is running a promotion on their cards with Apple pay where you can get 10% back or 10 miles per dollar spent (It miles card) from now through the end of the year (up to $10,000) LINK.
Pretty good deal especially if you have some big purchases like electronics. Also, Discover is doubling your cashback or miles for the first year if you got a card recently. I don't know how that will work together, but there is some potential for some good rewards there.
Pretty good deal especially if you have some big purchases like electronics. Also, Discover is doubling your cashback or miles for the first year if you got a card recently. I don't know how that will work together, but there is some potential for some good rewards there.
Posted on 9/16/15 at 3:52 pm to Rolo Hardy
quote:
but there is some potential for some good rewards there.
"some" is a bit of an understatement
LINK
Posted on 9/16/15 at 4:00 pm to Teddy Ruxpin
I have less than 5
I don't cycle many cards. Really just getting into the points game. I've always gone after cash back cards
I don't cycle many cards. Really just getting into the points game. I've always gone after cash back cards
Posted on 9/16/15 at 7:05 pm to Teddy Ruxpin
Wow... Looks like I am adding my Discover card to my phone 
Posted on 9/17/15 at 8:00 am to Teddy Ruxpin
quote:
"some" is a bit of an understatement
This is throwing off my CC game
Think I'm going to get the Citi card and get the 6S when it comes out to take advantage of this.
quote:
Free iPhone 6: You can get a free iPhone by signing up for the Citi AT&T Access More card and spending $2,000
Then hopping on the Discouver IT card. They'll be happy. They send me literally at least 50 mailers a year.
Posted on 9/17/15 at 9:33 am to LSUAfro
quote:
hen hopping on the Discouver IT card. They'll be happy. They send me literally at least 50 mailers a year.
Me too. Got one yesterday after I typed that in fact. Every other week it seems. My wife has the iphone, I have a Samsung through work. Situation reversed I'd already be on this.
Posted on 9/17/15 at 2:49 pm to Teddy Ruxpin
yeah it try to avoid hyperbolic statements, but it is a great deal. just got back from doing some MS with apple pay. I usually dont do much MS, but I feel like I have to get back in it for this deal
Posted on 9/17/15 at 4:48 pm to Rolo Hardy
Looks like the 100k British Airways offer is back out there if anyone hasn't gotten it yet that needs it.
Posted on 9/17/15 at 5:17 pm to Teddy Ruxpin
Interesting.
That's enough for a Club World ticket to Europe - give or take. Although, we the redemption fees you're still paying 1,000 USD.
That's enough for a Club World ticket to Europe - give or take. Although, we the redemption fees you're still paying 1,000 USD.
Posted on 9/17/15 at 5:18 pm to Lima Whiskey
quote:
That's enough for a Club World ticket to Europe - give or take. Although, we the redemption fees you're still paying 1,000 USD.
You can also use it on partner domestic trips, like American in the US, LAN in Peru, I think Dragonair in SE Asia, etc.
This post was edited on 9/17/15 at 5:19 pm
Posted on 9/17/15 at 7:28 pm to Teddy Ruxpin
Yeah it's a tempting idea. I'd probably go for the 75k and if I had a lull time in between apps I'd try to hit that last $10k over the year. It would be equivalent to paying $100 for 35,000 avios for the last 25k bonus if I was to MS buying OV GCs. Not bad.
This post was edited on 9/17/15 at 7:30 pm
Posted on 9/17/15 at 8:25 pm to LSUAfro
Ya I'm still having trouble burning them as it is. Even on multi leg trips.
I guess we need to start visiting her family in DC more to get rid of them
I guess we need to start visiting her family in DC more to get rid of them
Posted on 9/17/15 at 8:29 pm to Teddy Ruxpin
Need an American hub to make the Avios work. I've used about 150k in the last year and still have a pile.
Posted on 9/17/15 at 8:40 pm to VABuckeye
quote:
Need an American hub to make the Avios work. I've used about 150k in the last year and still have a pile.
This is it. It's pretty much crap from MSY.
I'd use them on Iberia again. It would get two 1-way tickets to most of Europe in business for roughly $400 all in with fuel charges, annual fee, and MS cost for both tickets.
I'd call that a worthwhile application.
Posted on 9/17/15 at 9:00 pm to LSUAfro
Agreed. I don't mind the surcharge for business or first class on some carriers. On an American Airlines 767 first or business class is a joke compared to British Air and others.
Posted on 9/17/15 at 9:27 pm to Teddy Ruxpin
quote:
Looks like the 100k British Airways offer is back out there if anyone hasn't gotten it yet that needs it.
I was going to come post it here, but figured someone already did. I don't think it's a good one for me since the fuel surcharges are so bad and I have plenty of AA, so I don't need more of those. I'm still going back and forth if I'm going to get the Prestige. I think I can make good use of it as I may come to NOLA in Dec. Need to figure what to do with the $250 as well though. 
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