re: Credit Card Rewards and Points Discussion

Which airport?

I've hit the $3000 spending for the Amex Platinum.
I don't know how long until I get the 100k bonus points.
It's funny just yesterday I get Amex Platinum offer by mail to spend $5000 for 50k points.

It should post in a day or two if you're a prior card holder.

I need to get my hands on that AMEX 100k offer. Ha

Nope. Just the Barclays now.

Figured I could capitalize on the ink's 5x points at office stores and just buy gas cards for the move.

Good idea. Imo you should go for both Sapphire and Ink. Doesn't matter which one you get first, but if you have use for the Ink now, then that one first obviously.

Here is an offer for 60K with my referral if you'd care to click through here Chase Ink

NICE! (on getting AF waived).


Sapphire is 59K points after meeting min spend + adding AU. Free first year. 2x on travel and dining. Free primary rental car insurance, and best travel insurance. I value each chase point at at least 2 cents per point, so you are actually getting 4% (at least) compared to 2.1% on Arrival+. This is keeping in mind ofcourse that you would use points to transfer out to travel partners (amazing value). If not then they are worth 2.5% for using on travel directly through the chase portal (terrible valie).

For your current situation I have to say Ink is better. Get the sapphire next.

Absolutely not. You could be thinking of starting a business. Or you may have already sold something on amazon/ebay etc and be in the retail business (*wink*). Use your SSN in place of your EIN. I have multiple business cards and no business per say.

Has she had another card in the past? If yes - no doubt about it. If she hasn't, might be hard to get it as her first card. I would start with the Chase Freedom.

This is the old chase freedom, which imo has better earning power if you are able to maximize 5x categories. Only way to get these is through referral links like the one above, if I am not mistaken as Chase no longer issues these cards publically.

If you don't think you are able to maximize the 5x categories, then go for the Chase Freedom Unlimited. This one is 1.5x everywhere.

That works

Also - what I would do is you get the card and add her as an authorized user. She will then "piggy back" on your credit and her credit score will go way up as well. There is literally no downsides to this. If you trust her ( ) you can let her have the physical card. If you don't then just keep it or cut it up. Regardless, as soon as you add her as an AU, her credit will go up thanks to yours.

Keeping that in mind, not to overkill or confuse you, she could be a second points-earning weapon and y'all could both get cards to earn points. In fact, you could get the card first then refer her to one and cash in on another 10K points for yourself when she gets approved. As long as you can meet min spends ofcourse.