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Started By
Message
re: Credit Card Rewards and Points Discussion
Posted on 8/3/16 at 9:12 am to LSU6262
Posted on 8/3/16 at 9:12 am to LSU6262
quote:
Chase Sapphie Reserve rumors
100K Ultimate Rewards Signup Bonus
$450 Annual Fee
$300 Airline Credit
Priority Pass Select
3X Points Travel & Dining
Visa Infinite
LINK
If you're getting $300 annual airline credit with only $450 Annual fee it is easily worth it
I wonder how much the minimum spend will be and if it will be 0% for the first year.
1
Posted on 8/3/16 at 9:13 am to RedHawk
quote:
I wonder how much the minimum spend
$5-$6K
quote:
and if it will be 0% for the first year.
Definitely not.
Posted on 8/3/16 at 9:49 am to Teddy Ruxpin
quote:
That looks pretty nice. Post makes me more likely to consider it as an option.
I booked it for roughly $290 + fees = $350/night. When I drove through the hotels, there was nothing <$500/night from when I looked that was even remotely at that level for All Inclusive
The real bargain would be doing a Spring booking with points when I've seen prices at $700-800+ per night. Going when the weather was 75-80 would have made this trip 10x better
quote:
I rate your post a success
Appreciate it. I plan on staying at Hyatt Zilara Rose Hall in Jamaica next year. I'll write up the same + take better pictures. Probably will make it a blog post and link just so it doesn't take up an entire page again
Posted on 8/3/16 at 9:51 am to Azazello
quote:
Should I close these cards or keep them open?
If they don't have fees, it would be unlikely to harm you to keep them open. If you make a small purchase every 3-4 months or set up small autobill/payment on them, you'll ensure they report to CC agencies
The Sam's club card should get you 5x on gas which should be attractive though
Posted on 8/3/16 at 10:04 am to GenesChin
quote:
Probably will make it a blog post
Do you have one? I am in the process of getting one running. Have everything set up, except the content. CPA studies has put that on a hold for now. I have some content ready but if you would like to join as a contributor, please let me know. Only stipulation is - you must like to travel/vacation.
Posted on 8/3/16 at 10:15 am to AmeriKop45
quote:
Do you have one? I am in the process of getting one running. Have everything set up, except the content. CPA studies has put that on a hold for now. I have some content ready but if you would like to join as a contributor, please let me know. Only stipulation is - you must like to travel/vacation.
That would be sick. Points/Rewards type only travel or every type of trip? The only thing I ask is that a few of the referral type benefits get thrown my way so I can actually continue to fund these trips when I'm out of churn points
I'll make my pitch to add me (mostly wife)
- Wife prefers US/Caribbean Vacations (I know you seem to specialize in Europe/Asia trips from what I gather)
- Wife is professional photographer
- Wife could make some female centric stories (she runs lifestyle/trendy BS already)
- I could rope my brother in for a few
Upcoming Trips through May
- Denver + Red Rocks Amphitheater Concert (Wife)
- Tokyo (Me)
- New York City (Wife + Me)
- Phoenix (Wife + Me)
- D.C. (Wife + Me)
- Hyatt Zilara Rose Hall Jamaica (Wife+Me)
Potential Trips
- Park City
- Detroit + Mackinac Island
- Atlanta
- Charleston
Those pictures were my garbage shots with my cheap DSLR. If we were doing serious reviews, the wife would bring about $8k in equipment
This post was edited on 8/3/16 at 10:23 am
Posted on 8/3/16 at 11:06 am to AmeriKop45
quote:
. CPA studies has put that on a hold for now.
How's that going? Been thinking of picking up my CPA in a couple years but on the fence.
Posted on 8/3/16 at 11:25 am to GenesChin
Sounds perfect. Ofcourse, all your content will direct benefits to you. We can discuss the details later.
CPA study going well. Passed one recentlyx studying for 2nd. It's a huge time commitment. So is the website. Especially since I'm starting from literally 0 and learning as I go (website).
CPA study going well. Passed one recentlyx studying for 2nd. It's a huge time commitment. So is the website. Especially since I'm starting from literally 0 and learning as I go (website).
This post was edited on 8/3/16 at 11:27 am
Posted on 8/3/16 at 11:34 am to AmeriKop45
quote:
Sounds perfect. Ofcourse, all your content will direct benefits to you. We can discuss the details later.
Sweet. I don't mind doing the reviews, I just need to be able to have vacations to generate content
The wife is mid twenties, "trendy/cool" (read expensive) and a high end lifestyle photographer. I'll check her interest level but she may be able to provide some content that is interesting for the female 20-30 year old demographic
quote:
Passed one recentlyx studying for 2nd
You employed or just finish a MAcc program? I got other professional exams to finish first but I've toyed with the idea
This post was edited on 8/3/16 at 11:41 am
Posted on 8/3/16 at 11:54 am to AmeriKop45
quote:
CPA
Glad that's over with.
Posted on 8/3/16 at 12:44 pm to GenesChin
I've been working in public accounting for a while now
Posted on 8/3/16 at 1:21 pm to AmeriKop45
quote:
I wonder how much the minimum spend
$5-$6K
quote:
and if it will be 0% for the first year.
Definitely not.
Would the annual fee be waived the first year?
Posted on 8/3/16 at 1:25 pm to RedHawk
No. Almost as definite as no 0% intro APR.
Posted on 8/3/16 at 1:29 pm to AmeriKop45
quote:
No. Almost as definite as no 0% intro APR.
Thanks for the info. I might actually go with the Sapphire instead. I know the extra points are great, but not sure I'm comfortable yet with that high of an annual fee and minimum spending. I'm kind of new to this so might just dip my toe in with the Sapphire first.
Posted on 8/3/16 at 1:37 pm to RedHawk
Hmm. Consider this:
For $450 AF you get:
1) $300 airline credits in calendar year 1
2) $300 airline credits in calendar year 2
3) 100K points valued at around $2K.
Even if you consider straight monetary value of 100K points, thats $1K. Plus $300 in airline credits. $1,600 in the first year of membership (for $450).
If you are a little savvy and like to travel, those points can be worth much more, conservatively valued at $2K.
And this is before considering other benefits such as lounge access ($30-$40 each visit).
I'd be all over this.
For $450 AF you get:
1) $300 airline credits in calendar year 1
2) $300 airline credits in calendar year 2
3) 100K points valued at around $2K.
Even if you consider straight monetary value of 100K points, thats $1K. Plus $300 in airline credits. $1,600 in the first year of membership (for $450).
If you are a little savvy and like to travel, those points can be worth much more, conservatively valued at $2K.
And this is before considering other benefits such as lounge access ($30-$40 each visit).
I'd be all over this.
This post was edited on 8/3/16 at 1:38 pm
Posted on 8/3/16 at 1:47 pm to AmeriKop45
quote:
Even if you consider straight monetary value of 100K points, thats $1K. Plus $300 in airline credits. $1,600 in the first year of membership (for $450).
Not a huge traveler ATM. So basically would be looking at the cash value mostly. Plus if I get either Sapphire or this new card, most likely wouldn't keep it past the first year.
Also not sure I would use much of the $300 airline credit as I usually don't incur any costs when traveling. So basically a $550 value after the $450 annual fee with higher minimum spend vs. a $500 value with lower minimum spend and no annual fee.
This post was edited on 8/3/16 at 3:10 pm
Posted on 8/3/16 at 2:39 pm to RedHawk
That makes sense. But in that case you should go for a straight cashback card like AmEx Everyday/Everyday Preferred, or Chase Freedoms.
Why go for a travel card when you are not interested in travelling?
Why go for a travel card when you are not interested in travelling?
This post was edited on 8/3/16 at 2:42 pm
Posted on 8/3/16 at 3:00 pm to AmeriKop45
quote:
Why go for a travel card when you are not interested in travelling?
I do travel some, just not enough to have a card that has an annual fee. I already have the Chase Freedom. So figured my next card would be the Sapphire and then ditch it after a year.
Posted on 8/3/16 at 3:10 pm to RedHawk
Ok - let me rephrase. If you cannot justify paying $450 for over ~$3K in "travel dollars," then you can probably be better off with a cb card.
Travel cards are mainly for people who travel frequently and are looking to subsidize the cost of travel. The perks and advantages of having these cards are therefore geared towards such people. For ex: CSP will earn you 2x on travel and dining and $500 in bonus. AmEx everyday preferred will earn 6% on groceries, 3% on gas and will also come with a $500 sign up bonus (need to look a little but you can find it).
Travel cards are mainly for people who travel frequently and are looking to subsidize the cost of travel. The perks and advantages of having these cards are therefore geared towards such people. For ex: CSP will earn you 2x on travel and dining and $500 in bonus. AmEx everyday preferred will earn 6% on groceries, 3% on gas and will also come with a $500 sign up bonus (need to look a little but you can find it).
This post was edited on 8/3/16 at 3:14 pm
Posted on 8/3/16 at 3:21 pm to AmeriKop45
quote:
AmEx everyday preferred will earn 6% on groceries, 3% on gas and will also come with a $500 sign up bonus (need to look a little but you can find it).
Good to know. I just looked and it comes with a $300 sign up bonus unless you are targeted for the $500. If I'm ever targeted for that AMEX I will jump on it. In the meantime I will get the Chase Sapphire to avoid the 5/24 rule with Chase and then hopefully be able to add the AMEX next.
My idea with the Sapphire is just to get the signup bonus and then ditch it when the year is up. I probably wouldn't ever use it outside of the initial minimum spend as my Discover IT and Chase Freedom offer better CB in the 5% categories.
This post was edited on 8/3/16 at 3:31 pm
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