re: Credit Card Rewards and Points Discussion

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I was worried about the same. However, there are ways to trigger DD and some bonuses don't even require a DD.

For ex:

1) Chase Personal Checking - I got the $300 bonus. This required a DD. A cash out from simply best coupons where I receive cb for VGC purchases. Counts as DD. Pretty sure Schwab account withdrawal will do the trick as well. Also, a ACH from local credit union works. I actually did all three in the week

2) Chase Business Checking - I got the $500 bonus for merely opening the account and deposit $500 in it. Boom. Nothing else needed.

3) Iberia Personal - I got $300 for opening the account and doing a couple bill pays

4) Whitney - $200 for opening the account and doing 5 debit card transactions.

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Were all of these targeted offers? I did one for USAA and got $300.

I got my denial letter from Citi. It said too many recent inquiries. Called them, they won't reconsider. I don't have any other Citi cards.
I had gotten AMex, Hyatt, Freedom Unlimited, and Sapphire Preffered in last few months.
Guess my sign up bonuses are over for a while...unless anyone thinks of another card I might get approved for. I figure if Citi denied me then anyone else would too. But 4 cards doesn't seem like a lot to me. I've heard of people getting more in a short time frame.
I closed a Chase Slate card today thinking that may help, but now I'm reading it may not.
I want a card that will give airline travel. need to get wife on board with this little hobby.

Yeah. Its an easy $300. About an hour's worth of work. I did it over my lunch break and made $300 so not too bad. Like I said - there are a number of ways to trigger the direct deposit without it being an actual DD. But chances are, if you don't find it worth the effort as is, you may not want to do anything else anyway

In case you were wondering - an ACH from a local CU account more often than not triggers the DD for the bonus. If you have a retirement/brokerage account, that usually counts as well. PayPal didnt for me, neither did venmo. However, there is anecdotal evidence of both working.

Is your buddy someone who would know such things?

Until very recently, there had been only Visa Infinite - the CNB visa. That required applicants to have a min 100K annual household income. Very recently the Ritz card was converted to a Visa Infinite and it didn't matter what your income was. But that could just be because it was a mere product change.

Currently it is just speculation because the minimum income requirement for the only Visa Infinite we knew about was the CNB visa. And we did not know if it was a Visa Infinite requirement or CNB bank requirement. All we know is the minimum CL you need to be approved for for a Visa Infinite is $15K.

Unless I have missed critical information, the high min. annual income is currently just speculation.

Disclaimer: I'm not a Chase ITK.

I would have to have a real conversation with a real person, and that sounds absolutely exhausting :hmph:

I am interested in an American Express Platinum Card and probably soon since I am flying internationally next month. Some background, I have had only American express Blue for 12 years but recently got the CSP card with the 50K bonus. This thread has inspired me to broaden my cards.

I recently received targeted offers for the Platinum business (100,000 points with $10,000 spending) AND Platinum personal 50,000 points with $5,000 spending. Assuming I can meet the spending on one of the cards:

1. Is the business card the no-brainer over the personal given the extra 50,000 points? I occasionally do some consulting, so I could claim a legitimate business, although I rarely have a "business" expense.

2. I would use the business card exclusive for normal, personal purchases - not business purchases. That is perfectly okay right?

3. Is there any way if I call them they give me the business deal (100K points) on the personal card?

4. I am planning a honeymoon next summer, maybe to Hawaii but nothing set in stone yet. What would be the best way to spend/transfer say 100K CSP points and 110K+ American Express points.

4) In economy, pretty much anywhere is possible. Dream big if you want. Hawaii is easy. 25K per person RT from anywhere in the continental US.

For more aspirational awards like flying F Suites etc., little more planning is involved. But seems like you have enough time for that. Pick a destination, figure out what kind of CC exposure you want to deal with (aka can you apply for more cards? Can you meet min spends on all?).

Tl;Dr

1) What would be your dream trip?
2) Can you apply for more cards and meet min spends?
3) Are you ok with economy or would you like Business/First?

Since you have enough time, people on here, including me, can probably help you with how to go about actually doing it.

If you want to do your entire honeymoon on points, you will require a strategy which will probably need you to hold off on the AmEx cards. If you are only looking to get 1-2 more and are fine covering part of your trip with points and part with $$, then that is a different story.

100k personal platinum offers are still out there. Got to the website and see all the offers which you are targeted.