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re: Credit Card Rewards and Points Discussion
Posted on 8/10/16 at 12:45 pm to lsumatt
Posted on 8/10/16 at 12:45 pm to lsumatt
quote:
lsumatt
My suggestion for you, assuming you only want to go for 1 more card:
1) You + SO both apply for the new Ritz Carlton Visa Infinite Card. This will get you 3 nights each at the Ritz Kapalua Bay on Maui for a total of 6 nights.
2) Use 45K points each on Korean, transfered from Chase UR to fly RT to Hawaii in First, or 25K in Economy.
You could also fly there in economy to save Chase UR, and technically use the other 50K for 2 nights at Andaz Maui (if you ever find award availability) for a total of 8 nights on Maui.
Since you already have the Chase points, all you would need is 1 ritz card each.
Myself - I would wait until 8/21/16. The Sapphire Reserve is due to come out which will give you 100K points for signing up, and $300 in travel. I'd throw that in the mix too.
As far as the plat goes - as long as you don't have any AmEx cards, AmEx will continuously offer you 100K for getting the platinum. But if you want to go for this - alternate strategy would be to transfer a total of 60K points to Flying Blue and use 30K points each RT to Hawaii. You could use your Chase Points to book 4 nights at the Andaz Maui.
This post was edited on 8/10/16 at 12:47 pm
3
Posted on 8/10/16 at 1:15 pm to AmeriKop45
quote:
(if you ever find award availability)
Did a couple quick searches and they always have standard rate rooms available. Shouldn't you be able to book the hotel in points if you call in then?
Posted on 8/10/16 at 2:22 pm to GenesChin
"Standard Rate" does not equal "Standard Room."
Standard Rate just means regular rate (ie not RACK, discounted, promo etc).
You need to find Andaz Garden King/Queen to redeem points. I only ever see Andaz Mountain View, which is a step above the standard Andaz Garden.
Typical of the Andaz brand gaming the HGP system.
Standard Rate just means regular rate (ie not RACK, discounted, promo etc).
You need to find Andaz Garden King/Queen to redeem points. I only ever see Andaz Mountain View, which is a step above the standard Andaz Garden.
Typical of the Andaz brand gaming the HGP system.
This post was edited on 8/10/16 at 2:24 pm
Posted on 8/10/16 at 4:09 pm to AmeriKop45
Do you guys think that I'll have an issue getting approved for Chase Sapphire Reserve card that is scheduled to come out on the 21st? I recently purchased a house (this week) and the $4,000 spend for 100K UR points will be easy to achieve. I'm not sure if they care that I recently purchased a house and that may temporarily ding the credit score which was 750+ prior to purchase. Anyone have experience with this?
Posted on 8/10/16 at 4:15 pm to GoldenD
You should be fine. Have you had any credit cards before?
Posted on 8/10/16 at 4:29 pm to AmeriKop45
I've spent a fair amount of time dealing with Hyatt on redemptions, so I wanted to throw this out:
For some reason, some properties have unspoken soft restrictions on award availability online. For example, I recently wanted to book a four night stay in November at the Park Hyatt in NYC. No availability. Started plugging in single nights. Not a single one, all month. But, if you bump the stay to five nights, all of a sudden, the month lights up like a Christmas tree.
So, I made sure the four nights I wanted were contained in an available five night stretch, called the number on the back of my card and had no issue booking the four nights I wanted.
For some reason, some properties have unspoken soft restrictions on award availability online. For example, I recently wanted to book a four night stay in November at the Park Hyatt in NYC. No availability. Started plugging in single nights. Not a single one, all month. But, if you bump the stay to five nights, all of a sudden, the month lights up like a Christmas tree.
So, I made sure the four nights I wanted were contained in an available five night stretch, called the number on the back of my card and had no issue booking the four nights I wanted.
Posted on 8/10/16 at 4:32 pm to Joshjrn
Yeah that isn't unheard of. Good news is Hyatt is very good about making award space available if there is standard room availability, regardless of whether or not it shows online.
This post was edited on 8/10/16 at 4:33 pm
Posted on 8/10/16 at 4:32 pm to AmeriKop45
Thanks for all the help. That is really useful information.
I just read up on this. It seems like the same thing as the AmEX Platinum, but better (except maybe no Centurion access). So that is probably the way to go and I can consolidate it with other Chase rewards points.
If I get this, I suppose I should downgrade the CSP card to a Freedom to avoid the $95 annual fee? Eith the Reserve I don't see an advantage to keeping the CSP card.
quote:
The Sapphire Reserve
I just read up on this. It seems like the same thing as the AmEX Platinum, but better (except maybe no Centurion access). So that is probably the way to go and I can consolidate it with other Chase rewards points.
If I get this, I suppose I should downgrade the CSP card to a Freedom to avoid the $95 annual fee? Eith the Reserve I don't see an advantage to keeping the CSP card.
Posted on 8/10/16 at 4:33 pm to lsumatt
quote:
If I get this, I suppose I should downgrade the CSP card to a Freedom to avoid the $95 annual fee? Eith the Reserve I don't see an advantage to keeping the CSP card.
Yes. No point in having both.
Posted on 8/10/16 at 4:45 pm to AmeriKop45
Currently have 3 with the Freedom being one of them - none newer than 3-4 years. I was going to apply for the CSP since I have ~70K UR points and I'd like to be able to transfer them to partners, but the reserve seems like a better deal than the CSP. Assuming the $300 travel credit can be used for basically any travel, then the $450 annual fee really becomes $150.
Posted on 8/10/16 at 7:17 pm to GoldenD
Yes. And dont forget the $100 discount whenever you buy 2 RT airplane tickets. No limit to how many times you can use it. Card could become a money maker. Definitely can't last long.
Posted on 8/10/16 at 10:44 pm to AmeriKop45
So long time no post. So update as I don't have much free time with my work these days and for those that I've played this game and conversed with on this thread who GAF.
I've decided to sit on the sidelines for another 18 months and the wife is only 6 months away from the 2 year chase rule . We're going to reset our chase credit card clocks and kill chase apps together and restart when eligible. With 2 kids under 5, I figured it was a good time to do so.
We're both keeping 1 chase Ink, 2 Hyatt, 2 IHG, 1 SPG card, 1 old amex blue, and one Citi Premier card.
Sad day
One fun note is I got verified to send my wife $3K rent for the next 5 months on my SPG through rent pad(we own a rental property).
I've decided to sit on the sidelines for another 18 months and the wife is only 6 months away from the 2 year chase rule . We're going to reset our chase credit card clocks and kill chase apps together and restart when eligible. With 2 kids under 5, I figured it was a good time to do so.
We're both keeping 1 chase Ink, 2 Hyatt, 2 IHG, 1 SPG card, 1 old amex blue, and one Citi Premier card.
Sad day
One fun note is I got verified to send my wife $3K rent for the next 5 months on my SPG through rent pad(we own a rental property).
This post was edited on 8/10/16 at 10:51 pm
Posted on 8/10/16 at 10:59 pm to AmeriKop45
quote:
Use 45K points each on Korean, transfered from Chase UR to fly RT to Hawaii in First, or 25K in Economy.
Can you tell me more about this?
quote:
alternate strategy would be to transfer a total of 60K points to Flying Blue and use 30K points each RT to Hawaii.
And this?
I'm looking for other options than my AA, AS, UA miles to fly to the mainland or how I can get the best value/class. I have 125k AA, 100k AS, 50k UA, and 100k UR right now. TIA
Posted on 8/11/16 at 8:20 am to VABuckeye
quote:
Citi is picky and unflinching when it comes to inquiries.
Do you know of a card that wouldn't be that picky? Have a major expense coming up and want to make the most of it.
Posted on 8/11/16 at 8:47 am to cfa626
In the past Chase wasn't. I'm not sure now with their rule changes in the past 18 months. You really have to plan your apps now and look at a 2 year strategy for applying to maximize the points and miles that are most applicable to your situation.
Posted on 8/11/16 at 8:48 am to cfa626
quote:
cfa626
How many new accounts did you open in the past 24 months? Which cards do you have already?
quote:
Sho Nuff
UA transfers to Korean. Search for SkyTeam availability on Flying Blue website. You are searching for space available at the 30K level on Delta Flights. You need Citi TYP or MR to transfer to FB to book the 30K flights on Delta through FB itself. Korean is RT only. You can only purchase an award ticket for an immediate family member. FB has no such rules.
quote:
LSUAfro
Not bad at all. I have been contemplating doing so myself. Sit on the sidelines for 2 years and basically reset every clock. In the meantime I could hit my Ink/SPG or get DiscoverIt miles to hit hard for a year.
But it is so hard right now to stop when AA and AS miles are so easy to come by on a routine.
You're set up perfectly with 2 ink and OBC. Wish SO had Ink too to get the extra 50K limit.
This post was edited on 8/11/16 at 8:51 am
Posted on 8/11/16 at 9:17 am to AmeriKop45
quote:
How many new accounts did you open in the past 24 months? Which cards do you have already?
I opened the Hhilton AMex in May, Chase Hyatt a couple of months ago, then got offers for Freedom and CSP, so I did those a couple of weeks ago.
Before May, I hadn't gotten any new cards in about a year. Had Southwest in late 2014 and Capital One Venture last year for the sign up bonus, canceled them when annual fee came due. So in the last 24 months, I would guess about 6 cards.
Should have enough as is for a short trip to NYC next spring, so I guess I'm just being greedy.
Posted on 8/11/16 at 9:23 am to cfa626
quote:
cfa626
Ok this means most Chase cards are out of reach for you now. As far as Chase goes - your only remaining options are:
1) IHG - 80k + $50
2) Ritz - 3 Free nights
3) Fairmont - 2 Free nights
Other than Chase, you also have AmEx, BoFA and Citi. What rewards you looking to get? Miles or cashback? If miles/points, where you looking to go?
quote:
Should have enough as is for a short trip to NYC next spring, so I guess I'm just being greedy.
Bless your heart.
This post was edited on 8/11/16 at 9:26 am
Posted on 8/11/16 at 10:34 am to LSUAfro
quote:
LSUAfro
Wouldn't there be tax implications on you "paying rent" to your wife since that would be treated as taxable rental income?
Posted on 8/11/16 at 10:54 am to AmeriKop45
quote:
What rewards you looking to get? Miles or cashback? If miles/points, where you looking to go?
I'm hoping to get miles, wanted a Disney trip. Going to have the wife apply for CSP. She's just over anxious about identity theft, having too many cards, etc., She's one of those "1 card" people.
Chase had approved my Freedom with only a $500 limit and told me to call and have credit moved around. I moved my Slate credit to the Freedom card and reduced Chase Disney to just $500, so that may open up room for IHG.
I'm just worried that after getting denied for Citi I won't get approved for anything else.
Thanks for the help.
You could start your own points website if you haven't already. ETA: Have 60,000 Hhilton points for Disney trip, good for 3 nights in Orlando, just looking to get flights covered.
This post was edited on 8/11/16 at 10:56 am
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