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re: Credit Card Rewards and Points Discussion
Posted on 11/19/16 at 8:49 pm to dabigfella
Posted on 11/19/16 at 8:49 pm to dabigfella
I have only had one chargeback in 6 years of owning CCs. Man you've really are getting shafted 
You could stick with Chase for business purposes then use Amex for personally spending.
Your personal spending is like Bill Gates finding a $5 bill in terms of rewards earnings. still get chase value from business spend then Amex benefits for personal
You could stick with Chase for business purposes then use Amex for personally spending.
Your personal spending is like Bill Gates finding a $5 bill in terms of rewards earnings. still get chase value from business spend then Amex benefits for personal
This post was edited on 11/19/16 at 8:52 pm
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Posted on 11/20/16 at 9:08 pm to GenesChin
So if I apply for the CSR now can I get the $300 for 2016 and then again in 2017?
Posted on 11/20/16 at 10:12 pm to NoSaint
quote:
So if I apply for the CSR now can I get the $300 for 2016 and then again in 2017?
Yes.
Posted on 11/20/16 at 11:15 pm to Joshjrn
What would yall do to finish off the $300 2016 travel spend since the year is winding down? I guess a gift card from an airline is about the only option?
Posted on 11/20/16 at 11:26 pm to TigerTatorTots
I didnt even get a chance to choose with mine, it used it up on all my ubers and parking fees
Posted on 11/21/16 at 4:37 am to NoSaint
But you have to use it by your December statement which would could come at any point between Dec 1 and Dec 31. So get moving.
Posted on 11/21/16 at 8:46 am to AndyJ
quote:
But you have to use it by your December statement which would could come at any point between Dec 1 and Dec 31. So get moving.
i actually just did it and then called to confirm after approval and they gave Dec 20, so a full month to use it. Perfect!
Posted on 11/21/16 at 10:00 am to dabigfella
Yea I don't use Uber for anything nor ever pay for parking so I'm struggling here to get the full $300 credit
Posted on 11/21/16 at 10:20 am to TigerTatorTots
quote:
Yea I don't use Uber for anything nor ever pay for parking so I'm struggling here to get the full $300 credit
On such short notice, an airline/hotel gift card is likely your best bet, as you've already mentioned. I burned through my $300 very quickly and naturally, so it wasn't an issue for me.
Posted on 11/21/16 at 11:12 am to Joshjrn
Is there a way to see how much travel credit I have left? I'm probably going to buy a Marriott gift card
Posted on 11/21/16 at 11:40 am to TigerTatorTots
quote:
Is there a way to see how much travel credit I have left?
This. Anyone know?
Posted on 11/21/16 at 1:13 pm to Azazello
quote:
Is there a way to see how much travel credit I have left?
I believe you can see it if you click your Ultimate Rewards link once inside your Chase account.
Posted on 11/21/16 at 4:42 pm to GenesChin
Hey Gene, what are the pros/cons of the Platinum Amex vs The Sapphire Reserve? I spoke with Amex on the phone and since I never had the business platinum and only the personal platinum, if I do apply for the business platinum i can get the 100k point sign up bonus after $10k in 3 months. The amex lounges are hands down the best and the food and drinks are amazing and I remember the one in miami had free massages and manicures for the wife too.
Obviously sapphire reserve has 3x points on dining which is huge for me, but all other perks rolled into one, if you had to choose 1 card, both being $450/year why one or the other. I know lots of businesses dont take amex, but for me, my biggest expenses are at SAMs and they do take it now so thats not a problem for me. I was waiting I knew they'd put in an offer to compete with the CSR and it seems like they did. I also like the new 1.5x points on all charges over $5k bc I do indeed spend north of that often on the card for work.
Obviously sapphire reserve has 3x points on dining which is huge for me, but all other perks rolled into one, if you had to choose 1 card, both being $450/year why one or the other. I know lots of businesses dont take amex, but for me, my biggest expenses are at SAMs and they do take it now so thats not a problem for me. I was waiting I knew they'd put in an offer to compete with the CSR and it seems like they did. I also like the new 1.5x points on all charges over $5k bc I do indeed spend north of that often on the card for work.
Posted on 11/22/16 at 9:18 am to Big Saint
quote:
I believe you can see it if you click your Ultimate Rewards link once inside your Chase account.
Accurate. Go into UR and click on your CSR. You should see a nifty little wheel on the right saying how much of your travel credit you've used this year.
Posted on 11/22/16 at 9:58 am to Joshjrn
Do you have to meet the 4K spend on CSR before you can get 300$ credit? I just got approved and want to get credit before new year.
Posted on 11/22/16 at 10:33 am to DaBeerz
quote:
Do you have to meet the 4K spend on CSR before you can get 300$ credit? I just got approved and want to get credit before new year.
It's my understanding that the sign up bonus (4k spend for 100k points) is utterly unrelated to the annual benefit of $300 of travel credit.
Posted on 11/22/16 at 12:02 pm to Joshjrn
quote:
It's my understanding that the sign up bonus (4k spend for 100k points) is utterly unrelated to the annual benefit of $300 of travel credit.
the person on the phone yesterday told me simply that the $300 would be in 2016 credit if spent by my statement closing 12/20... if he neglected to tell me that it would need to be $4,300 by then, id be pretty annoyed.
the more realistic question (which isnt a big deal) is does that $300 (or i guess $600 for those signing up now and spending in Jan/Feb too) count towards the $4k spend.
Posted on 11/22/16 at 3:29 pm to NoSaint
Travel credit has nothing to do with your $4k signup bonus spend
Posted on 11/22/16 at 3:40 pm to DaBeerz
quote:
Do you have to meet the 4K spend on CSR before you can get 300$ credit? I just got approved and want to get credit before new year.
No, you get the $300 to use immediately. (if you were going to spend on travel anyway, it helps offset the $450 fee on the first statement)
Posted on 11/22/16 at 4:14 pm to TigerTatorTots
quote:
Travel credit has nothing to do with your $4k signup bonus spend
I'll take this one step further. The benefits of a credit card have nothing to do with the initial spend to get points/miles. You have the benefits whether you do or don't meet the initial spend.
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