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re: Credit Card Rewards and Points Discussion
Posted on 10/17/17 at 1:10 am to AmeriKop45
Posted on 10/17/17 at 1:10 am to AmeriKop45
quote:
My strategy re churning is that I do the have lifting, gf stays under 5/24 to get CP. That's not hard to do, that just means 1 AoR per two years for her and business cards in between. That way you always have the CP.
Yeah since you are in HI I guess the best time for you to get CP would be in Jan 2019. So apply for cards in November 2018.
I would have it for all of 19 and 20 that way?
ETA: BTW AK, can I get the Ink Preferred bonus even though I got the Ink+ bonus last year? You can't get the CSR and CSP anymore same time, right?
This post was edited on 10/17/17 at 1:25 am
1
Posted on 10/17/17 at 1:13 am to Teddy Ruxpin
quote:
bonus points showed up into your Southwest FF account. Add two years onto that date, and you can apply if its past that.
quote:
You really shouldn't go for CP unless you have two 50k point offers. CP is 110k points. So 2 x 50 = 100k plus the 4k in spending to earn those (2k each) = 104k. You'd have to put just a bit more to earn CP.
Anything lower it becomes a pain in the arse.
Yeah, I'd definitely get the 2 50,000 offers if possible or wait till they're avail.
quote:
CP is good for the year its earned and the following year.
Ok thanks, I think my question is answered above. Get it early 2019 and then I get it for all of 2020 too.
quote:
Sure, why not?
I wasn't sure if they allowed it or not.
Posted on 10/17/17 at 9:59 am to Sho Nuff
quote:
ETA: BTW AK, can I get the Ink Preferred bonus even though I got the Ink+ bonus last year?
Yes you can. But you need to get it sooner rather than later because you can expect the CSR/CSP rule to carry over to other UR cards as well.
Here is the kicker - Ink Pref is coding as 3x on gc.com. So you are earning ~7.5K UR for ~$13 per order.
However, I've heard it's tough to get approved for 2 Chase business cards.
Posted on 10/17/17 at 10:34 am to AmeriKop45
quote:
However, I've heard it's tough to get approved for 2 Chase business cards.
It was a little bit difficult a few years ago when I pulled it off, but I was also going back to the well for the same Sole Proprietorship.
I'm curious how it would go if this time I used an EIN.
Also, this difficulty is only for 2 Chase Business Ink cards correct? Or would it apply for say, if I had an Ink and then went for Southwest?
This post was edited on 10/17/17 at 10:35 am
Posted on 10/17/17 at 11:04 am to Teddy Ruxpin
From what I know it is any chase business card. Tough to get two. At least for people with those not so real "Sole Props"
Posted on 10/17/17 at 12:06 pm to AmeriKop45
Hmmm
Maybe I'll cancel my wife's old Ink Cash since I have 2 of my own. I really need to be able to hit both SW cards before end of the year/early next year.
Maybe I'll cancel my wife's old Ink Cash since I have 2 of my own. I really need to be able to hit both SW cards before end of the year/early next year.
Posted on 10/17/17 at 12:06 pm to AmeriKop45
I got Citi thank you premier in July. I have an email from them saying my account is considered opened as of July 27.
First statement posted Aug 15. 2nd on Sept 15 and now I see the 3rd one today. I ended up $148 short of required spend due to a merchandise return I forgot about.
Am I screwed? 90 days/3 months isn't really up until Oct 25 or Oct 27. But 3 statements have already posted.
First statement posted Aug 15. 2nd on Sept 15 and now I see the 3rd one today. I ended up $148 short of required spend due to a merchandise return I forgot about.
Am I screwed? 90 days/3 months isn't really up until Oct 25 or Oct 27. But 3 statements have already posted.
Posted on 10/17/17 at 12:07 pm to cfa626
You have 90 days from account opening, not 3 statements.
Posted on 10/17/17 at 12:12 pm to Teddy Ruxpin
Oh thank you!!!! I was so pissed at myself. Good lesson though. I'm going to be sure to hit spends earlier if possible.
Posted on 10/17/17 at 12:18 pm to cfa626
quote:
Oh thank you!!!! I was so pissed at myself. Good lesson though. I'm going to be sure to hit spends earlier if possible.
Yup, I always go over by a $100 or so if I'm late meeting the requirement. Only slightly over if I know I have plenty of time and finish it early.
Also, if the card charges you the annual fee upfront, make sure not to count that as "spend". People make that mistake all the time time too.
This post was edited on 10/17/17 at 12:19 pm
Posted on 10/17/17 at 1:07 pm to Teddy Ruxpin
My evidence is anecdotal and therefore very YMMV.
Also, just curious, why dont you go for 2 personal SW instead of the business?
Also, just curious, why dont you go for 2 personal SW instead of the business?
Posted on 10/17/17 at 1:12 pm to AmeriKop45
quote:
Also, just curious, why dont you go for 2 personal SW instead of the business?
5/24
She also has 6 open personals with Chase right now, so I'd probably have to consolidate that a bit as well
She'd be 4/24 in November and 3/24 in late January 2018, which isn't terrible.
This post was edited on 10/17/17 at 1:24 pm
Posted on 10/19/17 at 3:26 pm to Teddy Ruxpin
Looks like PPDG and cardcash are dead for 5x on ink according to reddit. I have been hitting cardcash pretty hard the last year for cards for everyday purchases from walmarks and their $35 min for free delivery.
There is another Staples VGC rebate next week for those interested. OD/OM needs to step it up.
There is another Staples VGC rebate next week for those interested. OD/OM needs to step it up.
Posted on 10/20/17 at 9:44 am to Teddy Ruxpin
Thoughts on the new Bank Of America Premium rewards card? I already have the Saphire Reserve but it looks like this one earns even more points per dollar * if you get the bonus for having money in BOA accounts, which I do.
I'd be earning about 3.6 points per dollar. This has to be the best right?
I'd be earning about 3.6 points per dollar. This has to be the best right?
Posted on 10/21/17 at 8:53 am to ghost2most
I’m BofA platinum honors so I just signed up for the new premium rewards to at least give it a shot for a year. The cash back % is I believe the best available, but I think for everyday spend I’d still prefer to use chase unlimited (bundled with my sapphire reserve).
What will determine if I keep the BofA card or not is the usefulness of the airline reimbursement, I.e can it be used towards gift cards.
What will determine if I keep the BofA card or not is the usefulness of the airline reimbursement, I.e can it be used towards gift cards.
Posted on 10/21/17 at 9:37 am to 632627
BOA has been really good to me the last two years. I freaking love Merril Edge and something crazy like 100 free trades a month. Best deal in the industry.
I've been using the Fidelity Rewards and just going 2 percent straight into a taxable account for regular purchases and Chase Saphire Reserve for trave/dining.
But I'm going to replace the Fidelity card with the new BOA one and just have that roll into my taxable accounts on Merril Edge.
I mean, it's not a ton, but in two years using the Fidelity card part time, I have almost 2K (25% of that is just growth in the market). It's free money, so I just let it ride in index funds.
I've been using the Fidelity Rewards and just going 2 percent straight into a taxable account for regular purchases and Chase Saphire Reserve for trave/dining.
But I'm going to replace the Fidelity card with the new BOA one and just have that roll into my taxable accounts on Merril Edge.
I mean, it's not a ton, but in two years using the Fidelity card part time, I have almost 2K (25% of that is just growth in the market). It's free money, so I just let it ride in index funds.
Posted on 10/22/17 at 8:21 pm to ghost2most
Denver airport has a restaurant instead of lounge For priority pass
$28/person for food is legit. Got a full service brunch for wife + me
$28/person for food is legit. Got a full service brunch for wife + me
Posted on 10/22/17 at 8:56 pm to Teddy Ruxpin
I know someone that has done three chase ink preferred cards with three different EINs. Two of these were in the last six months, so it will be interesting to see if he gets both bonuses.
Posted on 10/23/17 at 9:18 am to GenesChin
Yeah we were there about a week after they had been included. The $28 limit resets every 2 hours too. You want to request your waitress/waiter to close out as soon as you place your first order then come back in 1-1.5 hours later and make sure she closes out this time at least 2 hours after she had closed out the first one.
This post was edited on 10/23/17 at 9:21 am
Posted on 10/23/17 at 12:12 pm to AmeriKop45
quote:
Yeah we were there about a week after they had been included. The $28 limit resets every 2 hours too
Didn't realize it resets every 2 hours. I wasn't there long enough to take advantage but that's good to know
I preferred the restaurant to a lot of lounges in priority pass network I've been to. Nice to have an actual meal
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