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Message
re: Credit Card Rewards and Points Discussion
Posted on 1/17/18 at 11:08 pm to Teddy Ruxpin
Posted on 1/17/18 at 11:08 pm to Teddy Ruxpin
Barclays
Yea that's pretty much it with me. The 2% redemptions for flights is what benefits me the most with that card but like you said the other benefits are what matter to me.
I'll look into it. Thanks for the advice.
quote:
Oddly enough, the earn structure on most luxury black cards are absolute shite, but probably because those that have them don't care, and want the other benefits that come with it.
Yea that's pretty much it with me. The 2% redemptions for flights is what benefits me the most with that card but like you said the other benefits are what matter to me.
quote:
You should take my advice on the Freedom Unlimited then. You'd do better vs regular Freedom, outside of maybe one quarter if home improvement is a 5x category.
I'll look into it. Thanks for the advice.
1
Posted on 1/17/18 at 11:13 pm to stout
No problem.
One more thing, if you aren't going to pair your Freedom with Reserve/Preferred/or Ink Business, then you aren't maximizing how much UR can be worth, leaving your Freedom Unlimited as 1.5% cash back.
In which case I'd get a Citi Double Cash and call it a day at 2% cash back if you aren't married to Chase. About $750 to $1,500 more cash back at 150k spending vs 1.5 and 1% cash back.
One more thing, if you aren't going to pair your Freedom with Reserve/Preferred/or Ink Business, then you aren't maximizing how much UR can be worth, leaving your Freedom Unlimited as 1.5% cash back.
In which case I'd get a Citi Double Cash and call it a day at 2% cash back if you aren't married to Chase. About $750 to $1,500 more cash back at 150k spending vs 1.5 and 1% cash back.
This post was edited on 1/17/18 at 11:16 pm
Posted on 1/17/18 at 11:17 pm to Teddy Ruxpin
Not married to chase at all. I will look into it.
Posted on 1/18/18 at 8:29 am to stout
So are these new hilton cards worth a crap? I have never used hilton points for a room.
Posted on 1/18/18 at 11:46 am to Civildawg
quote:
So are these new hilton cards worth a crap? I have never used hilton points for a room.
I just got the Aspire. Hilton points are equal to Zimbabwe currency.
Hey 450 annual fee BUT comes with:
100K points
free weekend night cert upon signup and anniversary
Diamond Status
$250 airline reimbursement which can be used for gift cards on some airlines
$250 credit at Hilton resort yearly
Posted on 1/18/18 at 12:27 pm to macatak911
Looking to max out 5/24 rule. Do business cards (I have Ink Business Preferred) not count at all against 5/24? Or am I just allowed to get more business cards even after I've maxed out 5/24? Currently sitting at 4-5/24 depending on the answer but most are about to fall off, looking to jump on some new offers.
Goals: I have an upcoming wedding that I'll be charging, and planning to maximize rewards for Italy honeymoon. Also to re-up Companion Pass starting Jan '19. I have approx 160K UR from CSR + Ink. Looking to get AMEX Platinum as I was targeted for 100K sign-up. I was thinking getting AMEX Business Gold after I hit spend amount so that I have sign-up bonuses for each, that way I'll have enough UR & MR to play with for honeymoon. I just don't want to screw up my 5/24 for companion pass. Any other ideas for another card is appreciated, may churn and burn the CSP and transfer 50K to CSR if I've got room on the 5/24.
Goals: I have an upcoming wedding that I'll be charging, and planning to maximize rewards for Italy honeymoon. Also to re-up Companion Pass starting Jan '19. I have approx 160K UR from CSR + Ink. Looking to get AMEX Platinum as I was targeted for 100K sign-up. I was thinking getting AMEX Business Gold after I hit spend amount so that I have sign-up bonuses for each, that way I'll have enough UR & MR to play with for honeymoon. I just don't want to screw up my 5/24 for companion pass. Any other ideas for another card is appreciated, may churn and burn the CSP and transfer 50K to CSR if I've got room on the 5/24.
This post was edited on 1/18/18 at 12:38 pm
Posted on 1/18/18 at 1:07 pm to macatak911
quote:
I just got the Aspire. Hilton points are equal to Zimbabwe currency.
I'm gonna roll with the Ascend
Posted on 1/18/18 at 2:34 pm to wizziko
really wish they would wave the annual fee the first year. Card seems like it's just meh with the AF.
Posted on 1/18/18 at 4:23 pm to Civildawg
They aren’t going to waive the annual fee when they give you
~$500 with of points
$250 off at a Hilton resort propert
$250 airline credit (which can be used to get SW GC)
And one free weekend night
That’s about $1200ish of stuff
Not to mention diamond
~$500 with of points
$250 off at a Hilton resort propert
$250 airline credit (which can be used to get SW GC)
And one free weekend night
That’s about $1200ish of stuff
Not to mention diamond
Posted on 1/18/18 at 6:08 pm to macatak911
Was talking about the lower level card with the $95 AF
Posted on 1/18/18 at 7:28 pm to TheChiefHasArrived
quote:
Do business cards (I have Ink Business Preferred) not count at all against 5/24? Or am I just allowed to get more business cards even after I've maxed out 5/24?
I've been reading on this a lot. No one seems to know for sure, but the general thought seems to be that business cards don't appear on your credit score, so they don't apply to 5/24 at all because Chase doesn't know youvhave them. Chase business cards being the exception because obviously they can see which of their products you have.
2 quick Amex notes:
- When I went to their page today not signed in to my account, I saw increased signup bonuses for the personal gold(up to 50,000 from 25,000) and the personal SPG(up to 30,000 from 25,000).
- I've looked into the Amex program a lot the last few days after my previous 2 posts. If I do end up keeping the platinum card it will be switching over the the Charles Schwab version. All the same benefits and same annual fee, plus you can transfer points into a CS brokerage account for $0.0125/point. That seems to be the easiest way to redeem points for cash, and you get it at 1.25/1 instead of 1/1. All you need is a brokerage account with Charles schwab, which is free to open if you don't already. Anyone have experience with this?
Posted on 1/21/18 at 7:49 pm to Open Your Eyes
Can anyone help steer me towards a credit card that I can earn a good amount of points for airmiles? We have to fly to Berlin this summer so if I could find a card that awards a ton of bonus miles for spending x amount of dollars in the first month or so, I would take it and use that buy one or both tickets depending how far those miles get me. Hoping someone could help point me in the right direction.
Posted on 1/21/18 at 9:20 pm to BigB0882
What airline?
Posted on 1/21/18 at 9:46 pm to BigB0882
Do you have a particular airline(s) in mind?
Are you looking for just the signup bonus(spend x amount in first month)? Or will you also be able to accrue a lot of miles/points in a short time with normal spending?
United' signup bonuses all appear to be back down to 40,000-50,000.
American expesss was running good signup bonuses for their Delta cards, I think 60,000 for gold and 70,000 for platinum. They're not up on the Amex site anymore but you may still be able to find them through a referral link.
Barclays has this card that gets 60,000 American Airlines miles after your first purchase and paying the $95 annual fee. LINK
Additionally, citi's AA card also has a 60,000 signup bonus when you spend $3000 in the first 3 months. LINK
I don't know how many "we" is but each of you could sign up for both and get a minimum of 123,000 miles on American for spending $3000 you might usually spend anyway. That should be able to go a pretty long way for flights to Berlin. You'll probably have to transfer the miles to one of American's partner airlines in One World. I don't know very much about that right now so someone else would have to help there. I'm also not very well versed yet on the value of 120,000 AA miles vs 130,000 Delta miles vs 90,000 United miles vs points with AMEX, Chase, or capital one, or how easy it is to book tickets with points with any of those programs.
Hopefully this at least helps you get started. Any more information you can give about what your looking for, what airline, your trip, your current card sutuation, etc. would he helpful.
Are you looking for just the signup bonus(spend x amount in first month)? Or will you also be able to accrue a lot of miles/points in a short time with normal spending?
United' signup bonuses all appear to be back down to 40,000-50,000.
American expesss was running good signup bonuses for their Delta cards, I think 60,000 for gold and 70,000 for platinum. They're not up on the Amex site anymore but you may still be able to find them through a referral link.
Barclays has this card that gets 60,000 American Airlines miles after your first purchase and paying the $95 annual fee. LINK
Additionally, citi's AA card also has a 60,000 signup bonus when you spend $3000 in the first 3 months. LINK
I don't know how many "we" is but each of you could sign up for both and get a minimum of 123,000 miles on American for spending $3000 you might usually spend anyway. That should be able to go a pretty long way for flights to Berlin. You'll probably have to transfer the miles to one of American's partner airlines in One World. I don't know very much about that right now so someone else would have to help there. I'm also not very well versed yet on the value of 120,000 AA miles vs 130,000 Delta miles vs 90,000 United miles vs points with AMEX, Chase, or capital one, or how easy it is to book tickets with points with any of those programs.
Hopefully this at least helps you get started. Any more information you can give about what your looking for, what airline, your trip, your current card sutuation, etc. would he helpful.
This post was edited on 1/21/18 at 10:00 pm
Posted on 1/21/18 at 10:00 pm to Open Your Eyes
To be honest he should have started accumulating points a long time ago for this trip.
This close in I'd probably recommend hitting hotel cards or ones that provide cash, like Arrival+ and Venture.
This close in I'd probably recommend hitting hotel cards or ones that provide cash, like Arrival+ and Venture.
Posted on 1/21/18 at 11:45 pm to Teddy Ruxpin
Ideally yes, but there's still some decent airline card offers out there to get a lot of points quickly if he can hit the signup bonuses quickly.
I thought about venture because of 2x miles on everything, but he doesn't have a lot of time to build on that. I'm curious why you say the hotel cards? I thought about that with the new Hilton cards out, but most of the airlines are a 10/1 transfer ratio with HH. So eventhe 100,000 signup bonus would only be 10,000 miles, right? Or are you saying that to take care of their hotel needs on the trip?
I thought about venture because of 2x miles on everything, but he doesn't have a lot of time to build on that. I'm curious why you say the hotel cards? I thought about that with the new Hilton cards out, but most of the airlines are a 10/1 transfer ratio with HH. So eventhe 100,000 signup bonus would only be 10,000 miles, right? Or are you saying that to take care of their hotel needs on the trip?
Posted on 1/22/18 at 12:35 am to Teddy Ruxpin
quote:I'm just randomly jumping into this as I came across it while perusing this thread, but I spent some time there back in 2009 with a some of my classmates and my professor in graduate school with a professor. Let me know if you have any questions. I haven't spoken to my professor in a few years, but she was friends with a number of professors, politicians, and random families throughout the area. So if there is ever an emergency or something, I can get still get their information pretty quickly.
Pretty much set. It isn't a long trip with us splitting about 8 days between Cape Town/Vineyards and Safari.
Anyways as for the wine country, I really enjoyed Stellenbosch and I couldn't believe how cheap the wine was to buy. Cape Town is beautiful, and I definitely recommend Robbins Island, the Cape itself, and the Harbor area. Never made it to table top mountain because the wait was too long, but I was glad because I was hungover and thought I might get sick in the way up. We went to some show the night before, which was amazing (and had a lot of alcohol) and their popular but I can't remember the name they have for them. I definitely recommend it.
Where are you going on the safari? Kruger Park seems like a popular location but that's quite a distance from the Cape, so we went to Elephant Park on our visit.
O and Ostrich is amazing, tastes like a juicy and tender steak. In fact, I enjoyed it more than steak.
This post was edited on 1/22/18 at 12:36 am
Posted on 1/22/18 at 7:06 am to htownjeep
Does anyone switch back and forth from the Chase Sapphire Preferred to the Reserve each year? My plan is to cancel the Preferred before the annual fee and then apply for the Reserve. I noticed the fine print which says, "This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 24 months."
Has anyone gotten around that?
Has anyone gotten around that?
Posted on 1/22/18 at 8:37 am to buckeye_vol
Hey man, thanks for posting that.
Ya, we're going to try to do Table mountain the day we land. Already bought tickets so hopefully that helps skip at least one line.
Wine tour is self drive towards Franschhoek staying in an Airbnb one night. Looks frankly, stunning.
We're actually staying in Sabi Sands adjacent to Kruger. Found a non-stop morning flight from Cape Town to Hoedspruit. We should get in 5 game drives over 2.5 days.
Ya, we're going to try to do Table mountain the day we land. Already bought tickets so hopefully that helps skip at least one line.
Wine tour is self drive towards Franschhoek staying in an Airbnb one night. Looks frankly, stunning.
We're actually staying in Sabi Sands adjacent to Kruger. Found a non-stop morning flight from Cape Town to Hoedspruit. We should get in 5 game drives over 2.5 days.
Posted on 1/22/18 at 8:37 am to Open Your Eyes
quote:
I thought about venture because of 2x miles on everything, but he doesn't have a lot of time to build on that
I was mentioning it for the sign up bonus only, not continued spend.
Those two cards hit by each person should yield $1,600 to $2,000 in bonuses.
This post was edited on 1/22/18 at 8:39 am
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