re: Credit Card Rewards and Points Discussion

In that case the Ink has a good signup bonus and some 3x categories. The biz card isn't difficult with your SSN & sole proprietor. I've done 2 like that. Go for it.

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already have the CSR. CIP is offering 80,000 points for $5,000 spend, then I would revert back to using my CSR.

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This is the correct strategy if you are wanting to accumulate ultimate rewards with Chase. As others have said it will not be difficult for you to get a business card. But before applying online, go to a Chase branch and ask to speak with a business relationship manager. That person can offer you 100k points for 5k spend. They rotate which branches they are at each day so you may have to make a future appointment with one.

Additionally, if you have any interest in accumulating points/miles outside of just Chase, your situation will put you in a great situation to get signup bonuses from multiple different banks, hotels, airlines, etc. if that's something you would value.

Not sure about gas stations.

For anyone interested, a few more AMEX items to report:

- The Mercedes Benz cards are going to be discontinued in January 2019, so if you have any intention of getting the sign-up bonuses for those cards its probably wise to start developing a plan. The regular card bonus is only 10k points so its probably not worth fooling with if you dont have need for the Mercedes credit. The platinum bonus is 60k points. For me personally, I will probably signup for this card to get the bonus and not renew my regular platinum later this year before the AF hits. Then when the card is discontinued in January, it will either be changed to the regular platinum or just go away completely, or I'll cancel that card as well if I don't have need for a platinum card at that time.

- Increased signup bonuses for the Delta gold and platinum cards, and the SPG business card. The SPG card is 35k starpoints with "only" 7k spend. In the past that offer was for 10k spend. Its also possible this card will be going away soon with the new marriott cards coming out, so this is another one worth serioiusly considering if you are thinking about getting this card.

Is 50k the best offer you can get on a sapphire reserve? I’m wondering if anyone has gotten a better offer by signing up at the bank himself?

Call them and complain. They will bump you up to 75k

The AA cards are with Citi not Chase, and the offers get upgraded pretty regularly.

ILB, if I had a real need for AA miles right now or was over 5/24 I definitely would have already.

Basically, Chase has a rule that if you have opened 5 or more new credit cards in the last 24 months, you will not be able to signup for a new chase card. So for people under that 5 card threshold, they need to figure out a plan for which chase cards they want and when they are going to get them before reaching the 5 card limit.

Generally speaking business cards don't count towards your 5/24 total because they usually aren't included in your personal credit report. And there are a few chase cards that do not seem to be subject to this rule.

More details can be found here: LINK

Product change to not lose the points or T/F the points to another UR card

Your next year with the CSR brings another $300 travel credit so the AF is $150 after that.

AFIK The best signup bonus for CSR is 50K