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Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
quote:

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


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.


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Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
quote:

I’ve already used the Sapphire preferred & reserve for signup bonuses. I’ve now just gotten my signup bonus from the BOA Platinum rewards card. What’s the next best card for a cash signup bonus offer?


What are the dates(month and year) you got those 3 cards?

Do you have any other cards, and if so, what dates did you get them?

How good is your credit score?

Would you be open to getting business cards?

What is your goal for your next card? Travel/cash back/miles/points with a specific bank/airline/hotel?


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fatboydave
LSU Fan
Fat boy land
Member since Aug 2004
11950 posts

re: Credit Card Rewards and Points Discussion
Not sure about gas stations.


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PhiTiger1764
LSU Fan
Lurker since Aug 2003
Member since Oct 2009
11276 posts
 Online 

re: Credit Card Rewards and Points Discussion
quote:

Amazon Visa now gets 5% cash back on Whole Foods in addition to Amazon

I just got a promotional email offering 5% back on restaurant purchases on this card from March 1 thru May 31. So I’m finally pulling this card out the sock drawer.

It’s not really a huge deal for me considering the opportunity cost of not using my CSR.. but it’s nice to see one of my oldest cards becoming more useful.


Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
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.


I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
36214 posts

re: Credit Card Rewards and Points Discussion
Just smashed American airlines for another 75k bonus. I quit churning for about two years but it's time to hit them hard again.


Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
I got a 50k AA mailer last week that could probably be upgraded to a better offer. I would be all over it if I wasn't still trying to figure out the best way to navigate my remaining 5/24 slots


TheIndulger
LSU Fan
Member since Sep 2011
18040 posts

re: Credit Card Rewards and Points Discussion
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?


Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
Supposedly its possible to get a 60k offer by signing up in branch. You'll probably need to do it with a BRM, who you made need to contact ahead of time to make an appointment with.


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I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
36214 posts

re: Credit Card Rewards and Points Discussion
Call them and complain. They will bump you up to 75k


LSUregit
LSU Fan
Member since Dec 2013
1052 posts

re: Credit Card Rewards and Points Discussion
quote:

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


Chase will tell you to go kick rocks.


Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
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.


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BHTiger
Clemson Fan
Charleston
Member since Dec 2017
678 posts
 Online 

re: Credit Card Rewards and Points Discussion
What do you mean by 5/24?


Open Your Eyes
Member since Nov 2012
2912 posts

re: Credit Card Rewards and Points Discussion
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


Lazy But Talented
New Orleans Saints Fan
Dallas
Member since Aug 2011
11434 posts
 Online 

re: Credit Card Rewards and Points Discussion
Currently churning Capital One Venture card.

My annual fee for CSR is about to hit, I've used my $300 travel credit and I still have 70k UR that I won't be able to spend before next week...I don't want to pay the $450 annual fee. Is my best option to transfer the UR to my freedom card (not sure of the book with chase redemption amount) or should I product change to the CSP for 1.25 redemption?

Will Chase transfer the points with the product change or would i have to transfer to the freedom then to CSP?


fatboydave
LSU Fan
Fat boy land
Member since Aug 2004
11950 posts

re: Credit Card Rewards and Points Discussion
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


Joshjrn
LSU Fan
Baton Rouge
Member since Dec 2008
12400 posts
 Online 

re: Credit Card Rewards and Points Discussion
It just depends on when you want to spend the UR points. You can park them on a non-UR card for now. You will just want to have a UR card to transfer to before using them.

On a mildly related note, when you call Chase, ask them if there are any current retention offers on the CSR. The lady just hit her renewal date, so I'm curious


Lazy But Talented
New Orleans Saints Fan
Dallas
Member since Aug 2011
11434 posts
 Online 

re: Credit Card Rewards and Points Discussion
I will ask.


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Lazy But Talented
New Orleans Saints Fan
Dallas
Member since Aug 2011
11434 posts
 Online 

re: Credit Card Rewards and Points Discussion
quote:

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


My $300 annual renewed in January. I have already used it up.


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Lazy But Talented
New Orleans Saints Fan
Dallas
Member since Aug 2011
11434 posts
 Online 

re: Credit Card Rewards and Points Discussion
Thoughts on transferring the points to Freedom, closing the CSR account, then opening CSP to get the bonus? I won't be eligible for the bonus for a product change.

Obviously it would ding my credit a few points, but credit score is plenty high. I would wait a couple months until I'm done with churning the Cap 1 Venture then apply for Freedom unlimited for the free $150 and the CSP for some free bonus points. From there I'd switch my 60k UR from Freedom to CSP.
This post was edited on 3/4 at 9:24 am


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