re: Credit Card Rewards and Points Discussion

Yeah, I may go for the CP this time around since HI flights should be starting in early 19.

Just saw an email from Marriott that the date is Aug 18th for programs to be combined. What are you guys doing with your points? I took the 100k offer for the Marriott card and have about 130k worth of Marriott (45k SPG) once I swap SPG over so 230k and I can do a nights and flights package before they change them for the worse. Not sure if I will as the Category of the hotels also change on Aug 18 so a Cat 7 cert will likely get you a Cat 5 in the new program which is still very nice but not what I'm looking for necessarily. I guess it's good for someone who wants miles at a great rate more than anything.

i do not believe so

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my wife already has a personal SW credit card (she’s had it for like 5 years), can she get the new one with the 65,000 point bonus? 

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I wanna say yes, as long as you didn't get a bonus within the last 2 years, and you would need to cancel her current card.

That's how I understood the rules at least.

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(apparently the promotion ends 8/22). 

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Hmm, interesting. Thing is they've had 60,000 point promos on their other "lesser" cards before, so it would be puzzling to me for them to kill the reward bonus on their "premium" card so soon. Unless they're just worried about people taking advantage of the companion pass deal, which I certainly was .

If they cancel the bonus I won't though.

Hmm, I took that to mean you couldn't have 2 personal cards at the same time, and as long as you didn't receive a sign up bonus within 24 months you could simply cancel your current card and apply for the new one and still get the bonus.

Is this not the case? I can't really find a definitive answer.

Good deal on the Chase IHG card (100k signup bonus + $50 statement credit) that I would definitely jump on, but reading a bunch of stories about Chase shutdowns has me hesitant to open anything new with them anytime soon.

I see the shutdown reports but often times its people with a lot of cards. Its still concerning.

What would a shutdown entail?
I have three Chase cards

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Good deal on the Chase IHG card (100k signup bonus + $50 statement credit) that I would definitely jump on, but reading a bunch of stories about Chase shutdowns has me hesitant to open anything new with them anytime soon.

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i believe i'm still at few cards under chase's 5/24 rules...and i considered that IHG card.
(but..i just wouldn't stay at holiday inn to make it worth it)

i think i'll probably only add both the personal and business chase southwest card in nov or dec to obtain companion pass for 2019/20....and then i'll probably be done for a while.

They will be limiting the category level of the free night. Capping it at 4. So no more free night in Bora Bora.

This is probably been addressed 1 million times on here, however, I don't have the time to shift through 500 pages on this thread. But help me out on credit cards.

Currently have Capital One Quicksilver with 26.24% APR. I'm only 22 and this is the first and only credit card that I got(about 2 years old). Only benefits to this is the unlimited 1.5% cash back on every purchase.

I want to get a card with lower rates (obviously) and a better rewards program, if possible. I've done some research , but you guys are the pros. I do a lot of travelling and probably fly anywhere from 2-5 times per year.

Any help on cards choices would be appreciated, TIA.