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re: Credit Card Rewards and Points Discussion

Posted on 12/11/18 at 1:57 pm to
Posted by TheJunction
Mississippi
Member since Oct 2014
2070 posts
Posted on 12/11/18 at 1:57 pm to
.
This post was edited on 12/11/18 at 2:07 pm
Posted by Lsut81
Member since Jun 2005
85015 posts
Posted on 12/14/18 at 6:13 pm to
Went into a Chase branch today and got the Ink Business Preferred. 80k UR points coming my way.
Posted by Teddy Ruxpin
Member since Oct 2006
40853 posts
Posted on 12/15/18 at 3:56 pm to
Applied for Arrival+ for my wife who had it some time ago. Didn't get it, waiting on reason.

Now I'm trying to figure my next target for her. Either go Amex or Citi. I can only get the 75k Plat offer to show though. Chase is totally out of the question
Posted by PhiTiger1764
Lurker since Aug 2003
Member since Oct 2009
14583 posts
Posted on 12/15/18 at 4:49 pm to
I saw that arrival+ 70k mile offer.. I've never had the card, but after reading about a possible 6/24 rule on reddit I am hesitant to apply.. I'm at 9/24 but just 1 in the last 12...
Posted by Teddy Ruxpin
Member since Oct 2006
40853 posts
Posted on 12/15/18 at 5:53 pm to
Ya my wife should have been at 5/24 but I should get the rejection reasoning soon.
Posted by Lsut81
Member since Jun 2005
85015 posts
Posted on 12/15/18 at 7:10 pm to
Thinking I may go ahead and stack either the Plat or gold Amex... Since their travel credits go calendar year, can hit it before Jan 1 and then immediately grab it after the new year to pretty much eliminate the annual fee.

Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 12/15/18 at 10:30 pm to
I just got the AMEX Gold with 50k points as a referral. Can give you one if you want. I will likely get the Plat at some point too. Need to hurry to get the card and the $100 credit before Dec 31. I used it on $100 AA gift card as that codes.
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 12/15/18 at 10:32 pm to
quote:

Already got the 100k about 3yrs back and I know there is language about only receiving one welcome bonus in a lifetime.


If you already got the bonus for the Plat you will not get another one. You can get the Biz Plat version and get the bonus though. They just raised that fee to $595.
Posted by Lsut81
Member since Jun 2005
85015 posts
Posted on 12/15/18 at 10:58 pm to
quote:

If you already got the bonus for the Plat you will not get another one.


Not true, thought so, but spoke with them today. There are targeted offers like the one on my account for 60k that are good for customers that had the card before.
Posted by LSUregit
Member since Dec 2013
1693 posts
Posted on 12/15/18 at 11:52 pm to
quote:

Thinking I may go ahead and stack either the Plat or gold Amex... Since their travel credits go calendar year, can hit it before Jan 1 and then immediately grab it after the new year to pretty much eliminate the annual fee.



This is Triple dip season----Airline travel fee credits are once per calendar year. If you redeem (I just pick an airline and then buy a gift card) before 2019 (single), again in 2019 (double), then January of 2020 (triple)...then cancel card in January 2020 (your annual fee will be refunded) if you wish.

Same for the Amex Plat $200 and Hilton Aspire $250 Airline fee credits.
This post was edited on 12/16/18 at 7:20 am
Posted by Lsut81
Member since Jun 2005
85015 posts
Posted on 12/16/18 at 7:01 am to
True.... I’m surprised Amex hasn’t changed this.

CSR caught on pretty quick and even changed their we;come bonus on sapphire cards to every 48 months now.
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 12/16/18 at 1:07 pm to
Yeah, I got my CSR right after they changed it too. But AMEX travel credit is shite compared to CSR so it's a trade off. I'm keeping my CSR unless I really decide MR are better for me and I go AMEX Plat. I would probably get the CSP at that point instead. But I think UR are great for me so far.

I got the Rose Gold card and will see how I like the AMEX system. Did my $100 gc on AA this past week and will do it again next year at some point unless I use it legitimately on an airline for fees. I don't like how you have to register the airline or register to get the dining credit, etc. Seems silly and they're definitely not as great as they sound. $10 a month instead of just giving $120. Also, AMEX charges you to transfer your points over to miles which is beyond pathetic.
Posted by Teddy Ruxpin
Member since Oct 2006
40853 posts
Posted on 12/16/18 at 2:44 pm to
My main consideration with Amex is that I think so many people moved to Chase that I would be able to leverage Amex's travel partners easier when needed.

Everything else they do is just needlessly more difficult relative to Chase.
Posted by Lsut81
Member since Jun 2005
85015 posts
Posted on 12/16/18 at 2:55 pm to
quote:

But AMEX travel credit is shite compared to CSR


Agree 100%.. A $900 flight on CSR is only 60k pts where as its 140k through AMEX.

I just want the Amex for the points to either transfer to partners or to buy gift cards, plus all the travel credits with airlines, uber, and the likes.


Still can't decide between Gold and Plat though. Really don't know about the 5k spend for Platinum, especially with just getting the Ink Preferred and having a 5k spend with that.
This post was edited on 12/16/18 at 2:59 pm
Posted by LSUregit
Member since Dec 2013
1693 posts
Posted on 12/16/18 at 4:13 pm to
quote:

But AMEX travel credit is shite compared to CSR


I use to think this until I started flying to Asia with a free stop over for 80K Amex MR pts and then 92K Amex pts direct round trip from Houston to Tokyo in first class on ANA (normally cost $23k).
Posted by Teddy Ruxpin
Member since Oct 2006
40853 posts
Posted on 12/16/18 at 4:53 pm to
He's talking about the $200 travel credit not points transfers.

I need to build up my points versatility.

Got about a million miles between UR, American and United. MR is a big fat zero.
This post was edited on 12/16/18 at 4:55 pm
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 12/16/18 at 5:04 pm to
quote:

He's talking about the $200 travel credit not points transfers.

I mean Chase let’s nearky anything code as travel, so easy to get the $300. AMEX makes you choose 1 airline, it’s $200, and it’s a joke to get the credit, so CSR clearly wins there.
quote:

I need to build up my points versatility. Got about a million miles between UR, American and United. MR is a big fat zero.

All this is why I got the Gold to try and then will get Plat if I like. We plan on doing the RTW on ANA biz class for about 130k MR.
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 12/16/18 at 5:07 pm to
quote:

Still can't decide between Gold and Plat though. Really don't know about the 5k spend for Platinum, especially with just getting the Ink Preferred and having a 5k spend with that.

I think it’s an easy choice, quickly get the Gold and then maybe do Plat next year. Only $2k spend for 50k MR with a referral link. Either way, it’s going to take about a week to get your card so you need to hurry up
Posted by Odinson
Asgard
Member since Apr 2014
2866 posts
Posted on 12/16/18 at 6:40 pm to
I would hardly call it shite. Pick an airline, buy gift card....profit. Pretty simple to me.

This is from someone with over 800k UR.
Posted by Teddy Ruxpin
Member since Oct 2006
40853 posts
Posted on 12/16/18 at 7:12 pm to
It's not that it's "shite" per se, but when you make things more difficult than your competitor who is eating your lunch it's not a great way to treat customers.
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