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re: Credit Card Rewards and Points Discussion
Posted on 12/16/18 at 8:29 pm to Teddy Ruxpin
Posted on 12/16/18 at 8:29 pm to Teddy Ruxpin
I’m no Amex fanboy by any stretch but to say Chase is eating their lunch is a far cry. Maybe when they threw the first stone with the 100k UR CSR and to folks who simply use 1.5x portal purchases, but Amex has stepped up their game considerably. I still keep the CSR/freedom/biz unlimited but the Amex Trifecta of plat/gold/biz blue has taken wallet space.
Obviously it’s ymmv of what and how, where one wants to travel, but to the niche enthusiast who knows how to maximize ccp (mainly J/F international travel highlighted by lsuregit above as one example), Amex MR is very very valuable.
Next move is on chase. As long as Citi keeps giving me 75k AA pts average every couple of weeks, I’m not stopping that train either lol
Obviously it’s ymmv of what and how, where one wants to travel, but to the niche enthusiast who knows how to maximize ccp (mainly J/F international travel highlighted by lsuregit above as one example), Amex MR is very very valuable.
Next move is on chase. As long as Citi keeps giving me 75k AA pts average every couple of weeks, I’m not stopping that train either lol
1
Posted on 12/16/18 at 9:14 pm to Odinson
quote:
I would hardly call it shite. Pick an airline, buy gift card....profit. Pretty simple to me
Read what I wrote. I said compared to CSR travel credit it is shite. Not that it’s shite alone. Also, you’re wrong on “pick any airline”. It works with AA and SW and I think one more for the gift card. The others don’t code properly. It’s shite compared to CSR. Pretty simple statement really.
This post was edited on 12/16/18 at 9:28 pm
Posted on 12/16/18 at 9:18 pm to Sho Nuff
quote:
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
Yeah, it is, but the platinum is so tempting. But I’ve got the CSR, so.
May do Gold right now and then add platinum next fall. If the platinum sign up was more than 60k, like 75, I’d go that route, but the 50k for gold is a steal, plus the promo on dining for the first couple of months and 4% back on restaurants is incredible.
Posted on 12/16/18 at 9:29 pm to Lsut81
Yep, the $120 back in the first 3 months from restaurants plus the $200* in travel credits over 2 years + 50,000 MR made it easy for me. I got the Rose too in case I keep it kinda cool to have a different card than most.
Posted on 12/16/18 at 10:07 pm to Sho Nuff
Nice change, but I already read it before your edit. Maybe not as ideal, but still not shite. The ability to double/triple dip makes up for it by far.
Don't listen to someone trying to get a referral bonus from you
For starters, if you go with the Gold first, you will never be able to pull the 100K plat offer (get the 75k icognito at the very least). Go to cardmatch tool website first to see if you can pull it up. It seems to pop up randomly if you never had a MR card before.
It's like amateur hr in here with defensive people when just trying to help. I remember why I don't come here much.
quote:
Lsut81
Don't listen to someone trying to get a referral bonus from you
For starters, if you go with the Gold first, you will never be able to pull the 100K plat offer (get the 75k icognito at the very least). Go to cardmatch tool website first to see if you can pull it up. It seems to pop up randomly if you never had a MR card before.
It's like amateur hr in here with defensive people when just trying to help. I remember why I don't come here much.
Posted on 12/16/18 at 10:34 pm to Odinson
He already got the Plat dipshit, he’s not going to get 100k again. I told him to get the biz Plat if anything. You’re still wrong about the comparison to the CSR but you won’t admit it. Like I originally said, learn to read.
Also, explain why if someone got the Gold couldn’t get the Plat 100k bonus at some point? Since you’re such a pro I’d love to hear it. Or you going to not grace our presence anymore?
This post was edited on 12/17/18 at 6:26 am
Posted on 12/17/18 at 5:47 pm to Odinson
quote:
I’m no Amex fanboy by any stretch but to say Chase is eating their lunch is a far cry.
Amex is losing customers left and right. It's not a debatable topic.
Though, I'm excited that they are, because at some point they have to get more competitive to get customers back, which likely means better bonuses and benefits and hopefully the removal of lifetime language.
This post was edited on 12/17/18 at 5:48 pm
Posted on 12/17/18 at 8:01 pm to Teddy Ruxpin
quote:
removal of lifetime language.
Like I said, they already have... The targeted 60k offer in your account removed the language.
Posted on 12/17/18 at 11:12 pm to Lsut81
I know about targeted offers. That's always been the case.
But I'd rather hit the bonus when I feel like it. Ya know, like the good old days of only 5 years ago.
But I'd rather hit the bonus when I feel like it. Ya know, like the good old days of only 5 years ago.
This post was edited on 12/17/18 at 11:14 pm
Posted on 12/18/18 at 6:26 am to Teddy Ruxpin
quote:
But I'd rather hit the bonus when I feel like it. Ya know, like the good old days of only 5 years ago.
Haha...
I’m worried Amex May up their bonus to compete with CSR, but then change the travel credit to account year and not calendar. Major reason I’m going to get one this morning to double it up quickly.
I see changes coming though be chase changed sapphire to every 4yrs for welcome bonus.
Posted on 12/18/18 at 7:30 am to Lsut81
Yup, Amex may loosen up but it will only be temporary and then fall in line with diminished benefits/gaming.
Really the only thing that can stop that trend on the macro level is an economic slowdown but no one wants to wish for that on anybody.
Really the only thing that can stop that trend on the macro level is an economic slowdown but no one wants to wish for that on anybody.
Posted on 12/25/18 at 2:40 pm to Teddy Ruxpin
quote:
economic slowdown
You were saying?
Got the Amex Platinum and I have to say, the card is badass. I know, its only aesthetics, but the metal they use and overall look and feel compared to the CSR is a notch above. One thing I was disappointed in when I had the platinum about 4yrs ago.
Posted on 12/27/18 at 1:20 pm to Lsut81
Question for the board:
I'm a 24 year old engineer with decent income that just signed up for my first credit card 3 months ago. (CSR) I spent the 4k and got the 50000 reward. My question is should i continue to use this card or then jump to the next card to get the signup rewards? I pay my account down each time just trying to utilize my accounts the best for rewards (personal travel mostly) I believe this is called churning but will it damage my credit score?
Any advice?
I'm a 24 year old engineer with decent income that just signed up for my first credit card 3 months ago. (CSR) I spent the 4k and got the 50000 reward. My question is should i continue to use this card or then jump to the next card to get the signup rewards? I pay my account down each time just trying to utilize my accounts the best for rewards (personal travel mostly) I believe this is called churning but will it damage my credit score?
Any advice?
Posted on 12/27/18 at 4:37 pm to Freeze_Warning
Congrats on joining the hobby. It depends on your credit history and score. If you got the CSR I'm assuming its pretty good. If you start accumulating more cards I'd go Chase first since they have limits on the numbers 5/24. Start reading here
Did you sign up for Global Entry or Pre-check with the CSR? Interested in SW CP?
There are some very knowledgeable people who regularly chime in in this thread. The more you read the better position you will be in to make decisions.
It depends on your credit history and score. If you got the CSR I'm assuming its pretty good. If you start accumulating more cards I'd go Chase first since they have limits on the numbers 5/24. Start reading here Did you sign up for Global Entry or Pre-check with the CSR? Interested in SW CP?
There are some very knowledgeable people who regularly chime in in this thread. The more you read the better position you will be in to make decisions.
Posted on 12/27/18 at 7:52 pm to Freeze_Warning
quote:
just signed up for my first credit card 3 months ago. (CSR) I spent the 4k and got the 50000 reward
Damn, can’t call the CSR exclusive if someone with no prior credit cards can get it from the word go.
Unless poster was on parents cards along the way to build credit.
The CSR is a great card and I wouldn’t churn it thanks the the new rules. No new signups for 48 months now.
Posted on 12/28/18 at 4:25 pm to Lsut81
Any chance the CSR bumps up from 50k to 60k or higher within the next month? I want to sign up and get it soon.
Posted on 12/28/18 at 6:19 pm to UnluckyTiger
quote:
Any chance the CSR bumps up from 50k to 60k or higher within the next month? I want to sign up and get it soon.
I don't think I've ever seen anything besides the initial 100k or the now 50k. And I would think if they were going to do it, it would have been within the past two months.
Posted on 12/28/18 at 11:08 pm to Lsut81
Yeah I’d be surprised if they do anymore than the current 50K.
Posted on 12/29/18 at 7:22 am to Sho Nuff
quote:
Yeah I’d be surprised if they do anymore than the current 50K.
As Teddy said, don’t think we’re going to see as many widespread offers greater than 50k until their is a downturn in the economy.
I’m currently working on Ink 80k and Amex Plat 60k.
After those may do the Chase Mileage Plus for 65k and Amex Gold for 50k
Posted on 12/29/18 at 11:18 am to Lsut81
The CSP routinely has better offers than CSR so something to consider. My wife has CSR so I went with CSP with their better offer.
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