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re: Credit Card Rewards and Points Discussion

Posted on 1/6/19 at 7:55 pm to
Posted by rintintin
Life is Life
Member since Nov 2008
17059 posts
Posted on 1/6/19 at 7:55 pm to
quote:

Yeah, but you don't get the 50% bonus on the cash you spend. 

So if booking through the UR portal, it pays to solely use points.


Yeah, if you have the points use the points.

But those rare occasions where you're short a few points, you can use cash. I routinely get pissed when I'm like 500 points shy for a SW flight and there's no option to split the payment.

Also when booking multiple tickets and you want to use points for only one ticket.
Posted by rintintin
Life is Life
Member since Nov 2008
17059 posts
Posted on 1/7/19 at 7:01 am to
quote:

Speaking of using points... Whats the best thing to do with American Express points?

compared the same as UR and maybe it was a glitch, but a flight via UR was like 80k points and on Amex was like 140k

 


Yeah, you don't get near the value through their travel portal. From what I've read the best thing to do is transfer them to their partner airlines and use for business or first class Tix.

Here's a good rundown:

LINK
Posted by Azazello
Member since Sep 2011
3231 posts
Posted on 1/14/19 at 7:39 am to
I currently have the CSR but I am looking at something specifically for gas & groceries (we spend $1,000+ monthly).

I'm not getting good value from Chase on these purchases, anyone have any recommendations?
Posted by AndyJ
Member since Jul 2008
3586 posts
Posted on 1/14/19 at 8:13 am to
I’ve never thought of transferring SW points to Chase. How do you book your companion if you have a companion pass?
Posted by GeorgeTheGreek
Sparta, Greece
Member since Mar 2008
69128 posts
Posted on 1/14/19 at 9:26 am to
Chase Freedom often rotates gas and groceries for 5% cash back throughout the year.
Posted by Teddy Ruxpin
Member since Oct 2006
40833 posts
Posted on 1/14/19 at 9:50 am to
quote:

I’ve never thought of transferring SW points to Chase


You can't transfer from SW to Chase. Only Chase to SW, but I advise against it for the reason cited.

quote:

How do you book your companion if you have a companion pass?


You book the ticket with dollars or points with the account that has CP. After you are done booking the ticket you go back to that account and go to your reservations. There will be a button that says "Add Companion".
Posted by AndyJ
Member since Jul 2008
3586 posts
Posted on 1/14/19 at 11:53 pm to
Thank you!
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
139266 posts
Posted on 1/15/19 at 6:13 am to
quote:

I currently have the CSR but I am looking at something specifically for gas & groceries (we spend $1,000+ monthly).



Chase Freedom for rotating categories, or Chase Freedome Unlimited for 1.5 on everything. I have the Freedom Unlimited and it's working well.
Posted by SLIMNOLA
NOLA
Member since Dec 2013
66 posts
Posted on 1/15/19 at 3:56 pm to
Not sure if you can tell me and I can't find the answer. How do you sign up for a SW business card if you don't have a business? See people referring to the companion hack but not sure how that works.

Any help is appreciated.
Posted by Teddy Ruxpin
Member since Oct 2006
40833 posts
Posted on 1/15/19 at 8:45 pm to
1)Lying
2) Attributing something like selling a few things on eBay as a "business"
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 1/16/19 at 7:42 am to
quote:

1)Lying
2) Attributing something like selling a few things on eBay as a "business"


3. Use your SSN as the business EIN
4. List your first and last name as the business name with no variation


I got the Citi AA business card by putting down selling stuff online and put $0 for revenue

Chase is a bit more strict but people have had success by putting like $2,000 in revenue and 2 years in business. I'll be trying to get one of those next.
Posted by Lsut81
Member since Jun 2005
84975 posts
Posted on 1/16/19 at 7:48 pm to
quote:

Chase is a bit more strict but people have had success by putting like $2,000 in revenue and 2 years in business. I'll be trying to get one of those next.


I got Ink preferred with zero problems

Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 1/16/19 at 8:46 pm to
What did you put for income and years in business? Some people on r/churning report that Chase would want them to supply more info
Posted by Teddy Ruxpin
Member since Oct 2006
40833 posts
Posted on 1/16/19 at 11:16 pm to
I have two Chase business cards from before they started clamping down.

You will only get one card max without a legit business from what I read these days.
This post was edited on 1/16/19 at 11:16 pm
Posted by rintintin
Life is Life
Member since Nov 2008
17059 posts
Posted on 1/17/19 at 9:41 pm to
quote:

am looking at something specifically for gas & groceries (we spend $1,000+ monthly). 


As others have said, Chase freedom frequently has rotating 5% gas stations and grocery. IMO if you have the CSR, having the Freedom is a must because you can combine points. I rack up with those 5% categories then move to my CSR account to get the better value.

Also the Amex gold has 4x's at supermarkets (and dining).
Posted by VABuckeye
NOVA
Member since Dec 2007
38283 posts
Posted on 1/18/19 at 9:20 am to
quote:

Speaking of using points... Whats the best thing to do with American Express points?


I usually transfer them to British Airways Avios when there's a bonus (gets you to 1.4:1) and then use the Avios on partner airlines.
Posted by thundercat_3
Member since May 2016
605 posts
Posted on 1/18/19 at 11:54 am to
Anybody have any strong opinions on the SW deal they are running now for 30k points and a companion pass through 12/31? Have a flight from Birmingham to San Fran with the wife in may that it might make it worth it but I'm not sure
Posted by TheChiefHasArrived
Member since Dec 2011
729 posts
Posted on 1/18/19 at 12:00 pm to
If you have a SW-friendly airport the Companion Pass is the best deal in travel. The only question is if you want to do the deal above for 30K and CP through 2019, or do the business+personal for 110K and get it through 2020. If you're doing it for one specific trip but don't plan to travel much else or are scared of 2 credit cards or getting a business card, just do the first one. You could always get the business card later in the year and extend the CP through 2020.
Posted by thundercat_3
Member since May 2016
605 posts
Posted on 1/18/19 at 3:08 pm to
Makes sense, thanks for the input. We already have The CSP but are saving those point for flights to Greece Summer 2020. I read the comments on the previous page about how to get a business card without actually owning a business but have rental property so I guess I could count that as a business without SW checking into it too hard correct?
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 1/18/19 at 4:00 pm to
quote:

I read the comments on the previous page about how to get a business card without actually owning a business but have rental property so I guess I could count that as a business without SW checking into it too hard correct?

Yea you would be good there. Check this thread out on reddit r/churning page

LINK
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