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re: Credit Card Rewards and Points Discussion
Posted on 4/26/19 at 3:11 pm to bbap
Posted on 4/26/19 at 3:11 pm to bbap
I want to save up about $10,000 worth of points and take a big trip all at once to Europe or Asia. I am going to pair it with other hotel points I have as well and try to only pay for food and drinks.
Would you suggest waiting and opening a CSR card in the year that we look to use the points for the travel to get the 1.5 redemption and free travel credit as well?
Would you suggest waiting and opening a CSR card in the year that we look to use the points for the travel to get the 1.5 redemption and free travel credit as well?
1
Posted on 4/26/19 at 3:15 pm to TigerGrad2011
I'm currently in the same process.
Yes I'd definitely open the csr at some point. In my opinion you made a bit of a mistake by choosing the csp over the csr (although I did both for both sign up bonuses - one in my name, one in the wife's).
Redeems at 1.5 instead of 1.25
3x on travel and food vs I believe 2x
And once you back out the travel credits it's only $50 more a year in annual fee.
But yeah I think the CSR is a great card to have and I do recommend getting it before your big trip.
Yes I'd definitely open the csr at some point. In my opinion you made a bit of a mistake by choosing the csp over the csr (although I did both for both sign up bonuses - one in my name, one in the wife's).
Redeems at 1.5 instead of 1.25
3x on travel and food vs I believe 2x
And once you back out the travel credits it's only $50 more a year in annual fee.
But yeah I think the CSR is a great card to have and I do recommend getting it before your big trip.
Posted on 4/26/19 at 4:38 pm to TigerGrad2011
quote:
How often can you open cards for each of us in chase
Once every 3 months is safe. The business cards don't count towards 5/24.
quote:
I want to save up about $10,000 worth of points and take a big trip all at once to Europe or Asia.
You can apply for the Chase Ink Preferred (one more time), Chase Ink Unlimited, and Chase Ink Cash. Your wife can apply for the Chase Sapphire Reserve, Chase Ink Preferred (two times), Chase Ink Unlimited, and Chase Ink Cash. That's 490,000 points not including the spend to get the bonuses in until you already have.
The only issue you may run into is the amount of credit you have with Chase. So you may have to decrease the credit limits on some of those cards.
Posted on 4/26/19 at 5:56 pm to wizziko
I want to start building credit for my daughter. Which idea is best?
Getting her a starter card or adding her as an authorized user to one of my cards?
If I got her a starter card I don't really plan on letting her hold it. I may just add a couple of recurring expenses on that card and maybe let her use it when she needs gas.
I'm not hugely worried about points. I mainly just want to start building her credit so she's not leaving college with a blank slate.
I just don't know what builds credit better, being an authorized user on my card or having one in her name.
Getting her a starter card or adding her as an authorized user to one of my cards?
If I got her a starter card I don't really plan on letting her hold it. I may just add a couple of recurring expenses on that card and maybe let her use it when she needs gas.
I'm not hugely worried about points. I mainly just want to start building her credit so she's not leaving college with a blank slate.
I just don't know what builds credit better, being an authorized user on my card or having one in her name.
Posted on 4/27/19 at 10:23 am to bbap
quote:
Getting her a starter card
This is better than AU. Models are starting to weigh AUs less
quote:
so she's not leaving college with a blank slate.
Take out a Stafford loan for her. I did it to build credit in college. Huge help to my credit score
Also was very fortunate since that extra $ left over upon graduation helped pay my first month on the job before my paycheck arrived.
Not many places offer an unsecured loan at some 3-4% interest
This post was edited on 4/27/19 at 10:24 am
Posted on 4/27/19 at 10:56 am to bbap
Good suggestions already and you're right to start preparing her history now.
Don't keep the card away from her. She needs to learn to use it responsibly. Getting a student loan is a good idea. Capital One and Discover both have cards geared towards students.
True story. Friends paid for everything for their daughter while she was in school. Rent, tuition, expenses. It was all paid by them with cash. She graduated from William & Mary with honors and her first job paid $85k a year. She could not get approved for an apartment without a co-signer because mom and dad paid for and put everything in their names.
Don't keep the card away from her. She needs to learn to use it responsibly. Getting a student loan is a good idea. Capital One and Discover both have cards geared towards students.
True story. Friends paid for everything for their daughter while she was in school. Rent, tuition, expenses. It was all paid by them with cash. She graduated from William & Mary with honors and her first job paid $85k a year. She could not get approved for an apartment without a co-signer because mom and dad paid for and put everything in their names.
This post was edited on 4/27/19 at 10:57 am
Posted on 4/27/19 at 11:59 am to VABuckeye
Roger that. Thanks fellas for the tips.
Posted on 4/29/19 at 1:00 pm to bbap
I have a possibly similar question, but my wife is trying to build her credit a bit this year (shes currently around 690) Is there a decent site where she can punch in her info and compare a list of card offers? Just to not waste time and send a barrage of inquiries to her report applying for cards she might not get
Posted on 4/29/19 at 8:59 pm to Malefic Runt
My niece is going on a trip to Europe over the summer. Being in college, she has little to no credit history. Is there a card that she might be able to get that she could use to avoid needing to hold a bunch of cash and not have to pay foreign transaction fees?
Posted on 5/1/19 at 7:35 pm to Belly
i haven't gotten a new CC in a bit. looking for the best cash back cards. thinking a Chase Freedom
3% the first year and 1.5% back after. no annual fee
the wells fargo card has 1.5% cash back (1.8% for Apple or Google pay) and a $150 sign up bonus
any other good options for CB? elite sign up bonuses?
3% the first year and 1.5% back after. no annual fee
the wells fargo card has 1.5% cash back (1.8% for Apple or Google pay) and a $150 sign up bonus
any other good options for CB? elite sign up bonuses?
Posted on 5/1/19 at 11:12 pm to SlowFlowPro
quote:
i haven't gotten a new CC in a bit. looking for the best cash back cards. thinking a Chase Freedom
3% the first year and 1.5% back after. no annual fee
thats the freedom unlimited, make sure you're getting that one and not the regular freedom (5% back on quarterly categories)
I just got the freedom unlimited. one of the best deals doing right now
Posted on 5/2/19 at 9:07 pm to Carson123987
Anyone seen the new Southwest Priority Card?
60k pts after 2k spend
$75 Airline Credit
4 Upgraded Boardings ($160 value)
$149 annual fee
Tempting... Would get Campanion Pass for next year at this point and could easily turn the 60k into 3 round trip (6 w/ companion)
60k pts after 2k spend
$75 Airline Credit
4 Upgraded Boardings ($160 value)
$149 annual fee
Tempting... Would get Campanion Pass for next year at this point and could easily turn the 60k into 3 round trip (6 w/ companion)
Posted on 5/3/19 at 2:28 pm to Lsut81
How much do you have to spend to get Companion Pass?
Posted on 5/3/19 at 4:19 pm to SuperDomed
quote:
How much do you have to spend to get Companion Pass?
110k points
Posted on 5/3/19 at 5:48 pm to Lsut81
If you get the cards and get the companion pass, is that forever, or do you have to re-earn it annually?
Posted on 5/3/19 at 11:42 pm to kywildcatfanone
Its for the remained of this year and the next. So,the ideal situation is open the business card and the personal cards in November(ish) and meet the minimum spends in January so you have an effective 2 years of companion pass.
You may need to spend a little bit more since usually the bonus is 40K and 60K for personal and business respectively.
You may need to spend a little bit more since usually the bonus is 40K and 60K for personal and business respectively.
Posted on 5/4/19 at 11:51 am to SlowFlowPro
Ive been looking today for cash back cards as well. The best one Ive seen is the Citi double cash card. Just a straight up 2%. No bonus, no fee, no category. Ill probably get that one for one business that mainly pays fees and general merchandise.
For my fuel intensive business the chase Ink pencils out better, but not by much. For my specific needs anyway.
For my fuel intensive business the chase Ink pencils out better, but not by much. For my specific needs anyway.
Posted on 5/22/19 at 3:39 pm to willeaux
Got hit with Serve shutdown letter on card that's barely 2 months old. Just started to get comfortable liquidating vcgs that way. Back to MOs. It was fun while it lasted.
Posted on 5/22/19 at 8:08 pm to fatboydave
Sucks. I was doing 20k/ month (P2). Was able to sign up for 4 more yesterday, hopefully not total ban.
Posted on 5/22/19 at 9:35 pm to fatboydave
Serve booted me years ago when they first started cracking down. Got a year or two before they did though.
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