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re: Credit Card Rewards and Points Discussion

Posted on 8/29/19 at 9:22 am to
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 8/29/19 at 9:22 am to
quote:

So if I link one of those cards to the same account as my others it should give me the option to collect in cash back or points after reaching the 3k within 3 months threshold?

Yes it should work that way. I don't have any personal Chase cards to verify but I believe both business and personal cards can be on the same account.

quote:

Also, would I use the same "business" as previously used for the ink preferred or make up a new one for the other 2 business cards


Yea I would keep everything the same. People have had success applying for a second Ink Preferred by adding or removing their middle initial in the application process. I'm not gonna risk trying that
Posted by TigerMan327
Elsewhere
Member since Feb 2011
5167 posts
Posted on 8/29/19 at 10:06 am to
quote:

Yes it should work that way. I don't have any personal Chase cards to verify but I believe both business and personal cards can be on the same account.



Yeah I've got my sapphire and ink card on the same account already.

quote:

Yea I would keep everything the same. People have had success applying for a second Ink Preferred by adding or removing their middle initial in the application process. I'm not gonna risk trying that



I'm forming an LLC in december for the next tax year because i'm an IC. Gonna get a new ink preferred then using the LLC. Wanted something to churn through before then.

Guess I'll hope on one of these other cards
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 8/29/19 at 12:39 pm to
quote:

I'm forming an LLC in december for the next tax year because i'm an IC. Gonna get a new ink preferred then using the LLC. Wanted something to churn through before then.

You should be able to double dip on each of those cards using your LLC
Posted by donRANDOMnumbers
Hub City
Member since Nov 2006
16909 posts
Posted on 9/3/19 at 10:25 am to
Friends, wife starting new position where she will be driving about 20k miles a year for work. we will be banking with Chase.

which would be the best business credit card to take advantage of the fuel expense?
or easier just to stick with Chase Ink?
Posted by baldona
Florida
Member since Feb 2016
20481 posts
Posted on 9/3/19 at 12:03 pm to
quote:

which would be the best business credit card to take advantage of the fuel expense?
or easier just to stick with Chase Ink?



I don't have a clue here, but for pure gas you may be better off getting a fuel card. Many you save 5% I'm pretty sure. Now if she is going to be doing a lot of hotels and eating out that would be different.
Posted by BigOrangeVols
Knoxville
Member since Jul 2015
3067 posts
Posted on 9/12/19 at 9:36 am to
Just started a new job in which i will be traveling a hefty amount and will be reimbursed for all expenses. I won't be using any one hotel/airline religiously so I'd like a card that gives the best bang for your buck on general travel. Currently looking at Navy Federal's Flagship rewards card or Capital One Venture Rewards. Any input?
Posted by Civildawg
Member since May 2012
8566 posts
Posted on 9/12/19 at 10:43 am to
I would say Chase sapphire reserve or the sapphire preferred
Posted by Uhtred
Bebbanburg
Member since Sep 2018
702 posts
Posted on 9/13/19 at 1:22 pm to
quote:

Just started a new job in which i will be traveling a hefty amount and will be reimbursed for all expenses. I won't be using any one hotel/airline religiously so I'd like a card that gives the best bang for your buck on general travel. Currently looking at Navy Federal's Flagship rewards card or Capital One Venture Rewards. Any input?


AMEX Platinum for your flights (5x points on airfare plus gold status at all Marriott and Hilton properties; access to Centurion Lounges at airports)

-AND-

Chase Sapphire Reserve (3x points on travel, use this for your hotels, it also gives you Priority Pass lounge access that includes some airport restaurants)
Posted by donRANDOMnumbers
Hub City
Member since Nov 2006
16909 posts
Posted on 9/27/19 at 2:39 pm to
just found this amazon card. looks legit. any thoughts?
Posted by Ingeniero
Baton Rouge
Member since Dec 2013
18287 posts
Posted on 10/1/19 at 6:46 am to
If you're talking about the chase Amazon card, I have it and like it a lot. 3% back on Amazon purchases (5% if you have prime) 2% back on gas and restaurants, 1% back on everything else. Rewards are in Amazon credit. I use the hell out of mine though.
Posted by Uhtred
Bebbanburg
Member since Sep 2018
702 posts
Posted on 10/2/19 at 12:24 pm to
United Airlines put out an FAQ on their upcoming dynamic award pricing, and it sucks.

At first, they said that on Nov. 15 they were moving to dynamic award pricing for United flights, but would not change award pricing for partner awards. Now they are indicating that they will also be moving to dynamic pricing for partner awards.

--Dynamic pricing is a fancy term for 'we no longer have a set award pricing chart and it will now cost more points to fly'--

This means they are devaluing their currency across the board, which has big implications to Chase Ultimate Rewards points. If United goes the way of Delta, then Chase UR points will be relatively useless for international business class fares (with the exception of Air France/KLM), and really only holds great value if you have the Reserve card and use the 1.5 cents per mile to book domestic or international economy via their travel portal.

This is disappointing. I was planning on dropping my Citi ThankYou Premier card, but now LifeMiles has become a bigger priority for me to secure Star Alliance international business class awards.

And with AMEX, you can transfer points to both LifeMiles and Aeroplan for access to decent Star Alliance international business class awards.

AMEX and Citi have now supplanted Chase, imo, unless Chase goes out and gets another travel partner. After losing Korean, and with United devaluing its currency, Chase is losing its luster... and the Emirates partnership doesn't compensate considering Emirates' value of its currency.
This post was edited on 10/2/19 at 12:29 pm
Posted by Teddy Ruxpin
Member since Oct 2006
39584 posts
Posted on 10/2/19 at 1:11 pm to
You may be right but I think it's jumping the gun a bit. What they said doesn't necessarily equate to dynamic pricing on partner flights.

Also, I'd be surprised if United did that before other airlines had figured out how to dynamically price partners, as that's a lot harder to do with inventory your airline doesn't control.

Perhaps they are going to arbitrary raise some partner award redemptions which would essentially just make it a regular devaluation.
Posted by Uhtred
Bebbanburg
Member since Sep 2018
702 posts
Posted on 10/2/19 at 1:23 pm to
I hope you're right. I would hate for United MileagePlus to go the way of Delta SkyMiles and put a dent in the value of Chase Ultimate Rewards points.

Posted by LSUlove
Louisiana
Member since Oct 2003
518 posts
Posted on 10/3/19 at 8:13 pm to
What would be the best personal card for points right now? I’m gonna be charging about $80,000 in the next year for a group trip that I’m planning. I don’t typically use a credit card for my personal expenses and I want a card just for this trip since I’m planning it for other people and will be receiving money from them. I don’t want to mix it with my own expenses. I figured this would be an easy way to rack up some points. Thoughts?
Posted by Uhtred
Bebbanburg
Member since Sep 2018
702 posts
Posted on 10/4/19 at 7:25 am to
quote:

What would be the best personal card for points right now? I’m gonna be charging about $80,000 in the next year for a group trip that I’m planning.


Woah!

I would suggest the Chase Sapphire Reserve. You're going to get 3 points for every dollar you spend on travel-related expenses. You'll also receive a 50,000-point sign-up bonus.

So between your charges and the bonus, you should have around 300,000 points after paying for the trip. You can transfer those points to various airlines and actually be able to travel around the world in first class.

There are also many perks with the Reserve card (lounge access, trip insurance, $300 travel credit, TSA/Global entry reimbursement).
Posted by LSUlove
Louisiana
Member since Oct 2003
518 posts
Posted on 10/4/19 at 9:03 am to
About $28k will be spent with Southwest booking flights. This is a trip to Disney so other large portions will be charged to them. About 40k for tickets and about 20K for rooms. Would that info change the cards you suggest?
Posted by AndyJ
Member since Jul 2008
2755 posts
Posted on 10/4/19 at 9:26 am to
Yes. Get a SW card for the flights to get companion pass (do it early in the calendar year, you get the pass for the rest of the year in which you earn it, plus the following year).

Then I’d get a CSR card for the rest.
Posted by Uhtred
Bebbanburg
Member since Sep 2018
702 posts
Posted on 10/4/19 at 9:29 am to
quote:

About $28k will be spent with Southwest booking flights. This is a trip to Disney so other large portions will be charged to them. About 40k for tickets and about 20K for rooms. Would that info change the cards you suggest?


You could keep it simple and just go with a Chase Sapphire Reserve, accumulate a bunch of points and not worry about a bunch of stuff. Or you be like me and do everything possible to maximize your points, which would require opening three separate cards for this trip.

If you wanted to be a bit more complex and maximize everything:

1) AMEX Platinum (60,000-point sign-up bonus, 5x points on airfare and a ton of perks) or a Southwest card to accrue enough points for a companion pass.

2) Citi ThankYou Premier (50,000-point sign-up bonus, 3x points on travel, 2x points on entertainment (including tickets to Disney))

3) Chase Sapphire Reserve (50,000-point sign-up bonus, 3x points for travel and dining)

This post was edited on 10/4/19 at 9:31 am
Posted by NATidefan
Two hours North of Birmingham
Member since Dec 2008
36084 posts
Posted on 10/4/19 at 4:01 pm to
Walmart has two new cards out. They have joined with Capital one.

5% cash back for the first year on in store purchases if you use walmart pay.

5% cash back on walmart.com and grocery pickup (unlimited)

2% cash back on Walmart and Murphy gas stations (unlimited)

1% everywhere else.


The 5% cash back on grocery pickup is a great deal.
Posted by SLafourche07
Member since Feb 2008
9928 posts
Posted on 10/4/19 at 5:19 pm to
That's going to be a winner for me. We do grocery pickup pretty much every week.
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