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re: Credit Card Rewards and Points Discussion

Posted on 10/4/19 at 9:26 am to
Posted by AndyJ
Member since Jul 2008
3586 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
944 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
36787 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
10054 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.
Posted by NATidefan
Two hours North of Birmingham
Member since Dec 2008
36787 posts
Posted on 10/4/19 at 5:41 pm to
Yep, we have started using it every week as well
Posted by SLafourche07
Member since Feb 2008
10054 posts
Posted on 10/4/19 at 6:24 pm to
Already applied and accepted.


But of course my wife set up the pickup like 5 minutes before I was done.
Posted by NATidefan
Two hours North of Birmingham
Member since Dec 2008
36787 posts
Posted on 10/4/19 at 7:22 pm to
Get a decent limit?
Posted by SLafourche07
Member since Feb 2008
10054 posts
Posted on 10/4/19 at 7:50 pm to
10k.


Only plan on using it at Walmart so I wasn't worried about it.
Posted by VABuckeye
NOVA
Member since Dec 2007
38283 posts
Posted on 10/11/19 at 10:39 am to
Do the United changes to status earning help anyone else? I just checked and while I'm not quite there per the current guidelines for status if I do the same flights next year I'll achieve it easily.
Posted by Carson123987
Middle Court at the Rec
Member since Jul 2011
68033 posts
Posted on 10/11/19 at 10:55 am to
CSR gave me a 6.99% APR until April (not that it matters). Why do companies do this? Hope that tards will run up balance and not pay it off before it jumps back up?
Posted by NATidefan
Two hours North of Birmingham
Member since Dec 2008
36787 posts
Posted on 10/11/19 at 11:56 am to
quote:

CSR gave me a 6.99% APR until April (not that it matters). Why do companies do this? Hope that tards will run up balance and not pay it off before it jumps back up?


Yes, its how they make their money.
Posted by Teddy Ruxpin
Member since Oct 2006
40827 posts
Posted on 10/11/19 at 11:56 am to
Of course. They make money from interest payments and swipe fees.
Posted by TigerDeBaiter
Member since Dec 2010
10727 posts
Posted on 10/11/19 at 7:55 pm to
quote:

CSR gave me a 6.99% APR until April (not that it matters). Why do companies do this? Hope that tards will run up balance and not pay it off before it jumps back up?


Got the same. I think it’s targeted at folks who put a lot on the card each month but always pay the statement balance. Probably to get them to buy something they can’t afford.
Posted by gobuxgo5
Member since Nov 2012
10343 posts
Posted on 10/11/19 at 9:55 pm to
Nice!
Posted by fatboydave
Fat boy land
Member since Aug 2004
17979 posts
Posted on 10/17/19 at 7:32 am to
SW companion pass will require 125,000 points next year. Also announced that points will not expire.
This post was edited on 10/17/19 at 7:34 am
Posted by Teddy Ruxpin
Member since Oct 2006
40827 posts
Posted on 10/17/19 at 7:35 am to
Thank goodness I got that Performance card at 80k this past week.

Personal still on deck so as long as approval occurs it shouldn't change things for me too much.
This post was edited on 10/17/19 at 7:38 am
Posted by fatboydave
Fat boy land
Member since Aug 2004
17979 posts
Posted on 10/17/19 at 7:41 am to
quote:

Thank goodness I got that Performance card at 80k this past week.

P2 applied Tuesday.
I wonder if it will keep some away that dont want to ms the difference with the lower bonuses.
Posted by tween the hedges
Member since Feb 2012
20637 posts
Posted on 10/17/19 at 9:35 am to
Any thoughts on the new delta Amex program?

I currently have the gold but thinking of upgrading to the platinum for an extra hundred on the annual fee. Is the companion certificate a pain to actually use? Extra miles for hotels and flights seems nice, although it doesn’t have a 100 dollar flight credit for spending 10 grand like the gold
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
139257 posts
Posted on 10/17/19 at 10:27 am to
I have this card.

quote:

Is the companion certificate a pain to actually use?


Can be, I don't know the algorithm, but from where we live and want to go, some of the locations are blacked out and not available, so you have to be prepared for that.
I think it's worth the $195 to get the companion ticket, and almost every ticket we buy costs $500 plus, so getting one for just the fee makes it worthwhile to us.


Posted by hiltacular
NYC
Member since Jan 2011
20201 posts
Posted on 10/17/19 at 10:31 am to
quote:

Is the companion certificate a pain to actually use?

No it's very easy. My primary reason for the platinum is the status waiver but I probably break even with the companion certificate.
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