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re: Credit Card Rewards and Points Discussion
Posted on 7/16/21 at 9:58 am to Lazy But Talented
Posted on 7/16/21 at 9:58 am to Lazy But Talented
quote:
Wondering if I should try and churn Ink too. I haven't looked into churning in years though. Have the restrictions tightened on non-business owners opening business cards?
I've always used my SSN and never had an issue with the three business cards I have. I don't have a legit business but I do some work on the side from time to time which is usually good enough for most banks. I'm going to look at the Chase Ink Preferred next year for my son's tuition and just eat the fee.
1
Posted on 7/16/21 at 10:41 am to Phate
I really can't remember when I actually got my bonus with my CSR... Is there any quick way to check this?
I have a crap memory when it comes to this. Hate to sign up for the card if I'm still in the 48 month window.
ETA: Ok so it looks like I received the CSR signup bonus from the statement in 6/4/2017. I should be eligible to receive the signup bonus again.
I have a crap memory when it comes to this. Hate to sign up for the card if I'm still in the 48 month window.
ETA: Ok so it looks like I received the CSR signup bonus from the statement in 6/4/2017. I should be eligible to receive the signup bonus again.
This post was edited on 7/16/21 at 10:58 am
Posted on 7/16/21 at 10:47 am to Lazy But Talented
I'm sure you're not like me and don't have that many CCs.
You can sign up for something like Credit Karma and then go back through your credit report pulls.
One will be Chase Bank. Since the bonus probably had to be earned 3 months from the credit pull, you just count 51 months or so from the credit pull.
You can sign up for something like Credit Karma and then go back through your credit report pulls.
One will be Chase Bank. Since the bonus probably had to be earned 3 months from the credit pull, you just count 51 months or so from the credit pull.
Posted on 7/16/21 at 10:49 am to Teddy Ruxpin
They put the type of credit card at the top of the statements. So I was able to backtrack to my first statement with the CSR. Went back 3 months to see which month the bonus hit. And boom - June 2017.
Should be good to go.
Should be good to go.
Posted on 7/16/21 at 11:45 am to Phate
It didn't ask for one. It was already pre-loaded on my chase account under offers.
Posted on 7/16/21 at 11:50 am to Lazy But Talented
Got ya
Posted on 7/16/21 at 12:39 pm to Lazy But Talented
Ya the whole damn CC number is on those.
Didn't recall they offered the statements going back four years on the website. Good reminder.
Didn't recall they offered the statements going back four years on the website. Good reminder.
This post was edited on 7/16/21 at 12:40 pm
Posted on 7/16/21 at 1:14 pm to Teddy Ruxpin
I just DM on the site and ask when I received bonus. I had downgraded CSR and wanted to get the CSP and did not want to miss the bonus. Just got CSP for myself and wife this year. Need to churn my business card soon.
Posted on 8/17/21 at 11:00 am to jerryc436
Just received an email for my CSR on its new reward system:
5X points on flights booked though ultimate rewards.
10X points on hotels booked through ultimate rewards.
10X point on prepaid restaurants booked through ultimate rewards.
edit: the new bonus points go into effect after the initial $300 annual spend on travel which is still credited.
You'll still get 3X on all of these if purchased outside of the UR portal.
5X points on flights booked though ultimate rewards.
10X points on hotels booked through ultimate rewards.
10X point on prepaid restaurants booked through ultimate rewards.
edit: the new bonus points go into effect after the initial $300 annual spend on travel which is still credited.
You'll still get 3X on all of these if purchased outside of the UR portal.
This post was edited on 8/17/21 at 11:07 am
Posted on 8/17/21 at 3:39 pm to TTownTiger
I’m currently in the boat of trying to decide weather to go with the CSP or the CSR. We travel moderately on normal years <$10k and I currently have a Marriott Bonvoy card. On one hand the CSR’s annual $300 travel credit is appealing, but the CSP’s low fee and 100k bonus points is also a draw. What say the MT?
Posted on 8/17/21 at 4:30 pm to PolarPop5
Neither card is that good outside of the signup bonus
Posted on 8/18/21 at 2:13 pm to PolarPop5
CSP is arguably a better card with recent changes and the sign-up bonus is much higher. Lounge access is nice, but so many cards have that nowadays and you can always upgrade next year and will have 30K more points from the sign up bonus this year.
Posted on 8/19/21 at 8:52 pm to TheChiefHasArrived
I have been banking with BofA forever, but I just read all about their CRT training for employees. I need a new bank and credit card for travel.
Who offers the best deals and are not part of the new woke culture?
Who offers the best deals and are not part of the new woke culture?
Posted on 8/20/21 at 4:18 am to kywildcatfanone
Mine was automatic, they charged me $450. I understand that is for existing card holders. If you are new to sign up, it’s $550.
Posted on 11/18/21 at 10:08 am to htownjeep
I dropped my Chase SR two months ago and I'm considering the Venture X. I've never had a Cap One issued card. Any advice or thoughts on the new Venture X?
Posted on 11/18/21 at 1:48 pm to Eyeball
quote:
I dropped my Chase SR two months ago and I'm considering the Venture X. I've never had a Cap One issued card. Any advice or thoughts on the new Venture X?
100,000-point sign up bonus
10,000-point anniversary bonus
2x points on all purchases
access to the Cap One lounges (which will be a nice addition to various airports)
Priority Pass access
ETC...
Ever since Capital One enhanced its transfer ratios to 1:1 with just about all of its airline partners, it's been a great choice and on even par with Chase and AMEX and just a tad higher than Citi, in my opinion, in terms of overall value (unless Citi maintains the ability to transfer to American, I prefer the transfer partners of the others overall).
The Venture X is the best new card on the market.
Posted on 1/14/22 at 4:35 am to Uhtred
Bumping for a new question…. Thoughts on best travel card if company will be reimbursing travel (flights, hotel, rentals, etc)?
I’m thinking Amex Plat with the 5x pts for flights and hotels
Then looks like you can get a Gold card w/ it for 4x on dining
Thoughts?
I’m thinking Amex Plat with the 5x pts for flights and hotels
Then looks like you can get a Gold card w/ it for 4x on dining
Thoughts?
Posted on 1/14/22 at 6:26 am to Lsut81
I have Plat and Gold.
Wait for 100k Plat and 60k Gold offers and you'll clean up. Though when I got Plat it had the 10x gas and groceries. Don't forget, Gold is 4x groceries too.
Plat fee is a bit absurd, and the credits are a damn coupon book now.
Anyway, I'll drop plat when fee jumps to $700 but if your company is covering stuff Amex MR isn't a bad haul of points to have. The airline partners like ANA create some nice options (for now) that UR has lost with devaluations of their partner airlines.
Wait for 100k Plat and 60k Gold offers and you'll clean up. Though when I got Plat it had the 10x gas and groceries. Don't forget, Gold is 4x groceries too.
Plat fee is a bit absurd, and the credits are a damn coupon book now.
Anyway, I'll drop plat when fee jumps to $700 but if your company is covering stuff Amex MR isn't a bad haul of points to have. The airline partners like ANA create some nice options (for now) that UR has lost with devaluations of their partner airlines.
This post was edited on 1/14/22 at 7:28 am
Posted on 1/14/22 at 7:48 am to Teddy Ruxpin
quote:
Wait for 100k Plat and 60k Gold offers and you'll clean up. Though when I got Plat it had the 10x gas and groceries. Don't forget, Gold is 4x groceries too.
Already have gold with the 60k offer... Plat is running 100k right now.
So I'm confused, in the Platinum "offerings' it says "get a gold card at no additional cost" So I read that as you don't have the $250 fee on the gold. Am I wrong?
Yeah, the fee is ridiculous, but can't think of a better card. The 5x points on air and hotel will prob equal out to 80-100k pts a year
Posted on 1/14/22 at 8:02 am to Teddy Ruxpin
quote:
I'll drop plat when fee jumps to $700
So I just hit my one year anniversary with my Platinum and my $695 fee should hit any day now. I got the 100k bonus and still sitting on about 65k points.
Trying to decide what to do. Leaning toward downgrading to Amex Green to preserve the points ($150 annual fee). Another option is to transfer the points to a travel partner and close the card, but I don’t want to piss off Amex. And I can’t see just keeping the card another year at that steep fee..
Any thoughts? What would you do?
ETA: I don’t want to downgrade to gold because then I would be ineligible for a bonus on that in the future.
This post was edited on 1/14/22 at 8:03 am
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