re: Credit Card Rewards and Points Discussion

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Yeah, get ready. My daughter is 10 and even younger son expects business class on all international flights now. SMH.

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My oldest is still pretty young, so he probably doesn't notice how nice the hotel suites are

We haven't taken them international yet but it's coming.

Credit can be used for anything on Dell’s site.

Dell credits can easily be “triple dipped” for a total of $600 credit. Getting the plat card in June or November and then canceling the card in 13 months before having to pay another annual fee.

Pair the Dell purchase with Rakutan (linked to Amex for MR pts instead) Usually a monthly promotion of 10-15% “ cash back “ through Rakutan for Dell purchases.

Dell allows up to 3 different form/split payments for purchase. I usually have multiple Plat cards at any given time so I can use up to $600 Dell credit for a single purchase.

Alright, I've delayed and need to pull the trigger.
I need the best hotel and dining card options.

Been using my Amex Plat and have earned 120k Points in Airfare, so that card makes sense there.

The problem is I've earned 60k points on everything else so far this year (mainly hotels and dining for work).

End of year, so looking to scoop up 1 or 2 cards to maximize that going into next year. Thoughts?

Saw Marriott Bonvoy Boundless, but I'm confused on how points are earned since I already have Titanium status with Marriott.

For dining, was thinking Amex Gold, but looks like they cut the 100 airline credit they used to have, so the 250 fee isn't as quick to offset.

He already has an Amex Platinum which would be largely duplicative on the benefits side and CSR is worse on airfare. However, it would give him 3x on other travel that Platinum doesn't. In this scenario, the Sapphire Preferred may be better to the Reserve, as it avoids a lot of the bloat and fees, and forgoes 1 point on dining and travel but otherwise fills in that gap.

Also, CSR 3x dining is essentially worthless because the no fee Freedom Unlimited gives you 3x dining (not to mention Amex Gold is 4x here), and you also get 1.5 everywhere else. I don't have a Reserve for many of these reasons. That card has lost its luster and place within the Chase lineup and against competitors.

As for Amex Gold, for me the Uber credit takes $120 off easy. I also get $10 a month off GrubHub easy enough doing $10 pickup orders once a month. While not a "travel" benefit, 4x groceries is nothing to scoff at.

I don't have it, but another to consider is Capital One Venture X. Some diversification, 2x everywhere, and offsetting the annual fee in total should be relatively easy.

For hotels, with your spend you maybe interested in having Hyatt Personal and Business. If not enough nights from stays, you could spend your way to Globalist.

Platinum is great but I wish they partnered with Alaska Airlines and or United.

I just got a Garmin smartwatch on Dell to use my $200 credit (Platinum). I like it. Will probably use the other $200 on noise cancelling headphones in January when they are on sale. They have some pretty nice backpacks as well.

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10x points on hotels/flight 5x points on rental cars

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But that’s only if you book and pay through them, correct?

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Correct.

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90% of my hotels are are work. So can't pay in advance, need a receipt from hotel, etc...

Do I get all of that if I go through them? Also, do I get my same points from Marriott for my stay?

So 10 times cc points from CapOne and then my Titanium points from Marriott?

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However, if you book hotels in a major loyalty program — like Marriott Bonvoy or Hilton Honors — through Capital One Travel, you likely won't receive points. You also won't enjoy any elite status perks.

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That’s a no for me dawg… not sure why any regular traveler would do this. Maybe something in missing