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re: Credit Card Rewards and Points Discussion

Posted on 12/19/14 at 3:42 pm to
Posted by TheOcean
#honeyfriedchicken
Member since Aug 2004
42460 posts
Posted on 12/19/14 at 3:42 pm to
quote:

Yeah that's tough. I'd hang on to them.




Why is united such a cock block on selling your points?
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/19/14 at 3:52 pm to
Most of them are unfortunately. You can book under another person's name, but just can't send them the points.
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27013 posts
Posted on 12/19/14 at 5:46 pm to
quote:

Josh, I'm confused. I haven't a clue. I've never tried doing such.


What was confusing? I'd be happy to clarify. In short, what's the best card that, instead of using points to purchase nights at hotels up front, you purchase the nights as you normally would, and then use points to remove the charge? That way, I could pay for the hotel on the hotel's site, use my corporate discount code, and then use points to wipe out the charge, hopefully at a decent bonus rate as it would be considered "travel".
Posted by Teddy Ruxpin
Member since Oct 2006
39561 posts
Posted on 12/19/14 at 6:14 pm to
Arrival+ IMO 2.2% return.

Another one similar would be Capical One Venture but that's 2% and at that point you have 2% cash back cards(citi double cash/fidelity amex) which are effectively the same thing.

Arrival has a higher fee by $30 but no foreign transaction fees, TripIt Pro and Credit score. Also $25 increment redemptions as opposed to Cap One's requirement to cover the whole purchase. Of course, you need to put enough on it to make up for that fee, therefore that is why if you aren't using Arrival+ enough I think a no fee 2% card is the way to go arithmetic wise, unless those benefits have $89 worth of value to you.

Eta: it's at least worth getting for the bonus of course
This post was edited on 12/20/14 at 12:23 pm
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/24/14 at 8:07 am to
MY wife got denied the Club Carlson card. First denial.
So, we're freezing her ARS and IDA credit accounts and going to try again in 6 months or so.
For those interested in card, check out this site before you apply. It's a great card to travel Europe with. Probably the best IMO.
LINK
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35493 posts
Posted on 12/24/14 at 8:37 am to
Sounds like gaming the system to me. I don't know of any card that allows you to use points after the fact to get a refund on a room that you've subsequently gotten a discount on and then get a discount on the points used.

You're stretching it on this one IMO.
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27013 posts
Posted on 12/24/14 at 9:14 am to
Unless I'm misunderstanding how cards like the Arrival redeem (i.e. after the fact) how much I paid for the room should be irrelevant:

LINK /

So let's say I log into the Roosevelt New Orleans website and use my corporate code to reduce the advertised rates on a room from $250 per night to $199. I then purchase two nights. On my (hypothetical) Arrival points redemption page, that would show up simply as a $400ish charge from the Roosevelt. The fact that I used a corporate code should be irrelevant, n'est-ce pas? And if so, I could then use my Arrival points, including the 10% travel bonus, to wipe out the charge.
This post was edited on 12/24/14 at 9:22 am
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/24/14 at 9:30 am to
That is correct. That is how the Arrival works.
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35493 posts
Posted on 12/24/14 at 10:35 am to
Ok, that makes sense.

Merry Christmas to all you point/mile hoarding bastards!
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/24/14 at 11:47 am to
quote:

Merry Christmas to all you point/mile hoarding bastards!
Posted by Azazello
Member since Sep 2011
3182 posts
Posted on 12/25/14 at 4:12 am to
Merry Christmas!

I'm about to drop all 180k Marriott points on a 5 night stay in Puerto Rico on a post deployment trip for me and the wife. These things have been burning a hole in my pocket for a while.



Posted by VABuckeye
Naples, FL
Member since Dec 2007
35493 posts
Posted on 12/25/14 at 8:51 am to
Nice. Do you have the Marriott card from Chase? They're cuurently offering 70k points plus a free night plus a free night annually to elite members that sign up for the card. The spend is only $2k.
Posted by BACONisMEATcandy
Member since Dec 2007
46643 posts
Posted on 12/25/14 at 2:32 pm to
Glad you made it home safely

Was a good year for my Amex... I spent more on my Amex than my Annual Salary

Merry Christmas everyone!
Posted by Teddy Ruxpin
Member since Oct 2006
39561 posts
Posted on 12/25/14 at 7:55 pm to


This Virginia weather has been perfect (to me).
Posted by htownjeep
Republic of Texas
Member since Jun 2005
7612 posts
Posted on 12/25/14 at 11:49 pm to
Platinum annual dues are next month....decisions decisions...
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35493 posts
Posted on 12/26/14 at 7:36 am to
Does the regular platinum come with lounge access like the business does?
Posted by Boh
Baton Rouge
Member since Oct 2009
12357 posts
Posted on 12/26/14 at 9:25 am to
Inexperienced novice question:

When a card has an annual fee such as $99, are you required to pay that fee if you cancel the card after 3 months of getting the bonus rewards?
Posted by hiltacular
NYC
Member since Jan 2011
19667 posts
Posted on 12/26/14 at 10:55 am to
They usually make you pay the fee at signup so you can't get the bonus' and then immediately cancel.

Some cards waive the fee for the first year and in these cases, you can get the signup bonus and cancel the card before the year runs up and you have to pay the fee
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/26/14 at 11:05 am to
quote:

Platinum annual dues are next month....decisions decisions...
AMEX does pro rate their fees. Get your airline credit to hit and then cancel the card.
This post was edited on 12/26/14 at 11:10 am
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 12/26/14 at 11:05 am to
quote:

Does the regular platinum come with lounge access like the business does?
Yes.
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