irvinehomeowner
Well-known member
woodburyowner said:
Yep, had converted points to Avios a while ago because I heard how good they are but have not been able to schedule any flights with them. I should check because I think they expired already.
Which credit card do you use the most?
- Thread starter ps99472
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NEW -> Contingent Buyer Assistance Program
Yep, had converted points to Avios a while ago because I heard how good they are but have not been able to schedule any flights with them. I should check because I think they expired already.
A new one that has come up is Singapore Krisflyer > Alaska Airlines > Hawaii for 12k one way... a slightly better deal.
You beat me to it. I was going to say the same exact thing.
DoctorOfCredit.com is my go to site and he does not get referral fees from the credit card companies. I have things pretty dialed in these days, so I simply wait for his weekly e-mail on Mondays to see if any new deals are out that I'm interested in.
They also charge $75 for an authorized user and since I play this game in 2-player mode (wife), the actual difference is then $130. Also, regarding the travel credit, there are some years where I might not max out the $300, which makes it an even worse deal for me.
Avios expire after 36 months of inactivity, making it one of the more generous programs. If your points are still there, any activity will reset the clock. Transfer another 1,000 in or make a small purchase with them.
We could do that, but we are both over 5/24 so neither of us could get approved.
Frequently, we are working on hitting minimum spends for signup bonuses on other cards, so our spend on the CSP fluctuates dramatically. That's why for our daily spenders I don't really like large annual fees. Some months we may put a few thousand on it, and other months maybe only a few hundred. It's tough to project how much annual spend will be put on our daily spenders because it completely depends on what signup bonuses are available on other cards.
Maybe eventually we will run out of signup bonuses and focus more on maximizing the Travel/Dining/Gas/Grocery categories in exchange for higher annual fees, but right now I don't feel that is our best strategy. Signup bonuses are still the fastest way to accrue points.
This method is definitely closed now.
Yeah, that's been a well-publicized loophole. It just wouldn't make sense in my case to move that kind of money over to Chase in exchange for the fees and lower returns it might entail. It's also possible to get 100,000 UR's by getting a mortgage through Chase, but again the cost of those points is more than made up for in higher origination fees / rates.
What you said makes perfect sense, but it's also possible to use CPC to get a lower rate. Last year we got 3.375 for a 30 year fixed in exchange for bringing money to the bank. We didn't get 100k URs but who cares if the rate is significantly lower.
Yep, had converted points to Avios a while ago because I heard how good they are but have not been able to schedule any flights with them. I should check because I think they expired already.
Liar Loan
Well-known member
Kings said:
A new one that has come up is Singapore Krisflyer > Alaska Airlines > Hawaii for 12k one way... a slightly better deal.
Cares said:
You beat me to it. I was going to say the same exact thing.
DoctorOfCredit.com is my go to site and he does not get referral fees from the credit card companies. I have things pretty dialed in these days, so I simply wait for his weekly e-mail on Mondays to see if any new deals are out that I'm interested in.
woodburyowner said:
They also charge $75 for an authorized user and since I play this game in 2-player mode (wife), the actual difference is then $130. Also, regarding the travel credit, there are some years where I might not max out the $300, which makes it an even worse deal for me.
irvinehomeowner said:Yep, had converted points to Avios a while ago because I heard how good they are but have not been able to schedule any flights with them. I should check because I think they expired already.
Avios expire after 36 months of inactivity, making it one of the more generous programs. If your points are still there, any activity will reset the clock. Transfer another 1,000 in or make a small purchase with them.
You're playing 2 player mode wrong. You need to stagger CSR cards between wife and you. I originally got it, downgraded, and then wife got it. I was one of the lucky few that got CSR with 24 month language a 2nd time before the 48 month language came in. Got 3x bonus on CSR with self-referral. Sold extra Global Entry credit. Maximized coverage on Priority Pass Lounge.
Liar Loan
Well-known member
Cares said:
We could do that, but we are both over 5/24 so neither of us could get approved.
Frequently, we are working on hitting minimum spends for signup bonuses on other cards, so our spend on the CSP fluctuates dramatically. That's why for our daily spenders I don't really like large annual fees. Some months we may put a few thousand on it, and other months maybe only a few hundred. It's tough to project how much annual spend will be put on our daily spenders because it completely depends on what signup bonuses are available on other cards.
Maybe eventually we will run out of signup bonuses and focus more on maximizing the Travel/Dining/Gas/Grocery categories in exchange for higher annual fees, but right now I don't feel that is our best strategy. Signup bonuses are still the fastest way to accrue points.
woodburyowner
Well-known member
Cares said:
This method is definitely closed now.
Chase Sapphire Reserve - 3% Restaurants/Travel
Chase Freedom x3 - Rotating 5%
Chase Freedom Unlimited - 1.5% general spend
Citibank Costco - Gas (if not on Freedom) This made me realize I no longer will use this CC because I don't have a gas car anymore!
Chase Ink Cash - Home office stuff
Chase Ink Preferred - Venmo, Plastiq (RIP)
Chase Amazon - 5% Amazon.com/Whole Foods
Other cards that I have but unused:
Chase Hyatt x2 - Used for 4 nights at Cat 7 hotels, annual free night award, keep
Southwest Premier Business - Used to get CP, will cancel/downgrade
Southwest Plus Business - Used to get CP, will cancel/downgrade
Chase Marriott Business x2 - Annual free night, keep
Barclays Jetblue - Used for 60k sign up bonus, will cancel/downgrade
Chase United Mileage Plus - Just keeping open for AAoA
AMEX Platinum - Used for 100k sign up, will cancel/downgrade
AMEX Hilton Aspire - Used for 150k sign up, will cancel/downgrade
AMEX SPG Luxury - Used for 100k sign up, will cancel/downgrade
That's all I can think of now but there's so much more.
Chase Freedom x3 - Rotating 5%
Chase Freedom Unlimited - 1.5% general spend
Chase Ink Cash - Home office stuff
Chase Ink Preferred - Venmo, Plastiq (RIP)
Chase Amazon - 5% Amazon.com/Whole Foods
Other cards that I have but unused:
Chase Hyatt x2 - Used for 4 nights at Cat 7 hotels, annual free night award, keep
Southwest Premier Business - Used to get CP, will cancel/downgrade
Southwest Plus Business - Used to get CP, will cancel/downgrade
Chase Marriott Business x2 - Annual free night, keep
Barclays Jetblue - Used for 60k sign up bonus, will cancel/downgrade
Chase United Mileage Plus - Just keeping open for AAoA
AMEX Platinum - Used for 100k sign up, will cancel/downgrade
AMEX Hilton Aspire - Used for 150k sign up, will cancel/downgrade
AMEX SPG Luxury - Used for 100k sign up, will cancel/downgrade
That's all I can think of now but there's so much more.
Liar Loan
Well-known member
Cares said:
Yeah, that's been a well-publicized loophole. It just wouldn't make sense in my case to move that kind of money over to Chase in exchange for the fees and lower returns it might entail. It's also possible to get 100,000 UR's by getting a mortgage through Chase, but again the cost of those points is more than made up for in higher origination fees / rates.
ps99472
New member
For those that have the Target REDcard... do you guys have to reset your security questions every time you try to log in? I resetted my questions like 5 times already. Not sure if its Target's fault or my browser.. tried clearing all history and cookies.. but still have trouble with the site. I'm on Chrome
Hugo Township
Active member
Liar Loan said:
What you said makes perfect sense, but it's also possible to use CPC to get a lower rate. Last year we got 3.375 for a 30 year fixed in exchange for bringing money to the bank. We didn't get 100k URs but who cares if the rate is significantly lower.
Hugo Township
Active member
My keeper cards are:
Business:
AMEX BBP, 2% MR is equivalent to about 3% Cashback Equivalent (CBE). Max out $50k easily
AMEX Biz Plat: 1.5% MR when paying vendors at over 5k, so about 2.25% CBE. Important to liquidate MR at a guaranteed rate
AMEX Biz Gold Rewards: 3% MR on ads, since we spend north of 40k/yr here it works out nicely
Chase Ink Unlimited: 1.5% UR, so about 2.25% CBE.
Personal:
Bank of America Travel Rewards/Premium Rewards. 2.625% real cashback
Business:
AMEX BBP, 2% MR is equivalent to about 3% Cashback Equivalent (CBE). Max out $50k easily
AMEX Biz Plat: 1.5% MR when paying vendors at over 5k, so about 2.25% CBE. Important to liquidate MR at a guaranteed rate
AMEX Biz Gold Rewards: 3% MR on ads, since we spend north of 40k/yr here it works out nicely
Chase Ink Unlimited: 1.5% UR, so about 2.25% CBE.
Personal:
Bank of America Travel Rewards/Premium Rewards. 2.625% real cashback