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You can book American Airlines through BA so you could look into that card and the BA card and book an AA flight. Million mile secrets has a series of articles on booking with BA points, I found the taxes and fees article useful. You can transfer Chase UR points to United, so the United card and Sapphire is an option, same with Delta (through Korean Air) and there's a Delta card that I think has a 50k bonus currently.
asur fucked around with this message at 09:00 on Feb 6, 2015 |
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Feb 6, 2015 08:57
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I will have to look into all of those and figure it out. Thanks for the info.
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Feb 6, 2015 10:07
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khysanth posted:A few months ago we picked up the Barclaycard Arrival+ and hit the sign up bonus. Today I was approved for the Chase Sapphire and will hit that bonus within the first three months. If its the Sapphire preferred you will probably want to transfer the points to a travel partner (SW, BA or United) for a flight. And then you might have to use the Barclaycard points to pay yourself back for the hotel or rental car. If you can't use one of Chase's travel partners, you could transfer the points to Hyatt, IHG or Marriot and then use the Barclaycard to help with flights.
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Feb 6, 2015 18:33
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I'm interested in either the Citi Double Cash card or the Chase Freedom card. How widely are they accepted? I don't see either of their logos on the Amazon website when I try to add a card, are they accepted there?
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Feb 7, 2015 03:57
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I...they're Visa, so they're accepted everywhere Visa is accepted.
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Feb 7, 2015 04:00
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Thanks, I was hoping that was the case but didn't see the Visa logo on the card anywhere!
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Feb 7, 2015 04:02
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Hmm, weird, but yeah they should be visa. Could be mastercard, but even that will be accepted basically everywhere.
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Feb 7, 2015 04:04
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Xandu posted:I...they're Visa, so they're accepted everywhere Visa is accepted. Well, the Double Cash is a MasterCard  But yeah... anywhere. But Costco.
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Feb 7, 2015 04:09
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Smoking_Dragon posted:Thanks, I was hoping that was the case but didn't see the Visa logo on the card anywhere! https://www.chase.com/credit-cards/amazon I think it may vary with the Freedom - I have seen pics of a MC online. Mine has a Visa logo just like my CU debit cards, and other Visa's.
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Feb 7, 2015 04:51
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For the purposes of meeting the spending limits to get rewards, do you have to make actual purchases, or can it be balance transfers as well? Same question for getting points, ie does a balance transfer of $1,000 equate to a purchase of $1,000 to earn points? e: read the fine print at least on the chase sapphire preferred and no, balance transfer =/= purchase Cacafuego fucked around with this message at 15:36 on Feb 7, 2015 |
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Feb 7, 2015 15:28
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Cacafuego posted:For the purposes of meeting the spending limits to get rewards, do you have to make actual purchases, or can it be balance transfers as well? Same question for getting points, ie does a balance transfer of $1,000 equate to a purchase of $1,000 to earn points?
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Feb 7, 2015 17:52
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SiGmA_X posted:The Amazon card definitely has the VISA logo on the lower-right.
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Feb 7, 2015 21:45
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I have an amazon visa with $2k limit. I want another card or two to maximize benefits & increase credit limit for emergencies. I'm single and don't spend a ton of money on gas/groceries. Thinking of applying for both the Sallie Mae and Citi double cash so that I can start making 5% on gas/groceries, 3% amazon, 2% everything else. I don't spend enough to justify an annual fee in most cases, I think. Is there anything else I should be considering in terms of sign-up bonuses, or airfare, etc? Racking up miles would be nice, but I don't think I fully understand why someone would use a 1.5% cash back card that can only be used on airfare rather than 2% cash back that can be used on everything. Blinky2099 fucked around with this message at 22:48 on Feb 7, 2015 |
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Feb 7, 2015 22:39
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Well, because a point on the travel card can have a value of more than $0.01. And you can redeem them for more than the face value if you don't take it as cash. For example, the Barclay gives you ten percent back (of the two percent)if you redeem it on travel. Or the hotel cards have stuff like redeeming 5k points for a 15k point room, etc. Also if you don't have a Discover or Freedom, those have the rotating five percent cashback categories. Discover also has their cashback portal where you can earn stuff like an extra 5 percent on top of the category. Like this December the 5 percent on the Discover for all online shopping stacked with the ten percent department store cashback through their shopping portal.
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Feb 8, 2015 00:37
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Blinky2099 posted:Is there anything else I should be considering in terms of sign-up bonuses, or airfare, etc? Racking up miles would be nice, but I don't think I fully understand why someone would use a 1.5% cash back card that can only be used on airfare rather than 2% cash back that can be used on everything. Frequent flyer program points or flexible rewards points can be 'worth' more than 1 cent per point, so if you're getting 1.5 points per dollar but each point is worth 2 cents, you're really getting 3 cents per dollar vs. 2. The calculation for how to value each point is personal and depends on your travel style and other stuff, so a flat cashback card certainly wins for simplicity. But, if you like staying at fancy hotels or flying outside of coach, flexible points/FF points can end up being a way better value.
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Feb 8, 2015 00:46
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Ahh okay, got it. It looks like the Sallie Mae 5% and Citi Double Cash 2% can both actually be used directly for cash statements, so I'll just go with those for simplicity. Thanks.
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Feb 8, 2015 01:38
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Blinky2099 posted:Ahh okay, got it. It looks like the Sallie Mae 5% and Citi Double Cash 2% can both actually be used directly for cash statements, so I'll just go with those for simplicity. Thanks. Is the Sallie Mae card true cash back or is it only applicable to you student loan? Can you even get one if you don't have a student loan with them?
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Feb 8, 2015 16:37
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Bloody Queef posted:Is the Sallie Mae card true cash back or is it only applicable to you student loan? Yeah, it's real cash back (well, statement credits). You don't need any relationship with Sallie Mae to get the card, you just can't live in Iowa.
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Feb 8, 2015 17:22
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Can I just say how annoying it is that Chase won't let me just pay a fixed amount X every month. I can only choose minimum payment or full balance.
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Feb 11, 2015 20:09
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FISHMANPET posted:Can I just say how annoying it is that Chase won't let me just pay a fixed amount X every month. I can only choose minimum payment or full balance. You're in the wrong thread if you aren't paying the full statement balance every month.
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Feb 11, 2015 20:25
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Guinness posted:You're in the wrong thread if you aren't paying the full statement balance every month. Some people auto pay a certain amount every month just so that they have a "tickler" to pay their bill in full before the bill actually becomes past due.
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Feb 11, 2015 20:30
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Insane Totoro posted:Some people auto pay a certain amount every month just so that they have a "tickler" to pay their bill in full before the bill actually becomes past due. What does this even mean?
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Feb 11, 2015 22:02
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asur posted:What does this even mean? People are dumb. I'm just giving the above poster the benefit of the doubt as to why he wants to pay a set amount each month instead of just paying in full. A dumb reason. But a reason nonetheless.
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Feb 11, 2015 22:05
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asur posted:What does this even mean? I imagine it is something about keeping your statement balance under 30% when it is reported but still paying everything off
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Feb 11, 2015 22:13
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Nope I'm literally a dumb baby idiot that doesn't pay off the full balance. I just wish I could pay X every month (an amount higher than my minimum) rather than choosing "full balance" or "minimum" or "blueprint" (blueprint is awful).
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Feb 11, 2015 22:16
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Then you really should consolidate that debt into a zero or very low interest credit line and work on paying it off. Rewards cards are not the way to go if you plan to carry any debt on them whatsoever.
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Feb 11, 2015 22:35
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It is a low interest card, I just... I want to pay a fixed amount! E: I'm mostly here to just bitch, unless someone has an actual way I can schedule a fixed payment with Chase
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Feb 12, 2015 00:12
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FISHMANPET posted:It is a low interest card, I just... I want to pay a fixed amount! I suspect the only way is to get a different low interest card. AMEX take online payments (so you could set up a specific automatic payment) but I don't know how the low interest cards compare.
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Feb 12, 2015 00:15
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FISHMANPET posted:It is a low interest card, I just... I want to pay a fixed amount! Does your bank have bill payment? If it's free you can schedule through that
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Feb 12, 2015 00:21
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I currently have two cards, one mastercard through my credit union and an amazon credit card. I'm looking to get one more card so my "spend under 10%" limit between cards isn't so low. Is there a card that offers a high starting limit in place of rewards? Failing that, what's your favorite card for online purchases in general?
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Feb 13, 2015 17:54
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FISHMANPET posted:Can I just say how annoying it is that Chase won't let me just pay a fixed amount X every month. I can only choose minimum payment or full balance. Just send them a check for whatever amount you want to pay then. Or use your bank's bill pay service to send them an amount you specify. You aren't obligated to use their online interface.
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Feb 13, 2015 18:05
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jon joe posted:I currently have two cards, one mastercard through my credit union and an amazon credit card. I'm looking to get one more card so my "spend under 10%" limit between cards isn't so low. Is there a card that offers a high starting limit in place of rewards? Failing that, what's your favorite card for online purchases in general? According to this article American Express will allow you to triple your credit limit after using the card for 60 days, assuming you haven't made any late payments. You already have the Amazon credit card for Amazon purchases, so I would say to get a flat rate cashback card unless most of your online purchases are going to fit into a particular category. The Fidelity American Express is 2% cashback but the cashback has to be deposited into a Fidelity Account.
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Feb 13, 2015 18:07
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Anyone (like me) carrying the Costco AmEx card? If so, it's about to be useless in a year or so: http://www.wsj.com/articles/american-express-to-lose-costco-exclusivity-1423746408 quote:AmEx approached Costco several months ago to renew the relationship, prompting the wholesale club to open up the process to other potential partners, according to a person familiar with the discussions. Costco had sought more favorable terms from AmEx, the person said. Though they will continue to take Visa/MC debit cards, but I don't like carrying debit cards personally, so this kinda blows.
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Feb 14, 2015 11:28
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Dancing Peasant posted:Anyone (like me) carrying the Costco AmEx card? If so, it's about to be useless in a year or so:
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Feb 14, 2015 17:23
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Dancing Peasant posted:Anyone (like me) carrying the Costco AmEx card? If so, it's about to be useless in a year or so: I think this is still a bit up in the air, from what I've seen about it. It seems likely that Costco would establish a new exclusivity deal with one of the other networks or issuers (I heard they went with CapitalOne MC in Canada). Also, I'll probably be converting my Costco amex to one of their other offerings (BCE to start, most likely) and I've read online people having success in doing that.
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Feb 14, 2015 20:17
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If you haven't gotten the sign up bonus you should apply instead of converting.
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Feb 14, 2015 21:30
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asur posted:If you haven't gotten the sign up bonus you should apply instead of converting. Yeah that's probably a good idea - I just don't want to lose the credit history since my Costco card is pretty old.
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Feb 15, 2015 00:07
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Dengraz posted:I think this is still a bit up in the air, from what I've seen about it. It seems likely that Costco would establish a new exclusivity deal with one of the other networks or issuers (I heard they went with CapitalOne MC in Canada).
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Feb 15, 2015 02:36
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Dengraz posted:Yeah that's probably a good idea - I just don't want to lose the credit history since my Costco card is pretty old. Amex is unique in that they back date all cards to your oldest card.
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Feb 15, 2015 07:42
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Is this the place (if any on SA) to talk about manufactured spend?
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Feb 15, 2015 14:41
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