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triple sulk posted:I've considered the Prestige but considering that AA is my hub back home, I can get more value out of the Executive card, at least until AA potentially devalues everything to hell. Contrary to this post I keep thinking I want to give the Prestige a shot. At least for the first year I can get two $250 airline credits, so the AF is basically irrelevant, and even at 1.6 cents for AA redemption I'd at least be getting EQMs out of it because it isn't an award flight. Technically MR points can do the same sort of thing on Amex Travel, and I could book AA if I wanted, but I'm not really sure if they'd be worth as much that way (probably not). The AA Exec is great and I've already gotten some good value out of it for the priority screening/ boarding and Admiral's Club, so I may want to keep that at any rate.
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Oct 9, 2015 17:53
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I think the TYP cards are great if you're more interested in domestic econ tickets. If your desire is premium cabin and/or overseas, AA points are probably the way to go.
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Oct 9, 2015 18:01
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I recently finished my CSP 40k spend and I'm looking for something new. In 2015 I ended up flying Delta 6x for work (all Delta) and another 4 times or so for personal trips. I live in Madison, which is a hub for no one, but AA, Delta, and United all fly through here (No Southwest). 2016 should see me flying as much or more, mainly domestic. I did the Ameriprise Amex platinum last year, but I understand that the personal/business cards are still open for me. Any other offers I should watch out for?
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Oct 9, 2015 18:44
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Just got the notice about Barclaycard's Arrival+ being neutered. Which looks better to most people, Discover It Miles or BankAmericard Travel Rewards? I don't have a Bank of America account and I am leaning towards the Discover since I already have another card from them. Is there another good option? It's really disappointing.
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Oct 15, 2015 00:08
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Got the CSP in the mail today which was surprisingly fast and nice since I'm leaving tomorrow. Turns out it's not a real chip and pin card though. I understand this won't be an issue with paying for things from a human where they can take my signature, but I won't be able to use the kiosks in metro stations to purchase metro passes since they have no way of verifying signatures. Meh.
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Oct 15, 2015 00:41
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Boris Galerkin posted:Got the CSP in the mail today which was surprisingly fast and nice since I'm leaving tomorrow. Turns out it's not a real chip and pin card though. I understand this won't be an issue with paying for things from a human where they can take my signature, but I won't be able to use the kiosks in metro stations to purchase metro passes since they have no way of verifying signatures. Meh. If you have a Chase checking account, they can issue you a chipped debit card in-branch.
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Oct 15, 2015 01:13
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Boris Galerkin posted:Got the CSP in the mail today which was surprisingly fast and nice since I'm leaving tomorrow. Turns out it's not a real chip and pin card though. I understand this won't be an issue with paying for things from a human where they can take my signature, but I won't be able to use the kiosks in metro stations to purchase metro passes since they have no way of verifying signatures. Meh. This is not a problem in 99.9% of situations and I dont know why so many people sperg about it on the internet I've bought train tickets and metro cards from machines in 12 different European countries with a chip + signature card and it works just fine It wont ask for a PIN, or expect a signature. It will just work.
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Oct 15, 2015 04:15
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There was a really nice thread in Ask/Tell about someone that actually works with the nitty gritty of payments networks if you really care to go in depth about this stuff http://forums.somethingawful.com/showthread.php?threadid=3675514&userid=0&perpage=40&pagenumber=1 There are some very small one off exceptions like if you're an American who is about to become an expat there are some older gas station terminals and unmanned toll booths that are based on older technologies that can't do the online authentication needed to verify a chip + signature transaction, but those are being phased out. In some countries (northern Europe) a lot of stores train their staff to actually check your ID for a signature transaction so be prepared for that, but that's about it. tl;dr, people that go out of their way to get chip+pin cards in the us for travel are insane and probably on the spectrum because it's absolutely not necessary, chip + signature works everywhere. It's not going to affect you. And yes I do realize I'm probably on the spectrum too talking about this with my avatar 
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Oct 15, 2015 04:26
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Tried to use Apple Pay tied to Discover at a Duane Reade and it failed repeatedly according to the terminal, yet all 4 transactions actually went through (and now need to be disputed). Apple and the banks still need to get their poo poo together.
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Oct 15, 2015 07:45
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Blinkman987 posted:If you have a Chase checking account, they can issue you a chipped debit card in-branch. It won't help in the situations he was talking about because it's Online PIN only and to be 100% safe you need a card with Offline PIN support. That said, the odds are super small that it will mater. Almost every terminal properly takes American style cards at this point. It can suck to find one that doesn't but unless you're driving it seems like most people that have travelled recently never see one.
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Oct 15, 2015 13:31
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Seriously, as if Europeans aren't eager to have Americans buy things. I'd be more concerned about places that are cash only when overseas because that's its own huge problem.
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Oct 15, 2015 13:33
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mishaq posted:I've bought train tickets and metro cards from machines in 12 different European countries with a chip + signature card and it works just fine As a counterpoint, I was unable to use a chip + sig card in the subway in Belgium and I had to go back to the concierge for change to use the machine.
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Oct 15, 2015 16:24
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Tyro posted:As a counterpoint, I was unable to use a chip + sig card in the subway in Belgium and I had to go back to the concierge for change to use the machine.
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Oct 15, 2015 19:19
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Small White Dragon posted:We had similar problems at the Subway and the Arlanda Express in Sweden. I don't know how the Paris subway works now, but I never had a CC work in their terminals from 05' to 11'.
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Oct 15, 2015 19:22
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If I use a credit card long-term exclusively for purchases in the bonus categories (groceries on the Amex Blue Cash, quarterly categories on the Chase Freedom, etc.), might the credit card company revoke the card? I can't imagine this behavior is lucrative for the card issuer.
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Oct 15, 2015 22:24
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Strangelet Wave posted:If I use a credit card long-term exclusively for purchases in the bonus categories (groceries on the Amex Blue Cash, quarterly categories on the Chase Freedom, etc.), might the credit card company revoke the card? I can't imagine this behavior is lucrative for the card issuer. They don't care. They just want you to swipe that card so they can charge the merchants 1.9%. At some point they could terminate the card for inactivity but that's years. I have a card that hasn't been used in 10 years or so (Amex Blue for Students).
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Oct 15, 2015 22:46
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Strangelet Wave posted:If I use a credit card long-term exclusively for purchases in the bonus categories (groceries on the Amex Blue Cash, quarterly categories on the Chase Freedom, etc.), might the credit card company revoke the card? I can't imagine this behavior is lucrative for the card issuer.
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Oct 15, 2015 23:12
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Small White Dragon posted:We had similar problems at the Subway and the Arlanda Express in Sweden. I've used my card heavily in Sweden, including the metro in Stockholm, and never had a single issue I can only attest to as far back as 2013 though.
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Oct 16, 2015 03:22
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Insane Totoro posted:Seriously, as if Europeans aren't eager to have Americans buy things. Germany and Austria hate credit cards.
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Oct 16, 2015 03:23
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mishaq posted:Germany and Austria hate credit cards. China isn't too fond of them, outside of some hotels.
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Oct 16, 2015 04:04
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Duckman2008 posted:So am I seeing it right that the Discover card doubles your cash back for the first 12 months? Also, wouldnt that be 10% bonus on the 1% (so 1.1% back), not +10% of the purchase (11%)? Moneyball posted:Safe to make multiple balance transfers? ilkhan fucked around with this message at 04:36 on Oct 16, 2015 |
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Oct 16, 2015 04:23
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ilkhan posted:Well this is interesting. Any chance this is android pay as well as Apple pay? No and no. https://www.nerdwallet.com/blog/credit-cards/discover-apple-pay-offers-10-percent-bonus-limited-time/
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Oct 16, 2015 06:04
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I'm looking for a new grocery store card. I don't really want to pay an annual fee since I do most of my grocery shopping at Costco and a local chain that does not accept credit cards, so my total credit card grocery store spending is only about $1500 a year. I was going to apply for the Sallie Mae MasterCard, but it looks like they changed their categories. Is there a good successor to that card, or should I just move my spending to my double cash card? If the best I can hope for is 2-3%, with my low spending, I'll just stick to the 2%, but if there is still a 5% no annual fee (even if it is capped) card, that's worth the trouble for me.
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Oct 16, 2015 15:41
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Grumpwagon posted:I'm looking for a new grocery store card. Costco only accepts American Express for now, but they are switching to Visa in April. For now you could get the Blue Cash Everyday card or the Costco branded Amex for 3% off groceries. Not sure what the best Visa grocery card will be next year, they've announced there will be a Costco branded Visa from Citi but they haven't said what the rewards program will be.
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Oct 16, 2015 16:09
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I have the Costco amex now, I'm looking for something to cover the non Costco stuff.
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Oct 16, 2015 16:17
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mishaq posted:This is not a problem in 99.9% of situations and I dont know why so many people sperg about it on the internet So the train and metro machines in Paris CDG, Paris North, and Brussels Central stations all declined my CSP today. I was able to use it just fine at a restaurant so I dunno man. It's not some tiny one off problem like you're making it.
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Oct 16, 2015 16:54
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Boris Galerkin posted:So the train and metro machines in Paris CDG, Paris North, and Brussels Central stations all declined my CSP today. I was able to use it just fine at a restaurant so I dunno man. It's not some tiny one off problem like you're making it. I was in Paris in June and used my card for the metro, RER and TGV from machines with no problem Maybe fraud alerts or the profile Chase has for you is declining transactions, it's not a technology issue I travel very frequently so I think they know to let my card go through in most situations
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Oct 16, 2015 17:06
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I know this won't be as exciting as the benefits you can get from US credit cards but it's been a year since I changed over my credit cards and started using thepointsguy advice for rewards. I've picked up $900 in rewards where in the past I would have gotten about $150 per year in benefits. Although part of that is an insurance claim for a delayed flight (can't complain about free travel insurance that I never had before). There are less tangible benefits where I got a call from the family where they wanted me to turn up to celebrate my birthday this year and I had the airpoints available for the return flight. Nice to do that and not pay anything for it.
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Oct 16, 2015 19:54
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Bisty Q. posted:It won't help in the situations he was talking about because it's Online PIN only and to be 100% safe you need a card with Offline PIN support. I can't find any information about the PIN being online only, but the Chase website is also predictably dodgy about answering questions about using PIN and basically they say over and over again that the merchant should bypass this part of the purchase.
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Oct 16, 2015 19:57
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11 months into my Barclaycard Arrival+ World Elite Mastercard. Just called customer service and had them downgrade it (painlessly) to the no-annual fee World Mastercard. Thanks for the 40,000 points Barclays!
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Oct 21, 2015 20:10
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khysanth posted:11 months into my Barclaycard Arrival+ World Elite Mastercard. Just called customer service and had them downgrade it (painlessly) to the no-annual fee World Mastercard. Thanks for the 40,000 points Barclays! Good to know. This was going to be the annual fee card that I kept and put most of my spend on, but I'm pretty disappointed in the recent nerfing and will now be downgrading to the Arrival. Thanks for confirming that this shouldn't be a hassle.
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Oct 21, 2015 21:57
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Not credit cards, but somewhat related: I'd be stupid not to jump on a free $400 for two $250 direct deposits, right?  
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Oct 22, 2015 17:13
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Star War Sex Parrot posted:Not credit cards, but somewhat related: I'd be stupid not to jump on a free $400 for two $250 direct deposits, right? Yes. But it's not quite as good as it seems since that $400 will be taxable income (unlike credit card rewards) and there may be account maintenence fees.
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Oct 22, 2015 18:06
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The way Bank of America continues to hand out Alaska Airlines cards is unreal. Got my first one in April, second in July, and was just now approved for a third one even though the other two were still open. These are the version with the $100 statement credit too, so I'm making a profit in addition to all the miles.
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Oct 22, 2015 20:58
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becoming posted:Good to know. This was going to be the annual fee card that I kept and put most of my spend on, but I'm pretty disappointed in the recent nerfing and will now be downgrading to the Arrival. Thanks for confirming that this shouldn't be a hassle. Same. Wife and I decided to keep the Chase Sapphire Preferred instead for all our non-grocery/gas purchases (we use the Barclaycard Sallie Mae for those).
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Oct 22, 2015 22:14
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Is Citi Double Cash still the best cash-back card?
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Oct 22, 2015 22:52
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EugeneJ posted:Is Citi Double Cash still the best cash-back card? For general usage and not trying to game quarterly categories yea. Their Price Rewind feature is pretty cool and they just started offering your FICO score for free so that's nice.
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Oct 22, 2015 23:21
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Normally it is but I'd say that the Discover It is much better right now due to the cash back at the end of 12 months, the rotating categories, and the 10% cash back for Apple Pay in-store through the end of the year. I kinda gave in and I'm going to see if I like the Prestige card (worst case I get two $250 calendar credits I'd 100% definitely use and then cancel it a few months down the line). I've yet to really get a feel for how good Citi's customer service is but I suppose I'll find out. I just fear their points program and redemptions won't be anywhere near as nice as Amex's.
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Oct 22, 2015 23:30
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Swingline posted:Yes. But it's not quite as good as it seems since that $400 will be taxable income (unlike credit card rewards) and there may be account maintenence fees.
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Oct 22, 2015 23:35
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triple sulk posted:Normally it is but I'd say that the Discover It is much better right now due to the cash back at the end of 12 months, the rotating categories, and the 10% cash back for Apple Pay in-store through the end of the year. Pretty sure the Double cash back promo ended on the Discover card.
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Oct 22, 2015 23:50
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