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Barclays isn’t Citibank levels of clownshoes, but they are kinda bumbling so yeah sometimes things take a while (mailings) or don’t quite work how they should (app).
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Sep 27, 2018 08:44
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Vox Nihili posted:That's strange. Looking at bookings from California, each mile almost always gets you more than a cent. You were right, I wasn't checking the return flight, which had a stop. I found some nonstop dates for 40k miles. It seems though that you can't use the 50% discount for a second ticket when booking the first ticket with miles though which is really unfortunate, and the discount expires after a year.
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Sep 27, 2018 15:00
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dy. posted:Love the benefits of the CSR but kind of tired of the hefty monthly fee now that my points are all gone. Do you not hit the $300 travel threshold every year? If you do $150 is still a pretty bad annual fee but I try to make sure I get at least $150 yearly in extra value out of it via points, which I seem to do so far.
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Sep 27, 2018 15:14
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For hotel point redemption, is it common for cash + points to be a better deal than just points? I just booked a $230/8,000 point Hyatt room for $55 + 4,000 points. The difference in value was pretty surprising.
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Sep 28, 2018 07:36
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Something Offal posted:Do you not hit the $300 travel threshold every year? If you do $150 is still a pretty bad annual fee but I try to make sure I get at least $150 yearly in extra value out of it via points, which I seem to do so far.
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Sep 29, 2018 00:17
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Ink Business Preferred?
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Sep 29, 2018 01:33
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Discover is ending the Discover Deals program on October 31st. They were rarely useful, but they were gold when they were. RIP 20% cashback on gift cards at Walmart and Sam's Club.
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Oct 2, 2018 16:05
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Leon Trotsky 2012 posted:Discover is ending the Discover Deals program on October 31st. The shopping portal part of Discover Deals had some nice rates. The $10 gift card with renewing a Sam's Club membership was great, too. There were/are always tons of deals for new memberships, but membership renewal offers always seemed pretty rare other than Discover's.
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Oct 2, 2018 18:58
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TheEye posted:For hotel point redemption, is it common for cash + points to be a better deal than just points? I just booked a $230/8,000 point Hyatt room for $55 + 4,000 points. The difference in value was pretty surprising. just curious do you still get deals when booking last minute or is that lot of blackouts?
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Oct 3, 2018 01:34
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I just got my 1-year cashback match from my first Discover IT card and I'm looking for what card I should pick up next. What would be the best cashback card for 3.1k monthly average spend, and considering my spending categories from the past 12 months? A second Discover IT? Uber Visa? Citi Double Cash Back?
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Oct 3, 2018 20:14
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Prancing Shoes posted:I just got my 1-year cashback match from my first Discover IT card and I'm looking for what card I should pick up next. What would be the best cashback card for 3.1k monthly average spend, and considering my spending categories from the past 12 months? A second Discover IT? Uber Visa? Citi Double Cash Back? Uber Visa for sure, depends what Merchandise/Retail really is.
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Oct 3, 2018 21:07
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Prancing Shoes posted:I just got my 1-year cashback match from my first Discover IT card and I'm looking for what card I should pick up next. What would be the best cashback card for 3.1k monthly average spend, and considering my spending categories from the past 12 months? A second Discover IT? Uber Visa? Citi Double Cash Back? Do you travel for work? Those second and third category totals are interesting.
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Oct 4, 2018 20:08
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Don't kink-shame.
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Oct 4, 2018 21:02
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"Services."
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Oct 4, 2018 21:05
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TOP SPENDING CATEGORIES: 1. GOODS 2. SERVICES
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Oct 4, 2018 21:19
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New revamped Amex Gold card is out today, 50K pts bonus with 3K spend, also a nice statement credit bonus for restaurant spend in first year. The main changes are 4x now at restaurants and dining, and a $10/month dining credit with a few places, though this comes with a slightly higher annual fee of $250 vs previous $195. Holds up pretty well to the CSR considering the 4 & 3x on restaurants/grocery & travel, esp. Chase has been cutting back a lot of benefits of late like price protection. Bonus: * Earn 50,000 Membership Rewards Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership * Receive 20% back as a statement credit at U.S. Restaurants with the Gold Card within the first 3 months of your Card Membership, up to $100 back. * 4x points at U.S. Restaurants * 4x points at U.S. supermarkets (up to $25,000 in spend per calendar year) * 3x points for flights booked directly with airlines * 1x points on all other purchases * $120 dining credit : Earn up to $10 in statement credits monthly when you pay with The Gold Card at participating partners * $100 airline fee credit Shameless referral link plug: https://mgmee.americanexpress.com/r...1179-1786046696
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Oct 4, 2018 21:31
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hostile apostle posted:New revamped Amex Gold card is out today, 50K pts bonus with 3K spend, also a nice statement credit bonus for restaurant spend in first year. The main changes are 4x now at restaurants and dining, and a $10/month dining credit with a few places, though this comes with a slightly higher annual fee of $250 vs previous $195. Holds up pretty well to the CSR considering the 4 & 3x on restaurants/grocery & travel, esp. Chase has been cutting back a lot of benefits of late like price protection. Fuuuuuuuck, I churned through the gold card last year. I'm guessing you can't do the new one in that case?
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Oct 6, 2018 22:04
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Amex switched to a lifetime bonus exemption right? As in, if you've ever had a gold card you can't get this one?
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Oct 6, 2018 23:52
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Harry posted:Amex switched to a lifetime bonus exemption right? As in, if you've ever had a gold card you can't get this one? It's for the same card and only applies to the signup bonus. So if you've had the PRG in the past you can't get the bonus for this revamped version, but you could still get the card if you wanted.
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Oct 6, 2018 23:59
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hostile apostle posted:New revamped Amex Gold card is out today, 50K pts bonus with 3K spend, also a nice statement credit bonus for restaurant spend in first year. The main changes are 4x now at restaurants and dining, and a $10/month dining credit with a few places, though this comes with a slightly higher annual fee of $250 vs previous $195. Holds up pretty well to the CSR considering the 4 & 3x on restaurants/grocery & travel, esp. Chase has been cutting back a lot of benefits of late like price protection. Congrats you are getting 10,000 points courtesy of my gf.
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Oct 7, 2018 01:51
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hostile apostle posted:New revamped Amex Gold card is out today, 50K pts bonus with 3K spend, also a nice statement credit bonus for restaurant spend in first year. The main changes are 4x now at restaurants and dining, and a $10/month dining credit with a few places, though this comes with a slightly higher annual fee of $250 vs previous $195. Holds up pretty well to the CSR considering the 4 & 3x on restaurants/grocery & travel, esp. Chase has been cutting back a lot of benefits of late like price protection. Is it worth it for me to keep paying for this? I requested the rose gold card.
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Oct 7, 2018 02:52
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As with most AmEx cards, compared to the CSR I'm not seeing much value proposition here except for the first year bonuses. Seems there would be no reason to renew the card for a second year. You get 1x points for hotel stays... big fat meh for $250 / yr.
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Oct 7, 2018 03:14
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Something Offal posted:As with most AmEx cards, compared to the CSR I'm not seeing much value proposition here except for the first year bonuses. Seems there would be no reason to renew the card for a second year. You get 1x points for hotel stays... big fat meh for $250 / yr. But really it's $30/year if you consider the credits? The return for restaurant and grocery spending is pretty impressive.
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Oct 7, 2018 03:48
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asur posted:It's for the same card and only applies to the signup bonus. So if you've had the PRG in the past you can't get the bonus for this revamped version, but you could still get the card if you wanted.
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Oct 7, 2018 04:04
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ETB posted:But really it's $30/year if you consider the credits? The return for restaurant and grocery spending is pretty impressive. I guess the $120 dining credit is decent and would bring the AF down. If you have a very large amount of restaurant and grocery spend it may be useful. Airline fee credit doesn't do anything for me personally. I'd never be able to get down to a $30 effective AF. That being said maybe I was being a bit hard on it, it's not too different from the CSR, and the grocery bump is something big that Chase doesn't get you. Something Offal fucked around with this message at 04:19 on Oct 7, 2018 |
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Oct 7, 2018 04:16
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ETB posted:But really it's $30/year if you consider the credits? The return for restaurant and grocery spending is pretty impressive. Not all credits are created equal. With the CSR, if you do any traveling, you can consider the credit taken care of. Amex's credits are specific and kinda lovely. The airline fee credit is only useful if you're regularly checking bags or drinking on planes, but don't fly enough to have status with your chosen airline. The monthly dining credit makes you order from Grubhub or a tiny handful of chain restaurants. If you're going to Cheesecake Factory every single month, you don't need a new credit card that saves you ten bucks per trip; you need to re-evaluate your life. The grocery rewards are nearly matched by Amex's own no-fee Blue Cash card, and the Blue Cash option with a $100 AF beats it easily. About the only place where I can see this new Amex making sense long-term is "I'm a salesperson who regularly takes clients to expensive dinners, and can run the check through my personal credit card, but I don't do overnight travel very often." For everybody else, there's a better option.
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Oct 7, 2018 13:59
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I want to buy an iPhone XS sim free which is apparently not eligible for the iPhone upgrade program for some reason so I need to buy it all up front. Does anyone know the best route for this in terms of signing up for a new CC with 12-18 months 0% APR as well as maximum rewards? It seems like the various cards that offer the 0% intro APR don’t give cash back and vice versa, which makes total sense. But hopefully I’ve overlooked a key card somewhere.
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Oct 7, 2018 17:41
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Small White Dragon posted:The system only seems to check several years back, so if it's been a while... When they switched to lifetime it only checked back seven years, but I'm not certain if it's a moving window and haven't seen anything to indicate it is. Story I heard was they switched systems at that time point and presumably lost the data if you didn't have the card anymore but who knows.
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Oct 7, 2018 18:19
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Gave it a try and was told I had already had the card and was ineligible. Oh well. My bank of america MLB cards are finally over 2 years old so I might finally shoot for some of the Chase cards I've been missing out on.
Harry fucked around with this message at 23:40 on Oct 7, 2018 |
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Oct 7, 2018 23:29
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dutchbstrd posted:I want to buy an iPhone XS sim free which is apparently not eligible for the iPhone upgrade program for some reason so I need to buy it all up front. Looks like the Quicksilver has a 0% APR for 15 months sign-up deal. https://applynow.capitalone.com/?ir...d=3947&IARC=AFF
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Oct 8, 2018 02:00
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asur posted:When they switched to lifetime it only checked back seven years, but I'm not certain if it's a moving window and haven't seen anything to indicate it is. Story I heard was they switched systems at that time point and presumably lost the data if you didn't have the card anymore but who knows.
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Oct 8, 2018 03:33
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Alan Smithee posted:just curious do you still get deals when booking last minute or is that lot of blackouts? This was a last-minute booking, so apparently yes, but it might depend on how many rooms are still available. Neither the location nor the dates for my stay were very popular.
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Oct 9, 2018 19:30
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Anybody have a referral link for a Chase Freedom Unlimited? I'm below 5/24 now so was going to get one to pair with the Sapphire. Looks like they give $100/referral so no reason not to help out a goon.
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Oct 12, 2018 17:17
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Thoguh posted:Anybody have a referral link for a Chase Freedom Unlimited? I'm below 5/24 now so was going to get one to pair with the Sapphire. Looks like they give $100/referral so no reason not to help out a goon. Enjoy (and thanks)!
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Oct 12, 2018 17:28
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astral posted:Enjoy (and thanks)! Applied and approved. The application timed out on "verifying your information" (after like 15 minutes) the first time and I got worried but after reloading it went through right away so I guess something just got hung up somewhere the first time.
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Oct 12, 2018 22:07
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The Amex airline fee credit is basically a rebate in my mind, its very easy to get your money back if you know the tricks. There are many data points on Flyertalk, e.g. https://www.flyertalk.com/forum/american-express-membership-rewards/1739932-airline-fee-250-200-100-reimbursement-reports-dl-only-9.html https://www.flyertalk.com/forum/american-express-membership-rewards/1812734-airline-fee-250-200-100-reimbursement-reports-aa-only.html https://www.flyertalk.com/forum/american-express-membership-rewards/1300459-airline-fee-250-200-100-reimbursement-reports-only-22.html With AA you can buy gift cards. I personally do Alaska. With Alaska, if you book a fare under $100 and cancel during the 24HR refund window, it will still trigger the credit. I try to wait until the next day but before the 24hr period expires to ensure the charge posts. I've done it 2 years in a row now since the United MPX trick no longer works. ---- Personally, I am weighing keeping the Amex Gold and dropping the CSR. Restaurant & grocery 4X put it over the CSR for me. I can definitely use the $10 grubhub credit once a month for takeout. For flights, I already use 5X on the Platinum card + Uber credit is very easy for me to use, Saks credit can be used for gift cards in store, and I use Centurion lounge. For Hotels, I use the hotel chain card for a much better return (I usually stay at Marriott for work travel and can use personal cards). Citi double cash or Chase Freedom (depending on quarterly bonus) for everything else. For my personal usage I see limited need for the CSR any more, but everyone is different. hostile apostle fucked around with this message at 22:37 on Oct 12, 2018 |
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Oct 12, 2018 22:19
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hostile apostle posted:Personally, I am weighing keeping the Amex Gold and dropping the CSR. Restaurant & grocery 4X put it over the CSR for me. I can definitely use the $10 grubhub credit once a month for takeout.
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Oct 13, 2018 05:33
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So it's early and my math is probably wrong, but I'm reading this as: CSR 3x Restaurants AmG 4x Restaurants OK that's fine, but when I go to redeem points for travel (which would be the only reason I'd redeem points really), each CSR is worth 1.5x the amount. Wouldn't that effectively make restaurant points worth 4.5x on the CSR if you redeemed for travel?
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Oct 13, 2018 17:38
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Fhqwhgads posted:OK that's fine, but when I go to redeem points for travel (which would be the only reason I'd redeem points really), each CSR is worth 1.5x the amount. Wouldn't that effectively make restaurant points worth 4.5x on the CSR if you redeemed for travel? (Also, if you have the Amex Business Platinum too, the valuation increases. Not sure if I'm willing to pay extra for that, however.)
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Oct 13, 2018 19:49
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| # ? May 14, 2024 02:23 |
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Also, the Schwab flavor of Amex Plat liquidates points at 1.25c/point into a Schwab checking account - so the 4x is effectively 5c/point vs Chase 3x worth 4.5c/point if you're not going down the points transfer route.
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Oct 13, 2018 23:28
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