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I'm going to get a discover it, as the main grocery store I shop at only accepts discover credit cards. Is there any reason I should wait? Sign up bonuses or anything? I will of course use a goon sign up link.
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Jan 4, 2020 18:45
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Here's my link: https://refer.discover.com/s/4brcu Or use the goon referral sheet and get a random one: Jerk McJerkface posted:
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Jan 4, 2020 18:48
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Thoguh posted:Has anyone acquired the Barclay's AAviator card? It looks like it might be worth getting for a year even though the $99 fee has to be paid upfront for 60k and a companion pass. But I know companion passes can sometimes be impossible to actually use unless you buy full Y fares, which defeats the savings of the pass. Anybody use that pass and have any thought on it? I'm thinking I might get it and then cancel once the year is up. I'm in the process of using my certificate - called and mailed but the actual trip is in a few months. Blackout dates surprised me when calling but we just moved the trip by a day (and I could've read the piece of paper to know in advance). Flight cost something like $400 normally, so paying the $100 annual fee + $100 companion fee + $15 or something in companion certificate taxes, still coming out well ahead considering I just had to make a single purchase. Plus I've got AA miles that are probably not worthless.
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Jan 4, 2020 22:09
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I'm (well, my household is) sitting on a pile of UR points and have a CSR that we hardly ever use anymore so am wondering about how best to make use of points now and then abandon the CSR to avoid the annual fee coming in a few months. Is the naive "use chase portal to buy family plane tickets and hotels for a vacation" approach going to be strongly dominated by some other easy redemption strategizing? waloo fucked around with this message at 02:15 on Jan 5, 2020 |
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Jan 5, 2020 02:12
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waloo posted:I'm (well, my household is) sitting on a pile of UR points and have a CSR that we hardly ever use anymore so am wondering about how best to make use of points now and then abandon the CSR to avoid the annual fee coming in a few months. Let me know if you find it. I’ve been using transferring chase points to Hyatt. Seems like they have decent availability and you don’t have to play with ridiculous airline availability.
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Jan 5, 2020 02:28
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waloo posted:I'm (well, my household is) sitting on a pile of UR points and have a CSR that we hardly ever use anymore so am wondering about how best to make use of points now and then abandon the CSR to avoid the annual fee coming in a few months. It’s just a question of doing the comparison on the UR points with the 1.5x (only possible when booking through the UR portal) vs transferring the points to a travel partner.
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Jan 5, 2020 15:03
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Personally we have been using Airbnb’s almost exclusively lately which has made it a bit harder to use up our Chase rewards points.
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Jan 5, 2020 15:41
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I've been being lazy and just booking flights and getting the 1.5x. I'm in a Delta hub so not ever any real good use of the points being transferred there even if I could. It sucks there isn't a point option for AirBnB but man is it worth it. Last summer I rented a two story townhouse with a private pool on the patio on a Greek island for less than $250 a night.
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Jan 5, 2020 17:16
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TraderStav posted:It sucks there isn't a point option for AirBnB but man is it worth it. The Uber Visa works for 3% at AirBnB but unfortunately starting February it's only good for Uber credit.
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Jan 5, 2020 19:20
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TraderStav posted:It sucks there isn't a point option for AirBnB but man is it worth it. Last summer I rented a two story townhouse with a private pool on the patio on a Greek island for less than $250 a night. We are a family of 6, with 4 small kids, so international hotels are usually not an option. We airbnb everywhere, usually to awesome results. I use my Blue Cash Preferred AMEX to buy Airbnb gift cards for 6% back at our local grocery store, and (if I can remember to do it) I book through the Delta portal for a few extra miles. But yeah, using UR points or miles would be awesome. Isn't Airbnb going public this year, maybe that might change some of their business practices?
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Jan 5, 2020 23:28
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Anything much new in the world of credit cards for 2020? Assume I have all the recommended cards from a year or two ago, plus the Apple Card.
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Jan 6, 2020 14:49
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VorpalBunny posted:We are a family of 6, with 4 small kids, so international hotels are usually not an option. We airbnb everywhere, usually to awesome results. Family of 5 here, we're at that point when we travel to Europe to be comfortable we'll need two hotel rooms. I'll have to look at picking up some AirBnB gift cards, makes a lot of sense! Don't think I have a card right now that'll give me a good bonus like that, perhaps I'll pick one up.
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Jan 6, 2020 15:24
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smackfu posted:Anything much new in the world of credit cards for 2020? Assume I have all the recommended cards from a year or two ago, plus the Apple Card. Well I assume you're familiar with the negative changes with the Barclay's Uber if you have it or were planning to get it. What do you have and what are you interested in doing? Like are you doing a lot of travel spend or more interested in cash back on low/no AF cards?
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Jan 6, 2020 15:59
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I’m leaning toward replacing my Uber card with the Capital One Savor. 4% dining with a $95 AF but waived the first year. If I don’t spend 95/0.01=$9,500 going out that first year (difference between Savor’s 4% and the 3% from a no-fee card like BoA Cash Rewards), I’ll just PC to the Savor One to avoid the AF. edit: Got a friend to give me a referral so we can split the $100 credit, approved for my highest credit line yet. 
Josh Lyman fucked around with this message at 19:33 on Jan 6, 2020 |
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Jan 6, 2020 16:11
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smackfu posted:Anything much new in the world of credit cards for 2020? Assume I have all the recommended cards from a year or two ago, plus the Apple Card. Business cards are a lot easier to get now than they used to be. Other than that, nothing ground breaking.
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Jan 6, 2020 20:05
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TraderStav posted:Family of 5 here, we're at that point when we travel to Europe to be comfortable we'll need two hotel rooms. Discover IT is currently 5% groceries.
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Jan 6, 2020 20:07
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angryrobots posted:What do you have and what are you interested in doing? Like are you doing a lot of travel spend or more interested in cash back on low/no AF cards? I guess mostly asking about new cards with good signup offers, or new cards that have good cash back categories that are different from existing cards. The ones I have are fine for what they are but if I can get 5% instead of 2% that might be worth adding a card to the rotation. Currently have CSR, Freedom Unlimited, Freedom as my main cards, plus Apple Card for contactless and Amazon Card for Amazon.
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Jan 7, 2020 14:08
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Is it worth getting an American Airlines Card for the any signup bonus in particular if I’ve never had one? Any of them better for any reason?
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Jan 7, 2020 14:13
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Residency Evil posted:Is it worth getting an American Airlines Card for the any signup bonus in particular if I’ve never had one? Any of them better for any reason? When Barclay's does their $1 or 1 purchase minimum spend for 60k or 70k miles is a pretty good time to get one. Otherwise any of the (lower level) Citi AA cards are fine if you can get the 70-75k miles. Either deal is especially good if they waive the annual fee for the first year as they aren't particularly sensitive to canceling before the year is up (for now!). Just be careful though, as AA has recently been closing AA accounts and taking back all miles for folks who got too many sign up bonuses within a year or two. 1 per year should be totally fine, but people are still trying to figure out how many is 'too many'.
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Jan 7, 2020 15:48
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CSR annual fee increase confirmed along with some added benefits. I need to sit down and figure out what value what this complicated jumble of added benefits has for me, but overall it seems like a net gain in value for me, at least till the end of 2021. For my use the care still easily pays for itself at $550 even with no added benefits. Just this month I got over $100 out of eating in airport restaurants with Priority Pass.
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Jan 8, 2020 21:23
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So I got a Reserve on Dec 1 2016. I just paid my $450 fee last month. That's for the upcoming year right? So they'll want $550 on Dec 1 2020, but at that point I will have hit 4 years, so I can cancel it, not pay the $550, and sign up for a Preferred (which I cancelled to get the Reserve 4 years ago) to get that bonus again?
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Jan 8, 2020 21:47
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Remind me, if you have the CSP you can't apply for the CSR?
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Jan 8, 2020 22:38
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Insane Totoro posted:Remind me, if you have the CSP you can't apply for the CSR? That's correct. Unlike some other cards where the restriction is simply on the bonus, with the Sapphire family you are barred from acquiring the new card at all under the following terms: quote:The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. So even if you ditched your CSP, you couldn't get the CSR unless your CSP bonus posted >4 years ago.
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Jan 8, 2020 23:20
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Animal posted:CSR annual fee increase confirmed along with some added benefits. Seems like you get $120 in food credits? Wish I still lived in the city and used Lyft constantly.
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Jan 8, 2020 23:25
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Yeah those changes aren’t going to get me to product change to a lower fee card. I’ll use the food and Lyft credits. My renewal is in February anyways so I’ll have another year of $450.
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Jan 8, 2020 23:30
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I can get 3% on travel with my BoA Cash Rewards which is no fee and 4% on dining with the Capital One Savor which is $95 AF. I spend a ton on dining but maybe only $500 on travel/year. With that in mind, is there any reason to go for the CSR? At best it seems like there might be some tiny min/max benefit with the $300 travel credit but otherwise it’s not obvious. And I assume the CSP is definitely pointless.
Josh Lyman fucked around with this message at 23:59 on Jan 8, 2020 |
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Jan 8, 2020 23:52
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Residency Evil posted:Seems like you get $120 in food credits? Over two years. It's a $100 increase for a $60 credit at a specific vendor.
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Jan 9, 2020 00:18
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pig slut lisa posted:That's correct. Unlike some other cards where the restriction is simply on the bonus, with the Sapphire family you are barred from acquiring the new card at all under the following terms: That's dumb since I'd just rather get the Amex Plat...?
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Jan 9, 2020 00:49
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I just talked to someone from Chase about that. They said people were gaming the system so they had to put a stop to that but for whatever reason I'm able to upgrade from the Preferred to the Reserve as long as I've had an account for more than a year and as long as I have at least a 10k limit on my card.
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Jan 9, 2020 01:25
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keevo posted:I just talked to someone from Chase about that. They said people were gaming the system so they had to put a stop to that but for whatever reason I'm able to upgrade from the Preferred to the Reserve as long as I've had an account for more than a year and as long as I have at least a 10k limit on my card. Product changes are still allowed. That's different from opening a new account.
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Jan 9, 2020 01:26
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Ooooooh that makes a lot more sense.
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Jan 9, 2020 01:33
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So if I'm reading the CSR changes correctly, $60 free Door Dash per year plus 15% discount on Lyft? With that I think I can get at least the $100 increase back so this isn't an impact to me. I think my Global Entry is coming up soon so that's some more value I'd get in the next renewal which I'll get hit with in September.
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Jan 9, 2020 15:06
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TraderStav posted:So if I'm reading the CSR changes correctly, $60 free Door Dash per year plus 15% discount on Lyft? With that I think I can get at least the $100 increase back so this isn't an impact to me. I think my Global Entry is coming up soon so that's some more value I'd get in the next renewal which I'll get hit with in September. Also https://help.doordash.com/consumers/s/article/Chase-Partnership?language=en_US
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Jan 9, 2020 22:08
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Is anyone dumping the CSR because of the hiked fee, or on balance it seems like most people would rather keep it? 550 bones is quite a sticker. e: Also I'm curious how these odd financial arrangements work between two companies like Chase and DoorDash. I wonder what the terms of that contract are like. Inner Light fucked around with this message at 06:31 on Jan 10, 2020 |
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Jan 10, 2020 06:18
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Inner Light posted:Is anyone dumping the CSR because of the hiked fee, or on balance it seems like most people would rather keep it? I dropped it last year so I'm not a good representative. I had been thinking about having my wife get one and get the bonus but this changed pushed me further away. I'm skeptical of the gig economy as it is and this seems like another way to prop it up.
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Jan 10, 2020 06:26
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Those upgrades are great and worth the fee. I looked at my spending last year and the lyft discount alone would cover the increase for me. Also, ride credits and meal discounts come out of the platform's pocket - not the gig workers. It's probably the only time that's true since they're trying to buy customers/market share. I'll use the doordash benefit just to get the $60 and then ditch it.
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Jan 10, 2020 08:16
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Inner Light posted:Is anyone dumping the CSR because of the hiked fee, or on balance it seems like most people would rather keep it? I have to compare the CSP and the CSR, it's tempting to downgrade but our CSR renews this month so that should protect us from the increase in annual fee. Right? I haven't ever used Doordash or Lyft, so this might push us to try them out. I'm not outraged like others seem to be, I've gotten a ton of value out of the card and it saved my rear end a few times with car rental damage.
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Jan 10, 2020 08:43
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VorpalBunny posted:I have to compare the CSP and the CSR, it's tempting to downgrade but our CSR renews this month so that should protect us from the increase in annual fee. Right?
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Jan 10, 2020 13:49
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I love the marketer who came up with “$120 of DoorDash credits” as a feature of the new CSR when it’s $60 per year. Personally we don’t use delivery at all so this is worthless to me and increases the effective annual fee from $150 to $250 which is just too steep. We just renewed at the old price so I guess it doesn’t matter for a year though.
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Jan 10, 2020 13:53
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I got till the end of the year if Doordash + Lyft is still worth the increase. I do live in the city and have no car, so it's still beneficial. Though I wish it would be something more concrete since these companies are terrible and living on borrowed time.
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Jan 10, 2020 18:09
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