|
Waroduce posted:I dont think there is a huge difference just cause your Aussie. All my benefits are global just like everyones..there are hiltons and priority pass etc etc everywhere Unfortunately most of the big sign up bonuses on cards and cards with outsized benefits are US only. Many (most?) other countries regulate swipe fees so they don't get the same kind of cards as the ROI isn't there for banks. Europe sucks for churning, for example. I seem to remember hearing that there's a bit fat bonus for the AUS version of the Amex Plat, but it's not something I've looked into.
|
#
?
Jan 16, 2020 20:36
|
|
|
|
| # ? May 14, 2024 05:25 |
|
|
Small White Dragon posted:- CSR earns faster for most people (3x dining/travel) than Amex (5x flights and prepaid hotels). Thanks for this, this is very helpful. I keep on meaning to reevaluate our credit cards, since I have a CSR and my wife has an Amex Plat. Most of our travel spending goes through the CSR, which sounds like the way to go.
|
|
#
?
Jan 16, 2020 20:50
|
|
|
CSR just bumped their annual fee and added some negligible (and seemingly temporary) benefits with DoorDash and Lyft. Personally, I always thought the CSR was always such a good value due to the $300 travel credit which essentially made the net annual fee of only $150; or $55 more than the CSP. Given that the CSR earned 3x points on travel/dining versus the 2x points on the CSP, this was easily made up with moderate spending; even without the consideration of the 1.5x redemption rate through their travel portal. I think they left the card so overvalued to draw in customers, but are now trying to capitalize with the added $100 annual fee and some added benefits which are likely little cost to them and probably won't be around in a couple years. That being said the card is still a good value if you spend enough. Most competing premium cards have you eat the $450 annual fee outright. The CSR is now essentially a $200 annual fee unless you dont use your card for anything but groceries and gas. If that is the case, why do you have it to begin with.
|
|
#
?
Jan 17, 2020 05:31
|
|
|
I just got my CSR a month ago. Chase is definitely losing money on me this year. DoorDash does group ordering, which is a good way to go if you want to maximize your $60 credit. Start a group lunch order at work, have your coworkers pay you back, pocket the cash. We were already doing this at my office, so I'm probably keeping this card next year.
|
|
#
?
Jan 17, 2020 18:37
|
|
|
Cheesemaster200 posted:CSR just bumped their annual fee and added some negligible (and seemingly temporary) benefits with DoorDash and Lyft.
|
|
#
?
Jan 17, 2020 22:19
|
|
|
My problem with those benefits are that Door Dash and Lyft aren't really necessary services. Door Dashing food has a big over head, so in order to recoup the money you have to waste money on food deliveries/fees/tips. Travel is one thing, since you can shop around for a travel deal, but the others just have no value.
|
|
#
?
Jan 17, 2020 22:49
|
|
|
Jerk McJerkface posted:My problem with those benefits are that I know ride share is losing money on every ride because X and they're ruining everything because Y but I just did the math and we live near a major city and we would save somewhere between $200-350 annually, even factoring in the $550 CSR annual fee, with the lyft pink membership. Just because it doesn't make sense for your situation doesn't mean there's a bunch of people out there who depend on it near-daily. I save a couple hundred bucks each month in my city using uber rather than owning a car once you break out the costs.
|
|
#
?
Jan 18, 2020 05:01
|
|
|
Tryke posted:I just got my CSR a month ago. Chase is definitely losing money on me this year. Are you the guy I worked with as a teenager who clipped coupons then dropped by to see if I wanted to buy Mach 3 razors for $2 off?
|
|
#
?
Jan 18, 2020 07:25
|
|
|
Is there a specific card I should be aiming our business for just straight cash back rewards? We have a 25k limit on our Discover It 1.5%, we do anywhere from 75k to 150k a year in purchases on it, usually gas, materials, restaurants, etc. Hotel or Travel rewards aren't really a bonus since we don't fly and rarely sleep at hotels.
|
|
#
?
Jan 18, 2020 10:35
|
|
|
Are you looking for just a straight percentage for all purchases or do you not mind one that focuses on certain categories or rotates quarterly? AF or no AF?
|
|
#
?
Jan 18, 2020 11:34
|
|
|
thatguy posted:Is there a specific card I should be aiming our business for just straight cash back rewards? We have a 25k limit on our Discover It 1.5%, we do anywhere from 75k to 150k a year in purchases on it, usually gas, materials, restaurants, etc. Hotel or Travel rewards aren't really a bonus since we don't fly and rarely sleep at hotels. Citi Double Cash card is 2% cash back on all purchases. No AF. Another alternative is the Costco Anywhere Visa Business. 4% cash back on gas up to $7,000 annually 3% cash back at restaurants and travel 2% cash back on Costco purchases 1% cash back on anything else The catch is that the cash back is in the form of a Costco certificate. This can be exchanged for either cash or used as payment at Costco. So if you don’t have a Costco nearby this wouldn’t be a great option. PBUC. AF is $55, which also covers your Costco membership.
|
|
#
?
Jan 18, 2020 13:51
|
|
|
I can’t figure out how to enable DashPass on my CSR. I signed up and added the card to my payments but it still wants me to pay for DashPass. Edit: I had to delete the CSR card from the website (because the app doesn’t let you delete the only card), then go back through the activation flow from the email to add it, and it worked. smackfu fucked around with this message at 17:25 on Jan 18, 2020 |
|
#
?
Jan 18, 2020 17:10
|
|
|
smackfu posted:I can’t figure out how to enable DashPass on my CSR. I signed up and added the card to my payments but it still wants me to pay for DashPass. I think you enable it through the Chase app or website, much like the Priority Pass membership. Vomik posted:Are you the guy I worked with as a teenager who clipped coupons then dropped by to see if I wanted to buy Mach 3 razors for $2 off? Ha! Our office bills by the hour, and there are limited options within a short drive. We'll do group orders to get some variety without taking a long lunch.
|
|
#
?
Jan 18, 2020 17:26
|
|
|
halokiller posted:Are you looking for just a straight percentage for all purchases or do you not mind one that focuses on certain categories or rotates quarterly? AF or no AF? I tried categories but they were generally unhelpful, when you buy 8000 worth of used highway W beams or 12k worth of concrete block it doesnt help if theres a quarterly double return on amazon or whatever. AF is fine
|
|
#
?
Jan 18, 2020 18:17
|
|
|
Sock The Great posted:Citi Double Cash card is 2% cash back on all purchases. No AF.
|
|
#
?
Jan 18, 2020 18:34
|
|
|
thatguy posted:I tried categories but they were generally unhelpful, when you buy 8000 worth of used highway W beams or 12k worth of concrete block it doesnt help if theres a quarterly double return on amazon or whatever. AF is fine Uhh just hold on that project until best block or nucor comes up as a category? The LDs are worth it when you get that sick 5% back.
|
|
#
?
Jan 18, 2020 18:56
|
|
|
Anybody have personal experience with the double cash card? To really max out the use I'm gonna need at least a 20k+ limit when I have large scale materials or equipment purchases. My personal credit is in the low 700s, my partner's is higher but our business has stellar history and been in business since 2004. If they just plop me with like a 5k max or something won't be nearly as useful
|
|
#
?
Jan 18, 2020 19:01
|
|
|
Sock The Great posted:Citi Double Cash card is 2% cash back on all purchases. No AF.
|
|
#
?
Jan 19, 2020 02:49
|
|
|
Josh Lyman posted:FYI 4% on gas is only the first year. After that it’s 1%. quote:4%
|
|
#
?
Jan 19, 2020 06:59
|
|
|
Josh Lyman posted:FYI 4% on gas is only the first year. After that it’s 1%. On year 3 of the Costco CC and gas is still 4%
|
|
#
?
Jan 19, 2020 07:36
|
|
|
thatguy posted:Anybody have personal experience with the double cash card? To really max out the use I'm gonna need at least a 20k+ limit when I have large scale materials or equipment purchases. My personal credit is in the low 700s, my partner's is higher but our business has stellar history and been in business since 2004. If they just plop me with like a 5k max or something won't be nearly as useful You could try applying for the Alliant CU card. It has a $99 AF, but the cashback is 3% first year and 2.5% the following years and I've read the initial credit limit starts at 15k.
|
|
#
?
Jan 19, 2020 18:25
|
|
|
SiGmA_X posted:I think this is incorrect. My account, opened in 2016 received 4% on fuel last year, and the Your Rewards Details page says:
|
|
#
?
Jan 19, 2020 19:28
|
|
|
Is there a limit to how many times you can do the Hyatt $5k spend and get the two qualifying nights per $5k spend?
|
|
#
?
Jan 20, 2020 00:18
|
|
|
Insane Totoro posted:Is there a limit to how many times you can do the Hyatt $5k spend and get the two qualifying nights per $5k spend?
|
|
#
?
Jan 20, 2020 01:41
|
|
|
At the rate work is sending me out this year.... Why not? Boggles my mind they consider a Hyatt Place equivalent to a Park Hyatt in terms of qualifying nights.
|
|
#
?
Jan 20, 2020 16:47
|
|
|
I'm about to book an AirBNB stay. Does anyone now if the Uber card will still give me regular cashback points or the new Uber credits?
dpkg chopra fucked around with this message at 01:30 on Jan 23, 2020 |
|
#
?
Jan 23, 2020 01:23
|
|
|
I just cashed out my remaining points.... Looks like my account is still generating dining points at 4% as of Monday. I'm not sure if points earned will show up before your next statement date though? Pretty sure the changeover will happen Feb 1. I could deal with the Uber credits deal, but knocking my dining rebate down to 3% is really annoying.
|
|
#
?
Jan 23, 2020 03:02
|
|
|
angryrobots posted:I just cashed out my remaining points.... Looks like my account is still generating dining points at 4% as of Monday. I'm not sure if points earned will show up before your next statement date though? Pretty sure the changeover will happen Feb 1. My changeover date is Feb 4 but I’ve already switched my spending to the Savor.
|
|
#
?
Jan 23, 2020 03:41
|
|
|
Figured I'd float this again. I got a couple referrals this month, so it's nice to see it getting some use. Any other goon success stories? Jerk McJerkface posted:Goon Credit Card random referral page:
|
|
#
?
Jan 24, 2020 04:54
|
|
|
Jerk McJerkface posted:Figured I'd float this again. I got a couple referrals this month, so it's nice to see it getting some use. Any other goon success stories? It works! I've had a couple referrals from Chase. Thanks a bunch for putting this thing together. I would recommend everyone recheck their links, though. It seems a lot of them have expired.
|
|
#
?
Jan 24, 2020 15:49
|
|
|
Jerk McJerkface posted:Figured I'd float this again. I got a couple referrals this month, so it's nice to see it getting some use. Any other goon success stories? Haven't gotten any myself, but I'm glad it's working for others! Could we add a Southwest card page? It's prime Companion Pass season, one of my favorite values in points/miles travel. It's a general landing page where people can pick whichever of the 5 cards they want.
|
|
#
?
Jan 24, 2020 16:01
|
|
|
lgcty5 posted:Haven't gotten any myself, but I'm glad it's working for others! Done. squirreltactic posted:It works! I've had a couple referrals from Chase. Thanks a bunch for putting this thing together. Probably a good idea. Thanks! EDIT: I checked and a lot have infact expired. Maybe take a pass on any you have and see if they are good. I can add whatever pages people what, just let me know. Super-NintendoUser fucked around with this message at 20:26 on Jan 24, 2020 |
|
#
?
Jan 24, 2020 20:19
|
|
|
Jerk McJerkface posted:Figured I'd float this again. I got a couple referrals this month, so it's nice to see it getting some use. Any other goon success stories? Not yet I don't think, but I went ahead and updated my links just in case. Small White Dragon fucked around with this message at 02:47 on Jan 25, 2020 |
|
#
?
Jan 25, 2020 02:29
|
|
|
I'm interested in getting a new credit card. I already have an account at Alliant, so I was looking at their 2.5% cash back card. The cash back looks pretty nice and it's low maintenance, since I don't have to worry about points or anything. However, I'm also interested in some of the hotel credit cards. For example, it seems like the 100,000 points bonus with the Marriott Bonvoy card would be good for ~3-10 free hotel nights. Is that right? I don't really like dealing with points, but traveling more might be fun. Any opinions on hotel credit cards?
|
|
#
?
Jan 25, 2020 06:08
|
|
|
DorianGravy posted:I'm interested in getting a new credit card. I already have an account at Alliant, so I was looking at their 2.5% cash back card. The cash back looks pretty nice and it's low maintenance, since I don't have to worry about points or anything. However, I'm also interested in some of the hotel credit cards. For example, it seems like the 100,000 points bonus with the Marriott Bonvoy card would be good for ~3-10 free hotel nights. Is that right? I don't really like dealing with points, but traveling more might be fun. Any opinions on hotel credit cards? There's a $99 annual fee on that card after the first year and with the $10,000 cap on cashback ($250 cashback) you'd only get halfway to covering the annual fee from the addition 0.5% vs a non-fee card like Citi's Double Cash of the Fidelity visa which gets 2%. EDIT: Nevermind, I guess the cap is monthly, not annually. So if you plan to put over $20,000 on it a year it may actually be worth it. I personally would still look at category specific cards which may earn you more for regular spending and see if you still would cover $20,000 afterward for non-category purchases. Or if you don't want to deal with multiple cards then this may be a good choice for thin wallet types. Girbot fucked around with this message at 10:26 on Jan 25, 2020 |
|
#
?
Jan 25, 2020 10:21
|
|
|
Girbot posted:There's a $99 annual fee on that card after the first year and with the $10,000 cap on cashback ($250 cashback) you'd only get halfway to covering the annual fee from the addition 0.5% vs a non-fee card like Citi's Double Cash of the Fidelity visa which gets 2%. Thanks for the feedback. I looked around more and decided to go with the World of Hyatt card. It's got a straightforward and (apparently) useful reward structure, and more or less fits what I'm looking for. I'm sure cards with rotating categories or other sorts of reward structures can be useful, but I'd honestly prefer to put as little effort as possible into optimizing reward strategies. World of Hyatt seems like it will give me 3-10 free hotel nights for completing the initial offer, and then I should be able to get a handful of rooms for free each year after that, which seems like fun. A normal cash back card is useful, but I'm starting to feel like it's the difference between getting cash and a gift card for Christmas; the cash may be more useful, but you might just spend it on groceries/rent instead of something more adventurous. Anyway, thanks again for the feedback. Has anyone here had good/bad experiences with the World of Hyatt card?
|
|
#
?
Jan 25, 2020 19:51
|
|
|
I currently have a CSP and CFU. All of my spending is on the CFU until May since I’m on the 60k UR points in the first 12 months signup bonus. My next card is likely going to be the Ink Business Preferred, which I had planned on getting the sign up bonus and then canceling after the first year. However, examining my spending and the bonuses for the IBP, I think it may be better for me to keep the IBP and cancel my CSP. I eat out very infrequently (like $30 a month on lunches with my work colleagues and maybe 2 or 3 $100+ dinners per year). I do book a couple family vacations per year, which would get me 3x with the IBP instead of 2x with the CSP. I’d also get 3x on my home internet bill with IBP. I spend way more on travel and than I do on restaurants per year. I’d still keep the CFU for all spending outside my internet bill and travel. The IBP still has the 1.25x bonus when spending UR through their portal, no foreign transaction fees, and the same AF as the CSP. Is there any other benefit with the CSP that I am overlooking? This would have the added benefit of me being without a Sapphire product for a couple years and I’d be able to come back for a sign up bonus eventually.
|
|
#
?
Jan 25, 2020 22:29
|
|
|
DorianGravy posted:Thanks for the feedback. I looked around more and decided to go with the World of Hyatt card. It's got a straightforward and (apparently) useful reward structure, and more or less fits what I'm looking for. There's a World of Hyatt ref page on the Goon Ref Sheet FYI.
|
|
#
?
Jan 25, 2020 23:22
|
|
|
DorianGravy posted:Thanks for the feedback. I looked around more and decided to go with the World of Hyatt card. It's got a straightforward and (apparently) useful reward structure, and more or less fits what I'm looking for. I have it and it's one of the few cards I consider a keeper. I usually make Explorist every year, and the 5 qualifying nights the card gives you plus the extras for spend are what allow me to do that easily + travel. I often get upgraded rooms/suites as a result (got some nice perks even just from the Discoverist status that holding the card gives) and I always get outsized value from the annual free night certificate. I'm using this year's in Naples, FL for a room that would normally be $400+. Not bad for the $95 annual fee. Plus the quarterly promotions they run can be really beneficial. This past year I had a few occasions where paying (reasonable) cash rates for 2-3 nights led to getting a free night plus a bit extra because of the promotion and credit card points combined. lgcty5 fucked around with this message at 23:32 on Jan 25, 2020 |
|
#
?
Jan 25, 2020 23:30
|
|
|
|
| # ? May 14, 2024 05:25 |
|
|
lgcty5 posted:I have it and it's one of the few cards I consider a keeper. I usually make Explorist every year, and the 5 qualifying nights the card gives you plus the extras for spend are what allow me to do that easily + travel. I often get upgraded rooms/suites as a result (got some nice perks even just from the Discoverist status that holding the card gives) and I always get outsized value from the annual free night certificate. I'm using this year's in Naples, FL for a room that would normally be $400+. Not bad for the $95 annual fee. Also, if you fly AA, the status that comes with the card qualifies you for the cross-over rewards. And you can spend towards status if you're close to a tier/milestone. Glad I got this one before it was covered by 5/24.
|
|
#
?
Jan 26, 2020 03:26
|
|