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pseudanonymous posted:Honestly Amex cards are all about subs and travel. Weird categories, statement credits and offers. Cruise Ship offers they are best. You can pre buy casino chips and cash them in for cash. They got wise and prevented multiple cards but they started working again so ymmv
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Dec 1, 2022 16:22
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Unsinkabear posted:Given that nerdwallet is corrupt as hell these days, I would trust that smaller number.
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Dec 1, 2022 17:48
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smackfu posted:Where’s that 2.8x Hyatt number coming from? Super high end properties? High season? Hyatt boosted the categories on most of its hotels not too long ago. That 80k point Park Hyatt stay was 60k points ~6 months ago. Elysium fucked around with this message at 17:53 on Dec 1, 2022 |
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Dec 1, 2022 17:50
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Bentai posted:What happened to them? Their reviews are heavily biased towards advertisers and companies that give them referral bonus.
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Dec 1, 2022 18:12
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If people aren't already aware of that, maybe we should update the OP? The current first sentence is a link to Nerdwallet's top card list and a claim that we all mostly agree with it. (It is an understatement to say that I do not, lol)
Unsinkabear fucked around with this message at 18:47 on Dec 1, 2022 |
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Dec 1, 2022 18:45
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Or maybe it's time to start drafting a new OP for a new megathread.
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Dec 1, 2022 18:57
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Lol, you volunteering? I just figured that since THF13 is still around and I don't know if anyone else has time to tackle a full thread rewrite, it would probably be easier to just fix that one small glaring problem. At least get that out of there for now, then if someone wants to start a new thread they can work on it at their leisure.
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Dec 1, 2022 20:03
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I can give the OP a once-over and update it today or tomorrow, feel free to chime in with anything you think should be added/edited/removed. On the todo list
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Dec 1, 2022 21:27
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Maybe someone else can think of another suggestion or two, but that sounds perfect to me!
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Dec 1, 2022 22:10
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Hyatt redemption varies pretty heavily based on where as well; Hyatt Maui is currently ~$600 a night, 25k points. So for 6 nights, you're looking at $3600 or 150k points or ~2.4 cents per point.
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Dec 2, 2022 01:52
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THF13 posted:I can give the OP a once-over and update it today or tomorrow, feel free to chime in with anything you think should be added/edited/removed. On the todo list You have the ref sheet in there, thanks for remembering!
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Dec 2, 2022 02:14
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Update on the continuing saga of my Citi cashback since I know you're all deeply, deeply invested: it's finally giving me the option to deposit the funds directly to my bank account! Apparently you need to pay three bills first, not two as the Citi rep told me.
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Dec 3, 2022 01:13
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THF13 posted:I can give the OP a once-over and update it today or tomorrow, feel free to chime in with anything you think should be added/edited/removed. On the todo list Thanks for continuing to update the OP!
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Dec 3, 2022 18:25
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Three more no-fee 2% cash back cards: Wells Fargo Active Cash - nice SUB and perks, including option to redeem cash back in $20 increments at a Wells Fargo ATM. FNBO Evergreen - Straightforward choice from First National Bank of Omaha. Synchrony Premier - Also straightforward, plus some Lyft, DoorDash, and Hello Fresh perks. If someone wants to stick with the Wells Fargo ecosystem, then pairing an Active Cash with WF's Autograph card is a great one-two combo: 3% back on travel, gas, restaurants, streaming, and phone plans with the Autograph, then 2% back on everything else with the Active Cash. (I avoid Wells Fargo like the plague, but I know enough people who passively stick by them that I have this spiel down pat.)
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Dec 3, 2022 20:41
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Shroomie posted:Alternatively, if you've got the Reserve, you can wipe out dining purchases at 1.5 cents per point. Right now the Preferred only has Airbnb and charities as pay yourself back categories. Does the Reserve have dining as a bonus permanent one or something?
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Dec 3, 2022 22:18
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Unsinkabear posted:Right now the Preferred only has Airbnb and charities as pay yourself back categories. Does the Reserve have dining as a bonus permanent one or something? It has had it since they started PYB at least, not sure if it's permanent.
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Dec 3, 2022 22:36
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Space Fish posted:Three more no-fee 2% cash back cards... Same here. They have my oldest card, and it will probably remain my only WF card. Do either of the other two you mentioned have zero minimum on redemptions? I use penfed as my 2% card and while they're not my favorite to deal with, the convenience is incredibly hard to replace. Every month it autopays and dumps that month's cash back into my external bank account without me having to do anything, no matter how much or how little it is. runawayturtles posted:It has had it since they started PYB at least, not sure if it's permanent. Hasn't it been a couple years of it now? Maybe not permanent but seems consistent enough that I should redo my math on whether the Preferred or Reserve makes me more. I give Taco Bell way too much money that I could be PYBing
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Dec 4, 2022 00:44
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Unsinkabear posted:Do either of the other two you mentioned have zero minimum on redemptions? FNBO Evergreen redeems in increments of $25 for cash back or minimum of $10 for gift cards. Synchrony Premier has monthly auto-redemption.
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Dec 4, 2022 04:54
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The monthly eBill for my Bank of America card is sent to my Ally Bank account; if I set it up on Ally's website to pay the "account balance" on the due date under Bill Pay -> Recurring Payments would that effectively achieve the same thing as setting it to autopay the statement balance through BoA's site? Should I expect there to be any delays in it posting to my BoA account since I'm not paying directly through them?
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Dec 7, 2022 06:16
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Atahualpa posted:The monthly eBill for my Bank of America card is sent to my Ally Bank account; if I set it up on Ally's website to pay the "account balance" on the due date under Bill Pay -> Recurring Payments would that effectively achieve the same thing as setting it to autopay the statement balance through BoA's site? Should I expect there to be any delays in it posting to my BoA account since I'm not paying directly through them? If you set the recurring payment a few days before the credit card due date, there won't be any issues, except for losing a very small amount of interest. The bonus for doing this from BofA's side is that many places will credit the payment a day or so ahead of when they actually pull the money, especially if payments fall over weekends. That means money stays in your account longer, with the same security of never having delays impact payment timing. The difference is pretty negligible though unless you're putting thousands in spend on the card every month.
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Dec 7, 2022 14:29
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I have a Citi trio and am thinking about pairing a traveling card that gives perks for when I convert points. Is there a good option for this I’m getting lost in the options a bit trying to figure it out
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Dec 7, 2022 21:39
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saintonan posted:If you set the recurring payment a few days before the credit card due date, there won't be any issues, except for losing a very small amount of interest. The bonus for doing this from BofA's side is that many places will credit the payment a day or so ahead of when they actually pull the money, especially if payments fall over weekends. That means money stays in your account longer, with the same security of never having delays impact payment timing. The difference is pretty negligible though unless you're putting thousands in spend on the card every month. Thanks! Yeah, I'd prefer to do it through BoA themselves for that very reason + the certainty of knowing my bill will be paid on exactly the due date each month, but they seem to go out of their way to make it difficult. I just set up my other cards with autopay last week, and each one took about two minutes. With BoA, I'm two hours in with no progress whatsoever. Their site/UI sucks, their help system is useless, and every tutorial I've found about setting up autopay involves steps that aren't available to me. (E.g., links on the Bill Pay page that don't show up for me - I've seen exactly where they should be in screenshots/videos and they're just... not there.) I even tried calling customer service; they weren't able to help and forwarded me to a supervisor who promptly hung up. From what I've read, this is a pretty standard BoA customer service experience. I promise I'm not as technologically inept as my posts ITT make it sound BTW, for some reason this only comes up with regards to credit cards. And it isn't an issue of the account being too new this time either, I've had this card for around a decade.
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Dec 7, 2022 23:50
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Any tips for getting some cash back on rent? I'll even settle for some stupid points. Currently I Venmo my roommate/landlord every month. He doesn't care how he gets his money as long as he gets it.
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Dec 9, 2022 03:14
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Teriyaki Hairpiece posted:Any tips for getting some cash back on rent? I'll even settle for some stupid points. Currently I Venmo my roommate/landlord every month. He doesn't care how he gets his money as long as he gets it. Can you PayPal instead and get 5% back on the flex and 3% on a paypal card?
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Dec 9, 2022 06:18
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Look into the Bilt Mastercard, although I don’t know if they allow payments to private individuals.
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Dec 9, 2022 13:43
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If I still have an old Chase Freedom, can I product change a CSR into a Freedom Flex? Edit: Nevermind, I thought Freedom Flex replaced Freedom but I guess they are different. smackfu fucked around with this message at 04:04 on Dec 12, 2022 |
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Dec 12, 2022 03:58
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As far as I know the Freedom Flex's extra rewards (vs the old Freedom) are all present from the Freedom Unlimited as well. So if you have the CFU and the original CF, as many of us do, there's no reason to worry about a Flex. You might even argue that the OG is better in that scenario, because it can be used at Costco
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Dec 12, 2022 04:50
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Unsinkabear posted:As far as I know the Freedom Flex's extra rewards (vs the old Freedom) are all present from the Freedom Unlimited as well. So if you have the CFU and the original CF, as many of us do, there's no reason to worry about a Flex. CFU doesn't get the 5x rotating category.
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Dec 12, 2022 05:39
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No, the regular Freedom has that. Hence the emphasis on "the Freedom Flex's extra perks (vs the old Freedom)." As in, the stuff that isn't the core selling point perk that both versions of the card have always had Also hence the "if you already have the CFU and the original CF"
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Dec 12, 2022 05:54
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I'd try PCing to a second OG Freedom card first, just to leave the possibility open for getting a SUB on the Flex. That being said, I've seen recent reports of reps having no idea what people are talking about when they call in to do that.
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Dec 12, 2022 06:49
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Alright, just want to point out there is an advantage to having multiple Freedoms if you can take advantage of the 5x categories, since they are capped at $1500 per quarter per card.Shroomie posted:I'd try PCing to a second OG Freedom card first, just to leave the possibility open for getting a SUB on the Flex. I actually did this recently, apparently they call the OG Freedom "Freedom with Ultimate Rewards" fyi.
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Dec 12, 2022 08:39
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So this is probably the wrong thread, but correct audience My wife has an unpredictable schedule and travels a lot for work. I end up playing nanny and traveling with her and my daughter often so we're booking a lot of air miles. I wouldn't be surprised if our toddler has been on 10 flights this year (so far) We've been booking our travel through American Express at competitive rates (compared to Google flight rates), and often times we cancel legs or the whole trips, and then rebook with no fee. I think we had a Charlotte-Boston-SFO and then rebooked it later for NYC-DC-SFO-Charolette on a different week, the morning of Anyways I guess what I'm asking is, is there a better way to handle all this, than through amex travel like we've been doing. We went from zero to 100 in terms of travel and so far reclaiming credits seems to be successful? Should we go find a different travel agent or is amex the correct solution Currently on hold with amex rerouting travel for tomorrow to SE Asia to, I guess Spain and Morocco, and then Mexico and our credit got eaten by the system so waiting to hear back on the ticketing being confirmed On topic: this all goes through our amex platinum which was recommended by this thread
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Dec 24, 2022 23:26
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Hadlock posted:So this is probably the wrong thread, but correct audience The Business Travel Thread is probably the thread you're looking for here. I book directly with the airline unless there is an incentive to book through a travel portal (i.e. the point rebate you get with Amex biz cards). I've just seen too many stories where people are stuck in an airport somewhere and the travel agency is telling the person to call the airline and the airline is telling the person to call the travel agency and they just can't get anywhere.
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Dec 25, 2022 01:32
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Oh cool perfect. Hey look it's the exact same 25 goons I see in all the other threads I frequent
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Dec 25, 2022 06:00
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Hadlock posted:Oh cool perfect. Hey look it's the exact same 25 goons I see in all the other threads I frequent I think a project mapping goons who post to threads to other goons who post to those threads and then running cross referencing would be really interesting. Six degrees of separation from people you'd probably prefer to have sixty.
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Dec 25, 2022 06:19
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It might just be that the goons who travel for work have an outsize amount of idle time in 10-45 minute segments either in airports or other travel delays and those get converted into posts and I'm statistically more likely to see them At one point I briefly considered what would be required to see if Motronic is statistically more likely to get probated at the end of the month/quarter than not but realized I'll never have the time to do that Was not at all surprised to kengriffy, kill hour, movax, resident evil, and a whole lot of others over there Hadlock fucked around with this message at 07:18 on Dec 25, 2022 |
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Dec 25, 2022 07:15
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Hadlock posted:Was not at all surprised to kengriffy, kill hour, movax, resident evil, and a whole lot of others over there  boo
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Dec 26, 2022 06:32
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I read that you can apply for business credit cards as a sole proprietor using your SSN in lieu of an EIN if you've got something you can claim as income (e.g., Ebay sales). How legitimate is that and would the IRS frown on it in any way? I'm eyeing that $900 SUB on the Chase Ink Business Cash card.
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Dec 29, 2022 09:21
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Atahualpa posted:I read that you can apply for business credit cards as a sole proprietor using your SSN in lieu of an EIN if you've got something you can claim as income (e.g., Ebay sales). How legitimate is that and would the IRS frown on it in any way? I'm eyeing that $900 SUB on the Chase Ink Business Cash card. Unless you're using that to do something shady like fake losses to lower your income the IRS will have no issue. You need to see if your State allows it. I've done it in New York, needed to use my full name as the Business name and SSN as EIN and it was fine. (check this is still the case before doing it, it was a few years ago).
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Dec 29, 2022 15:12
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One weird thing is that they will often put both the business name and your name on the card, so for a sole prop it will have your name twice.
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Dec 29, 2022 15:47
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