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My wife has had an Amex plat as her primary card for a few years. We actually have two now since I signed up for a 150k bonus offer. We live in locations with lounges but try not to spend too much time waiting there. The denver lounge is probably the best/largest one I’ve been to. The one at SFO is pretty cramped. I probably won’t pay to renew my card if my wife is already paying for it each year. Getting $700 worth of lounges each year is probably not worth it.
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Apr 13, 2022 15:14
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Upgrade posted:are there that many airports with centurion lounges but no other priority pass lounges? I have yet to use a priority pass lounge successfully in the US.
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Apr 14, 2022 02:11
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saintonan posted:For just a glimpse, this is a flowchart designed to answer what travel rewards card(s) an efficient person should get, and in what order. That rabbit hole goes very deep. Do not want to meet the guy responsible for that chart.
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Apr 15, 2022 17:42
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asur posted:If you don't want to churn sign up bonuses or have way more yearly spend than the average person (100k+) then none of the travel cards are worth bothering with. Just get a 2% cashback card and one or more cards with increased categories that spend in, groceries probably being the most obvious. Out of curiosity why does average spend make a difference for the value of travel cards?
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Apr 16, 2022 14:29
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ranbo das posted:It's a matter of practicality more than anything. For example a trip I'm going to take (if covid ever abates) the flights were 120,000 points round trip. If you're only spending enough to get 12,000 points a year, a lot of us would say one flight a decade isn't worth it and you maybe could use the cash more. Ah gotcha I read his comment the wrong way then. It seems like if you’re spending more money in general, a greater proportion of that is likely to be on things like travel/eating out, where a travel card may go further than a 2% card.
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Apr 16, 2022 16:43
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Shroomie posted:This usually only happens with multiple cards from the same bank (Chase is notorious for limiting you to 50% of your income), but they can usually adjust existing limits to make room for a new card if you call recon. Does Chase have a hard limit of 50-60k or so?
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May 10, 2022 05:49
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FunOne posted:BofA will do 2.62% everywhere on their top cards with relationship bonus from parking assets with BofA/ML. When I was a dumb undergrad I got caught up in BofA’s strategy of staggering withdrawal/deposits to maximize penalty fees and haven’t used BofA since. 
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Jun 13, 2022 11:15
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CSR has always been effortless for me. We travel fairly often, and the points transfer to Hyatt, which has led to some pretty amazing free hotel stays in amazing places. I signed up for the 150k Amex bonus last year and I’m at a loss on what I should do with the points. The hotel transfer partners seem terrible for value, and our schedules don’t allow us to pick a random Wednesday in two months and take off on some good business class redemption to Asia or whatever. Am I missing some secret Amex redemption?
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Sep 24, 2022 12:06
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CubicalSucrose posted:Schwab plat allows for 1.1 cpp redemptions in cash. Used to be 1.25. Yeah I’ve considered just doing this. Upgrade posted:FWIW the best return on investment card IMO is still amex plat if you're using the return protection regularly What’s that?
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Sep 24, 2022 20:46
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pseudanonymous posted:Can you transfer points to this from other Amex cards? Yeah it’s just MR points. If you pair it with a gold card you used to be able to get pretty decent redemptions when it was at 1.25. I feel there has to be a good mr transfer partner though right?
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Sep 24, 2022 22:38
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Space Fish posted:Chase Ultimate Rewards points multipliers kind of suck across airlines. 1.1x, 1.2x... seems like UR points are most useful for their 2.8x value multiplier when transferred to Hyatt hotels. Everything else, you may as well redeem for cash and take the 1.25x from the Sapphire Preferred / 1.5x from the Reserve. What's this now? 2.8x multiplier for hyatt transfers? How does that work?
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Oct 7, 2022 19:06
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Ham Equity posted:I'm sitting on 190,000 Chase Sapphire rewards points. What's the best way to spend those? This is just a thing we do, but Hyatt tends to have nice properties in nice places which can be pretty pricey. If you’re getting a $1k room for 30k points, you’re doing pretty well. Availability is also pretty good, which helps if you can’t wait for some random Tuesday frequent Flyer redemption.
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Nov 30, 2022 13:11
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Since this is the de facto reward thread, a question about whether I got a good “deal” or not with Hyatt points. Standard Room: 21k points or $490/night Grand suite: $1100/night or 6k points plus $490. I don’t normally book suites but I did in this case since we’re traveling with our baby and I’ll be status post a 120 mile bike ride. Seems like a decent deal right?
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Jan 8, 2023 23:06
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FunOne posted:I've asked this before, but is there a good way to get value out of Amex points other than transferring them to travel partners and doing that whole song and dance? Seconding this. I can't even figure out who the "good" travel partners are with Amex. I guess Marriott isn't bad if you do the stay 4/5th night free thing?
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Jan 9, 2023 04:26
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Baddog posted:The loophole getting closed is prolly the biggest risk! Are you limited to how many points can transfer over to the Roth? Say, if you also had a gold card and got 4x points?
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Jan 10, 2023 02:54
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Just switched to my final Amex Plat, the Chuck Schwab version. The sign up bonus was only 80k, but my renewal was coming up and it didn't feel like waiting an extra year for an extra 20k points was worth it, since you get a discount on the Schwab version AF if you have some assets with them. I'll finally have a place to use all of my Amex points I can't figure out what to do with! Am I the only one that has found it a PITA to actually use Amex points? I tend not to use them on flights since my wife and I aren't travel bloggers who fly on a random Tuesday at 2pm. We'd use them on hotels, but the Marriott options seem to offer terrible value.
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Jun 16, 2023 17:30
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Someone's gotta be playing the manufactured spending game and/or figured out a way to buy pudding to fund their Roth for millions.
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Jun 18, 2023 22:54
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Unsinkabear posted:Whatever lender they tried to do that through would notice and shut them down long before they became even remotely worthy of the IRS's time. MS is more or less dead. Legitimate rewards are fine, though I'm out of touch and had no idea MS was not longer a thing. SlapActionJackson posted:Just do it the Thiel way and stick a bunch of pre IPO equity in your Roth and pretend it's only worth par. I've already funded my Roths for the year, but if someone wants to sell me pre-IPO shares for pennies, will take Amex, and then I can transfer them over to Schwab, I'm all in. 
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Jun 19, 2023 15:04
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Hey dumb question but uh does the metal Charles schwab Amex platinum with the wireless logo actually support wireless? I’m finding mixed things online.
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Jul 16, 2023 01:21
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CubicalSucrose posted:If by "support wireless" you mean "you can hover the card over the little doo-dad without needing to swipe or insert/pin-thing," then yes it does (got my card like 2 years ago I think, unless I got a replacement at some point during that time). I’m finding some references to a “full metal” and a plastic/metal card in old posts, with the full metal card maybe not having it? Strange since it has the logo.
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Jul 16, 2023 01:41
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smackfu posted:Is this just general worry that you will sign up for the card and then tap to pay won’t work? That seems like something you could just complain about if it happens to you. No I have the card and it's not working. When I googled I found mixed information on whether it worked with the metal cards or not.
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Jul 16, 2023 16:28
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pseudanonymous posted:It worked, Is there any way to figure out if you qualify? My wife's amex is coming up for renewal and I was going to switch her over to the Schwab version to get the bonus. If there's no bonus I'll just finally add her as an AU.
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Aug 20, 2023 12:16
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MY WIFE’S Amex is coming up for renewal and I figured we’d switch her to the Schwab card to snag the bonus. Unfortunately looks like she’s in pop up hell because she has an Amex card already. I guess the benefit of having two full Amex cards is that we get two United credits, hotel credits, etc, while with an additional authorized user we’re limited to one set of benefits only, correct?
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Sep 7, 2023 03:59
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pseudanonymous posted:Yes, Amex recently 2weeks ago or so changed the lifetime sub rules, you used to be able to get vanilla + schwab + MS subs now just 1 captain chauncey posted:Correct, unfortunately the changes to the Platinum last month now consider them all one product for the bonus language, so yeah the old slide over to Schwab in year 2 trick is dead. Thanks guys. I guess that'll teach me for procrastinating for a few years.
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Sep 7, 2023 14:49
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Is there any reason to hold off on canceling my wife's regular Amex plat? Likely no chance that they'll change their policy on the sub thing right?
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Sep 11, 2023 21:34
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Cacafuego posted:I’m just hoping the Delta changes result in less people in the centurion lounges. Won't it result in more people in Centurion lounges, since the people traveling on Delta will now have fewer choices? quote:If Amex stopped giving active duty military annual fee waivers on the platinums you’d see a huge drop in centurion lounge visitors, but that’ll never happen, so we’ll see how the delta changes affect it. Wouldn't that be something.
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Sep 15, 2023 03:33
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Also curious how this works with Amex's FHR. I know that Amex uses Expedia on the backend for hotel reservations. We've had decent enough luck using them for the Amex credit, but presumably you're at the back of the line since it's a 3rd party booker.
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Sep 25, 2023 20:11
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Tortilla Maker posted:Fully agree that the Chase UR to Hyatt transfer gives you the best value for everyday stays. Biggest downside to Hyatt is their limited portfolio. You'll find great properties in some major cities, almost nothing to others (e.g., Austin, Philadelphia, Mexico City, etc.). Marriott has been pretty great for those cities, particularly if you get in on their 5x 50k certificates through Chase. Off-season 50k easily gets you into the Ritz, St. Regis, and boutique hotels such as the Austin Proper. I've been ignoring Marriott for redemptions since we do pretty well with Chase->Hyatt. What's the 5x 50k trick?
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Jan 29, 2024 17:00
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gregday posted:Holy poo poo, when did Chase add a Request Increase button to their site? I just hit it and got an increase on my card that hasn’t had a change in limit in 10 years. I had tried asking customer service for an increase before without it triggering a hard pull but was always told they couldn’t do so. Did it come back? They used to have one then I think it went away for a while? edit: Just logged in and it's back for me. "We'll mail or email our decision in 7 to 10 business days." 
Residency Evil fucked around with this message at 17:27 on Feb 6, 2024 |
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Feb 6, 2024 16:46
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