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You also get a grand for transferring the $100k to Merill Edge. Usually I don't like to mess around with extra brokerages, because it complicates things at tax time, but that might be worth it.
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Nov 11, 2014 17:26
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Yeah, my main concern would be that playing games means I end up earning 0% cash back for the next few years.
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Feb 15, 2015 18:55
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TraderStav posted:SPG is recategorizing many hotels. See the full list. I had to bump up my booking to Cancun since that is going from a 4 to a 5. Many are going down as well. Always nice to see more cat 2s. That is the killer deal for redemption since $3000 gets you a night and they still usually would cost $90 plus tax. So over 3% back.
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Feb 26, 2015 01:25
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dexter6 posted:I'm headed to Thailand for 2 weeks in a few days. The way I see it, I can handle expenses a few ways: I don't think you will have much luck using a credit card for most of the expenses beyond corporate hotels. Looking at my records, I used cash almost exclusively in Thailand.
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Feb 26, 2015 20:06
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Pretty much the only places we deal with that don't take Amex are some small restaurants. And occasional internet sites. But not a big deal.
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Mar 2, 2015 13:51
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I have 30k or so miles from the AA card, but what's the best way to use them?
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Mar 6, 2015 15:20
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The original way was that you got one mile for each mile you flew, and then you could trade them in for a flight, usually 25,000 miles for a fight within the U.S. Great for business travelers since the flew a lot on their employers dime and got to keep the free trips. Now you can earn miles with a credit card, usually a mile per dollar, and it often is more miles to redeem if you want to pick what day your flight is, but that's the gist.
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Mar 10, 2015 12:57
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For the really low balance one, are there any magazines you want? That's usually a good way to use up a small amount of miles.
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Mar 10, 2015 17:45
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Yikes, $100 to transfer 5000 miles. So that's $0.02 per mile just in costs.
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Mar 10, 2015 19:26
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Paying back a loan reliably seems like it is something that should be in a credit score. To be honest.
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Mar 16, 2015 12:35
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EB Nulshit posted:Wait, how do you "work" a miles program? Is there a good source that has everything I need to know in one place? Most of these people either have their own business and put all the expenses through a rewards card, or they fly a ton for work.
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Mar 23, 2015 12:36
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Apparently the BarclayCard Arrival+ comes with a TripIt Pro subscription. Who knew?
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Apr 24, 2015 19:02
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Yes, you can opt out of pre-approved offers: https://www.consumer.ftc.gov/articles/0262-stopping-unsolicited-mail-phone-calls-and-email
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Apr 28, 2015 01:34
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hitachi posted:Are there any cards that give miles/points that are transferable to the United miles program? SPG does transfers, but I think it is 2:1 which sucks since other airlines are 1:1.
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May 8, 2015 14:51
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Some people also don't like to mess around with airline miles. Definitely harder to redeem than statement credit.
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Jun 23, 2015 12:47
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Massasoit posted:Any no fee chip and pin cards out there with no overseas charge? Doesn't have to be rewards card but that would be cool too. I'd be surprised. No foreign transaction fee is a pretty valuable service, once you start spending a few thousand bucks overseas.
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Jun 23, 2015 19:04
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I used to have an Amex SPG for years, and then got my fiance to sign up for one to get the sign-up bonus. Then I cancelled mine in Dec 2013 because having two was pretty pointless. I'm a secondary user on her card though. So the question is, can I get a sign-up bonus by signing up for the card under my name, or would I have to do the business version now?
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Aug 17, 2015 19:18
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If you use Metro North or LIRR, and have an iPhone, and have a Chase card, you can get up to $30 back on tickets bought through the new MTA e-Tix app: https://www.chase.com/digital/digital-payments/apple-pay/apple-pay-mta I had no idea this existed but got the credit accidentally.
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Dec 24, 2016 16:15
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I just signed up for it in December. Want to sign my wife up too but getting both minimum spends in overlapping months might be tough.
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Jan 4, 2017 02:11
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Barclaycard really requires you to call to dispute a charge. Grr. And their systems are down.
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Jan 9, 2017 16:53
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Amazon sent me a fancy mailer extolling the benefits of their new improved Chase card (that I already had.) Seems a bit silly waste of money.
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Feb 23, 2017 01:56
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Surprised it took so long to trickle down to free cards. How much can a metal card cost them to produce?
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Mar 7, 2017 13:33
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Being able to transfer points to airline programs can get great redemption values but it seems to make it so much more complex to figure out the best way to redeem. Especially if there are transfer delays.
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Apr 16, 2017 15:17
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So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal?
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Nov 15, 2017 14:32
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Yeah, I think it is perfectly fine for us to keep the CSR. The 3% on restaurants then 1.5x redemption on travel is hard to beat and we spend a decent amount on travel each year.
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Nov 16, 2017 00:36
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Have not had any issues with Chase. American Express has been super vigilant on some charges they considered sketchy. Denied the charge and called me and texted me and sent an alert on my app and emailed me.
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Dec 30, 2017 15:29
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State Farm takes Apple Pay through their app if you are looking for some spending and happen to have them as your insurer.
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Feb 12, 2018 05:04
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Do not understand Chase. They wouldn’t issue me a card until after they sent me a letter and I called them on the phone, at which point they verified my cell number by texting me. That’s it.
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Mar 1, 2018 00:46
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Have a vague recollection of some card that gives more cash back if you have a fairly high amount in your associated brokerage account. Ring a bell for anyone?
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Jun 15, 2018 22:12
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Can anyone give some more info on the “use points to stay at premium Hyatt properties?” We did something similar a few years ago using SPG points in Europe to stay at very fancy places (that my wife loved) but those redemptions have basically tripled at this point. 20k points and 60k points a night are very different.
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Aug 4, 2019 18:48
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So it’s worth it to transfer to Hyatt even though you give up the 1.5x redemption bonus for CSR? 3x was a bad example for SPG / Bonvoy, I just feel like they keep moving properties into higher tiers that make it impossible to stay anywhere for more than two nights. Unless we move all our spend to the Amex Bonvoy card.
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Aug 4, 2019 19:57
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Apple Card is out now. Sign up process was pretty easy once I unfroze TransUnion and they gave me a pretty hefty limit. Will probably only use it for Apple purchases but that is sadly quite a chunk of money. Also they added 3% Uber which is pretty good if you don’t have the Uber card already.
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Aug 20, 2019 18:40
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Just realized that I bet Apple Card doesn’t have Mint or any other kind of integration. Yep: https://www.imore.com/apple-card-wont-support-exporting-data-mint-launch
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Aug 21, 2019 01:23
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When do people actually use airport lounges? Mostly long connections or delayed flights? We don’t usually get to the airport hours early or anything.
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Oct 8, 2019 12:02
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Thanks, that’s what I thought. Trip report on using Apple Card in Europe: 90% of places use handheld readers that support contactless payment so you get the 2% cash back and there is no foreign transaction fee. And Ubers were super cheap (in Portugal at least) and you get 3% on them. Not a bad choice for a free card, if you have an iPhone.
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Oct 8, 2019 13:00
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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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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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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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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 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 |
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Jan 18, 2020 17:10
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