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Citi double cash is going to be about as good as it gets for a general usage card, right? amazon / random-shopping / gas are my biggest categories. Don't carry a balance, not worried about miles, just cash back.
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Jan 8, 2015 06:37
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Duckman2008 posted:So am I seeing it right that the Discover card doubles your cash back for the first 12 months? Also, wouldnt that be 10% bonus on the 1% (so 1.1% back), not +10% of the purchase (11%)? Moneyball posted:Safe to make multiple balance transfers? ilkhan fucked around with this message at 04:36 on Oct 16, 2015 |
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Oct 16, 2015 04:23
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Jastiger posted:I care because I hate paying interest. I'd transfer the money to the 0% interest cash one, and pay as much of it off as possible (though the discover gives me 0% interest for the first year), and thr discover would be just for rewards at this point I think. It's a nice card and a good way to earn bux back on stuff like bideo games or computer parts.
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Nov 1, 2015 21:50
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Are the Citi easy deals points worth anything? They seem like the worst possible rewards system.
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Nov 13, 2015 15:45
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Insane Totoro posted:It's also important to remember that there's a difference in the way your return is calculated when it comes to credit card rewards. Some cards give you very nice CASH value when it comes to points but others give you very generous REDEMPTION rewards.
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Nov 13, 2015 20:12
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EAB posted:I'm confused. Statement balance is your balance as of your last statement. Minimum due is the minimum you need to pay. Your paying dollars to them doesn't change your statement balance. Its not supposed to. And barring some odd terms, as long as you pay the statement balance every month, you won't pay any interest.
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Nov 15, 2015 05:56
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Cacafuego posted:For anyone interested in signing up now, the chase sapphire preferred bonus has increased to 50,000 points as of yesterday. If you've applied within the last 3 months, it's worth it to SM/call chase and ask for the extra 10k points. Wish I could pay rent on a card. Would make it simple.
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Nov 17, 2015 03:58
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Whats the best (domestic) travel and hotel card these days? I only have a double cash and aren't really picky about which hotel chain I'm in. I do want to avoid annual fees.
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Apr 7, 2016 07:21
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Luigi Thirty posted:I do a lot of commuting and want to squeeze the most cash back I can out of my gas purchases. My Discover card is one of those ones with the revolving cash back categories so I only get 5% back on gas for three months out of the year, it's 0.25% otherwise. What should I be looking at for a credit card? I don't have a balance to transfer and I'm not interested in churning.
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Apr 18, 2016 06:19
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What actually qualifies as "travel" for the CSP card? Hotels? air/bus/train/uber tickets? What else?
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Apr 19, 2016 20:44
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Barry posted:Anything you'd think is associated with travel and then a bunch more. khysanth posted:All that and more. Camping, parks fees, etc. It's pretty exhaustive. wyoak posted:Parking lots/garages and meters do
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Apr 20, 2016 06:52
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CSP Purchases via paypal count as normal purchases, not as cash advances, right?
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Apr 30, 2016 23:36
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I just finished my $4k spend on the CSP. Is there a confirmation that gets sent that its going to be credited with the sign up bonus, or do I just trust that everything is good and put my spending back on the double cash card?
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Jun 14, 2016 02:56
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Virtue posted:But is it as sexy as the CSP?
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Aug 16, 2016 19:07
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Leon Trotsky 2012 posted:What is your spending like that you managed to hit the minimum spend with day to day usage? I want to get the CSP for the bonus, but I average about 600 bucks a month on the CC and don't want to try to manufacture spending by seeing how many times I can get a Visa gift card before Walmart bans my card. I guess I am just going to wait until I have a one-time large purchase, but there's nothing on the horizon for me. If (*if*) you can pay rent on a CC its great for hitting min spends.
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Aug 16, 2016 19:47
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Bentai posted:In theory if you use the entire $300 travel credit the annual fee is only $150, which is kind of reasonable. Also, since it looks like the travel credit is based on calendar year, you would end up getting $600 worth of credit before that fee comes due.
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Aug 22, 2016 22:03
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So his point on two year's worth of travel without paying the AF doesn't work.  Guess I wish I had more travel expenses coming up to take advantage of it. My CSP hits a year in April. Lots of time, but not *too* much travel planned. 150k points would be nice though....
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Aug 22, 2016 22:52
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Shadowhand00 posted:Geez, didn't even realize this:
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Aug 23, 2016 01:14
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gregday posted:You get an automatic statement credit for anything in their travel category.
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Aug 23, 2016 01:54
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How valueable are UR points for cruises? I've got 50k points from the CSP card and adding 100k from the CSR doesn't seem too outlandish. 150k points has to be pretty decent.
ilkhan fucked around with this message at 06:48 on Aug 31, 2016 |
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Aug 31, 2016 06:32
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skipdogg posted:I think a meaningful way to spend the points/rewards that works with your lifestyle is just as important as earning them which is why I don't have any airline cards at this point in my life.
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Sep 5, 2016 21:24
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CSR chat: How quick is the turnaround from application to card arrival?
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Nov 7, 2016 04:09
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Sweet. So I don't need to apply until I get an offer letter then. Thanks!
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Nov 7, 2016 05:11
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Sits on Pilster posted:Ended up deciding on the CSR as there is a >$1000 per year advantage for us versus the CSP as far as I can see. This is of course dependant on spending $4k in the first 90 days, after which we get points that can be redeemed for $1500 in plane tickets apparently. The plan is to exclusively use the CSR until we hit the threshold, then switch our grocery spend over to another card with a higher cash back percentage. The benefits of the CSR are very travel focused and the rewards are great for that (hello $300/year refunded for plane tickets) but the return on common purchases is only 1.5%, and that's only when you redeem points for travel.
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Nov 13, 2016 15:55
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Depends on how much effort you want to put in. The hard part of this is the CC fee. Even a 2% cashback is only a $6/mo "profit". Pick a couple high sign-up bonus cards and get the bonus points. Remember you are gonna be paying an AF to get the cards. Otherwise... just put it on a 2% CB card for the $6. Its probably not worth paying the fee to get miles, you're spending so much extra to get them that it negates their value in the first place. For a 2% card that credit rating should be fine to get a Citi double cash. 2%, no limit, no AF. I think everyone should have one as a no hassle 2% card.
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Nov 21, 2016 16:27
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If Chase does reduce the signup bonus on the CSR, how much notice are we likely to have before the new amount kicks in?
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Nov 24, 2016 02:59
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The UR points go poof if you don't have an UR card. Get the new card first.
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Nov 26, 2016 18:24
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asur posted:edit: I would just like to point out that if you can use the Sapphire Reserve travel credit in December then the card is absolutely worth getting. If you apply in early December you're likely to get 3 travel credits and then the 100,000 points on top of that. The points alone are easily worth the annual fee even if you just use them as a statement credit and then on top of that would be $900 in travel credit. I don't want to push something if you have other reasons to not get it, but from a churning perspective the Sapphire Reserve is absolutely ridiculous value.
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Nov 26, 2016 20:41
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TraderStav posted:1:1 to Southwest can be super cheap. They have 6.5K flights (each way) all the time. That beats delta which will be like 30-45k domestic round trip. If you're travelling alone that's 5-6 trips.
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Dec 2, 2016 08:11
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Does balance transferring away from a citi double cash get you the second 1%?
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Dec 10, 2016 07:54
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BEHOLD: MY CAPE posted:Yes, a balance transfer is the same thing as a credit card payment. Can confirm you receive the second 1% on a balance transfer credited to a citi double cash.
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Dec 11, 2016 19:57
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Star War Sex Parrot posted:I noticed that I had a couple small parking transactions (one or two bucks) count toward my travel credit. I wonder if my $800/year school parking pass will count. Not if it's coded as paid to the school. If it's a different merchant in their system... Maybe.
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Dec 21, 2016 03:38
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Can you just got back and forth between the csr and CSP, just get the new card and close the old one, repeat after 12 months?
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Dec 21, 2016 06:38
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THF13 posted:Chase Sapphire Reserve signup bonus is being reduced from 100k down to 50k as of January 12th, though the offer will apparently still be available if you apply inside a branch until March 12th.
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Jan 4, 2017 01:34
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I now a no-fee CC available option to pay my rent. What are the best options for signup bonuses? I should be easily be able to meet any not-insane spend requirements. Score up mid-upper 700s, and I already have a CSP (opened 4/2015 iirc). I see above discussion about changing it to a freedom card and grabbing a CSR, but that also has a $450 fee attached to it. Dunno if I travel enough to use the whole bonus amount, though the TSA thing would be nice for the rare occasion when I do.
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Jan 13, 2018 02:55
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If I have the travel credit available I'm going to use it, its just not something I would do as a routine thing. Roundtrip for two down to Vegas would be about as easy a way to burn that as any, and GF would love it.
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Jan 15, 2018 06:07
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You should still ignore the high rate. It's easy enough to apply for a balance transfer card to move it off if you need to.
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Feb 4, 2018 20:02
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