DonaldFDraper said:

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Fortunately, it did NOT show up today. Actually makes me a little less peeved.

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Does any one have a referral link for the Chase Sapphire Preferred?

I'm looking to apply in the next week or so to get the 80k sign up bonus.

DonaldFDraper said:

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Does any one have a referral link for the Chase Sapphire Preferred?

I'm looking to apply in the next week or so to get the 80k sign up bonus.

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I got one that I can share with you... I'll edit this post to add once I get the link from my player 2.

Added link below. Deadline to apply for the 80k bonus is November 7.

https://www.referyourchasecard.com/6/B4IS03WQY4

Is a Hilton branded American Express a good deal with 100k points and no annual fee? Never really played the credit card game before. Don't have an AE. Have excellent credit. Deal is good till 11.30.20. No travel now but anticipate multiple big trips from June onwards.

ocag said:

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Is a Hilton branded American Express a good deal with 100k points and no annual fee? Never really played the credit card game before. Don't have an AE. Have excellent credit. Deal is good till 11.30.20. No travel now but anticipate multiple big trips from June onwards.

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That's one of the better bonuses I've seen with no annual fee. I think it's a no brained to sign up as long as you plan to use Hilton hotels for your trips.

As we're approach end of the year spending (property taxes, etc.), any one eyeing any good sign up bonuses?

I already have one, but the current AMEX Bonvoy Brilliant offer is pretty good:

https://www.cnbc.com/select/eligible-marriott-bonvoy-amex-cards-earn-up-to-125000-bonus-points/

Up to 125K points, Platinum status for a year, $300 annual credit, free night a year... hefty fee though.

The southwest bonus for signing up is pretty solid if a companion pass is something you'd want to earn.

I have one through 2021 but was thinking about those bonuses.

Almost forgot about this thread! After a 10 minute call, I got 50k amex points to keep my platinum card open another year - I called their retention line and complained about not being able to travel much this year. 50k bascically covers another AF on that one...

We have been doing some 500 cash back cards since COVID hit. I believe next card we may start to get into travel cards again tho.

Ag CPA said:

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I already have one, but the current AMEX Bonvoy Brilliant offer is pretty good:

https://www.cnbc.com/select/eligible-marriott-bonvoy-amex-cards-earn-up-to-125000-bonus-points/

Up to 125K points, Platinum status for a year, $300 annual credit, free night a year... hefty fee though.

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$450 with $300 credit and a free night is hefty? that is basically $0.
My wife has had one for a few years, it's always netted to zero. We stay at the gaylord rockies once a year for the free night.. that's about $250, plus the spend credit.

Don't think has been posted yet but hopefully it's still valid. Chase has been offering a retention credit for many Sapphire Reserve cardholders. Simply call in and ask if you're eligible. My brother and I both received a $150 statement credit, but somehow my mom was not eligible. Based on various sources, Chase is either offering $150, $250 or nothing. Not sure if there is any rhyme or reason to the amount.

Getting the Freedom Flex for the 5% grocery offer

anyone know if chase has a 'waiting period' required between canceling a card and reapplying for same one.

I signed up for Chase SW card in Nov 2018. I just canceled it a week or two ago after the yearly fee hit on 12/1 (which they refunded upon closing), is it too quick of a churn to reapply now?

I have $6k in medical bills that will get me most of the way to the 80k right away.

I have seen the best bet is typically at least a month. Would there be another level that would interest you more?

Bulldog73 said:

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I have seen the best bet is typically at least a month. Would there be another level that would interest you more?

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I'm noticing the 'fine' print on these offers
"This product is available to you if you do not have a current Southwest Rapid Rewards Credit Card and have not received a new Cardmember bonus for this card in the past 24 months"

I've always just thought of when I last signed up for the card and if 24 months have passed to be eligible again, but in actuality, it looks like it's when you receive the bonus. So while I signed up over 2 years ago, in Nov 2018, I received the sign up bonus for that in Jan 2019. So it has not been 2 years.

Am I evaluating that correctly?

Can I still sign up now (since offer expires first week of Feb), but just make sure I don't hit the bonus spend until Feb/mar?

Chase won't allow you to get the card if it's been less than two years since you got the bonus.

ok good to know. So it's not based on previous sign up date at all.. it's strictly when you get the bonus. Obviously the bonus comes either 1, 2 or 3 months after sign up date, but you get my drift.

Anyone switching strategies from Chase or Amex to something else? I'm going Capital One after we've tapped out all possibilities with Chase for quite a while. Between a few businesses we own, personal, etc.. we've netted nearly 1M Chase URs since 2016 (spent about half pre-CV), and added a kid to the equation, so no huge trip in sight until likely 2022.

I did the 100k Capital One last week and will hit the $20k spend pretty quick, then I'll start going down the same road for business cards, and probably get my wife a personal (though not 100k bonus) card too.

I know this thread is more about points, but heads up on Hyatt status since it requires getting the world of Hyatt card

I applied and was denied. Called and got approved. They initially denied by my balances were too high. Stupid reason since I've got years of history showing the cards are all paid off in full each month.

https://thepointsguy.com/news/hyatt-globalist-status-shortcut/

LGAggie said:

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I know this thread is more about points, but heads up on Hyatt status since it requires getting the world of Hyatt card

I applied and was denied. Called and got approved. They initially denied by my balances were too high. Stupid reason since I've got years of history showing the cards are all paid off in full each month.

https://thepointsguy.com/news/hyatt-globalist-status-shortcut/

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I know it's unlikely since they eventually approved you, but you might want to check for fraud. Some ahole just opened a whole bunch of cards in my name and was somehow able to start spending on a few of them before they even arrived at my house to be activated.

LGAggie said:

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I know this thread is more about points, but heads up on Hyatt status since it requires getting the world of Hyatt card

I applied and was denied. Called and got approved. They initially denied by my balances were too high. Stupid reason since I've got years of history showing the cards are all paid off in full each month.

https://thepointsguy.com/news/hyatt-globalist-status-shortcut/

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just because you pay off in full every month doesn't mean you might not be hurting your credit by having high balance to limit ratio.

Check this and make sure you aren't getting up above say 40-50% of credit limit. I don't know the magic number, maybe someone else does. But definitely if it's 70-80% or more, that ain't good, even if you are paying it off every month.

Personally, I don't go above like 10-20%. Pay it off more often if you have too. Most cards I get have a plenty high enough limit that I don't have to worry about it.

Thanks for the heads up. I don't think that was the issue with approval. Total % of credit never gets over 20%. Good reminder though. It's not something I was tracking. Just a function of the credit they gave me and typical spends.

third coast.. said:

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Whats the thoughts on closing past credit cards? We dont churn, but have a number of cards that we simply do not use anymore and IMO it would just be less to keep up with and worry about to close them out. I think that would be probably 3 that we could get away from.

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Keep your oldest accounts, for account history which is good for credit.

For bonuses, the chase ink cards are hard to beat, as long as you can meet the spend.

For ongoing points, you just have to look at the reward categories on each card. Match the card with where you spend heaviest.

LGAggie said:

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For bonuses, the chase ink cards are hard to beat, as long as you can meet the spend.

For ongoing points, you just have to look at the reward categories on each card. Match the card with where you spend heaviest.

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Are these still as hard to get as they were back in early 2020?

My wife's sole proprietorship application was approved, but they requested registration paperwork.

2021, Day 1:

Referral to wife for 20k bonvoy pts to my account... approved for the biz card successfully in her name. 100k bonus with $5k spend. Comes with Platinum elite staus for 2021, which is nice. Beats the Gold I have via AMEX platinum

Here's a weird question for bonvoy cards.

You can't have received a sign up bonus in 24 months on any bonvoy card and be eligible for another. Like, if you got the visa boundless card 22 months ago, you're not eligible for the Amex bonvoy welcome bonus.

I had the old Marriott Visa and product transferred into the boundless card about a year ago. They kept offering incentives and I finally took them up on it. I think it was a free night or maybe ~50k points.

Anyone have any idea if I'd be eligible for the Amex?

I had around 15k in Property Taxes due in December/January. Here is what I ended up doing:

- 80k Sapphire Preferred bonus / $4k spend
- 75k Ink Unlimited bonus / $7500 spend
- 60k Amex Gold + 20% Back on restaurants for 12 months (up to $250, which offsets the annual fee) / $4k spend

The Amex Gold offer is available through Resy. Doctor of Credit has an article on it. There is also a $10 monthly Uber credit and $10 food services credit (Shake shack, Seamless, GrubHub, etc.) to get value out of for a year.

I cashed out a bunch of UR points during the 1.5x statement promo so good to rebuild our Chase point balance.

I struggle up get much value out of the Amex points beyond Delta international and BA short haul flights. We aren't flying much right now but when we do , the SW Companion Pass usually beats any other award flight options.

We have a wedding at an All Inclusive in Mexico in May. I'm going to basically empty out our Amex points balance to book the resort via Delta Vacations. The actual dollars price is about equal to booking direct and it allows me to get $.01/point.

Annoying Amex doesn't at least match the $.01/point statement redemption for their Platinum card that Chase offers on all of their cards.

No, unfortunately not eligible for Amex now.

LGAggie said:

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Here's a weird question for bonvoy cards.

You can't have received a sign up bonus in 24 months on any bonvoy card and be eligible for another. Like, if you got the visa boundless card 22 months ago, you're not eligible for the Amex bonvoy welcome bonus.

I had the old Marriott Visa and product transferred into the boundless card about a year ago. They kept offering incentives and I finally took them up on it. I think it was a free night or maybe ~50k points.

Anyone have any idea if I'd be eligible for the Amex?

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Any bonus you take restarts the clock. I did the same thing about two years ago, it was an 80k bonus offer to switch to boundless card.

companion pass offered again

https://creditcards.chase.com/a1/southwest/AEPCP30kPlusF21?CELL=6QZG