Credit Card Churning

140,809 Views | 768 Replies | Last: 1 mo ago by gvine07
Bulldog73
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Yes, you can book her flight with your points, just make sure that she's the passenger (with RR# attached) on the reservation. Then log into her account and add the companion.
62strat
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Good to know. So basically there is no need to pay the fees to transfer points from my acct to hers if she's flying with her companion without me, but I have the necessary points to book it.
Bulldog73
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Exactly. I wish I'd done the research in January before transferring over a ton of Ultimate Rewards.
JMac03
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One thing to note - BA charges for seat selection more than 24-48 hours in advance, even in 1st class.
FiTxAg04
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Thanks for the advice; I'll look into BA.
FiTxAg04
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Well, I signed up for a BA account and searched for random domestic flights via their spend your avios tab and had no problem finding AA flights throughout the US, at good miles prices. This is awesome! Thanks again for the suggestion.
JMac03
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Thanks to "FW" for the Marriott referral, I signed up with it this morning.

Next I will figure out what Chase I want for my business to replace my DIsney - Sapphire, Ink, etc, and will see if anyone has referrals for those. (do not want one with $450/year fee)
62strat
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JMac03 said:

Thanks to "FW" for the Marriott referral, I signed up with it this morning.

Next I will figure out what Chase I want for my business to replace my DIsney - Sapphire, Ink, etc, and will see if anyone has referrals for those. (do not want one with $450/year fee)
Did that referral give you a bonus?

I have an email in my inbox right asking me to refer friends, it says they get 3 free nights.. no point bonus. However my united referral gives my 'friend' the same sign up bonus as if they did it on their own.

Copied from email: (it's for a chase bonvoy)
Here's How It Works
You can earn up to 100,000 bonus points
each calendar year. That's 20,000 bonus points for each friend who gets the card.*asterisk
Your friend will earn 3 Free Night Awards
after they spend $3,000 in the first three months their account is open.
To start referring, please click the Invite Friends Now links within this email.


Depending on the cap of those 3 free nights, that may not be a great deal (it doesn't say).

62strat
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JMac03 said:

Thanks to "FW" for the Marriott referral, I signed up with it this morning.

Next I will figure out what Chase I want for my business to replace my DIsney - Sapphire, Ink, etc, and will see if anyone has referrals for those. (do not want one with $450/year fee)
I have a united chase referral if interested.
Earn 40,000 bonus miles with United Explorer Card. I can be rewarded too if you apply here and are approved for the card. Learn more.

https://www.referyourchasecard.com/217/EBX6SFV60Q


'Your friend will earn
40,000 bonus miles after they spend $2,000 in the first three
months their account is open.'



JMac03
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62strat said:

JMac03 said:

Thanks to "FW" for the Marriott referral, I signed up with it this morning.

Next I will figure out what Chase I want for my business to replace my DIsney - Sapphire, Ink, etc, and will see if anyone has referrals for those. (do not want one with $450/year fee)
Did that referral give you a bonus?

I have an email in my inbox right asking me to refer friends, it says they get 3 free nights.. no point bonus. However my united referral gives my 'friend' the same sign up bonus as if they did it on their own.

Copied from email: (it's for a chase bonvoy)
Here's How It Works
You can earn up to 100,000 bonus points
each calendar year. That's 20,000 bonus points for each friend who gets the card.*asterisk
Your friend will earn 3 Free Night Awards
after they spend $3,000 in the first three months their account is open.
To start referring, please click the Invite Friends Now links within this email.


Depending on the cap of those 3 free nights, that may not be a great deal (it doesn't say).


I don't think so but it was the Amex. Normally $125 first year and then $95 annually. The $125 was waived first year and 100k points. One free night annually.
JMac03
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Thanks. It will probably be early Fall before I do United again I need to stagger as otherwise I won't be able to get the $5k every 3 months in charges. I'll do the Chase Ink or Sapphire in 2-3 mo this once I get my $5k on the new Amex Marriott I have coming.
Cyprian
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FiTxAg04 said:

Well, I signed up for a BA account and searched for random domestic flights via their spend your avios tab and had no problem finding AA flights throughout the US, at good miles prices. This is awesome! Thanks again for the suggestion.

Np

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Yeah, well, you know, that's just like, uh, your opinion, man.
jbeaman88
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Anybody have a good spreadsheet already built for tracking your churning you would be willing to share with a newbie?
62strat
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I don't know You need a special spreadsheet for this.
2 columns; card and sign up date.
The Anchor
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Mine also includes a points/miles column and a fee column.
jbeaman88
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Found a good LINK with one person's idea of a tracking spreadsheet, including an explanation for why each of the parameters are tracked. Think I'll download it to hopefully improve my decision making as I open more cards and the complexity increases.
Cyprian
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I have a spreadsheet, but it is super simple. I use it to track when a card's AF is coming up next, and to predict how many points and miles I'll have by when.

FYI - There's a popular flowchart on reddit /r/churning that is an excellent guide for recommending what cards to get next.

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Yeah, well, you know, that's just like, uh, your opinion, man.
62strat
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Anyone ever have trouble setting up a child as companion pass online?

I filled out info - it requires email and phone, so I put in the same as account holder, and it's giving me an error and says to call.

What did you put for email/phone?

Edit:
Hmm.. even though it gave me an error, I logged out and back in and it has childs name as companion.
Now that I'm adding to an existing reservation, I see he has his own RR number now.. I wonder if that was it. I'm assuming a companion has to have one.
agdoc84
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I'm looking for a card with a lot of points, no fees. We like Marriot, southwest and united. Any suggestions ?anyone offering 100,000 points still.
thanks
The Anchor
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https://thepointsguy.com/cards/
62strat
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agdoc84 said:

I'm looking for a card with a lot of points, no fees. We like Marriot, southwest and united. Any suggestions ?anyone offering 100,000 points still.
thanks
All those cards have fees.

Don't worry about the fees; the benefits far out weight them.

For instance, United or Marriott both reimburse for global entry or TSA precheck.. both negating the yearly fee with that benefit alone.

Here are referral links if you wish to sign up. You get deal specified, and I get a bonus as well.

Marriott:
https://www.referyourchasecard.com/252a/HXTSEQWQ2A
You get 3 free nights worth of points. (worth approx 100k points) after $3k spend in 3 months

United
https://www.referyourchasecard.com/217/WTEEMA8Q2T
You get 40k points after $2k spend in 3 months.

Southwest
https://www.referyourchasecard.com/224/Z8V4OH24FR
You get 40k points after $1k spend in 3 months.
62strat
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Anyone have a southwest chase business referral? I'm going to sign up today/tomorrow.
Bulldog73
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I couldn't find a referral link for mine. Maybe it's out there somewhere, but it didn't look like you could be referred to that particular business card.
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62strat
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Do those points count towards CP? If I get the 60k from chase SW biz, I immediately get CP, since I already have 60k points this year from personal card (the 40/20 card)
Bulldog73
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No, transferred points do not count towards CP. You'll have to get them through the business card.
JMac03
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I have someone who is looking for a Southwest CC referral. I do not want to post her email here, but if you want to email me, my email is in my profile. She mentioned something about the regular 50k sign-on bonus but something about a 10k bonus if referred.

Edited - got one thanks
Smokin Chisel
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Considering opening a business cc and personal cc in order to get the SW companion pass. Is that still something that can be done? Do I need to wait until January to get a whole year for the companion pass? As you can tell I am not sure how this works.
jaggiemaggie
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Everyone says the best time to open the cards is November. It all depends on How quickly you can reach the spending requirement to get the bonus points.

For me, I had the personal card since 2011. And it was spontaneous that I decided to try to get companion pass. I knew a iAd a lot of work expenses coming up so I figured why not... I opened the business card in Early March and when I got the card in the mail, I cancelled my personal card. I quickly reached the $2k- or $3k requirement on the business card because I Of work travel I reached the spending after 2 weeks but it still took another 2 weeks for billing cycle to close and another 4 weeks to get my 60k points After 30 days of cancelling my personal card, I applied for another one while I was flying to Flying to get the 50k bonus points. I recommend applying at least 33 days after just in case. Again was able to reach the spending requirement as I had a couple of last minute business travels 2 weeks in a row. Again it took about 4 weeks each for me to get the 50k bonus points into my rR account after the billing cycle closed

But I also knew that my wife and I couldn't really take advantage of the companion pass until this summer so it wasn't as critical for me.


Next time, depending on my employment situation, I will probably try to time it such that I have my wife apply for the first card in late November/early December 2020 and the second one in late January or early February 2021. Then she can either have me or my oldest as her companion pass for 2021 and 2022



I'd be happy to send you a referral email if you are interested. My email my username at gmail
jaggiemaggie
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Southwest Personal CC is doing another 60k RR points after spending $2k in 3 months.


Bulldog73
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Barclays Arrival application is expected to go off line today. They have a 70,000 point sign up right now. You get 2 points/dollar and redeem at $.01 each point for travel charges.
62strat
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jaggiemaggie said:

I reached the spending after 2 weeks but it still took another 2 weeks for billing cycle to close and another 4 weeks to get my 60k points
This was not my experience at all. When I hit the min. spend on any card (united, marriott, SW, frontier), when that cycle closes, those sign up bonus points go immediately to my reward account, and not 4 weeks later.

Anyone signing up, I'd be careful with this. I would NOT hit your min. spend during a cycle that closes in December. ONLY hit the min. spend during a cycle that closes in Jan. One thing is for sure, Chase does not award the points until the cycle is over. This is to account for returns and such, as your min. spend has to met with be 'net' spending.

Maybe Business card is slower? I don't know, but on chase statements there is a point summary at the top, and on all of mine, for the cycle when I hit that spend, it always shows the 40k,50k,etc points. So Chase certainly sends the bonus points at cycle end. And to repeat, for all my loyalty accounts, they have shown up the next day, not 4 weeks later.
pocketrockets06
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62strat said:

jaggiemaggie said:

I reached the spending after 2 weeks but it still took another 2 weeks for billing cycle to close and another 4 weeks to get my 60k points


Anyone signing up, I'd be careful with this. I would NOT hit your min. spend during a cycle that closes in December. ONLY hit the min. spend during a cycle that closes in Jan. One thing is for sure, Chase does not award the points until the cycle is over. This is to account for returns and such, as your min. spend has to met with be 'net' spending.




This isn't totally correct. Chase does not require net spending to exceed the spend requirement to post the bonus but can claw back a bonus if your net spending never exceeds the min spend requirement. There are numerous people who blew their chance at a companion pass because their sign up bonus posted even though net spend was not enough because Chase didn't count the returns for the initial bonus posting.
62strat
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My point was chase doesn't give bonus until cycle closes. They won't give it if you hit min spend 1 week into a new cycle. Disregard my net spend talk, that wasn't the focus of my post.
LeftyAg89
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Has anyone taken advantage of the Wells Fargo business card (VISA)?

They have a $500 cash bonus for spending $3000 in the first 3 months, no annual fee.

Anyone know if it has to be "business"-related expenses? Or can it be anything?

I emailed WF and they replied just now and it was a pretty vague answer.
 
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