Credit Card Rewards Thread

[Yunyo]

Rumors of Chase increasing AF for the Reserve to $550 with delivery credits, still a great card.

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That... would not be good. In my situation I would definitely not make up the difference in delivery credits or lounges, I hardly use either because I travel domestically for work (not much time to go to a lounge during short domestic layovers) and the other is pointless because I prefer home cooking.

Raising the annual fee for something I would almost never use would be very depressing. I assume the best way to deal with this would be to cash out my points and cancel the card before my renewal month?

 

[Chan]

That... would not be good. In my situation I would definitely not make up the difference in delivery credits or lounges, I hardly use either because I travel domestically for work (not much time to go to a lounge during short domestic layovers) and the other is pointless because I prefer home cooking.

Raising the annual fee for something I would almost never use would be very depressing. I assume the best way to deal with this would be to cash out my points and cancel the card before my renewal month?

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Downgrade to Preferred or regular no annual fee Sapphire or any other Chase card with no AF before renewal.

It was inevitable that Chase increases the AF or reduces benefit to the Reserve, its just that good of a travel card.

 

[gdt]

I'm still keeping it, for sure. And maybe I can use those credits, dunno.

 

[Big Boss]

Can't decide if I'll go back to the amazon visa(2% cb on restaurants) when this Uber visa turns into a pumpkin or go for the capital one savor (3% cb)

 

[Chan]

Can't decide if I'll go back to the amazon visa(2% cb on restaurants) when this Uber visa turns into a pumpkin or go for the capital one savor (3% cb)

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If you don't have the Costco Citi Visa, get that.

 

[AZ Greg]

Got the Propel card to replace my Uber card. Liking it so far.

 

[TheSkullPrince]

I wonder if I can upgrade my oldest card (Capital One no perks) to a Savor One? I've gotten offers before to convert it to a Quicksilver but I never did. I should call them.

 

[Syriel]

I wonder if I can upgrade my oldest card (Capital One no perks) to a Savor One? I've gotten offers before to convert it to a Quicksilver but I never did. I should call them.

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Why? Sign up for new card get new card bonus. Free money.

 

[TheSkullPrince]

Why? Sign up for new card get new card bonus. Free money.

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I need something to replace the Uber Visa with.

My current lineup:
-Discover It
-Amazon Prime Visa
-Chase Freedom
-Citi DoubleCash

The Savor One (the no-fee version) is 3% dining and entertainment and 2% groceries (with a $150 cash bonus, unless upgrading disqualifies me from the bonus?).

 

[PelvisParsley]

I travel 2-3 times a year so lounge access alone makes up for the $100 increase.

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Have you noticed a decrease in the availability of lounge access? Maybe because I fly out of JFK, but they've significantly reduced the access hours for Priority Pass members and its practically filled to the brim at all times. No longer feels like much of a feature in that regard.

 

[Senator Toadstool]

Is there a card with 0 dollar fee and zero apt for at least a year for a balance transfer?

 

[GoldenEye 007]

Is there a card with 0 dollar fee and zero apt for at least a year for a balance transfer?

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Look at Citi. They usually have some solid options. Double Cash is at least 18 months, I believe.

 

[Senator Toadstool]

Look at Citi. They usually have some solid options. Double Cash is at least 18 months, I believe.

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I already have that card... damn it.

I don't really need to get another card I'd just like to save the 300-400 dollars because I have to pay for school things for a year or more.

 

[dallow_bg]

I need something to replace the Uber Visa with.

My current lineup:
-Discover It
-Amazon Prime Visa
-Chase Freedom
-Citi DoubleCash

The Savor One (the no-fee version) is 3% dining and entertainment and 2% groceries (with a $150 cash bonus, unless upgrading disqualifies me from the bonus?).

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Correct. No bonus if you just upgrade the card.

 

[TheSkullPrince]

Correct. No bonus if you just upgrade the card.

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Well that sucks. Guess I'll just apply for it directly then instead of upgrading.

 

[Zoe]

I already have that card... damn it.

I don't really need to get another card I'd just like to save the 300-400 dollars because I have to pay for school things for a year or more.

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American Express had a no fee transfer, not sure if it's still available though.

 

[Chan]

Have you noticed a decrease in the availability of lounge access? Maybe because I fly out of JFK, but they've significantly reduced the access hours for Priority Pass members and its practically filled to the brim at all times. No longer feels like much of a feature in that regard.

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it's really because there's too many Sapphire Reserve members. When I fly it's mainly international and the international lounges are mostly empty.

 

[Based0ne]

After doing what I needed to do to fix my credit and bringing my score up I went ahead and applied for the Chase Sapphire Preffered card. I got a $5000 limit and am very excited.

Best of all is that sweet offer they have right where if you spend $4000 in 3 months you get 60,000 points back which I'll easily hit. Are there any other ways to maximize your rewards with it?

 

[Chan]

After doing what I needed to do to fix my credit and bringing my score up I went ahead and applied for the Chase Sapphire Preffered card. I got a $5000 limit and am very excited.

Best of all is that sweet offer they have right where if you spend $4000 in 3 months you get 60,000 points back which I'll easily hit. Are there any other ways to maximize your rewards with it?

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Transferring points to travel partners when bonuses are around otherwise use the Chase portal to redeem at 1.25x for travel.

 

[Grimm Fandango]

Rumors of Chase increasing AF for the Reserve to $550 with delivery credits, still a great card.

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Late to the fun but this sounds awful and I would definitely consider a new card to replace it.

 

[neoak]

Late to the fun but this sounds awful and I would definitely consider a new card to replace it.

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That's the whole point of the $100 increase: get people off the card

 

[Chan]

That's the whole point of the $100 increase: get people off the card

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I rather them increase the AF than for them to reduce benefits. Still the best travel card out there if you do a good amount of traveling.

 

[Droidian]

Target sent me a birthday gift for having my target redcard which was for 5% off purchases in store/online. Isnt the card already giving me 5% off every purchase anyway? This doesn't make sense to me.

 

[tellNoel]

Target sent me a birthday gift for having my target redcard which was for 5% off purchases in store/online. Isnt the card already giving me 5% off every purchase anyway? This doesn't make sense to me.

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Yes lol
If it's an additional 5% that would be gnarly

 

[Droidian]

Yes lol
If it's an additional 5% that would be gnarly

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Geez, might as well say "happy birthday, we hope you use your card and miss a payment"
BS.

 

[DiceHands]

I have the Chase Freedom card. I have around an 800 dollar balance right now. I havent been using much, only for big purchases. Am I doing the rewards thing wrong? Is it based off number of transactions or total amount spent?

 

[Zoe]

Target sent me a birthday gift for having my target redcard which was for 5% off purchases in store/online. Isnt the card already giving me 5% off every purchase anyway? This doesn't make sense to me.

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It stacks

 

[Droidian]

I have the Chase Freedom card. I have around an 800 dollar balance right now. I havent been using much, only for big purchases. Am I doing the rewards thing wrong? Is it based off number of transactions or total amount spent?

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You get 1% on every dollar spent. I dont think it goes based on transactions.
They do cap on the 5% during the quarter offers.
I think you're doing fine.

 

[tellNoel]

I have the Chase Freedom card. I have around an 800 dollar balance right now. I havent been using much, only for big purchases. Am I doing the rewards thing wrong? Is it based off number of transactions or total amount spent?

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Doesn't that card have rotating 5% categories?
As long as you're spending on the specific categories every quarter, you're earning that percentage. Otherwise, you're earning 1% on all other transactions. If you don't have other cards than this is better than nothing so I would say you're doing it right

 

[Deleted member 4413]

Reading this thread and a couple links, this all is hella complicated. Mostly just because of too many options.

I've been using the standard CC my bank gave me when I opened an account 12 years ago. I have a MyBestBuy credit account for big purchases with zero interest and a PayPal credit account.

Is there something simple that has no annual fees and gives me cash back on most things and (this is what initially started making me look for a new card) extends the warranty on purchases like expensive electronics (TVs, etc)? Something that gives 0% interest on big purchases when I make them would also be great (that's why I use the best buy card, but that doesn't give me anything extra).

 

[tellNoel]

Reading this thread and a couple links, this all is hella complicated. Mostly just because of too many options.

I've been using the standard CC my bank gave me when I opened an account 12 years ago. I have a MyBestBuy credit account for big purchases with zero interest and a PayPal credit account.

Is there something simple that has no annual fees and gives me cash back on most things and (this is what initially started making me look for a new card) extends the warranty on purchases like expensive electronics (TVs, etc)? Something that gives 0% interest on big purchases when I make them would also be great (that's why I use the best buy card, but that doesn't give me anything extra).

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I can't think of any rewards cards that have 0% interest forever. Even the most simple ones such as the Freedom Unlimited, which gives you 1.5% cash back on all purchases, has an APR. Many cards have an introductory 0% APR but it lasts around 12-15 months, depending on the card.

 

[Syriel]

Reading this thread and a couple links, this all is hella complicated. Mostly just because of too many options.

I've been using the standard CC my bank gave me when I opened an account 12 years ago. I have a MyBestBuy credit account for big purchases with zero interest and a PayPal credit account.

Is there something simple that has no annual fees and gives me cash back on most things and (this is what initially started making me look for a new card) extends the warranty on purchases like expensive electronics (TVs, etc)? Something that gives 0% interest on big purchases when I make them would also be great (that's why I use the best buy card, but that doesn't give me anything extra).

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Citi Double Cash, PayPal MC, and Synchrony Bank card are all a flat 2% back if you want a no effort cash back card.

 

[neoak]

Reading this thread and a couple links, this all is hella complicated. Mostly just because of too many options.

I've been using the standard CC my bank gave me when I opened an account 12 years ago. I have a MyBestBuy credit account for big purchases with zero interest and a PayPal credit account.

Is there something simple that has no annual fees and gives me cash back on most things and (this is what initially started making me look for a new card) extends the warranty on purchases like expensive electronics (TVs, etc)? Something that gives 0% interest on big purchases when I make them would also be great (that's why I use the best buy card, but that doesn't give me anything extra).

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If you got a Costco close, get the Costco card. Annual Fee is the membership, and has solid returns for what is effectively a no fee card.

 

[faceless]

Dunno if this is targeted or not but just got an offer from Chase/Amazon for 2% back on all purchases until February 29th with the Amazon Visa.

 

[tellNoel]

Dunno if this is targeted or not but just got an offer from Chase/Amazon for 2% back on all purchases until February 29th with the Amazon Visa.

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Amazon trying to take over the holiday season even more than they already do

 

[Syriel]

Dunno if this is targeted or not but just got an offer from Chase/Amazon for 2% back on all purchases until February 29th with the Amazon Visa.

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Isn't that the standard offer since it is a branded card? With Prime that card gives 5% back at Amazon year round.

 

[dallow_bg]

Isn't that the standard offer since it is a branded card? With Prime that card gives 5% back at Amazon year round.

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I think he means all purchases outside of Amazon. It's only 2% for restaurants, gas, and pharmacies. 1% otherwise.

 

[tellNoel]

I think he means all purchases outside of Amazon. It's only 2% for restaurants, gas, and pharmacies. 1% otherwise.

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That's what I interpreted as well

 

[faceless]

Yep, 2% on all purchases.

Except the stuff already in a higher tier like Amazon, Whole Foods, etc...

 

[zulux21]

was just going through my AMEX offers and saw this (obviously YMMV)

I was looking for a different promotion (which I didn't have which was money back at office depo) but I will take that since I'm pretty sure I've maxed out my discover quarter now lol.

 

[Deleted member 4212]

Can I use ultimate rewards to buy an airplane ticket for someone else? I've always just redeemed points for cash on my Chase Freedom card but the 60,000 point bonus on the Sapphire Preferred would be great for flying a family member over to visit us.

 

[mm04]

Can I use ultimate rewards to buy an airplane ticket for someone else? I've always just redeemed points for cash on my Chase Freedom card but the 60,000 point bonus on the Sapphire Preferred would be great for flying a family member over to visit us.

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Yes. I've purchased tickets for family members with my points numerous times.

 

[Deleted member 9330]

Alright so I miiiiiiiiight be an idiot. I have the Amex Blue Cash Preferred with the $300 statement credit for spending $1000 within the first 90 days. That time frame is almost up, and I thought I'd get clever and buy one of those Visa cards. Well I just poured through the card terms (afterwards, of course) and it specifically calls out cards and other cash-equivalents as not valid for both that offer and rewards in general. I assume they get this information from the merchant in some way so they can disqualify it?

 

[Syriel]

Alright so I miiiiiiiiight be an idiot. I have the Amex Blue Cash Preferred with the $300 statement credit for spending $1000 within the first 90 days. That time frame is almost up, and I thought I'd get clever and buy one of those Visa cards. Well I just poured through the card terms (afterwards, of course) and it specifically calls out cards and other cash-equivalents as not valid for both that offer and rewards in general. I assume they get this information from the merchant in some way so they can disqualify it?

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Depends on how the merchants codes it.

 

[Yasuke]

Got an Apple Card on a whim over the holidays. It's only the third credit card I've ever opened (got a Chase joint some months back to help with a legal issue, and I've had an amazon store card for awhile).

As someone otherwise not all that versed in the realm of credit, it seems to be a pretty basic card. The daily cash back perk is nice if you're gonna use Apple Pay a lot, but other than that, it's more a convenience thing for me than anything.

Definitely think I'm gonna stop opening up lines of credit for a long time now though lol

 

[reKon]

I read somewhere that AMEX is removing extended warranty benefits after December 31, 2019. I think in general AMEX had the best policy for this...

 

[Chan]

Alright so I miiiiiiiiight be an idiot. I have the Amex Blue Cash Preferred with the $300 statement credit for spending $1000 within the first 90 days. That time frame is almost up, and I thought I'd get clever and buy one of those Visa cards. Well I just poured through the card terms (afterwards, of course) and it specifically calls out cards and other cash-equivalents as not valid for both that offer and rewards in general. I assume they get this information from the merchant in some way so they can disqualify it?

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AMEX heavily looks down upon people who buy gift cards or sends money to get SUB. They do actually look into what you're spending it on so PayPal/Venmo/etc out of the equation. Can you prepay your car insurance?

I read somewhere that AMEX is removing extended warranty benefits after December 31, 2019. I think in general AMEX had the best policy for this...

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They had the best policy because they extended it for 2 years after purchase and actually take care of you. It was a significant money loss so they're getting rid of it across the board I think.

 

[Deleted member 9330]

AMEX heavily looks down upon people who buy gift cards or sends money to get SUB. They do actually look into what you're spending it on so PayPal/Venmo/etc out of the equation. Can you prepay your car insurance?

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I just bought my girlfriend her Christmas present early. It's expensive and I'm still in the interest-free period of this card so I'm not bothered

 

[Zoe]

Just got an email for Amazon Prime triple rewards on electronics best sellers.

 

[henhowc]

Anyone have trouble getting Uber visa to credit their digital subs? Just realized my last two hbo now subs never resulted in credits. Guess I need to contact support or something.