Credit Card Thread - Now with a Beginner's Guide to free travel/FAQ

Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.

  1. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    I think the best value comes from each various program and their sales, especially hotel points.
     
    Baseballman86 likes this.
  2. rezy

    rezy Member
    Donor
    Florida State SeminolesNew York YankeesLos Angeles ClippersNew York GiantsManchester United

    Ultimate rewards points can be converted into other rewards programs such as United, Air France, British airways, Hyatt, and Marriott if you want to go that route
     
    Sportfan likes this.
  3. VASooner

    VASooner Well-Known Member
    Donor
    Washington NationalsOklahoma City ThunderDallas CowboysOklahoma SoonersLiverpool

    Got our CSRs a week ago. Putting errrrthing on it. I am the excite.
     
    Sportfan likes this.
  4. Dukes

    Dukes flying ain't nothing just fallin' with style
    Donor TMB OG
    Baltimore OriolesWashington CapitalsTiger WoodsJames Madison Dukes

    Did you get a metal or plastic card?
     
  5. 49ers169

    49ers169 Administrator
    Staff Donor TMB OG
    Boston BruinsMichigan State SpartansBoston Red SoxSan Francisco 49'ers

    The 100,000 came through now to start planning next summers adventure.
     
    Louis Holth and rezy like this.
  6. VASooner

    VASooner Well-Known Member
    Donor
    Washington NationalsOklahoma City ThunderDallas CowboysOklahoma SoonersLiverpool

    It has some metal in it, but it's no different then my Sapphire Preferred card.
     
  7. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Finally bit the bullet with the Reserve.

    Spent the past weekend in Seattle where I paid over $70 in Uber fares and thought, that could've been reimbursed by the Reserve. Then I spent 50 minutes in airport security and thought to myself, it would be nice to get TSA Precheck and have that fee reimbursed.

    I applied and was approved with a limit of $18,200 today. High for me, but my buddy applied a few hours later and got a $26,000 limit. Seems like they're handing out high limits with this card, which makes sense obviously with it being a premium card.

    I immediately transferred over the 17,000 points I had from my Chase Freedom card so I could get 50% more. Nice boost. Since I already fly for free I'll most likely use all of these points on hotels.
     
  8. Volholic16

    Volholic16 Well-Known Member
    Donor
    Tennessee VolunteersAtlanta BravesNashville PredatorsGrateful Dead

    Spent some time there last week. Thought it was alright, but I don't think I've been in another lounge, so I don't have anything to compare it to. The bartender was making strong pours, so that was solid. It definitely beats sitting out with the masses unless you're looking for some Popeye's chicken.

    At IAH, the Priority Pass Lounge is co-branded with KLM. It was alright too and had similar food/snack offerings. Didn't get any booze though.
     
    Det. Frank Bullitt likes this.
  9. Big Apple Duck

    Big Apple Duck Craving a chimichanga
    Donor
    Oregon Ducks

    Are you sure that they "downgraded" your Delta Amex Platinum and didn't cancel it? I had the same call with them and at the very end I heard the word "cancel" and was like "wait what did you say?" Turns out I couldn't downgrade outside of the Delta co-brand family without "cancelling" my card.
     
  10. Nug

    Nug MexicanNug
    Donor
    Alabama Crimson TideSeattle MarinersAtlanta BravesNew Orleans Saints

    Fuck. Probably need to follow up
     
  11. Big Apple Duck

    Big Apple Duck Craving a chimichanga
    Donor
    Oregon Ducks

    I think it's nice to have points with different hotel chains because you can't always get everything in every city. e.g. there might be a good Hilton Hotel in Innsbruck but not Munich; if all of your eggs are in one basket, you're limited to where you can go on points. If you have a lot of Amex and Chase points, you can be pretty flexible by transferring them into travel partners.
     
  12. Big Apple Duck

    Big Apple Duck Craving a chimichanga
    Donor
    Oregon Ducks

    There's a no fee Hilton Honors card that you can downgrade into I think.
     
  13. dahldennsull

    dahldennsull Living in the best state
    Donor
    Oklahoma City ThunderCleveland BrownsOklahoma SoonersHouston Oilers

    On my CSR, I got my $450 fee, but I also have a $75 fee showing... did I miss something here?
     
  14. beist

    beist Hyperbolist
    Donor

    Similarly, I never seem to have enough hotel points to cover a week long stay at a resort, but having a few points with 2-3 different programs was money a couple years ago when I was going to a wedding every other weekend. Could always get a night or two in a low category property in whatever random town the wedding was in.
     
  15. beist

    beist Hyperbolist
    Donor

    That's what they charge to add an authorized user, so its probably that.
     
    dahldennsull likes this.
  16. VASooner

    VASooner Well-Known Member
    Donor
    Washington NationalsOklahoma City ThunderDallas CowboysOklahoma SoonersLiverpool

    Extra card?

    BTW, how long have you had the CSR? Fee hasn't hit me yet.
     
    dahldennsull likes this.
  17. dahldennsull

    dahldennsull Living in the best state
    Donor
    Oklahoma City ThunderCleveland BrownsOklahoma SoonersHouston Oilers

    well that sucks... wife didn't need one, missed that...
    just about a month
     
  18. Big Apple Duck

    Big Apple Duck Craving a chimichanga
    Donor
    Oregon Ducks

    How long does it take for points to post after a statement close? My bill was due yesterday and I paid in full in advance, but my points haven't posted. (not my signup bonus, just my normal points.)
     
  19. Big Apple Duck

    Big Apple Duck Craving a chimichanga
    Donor
    Oregon Ducks

    Shit man, shoulda had her signup for her own card independently.
     
  20. Joe Withabee

    Joe Withabee PS I have sifulus
    Donor
    Texas RangersDallas MavericksDallas CowboysChelseaTiger WoodsBarAndGrillFormula 1

    You get them when you receive your statement, so in a few days.
     
    Big Apple Duck likes this.
  21. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    So do most married couples who keep up with rewards cards do this? I always thought there were rules about only one signup bonus per household but I guess that's not the case?
     
  22. texasraider

    texasraider thanks
    Donor
    Texas RangersKansas City ChiefsDallas Mavericks altTexas Tech Red Raiders alt

    That's what we do
     
  23. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    No, thats not the case
     
  24. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Just so I know, do you plan to ask this every few weeks?
     
  25. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    1-2 more times at most.
     
    dcspartan likes this.
  26. BearlyHere

    BearlyHere Is this thing on?
    Donor
    Baylor BearsHouston AstrosHouston Oilers

    Just applied for the CSR and got approved :rain:

    [​IMG]
     
    EMAW FC, rezy, g8r and 3 others like this.
  27. ohhaithur

    ohhaithur e-Batman
    Donor

    Just got the Citi® / AAdvantage® Platinum Select® card with 50,000 sign up AAdvantage points.

    I put $3,000 in rent on my credit cards every three months and I feel like I might just get a new card every three months to do that. Any reasons why I shouldn't?
     
  28. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    5/24 rule
     
  29. ohhaithur

    ohhaithur e-Batman
    Donor

    every three months would mean 8 cards every 24 months, so I should be fine between all the companies I think. But good point
     
  30. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    Chase makes it new accounts total. Not just from them. GF missed out on the reserve because of the Amex Starwood offer
     
    ohhaithur likes this.
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    god dammit
     
  32. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Amex Platinum must be feeling the hurt from the CSR. I just got an email from them saying all flights will be worth 5X points moving forward.
     
  33. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati BengalsXavier MusketeersFC CincinnatiTottenham HotspurUnited States Men's National Soccer Team

    Just got my CSR points and have over 200,000 now :dennard:
     
  34. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Nice perk but unless you buy mostly flights it can't touch on all the 3x things that the CSR does.
     
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  35. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

  36. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Why does anyone care if their card is plastic?
     
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  37. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Considering the prevalence of the Preferred and now Reserve I feel like there's less, "omg your card is metal!?" now so I don't get it either.
     
    watson likes this.
  38. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    I got my card yesterday. I guess it's metal as it does say "Contains Metal DO NOT SHRED." However, it doesn't seem heavy at all.
     
  39. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I have no idea but there's a ton of people in here that are upset about it
     
    gordon bombay likes this.
  40. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    simply the novelty of having a metal card.

    edit: also my wallet's leather would conform to the raised plastic numbers, whereas the metal card does not include the raised 16 digits on the front.
     
    #1990 Det. Frank Bullitt, Oct 15, 2016
    Last edited: Oct 15, 2016
    dcspartan likes this.
  41. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    This may have already been discussed, but with the SPG and Marriott merger, i see you can now transfer points between the two. Anybody that currentlbhas one card planning to double up on welcome Bonus with the other card or do they have stuff in place to prevent that?

    Edit: nevermind, looks like they changed SPG welcome offer from points to 2 free nights.
     
  42. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    Just an FYI for anyone in similar situation.

    I got CSP in May, CSR in August. Now that my CSP is irrelevant, asked customer service rep what sort of product change options I had. Rep said I could change to no-fee CSP and move credit line to CSR.

    Asked about product change to Freedom Unlimited, rep said CSP was too fresh to get that benefit, suggested I call back one month before the CSP annual fee hits and I should be able to get the Freedom Unlimited.
     
    #1992 EMAW FC, Oct 19, 2016
    Last edited: Oct 19, 2016
    TAS likes this.
  43. VASooner

    VASooner Well-Known Member
    Donor
    Washington NationalsOklahoma City ThunderDallas CowboysOklahoma SoonersLiverpool

    That's what they told us as well. I have a Freedom card already, so I just got my wife a card.
     
  44. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    i already have the freedom as well. love that card

    want to use the freedom for 5% quarterly categories, CSR for dining/travel, and freedom unlimited for everything else to get the 1.5%

    xfer all of that UR to the CSR to get that 1.5x benefit on travel bookings.
     
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  45. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    This is good to hear. I got the Preferred somewhere around the same time as you and was thinking about going to the Reserve instead but wasn't sure what options I'd have with the Preferred
     
  46. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    Airbnb doing +20% bonus on gift card purchases (caution may be targeted offer). Maxes out at $50 usd.

    Probably a good idea if you're travelling soon and are trying to maximize your CSR travel credit.
     
    LeVar Burton likes this.
  47. beist

    beist Hyperbolist
    Donor

    Word to the wise: I just downgraded my Sapphire Preferred to the Freedom Unlimited and I received a pro-rated refund on last year's CSP annual fee. I wasn't expecting that. In other words, no reason to wait to downgrade your CSP.
     
    BB3 and watson like this.
  48. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    how long have you had your CSP? I've only had mine for 6 months, so I wasn't able to get Freedom Unlimited when I asked to product change
     
  49. beist

    beist Hyperbolist
    Donor

    Several years. I think I got it right when it came out.
     
  50. Doug

    Doug Skeptical Doug-o
    Donor
    LSU TigersNew Orleans PelicansNew Orleans SaintsLouisiana Ragin' CajunsPoker

    Spent my $4k last month, miles showing up and everything now - just got approved for one with my wife also. $3,000 in free travel combined - that's pretty awesome.
     
    rezy and Sportfan like this.