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. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    I’m flying standby out of LHR next month and they’re nailing me.
     
    BellottiBold likes this.
  2. COVIDiskilingme79

    COVIDiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    At least there's hardly anyone listed on flights out of there.
     
    DuffandMuff likes this.
  3. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    reminder for amex plat folks if you aren't getting your $240 a year for digital subscriptions you aren't trying

    disney/hulu no ads combo thing is a no brainer for i imagine most the board. before even getting into siriusxm and NYT
     
    beist and Menelaus like this.
  4. beist

    beist Hyperbolist
    Donor

    Pending a response from my brother, I may be in the market for an Amex plat referral code very soon.
     
    Whammy likes this.
  5. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    my referrals are only 80k, you should be able to beat that with someone elses or even just applying straight
     
    BellottiBold and beist like this.
  6. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Just got the referral bonus. I appreciate it!
     
  7. beist

    beist Hyperbolist
    Donor

    Yeah looking for the 150k variety. Is that not universal?
     
  8. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    nope
     
  9. laxjoe

    laxjoe Well-Known Member
    Donor
    San Diego State AztecsSan Diego Padres

    Yeah mines only For 80k right now
     
  10. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    Hulu and PeacockTV = $5/mo after credit
     
  11. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    my business partners was approved. Let me know if you didn’t get the bonus.
     
    EagleDuck likes this.
  12. EagleDuck

    EagleDuck Well-Known Member
    Donor TMB OG
    Oregon DucksSeattle MarinersPortland Trail BlazersSeattle Seahawks

    Not showing yet but I’ll watch for it.
     
  13. Goose

    Goose Hi
    Donor
    Ohio State BuckeyesCincinnati BearcatsCincinnati RedsCincinnati BengalsReal MadridXavier MusketeersDayton FlyersTiger WoodsFC Cincinnati

    I pretty much only put big purchases and bills on my credit card and it's always bothered me that I'm losing out on points but I just like using my debit card.

    I'm sure this is old news to the thread but Amex apparently has a checking account now that gives rewards. Only catch is it's 1 point for every $2 you spend but I figured why not if I wasn't getting that anyways.

    This is my first time using an online only bank. Any drawbacks I'm missing outside of not being able to make change at a bank, which I almost never do?
     
  14. C A N E

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

    Getting summer started at the Waldorf tomorrow in Orlando. Thanks Hilton free night certs.
     
  15. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    How do I apply the credit?
     
  16. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Go to benefits and activate the digital entertainment credit then just charge things that fit the rules to that card
     
  17. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    this area?
    upload_2023-2-23_8-13-54.png
     
    Lyrtch likes this.
  18. racer

    racer Yuma, where I work in software.
    Donor
    Iowa HawkeyesKansas City ChiefsLas Vegas Golden KnightsWatfordOlympicsFormula 1

    It’s under membership, rather than offers.
     
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  19. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    rewards and benefits at top, then benefits, and scroll down to make sure it's enrolled
     
  20. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    fuck my life i've had these subscriptions on the card for months and didnt have the benefit turned on. i had to log in using my wife's account to be able to enable. thanks boss.
     
  21. comrade static

    comrade static i love french fries
    Donor
    Oklahoma City ThunderPhiladelphia EaglesOklahoma SoonersBarAndGrillBig 8 Conference

    How long does the flight credit take to post to your account, if it is accepted?

    I used my platinum and Hilton aspire to buy a gift card with American and southwest through their website on my phone.

    Both statements have closed, yet no credit. :crossedarms:
     
  22. bRamonceTaylor

    bRamonceTaylor Well-Known Member
    Donor

    I've had it take a week or two before, but it was for Delta. I don't know how the platinum and aspire work for AA/SW GCs, so may be different.
     
  23. Det. Frank Bullitt

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

    YMMV

    Day 0: charge is pending
    Day 2: charge posts
    Day 5: the effect of the credit is visible under "benefits received" tracker or w/e its called. E.g $200 out of $200 used.
    Day 7: credit actually posts.
     
  24. ryno23

    ryno23 Well-Known Member
    Donor

    Need a new non-branded card. Currently have Sapphire Preferred and a cap one I have had forever. Also have Hilton and delta amex and a United card. Planning to dump the 2 airlines cards soon. Amex has blocked my previous submissions (last fall) I am assuming to canceling another card. Typically spend about 4k or so a month on a card.
     
  25. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    Downgraded my Chase Sapphire Reserve. Was a good run with Chase.
     
    tjsblue likes this.
  26. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    Are you 5/24 because if not, it’s a long road.
     
  27. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    Meant mainly with CSR. Might get another or a CSP. Hotel cards have nearly no benefit for me. All I want is delta points and airbnb credits
     
    Whammy and The_Baumer like this.
  28. BellottiBold

    Donor
    Oregon Ducks

    Fresh back from Centurion SEA...
    It's nice but really not as big as it could be IMO. Random Tues afternoon and it still seemed like they could easily benefit from 25 more seats... Along those lines what I've noticed more and more is that while I appreciate the design efforts, they seem to like these small, more intimate seating areas, which makes things feel cramped to me. The bar area has no roof of its own, so the effect is soaring ceiling (thanks to the atrium that the lounge is positioned in) and that's cool! But then there's just cafeteria style seating filling that space up - and that's the only space in the place that feels airy and open, which to me is a bummer. Good amenities, for sure, but I'm still going to be drawn to AS' N lounge just as much due to the size and perceived spaciousness, as long as it's not packed to the gills. Food may be more interesting at Centurion (if they keep up with the chef's menu) but it really isn't *that* much better... AMEX beverage game surely blows everyone else out of the water of course.
     
    DuffandMuff and Menelaus like this.
  29. wolfpck

    wolfpck haters gonna hate
    Donor
    North Carolina State Wolfpack

    Currently in the market for a new credit card. I currently have the CSR, Southwest premier, Delta Amex Gold, and Chase Business Preferred. CSR and Chase Business are the 2 I actually use and then SW card I got for the companion pass and Delta card I've kept open for forever just to not mess with my credit because I buy single family real estate some what frequently.

    #1 priority is travel perks, mainly flights. From reading online I think I want to downgrade the CSR to either CSP or Chase Freedom. Then I believe my best option would be Amex Platinum using a referral sign up for 150k points. Anyone have a referral for that? Any other options I should consider? I read all these different articles on this stuff and it ends up confusing me after a while.
     
  30. EagleDuck

    EagleDuck Well-Known Member
    Donor TMB OG
    Oregon DucksSeattle MarinersPortland Trail BlazersSeattle Seahawks

    Here is a 150k offer:

    https://americanexpress.com/en-us/referral/DAMONCbUuS?XL=MIMCP
     
  31. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Wife just got a new job as an MSL. She'll be traveling a decent amount it appears. She will be able to book her hotels, gas, food, etc herself and get reimbursed. The company will do all of her flight bookings however so don't think she will be able to take advantage of that part. She currently has an AMEX Platinum already. What would y'all recommend for this use? Plan is for her to just use this card for business only that way it's easy to keep up with reimbursement.
     
  32. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Is she planning on going for status with a particular hotel chain? Getting a card with them and putting all stays on that would gain big points quickly.

    Amex Gold has a 90k sign up bonus now. Their 4x at restaurants is great. Would also be able to combine points with the Platinum. Most of the case $0 annual fee cards will do 3% back restaurants.

    I’m trying to think what is best combination of gas/restaurants. Most cards don’t give you great return on hotels unless you book through their portal. And then you don’t gain status/points through that loyalty program.
     
  33. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Yeah idk. This is brand new for her/us. She's never had a job where she traveled before but there will be a decent amount of travel. I wish there were someway we could benefit from the flight booking also but idk that it's an option since the company books the flights. She'll be traveling around SC, NC, GA, AL. Where exactly idk yet. Just trying to think ahead and get something that will give us a good return. In all likelihood. yes she will probably try and use the same hotel chain so long as they're an option these places.
     
  34. Tommy Callahan

    Tommy Callahan Well-Known Member
    Donor TMB OG
    Alabama Crimson TideAtlanta Braves

    Platinum starts her with gold status for both Hilton and Marriott. I’d also try and pick an airline to stick with. Platinum gets you in sky clubs although the crowding has been already talked about. Not sure where y’all are based but that probably has an impact as well. Then add gold for food and ready to go. Gas is pretty meh now unfortunately
     
  35. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    I think he mentioned her already having a platinum and wanting to keep all these work expenses on a separate card.
     
  36. BellottiBold

    Donor
    Oregon Ducks

    when flying delta
     
  37. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    I mean just wanting to get the best return and if there's a card out there with a nice bonus we/she can work towards too. Idk I haven't kept up very well. The last cards we got were last year when I got a Capital One Venture X and she got the AMEX Platinum. We're in Greenville, SC so nearest large airports are Charlotte (1.5 hours away) and Atlanta (3 hours away).
     
  38. bigjrock

    bigjrock Pillsbury Geauxboy
    Donor
    LSU TigersNew Orleans PelicansNew Orleans Saints

    Let me know if you want a a 90k referral on the Amex Gold. 4x on Restaurants on Groceries, which I use the hell out of. It's got a $250 annual fee, but you get $10 monthly Uber/Uber Eats Credit plus another $10 that's good at a few other places (Shake Shack and I forget what else). I always use the Uber Eats one but rarely the other.

    I've already had several referrals from here so I'll give someone else a chance to leave a link if they have the 90k offer, as well.
     
  39. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    $10 on wine.com or something if you do their subscription.

    I've thought about that
     
  40. Whammy

    Whammy Donde es
    Donor
    Alabama Crimson TideVanderbilt CommodoresNew Orleans SaintsChicago BlackhawksAtlanta United

    Only have the 60k for that one
     
  41. skeezy

    skeezy what is this? meowschwitz?
    Donor TMB OG
    AvengersFormula 1

    Anyone have experience with delta am ex cards? Looking for one with centurion lounge access
     
  42. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    delta reserve is your card then
     
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  43. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    skeezy likes this.
  44. Lip

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

    Amex platinum will get you centurion access too. Any reason why you want the delta card?
     
  45. Volholic16

    Volholic16 Well-Known Member
    Donor
    Tennessee VolunteersAtlanta BravesNashville PredatorsGrateful Dead

    Wife and I are contemplating a pretty sizable and somewhat costly patio/retaining wall installation to make our backyard a little more functional. We've got the cash but still would prefer to spread it out some, if at all possible. Is my best bet contacting one of my existing card providers to see if they can give me a 0% deal for some period? Or find a new card with some promo? I carry a Chase Freedom Unlimited, Chase Sapphire Reserve (have been considering downgrading to the Preferred), Discover (my oldest card), and a Citi card that I barely use. Haven't opened a new card since I got the Reserve 5-6 years ago.
     
  46. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    You should both open the Chase business 0% cards. They’re offering 90,000 point signup bonus. We had a similar situation with about $6k of plumbing work needing to be done and used those to at least get some points out of it. Putting a new fence in next month and going to do it again.
     
    bigjrock, The_Baumer and C A N E like this.
  47. C A N E

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

    Chase ink cards and signing up as a Sole Proprietor imo.
     
    #15098 C A N E, Mar 6, 2023
    Last edited: Mar 6, 2023
    The_Baumer likes this.
  48. bRamonceTaylor

    bRamonceTaylor Well-Known Member
    Donor

    I think I'm about to start churning the Ink cards with a lot of big expenses coming. I take it the move right now would be to get this 90k offer since it's expiring in a couple weeks and then go back to the Ink Preferred? Is self referring a thing if I have the Chase Ink Unlimited?
     
  49. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    Yeah I was going to share my link but they all seem to be for less than signing up just through the website