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. ned's head

    ned's head Well-Known Member

    I already had a discover card, so I converted my chase to freedom and will just use whichever card has an active 5% category. I just don't travel enough to use the sapphire benefits.
     
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  2. tjosu

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

    Don't they send you an envelope for you to return the metal card to them to be destroyed?
     
    beist likes this.
  3. ned's head

    ned's head Well-Known Member

    I didn't see one, but I'm also very manly and do not read directions
     
  4. NoNatty

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

    I have a chase sapphire preferred that I got about 10 months ago. Water under the bridge now, but I screwed up the double dip at the time.

    I now have 160 UR points and about to get another ink preferred. Doing the math, it’s like a $600 difference on the redemption rate between a CSP/Ink and a CSR. I’m obviously not eligible for a bonus on the CSR but can I upgrade my CSP without the CSR being a new card (and adding to 5/24)?
     
  5. ohhaithur

    ohhaithur e-Batman
    Donor

    Yes in two months
     
    NoNatty likes this.
  6. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Keep in mind that if you are transferring any portion of those UR points to one of the travel partners (Hyatt, SW, United, etc) there is no difference between the CSR and CSP.
     
  7. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati BengalsTottenhamXavier MusketeersUnited States Men's National Soccer TeamFC Cincinnati

    When you get a second ink preferred is there a way to connect it to your existing online account? Or do you have to create another online account and again transfer to your existing cards? Basically what is the easiest way to get the 80k from the second ink to my reserve account?
     
    laxjoe likes this.
  8. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    You can call customer service and get it added to your existing login.
     
  9. C A N E

    C A N E Well-Known Member
    Donor
    Miami HurricanesMiami Heat

    Another AA card incoming.

    65k offer is nice.
     
    pratyk likes this.
  10. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati BengalsTottenhamXavier MusketeersUnited States Men's National Soccer TeamFC Cincinnati

    I got the citi AA card and hit the sign up bonus before I even got my Delta Amex card. Delta already posted my sign up points while I was told it would be another 1-2 cycles before the AA points come in. They are seriously the worst. The last two flights I've done on American both times my first leg was cancelled causing me to lose a day on my vacations. Even though the citi AA cards are free money I'm not sure it's worth it to deal with that horrible airline.
     
  11. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Hey gents, I need a bit of advice on what card to get. So pretty much, I need a hotel card that we can rack up points on and get free rooms.

    My situation: I fly for free worldwide (int'l trips I just have to pay the tax leaving a country. It's usually $15-180 total.) It's by far the best perk of any job ever. I've been flying a shit ton lately and spending way too much on hotels. If I could get my hotel costs down, that would be amazing. Planning to do two European trips this summer as well as more Caribbean trips and just weekend trips. We never rent a car so I need a chain that has hotels in common touristy areas and lots of options.

    When I was keeping up on this thread a while back, it seemed like the Hyatt card was the go-to but it seems like they don't have as many hotels as say, Hilton. Any advice would be appreciated.
     
  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    Hyatt basically pays for itself if you can use the free night each year, has a $95 AF which is tiny. Which you should be able to in most major cities worldwide.

    https://www.referyourchasecard.com/m/205/6L5/FVXR/1552535463 im shameless

    Definitely not as great selection though.

    ohhaithur has an equation for which hotel chain to focus on
     
    Lifeiskilingme79 likes this.
  13. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

    Hilton or Hyatt
    More choices and better status>Hilton
    Lower AF but nice properties>Hyatt
     
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  14. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    Hyatt point value is also high, so if you have Chase transfers you can get good value there too.

    30k pts for a 1k/night hotel is nice
     
  15. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland Browns

    Hyatt is definitely the worst and not nearly as good as Hilton. Everyone knows this and knows it well.
     
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  16. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    I have a Marriott card but their website has been so bad post transition it makes me want to set myself on fire
     
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  17. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    This for the most part - Hilton has better reach internationally and better properties in most places compared to Hyatt. Hyatt has some nice international hotels but they're not ubiquitous.
     
  18. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    I've started to consider the Citi card that gives huge points on Hotels.com

    trying to figure out which hotel works best for the trip then finding which branded card I have that aligns with it(or none which has happened a bunch for this Denmark/Sweden trip) is kind of a hassle for seemingly little benefit
     
  19. tjsblue

    tjsblue I was right at the time
    Donor

    Hilton's reward program is a joke. Super bad value.
    Hyatt has good value but bad selection and not many options if you travel to different places. The best if you stay at the same place over and over and can find one you like.
    Marriott is the best selection/ options, OK but getting worse value

    I've had status at all three for reasons. Hilton is the best user experience in my opinion. Marriott has everything and they know it so they charge you for it. It will only get worse. They can't get out of their own way through this transition and basically don't give a shit. They know they have the market share to do what they want. Smaller guys should be licking their cops.
     
  20. Where Eagles Dare

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

    I hate all Hotel points.

    Someone create me an AirBNB/VBRO point card
     
    pianoman and tjsblue like this.
  21. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland Browns

    Everything this guy said is wrong and false.
     
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  22. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishSan Diego Padres

    Don't have near the experience or expertise as others in this thread, but I've been very happy with Hilton. Properties all over and I'm very happy with the card benefits. As others have said, the reward structure isn't the best, but I've been successful finding good value on some upcoming trips.

    Shameless plug http://refer.amex.us/JOSEPQ2rGB?XLINK=MYCP
     
  23. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Quoting so I can find it later.
     
    ohhaithur likes this.
  24. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Living that standby life as well?
     
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  25. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    I'll throw in a quick plug for IHG (although their 120k pt offer just ended). Their points are pretty cheap to acquire and I've found good value in Cancun and San Jose, CR. Can't speak to their European options but US/Central America options are worth keeping an eye on. They also a rotating special called Point Breaks that cut the redemption 50% or more for different hotels each quarter.

    Not sure how many free nights you're going for, but you'll run out pretty quickly on any card, so planning to get most or all the different chain cards is probably the best strategy.
     
  26. BellottiBold

    Donor
    Oregon Ducks

    The Marriott website, where "Map" means "blank white space".
     
    Lyrtch likes this.
  27. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Yeah, man. I'm constantly trying to talk my friends into a San Juan trip but it's a hard sell.

    Do you use ID90 at all?
     
  28. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    i'm like 50/50 at best in just an ability to log in to my account
     
    BellottiBold likes this.
  29. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    No. Is that only for actual employees? My sister is my hookup. I know I don’t get nearly all the benefits that actual airline employees do.
     
    Lifeiskilingme79 likes this.
  30. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor
    Nebraska CornhuskersMiami HeatMiami Dolphins

    Went to try and book a hotel for tonight on the Amex website for the Hilton Amex points CC I opened a few months ago. It said no points...I call Amex and they explain that I'm a moron and need to login to the Hilton website to use those points :/

    Do you get the 1 free weekend night offer after you've had the card for a year?
     
    i am a bammer likes this.
  31. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland Browns

    Do you have the Ascend or the Aspire?
     
  32. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG

    Buddy let me tell you, the conrad bora bora was a lovely experience.
     
    marcus likes this.
  33. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland Browns

    Please give a detailed review of your trip or point me in the direction of a post you may have already made somewhere else!!!
     
    Det. Frank Bullitt likes this.
  34. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG

    just landed in states after 9 days in tahiti, with 8 being at Hilton Moorea/Conrad Bora Bora, short review incoming marcus
     
    #10384 Det. Frank Bullitt, May 10, 2019
    Last edited: May 10, 2019
    beist, EMAW FC, TAS and 2 others like this.
  35. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishSan Diego Padres

    If I'm doing multiple cips, do I need to hit the minimum spend/get bonus on the first one before I apply for subsequent cards?
     
  36. DriveByBBQ

    DriveByBBQ Well-Known Member
    Donor
    Alabama Crimson Tide

    Anyone find a way to pay their mortgage with a cc? Either through a third party with a fee or some other mechanism?
     
    Struggler likes this.
  37. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesLSU TigersCincinnati RedsCincinnati Bengals

    Rocket Mortgage,
    Do you take gift cards? Asking for a friend.
     
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  38. ohhaithur

    ohhaithur e-Batman
    Donor

    Plastiq is the preferred way
     
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  39. Where Eagles Dare

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

    It's only worth it when trying to get a bonus tho not just normal point accumulation
     
    DriveByBBQ likes this.
  40. LSU90

    LSU90 Well-Known Member

    Not sure on that but I would be careful about your velocity of applications in general. You also don't want to violate the 1/30 rule.
     
    laxjoe likes this.
  41. RJF-GUMP

    RJF-GUMP Daubert Qualified in Cooler Thermodynamics
    Donor TMB OG

    is the chase freedom card better than CSR? I just got offered it.
     
  42. RJF-GUMP

    RJF-GUMP Daubert Qualified in Cooler Thermodynamics
    Donor TMB OG

    Also got something from Chase saying I could get 75000 ultimate reward points if I go through them for my next house. I didn't read the fine print but I guess if we do our mortgage through them we get the points.
     
  43. CF3234

    CF3234 Fan of: Bandwagons
    Donor TMB OG
    Miami HurricanesMiami MarlinsMiami HeatMiami DolphinsFlorida PanthersTiger Woods

    I wouldn’t be using a 75k bonus as the end all be all for my mortgage decision, but you should definitely factor that in when comparing.
     
    RJF-GUMP likes this.
  44. Where Eagles Dare

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

    I've been getting a lot of those Chase mortgage emails as well

    Next time I need a mortgage they'll get a shot but 75k points isn't worth even an 1/8th of a point in rate difference.
     
    RJF-GUMP and i am a bammer like this.
  45. tjosu

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

    Two very different cards. The Freedom has good 5% quarterly bonuses that you can take advantage of, that's about its only value
     
    RJF-GUMP likes this.
  46. ohhaithur

    ohhaithur e-Batman
    Donor

    A free McDouble v. an expensive ribeye steak
     
  47. SP1

    SP1 Ball State #1
    Staff Donor TMB OG
    Michigan WolverinesChicago CubsLos Angeles LakersChicago BearsCalgary FlamesWest Ham UnitedBall State Cardinals

    Pretty solid offer for Amex Plat Delta Business for the minimal spend required:

    Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. MQMs count towards Medallion® status‡ and bonus miles can be used towards Award Travel.‡ In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.†
     
    #10397 SP1, May 14, 2019
    Last edited: May 14, 2019
    Dildo Dawgins likes this.
  48. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Just a heads up - it's for Amex Delta Platinum - not the regular Plat Business...
     
    SP1 likes this.
  49. SP1

    SP1 Ball State #1
    Staff Donor TMB OG
    Michigan WolverinesChicago CubsLos Angeles LakersChicago BearsCalgary FlamesWest Ham UnitedBall State Cardinals

    Oh, yeah I'm aware..will editmy post though
     
  50. Dildo Dawgins

    Dildo Dawgins Well-Known Member
    Donor
    Georgia Bulldogs

    I've had this card for years and love it, though mine comes with annual companion pass. I've got referral code if anyone wants to help me out.