I love credit cards so much!

[disneymagicgirl]

Anyone know if i can combine the $20 back on $50 google express/amex offer with the $15 off $55 first purchase google express offer? I don't see where the amex small print says I can't but I can't find the small print for the google direct offer.

 

[tink1970]

https://www.doctorofcredit.com/lets...-end-csr-altitude-prestige-platinum-prg-ritz/

Not sure if this has been posted already and if so, apologies but with most of our CSR travel credits opening up, it was a good idea for me to review what I had and hadn't used already this year!

 

[gottalovepluto]

Then I had a little scare when I logged in to Chase again tonight and my CSR was unavailable and all my UR were missing. I thought for sure they went and removed the wrong card and somehow screwed up my UR at the same time. Deep breath, log out and back in again, and everything is as it should be.

Chase website does that sometimes, and despite having been a Chase customer for a few years now it scares the living daylights out of me each time.

 

[Albort]

Anyone know if i can combine the $20 back on $50 google express/amex offer with the $15 off $55 first purchase google express offer? I don't see where the amex small print says I can't but I can't find the small print for the google direct offer.

you can, but I believe ur total charge still has to be over $50 for Amex offer to kick in. I used a $10 off coupon when I did the google express deal.

 

[kmc8826]

Will Chase let you move credit around without it being to make room for an additional card?

Yes. You just need to secure message them what you want to do. I recently did it when I took all but $5000 in credit on my Hyatt and put it onto the Freedom Unlimited.

 

[disneymagicgirl]

you can, but I believe ur total charge still has to be over $50 for Amex offer to kick in. I used a $10 off coupon when I did the google express deal.

Amazing!!! Thank u!

And PS- u guys have the answers to everything!

 

[elgerber]

OK, I have my dd's final tuition payment coming due, and I hate having a large purchase upcoming with no bonus points LOL.
I am wayyyyyyyyyyyyyyy over 5/24, so really don't want to do anything right now for myself or dh.
But (I posted on this awhile back, but I want to make sure this is all good), my dd has an offer on her Chase page for the CSP.
She is a senior in college so it will be years before she has to worry about 5/24 (she is at 1/24 now). So if she got the card, and I make the spend, she could product change after a year to something with no fee?
Would we have to pay the $95 next year first (which is fine)?
If she product changed, would she lose the UR points, or would the product she changed to also have UR points?
If she would lose, them, she could transfer them to a partner first correct?
And lastly, can you still pay rent with Chase and Plastiq? Guess that should be first, since I would want to use that for part of the spend.

Another reason I want to do this, is I am about to close both of our Barclay accounts and she is an AU on those, so I want to get her more credit to replace it (I could also add her as an AU to my Disney Premier which has an insanely high credit limit)

Sorry for so many questions, and thank you!!!

 

[disneymagicgirl]

OK, I have my dd's final tuition payment coming due, and I hate having a large purchase upcoming with no bonus points LOL.
I am wayyyyyyyyyyyyyyy over 5/24, so really don't want to do anything right now for myself or dh.
But (I posted on this awhile back, but I want to make sure this is all good), my dd has an offer on her Chase page for the CSP.
She is a senior in college so it will be years before she has to worry about 5/24 (she is at 1/24 now). So if she got the card, and I make the spend, she could product change after a year to something with no fee?
Would we have to pay the $95 next year first (which is fine)?
If she product changed, would she lose the UR points, or would the product she changed to also have UR points?
If she would lose, them, she could transfer them to a partner first correct?
And lastly, can you still pay rent with Chase and Plastiq? Guess that should be first, since I would want to use that for part of the spend.

Another reason I want to do this, is I am about to close both of our Barclay accounts and she is an AU on those, so I want to get her more credit to replace it (I could also add her as an AU to my Disney Premier which has an insanely high credit limit)

Sorry for so many questions, and thank you!!!

I have dd tuition coming up too, but I didn’t think it is worth putting on a card for points since the fee is so crazy. Am I wrong b/c I’d love to get some points!

 

[Alexle2007]

Yes. You just need to secure message them what you want to do. I recently did it when I took all but $5000 in credit on my Hyatt and put it onto the Freedom Unlimited.

Thanks, I had moved credit from my Disney to Southwest when I opened the Premier and since I know I will be closing the Premier, I want to move the majority of that credit back so it will still be available in the future.

 

[elgerber]

I have dd tuition coming up too, but I didn’t think it is worth putting on a card for points since the fee is so crazy. Am I wrong b/c I’d love to get some points!

The card fee? The card fee is only $95 (waived the first year). Her school doesn't charge for credit cards, I have paid all her tuition with a card, fee free.

 

[SouthFayetteFan]

Citi Prestige Feedback
I applied for the Citi Prestige 75,000 Thank You point offer for $7,500 spend back in September. We had a roof project coming up plus were going to be paying for our Disney trip, so I was looking for some high spend offers. This particular offer (75k pts) is no longer available but here was the DoC writeup on it - https://www.doctorofcredit.com/citi-prestige-75000-point-signup-bonus-now-publicly-available/

This card might have a 40,000 point offer currently and maybe the 75,000 will come back someday so I figured I'd just let everybody know how well it worked and easy it was.

To date, I spent exactly $7,750.40 (excluding the $450 annual fee).

• About $1,200 of that spend was on airfare with Southwest and my $250 credit posted right on the statement closing date that the charges appeared on (no issues at all!)
• I earned 87,599 Thank You points between the bonus and my regular spend. The bonus points posted right on the statement closing date after I met the minimum (no issues at all!)
• I redeemed my TY points for statement credits totaling $875 (was very easy!)
• In January I'll spend $268.75 on airfare (assuming the ticket price remains constant) and will earn another $250 statement credit
• I plan to get the TSA Precheck credit on my wife ($85 spend then $84 credit!) and then spend $5 more at restaurants to bump up my TY points to the minimum redemption amount of 1,000 points for another $10 statement credit.

In all I will spend $8,109.15 and earn $1,470 in statement credits. If I net out the $450 annual fee I paid I basically put $1,020 cash in my pocket at an 12.6% return. Depending on how you calculate your return you might see that differently, but that's just an example of how I look at it. There are certainly better cashback returns out there but usually at small min. spends ($500 or $1,000). If you have a lot of spend coming up and want to generate some cash off of it, this is a great candidate if the card has a good offer.

The card itself has some neat benefits like the 4th night free at hotels, no foreign trans. fees, pre-check credit, $250 annual airline credit, and earns extra points on air, hotel and restaurants. Hopefully this is helpful to some folks that maybe hadn't read a lot on this card.

 

[SouthFayetteFan]

I have dd tuition coming up too, but I didn’t think it is worth putting on a card for points since the fee is so crazy. Am I wrong b/c I’d love to get some points!

How much would you put on the card? How much is the fee to pay via card?

 

[Ngwira]

I"m not seeing the Jetblue 60k offer anywhere. Did they discontinue it? I think they did! Should I still get the card for my husband for the 30k points which will fill in the shorfall we have of 26k. I don't see any other way, except to pay out of pocket the $650 shortfall and get a different card for him, such as CSR. I"m trying to accumulate starpoints, though so that won't help me with my short term goal (this summer vacation).

Of course I need United miles as well but I have enough saved right now for one ticket and I am thinking I should just buy the tickets while the price for the others is doable.

Edit: Just applied and he got approved!

The links are hidden. I just saw it this morning on milesforfamily.com. Also check doctorofcredit.

 

[tink1970]

OK, I have my dd's final tuition payment coming due, and I hate having a large purchase upcoming with no bonus points LOL.
I am wayyyyyyyyyyyyyyy over 5/24, so really don't want to do anything right now for myself or dh.
But (I posted on this awhile back, but I want to make sure this is all good), my dd has an offer on her Chase page for the CSP.
She is a senior in college so it will be years before she has to worry about 5/24 (she is at 1/24 now). So if she got the card, and I make the spend, she could product change after a year to something with no fee?
Would we have to pay the $95 next year first (which is fine)?
If she product changed, would she lose the UR points, or would the product she changed to also have UR points?
If she would lose, them, she could transfer them to a partner first correct?
And lastly, can you still pay rent with Chase and Plastiq? Guess that should be first, since I would want to use that for part of the spend.

The card fee? The card fee is only $95 (waived the first year). Her school doesn't charge for credit cards, I have paid all her tuition with a card, fee free.

That's awesome that her school doesn't charge a fee. I can't imagine the points/miles/cash back that's been racked up!

I'd definitely have her go for the CSP. I know that after the year if she downgrades then the UR points would just be cash back, so if she wants miles options then transfer prior to downgrading.

Can't answer the plastiq question (sorry)...Chase is my second or third tier company since UR doesn't work for me (Delta hostage) but I'm sure some folks will know (looking at you @Albort).

 

[wendow]

The card fee? The card fee is only $95 (waived the first year). Her school doesn't charge for credit cards, I have paid all her tuition with a card, fee free.

My dd’s college accepts cc’s with no fee also. Our portion of the tuition is really low right now cause the school district picks up most of the tab but once she graduates in May, we will be paying her tuition. Thank goodness I’ll be able to use cc’s to pay it and get some points!

 

[tink1970]

Citi Prestige Feedback
I applied for the Citi Prestige 75,000 Thank You point offer for $7,500 spend back in September. We had a roof project coming up plus were going to be paying for our Disney trip, so I was looking for some high spend offers. This particular offer (75k pts) is no longer available but here was the DoC writeup on it - https://www.doctorofcredit.com/citi-prestige-75000-point-signup-bonus-now-publicly-available/

This card might have a 40,000 point offer currently and maybe the 75,000 will come back someday so I figured I'd just let everybody know how well it worked and easy it was.

To date, I spent exactly $7,750.40 (excluding the $450 annual fee).

• About $1,200 of that spend was on airfare with Southwest and my $250 credit posted right on the statement closing date that the charges appeared on (no issues at all!)
• I earned 87,599 Thank You points between the bonus and my regular spend. The bonus points posted right on the statement closing date after I met the minimum (no issues at all!)
• I redeemed my TY points for statement credits totaling $875 (was very easy!)
• In January I'll spend $268.75 on airfare (assuming the ticket price remains constant) and will earn another $250 statement credit
• I plan to get the TSA Precheck credit on my wife ($85 spend then $84 credit!) and then spend $5 more at restaurants to bump up my TY points to the minimum redemption amount of 1,000 points for another $10 statement credit.

In all I will spend $8,109.15 and earn $1,470 in statement credits. If I net out the $450 annual fee I paid I basically put $1,020 cash in my pocket at an 12.6% return. Depending on how you calculate your return you might see that differently, but that's just an example of how I look at it. There are certainly better cashback returns out there but usually at small min. spends ($500 or $1,000). If you have a lot of spend coming up and want to generate some cash off of it, this is a great candidate if the card has a good offer.

The card itself has some neat benefits like the 4th night free at hotels, no foreign trans. fees, pre-check credit, $250 annual airline credit, and earns extra points on air, hotel and restaurants. Hopefully this is helpful to some folks that maybe hadn't read a lot on this card.

Great summary, @SouthFayetteFan! I completed my spend and ended up with 93,000 TY points, also receiving the $250 credit almost immediately. I didn't want to mess with statement credit (although probably should have) so waiting for a $900 check in the mail...warning to others who might actually use statement cash back...unlike Discover and Chase, this isn't done electronically so I'm having to wait 1-3 weeks for a check in the mail. After the first statement I'd earned another 1000 ish points so applied some of my points to my statement to erase I think about $30 dollars.

If/when the check arrives and after I utilize my 2018 $250 air credit posts, I'll have around 10.5% return (gross estimate)...not quite as good as @SouthFayetteFan but not bad. I suspect I won't keep it after the next year's AF but one never knows...It was good when I had a large bill to pay so win-win on my end, too.

 

[wendow]

@elgerber
I think the only way to know if the rent can be paid with plastiq is to try it. Some payments are still going through. My mortgage no longer will using a visa.

 

[mefordis]

I cannot believe this, but so far it looks like I'll be saving a minimum of $4000 on my trip this summer, between the SPG hotel points and JetBlue one way ticket for free for 4 ppl EWR to SAN. I am still accumulating points for this, though. Once that JetBlue card comes (Dang I am so stupid I should have rushed it!) I need to make the 1k min spend.

I could use more SPG points...wondering now if I should apply for the Marriott card for 80k points that could be transferred to SPG. I am 4/24 .

Then, I'll need to turn my attention to the DLR portion of my trip and look into using UR to offset the cost of Disneyland Hotel. And maybe the rental car for 2 weeks - that would be nice to use Membership Rewards for that.

I'll keep you guys posted. Now that I have a real plan in place it makes managing this and making decisions so much easier!

Thanks to everyone here!

 

[Albort]

OK, I have my dd's final tuition payment coming due, and I hate having a large purchase upcoming with no bonus points LOL.
I am wayyyyyyyyyyyyyyy over 5/24, so really don't want to do anything right now for myself or dh.
But (I posted on this awhile back, but I want to make sure this is all good), my dd has an offer on her Chase page for the CSP.
She is a senior in college so it will be years before she has to worry about 5/24 (she is at 1/24 now). So if she got the card, and I make the spend, she could product change after a year to something with no fee?
Would we have to pay the $95 next year first (which is fine)?
If she product changed, would she lose the UR points, or would the product she changed to also have UR points?
If she would lose, them, she could transfer them to a partner first correct?
And lastly, can you still pay rent with Chase and Plastiq? Guess that should be first, since I would want to use that for part of the spend.

Another reason I want to do this, is I am about to close both of our Barclay accounts and she is an AU on those, so I want to get her more credit to replace it (I could also add her as an AU to my Disney Premier which has an insanely high credit limit)

Sorry for so many questions, and thank you!!!

im assuming your not paying to a loan right? I havent looking into it but i know a grip of people would buy $500 Gift of College gift cards and using that towards payments. The loss of value should be around 1% + time to purchase. could be worth looking it up if the school does charge a higher percentage.
depending on your card holdings, id branch out now. I suggest the SPG cards right now as those cards may not exist in the future. Could be a good time to apply and hit the bonuses. Marriott Biz could also be a good potential. hitting these card is a good idea right now.
Downgrade is possible after a year, you do not need to pay an annual fee. to make sure i dont get hit with a fee, i SM chase talking about a downgrade, they will tell you when to reply back again.
She will still keep her UR points but she will lose the ability to transfer to partners. You wont be able to PC out of the UR point system so nothing to worry about. Keep in mind(this is a loophole), she can always go back up to a CSP or CSR when she needs to, but you may get charged the AF.
She can transfer to partners BUT also know when the points expire with the partners... once you send them to partners, the time to expire starts ticking... It would probably be best to keep them as UR since you would have more options to transfer to when u do need them. unless u have something else in mind.
Lastly, Rent with chase and Plastiq. Yes, rent is still working on all 4 cards. The problem might be if you are sending it to a person' name. Easy peasy, show them the lease if they ask to prove your rent. If that does not work, theres always radpad to try out too although its a .5% more than Plastiq.

Suggestion would be to add her to all your long AoA credit cards. It may pass the AoA off to her giving her good credit!

Hope that answers your questions... good luck! :]

 

[mhartman09]

I'm checking out some WDW resorts in the Chase portal right now. Has anyone ever seen the price change drastically after you click "book?" It's showing a total of 150,463 UR on the page where you select your room. Once I click "Book" it changes to 170,053 UR. I've booked on the Chase portal several times now and I've never seen that happen before.