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  1. This is an important topic that almost never gets discussed here on CB. I have to admit that I cringe when I see someone apply for a bunch of different rewards cards with AFs and then ask how to best use them. Research is key, and I hope this thread can help a lot of people, myself included, better plan and work out a strategy for rewards. I think the first thing to decide is what type of rewards you are after. If you're after cash back, that will mean a different set of cards than someone after travel rewards. Are you airline loyal? Travel for work? Travel only on award tickets?
  2. There is a lot of good discussion about earning travel rewards through credit card spending and sign-up bonuses. This thread is about redemptions, with the discussion skewed toward those rewards which were earned from credit card activities. It's meant to get you to think about how to maximize and actually use the travel awards you accumulate from smart credit card usage. Please post your redemptions in this thread as you make reservations, share redemption tips and strategies (and regrets), and if you desire, post photos of your trips. Selfies not required. Here's what I've recently rese
  3. Cash-back cards come with a variety of reward structures, ranging from a flat percentage on all purchases to rotating 5% categories which require advance registration. If you enjoy this game (which I do) this thread is not intended for you. If you don't want to keep track of which cards pay the highest cash back in various spending categories, the simplest way to ensure solid reward returns is to get a card that pays a flat 2% back on all purchases AND has no annual fee. In this thread I will maintain a list of flat 2%/no-AF cards, as well as a list of 2% or "2X" cards to avoid beca
  4. With an upcoming refresh of the American Express Green card there are several rumors swirling about potential improvements. Right now the Green offers 2x points on purchases through the amextravel portal and 1x on everything else for a $95 AF. Yawn. The current rumors are suggesting a June/July/August launch bringing with it 4x on "gas" and 3x on "streaming services" with a wild card of free Amazon Prime with membership. Not awful at all if true. I'd be curious to see the caveats that will certainly come with the gas category, and the streaming services seem a little petty since I'm s
  5. Hello, I'm looking for the best card to pay for a $4k purchase. I've got the money but I'd like to use a card that will get me the most value back like in cash back or sign up bonus for spending a large amount. This is an orthodontist purchase but I want to get the most bang for my money. I have: AmEx everyday preferred, Capital One secure, CreditOne platinum. My relative has Discover it. I hope y'all can help with this!
  6. if you have it, are you happy with it? asking for a friend (honest, I would never slum with US skank )
  7. Before joining CB's I had no knowledge or appreciation of credit card rewards. When I was rebuilding my credit I noticed under the "advanced tab" posts discussing rewards but at the time I assumed I would never have a use for that. In other words, I simply didn't understand it. Fast forward to today, For Christmas I bought my grandson a limited edition LA Rams Eric Dickerson tee shirt and covered the entire cost through rewards simply by paying my utility bills and using my US Bank cc. Seriously! If someone was to tell me I could do that four years ago, I would just tune out and d
  8. I booked a RT flight from San Diego to Hayden, CO on the Alaska Air website a month ago for Feb travel. I did not use any points. Total cost was $337.30. Today the same flight from the Alaska Air website is $468. On the Amex Travel booking site the same Alaska flight is $720. I realize I can earn more reward points with Amex going through their travel site but the cost is too expensive. I only travel twice a year and it's usually to visit my brother in Steamboat Springs. Am I missing something here? Could someone explain or direct me to post on CB.
  9. My Amex Everyday Card Preferred sign up bonus pts were added to my card yesterday. The sign up bonus for at least $1K spend within three months is 15K additional points. It's on their website and I confirmed it with Amex over the phone. In the fine print bonus pts will not increase or apply to 50% more pts if you make 30 or more purchases within a statement period. They added 25K pts instead! I'll gladly take the extra 10K pts. Just hope they don't correct later. Has that ever happened to anyone before? DESCRIPTIO AEDP $2k Spd/25k MR Pts These points have been
  10. I received this offer for my Fidelity Rewards Visa Card to earn 2,000 bonus points ($20). Either I'm reading this incorrectly, or this seems like an insanely terrible offer. Here is how I'm interpreting the deal: Must do spending between November 1 and December 31, 2019 Must spend $2,100 before you start earning bonus points You can earn up to 2,000 Bonus Points (redemptions are 100 points = $1, so $20 maximum cash back) You earn 20% Bonus Points per dollar spent (0.4 Bonus Points per $1) At this rate, you'd need to spend $7,100 ($2,100 + $
  11. https://www.foxnews.com/us/philadelphia-cbp-agents-seize-ship-owned-by-jpmorgan-chase-after-1-3-billion-20-tons-of-cocaine-found-on-board JPMorgan Chase Bank needs to recoup the $1.3 billion lost when their cocaine smuggling operation got busted by Customs & Border Protection and their 20 tons of cocaine got confiscated. Since the cargo vessel, the MSC Gayane, owned by Chase, has been seized by CBP and federal prosecutors plan on keeping it, add an additional approximately $100 million to the tally. Jamie Dimon is sure to ask for a pay raise, too, when the retail
  12. I've created running threads documenting the cumulative benefits I have received from the Amex Platinum relative to its annual fee. Here is the original thread that I started in 2013. https://creditboards.com/forums/index.php?showtopic=517280 Here is the more recent thread which chronicles my current membership period, which will end in about two weeks. https://creditboards.com/forums/index.php?showtopic=578323 The goal of this new thread is to do a similar ongoing analysis of the value I receive from the Chase Sapphire Preferred, which I just received. At the end of my firs
  13. Bear with me for this post is about a boring small unexpected expense probably well below a lot of viewers' pay grade. Today my Homelite electric weed wacker died. So I bought a new one on my AMEX card and applied a portion of my earned points to cover the cost. Okay, so what you may think. Well in my world, being on a strick budget with modest family income, this was the first time in my life that I ever applied reward points to a purchase. Also I am inching towards complete prior year IRA contributions. Just makes me feel in control knowing I've micro-managed our finances and handled the ea
  14. Hello everyone, I'm new to the forum but was recommended to come here for advice. I'm currently a freshman in college and recently turned 19. I currently have two credit cards: Bank of America Cash Rewards (had for 12 months and $2500 limit) and Discover It Student Cash Back card (had for 3 months and $1250 limit). My current creditkarma score is 718 and I attached my credit factors from there. I'm always looking for ways to open more accounts and to improve my spending power and score. I never put anything on interest and don't plan to use a full balance on either of
  15. Had an email from them that is offering a ten dollar credit if you downloaded their app and made a payment using the app. There was a cut-off date in December to make the payment and it was a one-time-only sort of thing. Not a huge fan of the financial apps, but hey, ten bucks IS ten bucks. I often just delete all of that sort of email unread, and am guessing I am not alone in that regard...so, figured the heads-up might get someone else ten bucks to put towards their mortgage or whatever LOL!
  16. Looks like NFCU is stepping up the rewards on the Flagship. They will now be giving 3 points on travel, and 2 points on everything else. Most notable is that 1 point now equals $0.01 whether redeemed as cash, towards gift cards or towards travel redemptions. Also offering a GE/PreCheck credit once every 48 months. The travel category is fairly expansive: https://www.navyfederal.org/email-marketing/creditcards/35707-flagship-existing.php?cmpid=em|pro|campaign|productgroup|product|creative|08/06/2018|jobnumber||cb1.3
  17. https://www.chainstoreage.com/news/survey-cash-rewards-outweigh-all-others/
  18. I'm leaving on Monday for a trip to Germany and Austria and will be testing Discover acceptance. I think it's also fair to compare acceptance to Amex acceptance, and I will certainly also note when only 1 payment network, such as Visa only or MC only, is accepted. The main cards I will be using on this trip are my Amex Platinum and Chase Sapphire Reserve, but I will also used hotel co-branded cards for hotel incidentals as long as they have no FTF. Updates coming.....
  19. Hello, I have 8 credit cards right now. total avail credit line is $6650. Looking to grow Came from high 500s to just a tad over 700 in a little over two years. Kindly read on , please read on, if interested!!!! (This stuff gets me jazzed up, lol and feels good!) Id like to increase the number of cards/lower credit utilization and get some sign on bonuses, by adding some top shelf credit cards and CLIs Below are my scores, after BK7 was discharged on 3/2016 CREDIT KARMA 8.4.2018. Shows 7
  20. Great Day Everyone, I have a question as it relates to Balance Transfers Checks and Access/Convenience Checks... (not sure if they are the same really) I was just recently approved for a new Citi Simplicity Card 21K and a Chase Freedom Unlimited card 26k I remember getting Access/Convenience Checks in the mail periodically years ago and wondered... Do credit card companies still offer those, if so who? and are BT checks something that can be used for purchase - payment to self by way of deposit into my account? (Do I have to request these
  21. Here is my current card line up that sees the most use. Amex PRG Amex Delta Blue Citi AAdvantage MileUp (Recent PC from Gold. Card is in the mail). Citi DC Chase IHG Thinking of app for the Citi AAdvantage Platinum Select for the 2x on gas and dining to compliment the 2x groceries on the MileUp. Mrs. Vig has an increased desire for domestic travel. Little Vig has a desire for international. Asia and Middle East. Currently I'm sitting on 832k SkyMiles, 187k AAdvantage miles, Chase IHG 140k and 120k Amex MR. I've been heavy with SkyMiles for eternity..
  22. https://onemileatatime.boardingarea.com/2018/07/11/aadvantage-mileup-card/?utm_sourcemedium=OMAAT+Facebook
  23. Wells FargoWells Fargo is launching a new rewards credit card, a revamped iteration of its Propel Card. The card will earn 3x points per dollar spent on dining, transit and travel, and streaming services, and 1x point on everything else. Points can be redeemed at 1¢ each toward cash, gift cards, travel, or more. The new Propel will have no annual fee. The card directly competes with premium products like the Chase Sapphire Reserve, although that card potentially offers a higher redemption value. Applications for the new Propel will be available on July 16. If you're interested in opening a new
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