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Thread: Best credit card for rewards/services?

  1. #101
    asshat skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj Definitely Shaggy upper class skipperj's Avatar
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    Signature has nothing to do with annual fee.

  • #102
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    Quote Originally Posted by skipperj View Post
    Signature has nothing to do with annual fee.
    Yeah, I figgered, but it was the only thing I could think of that was different. Don't remember why I have no fee then.

  • #103
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    Best credit card for rewards/services?

    There are so many deals when you sign up. Do you have the Venture or the VentureOne? One of those has no fees.

  • #104
    asshat Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen's Avatar
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    Just got approved for the Chase Sapphire Reserve that everyone is freaking out about. Let's see how this game goes.

  • #105
    Quote Originally Posted by Biff Tannen View Post
    Just got approved for the Chase Sapphire Reserve that everyone is freaking out about. Let's see how this game goes.
    Just got one as well.. I was leery of the $450 annual fee, but should work out to net gain of $1650 by January. $1500 sign up bonus, $300 travel bonus, and another $300 travel bonus in January.

  • #106
    asshat Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8's Avatar
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    Quote Originally Posted by Biff Tannen View Post
    Just got approved for the Chase Sapphire Reserve that everyone is freaking out about. Let's see how this game goes.
    It's the single best deal ever.

    For the first year, you get 100K miles (worth a $#@!load more than $1,500 if you play it right), $600 in travel credit, Priority Pass lounge access, Global Entry reimbursed ($100 value).

    Keep in mind, the $450 fee is effectively $150 per year, but if you cancel the card after the first year (before the second annual fee hits) you can get two calendar year travel credits as well as the GE fee, so you net 100K miles and $250 worth of value. And lounge access.

  • #107
    Yeah, I just got one, too. To good of a deal to pass up since I never got around to getting the Costco card.

  • #108
    asshat shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax's Avatar
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    I've had one for a while. Also United card since the points transfer to United.



  • #109
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    Had one for awhile, huh? How long? 2? 3 weeks?

  • #110
    Quote Originally Posted by Longhornmaniac8 View Post
    you get 100K miles (worth a $#@!load more than $1,500 if you play it right),
    Looks like $100K miles can be redeemed for a max of $1500 for travel or $1000 for straight cash. What am I missing here?

    Post-bonus you can rack up 3x (4.5c) on restaurants and travel, but for the initial bonus is there a way to redeem for more than 1.5c ratio?

  • #111
    asshat shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax might be a clever chap. or know the right people. know what i mean, nudge nudge? shnsajax's Avatar
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    Quote Originally Posted by skipperj View Post
    Had one for awhile, huh? How long? 2? 3 weeks?
    Ahh. Just realized this is Reserve. Nevermind.



  • #112
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    Quote Originally Posted by DalBear View Post
    Looks like $100K miles can be redeemed for a max of $1500 for travel or $1000 for straight cash. What am I missing here?

    Post-bonus you can rack up 3x (4.5c) on restaurants and travel, but for the initial bonus is there a way to redeem for more than 1.5c ratio?
    Points should be transferred to an airline partner. 100K miles transferred to Korean Air will get you to Europe and back in Business Class on a Skyteam partner, with 20K to spare. The value of that ticket is easily $3-4K.

  • #113
    White Mexican LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP's Avatar
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    Quote Originally Posted by Longhornmaniac8 View Post
    Points should be transferred to an airline partner. 100K miles transferred to Korean Air will get you to Europe and back in Business Class on a Skyteam partner, with 20K to spare. The value of that ticket is easily $3-4K.
    Yep. Also for hotels the Hyatt properties are a great deal on a 1 for 1 basis. 100k Hyatt points can go a long way.

  • #114
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    Quote Originally Posted by Longhornmaniac8 View Post
    Points should be transferred to an airline partner. 100K miles transferred to Korean Air will get you to Europe and back in Business Class on a Skyteam partner, with 20K to spare. The value of that ticket is easily $3-4K.
    Btw, can you post more details on this? I found this awards chart and couldn't find US to Europe rates

    https://www.koreanair.com/global/en/...ard-chart.html

  • #115
    American Express platinum, thoughts? Comes w/ 100k miles, access to airport lounge collection, credit for global entry - $450 annual fee



  • #116
    asshat Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker's Avatar
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    Quote Originally Posted by Horns99 View Post
    American Express platinum, thoughts? Comes w/ 100k miles, access to airport lounge collection, credit for global entry - $450 annual fee


    Platinum card is OK, but Amex points are crap. I just use them for Amazon because they really don't add up even if spending $3-4k per month.

    The Platinum perks are nice in a random sort of way - their discount at Ticketmaster got me free Astrodome seats. You really have to pay attention to take advantage of them though because they don't seem to have any rhyme or reason to them.

  • #117
    Quote Originally Posted by Horns99 View Post
    American Express platinum, thoughts? Comes w/ 100k miles, access to airport lounge collection, credit for global entry - $450 annual fee


    Amex has the best customer service around. I love amex. Rewards are close to the sapphire reserve, with the exception of the 3x travel points, and the $300 in free travel spend.

    But not everyone takes amex.

  • #118
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    Quote Originally Posted by Horns99 View Post
    American Express platinum, thoughts? Comes w/ 100k miles, access to airport lounge collection, credit for global entry - $450 annual fee


    I use my AMEX Platinum for business travel expenses and lounge access. I try to fly Delta whenever I can for Sky Club.

    If I have to fly American, I can get Centurion club in DFW. Priority Pass in some US locations as well.

  • #119
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    Quote Originally Posted by LongIslandIceSIP View Post
    Yep. Also for hotels the Hyatt properties are a great deal on a 1 for 1 basis. 100k Hyatt points can go a long way.
    Oh honey...no. Don't waste points like that. There are starving kids in Africa

  • #120
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    Quote Originally Posted by LongIslandIceSIP View Post
    Btw, can you post more details on this? I found this awards chart and couldn't find US to Europe rates

    https://www.koreanair.com/global/en/...ard-chart.html
    http://thepointsguy.com/2016/06/how-...n-air-skypass/

  • #121
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    Quote Originally Posted by Longhornmaniac8 View Post
    Thanks! Confusing, but I think I follow.

  • #122
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    Best credit card for rewards/services?

    Quote Originally Posted by spankytoes View Post
    Oh honey...no. Don't waste points like that. There are starving kids in Africa
    Hahaha we spent a week in a nice resort in Maui last year and I thought it was a worthy use of my points.

  • #123
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    Quote Originally Posted by LongIslandIceSIP View Post
    Hahaha we spent a week in a nice resort in Maui last year and I thought it was a worthy use of my points.
    Could have accomplished the same thing with the Hyatt card for a lot less hassle/points/fee. Damn SF hippies! :)

  • #124
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    P.S. I'm frozen out of the Sapphire because I've opened more than 8 cards with Chase in the last 24 months. $#@!ing commies.

  • #125
    asshat stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38 might be a clever chap. or know the right people. know what i mean, nudge nudge? stunns38's Avatar
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    I was just approved for the Sapphire reserve. $300 in instant travel credits before the end of 2016 and another $300 for 2017 makes the $450 annual justifiable alone.

    So, would transferring those points to SW Rapid Rewards be a good value?



  • #126
    Quote Originally Posted by spankytoes View Post
    P.S. I'm frozen out of the Sapphire because I've opened more than 8 cards with Chase in the last 24 months. $#@!ing commies.
    8 cards in 24 months? Why?

  • #127
    bunghole CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK is probably pretty witty. or good at photoshop. or porn. CDAK's Avatar
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    I think he plays the points game (i.e., signing up for the best and newest bonuses, getting those bonuses and cancelling the cards thereafter). I've got a buddy who does it and certainly gets some good rewards. I just don't have the energy to do it.

  • #128
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    Quote Originally Posted by CDAK View Post
    I think he plays the points game (i.e., signing up for the best and newest bonuses, getting those bonuses and cancelling the cards thereafter). I've got a buddy who does it and certainly gets some good rewards. I just don't have the energy to do it.
    Yeah, it's called "churning" I believe. And Sapphire Reserve said F that. So spanky is out of luck. Agree the time and energy just is too intense.

  • #129
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    Quote Originally Posted by Longhornmaniac8 View Post
    It's the single best deal ever.

    For the first year, you get 100K miles (worth a $#@!load more than $1,500 if you play it right), $600 in travel credit, Priority Pass lounge access, Global Entry reimbursed ($100 value).

    Keep in mind, the $450 fee is effectively $150 per year, but if you cancel the card after the first year (before the second annual fee hits) you can get two calendar year travel credits as well as the GE fee, so you net 100K miles and $250 worth of value. And lounge access.
    Explain the bolded please.

  • #130
    Quote Originally Posted by Biff Tannen View Post
    Yeah, it's called "churning" I believe. And Sapphire Reserve said F that. So spanky is out of luck. Agree the time and energy just is too intense.
    $#@! that noise, I've got better things to do with my time.

  • #131
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    Quote Originally Posted by spankytoes View Post
    P.S. I'm frozen out of the Sapphire because I've opened more than 8 cards with Chase in the last 24 months. $#@!ing commies.
    I heard if you go to a bank branch the 5/24 rule is waived.

  • #132
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    Quote Originally Posted by Biff Tannen View Post
    Explain the bolded please.
    As I said above, if you transfer the points to an airline program, and use that 100K miles to redeem long haul business/first class awards (most you'd generally be able to get now is business, unfortunately), the out-of-pocket cost for that ticket is well north of $1,500. A one-way first class ticket to, say, Hong Kong on Cathay Pacific is going to be in the ball park of $5K. It also costs 110K on AA, but you'd be pretty close. Value is, of course, subjective, but the actual cost of those long haul tickets in business class is a lot more.

    Quote Originally Posted by Chewbacca View Post
    $#@! that noise, I've got better things to do with my time.
    Maybe so, but I cashed in 330K miles this summer and got $45K worth of plane tickets in first class on some of the nicest airlines in the world. The barrier to entry isn't as high as people think it is. I'm 27, I've been to 50 countries, and done almost all of my flying over the last 5 years in the pointy end of the plane. I am by no means rich. The plane tickets I got represent almost my entire salary.

    I don't do it all from credit cards, but the way the frequent flyer game works now, it's stacked against all but the very, very high-value ticket buyers. I used to be able to rack up a lot of miles having mid- or upper-tier elite status on AA, but now I generally earn 50-75% less than I did, and combining that with an increase in premium cabin awards means it's not worth trying with butt-in-seat miles.

  • #133
    Quote Originally Posted by Biff Tannen View Post
    Explain the bolded please.
    Just an example... I am looking at booking flights to Jackson Hole from DFW. 15000 Avios points roundtrip for an AA direct flight. It's a $607 flight.

    30000 UR points = $1214 value for 2 flights.

  • #134
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    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.

  • #135
    asshat spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes's Avatar
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    Quote Originally Posted by Chewbacca View Post
    8 cards in 24 months? Why?
    Why?

    Berlin (4X), Munich for Oktoberfest (3X), London (4X), English countryside + Norwich boat trip, Glasgow/Edinburgh, Dublin, Budapest, Prague, Moscow, Paris, Amsterdam, Rome (3X), Milan/Lake Como, Venice, Florence, Tuscany, Auschwitz/Kraków, Brugges, Brussels, Salzburg, Hallstatt, Madrid, Pamplona for the Running of the Bulls, Istanbul and Athens.

    These are my European trips taken/booked between April 2012 - July 2017. Probably adding Rio, Lima and Macchu Picchu next year as well. Haven't had a hotel less than 4-stars and only handful of flights that were lower class than Business. Plane tickets cost between $60 - $280 round trip. Several other Statewide/Canada trips as well.

  • #136
    asshat spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes Probably Shaggy upper class spankytoes's Avatar
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    Quote Originally Posted by Texasbadass View Post
    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.
    Depends how smart you are. My credit rating is 801

  • #137
    Quote Originally Posted by spankytoes View Post
    Why?

    Berlin (4X), Munich for Oktoberfest (3X), London (4X), English countryside + Norwich boat trip, Glasgow/Edinburgh, Dublin, Budapest, Prague, Moscow, Paris, Amsterdam, Rome (3X), Milan/Lake Como, Venice, Florence, Tuscany, Auschwitz/Kraków, Brugges, Brussels, Salzburg, Hallstatt, Madrid, Pamplona for the Running of the Bulls, Istanbul and Athens.

    These are my European trips taken/booked between April 2012 - July 2017. Probably adding Rio, Lima and Macchu Picchu next year as well. Haven't had a hotel less than 4-stars and only handful of flights that were lower class than Business. Plane tickets cost between $60 - $280 round trip. Several other Statewide/Canada trips as well.
    To each his own. That sounds exhausting to me. I like to travel, but not that much. I'd rather spend my weekends in the mountains.

  • #138
    asshat RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24 Shaggy Bronze Club RaiderzX24's Avatar
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    Just got the reserve. Looks legit



  • #139
    I use the Fidelity Visa cash back card, 2% flat on everything with no annual fee, deposited into Fidelity brokerage account every month (can be easily transferred out to your bank from there if desired). Overall, pretty good card.

  • #140
    asshat Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8 Shaggy Silver Club Longhornmaniac8's Avatar
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    Quote Originally Posted by Texasbadass View Post
    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.
    It doesn't. It will generally make your credit go up. You'll have a 3-5 point hit when they run the credit check, but shortly after that, it will go up. 30% of your credit score is your utilization rate, only 10% is credit inquiries (which roll off after 2 years anyway). Increase the open lines of credit, increase the denominator (total available credit), the percentage of utilized credit goes down, which makes your credit go up.

  • #141
    asshat txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87 Shaggy Bronze Club txgrad87's Avatar
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    just got sapphire cards in the mail!

  • #142
    asshat Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen Shaggy Gold Club Biff Tannen's Avatar
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    Quote Originally Posted by txgrad87 View Post
    just got sapphire cards in the mail!
    Metal or plastic?

  • #143
    asshat Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man probably preboards planes Celery Man's Avatar
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    Quote Originally Posted by radiator View Post
    I use the Fidelity Visa cash back card, 2% flat on everything with no annual fee, deposited into Fidelity brokerage account every month (can be easily transferred out to your bank from there if desired). Overall, pretty good card.


    I have that also. I never fooled around with it, which I know is stupid, but I wasn't in a... doing smart things mood for a while. Finally redeemed my points the other day and got $2000 into the cash account I use to pay the card off every month.

  • #144
    asshat 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5 Shaggy Gold Club 4th and 5's Avatar
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    Quote Originally Posted by spankytoes View Post
    P.S. I'm frozen out of the Sapphire because I've opened more than 8 cards with Chase in the last 24 months. $#@!ing commies.
    5/24 is kicking my ass right now!!!!

    Quote Originally Posted by Chewbacca View Post
    $#@! that noise, I've got better things to do with my time.
    Berkeley/Napa this week, New Orleans next week. Air/hotel/car all on points.

    This year: Santa Fe, New Orleans, Isla Mujeres, the Masters, all on points. Guess I'm not as busy as you.


    Quote Originally Posted by Longhornmaniac8 View Post
    I heard if you go to a bank branch the 5/24 rule is waived.
    Nope

    Quote Originally Posted by Texasbadass View Post
    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.
    No big deal

    Quote Originally Posted by spankytoes View Post
    Why?

    Berlin (4X), Munich for Oktoberfest (3X), London (4X), English countryside + Norwich boat trip, Glasgow/Edinburgh, Dublin, Budapest, Prague, Moscow, Paris, Amsterdam, Rome (3X), Milan/Lake Como, Venice, Florence, Tuscany, Auschwitz/Kraków, Brugges, Brussels, Salzburg, Hallstatt, Madrid, Pamplona for the Running of the Bulls, Istanbul and Athens.

    These are my European trips taken/booked between April 2012 - July 2017. Probably adding Rio, Lima and Macchu Picchu next year as well. Haven't had a hotel less than 4-stars and only handful of flights that were lower class than Business. Plane tickets cost between $60 - $280 round trip. Several other Statewide/Canada trips as well.
    This man taught me a lot of what I know

    Quote Originally Posted by spankytoes View Post
    Depends how smart you are. My credit rating is 801
    818

  • #145
    Quote Originally Posted by 4th and 5 View Post
    Berkeley/Napa this week, New Orleans next week. Air/hotel/car all on points.

    This year: Santa Fe, New Orleans, Isla Mujeres, the Masters, all on points. Guess I'm not as busy as you.

    818
    Sounds like you just like to travel more than I do. Like I said, too each his own. My perfect weekend is in the mountains of CO (where I live), not going to the airport.

    We're not really comparing credit scores now, are we? Seems a little Rocko-esque.

  • #146
    asshat Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius might be a clever chap. or know the right people. know what i mean, nudge nudge? Ignatius's Avatar
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    Quote Originally Posted by spankytoes View Post
    Oh honey...no. Don't waste points like that. There are starving kids in Africa
    Just to clarify, are you saying that Hyatt points in and of themselves are a bad deal or that transferring MR points to Hyatt is a bad deal? I've found that outside of SPG points Hyatt offers the greatest value, although obviously airfare beats hotel overall...

  • #147
    asshat 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club 5280 Shaggy Gold Club
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    Quote Originally Posted by Texasbadass View Post
    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.
    minimally to none. by and large, credit is paying back your $#@!, paying it on time, utilization, and account maturity. if your house's in order, playing the churning game wont hurt it none. its like being a 40 year old man, taking an extra 130 proof wild turkey shot wont dent ya the way it'll knock out a teenager.

    i also had a lot of hesitation about dinging my virgin-pristine record at first, eased into the game, played it off and on over the last decade, got 40 credit accounts on record now, and my scores are ..... above 818 lulz

    Quote Originally Posted by Horns99 View Post
    American Express platinum, thoughts? Comes w/ 100k miles, access to airport lounge collection, credit for global entry - $450 annual fee
    great card. better forex rates than chase through any of its cards. similar or better purchase protection than the chase - e.g. in terms of limit $$$ for damage protection, return protection. grants access to own-branded lounges and provides priority pass account. most critical thing is to use the $200 annual travel credit (applied towards most major airlines). that makes the card an effective $250 in fee... without it, the calculus wont work for most people

    Quote Originally Posted by Ignatius View Post
    Just to clarify, are you saying that Hyatt points in and of themselves are a bad deal or that transferring MR points to Hyatt is a bad deal? I've found that outside of SPG points Hyatt offers the greatest value, although obviously airfare beats hotel overall...
    spg is generally the best. not sure if hyatt is #2, but i dont evaluate points in that way in the first place. unless you have to decide at gunpoint where to stuff your points. so basically you want a hotel at location xxx at time yyy. how much does it cost with money? with money+points? just with points? are there redemption bonuses, or earnings bonuses, for swaying the decision one way or the other? are you saving your (UR or MR-banked) points for something else? if not, there you go.

    the margins for optimization have eroded a lot. it seems that the 'golden age' of prolific awards was the decade starting in early 2000s. points were ripe for the pickin and worth much. now, besides the outsized bonuses being stingier and hard cap implemented on churn rates, devaluation of points seems to accelerated across the industry. ^which goes back to the point above, unless you are specifically saving it for something in near future, use it while you can. redemption is only getting more difficult. its no longer worth the mental algebra to 'game the system'. i just stick with a CSP + Amex plat. use, earn, and burn

  • #148
    asshat Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker might be a clever chap. or know the right people. know what i mean, nudge nudge? Liquor and Poker's Avatar
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    I've never really found travel rewards to be worth the trouble unless you're traveling solo or maybe with one other. With kids the discounts in doing the full "package" on one of the OTCs are always bigger than the value of using points for part of a trip and paying for the rest. Plus trying to coordinate it all is a giant hassle.

    Maybe if you spend 15k+ per mo on a card and/or or save the points up for one big trip every five or ten years.

  • #149
    White Mexican LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP's Avatar
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    About to face the (pay for) travel with children soon.

    Wife and I have been taking two international vacations per year for the last 5 years. For every trip we've had free flight and/or hotel thanks to credit card points and biz travel points/miles.

    Our kid is still under 2, so has been flying for free, but you are right. Points will not go as far when she has to pay for her flights.

  • #150
    Shaggy Donor Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20 Shaggy Gold Club Rocko20's Avatar
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    Quote Originally Posted by Texasbadass View Post
    How bad does churning ding your credit? I got approved for the Sapphire Reserve, but was hesitant to apply at first because I am so anal about my credit report.
    If your credit utilization, history of credit length, and history of making on time payments are good like they should be, hard inquiries aren't going to ding your credit score.

    Mine:
    Experian 728
    Transunion 709
    Equifax 707

    (I use myfico which gives me access to all three credit bureaus and notifies me of any changes on my credit report)

    I'll be in the 800's once I decrease my credit utlizaton.
    Last edited by Rocko20; 09-12-2016 at 07:38 AM.

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