Credit Card Thread - Now with a Beginner's Guide to free travel/FAQ

If you had 5k+/- in expenses every month that were fully reimbursed by your company what card(s) would you recommend?

 

Depends on what kind of expenses

 

you must do a lot of entertaining or travelling.

 

If it's not travel or restaurants, use a 2% cash back card like citi double cash or capital one spark. Maybe chase freedom unlimited if you have sapphire preferred.

 

Travel.

 

I'd get the new sapphire reserve that's coming out

 

CSP. I'm in the same boat, have had it since mid-March and I'm already at $100k points

 

New one is CSP on steroids

 

I must be retarded, but I'm trying to send a referral to someone for the Sapphire and can't figure out how to do that. Someone help me out?

 

https://www.chasereferafriend.com/Default.aspx?c627f40f25384c3280db4908bbe08d4e

 

Was looking all over the Ultimate Rewards section, would've never guessed it'd be a separate site

 

If you have twitter or Facebook, post to there using the site and copy and paste the link to your friend. Sending an email takes like a week

 

Amex gold can get you 3x points on travel, but you have to book thorough their website.

 

... which is very easy to do ...

 

Amex travel doesn't always have the best rates - same with the Chase UR booking site.

Ultimately, you'll want to look at the transfer partners to decide what works best for you.

If you rent cars, Chase has better insurance coverage (i.e. Primary Coverage) & not to mention, dining is also 3x UR with the Chase Reserve.

 

Contact Chase and see if they'll convert your existing account to a no-annual fee card. The Chase Sapphire (not Chase Sapphire Preferred) is what you'd be looking to end up with

 

Dining/travel is worth more like 4.5 with the new redemption rate on travel

 

my biggest regret in life is not getting on board with this shit faster

 

Damn, I just applied and was approved for the CSP yesterday. Should I have waited for the reserve?

 

I'd say it's ok - it's the nature of the game - sometimes, there's something good around the corner that you may have missed, on the other hand, you may get a bonus that's killed the minute you receive it.

 

why would it be killed?

 

Chase reserve will be $450 fee though, gold amex is $175 fee. I agree reserve will be a better overall card and I plan on getting it, but some people may not want to spend the extra annual fee and I think amex gold is one of the best point gathering cards.

 

$450 annual fee w/ $300 travel credit. Essentially a $150 fee for the first year

 

I didn't see if it was determined if it was an amex platinum or citi prestige style credit though. Pretty big difference on usage, especially if Chase doesn't let you loophole by buying gift cards like amex. I would have a hard time spending $300 on incidentals.

 

I thought I saw that it was just general "travel" expenditures be it airfare, hotel, incidentals, etc. $300 is a fuck ton for incidentals unless you're traveling constantly.

 

If true thats amazing. I get around the amex platinum fee by having to buy gift cards, but would have zero problem spending the $300 if it was all travel expenses. It's even better if its $300 per calendar year so you'd actually get $600 in the first year. I'm even more excited for the card now. May sign up for one regular and one business if possible.

 

Yea, it's basically a $150 annual fee if that's the case. Well worth it for the 3x on dining out and travel.

Hopefully I can use the TSA Precheck/Global Entry fee credit for my gf since mine isn't up for a few more years.

 

That card is quite tempting

 

First year fee isn't waived if people didn't see that. Doesn't bother me though

 

Great opportunity

Pay Your Rent with a Credit Card for No Fee Through the End of the Year - https://t.co/6f5yud47g7 https://t.co/MIkJTqIwza

 

Great way to hit minimum spend - you can always mail a check to yourself or your wife/girlfriend/family.

 

Wish that worked for Apple :(

 

looks like chase cards don't work

 

Fuuu

 

Does anyone know of a work around for paying rent with credit?

 

my place just charges a transaction fee

I just started to pay 3 months at a time and take the small fee

 

Mine does as well, unfortunately it's 3% so it isn't worth it. Wondering if there is anything else out there to get around that.

 

r/churning suggests Serve cards from AMEX. I think that's 1%

 

There's one posted right above your question

 

It only works with android pay and doesn't work with chase cards.

 

If you can take a hit, Plastiq can do it for you. IIRC, they have some bonus rates now and then bringing down the processing fees to 2% instead of the usual 3%

 

Anybody here have the GM Buy Power card?

 

Chase sapphire reserve looking mighty attractive.

I'm on mobile, but alot of good news was released/leaked today.

http://frequentmiler.boardingarea.c...-key-findings-re-524-travel-credits-and-more/

 

Looks like everything we already knew but it is nice they confirmed it's a calendar year bonus so two of them in the next 4 months.

 

also, that flights, not just incidentals/upgrades, count to that. which is huge

 

Its all travel. Flights, hotels, trains, etc

 

Card pays you back in the first year if you are smart.

I Wonder if I can get refund for global entry for a friends application, since I already have it myself. Split the discount imo.

 

so basically it's 100,000 points and a profit of $150 over the first two years

 

4 months in you'll have 104k+ points and 600 dollars in travel at least. So 2100+ in portal travel dollars. Their travel partners often have great deals on miles too. I've got a ton of sapphire/freedom points to transfer over for the multiplier too

 

Hoping that'll be the case so I can get it for my gf.

I got the CSP back in February. I don't have any 5/24 issues but is that going to complicate me getting the 100k bonus since I already got the 50k this calendar year?