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. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    yeah you only get it after paying AF
     
    Whammy likes this.
  2. Where Eagles Dare

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

    I think today is the last day to get the 100k Reserve.

    I'm on the fence. Basically I'm spending $600 for 100k pts (which is probably worth it), then going to auto sliver and shift all my spend there and hopefully buy my way to gold with spend+flights.
     
  3. Where Eagles Dare

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

    **2nd AF. I'm pretty sure you have to pay the AF when you get it.
     
    Whammy likes this.
  4. comrade static

    comrade static i love french fries
    Donor
    Oklahoma City ThunderPhiladelphia EaglesTampa Bay BuccaneersOklahoma SoonersBarAndGrillBig 8 Conference

    what makes you think that today is the last day for that signup bonus amount?
     
  5. Where Eagles Dare

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

    b/c it says it ends on 3/27.

    This is their "new benefits rollout promo" or whatever. I'm sure it'll drop back down

    upload_2024-3-27_16-21-32.png
     
    comrade static likes this.
  6. Where Eagles Dare

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

    God damn it. Son had a disaster of a night going to sleep and disregulated the fuck outta my brain and I forgot to apply last night. Bonus is back to 60k sky pesos.

    Anyone have a better referral for the delta reserve? Lyrtch
     
  7. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    yeah mines only 60k

    welcome to send it to you but imagine if you wait you can do better
     
  8. milquetoast

    milquetoast Firm Security
    Donor
    Florida GatorsNew York MetsTampa Bay BuccaneersNew York Islanders

    Still have a referral for 150K if anyone wants to jump on an Amex Platinum. Spend $8,000 in 6 months, I believe. Easy.

    Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply.

    https://americanexpress.com/en-us/referral/JOHNMv0Y7?XLINK=MYCP
     
    lewis, Where Eagles Dare and Han Solo like this.
  9. Chumbolone

    Chumbolone Wigglin’ my toes on a mink rug…
    Indiana HoosiersNotre Dame Fighting IrishChicago CubsIndianapolis Colts

    Nothing from our experts? Their reputation gives me pause, but 3% across the board for normies seems pretty great.
     
  10. Han Solo

    Donor
    Michigan WolverinesOregon DucksSeattle MarinersPittsburgh SteelersAvengers

    Thank you for this. I signed up last week and my card just showed up.
     
    milquetoast likes this.
  11. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    Most are questioning how they’ll sustain 3% when 2% seems impossible for others. Cashback gets deposited into RH brokerage, not sure how long it has to stay there.

    Still don’t trust Vlad but here’s their reasoning. Basically a loss leader to get folks into RH gold membership?

     
    Chumbolone likes this.
  12. Chumbolone

    Chumbolone Wigglin’ my toes on a mink rug…
    Indiana HoosiersNotre Dame Fighting IrishChicago CubsIndianapolis Colts




     
  13. comrade static

    comrade static i love french fries
    Donor
    Oklahoma City ThunderPhiladelphia EaglesTampa Bay BuccaneersOklahoma SoonersBarAndGrillBig 8 Conference

    I’ll be avoiding that card for mainly spite. Fuck Vlad and robinhood.
     
  14. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Most of us in here seem to choose cards for their travel benefits, so I doubt there will be much interest.
     
  15. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    That and I don’t trust the company
     
  16. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Same. Closed account and deleted a couple years ago. Even before that fall out during the pandemic trading craze.
     
  17. lewis

    lewis Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesAtlanta United

    just signed up - thank you!
     
    milquetoast and Han Solo like this.
  18. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    Apparently there’s now a 175k offer for $8k/6mo for the platinum, but I can never figure out how to get mine to show above 80k.
     
  19. milquetoast

    milquetoast Firm Security
    Donor
    Florida GatorsNew York MetsTampa Bay BuccaneersNew York Islanders

    Thought that was for a business?

    I’m back down to 80k sadly enough
     
  20. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    Who has an American Airlines credit card referral for Ryan mallet
     
  21. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    Just checked, looks like it's inactive right now, at least for my Citi®/AAdvantage® Platinum Select® World Elite Mastercard I have through Citi. Another bank (Barclays?) might have something
     
  22. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    Website has a standing 70,000 miles offer for the executive
     
  23. OJ

    OJ New Member
    Donor

    Your 150k just worked for me.
     
    milquetoast likes this.
  24. milquetoast

    milquetoast Firm Security
    Donor
    Florida GatorsNew York MetsTampa Bay BuccaneersNew York Islanders

    Glad it worked!
     
  25. Handcuffed

    Handcuffed I live inside my own heart, Matt Damon
    Staff Donor
    Seattle MarinersOregon DucksPortland TimbersPortland Trail Blazers

    i had a $1700 fraudulent plumbing charge on thursday and so my card is cancelled

    this makes me want to look around for the best card. i've been using the Alaska Airlines mileage one as my lone CC for years now and i'm up to 600k miles. i just don't fly all that often and i'm no longer in a major Alaska hub city, anyways.

    is there consensus on the best card out there? i'm not looking to swap them every few months to maximize cash offers, just getting a really good one. ohhaithur don't you follow this pretty closely?
     
  26. ohhaithur

    ohhaithur e-Batman
    Donor

    Probably Chase Sapphire still. Which one is up to your needs
     
    Handcuffed and Han Solo like this.
  27. lewis

    lewis Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesAtlanta United

    chase freedom unlimited is a good catch all cash back card, as is the capital one savor one. both are 0 annual fee cards.
     
    Handcuffed likes this.
  28. BellottiBold

    Donor
    Oregon Ducks

    That card has pretty lousy daily value at this point but fwiw if you care about the companion fare at all it may be worth hanging on to as they've made it more difficult to get (new arduous spending requirement) for new sign-ups.
     
  29. bigjrock

    bigjrock Pillsbury Geauxboy
    Donor
    LSU TigersNew Orleans PelicansNew Orleans Saints

    Do you have any use for hotel points or just looking for cash back?
     
  30. Handcuffed

    Handcuffed I live inside my own heart, Matt Damon
    Staff Donor
    Seattle MarinersOregon DucksPortland TimbersPortland Trail Blazers

    just cash back, at least for now

    i did some googling and it sounds like a lot of people recommend the us bank altitude reserve card. idk.
     
  31. bigjrock

    bigjrock Pillsbury Geauxboy
    Donor
    LSU TigersNew Orleans PelicansNew Orleans Saints

    I don't have that one, but from what I understand the big upside on it is if you use mobile payments from your phone a lot. It's annual fee is also on the high side. Here's a good summary.

    https://frequentmiler.com/usbar/

    Other cards may be better if you have certain categories of High Spend. Unles I'm working on a sign up bonus, most of my spend is either on Amex Gold (4x back on groceries and restaurants) or Venture X (2x back on everything). Both of those also come with annual fee's, but have credits that offset most of it.


    If you want to get into "business" cards, the Chase Ink's have some no-fee cards. Amex also has a no-fee business blue cash that offers 2x back on everything with no fee.
     
  32. Whammy

    Whammy Donde es
    Donor
    Alabama Crimson TideVanderbilt CommodoresNew Orleans SaintsChicago BlackhawksAtlanta United

    #15932 Whammy, Apr 28, 2024
    Last edited: Apr 28, 2024
    wolfpck and Lyrtch like this.
  33. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    Any good deals for redemptions going on right now at places that sell appliances? Home Depot, Lowe's etc? 25% bonus on UR for redemptions at clubs is about all I could find
     
  34. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    Donor TMB OG
    Alabama Crimson TideSan Diego Padres

    How long do I need to wait to get the sapphire bonus again? I got mine 5-6 years ago but recently downgraded to a no-AF card. I've been using the Amex gold as a daily driver but I'm not super thrilled with the value so far
     
  35. Where Eagles Dare

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

    Believe it is 4 years
     
    i am a bammer likes this.
  36. GoodForAnother

    GoodForAnother I lost my heart to a Galway girl
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityTottenham HotspurBig 8 ConferenceBig 12 ConferenceCoors LightFormula 1

    I requested a new one too. I have the old 747 card which is black but it completely fell apart in my wallet. Hoping this new design doesn’t have the same issue with plastic peeling off it
     
    Whammy and COVIDiskilingme79 like this.
  37. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Yeah I had to get the old one replaced because it peeled open
     
  38. COVIDiskilingme79

    COVIDiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    "Our planes are going to fall apart rather they are in your wallet or in the sky"
    -Boeing
     
  39. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    I see the preferred is at a 75k offer right now. I have two different Ink business cards and a random chase freedom from downgrading the reserve. Can I refer myself?
     
  40. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I think you can only refer cards you have open?

    I tried my referral link so I can refer my wife and the offer was only 60k. :awshucks:
     
  41. DirtBall

    DirtBall Who Cares?
    Donor
    Kansas City RoyalsChicago BearsSporting Kansas CityPortland Trail Blazers altNebraska Cornhuskers alt

    I just got the Sapphire Reserve to use as my main card. Did I screw up by not choosing the Preferred?
     
  42. ohhaithur

    ohhaithur e-Batman
    Donor

    nope, it's all preference
     
    DirtBall likes this.
  43. lewis

    lewis Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesAtlanta United

    had my airbnb fall through for the UGA game/F1 in Austin, so just booked a Hyatt downtown for 36k points for 3 nights - same room would have been $3,000+. very pleased with myself.
     
  44. beist

    beist Hyperbolist
    Donor

    No but don’t use it as your main card. Get the chase freedom and freedom unlimited to go along with it (no annual fee for either). You’ll get more points on those cards and you can easily transfer them to your sapphire account to redeem.
     
    DirtBall likes this.
  45. DirtBall

    DirtBall Who Cares?
    Donor
    Kansas City RoyalsChicago BearsSporting Kansas CityPortland Trail Blazers altNebraska Cornhuskers alt

    TYFYS
     
    beist and ohhaithur like this.
  46. bigjrock

    bigjrock Pillsbury Geauxboy
    Donor
    LSU TigersNew Orleans PelicansNew Orleans Saints

    This is the way.
     
    lewis likes this.
  47. lewis

    lewis Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesAtlanta United