Best credit card to pay DVC dues

[Judique]

Sad news if true, especially for new direct purchasers and for dues payments. I would definitely do discounted gift cards and auto draft for dues if that happens. That is what I did this year anyway.

I would probably keep it for a bit at least for the 1.5x redemption bonus. But I could see myself downgrading to the preferred. Or cancelling for a year or so and then signing up for another new member bonus. I haven't done that yet because of the usefulness of the card but if they want to keep raising the price and lowering earning potential, well I gotta get those points somehow lol.

Make that 4 years for any Sapphire bonus. Plus now you can only hold 1 Sapphire.

 

[Tatebeck]

Make that 4 years for any Sapphire bonus. Plus now you can only hold 1 Sapphire.

It actually doesn't matter how long after you cancel it, just how long it has been since you last got a sapphire card bonus. I could theoretically cancel it and apply in a week and get the bonus since I've had the card for over 4 years.

 

[Judique]

It actually doesn't matter how long after you cancel it, just how long it has been since you last got a sapphire card bonus. I could theoretically cancel it and apply in a week and get the bonus since I've had the card for over 4 years.

That's what I said. You have to have 4 years since you received the last bonus. Glad you took a look at that.

 

[Tatebeck]

That's what I said. You have to have 4 years since you received the last bonus. Glad you took a look at that.

You highlighted the part where I said "cancelling for a year or so" and then said "make that 4 years" which definitely sounded like you thought I had to cancel for 4 years. But the right info is out there now so no harm no foul.

And I didn't have to take a look at it, I already knew I haven't had a sapphire bonus for a long time and would be eligible for a new bonus if I wanted, but I have never cancelled and renewed because I do use the 1.5x redemption fairly regularly.

 

[Anthony1971]

One can get a chase Unlimited card (free) which also gives UR points -you can transfer the points to the sapphire- Unlimited has run Paypal sept-dec for a few years as a 5% giving one 6%. Easy to find places to buy gift cards that accept Payapal and sometimes discounted. 1500 max spend. January they run Grocery stores 1500 max spend. Fairly easy to get 6% without looking for sales. BJs last year had discounts early November-mid December on Disney gift cards they accept paypal making it easy to get around 11-12% overall. Same with Target as they accept Paypal and you get the target rewards.

 

[cdurham1]

Let us know know how it codes

So far, it does not look like it coded for 4x, just 1x. Other 4x coded pretty much right away. I thought I would give it a few days to code just in case. But nothing

 

[VGCgroupie]

So far, it does not look like it coded for 4x, just 1x. Other 4x coded pretty much right away. I thought I would give it a few days to code just in case. But nothing

Well darn

 

[VGCgroupie]

Resurrecting this thread. Dues are coming soon. Please post what card you use to get the most back for paying dues directly. Yes gift cards are the most savings options, but curious only about what credit cards are coding dues for, for extra back.

@eticketplease shared that the CSR is coding for 4x

CSR datapoint for DVC Dues.

The CSR continues to code the purchase as Timeshares in the Travel category which Chase is treating as Hotels and I earned 4 points on my $1.

Remember that if you have your $300 credit it will use that first and you will not earn any points on that first $300.

View attachment 1021624

 

[cruisehopeful]

Resurrecting this thread. Dues are coming soon. Please post what card you use to get the most back for paying dues directly. Yes gift cards are the most savings options, but curious only about what credit cards are coding dues for, for extra back.

@eticketplease shared that the CSR is coding for 4x

Bank of America customized cash back is giving me 6% on dues. However, there's a spend cap of $2500 per quarter.
The normal amount is 3% back, but they double it for the first year that you have the card. November 6 is supposed to give an additional 2% back. I'm not sure if it'll stack, but I'm going to give it a try.

 

[VGCgroupie]

Bank of America customized cash back is giving me 6% on dues. However, there's a spend cap of $2500 per quarter.
The normal amount is 3% back, but they double it for the first year that you have the card. November 6 is supposed to give an additional 2% back. I'm not sure if it'll stack, but I'm going to give it a try.

Awesome. I always forget Bank of America has credit cards So is it coding travel for the 3%/6%?

 

[MouseyMin]

Do any of the Citibank cards code DVC as Travel?

 

[VGCgroupie]

Do any of the Citibank cards code DVC as Travel?

There is a DP that Citibank Costco VISA did not code as travel for dues.

 

[MouseyMin]

There is a DP that Citibank Costco VISA did not code as travel for dues.

Yes, I saw that. However, that is not a pure Citibank card. I was wondering if any of the others like DoubleCash consider it to be travel.

 

[PolyRob]

Yes, I saw that. However, that is not a pure Citibank card. I was wondering if any of the others like DoubleCash consider it to be travel.

Double Cash would be a moot point since it's always 2x.

I have a Strata Premier I can try if you're really curious. I know a DVC contract payment did NOT code as "Travel," it coded as "Timeshare" on my Premier.

 

[cruisehopeful]

Awesome. I always forget Bank of America has credit cards So is it coding travel for the 3%/6%?

Yes, I tested it earlier to see how it would code. It works as Travel and it also coded for 3%/6% when I tried it with online shopping as my chosen category. I'm just limited by the $2500 max spend per quarter. But, if you get the card, you can prepay dues quarterly to make it. Since the categories are so generous, I've mostly been using it for online shopping.
DVC dues, ordering groceries online, literally anything that I do online has been getting the bonus.

 

[eticketplease]

So far, it does not look like it coded for 4x, just 1x. Other 4x coded pretty much right away. I thought I would give it a few days to code just in case. But nothing

I know you said your Attune only coded as 1x. Do you know what the transaction actually coded as? Was it Hotels or timeshares?

Travel is not a 4x category on the Attune but the journey gets 5x on hotels and 3x on timeshares

 

[eticketplease]

Yes, I tested it earlier to see how it would code. It works as Travel and it also coded for 3%/6% when I tried it with online shopping as my chosen category. I'm just limited by the $2500 max spend per quarter. But, if you get the card, you can prepay dues quarterly to make it. Since the categories are so generous, I've mostly been using it for online shopping.
DVC dues, ordering groceries online, literally anything that I do online has been getting the bonus.

I believe some people have reported Sam’s and BJ’s counted as online so there’s a possibility to pick up some extra savings with gift cards this way as well

 

[eticketplease]

Yes, I saw that. However, that is not a pure Citibank card. I was wondering if any of the others like DoubleCash consider it to be travel.

Should that matter though? The Costco card is issued by Citi and uses the same underlying coding system I would think. At least this is the case with Chase owned and Chase co branded cards.

 

[airjay75]

I tested dues on my Wells Fargo Autograph card back in July - they coded as travel and that card does get 3% back on travel. I think that's one of the best cash back rates you can do on a no fee card for DVC dues.

 

[eticketplease]

I tested dues on my Wells Fargo Autograph card back in July - they coded as travel and that card does get 3% back on travel. I think that's one of the best cash back rates you can do on a no fee card for DVC dues.

Do you know if it was timeshares or as a hotel specifically?