Direct Add On Now 25 pt Min on all Resorts!

[Potigant]

I added this on the other thread, but this is very tempting for me at CCV as my contract is a tad short for my usual trips there now that we’re doing more 1BRs:

25pt add on, with an August UY and now in July you get all your 2024 points…

I’ve been hunting for a 50pts CCV but they’re always stripped and priced around $150.

Yeah it’s still cheaper in theory with resale, but once you account for a credit card SUB, things look pretty good.

When you talk about credit card sign up bonuses, are you already putting all of your every day spend towards a SUB and getting an additional card on top of that for the DVC contract? If you are earning 2-4% on regular spending that could have instead been used to earn the same SUB as you are using for the contract, the “savings” on the contract is a bit deceiving.

 

[davidhr]

When you talk about credit card sign up bonuses, are you already putting all of your every day spend towards a SUB and getting an additional card on top of that for the DVC contract? If you are earning 2-4% on regular spending that could have instead been used to earn the same SUB as you are using for the contract, the “savings” on the contract is a bit deceiving.

Yes. I play this churning game all the time so I consider I’m “losing” some I was already going to spend on another card. But when you open a card with a high SUB, like a business Amex gold, I get like 15% back during the period I’m building that spend, so even if I say it’s only 10%, it’s much more than what I get with other cards.

 

[Potigant]

Yes. I play this churning game all the time so I consider I’m “losing” some I was already going to spend on another card. But when you open a card with a high SUB, like a business Amex gold, I get like 15% back during the period I’m building that spend, so even if I say it’s only 10%, it’s much more than what I get with other cards.

Fair enough. My point is if you put *any* other spend towards a non sign up bonus, you’re not saving as much as the simple math of ex: $5000 spend = $1000 in rewards / savings on a contract leads you to believe. It may make it easier to talk yourself into buying more DVC points though.

We’ve opened about 14 cards in the last 12 months so I feel I’d be scraping the bottom of the barrel to find additional cards to extract 15ish% off a DVC contract.

For the average person out there reading this and then opening a credit card to buy the contract then using their Citi double cash back the rest of the week I think their deceiving themselves on the contract savings.

 

[eticketplease]

Fair enough. My point is if you put *any* other spend towards a non sign up bonus, you’re not saving as much as the simple math of ex: $5000 spend = $1000 in rewards / savings on a contract leads you to believe. It may make it easier to talk yourself into buying more DVC points though.

We’ve opened about 14 cards in the last 12 months so I feel I’d be scraping the bottom of the barrel to find additional cards to extract 15ish% off a DVC contract.

For the average person out there reading this and then opening a credit card to buy the contract then using their Citi double cash back the rest of the week I think their deceiving themselves on the contract savings.

I don’t think most of us are average that are on this particular thread, but I agree the City double cash that only earns 2% (no idea what the bonus is) is not ideal in this situation

 

[davidhr]

Fair enough. My point is if you put *any* other spend towards a non sign up bonus, you’re not saving as much as the simple math of ex: $5000 spend = $1000 in rewards / savings on a contract leads you to believe. It may make it easier to talk yourself into buying more DVC points though.

We’ve opened about 14 cards in the last 12 months so I feel I’d be scraping the bottom of the barrel to find additional cards to extract 15ish% off a DVC contract.

For the average person out there reading this and then opening a credit card to buy the contract then using their Citi double cash back the rest of the week I think their deceiving themselves on the contract savings.

You're right about that. But I don't think it's needed to overcomplicate this.If they're getting $1000 back that they wouldn't have received otherwise, it's fine if they want to consider all of those savings as DVC.

I'm also running out of great SUBs

 

[MouseyMin]

Chase codes DVC purchases as travel. Amex does not.

How about Citibank? Does anyone know?

 

[VGCgroupie]

How about Citibank? Does anyone know?

Someone tried Citi and it did not code as travel unfortunately

 

[MouseyMin]

Someone tried Citi and it did not code as travel unfortunately

Thank you! I had a feeling!

 

[VGCgroupie]

When you talk about credit card sign up bonuses, are you already putting all of your every day spend towards a SUB and getting an additional card on top of that for the DVC contract? If you are earning 2-4% on regular spending that could have instead been used to earn the same SUB as you are using for the contract, the “savings” on the contract is a bit deceiving.

I only get new cards for sign up bonuses when I have one big ticket item I know I need to purchase, especially now that banks have tightened ropes a bit on new cards and subs. For everyday spend I don't do that for new cards, I prefer to keep my new card slots open and use the best credit card for the category of the everyday items I am buying ie groceries, dining. I don't often have purchases that are thousands of dollars at once. So for me the savings is not deceiving.

 

[PolyRob]

Fair enough. My point is if you put *any* other spend towards a non sign up bonus, you’re not saving as much as the simple math of ex: $5000 spend = $1000 in rewards / savings on a contract leads you to believe. It may make it easier to talk yourself into buying more DVC points though.

We’ve opened about 14 cards in the last 12 months so I feel I’d be scraping the bottom of the barrel to find additional cards to extract 15ish% off a DVC contract.

For the average person out there reading this and then opening a credit card to buy the contract then using their Citi double cash back the rest of the week I think their deceiving themselves on the contract savings.

I'd put groceries on my Strata Premier for 3x... not the DC! JK, jk, jk

In all seriousness though I have to be careful if I know there is a chance I may return something or want dispute power when hitting a sign up bonus on a card.

CSR was always my DVC deposit card since 3x was so simple and I could always do my new cards later. RIP CSR categories

 

[VGCgroupie]

I'd put groceries on my Strata Premier for 3x... not the DC! JK, jk, jk

In all seriousness though I have to be careful if I know there is a chance I may return something or want dispute power when hitting a sign up bonus on a card.

CSR was always my DVC deposit card since 3x was so simple and I could always do my new cards later. RIP CSR categories

100% I did do some regular everyday spend when I needed to hit my 20k on my Gold and it was stressful making sure everything counted (venmo, GC, charity doesnt) and if I did any returns.

 

[Potigant]

100% I did do some regular everyday spend when I needed to hit my 20k on my Gold and it was stressful making sure everything counted (venmo, GC, charity doesnt) and if I did any returns.

Returns can be tough. I haven’t had to test it (that I recall) but I’ve read several times that Chase does not claw back a SUB or punish in any other way if you were to return something and drop back below the MSR. I definitely would be conservative and spend some extra for cushion on an Amex.

 

[Ruttangel]

I really should click ignore thread but something is dragging me back in

 

[Sprinkles&Sprints]

I'd put groceries on my Strata Premier for 3x... not the DC! JK, jk, jk

In all seriousness though I have to be careful if I know there is a chance I may return something or want dispute power when hitting a sign up bonus on a card.

CSR was always my DVC deposit card since 3x was so simple and I could always do my new cards later. RIP CSR categories

Re: CSR - Has this actually gone into effect yet? I had it in my head that existing cardholders had until October to see changes?

 

[eticketplease]

Re: CSR - Has this actually gone into effect yet? I had it in my head that existing cardholders had until October to see changes?

10/26/25 for us existing cardholders.

 

[Sprinkles&Sprints]

10/26/25 for us existing cardholders.

Phew! I need to get in one more direct purchase