I love credit cards so much! v2.0 (see first page for add'l details)

[PolyRob]

Without an extra deal both BJ's and Sam's are just below Target at a 4% discount. Only the $150 multipack at Sam's Club online gets close at 4.7% discount so when you add on any other rewards from a CC on top, it edges out Target. But then you factor in that it's a 3pk of $50's so there's extra time involved consolidating and using them. I guess technically if you have a 1.5% card (or better) even the 4% comes out to 5.4% off. Very much a shame that I don't see any warehouse categories yet this year. If you had a 5% category even the 4% discount would come out ahead then.

Thank you! Yeah, for $4-$7 max additional savings on $1,000 I would probably take the 2 digital $500 codes from Target vs waiting for shipping and scratching/peeling up to 20 gift cards. It looks like it may be Target for the last resort chunk! ChasePay and Staples helped me bunch. If only I had another eligible card for the 10x ShopRite promo.

 

[DisneyMandC]

soooo...tell me if this is worth trying..... still working thru P2's MSR for CIP... but reeeeeellllyyyy want that WoH card before offer is gone (feb 1 via email link) aaaaannnnddd that Barclays AA offer is a dream come true. Think it's worth a shot for P2 (4/24) to app today for WoH,and then today or tomorrow for AA card? too soon? I'm thinking MDD,even tho different companies? I was gonna use that last chase slot (hopefully) for Hyatt...and then move on? wwyd?

Is the Hyatt email targeted?

 

[striker1064]

Also a follow up question if you enroll in pay over time for amex. Can you cancel it at some point? I really do not feel comfortable with this for the long term.

Yes, you can chat with Amex to remove the pay over time. There are even some DPs out there of getting the 10k bonus, unenrolling, and getting targeted for it again! But truthfully, as long as you pay off your statement balance in full by the due date, there should be no discomfort - pay over time essentially makes a charge card work like a credit card, with interest terms.

 

[amalone1013]

Ack. Can someone give me a quick rundown of Uni tix and upgrade to AP deal? I seem to recall it being a good deal, and I'm wanting to head there to see what's new....if I can find a deal I can convince DH to do it

It should be super simple to upgrade. I bought 5 day 3 park P2P tickets from UCT for $743 total, value of $852. Then we upgraded to Seasonal APs and got back about $12? total on a gift card. I just worked out what was the biggest price savings from UCT to be the least cash OOP overall. I had a spreadsheet (of course) where I put in the cost of Uni tickets for 1-5 days, P2P, and we did 3park since we were doing Volcano bay. Added tax to those prices. Then looked at what UCT was charging for the same tickets, figured out which was the best savings overall. I was okay with getting the $12ish back on a gift card because we just used it on food we were buying anyways.

ETA: There is a thread on the Uni boards, here is my post over there: https://www.disboards.com/threads/t...-good-to-be-true.3679837/page-8#post-59700491

 

[kidsfirsttrip]

I am on the fence about what I should do. I typically pay for all Disney trip expenses with gift cards. I need about $1,000 more to complete my resort stay. I know Target isn't the best deal, but I think it is currently the best I have available to myself. The only other option I think I have is to use the gift cards I have saved and then do the remaining balance on my CIP for the MSR. That would be 3,000 UR worth $45 when transferred and redeemed on my CSR. I'm thinking the $50 instantly with Target 5% is the simplest option (unless I am missing something or a deal out there).

The $1,000 is not necessary for the CIP MSR. I am already over $1,000 on the card in a week of receiving it and I have an insurance charge coming that will put me way over the telecom bills and regular spend I am already putting on it.

So I do swagbucks. Right now they have a Best Buy deal that gets you 11.5% back. That doesn’t include the cc points and bb rewards. BUT you can only get one card daily and you in turn need to cash the Swagbucks out (PayPal or vgc). I got some fee free visas with the last Amex offer (10% at staples) and took those to BB for 21.5% back.

 

[WVMomof3]

Is the Hyatt email targeted?

I think she emailed herself the link before the 60,000 points offer expired. I also have an email for it that says good through Feb 1. I can forward to you if you want it.

 

[elgerber]

Those of you who have been offered 10,000MRs to sign up for Amex pay over time feature....did the offer come via email or is there a section in my account I should check for it ?

I haven't ever gotten an email, only pop-ups when I log on. So far only on gold cards, haven't gotten it on either of our green cards.

 

[DisneyMandC]

So I do swagbucks. Right now they have a Best Buy deal that gets you 11.5% back. That doesn’t include the cc points and bb rewards. BUT you can only get one card daily and you in turn need to cash the Swagbucks out (PayPal or vgc). I got some fee free visas with the last Amex offer (10% at staples) and took those to BB for 21.5% back.

I did the same with Staples. Plus, BBY has been increased to 4% recently which makes it even better!

 

[DisneyMandC]

I think she emailed herself the link before the 60,000 points offer expired. I also have an email for it that says good through Feb 1. I can forward to you if you want it.

I'm interested!

 

[castoral]

There is no referral for Barclay Arrival + as of right now, correct? I've been helping a friend and she wants to use my referral link....

 

[PolyRob]

So I do swagbucks. Right now they have a Best Buy deal that gets you 11.5% back. That doesn’t include the cc points and bb rewards. BUT you can only get one card daily and you in turn need to cash the Swagbucks out (PayPal or vgc). I got some fee free visas with the last Amex offer (10% at staples) and took those to BB for 21.5% back.

Ahh that is great! I need to look into Swagbucks. I am sad I do not have an Amex (mainly because of all these great deals!), but I am scared and not sure where to start with all the bonus denials. The original idea was to go with a BBP. I guess no bonus shouldn't make Amex too upset. I also contemplate going for the best bonus to ensure I at least get that since it would be my first Amex.

 

[hsmamato2]

Did you ask AMEX about the missing sign up bonus?

thanks for the note y'all... I did Sm and they told me to wait a few more weeks..... I don't expect to see anything tho it's been quite a while

 

[hsmamato2]

It should be super simple to upgrade. I bought 5 day 3 park P2P tickets from UCT for $743 total, value of $852. Then we upgraded to Seasonal APs and got back about $12? total on a gift card. I just worked out what was the biggest price savings from UCT to be the least cash OOP overall. I had a spreadsheet (of course) where I put in the cost of Uni tickets for 1-5 days, P2P, and we did 3park since we were doing Volcano bay. Added tax to those prices. Then looked at what UCT was charging for the same tickets, figured out which was the best savings overall. I was okay with getting the $12ish back on a gift card because we just used it on food we were buying anyways.

ETA: There is a thread on the Uni boards, here is my post over there: https://www.disboards.com/threads/t...-good-to-be-true.3679837/page-8#post-59700491

thank you!!!!

 

[hsmamato2]

I think she emailed herself the link before the 60,000 points offer expired. I also have an email for it that says good through Feb 1. I can forward to you if you want it.

yes I got the emailed link before it expired..... any thoughts on my plan? or too ambitious? P2 score is thru the roof always

 

[PolyRob]

I know there was discussion over a possible CSR referral yesterday. I got an e-mail from Chase advertising refer a friend via the app (I guess it thinks people forgot this existed under the "..." previously?). The new "refer friends" link is not under the CSR in the app either.

 

[WVMomof3]

yes I got the emailed link before it expired..... any thoughts on my plan? or too ambitious? P2 score is thru the roof always

My thoughts are - just when you think you know the rules, they change. And not for the better. So go for it?

 

[hsmamato2]

yes I got the emailed link before it expired..... any thoughts on my plan? or too ambitious? P2 score is thru the roof always

also adding..... p2 is chase/amex heavy...... I'd like to mix some other stuff in there(we both are, but I already have Discover and barclays JB card) ?change anything?

 

[wanderlust7]

Ahh that is great! I need to look into Swagbucks. I am sad I do not have an Amex (mainly because of all these great deals!), but I am scared and not sure where to start with all the bonus denials. The original idea was to go with a BBP. I guess no bonus shouldn't make Amex too upset. I also contemplate going for the best bonus to ensure I at least get that since it would be my first Amex.

First AmEx! You'll definitely want to check for the unicorn 100k Platinum offer. No worries about pop-ups or bonus denials (yet) since you're new with AmEx. Those only seem to happen when spending drops off after MSR.

My plan is to get all the AmEx cards I want while I'm still in MSR (spreading it out) or shortly after while keeping up spending. A lot of unknowns here, so I don't know if this will actually work, we will see!

 

[punkin]

I checked through my old emails and found the Amex pay over time 10K offer. Just signed up. Anyone know how soon those points post?

 

[Tikitoi]

I think someone else mentioned, you can upgrade to CSR later when you need it. You won’t get the bonus, but you will get the travel credit. DH got the CSR, downgraded after a year, then upgraded this year since we have 2 vacations planned and we easily used the credit.

Does doing this reset the 48 month clock?