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

[gretchnh]

Welcome fellow Kansan! Are you open to business cards? Many of us with very small "businesses" or side hustles use those for biz cards that have some more lucrative sign up bonuses, and also to stay below Chase's 5/24 rule. For instance, the Chase Ink Preferred (CIP) has 80k ultimate rewards for a $99 annual fee. The SW Performance biz has a 70k SUB for $5k spend with $199 AF. Are you familiar with the SW CP (companion pass)? Many of us are going for the first of two SW cards right now but waiting to complete the spend till next year to get two years worth of the CP.

I’m open to business cards since I’m perhaps a “party planning” side business. I’m looking at SW premier for 60k points and $99 AF and the Premier for 70k points and $199 AF. What is the better offer in your opinion?

 

[stitchfan18]

There's only certain resorts you can use it at. https://www3.hilton.com/en/resorts/index.html. I believe the Waldorf at WDW is on the list. I used mine separately, but I don't see why they couldn't be used together.

Can the $250 credit be used twice ($250 in credit 2 different years) before cancelling the card? We usually take the same weekend getaway every November, and there is a Hilton that qualifies where we could stay. If we could use the credit in a few weeks, then again next November before I cancel the card, that would be amazing!

 

[smmco]

I dont churn cards but I know what cards I want and my point strategy I have a lot of different products with Amex and chase for this reason. I am that guy that will point it out to my wife the AU card for a gas bonus or point it makes a difference to me at least. I think AMEX is also going after the people who are closing tons of accounts a year it's pretty easy to make an acronym to check it since as an issuer they have access to your credit report. I think this is also why they implemented that once in a lifetime product bonus a few years back.

This is pretty much how I've used my cards.

I've been trying to find AAsaver business class seats from LHR and they're are non-existent. I'm starting to see why the "real frequent flyer platinum advantage members" aren't happy with all the churning. It takes a ridiculous amount of points to fly business class on AA.

 

[palhockeymomof2]

I’m open to business cards since I’m perhaps a “party planning” side business. I’m looking at SW premier for 60k points and $99 AF and the Premier for 70k points and $199 AF. What is the better offer in your opinion?

If you are looking at only SW cards...because you want to earn the CP...I like the premiere for the 60k points and $99 fee
If you are open to Chase UR cards...the Chase Ink Preferred CIP...gives 80k URs with a $99 fee...the URs can be transferred to SW

 

[hsmamato2]

There's only certain resorts you can use it at. https://www3.hilton.com/en/resorts/index.html. I believe the Waldorf at WDW is on the list. I used mine separately, but I don't see why they couldn't be used together.

argggh. in spite of my post saying I don't need this stress I am sooooo tempted...esp. since I'm only 2/24 and free as a bird right now

 

[mmmears]

This is pretty much how I've used my cards.

I've been trying to find AAsaver business class seats from LHR and they're are non-existent. I'm starting to see why the "real frequent flyer platinum advantage members" aren't happy with all the churning. It takes a ridiculous amount of points to fly business class on AA.

.

 

[Calfan]

My Amex accounts are intact as of this morning. Still crossing fingers...

Looks like Amex is clawing back statement credits from a 10% back Dell Amex Offer if you stacked it with the Biz Plat's $100 Dell benefit.

https://www.reddit.com/r/churning/comments/drxnux/_/f6lw922

https://www.reddit.com/r/churning/comments/drxnux/_/f6m1k7n

Amex really is on a rampage. I'm pretty sure I stacked those offers (because as a PP mentioned, you can't choose NOT to use the 10% off if it's on you card), but I also closed my Biz Plat. I just checked my other MR earning cards and Amex hasn't added the $10 back to any of those. Wonder if I'll escape due to having closed the card...

 

[wendow]

argggh. in spite of my post saying I don't need this stress I am sooooo tempted...esp. since I'm only 2/24 and free as a bird right now

You do realize the waived AF offer was pulled last night, right?

 

[punkin]

The Amex closures are scaring me even though I have done nothing to make them look at me closely. My current Amex Gold is an upgrade of a card I have held since 1998. I also have a business blue that I am using semi regularly. DH is AU on my gold and has a Bonvoy, Platinum (both from last year) and an ancient clear that they upgraded to something else with no AF that is permanently sock drawered. DH's platinum AF should post next month and I was planning to have him call for a retention. Now I'm a bit wary. We do have almost 400K points between us. I really don't want to lose them.

 

[reliev]

This is pretty much how I've used my cards.

I've been trying to find AAsaver business class seats from LHR and they're are non-existent. I'm starting to see why the "real frequent flyer platinum advantage members" aren't happy with all the churning. It takes a ridiculous amount of points to fly business class on AA.

pro tip when I used to rack up AA miles ( I now avoid them sorry I just dont like them ) I used to search Qantas for availability and then call them. AA site from what I remember had very limited availability and they just dont care enough to upgrade the site. Delta is great for it but their points are very devalued depending on if you get a sale or not united is also similar.

also, I forgot British airways is also good for searching availability.

Ive been doing basically SW and Delta out of MCO that works for me if I ever moved anywhere else it would be hard if it was an AA hub

 

[reliev]

The Amex closures are scaring me even though I have done nothing to make them look at me closely. My current Amex Gold is an upgrade of a card I have held since 1998. I also have a business blue that I am using semi regularly. DH is AU on my gold and has a Bonvoy, Platinum (both from last year) and an ancient clear that they upgraded to something else with no AF that is permanently sock drawered. DH's platinum AF should post next month and I was planning to have him call for a retention. Now I'm a bit wary. We do have almost 400K points between us. I really don't want to lose them.

The Amex closures are scaring me even though I have done nothing to make them look at me closely. My current Amex Gold is an upgrade of a card I have held since 1998. I also have a business blue that I am using semi regularly. DH is AU on my gold and has a Bonvoy, Platinum (both from last year) and an ancient clear that they upgraded to something else with no AF that is permanently sock drawered. DH's platinum AF should post next month and I was planning to have him call for a retention. Now I'm a bit wary. We do have almost 400K points between us. I really don't want to lose them.

yeah I've been an amex card holder since 04 I wouldn't worry I think they are going after people who are gaming they dont want to lose loyal customer base.

 

[wdwcindy]

I think I am in AMEX pop-up jail. Tried to apply for Amex Gold, screen said I was preapproved but when I clicked submit I got the popup. Then I tried the Amex Everyday Preferred and the same thing happened - pre approved and then the popup. My last Amex was the SPG biz in 3/2018. I also have the Delta Plat Biz received 11/2017 and did a Delta Plat Pers open in 6/2017 and closed 8/2018. Any thoughts on if the Delta open/close is the issue or would your guess be low spending?

That said, I have a large expense pending that I thought I would put on a new card to meet the initial spending requirement for sign up bonus. Besides the 2 Amex, I have Capital One Quicksilver, 2 Chase Disney (no fee), Chase CSR (9/2017), CF (1/2018) and CFU (8/2018) and I am 3/24. I tried for CIP a while back and was denied.

Thoughts on a new card for me??

 

[reliev]

I think I am in AMEX pop-up jail. Tried to apply for Amex Gold, screen said I was preapproved but when I clicked submit I got the popup. Then I tried the Amex Everyday Preferred and the same thing happened - pre approved and then the popup. My last Amex was the SPG biz in 3/2018. I also have the Delta Plat Biz received 11/2017 and did a Delta Plat Pers open in 6/2017 and closed 8/2018. Any thoughts on if the Delta open/close is the issue or would your guess be low spending?

That said, I have a large expense pending that I thought I would put on a new card to meet the initial spending requirement for sign up bonus. Besides the 2 Amex, I have Capital One Quicksilver, 2 Chase Disney (no fee), Chase CSR (9/2017), CF (1/2018) and CFU (8/2018) and I am 3/24. I tried for CIP a while back and was denied.

Thoughts on a new card for me??

do you have a chase unlimited for every day?is that what CFU is? do you care about delta status? you could go for those mqms.

 

[KPK02090]

I applied for a CIP on 10/18 using my DH's link. I was approved the next day, but this is the third Tuesday since I applied and no 20k on his account. Should I be concerned yet? I always worry about the link not working correctly...

 

[wdwcindy]

do you have a chase unlimited for every day?is that what CFU is? do you care about delta status? you could go for those mqms.

Yep, CFU is the Chase Freedom Unlimited. I do fly Delta but Amex isn't being nice to me right now

 

[reliev]

I applied for a CIP on 10/18 using my DH's link. I was approved the next day, but this is the third Tuesday since I applied and no 20k on his account. Should I be concerned yet? I always worry about the link not working correctly...

ive seen it take 8 weeks but most of the time it seems to happen at the end of the statement cycle.

 

[gretchnh]

If you are looking at only SW cards...because you want to earn the CP...I like the premiere for the 60k points and $99 fee
If you are open to Chase UR cards...the Chase Ink Preferred CIP...gives 80k URs with a $99 fee...the URs can be transferred to SW

I’m learning so everyone please bear with my dumb questions.
Im leaning toward the the SW Biz Premier so I can try for the companion pass. I’m looking at the application. I’m assuming sole proprietor. But it’s also asking for a Tax ID. Do you all with side hustles apply for a tax id? When you file taxes do you have to do anything?
I have a tax For my all night prom account, but I really don’t feel comfortable using that tax Id.
Sorry for all of the questions.
I looked at r/churning on Reddit to try to get some info as well. But dang, those people are not nice.

 

[palhockeymomof2]

I’m learning so everyone please bear with my dumb questions.
Im leaning toward the the SW Biz Premier so I can try for the companion pass. I’m looking at the application. I’m assuming sole proprietor. But it’s also asking for a Tax ID. Do you all with side hustles apply for a tax id? When you file taxes do you have to do anything?
I have a tax For my all night prom account, but I really don’t feel comfortable using that tax Id.
Sorry for all of the questions.
I looked at r/churning on Reddit to try to get some info as well. But dang, those people are not nice.

No dumb questions
For EIN you would put your SS number

if you would like to join our private DISchurners reddit group pm
@SouthFayetteFan or @Lain

 

[reliev]

Yep, CFU is the Chase Freedom Unlimited. I do fly Delta but Amex isn't being nice to me right now

I've been eyeing the Hyatt card since they are a great transfer partner they have had 60k sign up bonus I believe it's now 50k.
But I believe this will be my next card as most high-end hotels are capped at 30k a recent trip coming up with bonoys new point system a lot of the hotels I frequent have gone up 2x in points. If it wasn't for the free night I would have probably closed the bonvoy card I have had for years since it was Starwood. I do get gold status from my Plantium card, also so it makes it a little less hard to drop.

Also I love this thread more then some of the Disney threads I would have never noticed this without seeing it in the Disney email, I also think its great that there are people outside of Reddit who are into this as much as I am

 

[WVMomof3]

I’m learning so everyone please bear with my dumb questions.
Im leaning toward the the SW Biz Premier so I can try for the companion pass. I’m looking at the application. I’m assuming sole proprietor. But it’s also asking for a Tax ID. Do you all with side hustles apply for a tax id? When you file taxes do you have to do anything?
I have a tax For my all night prom account, but I really don’t feel comfortable using that tax Id.
Sorry for all of the questions.
I looked at r/churning on Reddit to try to get some info as well. But dang, those people are not nice.

Use your first and last name only (no adding Gretchnh party planner or anything like that) and your SSN as your tax id.