I love credit cards so much! v3.0 (see first page for add'l details)

[chattadisser]

It is a bad time for me as I was going to go buy the cards today. I have to write it all down since I have 9 cards, some with offers some without. I'm only sure of three, my Disney, my sapphire and marriott personal. Guess I'll start with them. And other than the sapphire, the other offers were close to expiry.

I was going to update my index card that I keep all of mine and DH’s offers on this morning. I can’t find them on the website or the app. Hopefully its a temporary thing.

In other news, I was about to pull the 100k Am Ex plat offer in Chrome so I’ve got a new MSR now!!! I haven‘t had one in months so, most of my Christmas presents/expenses will go on that.

 

[elgerber]

My Chase offers were on the website over the weekend, and now they are gone. And I used 3 of them over the weekend, they better still credit.

 

[Alexle2007]

If you had to select between the Hyatt or CSR, which one would you take? The URs will most likely get transferred to Hyatt. I am torn since this will put DH over 5/24 for quite a bit.

 

[Minnie368]

Instant approval for DH for CIC! Yay! I took myself to 5/24 right before Chase started loosening up biz approvals so I'm out of that game for a little while. Applied DH for CIP right after that news came out and he was denied. Waited a month and just went for the 75K/$7,500 offer and approved instantly. Really wanted a CIC anyway for the Staples/OD VGC but when the SUB was only 50,000 I had decided to try for CIP for him to get more UR. Now with the elevated CIC offer, it's not as much of a loss in SUB over the CIP.

 

[fixerupper]

How long does it take to get the CSP card? I was approved on 11/8. The only card showing in my account is my disney card, and we haven't gotten the cards yet.

 

[becauseimnew]

If you had to select between the Hyatt or CSR, which one would you take? The URs will most likely get transferred to Hyatt. I am torn since this will put DH over 5/24 for quite a bit.

I would say that you probably have some Chase Freedom cards that you could upgrade to CSR so I would pick the Hyatt.

 

[becauseimnew]

How long does it take to get the CSP card? I was approved on 11/8. The only card showing in my account is my disney card, and we haven't gotten the cards yet.

It should have shown up instantly on your account. I would give them a call to see what's going on.

 

[wanderlust7]

If you had to select between the Hyatt or CSR, which one would you take? The URs will most likely get transferred to Hyatt. I am torn since this will put DH over 5/24 for quite a bit.

If you have a CSR, not much benefit to having 2 in the family. I'd probably do the Hyatt for the lower AF and annual free night.

 

[LilSweetPeaPhoto]

Okay back to the Platinum question/Chase......

I'm 4/24. I will drop again in late January. I've been eyeing the IHG (free) card. I have the IHG Premier. I like IHG points (especially for my NC beach trips). The free card has an offer of 100k/$2k. The Premier has an offer of 140k/$3k BUT it says "Limited Time Offer" under it. The free card does NOT have that note under it. Prior to this, I think the highest the free card has gotten is 60k. I'm okay holding off on the free card until Jan/Feb IF 100k is the new norm. But the free card got the new elevated offer the same time they bumped the premier card.

Which leads me to my next....is it worth a 5/24 slot for the platinum? Knowing you have another card you really want the points for. The 100k IHG can easily get me 2 beach trips next summer. So I have a usage for those sooner than the 100k MR points. I would honestly be doing the Platinum to start the collection for Ireland I guess (2023).

 

[afan]

Okay back to the Platinum question/Chase......

I'm 4/24. I will drop again in late January. I've been eyeing the IHG (free) card. I have the IHG Premier. I like IHG points (especially for my NC beach trips). The free card has an offer of 100k/$2k. The Premier has an offer of 140k/$3k BUT it says "Limited Time Offer" under it. The free card does NOT have that note under it. Prior to this, I think the highest the free card has gotten is 60k. I'm okay holding off on the free card until Jan/Feb IF 100k is the new norm. But the free card got the new elevated offer the same time they bumped the premier card.

Which leads me to my next....is it worth a 5/24 slot for the platinum? Knowing you have another card you really want the points for. The 100k IHG can easily get me 2 beach trips next summer. So I have a usage for those sooner than the 100k MR points. I would honestly be doing the Platinum to start the collection for Ireland I guess (2023).

The plat won't hit your credit report for a statement or two leaving you at 4/24 longer. And yes, if you want to fly 1st or biz to Ireland in a little over 2 years those mr are going to be way more helpful than the ihg. But you have to switch your mindset to the long game not the short. Or just get both. This plat offer probably won't come back before you'd need it and then you'd be stuck with mr and a harder time getting enough points.

 

[magickingdomprincess]

I’m in need of a new MSR soon and would like to find a biz card to apply for. I’m trying to stay away from Chase for now because I got a CSP about 2 months ago. So far the only two cards that are interesting to me are the Cap One Spark (if it doesn’t really report on your personal credit report) or the Amex Biz Gold. I have some questions on both though:

Amex Biz Gold – the offer I found is for 50k MRs for $5k spend (supposedly an elevated offer from 35k MR’s). Is that a decent offer? Is it worth the $295 AF? I have no MRs yet and not a clear plan of how I’d used them at this point. Upside is Amex might not do a hard pull since I’m an existing customer, which may help with my planned Chase CIU app in Jan.

Cap One Spark Biz 2% Cash – Have there been any/many data points if it really doesn’t report on your personal credit report? I have no Cap One cards currently. $500 SUB for $4500 MSR is attractive. Downside is they apparently pull all 3 credit bureaus.

Any advice would be appreciated. Thank you!

 

[*WDW*Groupie*]

If you had to select between the Hyatt or CSR, which one would you take? The URs will most likely get transferred to Hyatt. I am torn since this will put DH over 5/24 for quite a bit.

I'd take the CSR without hesitation. The URs are easily transferred to Hyatt and also many, many other hotel any airline loyalty programs. Of course the CSP, with the 80K offer (if it can still be pulled) is also very intriguing. I love my CSR and hope that I am successful with my MDD in a month. If not I will PC my CSP to a CSR after a year.

 

[ski_mom]

Okay back to the Platinum question/Chase......

I'm 4/24. I will drop again in late January. I've been eyeing the IHG (free) card. I have the IHG Premier. I like IHG points (especially for my NC beach trips). The free card has an offer of 100k/$2k. The Premier has an offer of 140k/$3k BUT it says "Limited Time Offer" under it. The free card does NOT have that note under it. Prior to this, I think the highest the free card has gotten is 60k. I'm okay holding off on the free card until Jan/Feb IF 100k is the new norm. But the free card got the new elevated offer the same time they bumped the premier card.

Which leads me to my next....is it worth a 5/24 slot for the platinum? Knowing you have another card you really want the points for. The 100k IHG can easily get me 2 beach trips next summer. So I have a usage for those sooner than the 100k MR points. I would honestly be doing the Platinum to start the collection for Ireland I guess (2023).

I don't have a good answer to your questions, but I was wondering where you use your IHG points in NC? We've been wanting to do a beach trip there and I"ve been thinking of getting the IHG card, but I haven't pulled the trigger, because i"m not sure where we would use the points other than visiting DS at his small-ish college town. They do have a nice Holiday Inn Express, but would love other options as well.

 

[*WDW*Groupie*]

If you have a CSR, not much benefit to having 2 in the family. I'd probably do the Hyatt for the lower AF and annual free night.

If you have the CSR I'd consider applying (via support link) for the 80K UR CSP for your dh. I still hold the Hyatt card; I didn't cancel and re-apply last month (would've been 2 years since my last bonus) since I didn't think I'd be able to meet the MSR.

 

[Disneyonmymind]

Some Chase offers are disappearing and others just don't work. I went through Chase Shopping Portal and one of the offers is Free Shipping for $25 minimum at Old Navy. I clicked the link and entered the Code. Nope - no free shipping

 

[LilSweetPeaPhoto]

I don't have a good answer to your questions, but I was wondering where you use your IHG points in NC? We've been wanting to do a beach trip there and I"ve been thinking of getting the IHG card, but I haven't pulled the trigger, because i"m not sure where we would use the points other than visiting DS at his small-ish college town. They do have a nice Holiday Inn Express, but would love other options as well.

My ex-fiance lived in Newport. So I'm partial to the Crystal Coast/Bogue Sound area. I normally stay at the HI express in Havelock. Not super fancy but my platinum status always gets me upgraded. From there it's about a 30 min drive to Emerald Isle or Atlantic Beach. Another option would be Jacksonville, which puts you 30 min from EI and about 45 min from Topsail and a little further is Carolina/Kure Beach.

Someday I might venture to the OBX, LOL. So far I've done AB/EI/PKS/etc (my go to), Topsail, Carolina and Kure. At some point I'll do Wrightsville.

 

[LilSweetPeaPhoto]

Well I went incognito and got the 100K offer.....and the dreaded popup! I put spend on all of my Amex cards. I have 3 now (I just closed the Hilton Biz), Amex Everyday, Hilton Surpass (which is currently maxed in my attempt to hit the $15k) and my Delta Biz gold. All cards have a monthly bill attached and get usage. Any ideas? And like I said, my Surpass has $5k on it right now. Even my hilton biz (I cancelled) had my car insurance tied to it monthly.

 

[shairpdrh]

Scared to ask, but what does it mean when you Chase status line asks you to push zero to talk to someone. I am sure I have seen the answer before, but can't find it using the search. Thanks!

 

[afan]

Well I went incognito and got the 100K offer.....and the dreaded popup! I put spend on all of my Amex cards. I have 3 now (I just closed the Hilton Biz), Amex Everyday, Hilton Surpass (which is currently maxed in my attempt to hit the $15k) and my Delta Biz gold. All cards have a monthly bill attached and get usage. Any ideas? And like I said, my Surpass has $5k on it right now. Even my hilton biz (I cancelled) had my car insurance tied to it monthly.

No one knows. Could be becauae you just closed the biz or could be other things. Hard to say esp if you put reg spend on. Course they may want more spend

 

[wanderlust7]

I’m in need of a new MSR soon and would like to find a biz card to apply for. I’m trying to stay away from Chase for now because I got a CSP about 2 months ago. So far the only two cards that are interesting to me are the Cap One Spark (if it doesn’t really report on your personal credit report) or the Amex Biz Gold. I have some questions on both though:

Amex Biz Gold – the offer I found is for 50k MRs for $5k spend (supposedly an elevated offer from 35k MR’s). Is that a decent offer? Is it worth the $295 AF? I have no MRs yet and not a clear plan of how I’d used them at this point. Upside is Amex might not do a hard pull since I’m an existing customer, which may help with my planned Chase CIU app in Jan.

Cap One Spark Biz 2% Cash – Have there been any/many data points if it really doesn’t report on your personal credit report? I have no Cap One cards currently. $500 SUB for $4500 MSR is attractive. Downside is they apparently pull all 3 credit bureaus.

Any advice would be appreciated. Thank you!

There's also currently a tiered offer for 60k and $7500 total spend. The previous high was 75k and $10k spend. The AF is high without much to offset it. If you have cross-support you can use and/or can use the elevated categories, it will make more sense.

Came across a cool site with a plot of historical offers:
https://www.uscreditcardguide.com/amex-business-gold-rewards-card/