I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

[becauseimnew]

New Amex offer, kind of lame but 5% is better than nothing.

Monthly spend offer: Spend $200, get $10 back for up to 3 months.
Get $10 back as a one-time monthly statement credit, for up to 3 months, by using your enrolled Card to spend $200 in one or more eligible US transactions in any 1 month during the offer period

 

[LilSweetPeaPhoto]

Add me to team silver!

 

[djmeredith]

In 2 weeks Target should drop again (basically always now Friday morning).....another tip would be to use Paypal to check out.....it is processed differently and it makes the checkout process easier. Good luck it seems that a lot more people had success this morning so its possible they are getting ever so slightly easier to get.

I did the hunt for the XBox and PS5 last Christmas. Starting Thanksgiving night, literally 24 hours a day (slept with a Twitch guy’s streaming alert on), and scored multiple of each. My BIL ended up driving several hours picking up a couple of them. Never would have dreamed they would still be scarce a year later. Good luck to those still looking!

ETA: I became obsessed with the hunt! So I know the highs and lows of the search. Lol Hang in there!

 

[wanderlust7]

I did not know this......might be a perfectly fine avenue to go down.

She could also do the BBP would she not just run into the same pop up issue there or is pop up only on the personal side.

Pop up is on the business side too, unfortunately. But some people get the pop up on one card but not on another. I mentioned the BBP since it wouldn't take a 5/24 slot.

If she goes for the card without the SUB, it would lock her out of getting the SUB for an Amex "lifetime", so you do have to be okay with that. There are some DPs of people getting the SUB even though they got the pop-up and weren't expecting to. If you don't mind putting the spend on it, maybe worth the small chance. I think I would try a few more cards before I went down this route though.

 

[havaneselover]

I vote for the silver tone. We just added 2 bathrooms as part of a home addition and I find that the chrome is neutral and kind of "invisible". The gold is more of a style statement which, if that's what speaks to you, go for it! If you get tired of any of it, just think that in a few years, new fixtures will cover a new MSR!

I ended up ordering the Polished Nickel which is sort of a compromise. I love the gold but it definitely turns some people off. So the nickel is warmer than chrome but still a silver tone.

And just found my sconces and knobs on Pottery Barn. Next I need to pick out my counter top but I need to get a sample of my tile to take with me. Finally feel like I'm making progress!

 

[mom2febgirls]

Now that I've earned some rewards I need to plan a trip My DH wants to go to Hawaii for our Anniversary. Together we have 250K URs and (3) 50000 FNC from Marriott. Any tips/suggestions on the best way to use these?

Thanks

 

[wanderlust7]

@LilSweetPeaPhoto and anyone else with expiring Bonvoy FNC - a DP for you.

https://www.reddit.com/r/churning/comments/pz42h5/_/hez9imq

 

[afan]

So fun easywdw blocked me on Twitter. I replied to a post, I even think it was before I went on vacation and apparently he doesn't like his same dry humor/snark when in response to him cause it wasn't anything bad and other people liked it. So cool you want to lose a follower and clicks no problem.

 

[Judique]

There is a Fanatics 20 off 100 offer on all my cards today. It's hiding at the bottom of each page, below all the 'stuff' Amex advertises like stagecoach and other stuff.

 

[Judique]

So fun easywdw blocked me on Twitter. I replied to a post, I even think it was before I went on vacation and apparently he doesn't like his same dry humor/snark when in response to him cause it wasn't anything bad and other people liked it. So cool you want to lose a follower and clicks no problem.

Oh well. I'm sure you won't lose any sleep.

There are so many of these wdw experts out there now. I take most of their stuff with a grain of salt and usually only bother reading them if they come up in a search for something I've maybe googled.

 

[wanderlust7]

Now that I've earned some rewards I need to plan a trip My DH wants to go to Hawaii for our Anniversary. Together we have 250K URs and (3) 50000 FNC from Marriott. Any tips/suggestions on the best way to use these?

Thanks

Which island(s) do you want to go to? Or do you want the awards to influence that?

There are a bunch of Hawaii hotels you can book with your 50k Bonvoy FNCs, but sometimes they go to peak season at 60k, then you can't use them. So I'd start from there, see what you can book with those. URs to Hyatt can often be a great value, so that would be my next step. We were at the Grand Hyatt Kauai and loved it, great use of points. Andaz Maui is another super popular one, but finding availability can be tricky. Have also heard good things about the Hyatt Regency Maui.

 

[afan]

Oh well. I'm sure you won't lose any sleep.

There are so many of these wdw experts out there now. I take most of their stuff with a grain of salt and usually only bother reading them if they come up in a search for something I've maybe googled.

I didn't follow him so much for the Disney stuff but because I enjoy his sense of humor. He's also from up here and a mariners fan and would sometimes tweet about it. But no, I won't lose sleep over it.

 

[wanderlust7]

I am disappointed with this new support offer; both of our Golds had 30K support before with no spending requirement. On my existing Biz Plat I'm seeing a 15K support, and I have an offer expiring today for 150K/$15K MSR for another Biz Plat (looks like NLL). I would take it if I thought it would pull the 4x additional MR support instead of the 15K support I see on the one I have.

Does anyone with a Biz Plat see the 4x additional support offer on their card?

NVM, I found the LL on it. Moot point!

If you saved the link, it might still work. I just tried the 30k Gold link I have saved and mine still works. I'm maxed out on it though lol. Probably unlikely to still work next year?

Your new biz plat will be the better deal, but just in case you had another support you wanted to do.

 

[palhockeymomof2]

I ended up ordering the Polished Nickel which is sort of a compromise. I love the gold but it definitely turns some people off. So the nickel is warmer than chrome but still a silver tone.

And just found my sconces and knobs on Pottery Barn. Next I need to pick out my counter top but I need to get a sample of my tile to take with me. Finally feel like I'm making progress!

For me it was fun and a bit stressful picking everything out for our master bath…probably drove DH crazy bring home tile samples
My daughter was all for everything very neutral..the a gray wood look floor, gray tile etc…but when I brought samples home I just didn’t love it…so decided to go with the black and white theme…white subway tile..black and white floor tile, which we also used in a 3 shelf niche…white sink and all black fixtures.
I love the way it looks and our contractor told me today…he just signed someone up for a bathroom and they want the exact same tiles etc

 

[Killer Fish]

Pop up is on the business side too, unfortunately. But some people get the pop up on one card but not on another. I mentioned the BBP since it wouldn't take a 5/24 slot.

If she goes for the card without the SUB, it would lock her out of getting the SUB for an Amex "lifetime", so you do have to be okay with that. There are some DPs of people getting the SUB even though they got the pop-up and weren't expecting to. If you don't mind putting the spend on it, maybe worth the small chance. I think I would try a few more cards before I went down this route though.

It is such a small SUB anyway at 10k. I think I signed up for it as well originally at 10k. If I can get support for it it would basically be a wash. Wonder how soon I can get a retention bonus for her though....Looks like it was opened 11/24 last year. Maybe I can start fishing for a retention offer next month. That way I have a year to get her out of pop up land.

 

[KPK02090]

Any reason I shouldn't cancel my Hilton Biz? I've had it two years now. I got a retention offer last year of $50 so I held onto it. I don't have any Hilton plans in the foreseeable future. And I figure when I do plan on staying Hilton I'll probably apply for a personal card. Points all stay where they are, right?

 

[wanderlust7]

It is such a small SUB anyway at 10k. I think I signed up for it as well originally at 10k. If I can get support for it it would basically be a wash. Wonder how soon I can get a retention bonus for her though....Looks like it was opened 11/24 last year. Maybe I can start fishing for a retention offer next month. That way I have a year to get her out of pop up land.

You can already start fishing. I got one last year at less than 7 months on my Schwab. There are still DPs of people getting them really early.

 

[platamama]

If you saved the link, it might still work. I just tried the 30k Gold link I have saved and mine still works. I'm maxed out on it though lol. Probably unlikely to still work next year?

Your new biz plat will be the better deal, but just in case you had another support you wanted to do.

You are so thoughtful to follow up on my comment. I ended up using the support link from my new biz plat to open up a biz Lowe's for DH - I'm running out of NAF biz Amex cards to apply for! I haven't even received the card in the mail yet, so I hope I didn't mess up. I did see the support link was different from my other biz plat, so fingers crossed this all works the way it's supposed to. I should get 232,500 MRs if I make MSR using charges over $5K so that I can get the 1.5x on top of the +4x. I've got insurance bills coming up and I'll make a tax payment in Dec with the goal of getting I bonds with the refund, so I have a plan for how to reach MSR.

 

[wanderlust7]

Any reason I shouldn't cancel my Hilton Biz? I've had it two years now. I got a retention offer last year of $50 so I held onto it. I don't have any Hilton plans in the foreseeable future. And I figure when I do plan on staying Hilton I'll probably apply for a personal card. Points all stay where they are, right?

Yes, the points do stay in your Hilton account. They usually expire in a year if there's no activity, though that's been put on hold until 12/31/2022. You might want to put a little reminder for yourself to check-up on it then.

Only reasons I can think of to keep it would be if you wanted to do the 15k spend for FNC or if you value the 10 Priority Passes. Not really good reasons lol. I canceled both mine and DH's when the year was up.

 

[havaneselover]

You can already start fishing. I got one last year at less than 7 months on my Schwab. There are still DPs of people getting them really early.

I need a retention offer on my Amex Business Platinum (anniversary is in December) before I buy my new couches. Trying to hold off on new cards until the beginning of the year to go for a SW CP. Already spent $1600 on Paypal today so more than halfway done with maxing out CF quarterly categories. Maybe I'll give them a call.