I love credit cards so much! v6.0 - 2023 & 2024 (see first page for add'l details)

[elgerber]

Good news. I canceled online and the 9000 miles were credited to her account. I think it was because Delta is waiving a bunch of change and cancellation fees up to 8/4/2024 because of their outage, etc. We just lucked out because of it!

We benefited from that glitch too. Been trying to get an earlier flight on our January trip since I booked it in February. Cost was just more miles than I was willing to use. It has just gone up since then. With the glitch I could not change just the flight I wanted to change, without using more miles. But if I changed both flights it let me do it for free. So weird. Coming home a little later than dh wants but I am thrilled to get there earlier for the same cost.

 

[djmeredith]

Replying to you again because I reread your post and noticed you said that you do not really want to churn and do not really want an AF. I feel the same. Here is my (non-churning) strategy:

I have 6 main cards (and a few "sock drawer" cards). I personally don't want to manage more.

CSP - $95AF - I use it very little, but transfer URs from other Chase cards (below). Once the URs are on this card, they can be used for travel. I just opened another one in DH's name(with my support) because there was an elevated SUB. Once my anniversary hits, I will downgrade mine and at some point, hopefully with an elevated SUB, have DH support me to churn this one- then downgrade his. These are the only "churns" I have done/plan to do in about 7-8 years.

CFF - I use this for the 5x rotating categories.

CFU - 1.5x on all spend. Mainly got this for DH since he doesn't want to be bothered thinking about what card to use and doesn't want more than one CC in his wallet. URs also transferred to the CSP. Most of our spend goes on this card.

Amex Everyday - I use this mainly for groceries and a few other things. The MRs transfer to some different travel partners than the Chase URs. I have upgraded to the Preferred with a $95 AF once in the past and then downgraded again after a year because they were offering a nice bonus. I may do this again at some point if the bonus is worth it.

Discover IT - cash back card. 5x rotating categories. I only use this on the rotating categories. I use the cash back to pay the AFs on my other cards. When it builds up beyond that - travel cash.

I also have the no AF Disney and no AF United cards. They get used if there is a good offer on them or if there are 5x categories. So basically only a few times a year.

I would also strongly suggest the CSP, even though it has a $95 AF. In addition to the benefits mentioned above, it offers excellent trip delay/interruption/cancellation insurance that has paid off for me in the past. My trip cancellation claim was around $500 (when I got caught in the SWA 2022 Christmas melt down). It was a fairly painless submission process and that one reimbursement offset the annual fee for 5 years. I always use this card to pay for at least part of my airfare, so that I am always protected.

 

[570traveler]

Just checking if I product change from the Venture to Venture one card, all my points will transfer over. I do have an offer in my account to downgrade.

 

[elgerber]

Just checking if I product change from the Venture to Venture one card, all my points will transfer over. I do have an offer in my account to downgrade.

Yes. I did that and kept all my miles.

 

[Judique]

I would also strongly suggest the CSP, even though it has a $95 AF. In addition to the benefits mentioned above, it offers excellent trip delay/interruption/cancellation insurance that has paid off for me in the past. My trip cancellation claim was around $500 (when I got caught in the SWA 2022 Christmas melt down). It was a fairly painless submission process and that one reimbursement offset the annual fee for 5 years. I always use this card to pay for at least part of my airfare, so that I am always protected.

Plus don't forget the $50 hotel credit. It works in the travel portal. edited to remove incorrect info.

 

[VGCgroupie]

Plus don't forget the $50 hotel credit. It works in the travel portal as well as directly with a hotel.

The terms say travel portal only. They've credited you when direct with hotel?

 

[djmeredith]

The terms say travel portal only. They've credited you when direct with hotel?

I think that is correct, which is one of the reasons I didn't mention it in my post. I prefer to book directly, but this is a good benefit for those who use the portal.

 

[Judique]

The terms say travel portal only. They've credited you when direct with hotel?

I think that is correct, which is one of the reasons I didn't mention it in my post. I prefer to book directly, but this is a good benefit for those who use the portal.

I think you are correct. I've used it twice in the travel portal and not directly. Thanks for clarifying.

 

[lsutigers03]

Does the $20 credit for office supply stores work on an Amex business gold employee card? I ask because I’ve had targeted Amex offers not work when using an employee card.

 

[hsmamato2]

I think it doesn't matter that much since you'll get a prorated refund. If my guess is right, then you're already paying an AF. Something like $0.26/day.

If you took an upgrade bonus, you'll want to make absolutely sure that it's been over a year since Amex will clawback.

I'm feeling pretty dumb here, so what you're saying is I'm already paying the AF,and at some point They're gonna charge me the full $95 when the original card renewal date comes up?

 

[hsmamato2]

Plus don't forget the $50 hotel credit. It works in the travel portal as well as directly with a hotel.

How does that credit work directly with hotel? You mean you can book direct and get the credit? why did I not realize this (wasted years of credits)

 

[miztressuz]

Does the $20 credit for office supply stores work on an Amex business gold employee card? I ask because I’ve had targeted Amex offers not work when using an employee card.

Yes, it's a benefit of the product not a targeted offer to a card, so employee cards can be credited.

From the Flexible Business Credit terms:
Purchases by both the Basic Card Member and any Additional/Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $20 in statement credits per calendar month, for a total of $240 per calendar year in statement credits across the Card Account.

AmEx offers are targeted to specific cards on the account so if the basic card is targeted and enrolled in an offer, then only that card can redeem it. Benefits generally work across the account so any card on the account can redeem. Off the top of my head I can't think of one that doesn't include that first sentence including both card types in the terms.

 

[hsmamato2]

Chase pay over time- One of my purchases says it qualifies for this,says it includes a monthly fee 0f $0 and no interest- has anyone here done this?

 

[djmeredith]

How does that credit work directly with hotel? You mean you can book direct and get the credit? why did I not realize this (wasted years of credits)

The $50 CSP hotel credit does not work if you book directly through a hotel. It only works if you book a hotel through the Chase travel portal.

 

[lsutigers03]

Yes, it's a benefit of the product not a targeted offer to a card, so employee cards can be credited.

From the Flexible Business Credit terms:
Purchases by both the Basic Card Member and any Additional/Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $20 in statement credits per calendar month, for a total of $240 per calendar year in statement credits across the Card Account.

AmEx offers are targeted to specific cards on the account so if the basic card is targeted and enrolled in an offer, then only that card can redeem it. Benefits generally work across the account so any card on the account can redeem. Off the top of my head I can't think of one that doesn't include that first sentence including both card types in the terms.

Thank you

 

[wanderlust7]

I'm feeling pretty dumb here, so what you're saying is I'm already paying the AF,and at some point They're gonna charge me the full $95 when the original card renewal date comes up?

Yes

 

[DogCat]

Very sad! Using a referral from me, P2 was denied the Amex Hilton Honors card. He only has the Amex Hilton Biz and uses it regularly. Also is an employee on one of my cards. Do you think we should try again using the public offer (no referral)?

3 of us were planning to apply for new Amex cards before the FNC offer expires.

 

[DogCat]

Very sad! Using a referral from me, P2 was denied the Amex Hilton Honors card. He only has the Amex Hilton Biz and uses it regularly. Also is an employee on one of my cards. Do you think we should try again using the public offer (no referral)?

3 of us were planning to apply for new Amex cards before the FNC offer expires.

Replying to myself here...
It seems like there are 3 options to apply for the Amex Hilton No Fee card and the Surpass cards.
1 - use a support link
2 - use the public link
3 - use the Doc's NLL link (which I did not plan to use or think we would need to use)

We were hoping to use each other's support links for obvious reasons (but that ship may have sailed). Is it a point against you if you apply first using a support link and then try again with the public offer link?

I have the Amex Hilton Biz and the No Fee Hilton and was planning to get the Surpass. I also have one other Amex biz card (old since 2016).
P2 has the Hilton Biz and wanted the No Fee card (This was denied using the support link from P-1)
P3 has the Hilton No Fee card and wants the Surpass.

What do you think is the best advice at this point? I don't know of any reasons why we would get denied (other than Amex being weird lol). We have not been in PUJ before so I am new at this problem.

 

[afan]

Replying to myself here...
It seems like there are 3 options to apply for the Amex Hilton No Fee card and the Surpass cards.
1 - use a support link
2 - use the public link
3 - use the Doc's NLL link (which I did not plan to use or think we would need to use)

We were hoping to use each other's support links for obvious reasons (but that ship may have sailed). Is it a point against you if you apply first using a support link and then try again with the public offer link?

I have the Amex Hilton Biz and the No Fee Hilton and was planning to get the Surpass. I also have one other Amex biz card (old since 2016).
P2 has the Hilton Biz and wanted the No Fee card (This was denied using the support link from P-1)
P3 has the Hilton No Fee card and wants the Surpass.

What do you think is the best advice at this point? I don't know of any reasons why we would get denied (other than Amex being weird lol). We have not been in PUJ before so I am new at this problem.

Was it an actual denial or puj because those are two vastly different things.

If it's puj, just use the nll, esp if it's better than the public offer. If the public offer is better than try it first and if you get the pop up again then use the nll. No issues doing these and always the way I'd do it if you get the pop up with a referral.

If it's a true denial then you need to find out why before doing anything else.

 

[DogCat]

Was it an actual denial or puj because those are two vastly different things.

If it's puj, just use the nll, esp if it's better than the public offer. If the public offer is better than try it first and if you get the pop up again then use the nll. No issues doing these and always the way I'd do it if you get the pop up with a referral.

If it's a true denial then you need to find out why before doing anything else.

Thanks! I think it was pop up jail because it said something like you are not qualified for this offer, do you want to proceed? I wish I would have taken a screen shot of it cause I can't remember the exact wording. The public offer and the NLL are the same so I will try again using the public offer first.