I love credit cards so much!

[gottalovepluto]

I’ve done 14x $50 runs to BBY.

Wow- I’m on 4 and debating if another run of 6 is really worth it!

 

[PolyRob]

You can do the double dip first. Then wait a few months before doing the CIP. The bonus for the CIP has been at 80k for a while.

I think most do the CIP first bc its 80k for $5000 spend. Plus it doesnt add to your 5/24

Ahh that makes sense. I really have to look if the CIP will be beneficial for me besides the 80,000 UR points. I am still on the fence about the business card. I think I am leaning towards the sapphire double dip first. I have an $8,000 plan in excel over the next 3 months. I figured plan for the highest and I can always hold off on some charges if I do CIP.

The value in UR points is that they are variable and can either transfer to an airline partner that suits your needs or be used to purchase travel. I've done both with UR. I've transferred 50,000 points to United in order book a $7,000 Paris flight in first class as a saver award. I've also used 180,000 or so UR points to purchase a flight to Iceland up front that was $2900 I didn't want to spend.

Theoretically yes. The times I have searched to compare pricing with what is on the UR site to what is on an airline website it is about the same. I know that it isn't 100% always the same. I recall when i was searching for the Iceland flights out of both FLL and MIA there was one flight that was not the same price on the UR portal as the airline website's pricing. It wasn't a flight I wanted but if it would have been I would have called them up and had them look into the pricing difference.

Those with a mortgage that use Plastiq and their CIP will tend to keep it since they can generate UR points which exceed the annual fee and the Plastiq fee. Someone like me, with no mortgage, would likely product change that card to a no fee Ink Cash card. The Ink Cash (CIC) earns 5x on phone, internet, cable and office supply stores, 2x on gas an restaurants. Office supply store purchases are what generate the bulk of my UR earning because Staples and Office Max sell gift cards. We spend a lot of our vacation budget on Disney. Therefore, we purchase Disney gift cards at office supply stores using the Ink cad for 5x. Between DVC annual dues on 1300 points, a Disney Cruise or 2 each year, annual Adventures by Disney trip, Annual Passes, going to WDW 10 - 20 times per year we generate a lot of UR points with the 5x Disney GC purchases alone. Add Amazon GCs and other 3rd party merchant gift cards plus Visa gift cards when there is a promo and well, you get the picture.

Wow, great use of those UR points! Glad to hear you can call and inquire about the price difference if one exists.

I am hesitant on the CIP since I am not sure if I would maximize value from it besides the 80,000 UR points. Switching it to the CIC for 5x on office supply and 2x on gas sounds tempting. You really do maximize those rewards! I have been using my Target RedCard to purchase Disney gift cards with a 5% savings. I guess I have to calculate the difference between the immediate 5%, and the 3x CSR UR points and 1.5 max redemption rate to see if charging Disney expenses would get me more than Target. I know it will definitely help with airfare. Right now I am only getting 1%.

 

[speedyfishy]

Dh is going to try moving up our next statement date. How soon is too soon? What should he move it to? It’s currently set for August 25

My successful DP was moving it up 9 days idk how much you want to try and push it. Just make sure you owe something on the card. (Don’t pay of the balance until the statement closes) it also took a few days after statement close for the points to post. My close date was the first and they posted today.

 

[MrPTato]

I’ve done 14x $50 runs to BBY.

I think I read somewhere that the promo is once a day now? I need to plan my haul for our upcoming cruise.

 

[Haley R]

My successful DP was moving it up 9 days idk how much you want to try and push it. Just make sure you owe something on the card. (Don’t pay of the balance until the statement closes) it also took a few days after statement close for the points to post. My close date was the first and they posted today.

Dh tried to move it from the 25 to the 4 and it wouldn’t let him. I’m not sure why he tried to move it to today lol. He’s going to try 9 days early and see what happens

ETA: It told Dh that he can’t change it because he changed it within the last 180 days which isn’t true because it didn’t even let him change it before. I’ll probably just have to call again...sigh

 

[Lain]

I think I read somewhere that the promo is once a day now? I need to plan my haul for our upcoming cruise.

Yup.

 

[babyready]

Has anyone done the Retailmenot offer for Staples, and received a pending notice? I bought the mastercard GC but no pending notice. Wondering if it takes longer since it's online only??

Did you have a retail me not offer for staples? I thought I did and went and made my purchase with my linked CSR. Then I checked and couldn’t find a staples offer anywhere. Turns out I got it mixed up with my Amex offer.

I’ve done a bunch of retailmenot offers in the last week and they are taking a while to post. Most of the ones where I bought gcs only are all still pending. But so are some other ones that were actual purchases, so who knows?

 

[babyready]

Speaking of the BB offer on gc...

I got a new phone and I can’t generate a BB QR code for anything on the Swagbucks app. Just goes to the website every time? If anyone has advice, would love to hear it!

 

[Lain]

Speaking of the BB offer on gc...

I got a new phone and I can’t generate a BB QR code for anything on the Swagbucks app. Just goes to the website every time? If anyone has advice, would love to hear it!

Log into SB on your phone’s browser. Search for BBY, scroll down, and you should be able to generate a QR code there.

 

[wendow]

Did you have a retail me not offer for staples? I thought I did and went and made my purchase with my linked CSR. Then I checked and couldn’t find a staples offer anywhere. Turns out I got it mixed up with my Amex offer.

I’ve done a bunch of retailmenot offers in the last week and they are taking a while to post. Most of the ones where I bought gcs only are all still pending. But so are some other ones that were actual purchases, so who knows?

Yes, I had an online offer for $10 off $75 through RMN. The Walgreens have all gone pending right away so just was curious. I've done other offers through RMN in the past but I cannot remember how long it took for them to show up in the account as pending.

 

[babyready]

Yes, I had an online offer for $10 off $75 through RMN. The Walgreens have all gone pending right away so just was curious. I've done other offers through RMN in the past but I cannot remember how long it took for them to show up in the account as pending.

Mine are all over the board. Some in a couple of days and several still pending after a week.

Oh and one not in there at all. Probably will reach out on that one soon. It was a Sam’s one And I bought groceries not a gc!

 

[babyready]

Log into SB on your phone’s browser. Search for BBY, scroll down, and you should be able to generate a QR code there.

Ugh. That is exactly what I am doing but it goes to the website every stinking time! So frustrating!

 

[Lain]

Ugh. That is exactly what I am doing but it goes to the website every stinking time! So frustrating!

Are you clicking the Coupon & Details text (not the Shop Now button)?

 

[wendow]

Applied for Marriott Biz...30 days...whomp whomp...Is instant approval even a thing anymore with Chase??

 

[Albort]

well, this is a first for me... i just put transferred BA miles for flights to Seattle. first 2 nights of hotel booked... having trouble finding a decent redemption... i think i may end up moving more into hyatt for 2 rooms, king beds.

woooo weee... close to 3 years, finally making a huge redemption.(sorta) lol

 

[Alexle2007]

Dh tried to move it from the 25 to the 4 and it wouldn’t let him. I’m not sure why he tried to move it to today lol. He’s going to try 9 days early and see what happens

ETA: It told Dh that he can’t change it because he changed it within the last 180 days which isn’t true because it didn’t even let him change it before. I’ll probably just have to call again...sigh

I adjusted mine via SM. You could try that if you don’t want to call.

 

[pinkxray]

I am coming up on my year anniversary of having the CIP. I haven’t used it much and think I would be better off having the CIC. How do I pc it? Do I have to wait for the annual fee to post and then SM?

 

[babyready]

Are you clicking the Coupon & Details text (not the Shop Now button)?

That’s the problem, I can’t. It’s just one button, no matter where I click, if that makes sense? I guess I can generate them at home and print? So much more work!

 

[zobow02]

Does anyone still get the visa cardholder discount on rooms?

 

[Ngwira]

Spring break trip slowly coming together. Flights booked using JetBlue points. 1 night in NYC and 4 nights in Vegas. 4 nights of the trip covered using various hotel points. Needed one night paid with cash. Found the Palazzo on Hotwire for $110 plus resort fee. Rates are hovering around $350 with taxes and resort fee so snatched it up.