I love credit cards so much!

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Do you guys mind sharing how many cards you have at one time? I get that many people who churn get a card and cancel it after getting the bonus but what about other cards that you value?
What are your everyday cards that you have held on to?

I just ask because I would like to add maybe the AMex BLue for the 6% on groceries and eventually the Chase Saphire Reserve however I already have a bunch of cards I like for specific reasons and know I wouldn't end up canceling either of these two.

Here are the cards I have:

Amex BCP - 6% groceries
Chase Freedom - 5% categories
Chase CSR - 3% travel & restaurants
Chase CIP - 3% cellphone and internet
Chase Amazon - 5% amazon purchases
Chase Disney - any Disney purchase
Chase SW premier - currently meeting min spend with non-bonus spending
Costco Citi - 4% gas, 2% Costco
Chase CSP - not using currently, will be downgraded to a CFU

I really don't have any 'sock drawer' cards other than the CSP. I'm too new to CC churning to have accumulated many cards. Getting there though :)
 
Amex is killing my wallet with kindness!

Just about a week ago I was complaining where have all the good offers gone, and this week they hit us with Best Buy, Walmart .com, Jet, eBags, Nike... and as I'm looking through my offers, I see 3,000 MR Points offers for Sierra Trading Post and Sun Basket expiring soon that have me interested, and I'm seriously considering switching our Halloweentime Disneyland stay from the Hilton across the street to take advantage of the Marriott offer. And of course, all this spend plays into another spend $3,000 get 6,000 MR Points up to 3 times offer. Well played, Amex.
 
Speaking of Amex. There is a possibility to get $55 of $60 on Amazon. You have to pay with at least 1 MR points, then apply the code AMEX17PRIME

The items you purchase must be sold and shipped by Amazon. Not everyone is targeted or eligible but there is a link to see if you are

https://www.amazon.com/b/ref=as_li_...c7-20&linkId=0441e08de9c73bf7185bcdbeb25c2b76

If you are it will say coupon clipped if not it says "Unfortunately you are not eligible for this offer." I just tried it and it worked for me.
 
I already used the AMEX17PRIME promo earlier this week when it was supposed to expire on 7/11. Just in time for Prime Day. A little sad I can't double dip now, buy Amazon's been giving out a lot of free money to try their numerous features lately.
 

Speaking of Amex. There is a possibility to get $55 of $60 on Amazon. You have to pay with at least 1 MR points, then apply the code AMEX17PRIME

The items you purchase must be sold and shipped by Amazon. Not everyone is targeted or eligible but there is a link to see if you are

https://www.amazon.com/b/ref=as_li_...c7-20&linkId=0441e08de9c73bf7185bcdbeb25c2b76

If you are it will say coupon clipped if not it says "Unfortunately you are not eligible for this offer." I just tried it and it worked for me.

And this is exactly why I need a different Amex that earns MR points (only have BCP). Which one do you recommend?

I keep getting a mailed offer for 60k MR points for whichever Amex card gives up to $200 Uber credit. That isn't real useful to me.
 
And this is exactly why I need a different Amex that earns MR points (only have BCP). Which one do you recommend?

I keep getting a mailed offer for 60k MR points for whichever Amex card gives up to $200 Uber credit. That isn't real useful to me.

I'd hold out until you see a 100,000 MR offer from Amex Plat unless you've already had the card before and this is an offer without the "once per lifetime" language. I grabbed the 60K offer because I'd already had the card at 100K and was targeted for the bonus again. I see some of my best offers that are useful on the Amex Everyday card. I have the no fee version for the moment. It's the only other MR card I have besides the Amex Plat personal and business cards ... for now.
 
For some reason on my dates Swan on the UR site was quite a bit cheaper (point wise) than Dolphin - using my SPG points it was the opposite. I ended up using my UR points. SPG points Dolphin was 10k ~ Swan was 12k / UR Points Dolphin 14k ~ Swan 10k. I know the points valuation is different but I felt the 10k UR points was a better use of points in my situation. We REALLY wanted the Swan because they have queen beds over the Dolphin's doubles. The newly renovated rooms were amazing!!! We were on the 10th floor with a resort view & could see Epcot, Hollywood Studios & The Boardwalk.
amazing! wish I had that happen! enjoy.....
 
And this is exactly why I need a different Amex that earns MR points (only have BCP). Which one do you recommend?

I keep getting a mailed offer for 60k MR points for whichever Amex card gives up to $200 Uber credit. That isn't real useful to me.

The Amex Platinum is what you're getting mailers for. DON'T take the 60k MR points offer! It's the same as the public offer that you can get just by applying on the website. Since Amex signup bonuses are generally once per lifetime, you should never settle for a lower public offer unless you really need the card benefits. There are lots of DPs from people who were successful in triggering a 75k or 100k offer using various tricks. Recently, DoC posted a rundown of the personal and biz Platinums and how to get higher offers for them: http://www.doctorofcredit.com/get-1...usiness-american-express-platinum-cards-ymmv/.

Amex recently raised the AF on the personal Platinum to $550, which is a hefty AF any way you look at it. It's partially offset by a $200 airline fee credit (which is not as flexible as the CSR's travel credit), which a lot of people have had success redeeming for gift cards to certain airlines. When Amex raised the AF by $100, they also added a $200 Uber credit (parsed out over the year at $15/month and $20 more in December), which I just use every month for UberEATS. My wife uses the Centurion Lounge access benefit when traveling frequently, which is much nicer than most Priority Pass Lounges, but there is no Centurion Lounge in DEN so that won't be of much use to you. Amex also includes Priority Pass Lounge access, but you already get that with the CSR and CSR's pass is much more generous (unlimited guests vs. Amex's two guests limit). The Platinum also includes automatic Hilton and SPG/Marriott Gold status upgrades, which is nice since we tend to stay with these chains when we travel. There's also a fee credit for TSA Precheck and Global Entry, but again, you already get that with the CSR. Still, I'm finding a lot of value in my personal Platinum and will probably keep it despite the fee (but not before asking for a retention offer).

All that said, in terms of Amex Offers, I find that I've gotten more and better offers from my Premier Rewards Gold. I've gotten useful offers that I've used for gift cards for Best Buy, Home Depot, Lowe's, Staples, Jo-Ann's, CVS, and now Walmart and Jet, but not the really good Target offer about a year or two ago. I know some really good Staples, OM/OD, Home Depot, and Lowe's offers seem to go only to biz cards. I don't know that there's any method to targeted offers. FrequentMiler recently posted a blog that basically recommended to get every type of Amex card (personal and biz, MR and non-MR) and lots of Amex cards to improve your odds of getting all the offers: http://frequentmiler.boardingarea.com/2017/05/16/amex-offers/.
 
Excited to score 2 things I wanted today. I scored our AA return trip tix for next years Grand Canyon vacation for 12.5k miles each. They have been 20k each, so I was excited to see the lower rate!

I also have been stalking UR portal for Disney resorts for our Feb/Mar trip to WDW. There hasn't been anything available until this morning and now most of the Disney resorts are showing. I already booked Dolphin on Starpoints but wanted to try one night somewhere else, for free. I snagged Poly for a 1 night splurge. I know lots of people go there every time, but we can't afford deluxe resorts normally so I'm excited. Plus we get Magical Express & Magic bands. Yeah!
 
Yay! Just talked DH into applying for the CIP! Now to fill out the app before he changes his mind.

Update: Got the message to call M-F. Hope it's easy info that they want and it's a quick approval :) We've got a trip to Universal at the end of month we could use it on.
 
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Excited to score 2 things I wanted today. I scored our AA return trip tix for next years Grand Canyon vacation for 12.5k miles each. They have been 20k each, so I was excited to see the lower rate!

I had a successful day, too! I'd been racking my brains trying to figure out my UR points redemption and am now doing a sort of weird itinerary- AA flight to Toronto on points (thanks Citi and Barclaycard :) ), then UA (transferred from UR) from Toronto to Edinburgh for next year's Scotland trip. So one leg down, AA and UR (disguised as UA) points used, fees charge to Barclaycard to I'll be able to "erase" them :) I'll probably pay cash for the hotel in Toronto since UR is asking more UR points than SPG is! I'd rather use $$ and earn SPG in this case!

Of course, I have to get us back but I'm pretty familiar with Delta and the return from Edinburgh so that doesn't have me (too) worried--they are asking a lot for their international trips right now but I'm generating quite a number of Skypesos just flying so...hopefully that should be relatively painless.

Yipee! DH kept me on a budget for next year's travels so I'm on track with these redemptions.
 
Yay! Just talked DH into applying for the CIP! Now to fill out the app before he changes his mind.

Update: Got the message to call M-F. Hope it's easy info that they want and it's a quick approval :) We've got a trip to Universal at the end of month we could use it on.

if your DH does not have a legit business, i wouldn't suggest calling... people even don't suggest you to call if you have a legit business. if you do want him to call, make sure you go through this... --> https://www.reddit.com/r/churning/comments/6hclj4/i_survived_the_dreaded_chase_business/
 
And this is exactly why I need a different Amex that earns MR points (only have BCP). Which one do you recommend?

I keep getting a mailed offer for 60k MR points for whichever Amex card gives up to $200 Uber credit. That isn't real useful to me.

This post and my response caused me to go take a look at all the Amex offers and see if there was anything new. I realized I still had a $10 statement credit for spending $50 at Office Depot on 4 cards. They were on the Delta business, SPG business, Platinum business and Platinum personal card. I also saw that I had $15 credit on $75 spend on all 6 cards. That's dangerous.

Excited to score 2 things I wanted today. I scored our AA return trip tix for next years Grand Canyon vacation for 12.5k miles each. They have been 20k each, so I was excited to see the lower rate!

I also have been stalking UR portal for Disney resorts for our Feb/Mar trip to WDW. There hasn't been anything available until this morning and now most of the Disney resorts are showing. I already booked Dolphin on Starpoints but wanted to try one night somewhere else, for free. I snagged Poly for a 1 night splurge. I know lots of people go there every time, but we can't afford deluxe resorts normally so I'm excited. Plus we get Magical Express & Magic bands. Yeah!

Awesome! So glad you were able to get the saver miles award! WOO HOO!

We've only stayed at the Poly once. DH planned a surprise birthday trip for me when I turned 40 and we stayed at the Poly. I managed to find a weekend that I could book the Poly DVC on points so we will be going back in August, 8 years later. I am sure you will enjoy it. The atmosphere is lovely. Congrats on finding it available to book with UR points! Sweet!

I had a successful day, too! I'd been racking my brains trying to figure out my UR points redemption and am now doing a sort of weird itinerary- AA flight to Toronto on points (thanks Citi and Barclaycard :) ), then UA (transferred from UR) from Toronto to Edinburgh for next year's Scotland trip. So one leg down, AA and UR (disguised as UA) points used, fees charge to Barclaycard to I'll be able to "erase" them :) I'll probably pay cash for the hotel in Toronto since UR is asking more UR points than SPG is! I'd rather use $$ and earn SPG in this case!

Of course, I have to get us back but I'm pretty familiar with Delta and the return from Edinburgh so that doesn't have me (too) worried--they are asking a lot for their international trips right now but I'm generating quite a number of Skypesos just flying so...hopefully that should be relatively painless.

Yipee! DH kept me on a budget for next year's travels so I'm on track with these redemptions.

Well done! Ok, I am just a little "jelly" you are going to Edinburgh next year. I love Scotland and Edinburgh is probably my favorite city :goodvibes As you know, we recently got back from a long weekend get away in Scotland. At the airport on the way home we decided to go back again in 2019 and booked with our tour guide. I had never considered using Delta to get there or back so I am glad that you posted it as an option. If the BA travel together doesn't work out as a viable option that year, I will be seeing if racking up some Sky Pesos might be a good Plan B. Congrats on getting some good redemptions!
 
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The Amex Platinum is what you're getting mailers for. DON'T take the 60k MR points offer! It's the same as the public offer that you can get just by applying on the website. Since Amex signup bonuses are generally once per lifetime, you should never settle for a lower public offer unless you really need the card benefits. There are lots of DPs from people who were successful in triggering a 75k or 100k offer using various tricks. Recently, DoC posted a rundown of the personal and biz Platinums and how to get higher offers for them: http://www.doctorofcredit.com/get-1...usiness-american-express-platinum-cards-ymmv/.

Amex recently raised the AF on the personal Platinum to $550, which is a hefty AF any way you look at it. It's partially offset by a $200 airline fee credit (which is not as flexible as the CSR's travel credit), which a lot of people have had success redeeming for gift cards to certain airlines. When Amex raised the AF by $100, they also added a $200 Uber credit (parsed out over the year at $15/month and $20 more in December), which I just use every month for UberEATS. My wife uses the Centurion Lounge access benefit when traveling frequently, which is much nicer than most Priority Pass Lounges, but there is no Centurion Lounge in DEN so that won't be of much use to you. Amex also includes Priority Pass Lounge access, but you already get that with the CSR and CSR's pass is much more generous (unlimited guests vs. Amex's two guests limit). The Platinum also includes automatic Hilton and SPG/Marriott Gold status upgrades, which is nice since we tend to stay with these chains when we travel. There's also a fee credit for TSA Precheck and Global Entry, but again, you already get that with the CSR. Still, I'm finding a lot of value in my personal Platinum and will probably keep it despite the fee (but not before asking for a retention offer).

All that said, in terms of Amex Offers, I find that I've gotten more and better offers from my Premier Rewards Gold. I've gotten useful offers that I've used for gift cards for Best Buy, Home Depot, Lowe's, Staples, Jo-Ann's, CVS, and now Walmart and Jet, but not the really good Target offer about a year or two ago. I know some really good Staples, OM/OD, Home Depot, and Lowe's offers seem to go only to biz cards. I don't know that there's any method to targeted offers. FrequentMiler recently posted a blog that basically recommended to get every type of Amex card (personal and biz, MR and non-MR) and lots of Amex cards to improve your odds of getting all the offers: http://frequentmiler.boardingarea.com/2017/05/16/amex-offers/.

Thank you, Lain. You are always so helpful! Ok, so I will hold out for a 100k offer on the Amex card. $550 is a pretty steep AF imo. Depending on the usefulness of the MR points, which I am so clueless about, I may or may not be willing to keep a card with that fee. I am still on the fence with the CSR but leaning towards keeping it so I cannot justify both cards. Do you or your wife have the CSR? Thinking you must...If so, will you keep the CSR and the Amex Platinum?

I don't think DEN has the Priority Pass lounge either :( We are missing out for such a large airport.

Thanks for the links. Will check those out.
 
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