I love credit cards so much!

Discussion in 'Budget Board' started by FairestOfThemAll37, Jul 18, 2016.

  1. Lain

    Lain DIS Veteran

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    Yep:
     
  2. Lain

    Lain DIS Veteran

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    Yeah, but should we be on the lookout for a retiree on vacation with his wife and two girls or a millennial and his parents?
     
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  4. Lain

    Lain DIS Veteran

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    Oh! When one door closes, another one opens. This is much better than the 65k/$10k tiered offer on the Explorer that just ended 2-3 days ago.

    I want this one too because we can always use United miles, but I’m at 5/24 until March (and I had planned to go for the CIU next.) Hoping this public offer sticks around a bit. Decisions decisions. But easy one for DW! She’s 2/24 (dropping to 0/24 in the next two months) with only 2 Chase biz cards. I was going to get the Explorer for her, but like I said this is much better.

    Thanks for the info @GlamMistress — I hadn’t checked DoC yet. And I’m sorry you’re ineligible for this. Now to go do some trimming on DW’s CLs...

    ETA: Seeing chatter that the offer end date is 3/18/19.
     
    Last edited: Jan 11, 2019 at 8:04 AM
  5. GZanta77

    GZanta77 (fka: uksaint)

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    The preponderance of evidence might lead you to that conclusion......but I couldn't possibly comment. :rolleyes1
     
  6. palhockeymomof2

    palhockeymomof2 DIS Veteran

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    :rotfl2:
     
  7. striker1064

    striker1064 DIS Veteran

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    I also have the Staples 10% offer on my Hilton Biz. Never thought about going there for Disney GCs. Kind of annoying that the in-store pickup option for them still includes the $1.99 fee per GC, bleh. Hopefully the store has physical GCs.
     
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  8. Lain

    Lain DIS Veteran

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    Staples usually carries $50 Disney GCs in store.

    Alternatively, you can do as @amalone1013 suggested, and use the Staples 10% back Amex Offer to take advantage of Staple’s fee-free $200 VGC deal that starts this Sunday, then run those VGCs over to Best Buy to buy Disney Gift Cards, and scanning Swagbucks, $100 per day to maximize a SB return worth $9.50, plus whatever Best Buy rewards depending on your Elite status. Effectively up to ~20% off Disney if you’re comfortable buying VGCs from Staples with your Amex.
     
  9. kidsfirsttrip

    kidsfirsttrip DIS Veteran

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    @wendow i booked rental car drop off at Dolphin on Priceline and hotwire. Just entered the address as drop off.

    Ugghhhh - the exact cruise ship we are going on next month just had a huge Norovirus outbreak!!!! I know the ship will be cleaned from head to toe but eeewwwww......
     
  10. striker1064

    striker1064 DIS Veteran

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    Furiously scribbles notes

    How risky is this? I've not dabbled before now, but if it's not a huge risk I have no qualms. Plus, I'm Elite Plus at Best Buy so that's nice.
     
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  11. Limes96

    Limes96 DIS Veteran

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    You guys are hilarious! I laughed so much catching up this morning. Love it!



    I’m wondering about this too. Is it only during the MSR that buying Visa gc on an Amex is risky? What about after?
     
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  12. Albort

    Albort ODV Crew

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    low volumes are okay. As long as your Amex card isnt on a MSR. As for Best Buy, low volume is okay... the only risk ive seen with best buy is that they reset your account, but this only happens when u hit best buy hard.
     
  13. miztressuz

    miztressuz DIS Veteran

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  14. striker1064

    striker1064 DIS Veteran

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    Well, that's one negative - the only Amex card this was on is an MSR card. Maybe I'll just go for straight Disney GCs to be safe for now.
     
  15. Lain

    Lain DIS Veteran

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    I mean, I ordered $300 VGCs on my and DW’s SPG Biz cards last summer when they had the Staples 10% back Amex Offers (and topped off the then-$1,000 spend limit with $75
    Amazon GCs in store) without any issues. These transactions showed L3 data, so Amex could see what we bought. I don’t think buying VGCs/MCGCs/GCs at Staples/OD/OM is an issue even with L3 reporting if you’re not meeting MSR. I would steer clear of prepaid cards and GCs at office supply stores if working on an Amex MSR. The only issue with clawbacks on the Staples offer was with people who added and used the offer on more than one of their cards. But who knows what the RATs will do these days.

    ETA: I’ll add that Staples always “cards” me (asks for my ID) when buying a prepaid card with a credit card. They almost never card me when buying a GC.

    I guess the only risk on the Best Buy/Swagbucks side is SB may suddenly stop crediting SBs for GC purchases? GCs aren’t supposed to count, but it’s been working since last summer. SB did nerf the amount of bonus points you could earn a few months back, but you can still get $9.50 worth of SBs on a $100 GC purchase (750 SB for making a $100+ in store purchase + 200 SB for 2x SB on $100. Limit 1 bonus per day (so $100/day if you want to optimize the deal), which can be a bit of a chore to keep going back to Best Buy. The 750 SB usually posts in a day or two, but the 200 SB takes about a month). You can cash out via PayPal, buy VGCs, GCs, etc.

    If you’re not signed up for SB, I think there may be some support links on DISchurners. Sign up, sign into the mobile site from your smart phone, search for Best Buy, click on Best Buy coupons, scroll down to Shop In-Store, and click Get Code for your QR code. When the cashier asks for your info for Best Buy Rewards, give that to him/her and then say you also have a Swagbucks code and have them scan it. The cashier has to scan the QR code before proceeding to “checkout”/payment or they’ll have to go back and scan it, otherwise scanning the code at checkout will result in an error (I think the system may think it’s a coupon or form of payment). Then just swipe your VGC for payment (and type in the last 4 digits if you’re using it as a debit).
     
    Last edited: Jan 11, 2019 at 9:24 AM
  16. Lain

    Lain DIS Veteran

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    The Staples offer is good til something like 6/30/19. Can you hit MSR, then save the AO for after MSR? You know fee free and discounted VGCs/MCGCs come around frequently.
     
  17. striker1064

    striker1064 DIS Veteran

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    Yep, I noticed the Staples offer is good for a while. The main reason I was looking now is we're headed to WDW next month, 2/17 to be exact I think. Not certain I'll hit MSR before then, but if I do I can keep it in mind.
     
  18. 1st*toright

    1st*toright DIS Veteran

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    That's exciting. Definitely going to get one - question is whether it will be for me or DH. You can transfer United miles between people, right? Aggregating them under my name so I can book the whole fam under one itinerary. I'm thinking DH will be the one to get the card - I have 2 chase biz cards and am planning to do the CP thing later this year, so I don't want to pick up another just now. DH only has the CIP from chase, so I think he's good to go for another biz card with them :o
     
    Last edited: Jan 11, 2019 at 10:01 AM
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  19. Lain

    Lain DIS Veteran

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    You can, but it's expensive. Transferring costs $7.50 per 500 miles, plus a $30 fee (occasionally waived during promos) per transaction.
     
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  20. Albort

    Albort ODV Crew

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    other consideration is to void it out. Whatever u buy at Staples, add an additional whatever u spend at Staples extra.
    so 1k of disney gc, best if u spend another $1k in case amex decides to not include the 1k at staples.
     
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  21. 1st*toright

    1st*toright DIS Veteran

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    @Lain - Ouch. When I'm doing award tickets, can I have them pull from multiple accounts for one itinerary? Or maybe I buy the tix to Europe through my account and the tix on the way home from his account - I've got a big pile of URs that I can move around and transfer to two united accounts if I need to, although that sounds a little complicated. Never done this with United before, and its going to be a bit more complicated than usual. Any issues with booking one ways on United for award travel? I think we're flying from our home airport to one European city, but may fly back to a different airport (one of the 3 NYC airports) from a different city on the return journey.
     

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