I love credit cards so much!

[Albort]

amex plat (personal version) airline credit resets on Jan 1 or on your anniversary?

jan 1st...
hence you hear about the triple dip in dec...

 

[kidsfirsttrip]

I haven’t jumped on the grAAvy train, and don’t plan to, sadly.

Why not?

 

[Calfan]

1) $50 increments, it's a pain
2) you can apply only one booking online but 3 if you call it, it's a pain

TBH, I fly DL a lot and this year I changed all 3 of my cards earning benefits-2 to American for gc resale, 1 to United for actual fees I knew I'd accrue, not having a CC or status with them. Obviously everyone's situation is different but the gcs aren't user friendly. I actually did have several fees covered by DL that I didn't know would be- flight change fee and the tax on award fees, so there's that to consider as well.

I agrre with this. I have hundreds in DL gift cards that I haven't/cannot use. You cannot pay for seat upgrades, etc with a giftcard. Fares only.

When I called in to apply multiple gift cards once it worked but the call was over an hour talking with a non native English speaker and very painful.

https://www.reddit.com/r/churning/comments/afusa7/comment/ee34o5y?st=JQY55VHW&sh=ea7f4a5d

I don't know if this is a recent change as I don't recall ever using a Delta gift card before, but last week I booked a Delta flight for my daughter online and it allowed me to apply 3 gift cards. It was really easy. It would not work for $+miles reservations, but it was no problem on a cash only reservation.

Thanks so much for the responses. Based on the first several, I was definitely going to ditch the idea of Delta gift cards and just pay cash for my April flights if they fall to something reasonable. In future, if I cancel my Delta Amex, I can use part of the Amex fee reimbursements for bag fees. But I'm wondering if there has been a change in the policy based on trstno1's DP. $50 increments still seems like a pain though...

 

[WVMomof3]

Nope, that was the relationship rates. Right now I have the plain VW account, I made 3k in qualified DD's in December (only needed $500 or 5 debits to trigger the relationship rate) and this is my current Growth account rate:

$1.00 to $2,499.99 0.05% APY
$2,500.00+ 0.10% APY

Based on other responses, it pays to be out of state

I get these same crappy rates. If I put in $50,000 into the highest VW account I can get up to 1.74%. The lowest VW maxes out at 0.1% and the middle VW is 0.65% after $100,000.

 

[disneybirds]

1) $50 increments, it's a pain
2) you can apply only one booking online but 3 if you call it, it's a pain

TBH, I fly DL a lot and this year I changed all 3 of my cards earning benefits-2 to American for gc resale, 1 to United for actual fees I knew I'd accrue, not having a CC or status with them. Obviously everyone's situation is different but the gcs aren't user friendly. I actually did have several fees covered by DL that I didn't know would be- flight change fee and the tax on award fees, so there's that to consider as well.

Completely agree that the $50 GC are a pain. I was able to use 3 online last week in one booking. I think you can use more if you call in. Sometimes I will book the flights as one way tickets to use more of them at a time.

 

[Haley R]

I have a mailer I can give you. It may expire before you are ready for your second one but I should be getting more. I won’t charge I just need you to promise you won’t come to my address and stalk me lol.

Lol I promise I won’t stalk you. I’m not that creepy. If you don’t mind I’d take it

 

[miztressuz]

I get these same crappy rates. If I put in $50,000 into the highest VW account I can get up to 1.74%. The lowest VW maxes out at 0.1% and the middle VW is 0.65% after $100,000.

View attachment 375778

I thought it was those of us in their footprint got the crappy rates but @DisneyMandC is getting a good rate too and VA has branches - so then I thought it was just us in PA/HQ metro area. Maybe it's proximity to a branch, like it's down to the zip code, and not just within the state? Either way, PNC's not winning any favor over here with those numbers

 

[Alexle2007]

I get these same crappy rates. If I put in $50,000 into the highest VW account I can get up to 1.74%. The lowest VW maxes out at 0.1% and the middle VW is 0.65% after $100,000.

View attachment 375778

Pretty sure we are on the same boat since PNC is everywhere around us.

 

[speedyfishy]

Lol I promise I won’t stalk you. I’m not that creepy. If you don’t mind I’d take it

I’ll DM you when I get home. Did you get a personal AA card yet tho? Also, are you sure you are done with Chase. I have the personal mailers that count towards 5/24.

 

[PolyRob]

I get these same crappy rates. If I put in $50,000 into the highest VW account I can get up to 1.74%. The lowest VW maxes out at 0.1% and the middle VW is 0.65% after $100,000.

View attachment 375778

I thought it was those of us in their footprint got the crappy rates but @DisneyMandC is getting a good rate too and VA has branches - so then I thought it was just us in PA/HQ metro area. Maybe it's proximity to a branch, like it's down to the zip code, and not just within the state? Either way, PNC's not winning any favor over here with those numbers

My rates are only slightly better. I guess having 10 branches within a 5 mile radius doesn't help.

 

[MrPTato]

Got DH's Rose Gold card. It's not too pink, lol. Used Grubhub pickup for lunch at work. Spent $12.50. If the 20% off dining applies, then lunch was "free". Went through Ibotta for 4% cashback. Any other stacking opportunities without having to create a new account?

For the airline incidentals credit - since it's a new card, can I put off picking an airline? I may end up having to buy a gift card and sell it. Did a cursory look, looks like Southwest GCs get the best price?

I got mine in today...I surprised how not pink it was to me. May be a keeper color for me.

 

[mmmears]

My AA GCs credited back. Thanks, Amex. Now off to do the rest of them...

Pet rocks

I was thinking that besides our plants, doll names or stuffed animal ones might come in handy.

Going to Disneyland on Friday. I spent an extra 24,000 miles for SO and I to fly in comfort on Delta. Did I make a mistake? (route is DCA-LAX) Only one way but we are tall so I think it’s worth it.

It's a long flight. So IMHO yeah it's worth it. Not sure what level you bumped up to, but we try at a minimum to get extra legroom for those cross country flights. Of course, a better seat is even better.

That happened with me and the Chase Marriott Premier Plus last year. I think it had a $5000 MSR and they were giving me different answers on when that 3 month time frame to spend it ended. Very frustrating!

I didn't even think about how it might affect my MSR time... I'm just annoyed that I'm paying an annual fee for a card that just showed up and has no spend on it at all. They didn't even give me a chance to actually use it. Bad form, Chase...

I got mine in today...I surprised how not pink it was to me. May be a keeper color for me.

Yeah, I really like the color. It's not really pink and pretty tasteful.

 

[elgerber]

Good grief, just got the mail, between the 4 of us (including DS who moved out in August) we have 7 credit card mailers today!

 

[WVMomof3]

I thought it was those of us in their footprint got the crappy rates but @DisneyMandC is getting a good rate too and VA has branches - so then I thought it was just us in PA/HQ metro area. Maybe it's proximity to a branch, like it's down to the zip code, and not just within the state? Either way, PNC's not winning any favor over here with those numbers

My rates are only slightly better. I guess having 10 branches within a 5 mile radius doesn't help.

PNC really doesn’t have much of a presence here. As far as I know, only one tiny branch. Not even in a stand alone building.

ETA looks like they may also have a small branch in one of the University buildings. I never go in there so wouldn’t know about it.

 

[CyndiLouWho]

Well...I’m about 60 days away from trying for AA biz number 2

I’m thinking 2-3 weeks for me

 

[Haley R]

I’ll DM you when I get home. Did you get a personal AA card yet tho? Also, are you sure you are done with Chase. I have the personal mailers that count towards 5/24.

You could probably give it to someone else that might want it more. I think we are going to go for a BoA card first. And no we don’t have a personal card yet

 

[Albort]

You could probably give it to someone else that might want it more. I think we are going to go for a BoA card first. And no we don’t have a personal card yet

what BOA card are u considering?

 

[SouthFayetteFan]

I’m thinking 2-3 weeks for me

Oh cool! When did you get your first AA Biz? Are you planning to do the 95 day plan? You might be our guinea pig for this whole thing haha.

 

[SouthFayetteFan]

what BOA card are u considering?

The correct answer to this question is none. Always None! Jk jk lolol

 

[Albort]

The correct answer to this question is none. Always None! Jk jk lolol

truth be told, is why i ask...

edit: i also forgot, i think 5/24 applies to BOA cards too.