I love credit cards so much!

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NOW, I'm looking at getting the Chase Ink or Ink+ card. Reading back through the notes that I took from this thread, it seems like it might be a good strategy to apply for the Ink+ to get the higher bonus points and then downgrade to the Ink card when the annual fee hits for the 2nd year. Does that sound right? Basically after the first year, you would just be giving up the opportunity to earn the 5x points on the category spend on any amount over $25,000 for the year. Is that right? I really think the $25,000 would be plenty, but I'd know for sure after the first year.

There is actually 3 ink cards now. Ink+, Ink Cash, Ink Preferred(new).
Ink+ = 5x on office supplies, cable/phone bills, 2x gas and hotel. 60k(70K possible) UR pts after 5k, first year NOT waived(online only) | 70k UR pts after 5k, first year waived YMMV in branch
Ink cash = 5x on office supplies, cable/phone, 2x gas and restaurants.
Ink Preferred(confirmed) = 3x on travel, telecom, advertising(rumored) | 80k UR pts after 5k, first year waived.(rumored)

Now the question is, do you have a legit business. If you do, u can go into branch to apply. its 70k bonus + theres a chance u can get the 1 year waived. If you do not, it is best to do it online. If you do get the requires review, DO NOT call until you get the rejection letter. This is different that personal cards.

Keep in mind though, the Ink+ is like the CSP/CSR, they can transfer to partners. your ink cash cannot. You will need to keep your CSR/CSP around to make the Ink Cash card worth it.
 
Warning: TLDR; :) I'm rambling about which cards I signed up for to get 6 people to Barcelona and the difficulties of a newb navigating miles databases.

Two months ago -- pretty much to the day -- I found this thread. I was facing the task of getting my family of 6 to Barcelona for the cheapest fare possible (since I was spending my parents' money). I was looking at rock bottom prices of about $415 per person. But you guys got me thinking.

I searched for flights from the East Coast to Barcelona (I was willing to take any airport from Boston down to DC), and found consistent reward availability on a United direct flight from Newark to Barcelona. Realizing that I could accommodate my whole party in economy very easily, I set my sights on business class. The United flight would cost 57,500 miles per seat, but partner business saver awards were pricing at 70,000 miles, so I wanted to be sure I had enough of a cushion that I could pay the higher fare if necessary. Turns out it was good that I did. Here's how it worked out:

Each of the 4 adults applied for a United Visa card. With $1,000 spend and a charge by the authorized user, that gave each adult ~36,000 miles. That's 4 cards worth of spend: 2 cards spend was accomplished by each household prepaying $1000 worth of propane (that's about 2 months' worth of heating here in New England). I completed my other spend by paying some work-reimbursed expenses and buying $750 worth of grocery gift cards for spending that I had already budgeted. My dad completed their second spend with household expenses.

To get us up to 57,500 each, my mom and I applied for the Chase Sapphire Preferred. The 55,000 sign-up bonus, with the 4,000 points generated by the spend itself, got my parents up to 65,500 miles each: enough for the United flight. My dad has had a Freedom card for a long while now, and had 12,000 points sitting in that account. So they were set even if I had to go up to 70k in airfare.

It was a bit more complicated for us. Even with the bonus miles I got paying $4,000 down on the cruise to meet my CSP spend, we were just covering my and my husband's airfare -- still two kids to consider! The timing on this is funny, because the night I applied for my CSP I called Chase recon, and they explained how busy they were because of this big new card that had just debuted that day: the Chase Sapphire Reserve. WOOHOO!! I immediately had my husband apply, met the spend by paying off another $4,000 of the cruise and got 3x points for that.

The final bit was that we were scheduled to visit my in-laws in Japan at the end of September. My DH had booked us on ANA, and so I was able to have our miles credited to our United Miles Plus accounts. The only annoyance there was that the kids ended up with their own mileage accounts. No big deal, right? Chase lets you transfer points to household members, right?

The night before the reward tickets became available on United's site and the night before the very last of our UR points posted with our credit card statements (talk about nerve-wracking), I tested out how to transfer UR points to my children's Miles Plus accounts... except... I now find out that you can only transfer to a person who is in your household AND an authorized user on the account. Oh, and you can only transfer to ONE authorized user, chosen for the entire year. EEEEEP. I quickly added my daughter to my CSP account, but I'm NOT about to pay $75 to add my son to my DH's Reserve card. It's 6pm -- only 7 hours before the tickets will become available -- and I'm informing my DH that he has to apply for a CSP *right now* and add our son as an AU. LOL Poor man was eating dinner and talking to recon because I typo'd our income on the application. The awesome news is that his CSP was approved and immediately appeared on the Chase website, so I was able to use it to transfer points to my son's Miles Plus account that night. WHEW!

After that, it was pretty simple. United totally up-ended availability on their direct to Barcelona flights, so I had to get creative to find room for all 6 of us in business class on one flight. Still, a 9.5 hour stop-over in Vienna means Schonbrunn Palace and time for a nice lunch and a peek at the downtown area. There was a bit of a snafu with the short hop flight from Vienna to Barcelona: when I started it showed availability for 6 people, but, after booking my children's flights, that flight totally disappeared from United's system. I've talked to 4 different agents and none of them could do anything, even though the flight is there with oodles of reward seats the day before and the day after. Ah well: the UR points from my DH's emergency CSP will more than cover purchasing those tickets separately. :)

Aaaaand, in the meantime, I got awfully jealous of my husband's CSR, so I had to get one for myself. :rolleyes1 Turns out the sign up bonus is just what I need to put us up for 2 nights in a lovely hotel in the Gothic Quarter of Barcelona.

:goodvibes:goodvibes:goodvibes:goodvibes:goodvibes
Wow! Can you be our personal travel assistant?
 
I've followed this thread from the beginning and appreciate all the help! Last week I applied for the CSR in DH's name since he has the Chase Freedom in his name. He was instantly approved and we are now working toward the minimum spend to get the 100,000 point bonus. As soon as he was approved, I was able to move his UR points into the CSR account and I booked a cruise at the 1.5x value of the points. I know a lot of people get much better value from transferring to airlines points, but right now, we are only flying within the US and we have LOTS of Southwest points to use.

So, for us, it was a great win to get a highly discounted 9 day Southern Caribbean cruise with points we already had sitting there. We waited until we got the card in the mail and paid the balance with the new card and our $300 travel award has already posted!

NOW, I'm looking at getting the Chase Ink or Ink+ card. Reading back through the notes that I took from this thread, it seems like it might be a good strategy to apply for the Ink+ to get the higher bonus points and then downgrade to the Ink card when the annual fee hits for the 2nd year. Does that sound right? Basically after the first year, you would just be giving up the opportunity to earn the 5x points on the category spend on any amount over $25,000 for the year. Is that right? I really think the $25,000 would be plenty, but I'd know for sure after the first year.

Thanks for all the great advice everyone! This is an awesome thread!

If you downgrade to the Ink cash card your UR points will be less valuable unless you are able to transfer them into a CSR or CSP account. So as long as you keep one of the premium cards open then your points will have more value. I hope that helps.
 

There is actually 3 ink cards now. Ink+, Ink Cash, Ink Preferred(new).
Ink+ = 5x on office supplies, cable/phone bills, 2x gas and hotel. 60k(70K possible) UR pts after 5k, first year NOT waived(online only) | 70k UR pts after 5k, first year waived YMMV in branch
Ink cash = 5x on office supplies, cable/phone, 2x gas and restaurants.
Ink Preferred(confirmed) = 3x on travel, telecom, advertising(rumored) | 80k UR pts after 5k, first year waived.(rumored)

Now the question is, do you have a legit business. If you do, u can go into branch to apply. its 70k bonus + theres a chance u can get the 1 year waived. If you do not, it is best to do it online. If you do get the requires review, DO NOT call until you get the rejection letter. This is different that personal cards.

Keep in mind though, the Ink+ is like the CSP/CSR, they can transfer to partners. your ink cash cannot. You will need to keep your CSR/CSP around to make the Ink Cash card worth it.


Thank you so much! I will say, I've been mulling this over for awhile and finally pulled the trigger with the CSR. At this point, I'm thinking I am going to keep it because we do spend over the stated "breakeven" point on travel. My main reason for wanting the Ink is the 5x on office supplies to be able to get gift cards and the 5x on internet, phones, etc. Our only "business" is ebay type selling. DH loves reading about cell phones and he's turning a decent profit buying and selling between ebay and our local facebook trader pages. Nothing that a bank would probably consider a legit business though, so I'll probably just stick to the online app.

thanks again for all the help! Maybe someday I can help others as well to pay it forward!
 
Thank you so much! I will say, I've been mulling this over for awhile and finally pulled the trigger with the CSR. At this point, I'm thinking I am going to keep it because we do spend over the stated "breakeven" point on travel. My main reason for wanting the Ink is the 5x on office supplies to be able to get gift cards and the 5x on internet, phones, etc. Our only "business" is ebay type selling. DH loves reading about cell phones and he's turning a decent profit buying and selling between ebay and our local facebook trader pages. Nothing that a bank would probably consider a legit business though, so I'll probably just stick to the online app.

thanks again for all the help! Maybe someday I can help others as well to pay it forward!

ive heard of ppl being accepted for that. I guess it doesnt hurt to try. I also been hearing that chase has been hit hard with Ink+ apps so your gonna have to be very patient with it. If you do get approved, make sure u SM them saying that you noticed that they were doing 70K in branch, since its 60k online, u would like them to match it. good luck on your application! :]
 
Thanks - I understand that part of a credit score is utilization, so if the credit card company reports zero balance, then from the point of view of the credit score, I haven't used any credit. I'm wondering, though, if the practice of making multiple payments before a statement closes might raise a red (or yellow) flag with the credit card company. I have been reading the flyertalk forum on manufactured spending, and it seems that several things that I would not have thought about as problems at all really are a big problem for banks and credit card companies (such as using money orders) and can result in the bank/credit card company closing all of your accounts.

I think that if you're paying off regular spending regularly that you're ok. I know lots of regular people who do this lol. The cc/bank algorithms are pretty good at detecting unusual spending patterns.

This is what often gets flagged when doing MS plus the large flow of cash deposits (especially as MOs) can also trigger government flags that are setup to catch money laundering which is why the banks and Credit card companies just shut everything down rather abruptly (that and its technically against the T&C for CCs).

If you're wanting to make multiple payments on regular spending then I wouldn't worry about it as you aren't likely to have unusual spending patterns or use MOs. If you're going to dabble in MS then that's a different story and I would read up on those topics as there are a lot more possible flags to trigger.

I'm not well versed in current MS techniques as it's just more trouble than it's worth for me.
 
I've been watching for my $300 credit on the CSR to go through, and it finally did! It made me laugh though... I charged a Disney hotel deposit ($156) and our flights to Orlando ($163) on 10/17, then on 10/18 I charged our DVC rental deposit ($120)... And it split the credit to cover the hotel deposit and DVC deposit in full, and $23 towards the flights :rotfl:Not sure how it decided to cover the charges in reverse order lol. Love that the DVC rental coded as travel :goodvibes

Here's where we stand with CC points helping our trips:

Jan Trip: 4 day weekend WDW -
  • After the travel credits from CSR (this year and next), we are paying around $70 OOP for hotel and flights TO Orlando...
  • Plus this is best use of our money, because we got to use a credit that covered all but $16 of a ticket. We had already written off the credit as lost because we weren't going to be able to use it with the SW Companion Pass (original plan before CSR).
  • I was going to use points for the return flights, but I might pay OOP because Frontier has flights for $75pp.
Lowering the OOP like this made this trip a possibility - we could afford it, but we've been paying aggressively on student loans and CSR knocked $1k off retail price, so we don't feel as bad diverting for a month.


Sept Trip: 18 day trip WDW incl Wedding and 3 day cruise -
  • Will use UR points to book flights there and back
  • DF and I both picked up a SPG AMEX and are using those points for 3 free nights near Universal, and 5 nights at the Dolphin for the $25/night resort fee. We'll have enough points left to either trade a night near Universal for the Dolphin, or to book a second room at the Dolphin for DF and his Best Man the night before the wedding.

Misc Spending:
  • DF and I each got a Disney Visa with the $200 gift card signup bonus, so $400 in spending money for free :thumbsup2
  • We've also got around $600 in Barclay miles between the two of us, just from regular spending/mile hoarding (part is my original $200 bonus from the no fee card). We'll use Barclay miles for one night in Canaveral post cruise, and hopefully we can cover some room charges at WDW or on the cruise with the rest. That's DF's main card (the Elite with 2x on everything), but mine is now redundant since I have the CSR, except perhaps when they offer me special promos like 2x on gas/grocery... The total amount may be a bit higher when Sept rolls around, but we want to test run the charging to the room in January so we'll use some then.
  • And now that I have an AMEX, I can participate in some of the special gift card deals (ie, I picked up $75 in Disney gift cards at Home Depot last night for $60)

In summary, I feel like this:
party:
 
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Does anyone know if Chase codes gas as travel? Just curious, as we plan on driving to WDW. And just curious if everyday has spending would count as travel.
What other everyday spends has everyone noticed code as travel? Or, how can I easily/quickly rack up as many 3x points as possible on everyday things? We don't eat out often, but may have to now just to get some points.. lol
 
Does anyone know if Chase codes gas as travel? Just curious, as we plan on driving to WDW. And just curious if everyday has spending would count as travel.
What other everyday spends has everyone noticed code as travel? Or, how can I easily/quickly rack up as many 3x points as possible on everyday things? We don't eat out often, but may have to now just to get some points.. lol

Gas does not code as travel. Wouldnt that be great. :-) I have the CSP, and what I have coded as travel is plane tickets, bus tickets, hotels, subway and parking. One month, I had about $30 that I couldn't figure out what was coded, but I can't think of any "everyday" stuff coded as travel. Tires - no, oil changes - no, gas - no.
 
Does anyone know if Chase codes gas as travel? Just curious, as we plan on driving to WDW. And just curious if everyday has spending would count as travel.
What other everyday spends has everyone noticed code as travel? Or, how can I easily/quickly rack up as many 3x points as possible on everyday things? We don't eat out often, but may have to now just to get some points.. lol

I'm 99% certain that gas does not code as travel. The one thing that made me laugh, though, was when Domino's coded as "Dining." LOL
 
Another quick question. I'm reading now that Park tickets won't code as travel as it codes as 'amusement park', and also that anything booked or bought through a travel agent won't code as travel either. One place I read if you buy tickets through the Disney website (MVMCP for example) will not code as travel..
anyone experience this yet? I was hoping our entire vacation would rack up a few extra points, but now it sounds like it won't.

Wondering if I should buy gift cards with the CSR, then turn around and pay for the vacation (at least tickets) with the GC. That way I can get travel points​
 
Another quick question. I'm reading now that Park tickets won't code as travel as it codes as 'amusement park', and also that anything booked or bought through a travel agent won't code as travel either. One place I read if you buy tickets through the Disney website (MVMCP for example) will not code as travel..
anyone experience this yet? I was hoping our entire vacation would rack up a few extra points, but now it sounds like it won't.​

The thing with the travel agent sounds fishy to me. I booked and paid our cruise through a TA, and it definitely coded as travel with 3x on CSR and 2x on CSP.
 
If I buy GC, where can I go to buy them and pay with a CC? Most places now require you to pay with either cash or debit.

Sorry for so many questions, this is my first attempt at using/gaining travel points from a CC.
 
If I buy GC, where can I go to buy them and pay with a CC? Most places now require you to pay with either cash or debit.

Sorry for so many questions, this is my first attempt at using/gaining travel points from a CC.
There is no place I buy gift cards that doesn't take credit cards. I've bought from bed bath and beyond, target, Kroger, Best Buy, JoAnn's, Home Depot, etc. I know my mom's publix limits you to $50 if paying with a credit card.
 
Another quick question. I'm reading now that Park tickets won't code as travel as it codes as 'amusement park', and also that anything booked or bought through a travel agent won't code as travel either. One place I read if you buy tickets through the Disney website (MVMCP for example) will not code as travel..
anyone experience this yet? I was hoping our entire vacation would rack up a few extra points, but now it sounds like it won't.

Wondering if I should buy gift cards with the CSR, then turn around and pay for the vacation (at least tickets) with the GC. That way I can get travel points​
I opened a Disney Vacation Account and put $300 on my CSR. It immediately coded as travel and I got the $300 credit. You could use that to pay for ticket balances.
If I buy GC, where can I go to buy them and pay with a CC? Most places now require you to pay with either cash or debit.

Sorry for so many questions, this is my first attempt at using/gaining travel points from a CC.
So many places let you buy Disney GC's with a CC. Online or instore. Best Buy or Target (5% discount if using your red card). Also Sam's and BJ's sells them slightly discounted. Even better if you have Chase Freedom because right now you get an extra 5% back up to $1500. Also I've bought them at Walgreen using credit cards.
 
I opened a Disney Vacation Account and put $300 on my CSR. It immediately coded as travel and I got the $300 credit. You could use that to pay for ticket balances.

So many places let you buy Disney GC's with a CC. Online or instore. Best Buy or Target (5% discount if using your red card). Also Sam's and BJ's sells them slightly discounted. Even better if you have Chase Freedom because right now you get an extra 5% back up to $1500. Also I've bought them at Walgreen using credit cards.
Same for unlimited? I would assume so. Might be applying for that card now too... lol
 
The thing with the travel agent sounds fishy to me. I booked and paid our cruise through a TA, and it definitely coded as travel with 3x on CSR and 2x on CSP.
Yea I thought so to. I mean, most people would go through a TA to book.... would make sense to code as travel.
 
There is no place I buy gift cards that doesn't take credit cards. I've bought from bed bath and beyond, target, Kroger, Best Buy, JoAnn's, Home Depot, etc. I know my mom's publix limits you to $50 if paying with a credit card.
I know I've tried buying GC's at my local Giant, and had to pay with a debit card. They wouldn't accept my cc for that purchase.
 
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