I love credit cards so much!

[calypso726]

Can someone explain "double-dipping" to me?

Another definition for double or triple dipping is often used interchangeable with "stacking." This is when you take a few extra steps in order to earn more points. For example: I purchase a $100 Macy's gift card at Staples with my Ink+ card and get 5x for the purchase. Then, I go through the UR shopping portal and see Macy's is at 3x so I use my gift card to make my purchase through the portal and get 8x total. That's a double dip or double stack. Let's say I need to buy something from the Gap. I might purchase a $100 gift card through the MPX app which is offering 5x UA miles/per $. Since I have the United card I will get a 25% bonus on that purchase even though I won't pay for it with my United card. Let's say I use my Freedom Unlimited for 1.5 x (since Amex Plat 5 x is dead). Then I use that Gap gift card to make my purchase through the AA shopping portal which is offering 3x. Then I just got 625 UA miles, 150 UR points and 300 AA miles for the purchase. That's a triple dip or triple stack.

Or should I just sit tight for a while? Are you "experts"-- @SouthFayetteFan, @calypso726, @wendow, @Lain, etc.-- usually always working toward a MSR on a new card or are you sometimes just generating bonus points by actually using the cards you've already had for a while? I don't know if I'm supposed to be satisfied with earning points at this "slower" rate or if I should always be working toward a signup bonus.

HAHA! Oh man, I only wish I were an expert. I know just enough to make it work for us. I have infinite room for improvement, knowledge and skill in this hobby. I'm not currently working on an MSR. I've have no major expenses that I need to pay off just yet. I'm holding out until just before we go to China with ABD. Our pre and post ABD trip hotel stays at Hong Kong DL, Shanghai DL, Tokyo DL and MiraCosta at Tokyo Disney Sea are going to run in the neighborhood of about $5,000. I've rented out DVC points to cover the costs. I am playing with some bank bonuses for a little extra cash and parking some of the money from the DVC points rental to keep the account fee free. Right before the trip I plan to do a quick app-o-rama, fund a few more bank accounts for bonuses to help with the MSR and then use the cards to pay for the hotels to complete the MSR on the new cards. So for now, I'm sitting tight and biding my time. I'm also waiting for Amex to release their new premium Marriott card.

Generally, If I'm not working on a current MSR I am using the current cards to earn points by double and triple stacking with shopping portals and gift cards and putting my Chase Quadfecta to good use. I think someone mentioned that grocery stores will be the Freedom bonus category for Q2. I will be buying $1500 in Disney Gift cards at Publix to max it out.

I also need to figure out when/if I'm going to cancel cards with annual fees, which is pretty much all the cards I currently have. Do you pay the fee once, and then cancel it right before it comes due the following year, or do you cancel before it even comes due? Can you even do that? I'm keeping the cost of the annual fee in mind when considering the value of the signup bonus, but only for one year. I can't pay ALL of these annual fees interminably or it would eat up all my gains, so I need to figure out when it's best to cancel.

This totally depends on the cards, the benefits, if you plan to churn the cards and if you plan to go under 5/24 or stay LOL/24.

I don't cancel Chase cards. I can't because I will never be under 5/24. I have 10 Chase cards. 2 are really old, Disney Visa and Amazon card. They sit in a drawer and I can't cancel them without affecting my credit score due to their age. The other Chase cards I either use or keep due to a specific benefit that is worth the fee to me.

Chase Ink+ is a card that is no longer available and gets me 5x at office supply stores which means 5x on Disney gift cards. I buy a LOT of a Disney gift cards. CSR is way to valuable to give up. Plus, the loophole that DH and I used to get the CSR when we were both LOL/24 was also shut down by Chase, so there's no churning that one.

DH and I each have a Marriott card and we only keep it for the free anniversary night each year. If I did not live 3 hours away from WDW and was easily able to use this free night every year at a cat 5 near WDW, I'd get rid of it. But we do use it every year and only when we cant get a DVC room on a last minute planned weekend trip.

United card gets me 25% bonus on MPX, award availability that is just open to card holders and 2 United lounge passes per year. That's worth it to me. IHG is a $49 AF and you get a free night at ANY of their properties in the world.

British Airways I may or may not keep long term. I picked it up to take advantage of their travel together ticket when you spend $30K on it throughout the year. DH and I are thinking we might want to try and earn one every other year.

Amex cards:

SPG business card. SPG points transfer to over 30 airlines. I put nearly all non bonus spending on this card and so does DH. I value SPG points above and beyond all other points. This card isn't going anywhere unless they change the entire program.

Hilton Aspire card: Between the $250 airline credit, the $250 resort credit, free anniversary weekend night and Diamond status - the card paid for itself and then some. It's a keeper card.

Amex Platinum - I was going to keep it long term when it was earning 5x on the MPX. Now, I'm running numbers to see. I'm having DH keep the business platinum for the 1.54 redemption on airfare when you pay with points for the moment. Either way one of us will keep an Amex Plat card for the Delta lounge, Centurion lounge, fine hotels and resorts benefit, $200 airline credit and either 10 GoGo wifi passes or $200 Uber credit.

Citi AA platinum - I keep this card and DH keeps his mostly due to the 10% back on redeemed award points up to 10,000 each year. Considering that we both blow though way more than 100,000 AA points each every year, the card pays for itself. Reduced mileage awards are a card member benefit that can come in quite handy at times. First checked bag free for up to 4 people traveling with you. Nice perk if you are traveling up front but your DH is back in steerage because he didn't want to go into 2 player mode or make a recon call

Club Carlson Card Premier card - This card gives us 40,000 anniversary points each year. We let them pile up and then use them at Radisson Blu properties in Europe. I have received thousands in value from this $75 AF card by doing absolutely nothing with it except paying the AF each year. Keeper card.

BOA - Premium travel card - I may or may not keep this one. The AF is $95 but comes with a $100 airline credit. That makes it a no fee card in my book.

Alaska Airlines card - Picked up for the companion pass as a means to get my entire family to Hawaii in a couple of years. It will be buy one get one for taxes/fees. The card is supposed to be fairly churnable so I may cancel and reapply after the Hawaii trip with the family.

So those are my current keeper cards. I cancelled 2 Amex Delta cards after the AF hit because I only picked them up for the historically high bonus. I cancelled a Barclay's Aviator card recently after not getting a decent retention offer nor the spend offers I had received in previous years. I'll pick up another one in 6 months or so. I cancelled a Citi Prestige and have started the 24 month clock so I can pick up the Premier in 2 years and then the Prestige again in another 2 years. I have an Amex Schwab Plat card I will be cancelling when that AF hits. I only picked it up for the bonus. I cancelled my Amex business Plat card since DH agreed to keep his until we evaluate whether we should keep or cancel the personal Plat card.

@calypso726 is the queen of "annual fee management" haha! She seems to know which make sense for her and which don't.

I'm the king of "no annual fees" - I avoid them at all costs and cancel or downgrade A LOT of cards after 12 months. Unless I'm able to generate referral activity on a card if it has an AF it's gone! haha!

I'm sure others are somewhere in between. I think this is really a card specific question - it might make sense for you to list all the cards you have that carry an AF and we can give some recommendations on what makes sense, what you can downgrade, and what has got to GO!

Yup! I have my set of cards that are no brainer keeper cards that I don't even need to think about. Then I have some that I mull over whether or not they will go on the chopping block each year. What makes sense for me may not make sense for others. Either way, I think we all need to look beyond the AF before deciding to cancel. There are a number of factors to consider. I hope my explanations on how I determine whether or not I'm keeping an AF card may help others decide what parameters are important to them.

 

[havaneselover]

Still no spg biz. Hopefully tomorrow! Holding off on a bunch of things until it arrives.

 

[Lain]

Another definition for double or triple dipping is often used interchangeable with "stacking." This is when you take a few extra steps in order to earn more points.

I was thinking about stacking!

And the double dip at 4/24. And double dipping overlapping offers and promotions!

Thanks to @Albort, @1st*toright, @miztressuz, and @calypso726 for adding more meanings.

 

[trenty]

That's probably it. There's maybe some properties that have a resort fee that may not be covered by points, but a regular booking covers the room rate + taxes and normal fees. So generally no money needed when booking all on points.

If that's e-Rewards that's pretty good, they have a nice sliding scale for IHG rewards so I find the best value is save up $100 and get the top tier. And once you get invited to join you can use your money towards any program they're attached to not just the one that invited you.

It is not erewards. It is Opinion Check in. I am already a member of erewards and everything I earn there goes to SW.

 

[Judique]

Can IHG points be used for anything but hotel stays?

I also see that you cannot book IHG hotels using just points. All the hotels I look up are points +$. For example one night at a Holiday Inn Express is 10000 points + $65. Am I undertanding that correctly?

They are fixing this but right now you can book a points only room on the 'select a rate page'.

 

[Judique]

Thank you. I have no points right now and was searching from my phone so maybe that's why I didn't see it.
I received an invite to join a survey panel to earn ihg points. Don't want to invest too much time taking surveys if I then also have to lay out cash to book a room. Eventually would get the IHG card too....tyring to get back under 5/24 first for another chase card.

I got the survey panel thing and spent some time on it today. It took me around in circles and seemed to glitch out. It also asked a lot of personal info, which I wasn't comfortable with answering. Did you sign up for it?

 

[miztressuz]

It is not erewards. It is Opinion Check in. I am already a member of erewards and everything I earn there goes to SW.

Ooo, thanks for sharing, I haven't seen that one yet. SW is doing the same thing at Rewards for Opinions with Research Now runs it (all the same company now), you can ask to join from the SW page if you didn't get the invite.

 

[amalone1013]

Not really credit card related, but I spent 5 hrs on hold today to get our cruise booked...

Credit card related, I wonder if I can talk DH into applying for SPG biz tonight and it would come by next Friday...

 

[disneymagicgirl]

nevermind

 

[CaliforniaGirl09]

Another definition for double or triple dipping is often used interchangeable with "stacking." This is when you take a few extra steps in order to earn more points. For example: I purchase a $100 Macy's gift card at Staples with my Ink+ card and get 5x for the purchase. Then, I go through the UR shopping portal and see Macy's is at 3x so I use my gift card to make my purchase through the portal and get 8x total. That's a double dip or double stack. Let's say I need to buy something from the Gap. I might purchase a $100 gift card through the MPX app which is offering 5x UA miles/per $. Since I have the United card I will get a 25% bonus on that purchase even though I won't pay for it with my United card. Let's say I use my Freedom Unlimited for 1.5 x (since Amex Plat 5 x is dead). Then I use that Gap gift card to make my purchase through the AA shopping portal which is offering 3x. Then I just got 625 UA miles, 150 UR points and 300 AA miles for the purchase. That's a triple dip or triple stack.



HAHA! Oh man, I only wish I were an expert. I know just enough to make it work for us. I have infinite room for improvement, knowledge and skill in this hobby. I'm not currently working on an MSR. I've have no major expenses that I need to pay off just yet. I'm holding out until just before we go to China with ABD. Our pre and post ABD trip hotel stays at Hong Kong DL, Shanghai DL, Tokyo DL and MiraCosta at Tokyo Disney Sea are going to run in the neighborhood of about $5,000. I've rented out DVC points to cover the costs. I am playing with some bank bonuses for a little extra cash and parking some of the money from the DVC points rental to keep the account fee free. Right before the trip I plan to do a quick app-o-rama, fund a few more bank accounts for bonuses to help with the MSR and then use the cards to pay for the hotels to complete the MSR on the new cards. So for now, I'm sitting tight and biding my time. I'm also waiting for Amex to release their new premium Marriott card.

Generally, If I'm not working on a current MSR I am using the current cards to earn points by double and triple stacking with shopping portals and gift cards and putting my Chase Quadfecta to good use. I think someone mentioned that grocery stores will be the Freedom bonus category for Q2. I will be buying $1500 in Disney Gift cards at Publix to max it out.



This totally depends on the cards, the benefits, if you plan to churn the cards and if you plan to go under 5/24 or stay LOL/24.

I don't cancel Chase cards. I can't because I will never be under 5/24. I have 10 Chase cards. 2 are really old, Disney Visa and Amazon card. They sit in a drawer and I can't cancel them without affecting my credit score due to their age. The other Chase cards I either use or keep due to a specific benefit that is worth the fee to me.

Chase Ink+ is a card that is no longer available and gets me 5x at office supply stores which means 5x on Disney gift cards. I buy a LOT of a Disney gift cards. CSR is way to valuable to give up. Plus, the loophole that DH and I used to get the CSR when we were both LOL/24 was also shut down by Chase, so there's no churning that one.

DH and I each have a Marriott card and we only keep it for the free anniversary night each year. If I did not live 3 hours away from WDW and was easily able to use this free night every year at a cat 5 near WDW, I'd get rid of it. But we do use it every year and only when we cant get a DVC room on a last minute planned weekend trip.

United card gets me 25% bonus on MPX, award availability that is just open to card holders and 2 United lounge passes per year. That's worth it to me. IHG is a $49 AF and you get a free night at ANY of their properties in the world.

British Airways I may or may not keep long term. I picked it up to take advantage of their travel together ticket when you spend $30K on it throughout the year. DH and I are thinking we might want to try and earn one every other year.

Amex cards:

SPG business card. SPG points transfer to over 30 airlines. I put nearly all non bonus spending on this card and so does DH. I value SPG points above and beyond all other points. This card isn't going anywhere unless they change the entire program.

Hilton Aspire card: Between the $250 airline credit, the $250 resort credit, free anniversary weekend night and Diamond status - the card paid for itself and then some. It's a keeper card.

Amex Platinum - I was going to keep it long term when it was earning 5x on the MPX. Now, I'm running numbers to see. I'm having DH keep the business platinum for the 1.54 redemption on airfare when you pay with points for the moment. Either way one of us will keep an Amex Plat card for the Delta lounge, Centurion lounge, fine hotels and resorts benefit, $200 airline credit and either 10 GoGo wifi passes or $200 Uber credit.

Citi AA platinum - I keep this card and DH keeps his mostly due to the 10% back on redeemed award points up to 10,000 each year. Considering that we both blow though way more than 100,000 AA points each every year, the card pays for itself. Reduced mileage awards are a card member benefit that can come in quite handy at times. First checked bag free for up to 4 people traveling with you. Nice perk if you are traveling up front but your DH is back in steerage because he didn't want to go into 2 player mode or make a recon call

Club Carlson Card Premier card - This card gives us 40,000 anniversary points each year. We let them pile up and then use them at Radisson Blu properties in Europe. I have received thousands in value from this $75 AF card by doing absolutely nothing with it except paying the AF each year. Keeper card.

BOA - Premium travel card - I may or may not keep this one. The AF is $95 but comes with a $100 airline credit. That makes it a no fee card in my book.

Alaska Airlines card - Picked up for the companion pass as a means to get my entire family to Hawaii in a couple of years. It will be buy one get one for taxes/fees. The card is supposed to be fairly churnable so I may cancel and reapply after the Hawaii trip with the family.

So those are my current keeper cards. I cancelled 2 Amex Delta cards after the AF hit because I only picked them up for the historically high bonus. I cancelled a Barclay's Aviator card recently after not getting a decent retention offer nor the spend offers I had received in previous years. I'll pick up another one in 6 months or so. I cancelled a Citi Prestige and have started the 24 month clock so I can pick up the Premier in 2 years and then the Prestige again in another 2 years. I have an Amex Schwab Plat card I will be cancelling when that AF hits. I only picked it up for the bonus. I cancelled my Amex business Plat card since DH agreed to keep his until we evaluate whether we should keep or cancel the personal Plat card.





Yup! I have my set of cards that are no brainer keeper cards that I don't even need to think about. Then I have some that I mull over whether or not they will go on the chopping block each year. What makes sense for me may not make sense for others. Either way, I think we all need to look beyond the AF before deciding to cancel. There are a number of factors to consider. I hope my explanations on how I determine whether or not I'm keeping an AF card may help others decide what parameters are important to them.

I love this!! Thanks so much for going thorough your cards. You and I have very similar travel patterns, and I'm not surprised that many of our cards and spending patterns align. I love Radisson Blu's in Europe and since joining the program (late!) I have over 60k miles. I should think about that card!

 

[trenty]

I got the survey panel thing and spent some time on it today. It took me around in circles and seemed to glitch out. It also asked a lot of personal info, which I wasn't comfortable with answering. Did you sign up for it?

I signed up but didn't take any surveys yet.

 

[trenty]

Ooo, thanks for sharing, I haven't seen that one yet. SW is doing the same thing at Rewards for Opinions with Research Now runs it (all the same company now), you can ask to join from the SW page if you didn't get the invite.

thanks. I will look into this too.

 

[disneymagicgirl]

Are you sure you were on DISchurners? That sounds more like the r/churning thread. We don't have a CIP "page". We have a Chase page here: https://www.reddit.com/r/DISchurners/comments/77hjuu/official_chase_referral_thread/

And there aren't 388 comments there lol only 44 haha.

I was thinking to myself... wow it isn't my imagination at all. We have gotten super busy on this thread. 388 CIP ref posts!

 

[1GoldenSun]

Another definition for double or triple dipping is often used interchangeable with "stacking." This is when you take a few extra steps in order to earn more points. For example: I purchase a $100 Macy's gift card at Staples with my Ink+ card and get 5x for the purchase. Then, I go through the UR shopping portal and see Macy's is at 3x so I use my gift card to make my purchase through the portal and get 8x total. That's a double dip or double stack. Let's say I need to buy something from the Gap. I might purchase a $100 gift card through the MPX app which is offering 5x UA miles/per $. Since I have the United card I will get a 25% bonus on that purchase even though I won't pay for it with my United card. Let's say I use my Freedom Unlimited for 1.5 x (since Amex Plat 5 x is dead). Then I use that Gap gift card to make my purchase through the AA shopping portal which is offering 3x. Then I just got 625 UA miles, 150 UR points and 300 AA miles for the purchase. That's a triple dip or triple stack.



HAHA! Oh man, I only wish I were an expert. I know just enough to make it work for us. I have infinite room for improvement, knowledge and skill in this hobby. I'm not currently working on an MSR. I've have no major expenses that I need to pay off just yet. I'm holding out until just before we go to China with ABD. Our pre and post ABD trip hotel stays at Hong Kong DL, Shanghai DL, Tokyo DL and MiraCosta at Tokyo Disney Sea are going to run in the neighborhood of about $5,000. I've rented out DVC points to cover the costs. I am playing with some bank bonuses for a little extra cash and parking some of the money from the DVC points rental to keep the account fee free. Right before the trip I plan to do a quick app-o-rama, fund a few more bank accounts for bonuses to help with the MSR and then use the cards to pay for the hotels to complete the MSR on the new cards. So for now, I'm sitting tight and biding my time. I'm also waiting for Amex to release their new premium Marriott card.

Generally, If I'm not working on a current MSR I am using the current cards to earn points by double and triple stacking with shopping portals and gift cards and putting my Chase Quadfecta to good use. I think someone mentioned that grocery stores will be the Freedom bonus category for Q2. I will be buying $1500 in Disney Gift cards at Publix to max it out.



This totally depends on the cards, the benefits, if you plan to churn the cards and if you plan to go under 5/24 or stay LOL/24.

I don't cancel Chase cards. I can't because I will never be under 5/24. I have 10 Chase cards. 2 are really old, Disney Visa and Amazon card. They sit in a drawer and I can't cancel them without affecting my credit score due to their age. The other Chase cards I either use or keep due to a specific benefit that is worth the fee to me.

Chase Ink+ is a card that is no longer available and gets me 5x at office supply stores which means 5x on Disney gift cards. I buy a LOT of a Disney gift cards. CSR is way to valuable to give up. Plus, the loophole that DH and I used to get the CSR when we were both LOL/24 was also shut down by Chase, so there's no churning that one.

DH and I each have a Marriott card and we only keep it for the free anniversary night each year. If I did not live 3 hours away from WDW and was easily able to use this free night every year at a cat 5 near WDW, I'd get rid of it. But we do use it every year and only when we cant get a DVC room on a last minute planned weekend trip.

United card gets me 25% bonus on MPX, award availability that is just open to card holders and 2 United lounge passes per year. That's worth it to me. IHG is a $49 AF and you get a free night at ANY of their properties in the world.

British Airways I may or may not keep long term. I picked it up to take advantage of their travel together ticket when you spend $30K on it throughout the year. DH and I are thinking we might want to try and earn one every other year.

Amex cards:

SPG business card. SPG points transfer to over 30 airlines. I put nearly all non bonus spending on this card and so does DH. I value SPG points above and beyond all other points. This card isn't going anywhere unless they change the entire program.

Hilton Aspire card: Between the $250 airline credit, the $250 resort credit, free anniversary weekend night and Diamond status - the card paid for itself and then some. It's a keeper card.

Amex Platinum - I was going to keep it long term when it was earning 5x on the MPX. Now, I'm running numbers to see. I'm having DH keep the business platinum for the 1.54 redemption on airfare when you pay with points for the moment. Either way one of us will keep an Amex Plat card for the Delta lounge, Centurion lounge, fine hotels and resorts benefit, $200 airline credit and either 10 GoGo wifi passes or $200 Uber credit.

Citi AA platinum - I keep this card and DH keeps his mostly due to the 10% back on redeemed award points up to 10,000 each year. Considering that we both blow though way more than 100,000 AA points each every year, the card pays for itself. Reduced mileage awards are a card member benefit that can come in quite handy at times. First checked bag free for up to 4 people traveling with you. Nice perk if you are traveling up front but your DH is back in steerage because he didn't want to go into 2 player mode or make a recon call

Club Carlson Card Premier card - This card gives us 40,000 anniversary points each year. We let them pile up and then use them at Radisson Blu properties in Europe. I have received thousands in value from this $75 AF card by doing absolutely nothing with it except paying the AF each year. Keeper card.

BOA - Premium travel card - I may or may not keep this one. The AF is $95 but comes with a $100 airline credit. That makes it a no fee card in my book.

Alaska Airlines card - Picked up for the companion pass as a means to get my entire family to Hawaii in a couple of years. It will be buy one get one for taxes/fees. The card is supposed to be fairly churnable so I may cancel and reapply after the Hawaii trip with the family.

So those are my current keeper cards. I cancelled 2 Amex Delta cards after the AF hit because I only picked them up for the historically high bonus. I cancelled a Barclay's Aviator card recently after not getting a decent retention offer nor the spend offers I had received in previous years. I'll pick up another one in 6 months or so. I cancelled a Citi Prestige and have started the 24 month clock so I can pick up the Premier in 2 years and then the Prestige again in another 2 years. I have an Amex Schwab Plat card I will be cancelling when that AF hits. I only picked it up for the bonus. I cancelled my Amex business Plat card since DH agreed to keep his until we evaluate whether we should keep or cancel the personal Plat card.





Yup! I have my set of cards that are no brainer keeper cards that I don't even need to think about. Then I have some that I mull over whether or not they will go on the chopping block each year. What makes sense for me may not make sense for others. Either way, I think we all need to look beyond the AF before deciding to cancel. There are a number of factors to consider. I hope my explanations on how I determine whether or not I'm keeping an AF card may help others decide what parameters are important to them.

This was sooooo helpful! You may not consider yourself an expert but you're heads and tails above me, and knowing what cards you keep and your logic behind it is incredibly informative.

 

[1GoldenSun]

I was thinking to myself... wow it isn't my imagination at all. We have gotten super busy on this thread. 388 CIP ref posts!

Yeah, I'm not sure where I was on Reddit but I couldn't find any of you guys on there!

 

[calypso726]

I love this!! Thanks so much for going thorough your cards. You and I have very similar travel patterns, and I'm not surprised that many of our cards and spending patterns align. I love Radisson Blu's in Europe and since joining the program (late!) I have over 60k miles. I should think about that card!

It's a great card. You get 85,000 points for spending $2500 in the first 90 days. You earn 10x at Radisson properties and 5x on all other spend. So by the time you finish the bonus spend you have 97,500 points. The card gives you gold status so you get early check in and late check out plus a free upgrade pending availability. We used points to stay the weekend in London last year the Radisson Blu Edwardian near Covent Garden when we went to see the Harry Potter play. We got a nice room upgrade, welcome gift and being able to check in early was wonderful! I like to call this card my favorite card that I never use.

 

[CyndiLouWho]

Not really credit card related, but I spent 5 hrs on hold today to get our cruise booked...

Credit card related, I wonder if I can talk DH into applying for SPG biz tonight and it would come by next Friday...

Yikes. I booked online in like 10 minutes. But I have no status. I tried Costco online first but ...nothing. (Despite people on the cruise forum saying Costco online booking would be the same as DCL). I actually put a cruise on hold, so I could shop around for insurance.

 

[kmc8826]

Thank you for your thoughts!!! Something to think about. I would have risked it on an SPG too, because I move those to Marriott. Delta though, I cannot move anywhere, so I will have to give it some more thought.

I understand why you are willing to risk it @speedyfishy but I think @gottalovepluto is absolutely right. With RAT and my experience with Amex I would definitely not risk that type of behavior. You can say you would justify it to them in whatever way you want, but honestly I doubt it would get to that point. They are the ones in the driver seat. They either won’t give you the bonus at all, or give it and then take it back. If they judge that you have violated their rules you are pretty much out of luck. AND I doubt Amex would be looking to kindly towards you and other current and future accounts after that.

 

[afan]

Dang you miss a lot when you actually have to do work at work, haha. Actually had my annual review that took an hour at the end of the day and then I tried to catch up while wandering around Target but that defeats the purpose of cruising the aisles for clearance deals.

I was bummed to come home to cardholder agreement stuff from Amex and not the actual card so still waiting for my Delta Biz from 3/1 but it's my first Amex so I kind of expected it to take a week or more.

 

[Alice Sr.]

Speaking of stacking, can anyone confirm whether BJ's is considered a warehouse for my Discover bonus category through the end of the month?