I love credit cards so much!

Status
Not open for further replies.
Walgreens?! What the heck?! Yeah, I'm with Havaneselover. I'll just be focusing on my Hilton MSRs this quarter.
I feel you! We don’t even have a Walgreens in my town! Plus I only spend $100/mo on gas and will only use Lyft a few times in Aug. Pretty underwhelming categories!

While I’d love to earn more URs, I’ll be putting my spend on my AMEX BRG since the 10% back at STaples and Lowe’s will save me 10% on grocery, gas and Target gift cards!
 
Now that I think about it, I wonder if TPG ordered them top to bottom by value of a click through, and really only listed the cards he had affiliate links for

LOL-very likely. The more I read him the more cynical I am. DOC is my go to guy for sure!

Rumored Chase FREEDOM Q3 5x Bonus Categories:
  • Lyft
  • Walgreens
  • Gas Stations

Our Walgreens has DGC and so many people buy GC there's a disclaimer of max of $500/day at the register. So that should be pretty easy between DGC and Walgreens GC for DD's rx (still working on the one I purchased with the applepay 5x in Q1 but it's running low). I'm hoping this is it-last year wasn't able to max out both Discover and CF in Q3 at restaurants...and I eat out a lot!

I need a win after leaving my marriott and RC card at home and staying in Dublin at The Shelbourne (a Marriott property) where DH racked up $300 bar bill. Ugh...I was so annoyed at myself (okay and him too a little bit). To be fair, that $300 was only a bottle of wine, 2 mixed drinks and my 5 diet cokes but still...rookie fail!
 
We have been pretty loyal to Southwest (thanks, companion pass) but they don't do me any good getting to Europe or Asia. So I think I've decided to hitch my wagon to United for airline points. They seem to have decent partner relationships for the foreign trips I'm looking at (decent connections from our local airport etc). I plan to do a nights/flights with Marriott to start my stash, and am looking at the Chase United MileagePlus Club Card and the United Explorer Card to build miles. The annual fee for the Mileage Plus is a little steep- not sure its worth the $450.

I'm at 2/24 with Chase at the moment (no personal cards since last July, last Chase Biz app was in Feb, last app (amex) was in March). We are still working on DH's CSR/CSP MSR, so I won't be applying for another month or so, so I have time, but I've been waffling on which airline to go for, and trying to figure out if it makes sense to go with a co-branded airline card, or do an Amex Plat next.

Anyone with advice specific to United, or thoughts in general?

Generally, my impression is UA miles is better for Europe and MR points have better transfer partners to Asia. However, UA will get you to Asia and MRs will get you Asia. So both are great programs to build points and miles in.

As for which card(s) next, it kind of depends on the offers you can get.

If you can get targeted for the Amex Platinum with a 100k MR points offer, that's just one slot.

Have you tried to see if the Amex Platinum pulls up on Cardmatch with the 100k MR offer? See https://www.doctorofcredit.com/cardmatch-offering-people-100000-points-american-express-platinum/

Are you looking at both the United Club card and the Explorer card? That's 2 Chase slots you'd be using up for between 90k-110k UA miles.

The Club card gets you priority boarding, first and second checked bags free (must pay for tickets with card), United Club membership, expanded award availability, and a 50k UA miles signup bonus, but its $450 AF is steep, so you'll need to evaluate whether Club access and free checked bags (but only on tickets paid for with the card) give you enough monetary value to justify the cost, or if you're signing up for this card primarily for the miles. Earlier this year, United was sending out targeted offers for the Club card that waived the first year AF. My wife who flies United frequently for work, but doesn't already have a United card, received the targeted offer. (We passed.)

The Explorer (new MPE) card gets you priority boarding, free carry-on for basic economy, first checked bag free (must pay for tickets with card), 2 United Club lounge passes, up to $100 credit for Global Entry or TSA Precheck, a 25% mileage bonus on United’s MPX gift card app, and probably most importantly, increased award space availability. You get access to additional award seats that United blocks off for their cardholders and elite members. The $95 AF is waived for the first year. Chase has no fee United cards you can product change to after your first year that’ll still give you increased award availability.

But wait until you can get a good signup bonus on the MPE. Chase is known to deny matching to better offers on United cards.

The current public offer on the MPE is only 40k UA miles + $100 statement credit after you spend $2k/3 months. For much of last year, the public offer was 50k UA miles, with a targeted offer of 70k UA miles. There's buzz that there are better 50k and 60k UA miles offers out there (https://www.reddit.com/r/churning/comments/8q8d13/daily_discussion_thread_june_11_2018/), but these are likely targeted and you'll have to log into your UA account to see if you qualify.

If you don't see a targeted higher offer, don’t settle for the public 40k UA miles offer just yet; there are some tricks that have worked to get you targeted for higher offers on the MPE:
  • Fly on United. After you’ve flown on United, many people report getting targeted with higher than public signup offers for the MPE (and Club card) via mailers and on their United account in the following weeks.
  • Make a dummy booking on United. Log into your United account and go through the motions of making a flight booking, and you may see a popup offer for the MPE with a higher mileage offer (and possibly statement credit).
  • Make a purchase through the United MileagePlus Shopping portal. People have generally received a targeted mailer a few weeks after their portal purchase. The MileagePlus Shopping portal includes iTunes, so you could possibly trigger a higher credit card offer by buying a cheap song.
  • Make a purchase on the United MileagePlus X (“MPX”) gift card app. The MPX app is available for iOS and Android devices and sells e-gift cards at face value, often in the exact amount you need, but allows you to earn 0.5-5x UA miles/$1 depending on merchant (more during promos) and passes the coding of the purchase on to the merchant’s category allowing you to trigger category bonuses on your Chase Visa credit cards.
These tricks may trigger a higher offer immediately or could take several weeks to work, if at all. Since you're looking to apply as soon as a month from now, you should probably start with the above. Keep playing around with the above tricks, as there seems to have been a lot of success with them last year. It probably helps if you don’t already have a United credit card.

Good luck!
 
I haven't read too much about Amex imposing any one card per family rule (like Chase). There's been mixed DPs that Amex may be denying bonuses on Platinums for holding or having had some other Platinum variant. Arguably, though, a Ameriprise Plat, Charles Schwab Plat, MB Plat, and vanilla Plat are all much more similar than each of the Hilton card products.

What kind of worries me is this tool seems buggy. TPG writes, "despite selecting 'Cancel Application' and receiving a confirmation page that I’d cancelled my application, I later received an email saying that Amex was 'reviewing [my] application now.'"

The tool could be useful to help you determine upfront whether you'd be wasting a hard pull on a card which you're not eligible for the bonus -- if it works. I guess it's small comfort to know that Amex has some kind of actual criteria to determine your eligibility that they can give you this information before you apply instead of arbitrarily denying you a bonus after you've already met MSR. But the restriction still comes off as vague and overly broad, and that sucks.

They need to put it out in public exactly what the requirements are...such as chase’s we’ll known 5/24 rule. The tool is helpful but info available is way too vague.
 

Rumored Chase FREEDOM Q3 5x Bonus Categories:
  • Lyft
  • Walgreens
  • Gas Stations

If confirmed later, everything happening in reverse :crazy2:. Will probably be spending quite a bit at restaurants/on food during our CA trip at the end of the month (returning 6/30), no 5x category on either CF or Discover. Will probably be using Lyft a decent amount while there, but Q3 doesn't start til after we leave lol.

LOL! Walgreens would work for me! I have... uh... very expensive "medicine" that my insurance doesn't cover.

Walgreens?! What the heck?! Yeah, I'm with Havaneselover. I'll just be focusing on my Hilton MSRs this quarter.

Walgreens would be wonderful. I had some VERY expensive "medicine" this past quarter to pay for :D
 
Thanks for the welcome and the advice! Yes, I'm going to have to crunch some numbers wrt CSR/CSP. We don't spend much on dining out (though that may change once youngest leaves for college and recent-college-grad middle moves into an apartment this summer---they have serious food allergies and restrictions).

Travel spending is increasing each year. Do DVC dues count under the travel category?

Yes they count! See below...

I can’t say for sure how a DVC points purchase will code, but I can say with certainty that annual dues payments on DVC points do code as travel for purposes of 3x on the CSR.


Just did the math and once DHs CIP bonus posts (I can see it pending) we'll have 265k UR points! :cool1: How did that happen? ;)

I need one more hotel night for our September trip. Right now I've got Cabana Bay on UR pts for one night, RPR for one night using up my hotels.com gc stash plus my free night ($110), and 6 nights at the Dolphin. I need to cover a night between RPR and the Dolphin.

Hmmm, I could book a room at Pop for a night plus our tickets for the trip, comes to $1186 or 79k UR pts... :scratchin

Yes, we will be the crazy people doing one night at each hotel. But since we won't be dragging around wedding attire and accessories, we can hop to save a few points/cash... like RPR is $160 more for Friday night and we land at MCO at 11pm, so... :confused3

How about the hyatt mco?
 
Generally, my impression is UA miles is better for Europe and MR points have better transfer partners to Asia. However, UA will get you to Asia and MRs will get you Asia. So both are great programs to build points and miles in.

As for which card(s) next, it kind of depends on the offers you can get.

If you can get targeted for the Amex Platinum with a 100k MR points offer, that's just one slot.

Have you tried to see if the Amex Platinum pulls up on Cardmatch with the 100k MR offer? See https://www.doctorofcredit.com/cardmatch-offering-people-100000-points-american-express-platinum/

Are you looking at both the United Club card and the Explorer card? That's 2 Chase slots you'd be using up for between 90k-110k UA miles.

The Club card gets you priority boarding, first and second checked bags free (must pay for tickets with card), United Club membership, expanded award availability, and a 50k UA miles signup bonus, but its $450 AF is steep, so you'll need to evaluate whether Club access and free checked bags (but only on tickets paid for with the card) give you enough monetary value to justify the cost, or if you're signing up for this card primarily for the miles. Earlier this year, United was sending out targeted offers for the Club card that waived the first year AF. My wife who flies United frequently for work, but doesn't already have a United card, received the targeted offer. (We passed.)

The Explorer (new MPE) card gets you priority boarding, free carry-on for basic economy, first checked bag free (must pay for tickets with card), 2 United Club lounge passes, up to $100 credit for Global Entry or TSA Precheck, a 25% mileage bonus on United’s MPX gift card app, and probably most importantly, increased award space availability. You get access to additional award seats that United blocks off for their cardholders and elite members. The $95 AF is waived for the first year. Chase has no fee United cards you can product change to after your first year that’ll still give you increased award availability.

But wait until you can get a good signup bonus on the MPE. Chase is known to deny matching to better offers on United cards.

The current public offer on the MPE is only 40k UA miles + $100 statement credit after you spend $2k/3 months. For much of last year, the public offer was 50k UA miles, with a targeted offer of 70k UA miles. There's buzz that there are better 50k and 60k UA miles offers out there (https://www.reddit.com/r/churning/comments/8q8d13/daily_discussion_thread_june_11_2018/), but these are likely targeted and you'll have to log into your UA account to see if you qualify.

If you don't see a targeted higher offer, don’t settle for the public 40k UA miles offer just yet; there are some tricks that have worked to get you targeted for higher offers on the MPE:
  • Fly on United. After you’ve flown on United, many people report getting targeted with higher than public signup offers for the MPE (and Club card) via mailers and on their United account in the following weeks.
  • Make a dummy booking on United. Log into your United account and go through the motions of making a flight booking, and you may see a popup offer for the MPE with a higher mileage offer (and possibly statement credit).
  • Make a purchase through the United MileagePlus Shopping portal. People have generally received a targeted mailer a few weeks after their portal purchase. The MileagePlus Shopping portal includes iTunes, so you could possibly trigger a higher credit card offer by buying a cheap song.
  • Make a purchase on the United MileagePlus X (“MPX”) gift card app. The MPX app is available for iOS and Android devices and sells e-gift cards at face value, often in the exact amount you need, but allows you to earn 0.5-5x UA miles/$1 depending on merchant (more during promos) and passes the coding of the purchase on to the merchant’s category allowing you to trigger category bonuses on your Chase Visa credit cards.
These tricks may trigger a higher offer immediately or could take several weeks to work, if at all. Since you're looking to apply as soon as a month from now, you should probably start with the above. Keep playing around with the above tricks, as there seems to have been a lot of success with them last year. It probably helps if you don’t already have a United credit card.

Good luck!

Ok I seriously just dug through our garbage to find the United offer my DH just got in the mail. :crazy2: I dug deep because I couldn't find it, but I thought I threw it out yesterday. Finally gave up and find it on my desk. :sad2: Anywho… His offer was 50,000 miles plus $100 credit. Is that one worth going for or should I wait for a better offer? 70,000 sounds better. My plan is Europe sometime in the next few years, but I have nothing specific planned. My DH is 2/24 and besides somehow getting the Southwest CP pass in January we have no other CC plans for him. Was hoping to get something soon to spread it out with the SW apps in December/January time.

Also, is there a list somewhere that talks about the different air and hotel points and how long you can go without inactivity before they expire?
 
Rumored Chase FREEDOM Q3 5x Bonus Categories:
  • Lyft
  • Walgreens
  • Gas Stations

Omg that’s awful. And I just got a 2nd CF.:headache:

I live in a suburb so no Lyft used ever.

I never go to drug stores so Walgreens is a bust. I can get 10% back on multiple Amex cards for Disney gift cards at lowes.

Gas stations...does sams or Costco gas code as gas? Why are we repeating this category already? I only fill up once every 10ish days. And there is the 10% Exxon/Amex thing OR 10% I’m gas gift cards at Lowe’s.

I’m bummed.
 
@Lain and other Plastiq users - do you think I'd have any issues paying both mine and my DH's student loans through my Plastiq account? Not wanting to risk a Plastiq shutdown!
 
Guide on how to get a crap-ton of r/churning Karma...

1) Stay up until 2am on a night where big news (i.e. AMEX application checker thing) is released.
2) Be the first to post a detailed and super helpful comment in the thread
3) Sit back and collect your upvotes, LOL!
 
Omg that’s awful. And I just got a 2nd CF.:headache:

I live in a suburb so no Lyft used ever.

I never go to drug stores so Walgreens is a bust. I can get 10% back on multiple Amex cards for Disney gift cards at lowes.

Gas stations...does sams or Costco gas code as gas? Why are we repeating this category already? I only fill up once every 10ish days. And there is the 10% Exxon/Amex thing OR 10% I’m gas gift cards at Lowe’s.

I’m bummed.
I may convert one of our 4 Freedoms to a CFU in the event that we have a large purchase come up where I don't have an MSR to put it towards. I'm on the fence...because if Q4 is good, I don't want to be converting back and forth lol.

The bummer here to me is that there was no Paypal, ChasePay or ApplePay. I was hoping some variation of those would be around all year since they are pretty easy to max (especially Paypal and ApplePay with just sending cash and eating the fee).
 
Rumored Chase FREEDOM Q3 5x Bonus Categories:
  • Lyft
  • Walgreens
  • Gas Stations

Wow...what happened to restaurants?...oh well I guess with Walgreens this means gift cards. Unless I get my rx transferred there. But would have been great last month while on vacation in Vegas with the many times we stopped there lol.

Same with the gas station more gift cards...
 
@Lain and other Plastiq users - do you think I'd have any issues paying both mine and my DH's student loans through my Plastiq account? Not wanting to risk a Plastiq shutdown!

Do you pay for two people's loans, though? I scheduled mine yesterday, but I'm trying to find out if I can also pay DH's through my account.

I pay two separate student loans (both in my name on my account). You could always refer your DH if they're still doing the $500 fee free dollars and then he could pay his out of his own account with that CIP.
 
Do WDW restaurants count as "restaurants" for the Discover 5x? Or do they fall under the travel category? What about independently-run restaurants (some in Epcot, those in Disney Springs)?
 
I may convert one of our 4 Freedoms to a CFU in the event that we have a large purchase come up where I don't have an MSR to put it towards. I'm on the fence...because if Q4 is good, I don't want to be converting back and forth lol.

The bummer here to me is that there was no Paypal, ChasePay or ApplePay. I was hoping some variation of those would be around all year since they are pretty easy to max (especially Paypal and ApplePay with just sending cash and eating the fee).

I agree on paypal/etc. I easily hit my other quarters organically. A ton of websites take PayPal.
 
Status
Not open for further replies.












Receive up to $1,000 in Onboard Credit and a Gift Basket!
That’s right — when you book your Disney Cruise with Dreams Unlimited Travel, you’ll receive incredible shipboard credits to spend during your vacation!
CLICK HERE


New Posts





DIS Facebook DIS youtube DIS Instagram DIS Pinterest DIS Tiktok DIS Twitter DIS Bluesky

Back
Top Bottom