Ways to maximize savings when purchasing direct DVC contract.. (credit card rewards etc)

[VGCgroupie]

Any update on this? I haven't seen the offer pop up yet.

Hopefully it's okay to pst this link here. https://www.doctorofcredit.com/chas...spend-requirement-branch-only-until-july-3rd/

 

[VGCgroupie]

Just an update from Dr of Credit.
Update 7/4/24: Deal is already live in branch, via physical mailers, via preapproval, and via floating links (use those at your own risk). A report ndicates the public availability was pushed off until July 11th. (We still don’t know if this offer will ever become available via referral links, but I’d say there’s a good chance it will at some point become available.)

Im waiting to see if it becomes available with referral since thats the best deal.

 

[WeIcomeHome]

It's live for me online as of yesterday. Not sure if it's for everyone though or only select customers.

 

[VGCgroupie]

Was just coming back to say it’s live for my husband at 120k when logging into his account but my referral link to him is still at 100k.

120k is still much better than it’s been if you don’t have a spouse with a card to refer you

 

[CastAStone]

My wife has the CIC (downgraded from CIP) and her referral to me is still 100K.

So we wait.

 

[chazas]

Use a new credit card with the best welcome offer. Alliant Visa is 2.5% cash back. Amex Business Plat gives 1.5x points for charges over $5000.

 

[Blerghityblergh]

Does anyone have any info on if DVC codes as travel with the Costco Citi Visa? It gives 3% on travel.

We are also trying to figure this out. So I unfortunately can’t help you right now but we might call to see if they can enlighten us in advance of the purchase.

 

[WeIcomeHome]

We are also trying to figure this out. So I unfortunately can’t help you right now but we might call to see if they can enlighten us in advance of the purchase.

I tracked down the information a few months ago and at that time timeshare purchases did not qualify as travel for the Costco card.

I went with a Chase Sapphire card (2 or 3 percent back depending on which version), and a Visa Disney card (1 or 2 percent depending on which version but more important to me is the 6 month no interest). I may also open a Chase Ink Preferred business card (3 percent) but need to verify if I qualify since I don't own my own business.

Chase has the 5/24 rule so keep that in mind if you are trying to game the intro offers.

 

[Blerghityblergh]

I tracked down the information a few months ago and at that time timeshare purchases did not qualify as travel for the Costco card.

I went with a Chase Sapphire card (2 or 3 percent back depending on which version), and a Visa Disney card (1 or 2 percent depending on which version but more important to me is the 6 month no interest). I may also open a Chase Ink Preferred business card (3 percent) but need to verify if I qualify since I don't own my own business.

Chase has the 5/24 rule so keep that in mind if you are trying to game the intro offers.

Thanks, this is so helpful!

 

[supercarrie]

I tracked down the information a few months ago and at that time timeshare purchases did not qualify as travel for the Costco card.

I went with a Chase Sapphire card (2 or 3 percent back depending on which version), and a Visa Disney card (1 or 2 percent depending on which version but more important to me is the 6 month no interest). I may also open a Chase Ink Preferred business card (3 percent) but need to verify if I qualify since I don't own my own business.

Chase has the 5/24 rule so keep that in mind if you are trying to game the intro offers.

I would read www.10xtravel.com - they have a free course which goes over credit card points in detail and one of the chapters deals specifically with business cards. Basically, most people qualify even if you don't run a traditional business. I have a couple things that could loosely count as side hustles and have qualified with Chase for the various Ink cards. Definitely worth looking into.

 

[VGCgroupie]

So the Chase Ink Preferred 120K offer is now public and not just targeted but it's still not working for referrals. There are reports that messaging chase they will match the offer after you apply but Im still waiting, I don't trust they will actually end up matching.

 

[CastAStone]

So the Chase Ink Preferred 120K offer is now public and not just targeted but it's still not working for referrals. There are reports that messaging chase they will match the offer after you apply but Im still waiting, I don't trust they will actually end up matching.

lol I just checked this a couple hours ago.

I am going to give it a couple weeks and see what happens. I am very much hoping my wife can refer me; 160K points for $95 feels like stealing. We only got 100K for her sign up; the plan was to do multiple cards but Chase shut that down before we could act on the second.

 

[VGCgroupie]

lol I just checked this a couple hours ago.

I am going to give it a couple weeks and see what happens. I am very much hoping my wife can refer me; 160K points for $95 feels like stealing. We only got 100K for her sign up; the plan was to do multiple cards but Chase shut that down before we could act on the second.

It really is. Im not sure Ive ever seen a better deal. Ive watched CC SUB deals for about 15 years now.

 

[VGCgroupie]

I thought I had my strategy figured out, but then realized one of the cards we were going to open my husband got the bonus 3 years ago, so it's 8 months before he can qualify again. I was going to do

INK w/ referral 160k
Chase Reserve w/ referral 70k
Chase Sapphire Preferred w/ referral 70k

We have to nix either the Reserve or Sapphire.

Leads me to this question..

Has anyone utilized the US Bank Altitude Extend Pay they offer that is like Chase Pay Over Time? Im curious how it compares.

 

[VGCgroupie]

Still no referral for the INK and 120K. I bet they wait until Sept when the referral offer gets lowered. I may have to just risk and hope they match it via messages.

 

[VGCgroupie]

I purchased direct on a payment plan so I need to get my CC apps in order.

So far I applied and got an Amex Gold Biz via a referral link with a 200k bonus on 15k spend. 6m no interest. AF is 375 but off set by a $240 office supply store credit (will buy GC for MF) and a $155 per year Walmart plus credit. I had an offer for 250k on platinum but decided the extra 50k wasn’t worth the AF to me and it had no interest free 6mo benefit. Amex only gives 1% on DVC so that isn’t awesome but after all is said and done it’s a pretty good savings. Minimum value of $2170

Next I will likely do the INK referral and ask for a match to the 120k

Then I just need one more. Contemplating the reserve.

 

[VGCgroupie]

Just leaving this here

 

[Lorana]

This may already be noted in this thread (I haven’t had a chance to read it all), but I thought I’d add something I recently learned.

When you purchase direct, you can spread your deposit over 90 days. Your contract doesn’t close till the deposit is paid, so it closes 90 days out.

On Disney premier, the deposit earns 2% back and is eligible for 0% financing for 6 months, allowing your cash to earn interest before paying off the contract.

In Chase Sapphire Reserve, you get x3 Ultimate Rewards points.

If you *finance* your purchase, loan payments and interest accrual doesn’t begin till your contract closes. (I financed my recent purchase so I could sell a different contract to pay for it, and this was to give me wiggle room to sell the contract to pay it off. It was my first time financing.)

You can then pay off your Disney loan with a credit card (or multiple credit cards). You will earn 2% back with Disney Premier (but it doesn’t qualify for 0% for 6 months) or x3 Ultimate Rewards points with Chase Sapphire.

 

[CarolynFH]

This may already be noted in this thread (I haven’t had a chance to read it all), but I thought I’d add something I recently learned.

When you purchase direct, you can spread your deposit over 90 days. Your contract doesn’t close till the deposit is paid, so it closes 90 days out.

On Disney premier, the deposit earns 2% back and is eligible for 0% financing for 6 months, allowing your cash to earn interest before paying off the contract.

In Chase Sapphire Reserve, you get x3 Iltimate Rewards points.

If you *finance* your purchase, loan payments and interest accrual doesn’t begin till your contract closes. (I financed my recent purchase so I could sell a different contract to pay for it, and this was to big I’ve me wiggle room to sell the contract to pay it off. It was my first time financing.)

You can then pay off your Disney loan with a credit card (or multiple credit cards). You will earn 2% back with Disney Premier (but it doesn’t qualify for 0% for 6 months) or x3 Ultimate Rewards points with Chase Sapphire.

I think this information is scattered through this thread. Thanks for stating it so clearly and all in one place!

 

[TheDailyMoo]

Just leaving this here

Did you ever do the referral and ask for the match? With the 40k referral and only 100K SUB it's still better than doing the 120k directly but to get the referral AND the match would be super sweet