Thank you. I always look at the points so I wouldn't have looked at 35,000 points as alot never looked at the transfer and how it's higher. Interesting.As a follow up to my earlier suggestion about the Chase Ink Preferred card, if you don't have a Chase branch nearby, it may make sense to put off applying for the CIP until a few months down the line.
The reason being Amex is currently offering the SPG Business credit card at an all-time high of 35,000 Starpoints right now until 3/28/18, so it might make more sense for you to apply for this SPG Biz card first. The current offer from Amex is 35,000 Starpoints after spending $7,000 in 3 months, with the first year annual fee waived. Don't be distracted by the point difference because different points are valued differently. So whereas the CIP would get you 80,000 UR points, and you can transfer UR points to Marriott Rewards points at 1:1, so 80k UR = 80k Marriott points, 35k Starpoints = 105k Marriott points because they transfer at 3:1. It gets a bit more complicated from there. But with Starpoints, you can transfer them to airline partners, transfer them to Marriott for stays or vacation packages, or if you have enough of them use them for free nights at Starwood hotels and resorts. And because the Amex SPG Biz is a business card, it will not report to your personal credit report, and will not count towards how many credit cards you've opened in the past 24 months (*/24), which won't affect any plans you have to apply for Chase's credit cards (like the CIP) down the line.
How about hotel credit cards like Marriott etc. Worth it?As a follow up to my earlier suggestion about the Chase Ink Preferred card, if you don't have a Chase branch nearby, it may make sense to put off applying for the CIP until a few months down the line.
The reason being Amex is currently offering the SPG Business credit card at an all-time high of 35,000 Starpoints right now until 3/28/18, so it might make more sense for you to apply for this SPG Biz card first. The current offer from Amex is 35,000 Starpoints after spending $7,000 in 3 months, with the first year annual fee waived. Don't be distracted by the point difference because different points are valued differently. So whereas the CIP would get you 80,000 UR points, and you can transfer UR points to Marriott Rewards points at 1:1, so 80k UR = 80k Marriott points, 35k Starpoints = 105k Marriott points because they transfer at 3:1. It gets a bit more complicated from there. But with Starpoints, you can transfer them to airline partners, transfer them to Marriott for stays or vacation packages, or if you have enough of them use them for free nights at Starwood hotels and resorts.
And because the Amex SPG Biz is a business card, it will not report to your personal credit report, and will not count towards how many credit cards you've opened in the past 24 months (*/24), which won't affect any plans you have to apply for Chase's credit cards (like the CIP) down the line. We expect the CIP will still have its 80,000 UR signup bonus in a few months time.
I'd really advise you to do some research on what various points are worth. It really depends on where you plan to redeem them/use them.IHG is offering 60,000 and Marriott offering 75,000. Are either of these worth doing?
are most of these credit cards free for first year? I would love that since traveling in 2-3 years so don't want to pay for credit cards for that many years. Appreciate everyone's help and feedback
IHG is offering 60,000 and Marriott offering 75,000. Are either of these worth doing?
Offhand, the cards that have their first year AF waived are: Amex SPG Business credit card; the Chase Marriott Rewards Business credit card; the Amex Business Rewards Gold, and the Amex Premier Rewards Gold (a personal card that will count against the 5/24 rule).
For those of you who PCd your CSR, how long did it take to see the AF credit? DH got his CSR on 02/04/17 and he called in on 02/21/18 to PC to the Freedom. The $450 AF posted to his Freedom account on 03/01/18. I honestly didn't think it would post at all, since we didn't see it before he called. Now it's been 8 days since it posted (statement cut on 03/06/18, not that this is relevant) and still no credit. Just curious what your experiences have been.
Hawaii I want to go to two islands Maui and Oahu. Italy want to go to Rome & Venice. I opened 2 credit cards in past 24 months. Yes I own a daycare business. So any hints you have for me would be great.
How about hotel credit cards like Marriott etc. Worth it?
IHG is offering 60,000 and Marriott offering 75,000. Are either of these worth doing?
are most of these credit cards free for first year? I would love that since traveling in 2-3 years so don't want to pay for credit cards for that many years. Appreciate everyone's help and feedback
How about hotel credit cards like Marriott etc. Worth it?
IHG is offering 60,000 and Marriott offering 75,000. Are either of these worth doing?
IHG is offering 60,000 and Marriott offering 75,000. Are either of these worth doing?
They take Apple Pay...not Chase Pay.Assuming this is correct, I'll be curious to see strategies for spending via Chase Pay and Paypal. Sure wish Toys R Us took Chase Pay so that I could buy GOC cards (I think they take Apple Pay but not Chase Pay??).
Thank you. I always look at the points so I wouldn't have looked at 35,000 points as alot never looked at the transfer and how it's higher. Interesting.
I haven't installed the app yet but I was reading about it and I thought it said within the app you could see what stores near you accepted it. So I guess they have a location service built in, or maybe a search. I thought I ready Kroger was doing a trial of it but I don't have any Kroger stores near me so I don't pay close attention. I think I was looking up supermarkets that took it and kinda stopped when I found Shoprite
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The next step after the CIP (wait at least 30 days) is to double dip with the CSP/CSR. The CSR has a high annual fee of $450 dollars but you get Global entry or TSA precheck fees reimbursed and a $300 travel reimbursement every year. If you can spend 8k in three months you have to apply for both on the same day. Chase instituted a rule with only one sapphire card every 24 months, but the way around the rule is to apply for both on the same day. Preferably, a business day incase you get the 30 day message. If you can’t spend 8k I’d pick which one you think is a better value. Some people think the CSR with the $450 annual fee is worth it others would rather the CSP where the annual fee is waived the first year. They are both definitely worth it in the first year if you can get both bonuses. After your first year one of those cards you should downgrade. You may even want to downgrade both to a no fee version...