I love credit cards so much! v3.0 (see first page for add'l details)

[tink1970]

I just got the Amex Platinum! It was kind of spur of the moment (very unlike me ) - I checked my offers and the 125,000 was there. I figured why not and was instantly approved!

Now I have to start researching a bit more to take full advantage of everything it has to offer.

Few questions:

1 - For DH's CSR, I messaged Chase and said his card was no longer working at registers and they sent another card with same numbers, etc that I've been able to carry and use. Would it be possible to the the same with the AmEx card?

2 - If you get one of the free gold AU cards, would that user get the 10x on gas and groceries? DH spends way more on gas than I do, so I'd love for him to have a copy of the card to get the 10x points to work on maximizing that benefit.

3 - I know about the AmEx RAT, but I've haven't paid enough attention to the details since I don't have one of their cards. If I get a gift card along with regular groceries each time, does that trigger the claw back, or is it mainly buying 100s of dollars of gift cards?

Thanks so much!

Reading above, it looks like the Charles Schwab card should probably be in my future!

Whoo hoo! Congrats-that's super exciting!

I'll do my best to answer your questions:

1) no, if you lose/damage a card Amex will send you a replacement (with a nice prepaid envelope) to return the card (assuming damage obviously) but the replacement will have different numbers and CVG so you can't essentially get another copy. I know because DD has either lost or had stolen...3 or 4 rose gold ones lol

2) this I don't know-this is brand new so not likely many if any DPs out yet

3) the Amex RAT prior post notwithstanding...IF your grocer doesn't send L2 data to Amex (and many do not because c'mon...that's a lot of data lol) then concealing a gc within a usual grocery store run purchase probably won't bring down the wrath of Amex (that said, it can always COULD happen with Amex because...it's amex ).

Anyway, congrats on your 125k Amex Plat!

 

[Disneyonmymind]

View attachment 537833

Parents need iPhones(they are on iPhone 6), so why the heck not...
ironically, this is the largest redemption i have ever done... lol

I am thinking about pulling the trigger on 1 or 2 iPhones for Christmas gifts using UR points before the offer expires today. I am thinking of getting iPhone 11 instead of 12. I agree, this is a very big redemption and it gets me nervous, LOL. Are there any considerations I need to know before I do?

 

[georgina]

3 - I know about the AmEx RAT, but I've haven't paid enough attention to the details since I don't have one of their cards. If I get a gift card along with regular groceries each time, does that trigger the claw back, or is it mainly buying 100s of dollars of gift cards?

I have the Blue Cash Preferred with 6X on groceries. I have bought $1000 worth of cards at one time without issue at Giant Eagle, (usually throw in something else so it is not an even number).

 

[alryan]

I’ve been busy the past few days, so I’ve done a lot of skimming. Someone was interested in a CSP and my link said offer not available and went back to the 60k offer. So if there really is a link on Dischurners that’s still 80k I’d do it now.

Congrats to all those 100k/125k Plat approvals. No pop up for DH and he was approved for the 100k. Trying at the top of the hour worked for me. @ski_mom I know I read somewhere that the AU will also get the 10x. I am currently doing the extra 3x MR from a referral and the AU is getting that.

 

[Albort]

3 - I know about the AmEx RAT, but I've haven't paid enough attention to the details since I don't have one of their cards. If I get a gift card along with regular groceries each time, does that trigger the claw back, or is it mainly buying 100s of dollars of gift cards?

Amex cares if they caught u buying gift cards. but u should be fine if its in small amounts. be reasonable is my advice.
Amex doesnt care though if its not part of a promotion or MSR.

edit: i should probably note, Amex is a shoot first, ask questions later kind of company. I highly recommend you keep all your receipts just in case.

 

[alryan]

Not sure why I never tried to follow this thread given the years I've been on DisBoards....so consider me a newbie when it comes to maximizing credit card rewards. And forgive me as I'm trying to learn/understand the abbreviations from the first page..

Little about me/us:

no new credit cards in past 24 months. Currently have:

Chase Disney
Chase United Explorer
Chase Ultimate Rewards
Amex Gold
Capital One Venture

The most active card it the Chase United - pay monthly school tuition (30K year for both kids). But pay that off monthly

Usually fly from Newark on United/JetBlue

Travel multiple times per year as a family (2 teens) - usually one big trip (Europe, Hawaii, cruises etc) and multiple smaller trips

We have been talking about getting additional cards to get the most travel benefits. So my questions to you pros, what are your top recommendations?

I feel like a little kid at Christmas - so excited to get this going!

Welcome! If you can still find a link for the CSP that is 80k, I would do that for your P2 immediately before it goes away. With your high organic spend I would also seriously consider the personal Plat offer right now as well. The 100k is pretty easy to pull up or maybe you could even get the 125 for whoever doesn’t have the Gold. I’ve only used MRs for Home Depot gift cards, so I don’t know the transfer partners but I think Jet Blue may be one. You may also want to consider a AmEx Biz Plat if you think those credits would work for you. That one wouldn’t count towards 5/24. I just pulled a 95k off a referral using incognito. With your high monthly spend if you do this hobby you may run out of MSR quickly so I’d even consider the Capital One Venture 100k offer. It’s a huge MSR, but you have a year for the complete bonus.

ETA: There are still 80k links on Dischurners

 

[SouthFayetteFan]

I’ve been busy the past few days, so I’ve done a lot of skimming. Someone was interested in a CSP and my link said offer not available and went back to the 60k offer. So if there really is a link on Dischurners that’s still 80k I’d do it now.

Congrats to all those 100k/125k Plat approvals. No pop up for DH and he was approved for the 100k. Trying at the top of the hour worked for me. @ski_mom I know I read somewhere that the AU will also get the 10x. I am currently doing the extra 3x MR from a referral and the AU is getting that.

Your link still shows 80k for me... are you sure it went back to 60k?

 

[disfanforlife]

I also did that bonus this year. After the $15k met the minimum time, I transferred out $5000 (I think it was $10k to avoid fees). Bonus posted on time, no hassles.

This page has information:

https://www.doctorofcredit.com/citi...lable-nationwide-direct-deposit-not-required/

Thank you! I think I am going to try it!

 

[LisaRN97]

With your high organic spend I would also seriously consider the personal Plat offer right now as well. The 100k is pretty easy to pull up or maybe you could even get the 125 for whoever doesn’t have the Gold.

ETA: There are still 80k links on Dischurners

Is this a Chase card? Or Amex? Thank you so much for your help!

 

[Hoosier John]

Is this a Chase card? Or Amex? Thank you so much for your help!

The 100/100k Platinum (aka Platicorn) is an Amex card. Annual fee around $500
The 80k card they're talking about is the Chase Sapphire Preferred (CSP). This is what I would recommend for the player without any Sapphire cards, and for you too, after you Product Change (PC) your old Sapphire to a different no fee card. We expect the 80k offer to expire soon. Annual fee $95

 

[alryan]

Your link still shows 80k for me... are you sure it went back to 60k?

I noticed that, but didn’t get a chance to report back. How weird. Must be a different link that I had saved in my computer.

 

[alryan]

Is this a Chase card? Or Amex? Thank you so much for your help!

You’re welcome! The Platinum Biz and personal are both AmEx.

 

[elgerber]

I tell ya, I can't ever pull an elevated Amex Plat offer no matter what I try LOL.

 

[ReslerMomma]

Hello everyone! I'm brand new here and trying to read up. I read the sticky comments on the first page but still feeling pretty lost. I think I'll have to read a lot more to understand. I'll start with the info the sticky said to provide.
1. Neither I nor player 2 have any credit cards.
2. I guess I would put whatever I needed to on the card to get points, and then pay it off each month. The nearest airport is Charleston , WV. I do not think Southwest does flights from here. I don't have a hotel rewards preference. I wouldn't mind driving down over a couple days and camping for our trip. My goal for churning, if I choose to do it, would be to figure out how to afford a trip to Disney World for my family of 5. 3 kids ages 2-7. I would make this trip whenever I could afford it, so not anytime soon LOL!

 

[Alexle2007]

If DH’s CSR statement closed on 11/19/16 when he met the MSR and earned the bonus, does that mean 11/20 he is eligible for the bonus again?

 

[alryan]

I tell ya, I can't ever pull an elevated Amex Plat offer no matter what I try LOL.

Did you try at the top of the hour? Nothing was working for me either and I got it then in regular Chrome.

 

[snugglebug]

Umm, speechless. My dry spell is over. We've both been getting denials on Chase and popups on Amex since about April. I focused on my Amex's over the past month. Put all the bills I could on it for a month, grabbed Gold or Surp instead of CFU for those un-bonus spends. On a whim hit the Plat link on the hour, got the 100K. Said what they heck, I'll get the pop up. Instant approval.

 

[Alexle2007]

Hello everyone! I'm brand new here and trying to read up. I read the sticky comments on the first page but still feeling pretty lost. I think I'll have to read a lot more to understand. I'll start with the info the sticky said to provide.
1. Neither I nor player 2 have any credit cards.
2. I guess I would put whatever I needed to on the card to get points, and then pay it off each month. The nearest airport is Charleston , WV. I do not think Southwest does flights from here. I don't have a hotel rewards preference. I wouldn't mind driving down over a couple days and camping for our trip. My goal for churning, if I choose to do it, would be to figure out how to afford a trip to Disney World for my family of 5. 3 kids ages 2-7. I would make this trip whenever I could afford it, so not anytime soon LOL!

Do you have a mortgage? Or any established credit? That will play into what CCs you may get approved for.

 

[Alexle2007]

Umm, speechless. My dry spell is over. We've both been getting denials on Chase and popups on Amex since about April. I focused on my Amex's over the past month. Put all the bills I could on it for a month, grabbed Gold or Surp instead of CFU for those un-bonus spends. On a whim hit the Plat link on the hour, got the 100K. Said what they heck, I'll get the pop up. Instant approval.

Congrats!

 

[palhockeymomof2]

Umm, speechless. My dry spell is over. We've both been getting denials on Chase and popups on Amex since about April. I focused on my Amex's over the past month. Put all the bills I could on it for a month, grabbed Gold or Surp instead of CFU for those un-bonus spends. On a whim hit the Plat link on the hour, got the 100K. Said what they heck, I'll get the pop up. Instant approval.

Congrats