Credit Cards

Category Archives for Credit Cards.

[False Alarm] Citi Card Apps No Longer Have 24 Month Language?

as

Update: Not sure what’s going on but I see the 24-month language on some application pages. I’m wrong and nothing has changed. I got excited and jumped. Going to close this for now. Sorry for the false alarm! 

Just a quick post.

Citi has been limiting card sign-up bonuses per family of “brands” to every 24 months – with a clock that resets if you open OR close an account within that family. The 3 brands are:

  • American Airlines
  • Hilton
  • ThankYou points

So for example, if you opened or closed the Citi Hilton Reserve within the previous 24 months, you could NOT get the sign-up offer on the Citi Hilton no annual fee card. Period.

But it looks like that restriction has shifted:

citi 24 months

“New accounts only”

Now it says, “This offer valid for new accounts only.”

What does that mean?

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Cool! Some Plastiq Payments Coding as 3X for Travel With Chase Sapphire Reserve

Are you the premium Chase card of my dreamz?

It looks like some payments with Plastiq are triggering 3X points per $1 with the Chase Sapphire Reserve card. Apparently, rent or mortgage payments are coding as “lodging/travel” and appear as “travel” – which is a 3X category.

I made a $30 payment toward one of my Airbnbs and didn’t change the category in Plastiq – I left it marked as a rent payment.

chase sapphire reserve plastiq 3X

I sent the payment as “rent, mortgage, and real estate”

And when I checked today, it had cleared and earned 90 Chase Ultimate Rewards points (3X).

SWEET

SWEET – 3X

If you have rent or mortgage payments, it would be worth it to use your Chase Sapphire Reserve card, even considering Plastiq’s 2.5% fee.

By the numbers

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Easy Win: Do the Dollar Shave Club Amex Offer and Get Some Free Stuff

From the Out and Out bathroom, thank you DSC!

So there’s a semi-complicated new Dollar Shave Club Amex Offer that you can approach in a couple of different ways.

Whichever way you wanna slice it, it’s extremely worthwhile because you end up with free stuff. If you have this Amex Offer in your account, there’s absolutely no reason why you shouldn’t get in on this.

Dollar Shave Club Amex Offer

Shave wit me

I’ll break it down and help you decide which route you should go, should you be a human who removes hair with a razor or bathes, and have this Amex Offer. Even if you don’t, read on.

Dollar Shave Club Amex Offer

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

I’m Over Cashback Cards and Into Starwood Points

I like you now and I'll be sad when you leave

Also see: 

There, I said it.

In 2013, I famously said (typed), “I don’t care about Starpoints.” At the time, my grievances were:

  • 1 point per $1 spent was too low of an earn rate
  • You have to spend so much to earn a meaningful reward
  • The earn rate with other hotel programs is better, so why bother with Starwood?
Starwood Points vs cashback

I like you now and I’ll be sad when you leave

But a lot has changed since then. The merger with Marriott opened a few cool new opportunities, like:

Nothing's fine I'm torn

Nothing’s fine I’m torn

And, I’ve been putting a non-bonused spend on my Amex Starwood card, to the chagrin of my previously beloved Fidelity Visa. (Although I still use the mess out of my Discover it card cuz I want that sweet Dublin!)

In fact, I think I’m…. over cashback cards. For now, at least.

Drinking the Starpoints Kool-Aid

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

It’s Back: 35,000 Points With Both Amex Starwood Cards

It's back, like a heart attack

Also see:

Well would ya lookit that. I wasn’t expecting to *ever* see a limited-time offer on the Amex Starwood cards again. But now, you can earn 35,000 Starwood points on the personal and small business cards after meeting tiered minimum spending requirements through April 5th, 2017.

spg amex 35000

It’s back, like a heart attack

Marriott has agreed to leave SPG alone until 2018, but then get ready for a butchering. Realistically, Marriott has no incentive to keep the program as it currently is. But, I’m pleased Amex is giving peeps one more stab at this terrific offer.

I broke the seal with the business version of the card last time this offer came ’round in March 2016. Before it ended, I had both versions.

Little did I know I’d hoard the points like a squirrel or ferret until such a time as I’d use them for a Southwest Companion Pass. The hammer drops on that method on March 31st, 2017. But if you applied like *now* and met the minimum spending in short order before the statement closes, you could probably squeak by.

The huge caveat is the bonus on both cards is once per person, per lifetime (AKA 7 years). But if you’ve never had it… I highly doubt this offer will ever come back.

The short

Highest-ever offer returns. If you’ve never had the card, this is probably your last chance to get it.

The long

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

This Card Got Me a $500+ Hotel Stay for $49

as

So, I’m shutting down my last New York Airbnb at the end of this month. This will effectively cut my final tie to that city – finally. I wanted to go for a night or two to turn in the cable box, return the keys, and officially wrap it up.

Of course, I thought about using hotel points because I really didn’t want to pay for it (although I could theoretically write off the expense). Then it occurred to me I had a free night from my Chase IHG card set to expire. Even better, I just earned another one for paying the second year’s $49 annual fee.

chase ihg card

Right where I need to be in town and 100% free

I used them for a ~$539 two-night stay at the Hotel Indigo Lower East Side New York for $0. Because the annual fee is waived the first year, I basically paid $49 – and got back a stay worth over $500.

Here’s why you might consider picking up the Chase IHG card. Even if you already have lots of other cards.

The Chase IHG card gives easy value year after year

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

How a $6 Charge Made My Credit Score Drop 100 Points

So, so ugly

Considering all the things I’m juggling all the time, my accuracy rate is pretty high. But more to keep track of means more things fall through the cracks.

Before I moved to Dallas ~7 months ago, I changed all my addresses to my new address. During this, I paused the shipping on my Dollar Shave Club account.

And somewhere along the line, I canceled my Amex EveryDay Preferred card because I wasn’t making 30 transactions on it per month. To help with the transactions, and because it was so low, I made it my primary card for Dollar Shave Club’s recurring $6 monthly charge.

You can guess what happened. Somewhere in the middle of everything, the shipping resumed.

my credit score dropped

$6 messed up my credit score

And somehow, the charge cleared. Usually, when a card is closed, you’ll get an email from the merchant saying the payment failed. Not so with this one.

Amex cleared the charge. And I never got an email from or letter from them. Until one day, I saw my credit score dropped from 803 to 702 – because of non-payment of the $6 charge.

Amex has no idea what’s going on

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Don’t Make This Mistake With Sapphire Reserve & Prestige Travel Credits

asd

Update 2/6/17: So… the entire premise of this post is incorrect. I flubbed this one, guys.

Because you get 2 credits and 1 charge so in the end, you really do get to keep your credit. My mind has been hazy this week and I apologize for the incorrect information, though it was well-intentioned guidance. Anyhoo, nothing to see here.

Huge thanks to my readers who pointed out my mistake in a guiding and gentle way. It means a lot to me – kind of super emotionally sensitive right now. You guys really are the best.


Oy. I had a slip-up with my Chase Sapphire Reserve $300 annual travel credit last week. Luckily, it wasn’t that bad.

But here’s a PSA of what NOT to do.

annual travel credit

If you get a refund, you essentially lose your credit!

I booked a round-trip award flight on Southwest with my Sapphire Reserve. The taxes were $11.20.

Immediately after, I thought it better to have the trip as 2 one-ways so could lock in the price if plans didn’t change. Or have the option to change either (or both) legs down the road if needed. So that was another $11.20.

When I canceled the first ticket, I had the option to get a refund or store the money in my Southwest bank. I didn’t think it through, and impulsively hit “Refund.” Not good.

A couple of days later when the charges and credits hit, I realized what I’d done. I did get the $11.20 refund. But I lost $11.20 of my travel credit. It’s not a huge loss, but what if it was an entire paid flight? 

A similar thing almost happened to me again this week at a hotel!

Another time I messed up

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Citi Offering Instant Upgrades for Hilton Visa, but No Bonus

as

This morning, I got an email from Citi with an offer to upgrade my no annual fee Citi Hilton Visa to a Citi Hilton Reserve with a $95 annual fee.

The email subject was, “Upgrading your card means enhanced benefits.” I was excited because I’ve never seen an offer from Citi like this. So I was hoping to score some bonus Hilton points in the process. But, all you get with this offer is “One Weekend Night Certificate Opportunity and Gold Status.”

upgrade citi hilton visa

Ya know, nah

Thanks but no thanks. This isn’t a good deal with no bonus points involved. But I’m glad Citi is trying new things.

I also don’t know if they’re sending out targeted offers with this card or others, so it’s worth checking your email and junk folder to see if anything is in there.

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Pick Up 30,000 Alaska Miles Every 45 Days

as

I recently picked up an personal Alaska Visa card, then tried to get another one soon after. It was automatically denied. Like, straight up the answer is no.

That’s unusual, so I thought it may have been because I didn’t lower the limits on my existing Alaska cards before applying. Not wanting to waste the hard pull on my credit (because multiple inquires on the same day are combined), I applied for the business version of the card and was instantly approved.

alaska miles every 45 days

Deeee-nied!

But I didn’t want to let it go. I called the next day to speak to a credit analyst (they are open 8am to 7pm and I usually apply for new cards late at night while tipsy) for reconsideration.

I offered to lower my limits on one of the other cards, as they are pretty high (like $20,000 each), but she said the denial had nothing to do with my credit score or account history. And moving credit lines wouldn’t help me, either.

I was denied because I already opened a personal Alaska card within the last 90 days – which was the first time I’d heard that. But apparently it’s been enforced sporadically for a while.

So I figured how to play by the “new” rules and still get my doses of Alaska miles: rotate between the personal and business versions of the card every 90 days.

Get 30,000 Alaska miles every 45 days

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

I Saved $3,000 With Citi Prestige Last Year (and Got a Retention Offer)

I still luh ya, but not *as* much

Also see: 

My Citi Prestige card’s $450 annual fee recently posted. I will happily keep it for another year (if only to have Admirals Club access through the end of July 2017).

I’ve dutifully tracked the value I’ve gotten on the Citi Prestige by the Numbers page. But I want to dig into the numbers a little more.

citi prestige worth keeping

Sorry for the selfie, but I needed a pic for this post

I also got an retention offer to earn 7X Citi ThankYou points on $8,750 in spending on airfare, hotels, and travel agencies – which is fine because I book ALL my airfare on this card to take advantage of its industry-leading trip delay and cancelation insurance that kicks in after only THREE hours (better than Chase Sapphire Reserve and any personal Amex card).

Year One by the numbers

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Ameriprise Amex Platinum Card Has No Fee the First Year, Plus $400 in Travel Credit (and Free Lounge Access!)

My friend Angie passed this tip along today, and I must say I was very tempted.

You can pick up the Ameriprise Amex Platinum Card with no annual fee the first year.

Ameriprise Amex Platinum Card

Good deal alert!

For those of you who can’t earn the sign-up bonus on an Amex card, the good news here is there isn’t one – so you’re not missing out on anything.

Plus, now is a good time to apply because the $200 annual travel credit will reset in January 2017.

So you essentially get the card free for a year, plus $400 in statement credits ($200 in 2016 and $200 in 2017).

Why the Ameriprise Amex Platinum Card?

Read More

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!