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Do You Get Double Points on Chase Sapphire for MTA in NYC?

Answer: YES. Absolutely. As a fellow disgruntled forced loyal MTA rider (like most of NYC), I always use my Chase Sapphire Preferred card when I load up my MetroCard. I also use it on all my other travel and restaurant spend, except when I’m trying to meet minimum spends on other cards.

You’ll also get double points for these other travel expenses:

  • Rental cars
  • Anything remotely related to air travel (tickets, drinks on the plane, baggage fees, change fees, booking fees [OK – any fees], gift cards, and some points purchases)
  • TAXIS (important to also know in NYC!)
  • Any type of car service (for the Brooklyn people)
  • Public transportation anywhere (Tube in London, BART in SF, CTA in Chicago, etc.)
  • Hotels, even including Airbnb – I confirmed this with a phone rep

Restaurants is another huge category:

  • Fast food
  • Bars
  • Lounges
  • Catering
  • And pretty much anywhere that’s coded as an “eating place” – meaning they serve food (or drinks!). I use my Sapphire in bars all the time.
Eating Place

“Eating Place” (also, I love Mexican food)

 

Interesting to note something that’s not included in the “travel” category, though: GAS. If you fill up your rental car with gas before returning it, you’ll only earn one point per dollar. Better to use the Chase Ink Plus/Bold or the American Express Premier Gold Rewards card for those transactions since they do earn two points per dollar at gas stations.

Since travel and restaurants are my two biggest spend categories, I love love love the Chase Sapphire Preferred card. Worth every penny of the $95 annual fee.

The Feeling of Travel

It occurred to me today as I stepped on Delta metal after being on United and Aeromexico flights the past day or so. It felt right.

There are so many options when it comes to carriers. I think people who travel often should sample a wide variety of them before committing. I’m sort semi-dating American right now though I do like Delta a lot. The feelings I like when I’m on Delta are of being assured, feeling safe, and stepping into an old habit or groove. I feel like I can relax as the MQMs are flowing in. I understand the (arguably shitty) SkyMiles program, and know what I want to use it for (hint: trip to Australia later this year). I know the hubs, the routes, how to wring blood out of a stone AKA book an award flight with them. I dunno, it just felt natural somehow.

That’s the feeling I seek when I travel. That sense of rightness, and of exploration, and of comfort. I know my upgrade chances are always slim with Delta, and I wish that would improve, but I always look forward to the SkyClubs. Delta giveth and Delta taketh away.

On the contrary, being on United metal felt kinda icky to me. It’s a shame because I love Chase Bank so much. Their credit card signup bonuses are the best in the industry. If Chase partnered with Delta, that would be the best-case scenario. But they don’t. They have United. Bleh. I avoid giving them revenue whenever possible. I would really only use them if I were flying free or booking an award on another, better airline. Why don’t I like United?

Just in that same way that Delta jives with me, United just doesn’t. I find the FAs and CSRs to be almost kind of spiteful and vindictive. It’s like there’s this mean streak running through the core of the company and I can’t quite place, but that shows up from time to time. And each time, like yesterday, I’m reminded why I avoid United. Some people love United, and that’s great. Maybe they live in Houston or Chicago, or just really like the service or clubs or destinations.

There are many reasons why people like the things that like. But some of them just can’t be placed.

Am I off here? I love being up in the air. Love it. But more and more lately, I’m becoming very aware of the company I’m sharing the experience with.

Hawaii: 10 Days and 3 Islands for $100 a Day

The Chase Sapphire Preferred card was my first premium credit card.

Before that, my credit history was full of collections, defaults, and charge-offs. My credit score was in the low 500s.

In early 2012, I resolved to finally get my credit under control. I used my tax return (in conjunction with my full-time job at the time) to pay down my credit cards to $0. I started making big payments at the end of January.

By late February, my credit score shot up to 702! Pretty amazing – but was I ready to apply for a premium card?

My relationship helped

Read More

My First App-O-Rama 2.22.13

On the evening of February 22, 2013, I had a little too much tequila and decided to do an app-o-rama. Not the best idea ever, as I caused myself to miss out on yet ANOTHER Amex bonus by not paying close enough attention to the T&C. I think I was little nervous about applying for three cards in one night.

I would’ve applied for four, but I’m sorta between jobs/projects right now and didn’t want to push it with the minimum spend requirements. Here’s what I ended up getting:

british-airways-visa

Chase British Airways Visa Signature® Card

  • 50,000 Avios after spending $1,000 within three months
  • 25,000 more Avios after spending $10,000 in the first year
  • 25,000 MORE Avios after spending $20,000 in the first year

Why I got it:

  • No foreign transaction fees
  • Smart Chip Technology
  • Great earning structure: 2.5 Avios/dollar on BA and 1.25 on everything else. Pretty fantastic.
  • Avios are GREAT for short-haul trips under 650 miles – only 4,500 Avios each way in economy. But for short flights of ~2 hours, I couldn’t care less about class of service. This is great for visiting Montreal, Toronto, Boston, and other cities in the near-Northeast region. And it’s only 7,5000 Avios to Chicago (I love Chicago).  They’re also great for repositioning for mileage runs (I haven’t done one… yet.) This post from Extra Pack of Peanuts has a lot of great info about the Avios program.

AAdvantage Citi card

Citi Select® / AAdvantage® American Express® card

  • 50,000 AAdvantage miles after spending $3,000 within four months
  • 2 Admirals Club lounge passes
  • $150 Statement Credit on American Airlines

Why I got it: 

  • To build up my AAdvantage balance
  • I am thinking of switching the bulk of my flying from Delta to American
  • 1 free checked bag, priority boarding, and get 10% of miles redeemed back (up to 10,000 miles per year)
  • $85 annual fee is waived for the first year (so why not)

premier-rewards-gold amex

And the sore spot. The American Express Premier Rewards Gold Card

I got in didn’t get in on this offer:

50,000 Membership Rewards points after spending $1,000 within three months

Why I wanted it:

To build up my Membership Rewards balance

It has the best earning structure of all the MR cards (three points/dollar on airfare (four if booked thru Amex Travel), two at gas stations (moot point for NYC) and grocery stores (which could encourage me to not spend so much eating out!), and one point everywhere else.

I went ahead and put $1,000 of spend on it the first day JUST TO SEE if it would trigger the bonus or not. I’m not eligible for it because I already have the Platinum Card, but whatever. Anyone know how good Amex is about blocking bonuses for this reason? It’s entirely my fault – I should’ve read the T&C more closely. I blame first app-o-rama jitters and too much tequila.

I also really wanted to pick up the Ink Plus card from Chase while I was at it, but alas. The $5,000 spend within three months was a little bit much. Plus, I’ve got a lot of spending to put on the new British Airways card to unlock the full 100,000 Avios.

So that’s it. My first app-o-rama. I was instantly approved online for all three with nice credit lines on each, which made me feel really confident about my credit health. My travel goals for this round of apps are Toronto, Montreal, Boston, Dublin, Seattle, Alaska, and eventually, Australia. I’d also LOVE to fit in Vienna/Prague sometime this summer. 🙂

Chase Sapphire Preferred 7% Annual Points Dividend Posted

Screen Shot 2013-03-01 at 3.45.05 PM

I LOVE this card. Chase consistently knocks it out of the park with their Ultimate Rewards program. I’m saving up 150,000 points to redeem a dream trip to Australia and Tokyo this winter (Australia’s summer). This little perk of the Sapphire Preferred card is worth more for travel than the annual fee of $95 (assuming each point is redeemed for over .02 which I always do). Definitely a keeper. I almost feel bad about having to route most of my spend onto the British Airways Visa. But it’s still a Chase product. Well played, Chase. Well played.