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Wickerman
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If any of you guys are looking to sign up for the Chase Ink Business Preferred Card you can use my sign up link -

https://www.referyourchasecard.com/21/QMQUA688ED

80,000 points after you spend $5,000 in 3 months.

Details on the card here -

https://thepointsguy.com/guide/chase-ink-card-showdown/

10/24/2018 5:06:56 PM

dbhawley
All American
3323 Posts
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My Chase Sapphire Reserve AF hit this month. I know I'm getting back much more, but it still hurts to pay that annual fee.

10/26/2018 11:56:57 AM

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yeah thats a big one

when i got hit with that after the first year i called in and downgraded the card and got a refund

10/26/2018 2:21:17 PM

dbhawley
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I won't keep it for forever, but for now, it still makes sense. This might be my last year with it.

I travel a lot (both personally and for work) so the $300 travel credit is used quickly. I earn about 25k points each year, worth at least $250 (if I redeem via Chase). I use the Priority Pass membership for me and my S/O at least 5 or 6 times a year (even more now that they've restaurant credits to it). I was super bummed out when they limited PP guests to only 2 now (still not bad).

10/27/2018 5:54:44 PM

Dentaldamn
All American
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The $300 travel credit eliminates most of the yearly fee. The priority pass is $100. TSA pre check.

10/28/2018 9:58:39 AM

dtownral
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And even services like uber even go towards the credit, it's easy to hit $300 if you travel just once per year

After that getting more than $100 in benefits is easy

10/28/2018 10:32:07 AM

David0603
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Meh, I feel like they're all handing out PP memberships like candy these days. I have at least 3, maybe 4...

10/28/2018 12:29:08 PM

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Yo, lemme hold one of those

I had one with the Sapphire, but downgraded the card so the priority pass doesn't work now

^ Hey is there anything new in the manufactured spend world, or is it still all vgc to money order focused?

[Edited on October 28, 2018 at 3:08 PM. Reason : ]

10/28/2018 3:06:00 PM

David0603
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Well, at one point I had 3 dif amex platinums
I think the us bank altitude gave me one, as well as the new fancy amex hilton card
Not really. I'm sort of running out of cards to get so haven't really had to do any ms in over a year

10/28/2018 9:12:03 PM

Wickerman
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The Sapphire Reserve is a no brainer if you travel multiple times a year. I combine all the points from my Freedom, Freedom Unlimited, Ink Business Preferred, and Sapphire reserve and they are all worth 50% more with the Reserve. The $150 easily pays for itself. The priority pass and TSA precheck are the cherries on top.

10/29/2018 11:30:18 AM

Dentaldamn
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I buy a metro card which is $121/month so the $300 is gone in a month or two.

10/29/2018 12:50:26 PM

Jrb599
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8780 Posts
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I churned so many cards I can't seem to get anymore sign up bonuses.

10/29/2018 2:51:03 PM

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Your application get denied...or you do the spend and don't get the bonus?

10/29/2018 3:34:33 PM

Jrb599
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applications get denied

10/29/2018 8:17:40 PM

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you're probably getting hit with this: https://cardsfortravel.com/what-is-the-chase-524-rule/

10/29/2018 11:49:32 PM

Jrb599
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I have a list - I should be clear of that now.

It's not just chase, but citi and capital one too. They know I'm a churner so I think I'm getting denied.

10/30/2018 8:21:25 AM

David0603
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Amex? Boa? Synchrony? Usbank?

10/30/2018 9:11:10 AM

theDuke866
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Quote :
"The Sapphire Reserve is a no brainer if you travel multiple times a year. I combine all the points from my Freedom, Freedom Unlimited, Ink Business Preferred, and Sapphire reserve and they are all worth 50% more with the Reserve. The $150 easily pays for itself. The priority pass and TSA precheck are the cherries on top."


yeah that's a great card. I also happen to get the annual fee waived by being military, which makes it a double no-brainer (to be clear, the annual fee is really $450, although you get a $300 travel credit. I just get the $300 credit for free! I've even used it to rent an airplane before...it's not just for hotels and rental cars.)

Why do you keep the Freedom and Freedom Unlimited, though? I had both of those at one time or another, but cancelled them. The AmEx Blue Cash Preferred has better rewards, I'm pretty sure.

Basically, I use my Sapphire Reserve for most stuff. I put gas/groceries/drug stores on the AmEx. I keep an IHG (hotel) card because it has a free night or two per year, and Chase waives the annual fee on that one, too...but the Sapphire Reserve and AmEx Blue Cash Preferred are basically the 2 that I keep in the rotation for ongoing use.

...then I occasionally sign up for another card and use it for a couple of months just to score the bonus, and then cancel it.

10/31/2018 1:41:51 AM

NCSUMEB
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Because the Freedom for a lot of people was their first decent rewards bearing card (credit history) and it has no annual fee and there are some decent 5% categories from time to time. Zero risk/cost to keep open.

10/31/2018 9:14:01 AM

Jrb599
All American
8780 Posts
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Declined from Amex.

I don't think USbank or Synchrony have sign up bonuses worth my an application

10/31/2018 10:33:22 AM

theDuke866
All American
51604 Posts
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^^ ok, that makes sense for credit history, if it's your first/oldest card.

10/31/2018 10:18:26 PM

David0603
All American
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^^ I've gotten over $1000 for travel via USBANK
Also, Bank of Puerto Rico

11/1/2018 5:20:18 PM

David0603
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Paid $450 for amex biz plat 1st year, entire fee waived 2nd year, 3rd year, 5K points up front + 25K points for $10K spend in 3 months as their retention offer which I accepted

11/28/2018 12:58:21 AM

CarZin
patent pending
10519 Posts
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David, do you actually need to have s Biz for that card?

11/28/2018 7:51:26 PM

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No. If they ask for business name say Vandelay Industrials and for tax ID use your social.

11/28/2018 8:24:32 PM

David0603
All American
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^

11/29/2018 11:49:15 PM

ElGimpy
All American
2890 Posts
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I've been getting denied left and right lately

12/7/2018 1:06:47 PM

David0603
All American
12652 Posts
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Just got approved for one of the Delta 70K offers last month as well as another Alaska Air.
With Chase expanding 5/24 to all of their cards, I may take it easy on new approvals next year.
The retention offer I just got will take care of my spending for most of Jan and Feb.
Maybe I'll try to put 15K spend on my Hilton card to get a free night and possibly open myself back up to getting Chase cards in late 2020 which would work out nicely for companion pass timing if it still exists then...

12/7/2018 5:30:09 PM

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