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everyday:money:credit_cards [2020/06/28 15:53]
admin [Checking Accounts]
everyday:money:credit_cards [2020/07/08 07:56] (current)
admin [Closed]
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 <blockquote>I'm signing up for a checking account with you guys, but I don't want to order a pack of checks. How would I do that? --Me</blockquote> <blockquote>I'm signing up for a checking account with you guys, but I don't want to order a pack of checks. How would I do that? --Me</blockquote>
  
 +Chase Sapphire Reserve only gives 1% back on purchases (1.25% if redeemed for travel). While it's worth it to spend $4K for the signup bonus of $500 or so (12% return), it's **not** competitive for amounts beyond that! I'd rather get 2% **in cash** with a different card, even if it doesn't have a signup bonus! 
 +  * So that's why Chase has such high referral payments to bloggers ($100)...because they charge 1.5%-2.5% in processing fees to the merchant and only have to pass along 1.25% to the card holder!
 +  * So all these blog folks that are hawking free first class everything travel...for folks to actually get the other $500 they have to spend ~$40K on their Chase card instead of $25K on a 2% cash back card! I wonder why they don't talk about that...
 +
 +
 +===== Money Transfer =====
  
  
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 | BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 | | 7647 | | BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 | | 7647 |
 | Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://onemileatatime.com/citi-card-24-month-rule/ | Having issues redeeming.\\Want to create an AAdvantage account, but it says there's already one with my name on it.\\Need to call... \\ Annual fee | | 8115 | | Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://onemileatatime.com/citi-card-24-month-rule/ | Having issues redeeming.\\Want to create an AAdvantage account, but it says there's already one with my name on it.\\Need to call... \\ Annual fee | | 8115 |
-| US Bank Altitude Reserve | $400 annual fee, but $375 in travel credit + 50K points \\ [[https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/#US_Bank_Altitude_Reserve_8211_50000_Points|Doctor of Credit]]| Approved July 2019\\ Apply for Global Entry on receipt, wait to churn on tax payment \\ {{ :everyday:money:lounge_directory.pdf |Priority pass lounges}} (4 free for cardholder, 4 for guests) $28 value each \\ flight on same day | 9516 | 
 | [[https://www.usbank.com/splash/credit-cards/cash-plus/aff/index.html|US Bank Cash Plus]] | $150/$500, but rewards expire in 36 months \\ Approved Aug 2018 | | 3093 |  | [[https://www.usbank.com/splash/credit-cards/cash-plus/aff/index.html|US Bank Cash Plus]] | $150/$500, but rewards expire in 36 months \\ Approved Aug 2018 | | 3093 | 
 | Wells Fargo Propel | $300 / $3k. $0 annual fee| Approved July 2019 \\ Use to churn on tax payment\\ 0% APR until August 2020. Autopay min| | | Wells Fargo Propel | $300 / $3k. $0 annual fee| Approved July 2019 \\ Use to churn on tax payment\\ 0% APR until August 2020. Autopay min| |
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 ^ Name ^ Notes ^ State ^ Number ^ ^ Name ^ Notes ^ State ^ Number ^
 | Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://thepointsguy.com/guide/citi-thankyou-transfer-times/|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn't seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | Closed Jan 2 2020 | 7682 | | Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://thepointsguy.com/guide/citi-thankyou-transfer-times/|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn't seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | Closed Jan 2 2020 | 7682 |
 +| US Bank Altitude Reserve | $400 annual fee, but $375 in travel credit + 50K points \\ [[https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/#US_Bank_Altitude_Reserve_8211_50000_Points|Doctor of Credit]] \\ Approved July 2019\\ Apply for Global Entry on receipt, wait to churn on tax payment \\ {{ :everyday:money:lounge_directory.pdf |Priority pass lounges}} (4 free for cardholder, 4 for guests) $28 value each \\ flight on same day | **Cancelled July 2020, supposedly posted annual fee is cancelled** \\ Sarah 200708026136 | 9516 |
 ==== On Deck ==== ==== On Deck ====
 Maybe I just want to just save up for Chase 5/24 for FI! Maybe do one good card a year for travel, otherwise do cash quarterly tax payments. Most of the cards only give .5c/point for cash and they're just not as good as chase. Maybe I just want to just save up for Chase 5/24 for FI! Maybe do one good card a year for travel, otherwise do cash quarterly tax payments. Most of the cards only give .5c/point for cash and they're just not as good as chase.
everyday/money/credit_cards.1593384829.txt.gz · Last modified: 2020/06/28 15:53 by admin