March 2016 Garden Thread

For just about anything you want to get off your chest about credit cards.
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kcm7
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Re: March 2016 Garden Thread

Postby kcm7 » Tue Mar 22, 2016 11:10 am

Got a trip coming up in September, and looking at the price of hotels has got me eyeing hotel cards for the first time. TU FICO is hovering just above 800, so got my sights set on the IHG card. Low enough annual fee to justify getting my feet wet with hotel rewards.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG


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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Tue Mar 22, 2016 11:31 am

kcm7 wrote:Got a trip coming up in September, and looking at the price of hotels has got me eyeing hotel cards for the first time. TU FICO is hovering just above 800, so got my sights set on the IHG card. Low enough annual fee to justify getting my feet wet with hotel rewards.

I like the card and the IHG program in general. The best signup bonus I've seen on the card is 80k+$50, and they occasionally revive that offer.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Nixon
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Re: March 2016 Garden Thread

Postby Nixon » Tue Mar 22, 2016 12:26 pm

I joined Penfed...


One EQ inquiry for Auto Loan @ 2.99%, Thrifty CLOC, Penfed Plat Rewards 5K @ 13.24%, PLOC is pending.
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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Tue Mar 22, 2016 12:52 pm

Nixon wrote:I joined Penfed...


One EQ inquiry for Auto Loan @ 2.99%, Thrifty CLOC, Penfed Plat Rewards 5K @ 13.24%, PLOC is pending.

What's the appeal of a PLOC for a rewards hunter?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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kcm7
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Location: TX

Re: March 2016 Garden Thread

Postby kcm7 » Tue Mar 22, 2016 1:05 pm

CarefulBuilder14 wrote:I like the card and the IHG program in general. The best signup bonus I've seen on the card is 80k+$50, and they occasionally revive that offer.


Yeah, I'm going to wait maybe another month or two and see if that bonus comes back up. I've also noticed that IHG sometimes will offer me a 70k bonus in their promo emails to me (I'm already part of their loyalty program).

Good to know you like the program. I figure we do enough over-night airport stop-overs before international trips that we'd use the free night every year (and earn back the annual fee).
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Tue Mar 22, 2016 1:42 pm

kcm7 wrote:
CarefulBuilder14 wrote:I like the card and the IHG program in general. The best signup bonus I've seen on the card is 80k+$50, and they occasionally revive that offer.


Yeah, I'm going to wait maybe another month or two and see if that bonus comes back up. I've also noticed that IHG sometimes will offer me a 70k bonus in their promo emails to me (I'm already part of their loyalty program).

Good to know you like the program. I figure we do enough over-night airport stop-overs before international trips that we'd use the free night every year (and earn back the annual fee).

One of the great things about the program is that there are so many ways to get points cheaply (Priceless Surprises, bonus point rates up to 30k, points + cash rates, buying points with a 100% bonus). You don't need to get spectacular redemptions because it's generally easy to get more points. Compare that to Hyatt, where the redemption values are generally better, but points only trickle in slowly.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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kcm7
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Joined: Wed Feb 19, 2014 10:05 pm
Location: TX

Re: March 2016 Garden Thread

Postby kcm7 » Wed Mar 23, 2016 9:32 am

CarefulBuilder14 wrote:One of the great things about the program is that there are so many ways to get points cheaply (Priceless Surprises, bonus point rates up to 30k, points + cash rates, buying points with a 100% bonus). You don't need to get spectacular redemptions because it's generally easy to get more points. Compare that to Hyatt, where the redemption values are generally better, but points only trickle in slowly.


Yeah, I was exploring the IHG program last night and thinking to myself, "Cool, this looks fun." Hadn't thought of Priceless Surprises -- thanks!
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Nixon
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Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Re: March 2016 Garden Thread

Postby Nixon » Wed Mar 23, 2016 3:31 pm

CarefulBuilder14 wrote:
Nixon wrote:I joined Penfed...


One EQ inquiry for Auto Loan @ 2.99%, Thrifty CLOC, Penfed Plat Rewards 5K @ 13.24%, PLOC is pending.

What's the appeal of a PLOC for a rewards hunter?


Hey, if it's all on the same inquiry you might as well load up. AKA Penfed new member app spree.
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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Wed Mar 23, 2016 5:08 pm

kcm7 wrote:
CarefulBuilder14 wrote:One of the great things about the program is that there are so many ways to get points cheaply (Priceless Surprises, bonus point rates up to 30k, points + cash rates, buying points with a 100% bonus). You don't need to get spectacular redemptions because it's generally easy to get more points. Compare that to Hyatt, where the redemption values are generally better, but points only trickle in slowly.


Yeah, I was exploring the IHG program last night and thinking to myself, "Cool, this looks fun." Hadn't thought of Priceless Surprises -- thanks!

I hope they run it again next year. They got a lot more mail-in responses than they were prepared to handle.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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CarefulBuilder14
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Posts: 3743
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Wed Mar 23, 2016 8:43 pm

I've dropped Delta Gold from my "next card" shortlist. Since the bonus is once per lifetime, and the only big perk is free checked bags, I'll wait for a better (60k+) offer.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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