Boost in rewards for non-AF cards

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Mon Aug 10, 2015 11:26 pm

Most cards get worse over time, AF or not. PRG getting the $100 airfare credit for only a $20 AF hike probably is an improvement overall, but it's not how things usually go.

Has anyone used this Personalized Travel Service? I have a feeling that the goal of the program is for Amex to make big commissions, rather than actually giving customers a good value and assistance.

And no FTFs and extra dining rewards are good changes, but Amex was pretty much alone in charging FTFs on $100+ AF cards. Even my no-AF Arrival doesn't charge FTFs.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red


Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Mon Aug 10, 2015 11:40 pm

My HHonors has an FTF sadly :( But it is the Non-AF version.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Tue Aug 11, 2015 12:51 am

Whatamuji wrote:My HHonors has an FTF sadly :( But it is the Non-AF version.

The $75 AF has a 2.7% FTF, too.

I know between status and a Hilton card someone can earn a huge number of points per dollar from a stay. The points aren't worth much, though, and 2.7% is going to cut heavily into anyone's rewards rate.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Tue Aug 11, 2015 8:27 am

CarefulBuilder14 wrote:
Whatamuji wrote:My HHonors has an FTF sadly :( But it is the Non-AF version.

The $75 AF has a 2.7% FTF, too.

I know between status and a Hilton card someone can earn a huge number of points per dollar from a stay. The points aren't worth much, though, and 2.7% is going to cut heavily into anyone's rewards rate.


Ouch! I don't see much point in getting the AF version of the card. I could see MAYBE and that's a big maybe getting the AF card from Citi, but if you have a card that doesn't charge FTF already and you're okay with losing a bit of points from not using your HHonors card while out of the country then there's not a whole lot of incentive to get an AF version of the card. I much rather get the IHG card and pay $49 for my free annual night.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Tue Aug 11, 2015 4:39 pm

There may be better targeted offers, but the public offers for the (Amex) Hilton cards are pretty unexciting. 40k (or 60k) points really don't go very far.

The normal rewards on (Amex Surpass) spending aren't too bad, if you stay often enough at Hiltons to redeem the rewards efficiently. I don't.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Wed Aug 12, 2015 1:01 am

CarefulBuilder14 wrote:There may be better targeted offers, but the public offers for the (Amex) Hilton cards are pretty unexciting. 40k (or 60k) points really don't go very far.

The normal rewards on (Amex Surpass) spending aren't too bad, if you stay often enough at Hiltons to redeem the rewards efficiently. I don't.


I think it depends on your spending habits. Like for me the 40k is a good chunk of points in a short period of time, however if I made more money then I can see where the 40k wouldn't be really all that great. And if I traveled for business constantly I really wouldn't be impressed with 40k. But to each their own.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Wed Aug 12, 2015 11:49 am

Whatamuji wrote:
CarefulBuilder14 wrote:There may be better targeted offers, but the public offers for the (Amex) Hilton cards are pretty unexciting. 40k (or 60k) points really don't go very far.

The normal rewards on (Amex Surpass) spending aren't too bad, if you stay often enough at Hiltons to redeem the rewards efficiently. I don't.


I think it depends on your spending habits. Like for me the 40k is a good chunk of points in a short period of time, however if I made more money then I can see where the 40k wouldn't be really all that great. And if I traveled for business constantly I really wouldn't be impressed with 40k. But to each their own.

The card itself isn't bad on an ongoing basis. There's no AF, you get Amex offers, and the minimum spending of $750 is a world apart from the $4k of CSP (or more on some business cards).

It's just that some Hilton award nights offer a really horrendous cent-per-point value - in the vicinity of 0.25-0.3 or even lower. In other words, those 40k Hilton points might end up getting you a room you could get for $120 cash.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Wed Aug 12, 2015 12:48 pm

CarefulBuilder14 wrote:The card itself isn't bad on an ongoing basis. There's no AF, you get Amex offers, and the minimum spending of $750 is a world apart from the $4k of CSP (or more on some business cards).

It's just that some Hilton award nights offer a really horrendous cent-per-point value - in the vicinity of 0.25-0.3 or even lower. In other words, those 40k Hilton points might end up getting you a room you could get for $120 cash.


Ah I see what you mean, but can't that be said about other hotel cards? And on a separate note, is that free annual night you get with IHG Rewards Club considered a rollover night? Or does it expire at the end of a calendar year?
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Wed Aug 12, 2015 1:56 pm

Whatamuji wrote:
CarefulBuilder14 wrote:The card itself isn't bad on an ongoing basis. There's no AF, you get Amex offers, and the minimum spending of $750 is a world apart from the $4k of CSP (or more on some business cards).

It's just that some Hilton award nights offer a really horrendous cent-per-point value - in the vicinity of 0.25-0.3 or even lower. In other words, those 40k Hilton points might end up getting you a room you could get for $120 cash.


Ah I see what you mean, but can't that be said about other hotel cards? And on a separate note, is that free annual night you get with IHG Rewards Club considered a rollover night? Or does it expire at the end of a calendar year?

Most hotel cards have a much bigger sign up bonus. Starwood and Hyatt have better long-term earning rates.

Most hotel cards do have annual fees, though.

The IHG free night doesn't kick in until year two. It does expire after 12 months, so you can't group two annual free nights into one stay. I'll have no trouble using the night each year, though.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Wed Aug 12, 2015 3:08 pm

By long term earning rates, are you referring to the ways in which you can earn points?
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k



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