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 » Wed Aug 12, 2015 4:49 pm

Whatamuji wrote:By long term earning rates, are you referring to the ways in which you can earn points?

I mean that even though Hyatt and Starwood cards don't earn a lot of points per dollar spent, they give you nice rooms for a fairly small number of points. IHG, Marriott/Ritz, and especially Hilton are inferior here.

The only (but key for me) thing that makes IHG special in the long run is the super-flexible annual free night. It's not a card for everyday spending.

Of course, there have been rumors of Starwood possibly buying IHG, so the rewards program could change more than a little.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
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Letting new accounts cool off since May
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Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Wed Aug 12, 2015 6:00 pm

Gotcha. Thanks for the clarification. The only reason I would consider getting the IHG is for the annual room. If the AF went up to say $79m, I would definitely have to reconsider my opinion on that card Because at that point, you're better off paying for the room outta pocket. I'd find it a bit funny if Starwood bought Hilton instead of IHG.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Wed Aug 12, 2015 11:21 pm

Whatamuji wrote:Gotcha. Thanks for the clarification. The only reason I would consider getting the IHG is for the annual room. If the AF went up to say $79m, I would definitely have to reconsider my opinion on that card Because at that point, you're better off paying for the room outta pocket. I'd find it a bit funny if Starwood bought Hilton instead of IHG.

Any card becomes less attractive as the AF rises, but I'm more worried about the prospect of reduced free night availability.
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

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Thu Aug 13, 2015 11:48 am

Yeah that would a concern for me as well.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Thu Aug 13, 2015 12:10 pm

Whatamuji wrote:Yeah that would a concern for me as well.

If you wouldn't still be excited at $79, then getting travel cards for bonuses might make more sense than keeping them and paying ongoing AFs. I expect to get $150-$250 of value from each free night. The only reason I didn't get the card until recently was that I assumed they had harsh category restrictions like Hyatt and Marriott.
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

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Thu Aug 13, 2015 3:23 pm

I suppose in my travels I can't recall their being a room from Holiday inn being much higher than $79. However now that I think about it, paying $79 is better than paying for a room that's $130. So I might be willing to pay $79 for a annual night.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Thu Aug 13, 2015 3:48 pm

Whatamuji wrote:I suppose in my travels I can't recall their being a room from Holiday inn being much higher than $79. However now that I think about it, paying $79 is better than paying for a room that's $130. So I might be willing to pay $79 for a annual night.

Check out the IHG website and you'll have an idea of what Holiday Inns cost in NYC, Chicago, or Boston. A centrally-located Holiday Inn Express, let alone a Crowne or Intercontinental property, would be hard to find for only $130.
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

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Fri Aug 14, 2015 12:07 am

I have no doubts about that. The Holiday Inn that is near where my family lives in Michigan charges I think around $130 a night. It's literally in the middle of a town that's probably has a couple thousand people if not less. So even outside the big city you can find expensive Holiday Inn Express.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

Whatamuji
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Re: Boost in rewards for non-AF cards

Postby Whatamuji » Fri Aug 14, 2015 3:07 am

I looked at some pictures of the local Westin. Wowzers it's nice!
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

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CarefulBuilder14
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Re: Boost in rewards for non-AF cards

Postby CarefulBuilder14 » Sun Aug 16, 2015 9:17 pm

Whatamuji wrote:I looked at some pictures of the local Westin. Wowzers it's nice!

The downside of the Starwood Amex is that it requires a lot of spending (and/or hotel stays) to offer a good value in the long run. You get Amex offers, but no annual free night or annual renewal points (like US Bank's Club Carlson). You can transfer SPG points all over, but it can be more effective to just earn 2.5x as many points via URs/MRs, and then use 1.5x as many to get a similar booking.
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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