Cards for bonuses

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
36 posts
Dman316
Centurion Member
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Posts: 108
Joined: Fri Mar 29, 2013 3:37 pm
Location: Pittsburgh, PA

Postby Dman316 » Sat Apr 13, 2013 10:55 am

A solid bonus is a must for me but I tend to look long-term in its viability.
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.


Scoach
Gold Member
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Posts: 39
Joined: Wed Mar 06, 2013 9:56 am
Location: Florida, United States

Postby Scoach » Sat Apr 13, 2013 11:54 am

This is curious to me. I applied for the CSP specifically BECAUSE I wanted a second travel card to add to the AmEx. Some places simply aren't AmEx friendly, and though I had a Freedom, I wanted a no FTF card for travel. I also like the Ultimate Rewards program. The 5x bonus categories that feed into from the Freedom, and the 2x dining on the CSP that feed in, make it a bit easier for me to gain points on those cards than my AmEx.

I also find it somewhat curious that you say the $95 for the CSP would be "problematic". In what way?

Sevenfeet wrote:I thought about getting the Chase CSP card when I first joined this board. Then I realized that compared to other cards I was apping for, the CSP would likely end up getting used during the bonus period and then not used much again. Frankly, since I already carry an Amex Platinum, I don't have use for a second travel card. And the annual fee at year 2 would be problematic. That's just not worth having it in the first place in my book.
AmEx - Platinum, Gold, Bluebird
Chase - CSP, Freedom
HSBC - Orchard Bank (1999)

cashback
Centurion Member
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sat Apr 13, 2013 12:50 pm

Scoach wrote:I also find it somewhat curious that you say the $95 for the CSP would be "problematic". In what way?


Because you're paying $95 a year for a 2% card...
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

FutureBillionaire
Centurion Member
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Sat Apr 13, 2013 4:46 pm

cashback wrote:Because you're paying $95 a year for a 2% card...


I can only justify it due to the bundle with the Freedom and the UR points.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

3MDR
Green Member
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Posts: 11
Joined: Fri Apr 05, 2013 11:08 am
Location: Colorado

Postby 3MDR » Sun Apr 14, 2013 12:16 am

cashback wrote:Because you're paying $95 a year for a 2% card...


[color="Red"]Incorrect[/color]

No offense but it bugs me when people make comments when they are absolutely clueless.

[7% Annual Points Dividend]
Chase Sapphire Preferred® will automatically award you a 7% Annual Points Dividend on all new points earned on purchases throughout the year – even points you have redeemed.

[2X Points on Travel]
Earn 2 points per $1 spent on travel when you use your card to pay for airfare, hotels, cruises, rental cars, train tickets, taxis, tolls and more.

[2X Points on Dining]
Earn 2 points per $1 spent at restaurants. No matter where, or what, you eat – from fast food to fine dining.

[1 Additional Point on Travel]
Earn 1 additional point (total of 3 points) per $1 spent when you book airfare or hotel accommodations online through Ultimate Rewards.

[No Foreign Transaction Fees]
Pay no foreign transaction fees when you use your card on purchases made outside the United States.

cashback
Centurion Member
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sun Apr 14, 2013 1:03 am

Lol so that's basically what I said without going into detail... 2 points for travel and dining, 1 point on everything else. Still not worth the $95 when you can get 5% on all those purchases... Buy hey, if you like giving Chase your $ for a mediocre card, then be my guest...
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

Scoach
Gold Member
Gold Member
 
Posts: 39
Joined: Wed Mar 06, 2013 9:56 am
Location: Florida, United States

Postby Scoach » Sun Apr 14, 2013 1:44 am

cashback wrote:Lol so that's basically what I said without going into detail... 2 points for travel and dining, 1 point on everything else. Still not worth the $95 when you can get 5% on all those purchases... Buy hey, if you like giving Chase your $ for a mediocre card, then be my guest...


Well, maybe you can get 5% on that, but I cannot. As to whether it's "worth" $95 that's really a personal choice. For me, it's totally worth it. As is my AmEx Platinum fee. But others will certainly feel differently. I don't find the CSP mediocre for my needs, though you might. You seem to have a LOT more cards than me. More than I would ever even consider.
AmEx - Platinum, Gold, Bluebird
Chase - CSP, Freedom
HSBC - Orchard Bank (1999)

3MDR
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Posts: 11
Joined: Fri Apr 05, 2013 11:08 am
Location: Colorado

Postby 3MDR » Sun Apr 14, 2013 2:00 am

cashback wrote:Lol so that's basically what I said without going into detail... 2 points for travel and dining, 1 point on everything else. Still not worth the $95 when you can get 5% on all those purchases... Buy hey, if you like giving Chase your $ for a mediocre card, then be my guest...


    2.14% is not the same as 2%
    4.28 Ultimate Rewards points for booking airfare far outweighs 1 Starwood point plus any portal bonuses
    Points never expire and there are no limits on how many points you can earn.
    Amex BCE bonus is limited to $6k and Discover bonus is limited to $1.5k.

CSP is designed for people who travel. CSP is much better than any of the cards in your signature when it comes to travel rewards. I have 10 out of 13 cards in your signature (including PenFed Platinum Rewards. I don't have Citi Simplicity, Forward, and Amex SPG) plus 6 more premium cards. $34k CL from Chase Freedom and CSP.

I just got my CSP and I might change my mind and downgrade it later but I would like you to go find a $0 AF, 5% card that allows unlimited points to be accumulated.

Gamma
Centurion Member
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Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Sun Apr 14, 2013 8:54 am

cashback wrote:Lol so that's basically what I said without going into detail... 2 points for travel and dining, 1 point on everything else. Still not worth the $95 when you can get 5% on all those purchases... Buy hey, if you like giving Chase your $ for a mediocre card, then be my guest...


3MDR wrote:
    2.14% is not the same as 2%
    4.28 Ultimate Rewards points for booking airfare far outweighs 1 Starwood point plus any portal bonuses
    Points never expire and there are no limits on how many points you can earn.
    Amex BCE bonus is limited to $6k and Discover bonus is limited to $1.5k.

CSP is designed for people who travel. CSP is much better than any of the cards in your signature when it comes to travel rewards. I have 10 out of 13 cards in your signature (including PenFed Platinum Rewards. I don't have Citi Simplicity, Forward, and Amex SPG) plus 6 more premium cards. $34k CL from Chase Freedom and CSP.

I just got my CSP and I might change my mind and downgrade it later but I would like you to go find a $0 AF, 5% card that allows unlimited points to be accumulated.

Seems people would prefer cashback over travel discount or vice versa. It's true thai the CSP is meant for those who travel frequently; however, I found a way to make more bang for my buck with the CSP even with the annual fee and without me personally using the travel discount.

cashback
Centurion Member
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sun Apr 14, 2013 10:21 am

3MDR wrote:I would like you to go find a $0 AF, 5% card that allows unlimited points to be accumulated.


I do have a card that offers 5% with unlimited point accrual. And where do you get 4.28 UR points from? I thought it was one extra point for booking airfare?

Also, Discover offers unlimited cashback when using their shopping mall. They have 5% cashback on most travel sites like expedia, orbitz, hotwire, travelocity and some car rental places. Add the 1% you get from the card and you get 6% cashback for those purchases.

I know the many benefits of the UR mall, but a card that gets 2x points on dining and travel just isnt worth it. Its like people defend the CSP because the UR mall is great. You can get the same UR mall benefits with the Ink card. And with that, you can get 5x on a lot of your purchases if you're smart about it... Then, I could justify an AF.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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