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Posted (edited)
  On 2/20/2023 at 11:50 PM, wild_turkey said:

I’ve recently done CSR, CSP, and Amex Gold. I’m not eligible for Capital One currently. I fly mostly AA and rotate their Citi and Barclay cards to get signup bonuses and other small perks.

If there was another good offer in front of me then maybe I would take it, but I do occasionally fly Delta so it seems reasonable to pay a $250 AF to bank 90k miles that won’t expire. I would cancel the card after the bonus.

Someone point me in the right direction if there’s a better option out there.

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90k points for $250 is a lot of points for not a lot of money but I'm skeptical you'll get use from those miles. It's crazy how much Delta has devalued what their points are worth to the consumer trying to use them for flights.

And right on time, Gary Leff's newsletter today has a long skreed about Delta's program.

USELESS: Delta Now Charges Over 500,000 SkyMiles One Way For Some Economy Travel

by Gary Leff on February 20, 2023    

  Reveal hidden contents

 

Edited by Chopper
typo
Posted

I just booked Italy from September 15th until October 2nd.  We're flying Emirates business class from JFK to Milan and back.  Holy crap, I'm not going to want to get off the plane.  We'll have complimentary chauffeur service to and from both airports and the treatment from Emirates looks to be extraordinary.  I can only imagine what their first class service is like.

No itinerary yet except for flights.  I was hoping to do the F1 race at Monza but I couldn't make it work.

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Posted

Almost all of my flying is for business on my company's credit card.  I have been Diamond on Delta for the last several years.  Getting the mileage requirement is never a problem.  Now Delta has raised the matching spend amount to $20K per year.  Since I have built up status on Delta I would prefer to stay with them.  I have flown 1.1 million miles with Delta.  I have flown about 600K with AA through the years but do not fly with them regularly any longer.  I use SHV as my "home" airport.

So, I am looking at getting a Delta branded credit card to ensure that I meet the spend threshold with personal spending.  I am not too worried about lounge access.  What card to go with?

Any advice is appreciated.

Posted
  On 2/21/2023 at 10:49 PM, mininghorn88 said:
Almost all of my flying is for business on my company's credit card.  I have been Diamond on Delta for the last several years.  Getting the mileage requirement is never a problem.  Now Delta has raised the matching spend amount to $20K per year.  Since I have built up status on Delta I would prefer to stay with them.  I have flown 1.1 million miles with Delta.  I have flown about 600K with AA through the years but do not fly with them regularly any longer.  I use SHV as my "home" airport.
So, I am looking at getting a Delta branded credit card to ensure that I meet the spend threshold with personal spending.  I am not too worried about lounge access.  What card to go with?
Any advice is appreciated.
Congrats on being a million miller. If I was you id look at the Delta Platinum Amex. Good benefits and the annual fee is only $250.
Posted
  On 2/22/2023 at 3:34 AM, Mother mopar said:
  On 2/21/2023 at 10:49 PM, mininghorn88 said:
Almost all of my flying is for business on my company's credit card.  I have been Diamond on Delta for the last several years.  Getting the mileage requirement is never a problem.  Now Delta has raised the matching spend amount to $20K per year.  Since I have built up status on Delta I would prefer to stay with them.  I have flown 1.1 million miles with Delta.  I have flown about 600K with AA through the years but do not fly with them regularly any longer.  I use SHV as my "home" airport.
So, I am looking at getting a Delta branded credit card to ensure that I meet the spend threshold with personal spending.  I am not too worried about lounge access.  What card to go with?
Any advice is appreciated.
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Congrats on being a million miller. If I was you id look at the Delta Platinum Amex. Good benefits and the annual fee is only $250.

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It may be just the most expensive Delta card, but there's at least one that moves you up the upgrade list on every flight...above every other Delta status holder in your status category. I've heard it can be quite useful if you live near one of their hubs, though possibly not ATL.

Posted
  On 2/23/2023 at 2:53 PM, Chopper said:
It may be just the most expensive Delta card, but there's at least one that moves you up the upgrade list on every flight...above every other Delta status holder in your status category. I've heard it can be quite useful if you live near one of their hubs, though possibly not ATL.
The Delta Reserve Card....got it and love it. You are eligible for unlimited upgrades with the card and it's a tiebreaker amongst those with status. However, I never got upgraded by using the card in and of itself. Combined with your status and yes, I've seen my share of upgrades but that's also dependent on where you are flying to/from. For me, it's worth it, comes with a companion pass, lounge access, bag fees waived, MQM boost etc.
Posted
  On 2/23/2023 at 7:44 PM, Mother mopar said:

The Delta Reserve Card....got it and love it. You are eligible for unlimited upgrades with the card and it's a tiebreaker amongst those with status. However, I never got upgraded by using the card in and of itself. Combined with your status and yes, I've seen my share of upgrades but that's also dependent on where you are flying to/from. For me, it's worth it, comes with a companion pass, lounge access, bag fees waived, MQM boost etc.

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Yes combined with status is the angle I was coming from...the free miles that go with the card aren't enough to lure me to Delta but if I lived near a hub like JFK and flew often the equation would change. Some friends who live in NYC are mileage warriors and love having Delta status.

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Posted
  On 2/23/2023 at 9:02 PM, Chopper said:
Yes combined with status is the angle I was coming from...the free miles that go with the card aren't enough to lure me to Delta but if I lived near a hub like JFK and flew often the equation would change. Some friends who live in NYC are mileage warriors and love having Delta status.
I enjoy having status but I don't chase it and I very rarely fly international. If your ever going to really make status count, you have to fly long-haul flights.

Delta and AA are basically all that fly out of VPS (my airport) so I went with them. I've heard good things about United but know nothing about them.
Posted
  On 2/21/2023 at 9:29 PM, Chopper said:

90k points for $250 is a lot of points for not a lot of money but I'm skeptical you'll get use from those miles. It's crazy how much Delta has devalued what their points are worth to the consumer trying to use them for flights.

 

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You may be right. I did some random searches on routes I would routinely book each year and the amount of miles required is pretty high. Significantly higher than AA which I'm more familiar with their mileage redemption.

I'm concerned that even when I do want to fly Delta, which is once every 1-2 years, the flights I would want will require too many miles and I'll end up just paying cash then anyways. 

Can't decide if it's worth a $250 AF just for the sake of stockpiling 90k miles that I may use one day.

Posted
  On 2/24/2023 at 8:49 PM, wild_turkey said:

You may be right. I did some random searches on routes I would routinely book each year and the amount of miles required is pretty high. Significantly higher than AA which I'm more familiar with their mileage redemption.

I'm concerned that even when I do want to fly Delta, which is once every 1-2 years, the flights I would want will require too many miles and I'll end up just paying cash then anyways. 

Can't decide if it's worth a $250 AF just for the sake of stockpiling 90k miles that I may use one day.

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If you can't get one of the sapphire or amex or cap1 cards you like right now, maybe look at the Aeroplan card? or Alaska airlines? Both have partners that make their miles very useful, esp for international. I just don't know if either would be good from your home airport.

https://onemileatatime.com/reviews/whirlwind-aeroplan-adventure/

https://onemileatatime.com/deals/alaska-airlines-visa-card-bonus/

Posted

I had a small miles related win. United wanted $500 to upgrade to first from PTY to SAT. I am flying on award travel and was able to change my flight from economy to first for 12,500 miles which is equal to about $150.

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Posted

also @wild_turkeyconsider an avios card, either BA or Iberia. If you're in Florida already you can easily make use of the cheap awards on Iberia to Madrid. And Madrid is going to become a much bigger hub if the company that owns BA & Iberia is able to consummate their deal to purchase Air Europa.

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Posted

If you can generate enough spend Amex MR are great for transferring to BA or Iberia Avios.  Once or twice a year there is a 1:1.4 transfer.  It used to be 1:1.6.  Those were the days.  Please note that you need an Iberia FF account for 90 days before you can transfer Avios in so plan ahead.

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  • 2 weeks later...
Posted (edited)
  On 11/9/2022 at 12:15 AM, Ag with kids said:

BWAHAHAHAHAHA...WTF again.

I now am approved for my FOURTH AMEX Platinum Business card with 120K MR points after $15K/3mo spend.  I've got some big expenses coming up so this was perfect to knock out about $14K of that...

Come next year, I'll start cancelling cards #2 and #3...but until then, gimme free stuff...

This was just a card offer on the website.

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Oh my mother fucking God...

AMEX wants me to get my FIFTH Business Platinum for $15K/3 mo spend.  WTF are they doing here???

I'm passing this one since I'm currently working on the spend for another card, but still.  I think someone there is on crack.

 

I'm cancelling 2 of them next month which will ensure I keep the MR points from them.  Going to keep my first one open and then close the last one in about another year.  I don't need FOUR of these fuckers.

Edited by Ag with kids
  • 2 weeks later...
Posted

More dumb question amnesty, please, regarding using AMEXtravel for flights with a personal Platinum.

I get 5x MR points whether I book directly with the airline or AMEXtravel, correct?  Is there any reason I should use AMEXtravel over direct booking if the fare is the same?

Posted
  On 3/21/2023 at 3:11 PM, Damor said:
More dumb question amnesty, please, regarding using AMEXtravel for flights with a personal Platinum.
I get 5x MR points whether I book directly with the airline or AMEXtravel, correct?  Is there any reason I should use AMEXtravel over direct booking if the fare is the same?
Amex card has a lot of built-in perks that may or may not make it more advantageous such as baggage fees waivers, baggage insurance, travel delay insurance, warranty protection etc.
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Posted

Those are independent of how I book, though, aren't they?  I'm planning to use the AMEX, but I guess my question is whether or not to use their travel portal.  Although I don't travel a lot, I've had more issues when booking through a travel portal than direct, so I was looking for any perks I'd be missing out on.  If all else is equal and I'm getting 5x points either way, I'm more likely to go direct with the airline.

Posted
  On 3/21/2023 at 6:41 PM, Damor said:

Those are independent of how I book, though, aren't they?  I'm planning to use the AMEX, but I guess my question is whether or not to use their travel portal.  Although I don't travel a lot, I've had more issues when booking through a travel portal than direct, so I was looking for any perks I'd be missing out on.  If all else is equal and I'm getting 5x points either way, I'm more likely to go direct with the airline.

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No reason for the portal except for hotel as a requirement for FHR program

also the portal might still offer the 2-for-1 business class deal

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Posted
  On 3/21/2023 at 6:41 PM, Damor said:
Those are independent of how I book, though, aren't they?  I'm planning to use the AMEX, but I guess my question is whether or not to use their travel portal.  Although I don't travel a lot, I've had more issues when booking through a travel portal than direct, so I was looking for any perks I'd be missing out on.  If all else is equal and I'm getting 5x points either way, I'm more likely to go direct with the airline.
Can't speak to that as I only book directly.
Posted

I've never been much of an Amex guy except for an extremely underutilized Amex credit card that I've had since the 90s. I have a recurring $8 monthly vendor charge on it to keep it active. I don't even have reward points on that card.

Anyway, Amex just offered me the personal Platinum with a 125K points promo if I spend $6K over 6 months.  While I haven't traveled much over the last few years I want to start up more travel. Is the card worth it?

Posted
  On 2/20/2023 at 11:50 PM, wild_turkey said:

 


I’ve recently done CSR, CSP, and Amex Gold. I’m not eligible for Capital One currently. I fly mostly AA and rotate their Citi and Barclay cards to get signup bonuses and other small perks.

If there was another good offer in front of me then maybe I would take it, but I do occasionally fly Delta so it seems reasonable to pay a $250 AF to bank 90k miles that won’t expire. I would cancel the card after the bonus.

Someone point me in the right direction if there’s a better option out there.

 

Expand  

@wild_turkey  I'm an AA guy and mostly stick to their cards (Plus a card for Chase rewards), especially now with how AA loyalty points work.  Do you know anything about how often you can be eligible signup bonuses on their cards?  I had a Barclay's for a while and closed it last year after I got the bonus.  I still have a CITI World Elite.

Posted
  On 3/22/2023 at 6:23 PM, DFWTexEx said:
[mention=173]wild_turkey[/mention]  I'm an AA guy and mostly stick to their cards (Plus a card for Chase rewards), especially now with how AA loyalty points work.  Do you know anything about how often you can be eligible signup bonuses on their cards?  I had a Barclay's for a while and closed it last year after I got the bonus.  I still have a CITI World Elite.

Citi card you have to wait 48 months between bonuses. Barclays card is a little bit less clear but I think the same 48 months is a loose guideline.

I get the Citi card in my name for a year, then get the Barclay card in my name for a year, then the Citi card in my wife’s name for a year, then the Barclay card in her name, then back to the Citi card in my name. That 4 year cycle keeps it to where we pay only 1 AF per year, get a signup mileage bonus each year, and maintain the other card benefits at all times.

I’m also in DFW and fly AA frequently for personal travel, but I never travel for work so I don’t get status or any extra miles beyond just churning the cards.
Posted
  On 3/21/2023 at 6:41 PM, Damor said:

Those are independent of how I book, though, aren't they?  I'm planning to use the AMEX, but I guess my question is whether or not to use their travel portal.  Although I don't travel a lot, I've had more issues when booking through a travel portal than direct, so I was looking for any perks I'd be missing out on.  If all else is equal and I'm getting 5x points either way, I'm more likely to go direct with the airline.

Expand  

I use their travel portal to book hotel rooms. Chase UR points do go farther for hotel redemptions but I accumulate Amex MR points at a rapid pace. 

For flights I always transfer points to the airline. 

Posted
  On 3/22/2023 at 3:31 PM, Nice Guy Eddie said:

I've never been much of an Amex guy except for an extremely underutilized Amex credit card that I've had since the 90s. I have a recurring $8 monthly vendor charge on it to keep it active. I don't even have reward points on that card.

Anyway, Amex just offered me the personal Platinum with a 125K points promo if I spend $6K over 6 months.  While I haven't traveled much over the last few years I want to start up more travel. Is the card worth it?

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If you use all the perks it easily pays for itself. 

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Posted
  On 3/22/2023 at 3:31 PM, Nice Guy Eddie said:

I've never been much of an Amex guy except for an extremely underutilized Amex credit card that I've had since the 90s. I have a recurring $8 monthly vendor charge on it to keep it active. I don't even have reward points on that card.

Anyway, Amex just offered me the personal Platinum with a 125K points promo if I spend $6K over 6 months.  While I haven't traveled much over the last few years I want to start up more travel. Is the card worth it?

Expand  

I get a decent amount of value out of it. Use the $440 in annual media/Uber credits and the cell phone insurance coverage (that's saving me $8-10/month or ~$100/year) reliably on things I'd be spending on anyway, so that eats the majority of the annual fee right there. There's also a $200 hotel credit and $200 airline fee (not fare but paid seats, baggage, etc) that I didn't actually use all of last year (probably will this year), and there's also a free Wal Mart plus membership I've yet to activate. So it's pretty easy to see a path to getting equal or greater value out of the various credits/perks. I think that welcome bonus is worth it if you know you're going to be traveling. A lot of the perks that are hard to quantify in value (lounge access, hotel/rental car status, insurance, etc.) are tied to travel and don't do a lot for you otherwise.

That said, I was leaning toward canceling the card this year and transitioning to Amex Gold because frankly the spending bonus on dining and groceries would really rack up a ton of points at a lower AF; but Amex offered a bonus on adding an authorized user. Between the bonus being worth the fee for an additional user and getting my wife lounge access (they did away with free guests due to crowding/to extract more money) for our upcoming travel, it seemed worth it to keep it this year. I may get rid of it in 2024.

Posted
  On 3/22/2023 at 9:17 PM, VABuckeye said:

If you use all the perks it easily pays for itself. 

Expand  

 

  On 3/23/2023 at 12:46 AM, gmr548 said:

I get a decent amount of value out of it. Use the $440 in annual media/Uber credits and the cell phone insurance coverage (that's saving me $8-10/month or ~$100/year) reliably on things I'd be spending on anyway, so that eats the majority of the annual fee right there. There's also a $200 hotel credit and $200 airline fee (not fare but paid seats, baggage, etc) that I didn't actually use all of last year (probably will this year), and there's also a free Wal Mart plus membership I've yet to activate. So it's pretty easy to see a path to getting equal or greater value out of the various credits/perks. I think that welcome bonus is worth it if you know you're going to be traveling. A lot of the perks that are hard to quantify in value (lounge access, hotel/rental car status, insurance, etc.) are tied to travel and don't do a lot for you otherwise.

That said, I was leaning toward canceling the card this year and transitioning to Amex Gold because frankly the spending bonus on dining and groceries would really rack up a ton of points at a lower AF; but Amex offered a bonus on adding an authorized user. Between the bonus being worth the fee for an additional user and getting my wife lounge access (they did away with free guests due to crowding/to extract more money) for our upcoming travel, it seemed worth it to keep it this year. I may get rid of it in 2024.

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  On 3/23/2023 at 12:53 AM, Chewbacca said:

Yeah, but the big perk is lounge access, IMO.  If you don't use that, the annual fee looks steep.

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Thanks for the feedback. I decided to move forward with the platinum Amex. The 125K points promo makes it worthwhile to try for a year.  I know that I can easily max out the $240 digital entertainment, $200 Uber benefits. And I can find benefits from the hotel status and Clear program.  I want to start traveling more and maybe the included benefits will encourage me.

 

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Posted
  On 3/21/2023 at 3:11 PM, Damor said:

More dumb question amnesty, please, regarding using AMEXtravel for flights with a personal Platinum.

I get 5x MR points whether I book directly with the airline or AMEXtravel, correct?  Is there any reason I should use AMEXtravel over direct booking if the fare is the same?

Expand  

If you're booking a premium class, it's worth it to check the airline purchase direct price against the Amex portal because they offer a discounted fare on some but not all flights. For some airlines Amex is able to cut the fare by not taking their full cut of the 'travel agent' commission. Also you get to use the Amex concierge service to make any flight changes and that sometimes can work to your advantage as well. The wife used their concierge to handle some flight changes on a trip to Italy last year and she felt much better taken care of compared to her colleague who purchased her flight direct from the airline.

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  • 1 month later...
Posted
  On 5/4/2023 at 7:24 PM, Mother mopar said:

Thanks bud, have to check that out amongst the "coffee" shops as well.

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It's a wonderful city in so many ways. They're trying to cut down on the huge numbers of brits who fly over for stag and hen parties and if they're successful, Old Town would be so much better for it. Ryanair and Easyjet made it too easy for some true trash to invade the city. Maybe Brexit has helped too, I don't know. Cafe Bern is what's known as a brown cafe', which have a distinct history within NE. Pretty interesting but thankfully you can't smoke cigs indoors any longer.

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Posted (edited)

Just opened a chase sapphire account for the 80k bonus points for $4k in spending. Will be my corporate travel card. I typically spend around 3k a week with flight, hotel, meals, rental car, etc. Also been flying delta and staying at marriotts pretty religiously the past few months. Cut up my corporate issued card as that program is getting reigned back in.

Any tips or tricks for a newbie on point programs? 

Edited by pearlandhorn
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Posted
  On 5/4/2023 at 11:17 PM, pearlandhorn said:

Just opened a chase sapphire account for the 80k bonus points for $4k in spending. Will be my corporate travel card. I typically spend around 3k a week with flight, hotel, meals, rental car, etc. Also been flying delta and staying at marriotts pretty religiously the past few months. Cut up my corporate issued card as that program is getting reigned back in.

Any tips or tricks for a newbie on point programs? 

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One Mile at a Time has a full review https://onemileatatime.com/reviews/credit-cards/chase/chase-sapphire-preferred/

If you're able to use the chase portal to book your corporate paid travel you get 5x points per dollar spent.

Page down to the travel redemptions section. As always the value is in transferring to travel partners rather than spending the points on Chase's own portal, but with int'l travel so booked for summer there probably won't be many opportunities until later in the year, if then. If you can do spontaneous trips, esp int'l, you can often find better value with points within a week or even within a couple days of travel when airlines make available open seats for rewards. However some of the transfer partners are no longer as valuable as they once were so ymmv.

Some unique benefits are the primary collision coverage on auto rentals, and reimbursement for instacart and doordash membership,

 

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Posted

Chase UR and Amex MR points are the most versatile out there IMO.  A lot of people use Capital One points but I think their points ecosystem doesn't transfer to partners as well as Chase and Amex points.

Posted
  On 5/4/2023 at 11:17 PM, pearlandhorn said:

Just opened a chase sapphire account for the 80k bonus points for $4k in spending. Will be my corporate travel card. I typically spend around 3k a week with flight, hotel, meals, rental car, etc. Also been flying delta and staying at marriotts pretty religiously the past few months. Cut up my corporate issued card as that program is getting reigned back in.

Any tips or tricks for a newbie on point programs? 

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If it is Chase Saphire Reserve you also get access to the Priority Pass lounges 

https://www.prioritypass.com/airport-lounges

you will need to sign up, some places that don’t have lounges you get a $35 credit at select restaurants, $70 if you are traveling with someone.  

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  • 3 weeks later...
Posted (edited)

Well unfortunately for me the CSR offer has a 48 month rule.   I'm at approx 30 months since my last Sapphire bonus.  I've got two slots open in my 5/24

Anyone see any good SUB's?   I have room to spend for a bonus.  

 

Edited by midtown
Posted (edited)

Decided to fly out to SF this weekend last minute. Direct roundtrip on Alaska was just under $800. Booked the same flight plus 3 nights in some shithole hostel for $509 on Priceline bundle and save. The hostel is less than two blocks away from house I'm staying at. I wonder if I need to even bother checking in? If I just never show, what are the chances they will hit me with some bullshit charges? 

Edited by Blotto
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Posted
  On 5/30/2023 at 4:11 PM, midtown said:
For Hilton peeps.  Currently offering 100% bonus on pts purchases.   Put it on your Hilton Amex and get points on top of points. 

What’s the point to dollar value right now with that deal?
Posted
  On 5/5/2023 at 4:16 AM, Chopper said:

One Mile at a Time has a full review https://onemileatatime.com/reviews/credit-cards/chase/chase-sapphire-preferred/

If you're able to use the chase portal to book your corporate paid travel you get 5x points per dollar spent.

Page down to the travel redemptions section. As always the value is in transferring to travel partners rather than spending the points on Chase's own portal, but with int'l travel so booked for summer there probably won't be many opportunities until later in the year, if then. If you can do spontaneous trips, esp int'l, you can often find better value with points within a week or even within a couple days of travel when airlines make available open seats for rewards. However some of the transfer partners are no longer as valuable as they once were so ymmv.

Some unique benefits are the primary collision coverage on auto rentals, and reimbursement for instacart and doordash membership,

 

Expand  

Can you explain what the bolded means. I use chase saphire and I log into my chase bank account, then go the travel programs to book whatever flight works. DO you mean somehow convert the chase reward points into AA points before I use them?

 

Also, does it not hurt your credit to can a card? I have none rewards cards that I have like a chase personal and a southwest card and I thought if I cancelled them to get new cards then it would destroy my credit? Thank you!

Posted (edited)

You can’t convert Chase points to American Airlines points.  AA points are only tied to Citibank credit cards. 
 

What the bolded means is that you can get better value for your points by transferring to airline partners.  Particularly so if they go into certain foreign carrier buckets and you’re flying international business class. 
 

An example. Last year we went to Spain. We transferred Amex MR points to Iberia Avios at 1:1.4.   Business Class on Iberia from Miami to Madrid was 42000 Avios each way off peak.  It only took about 30000 Amex MR points to convert to 42000 Avios.  For 120000 Amex MR points we flew to Madrid and back in business class pods.  A fantastic redemption that you can’t come close to through the Chase or Amex travel portal.  
 

I will admit to using the Chase portal to book hotels in Europe as I have gotten some really good redemptions at very nice (as in a five star hotel in Malaga for 30k points a night) hotels. 

Edited by VABuckeye
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Posted

You can fly AA on chase points, if that is your goal. 
 

How?

 

Transfer from Chase to BA, and get your ticket through BA with Avios.

Also works better than with AA too, as BA uses a mileage based chart to price awards.

Now you can’t buy domestic-only AA flights through BA, but you can get AA domestic-only award flights through BA. (AA also treats BA status better than their own.)

 

Posted
  On 5/31/2023 at 1:20 AM, KennyPowders said:
Can you explain what the bolded means. I use chase saphire and I log into my chase bank account, then go the travel programs to book whatever flight works. DO you mean somehow convert the chase reward points into AA points before I use them?
 
Also, does it not hurt your credit to can a card? I have none rewards cards that I have like a chase personal and a southwest card and I thought if I cancelled them to get new cards then it would destroy my credit? Thank you!

I cancelled a Barclays card and a citi Best Buy card recently, no or minimal impact. Replaced with the AA citi black card for club access. Thinking of cancelling a discover that I use for exactly one $24.95 recurring charge. And I have a basic BOA card I haven’t used in years, thinking about eliminating that one as well. So right now I’ve got 7 open cards:

BOA cash back card (hardly ever used)
BOA random card (never used)
Discover (aforementioned)
Bonvoy chase (for Marriott spend, lifetime platinum)
Amazon chase (hardly used, as I have the Amazon synchrony for 5% point rebate)
Southwest chase (hardly used as I’m 90% AA flyer)
AA executive world elite MC from citi (all daily purchases, for airline status.)

Just checked and I’m still 850.

I think I may deep six one BOA card and the discover.

Is it worth it to get an Amex for AA points?
Posted
  On 6/2/2023 at 4:14 AM, BearSchlong said:


I cancelled a Barclays card and a citi Best Buy card recently, no or minimal impact. Replaced with the AA citi black card for club access. Thinking of cancelling a discover that I use for exactly one $24.95 recurring charge. And I have a basic BOA card I haven’t used in years, thinking about eliminating that one as well. So right now I’ve got 7 open cards:

BOA cash back card (hardly ever used)
BOA random card (never used)
Discover (aforementioned)
Bonvoy chase (for Marriott spend, lifetime platinum)
Amazon chase (hardly used, as I have the Amazon synchrony for 5% point rebate)
Southwest chase (hardly used as I’m 90% AA flyer)
AA executive world elite MC from citi (all daily purchases, for airline status.)

Just checked and I’m still 850.

I think I may deep six one BOA card and the discover.

Is it worth it to get an Amex for AA points?

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From what I have read the reduction of credit cards only hurts you if you have debt because you are lowering youre available amount of debt and increasing your usage. I guess my question is, does have credit checks relatively constantly not hurt you? It is a metric but I am not an expert at this. I just assumed applying for 2-3 cards would hurt you in that aspect. Thank you for the insight.

Posted

The credit checks do hurt you, common advice is to get your new credit cards all at the same time, as the system counts multiple checks in a short period as one. Same advice for credit checks regarding mortgage/refi or on car financing - if you know you'll be getting a hard pull, then apply your new credit cards at the same time, so your credit score only gets hit by "one" check.

  • Hook 'Em 1

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