Credit Card Churning

139,695 Views | 768 Replies | Last: 1 mo ago by gvine07
wildmen09
How long do you want to ignore this user?
AG
You can use 15K in points to top off. I'm sure you can purchase points but if you have a balance of points you can use that too.

Once I get my certificate I plan on calling to go over the details.

It seems Marriott is all over the place on points and is a bit tougher to navigate than Hilton. Or I could just be so used to Hilton, I dunno
Less Evil Hank Scorpio
How long do you want to ignore this user?
AG
wildmen09 said:

You can use 15K in points to top off. I'm sure you can purchase points but if you have a balance of points you can use that too.

Once I get my certificate I plan on calling to go over the details.

It seems Marriott is all over the place on points and is a bit tougher to navigate than Hilton. Or I could just be so used to Hilton, I dunno
Marriott got rid of their award chart and has dynamic pricing with approximate ranges for their properties, but I think for really in demand times/places, they can shoot up pretty high. Its frustrating but still nice given the 5x50k certs in the offer. I'm thinking about pulling the trigger on it.
Less Evil Hank Scorpio
How long do you want to ignore this user?
AG
htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.
Do you have another AMEX to hold so you don't lose your points? I'm about to go through the process of deciding what to do with my high AF cards as well. Currently hold a CSR, AMEX Plat, and Venture X. I think the Chase and CapOne cards pay for themselves a lot easier than the AMEX.
htxag09
How long do you want to ignore this user?
AG
GarlandAg2012 said:

htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.
Do you have another AMEX to hold so you don't lose your points? I'm about to go through the process of deciding what to do with my high AF cards as well. Currently hold a CSR, AMEX Plat, and Venture X. I think the Chase and CapOne cards pay for themselves a lot easier than the AMEX.

I don't. We have Amex platinum and CSR. So deciding which Amex card to go to so I don't lose my points.
Less Evil Hank Scorpio
How long do you want to ignore this user?
AG
htxag09 said:

GarlandAg2012 said:

htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.
Do you have another AMEX to hold so you don't lose your points? I'm about to go through the process of deciding what to do with my high AF cards as well. Currently hold a CSR, AMEX Plat, and Venture X. I think the Chase and CapOne cards pay for themselves a lot easier than the AMEX.

I don't. We have Amex platinum and CSR. So deciding which Amex card to go to so I don't lose my points.
Gotcha. I think the first thing to look at is how useful you find MR points. I like them, but find Chase points to be more useful usually, because they tend to have more domestic options, and at worst you are getting 1.5 cents per point by redeeming via Chase. If you have a use for the MR points then I would probably go with a Gold card because you still have the ability to earn points at fairly high rates (4 points per dollar at supermarkets is particularly attractive vs the CSR in my opinion). But it has an annual fee. If MR points just aren't that useful to you, I would look for something with no AF but that still earns MR points so you keep them and can still use what you have accumulated. Here is a list of the MR points cards:

https://www.nerdwallet.com/article/credit-cards/american-express-membership-rewards-review
BucketofBalls99
How long do you want to ignore this user?
GarlandAg2012 said:

wildmen09 said:

You can use 15K in points to top off. I'm sure you can purchase points but if you have a balance of points you can use that too.

Once I get my certificate I plan on calling to go over the details.

It seems Marriott is all over the place on points and is a bit tougher to navigate than Hilton. Or I could just be so used to Hilton, I dunno
Marriott got rid of their award chart and has dynamic pricing with approximate ranges for their properties, but I think for really in demand times/places, they can shoot up pretty high. Its frustrating but still nice given the 5x50k certs in the offer. I'm thinking about pulling the trigger on it.

I pulled the trigger and upon completing the app, it said it couple take up to 30 days to get the answer. Thought that was a bit odd. I guess I just thought that it would have been a bit more quicker, like within 24 hours or something. Oh well, no biggee…
Less Evil Hank Scorpio
How long do you want to ignore this user?
AG
In my experience this is a denial from Chase, but ymmv.
BucketofBalls99
How long do you want to ignore this user?
Wow, if so, I'm very curious as to why. Never been denied in 25+ years. But I guess there's a first time for everything (for whatever reason)
Captain Winky
How long do you want to ignore this user?
How many credit cards have you opened in the last 24 months? If you have opened more than 5, you won't be getting any new Chase cards until that number is 4 or fewer.

Check this chart to see if you are SOL.

https://imgur.com/a/oXlPW
BucketofBalls99
How long do you want to ignore this user?
Only opened 1 other card account in the last 12-15 months

Is that chart a real thing? Sorry, just making sure…lol
Captain Winky
How long do you want to ignore this user?
Yes, it is widely used by churners and was created using 1000's of data points over the years. There is a huge amount of information related to churning available if you know where to look.

doctorofcredit.com is a very good resource that can help you if you.
Ag CPA
How long do you want to ignore this user?
AG
GarlandAg2012 said:

htxag09 said:

GarlandAg2012 said:

htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.
Do you have another AMEX to hold so you don't lose your points? I'm about to go through the process of deciding what to do with my high AF cards as well. Currently hold a CSR, AMEX Plat, and Venture X. I think the Chase and CapOne cards pay for themselves a lot easier than the AMEX.

I don't. We have Amex platinum and CSR. So deciding which Amex card to go to so I don't lose my points.
Gotcha. I think the first thing to look at is how useful you find MR points. I like them, but find Chase points to be more useful usually, because they tend to have more domestic options, and at worst you are getting 1.5 cents per point by redeeming via Chase. If you have a use for the MR points then I would probably go with a Gold card because you still have the ability to earn points at fairly high rates (4 points per dollar at supermarkets is particularly attractive vs the CSR in my opinion). But it has an annual fee. If MR points just aren't that useful to you, I would look for something with no AF but that still earns MR points so you keep them and can still use what you have accumulated. Here is a list of the MR points cards:

https://www.nerdwallet.com/article/credit-cards/american-express-membership-rewards-review
We currently have a Platinum and a Gold; honestly Gold is probably the better card unless you travel. As mentioned above, 4x on groceries and restaurants and you still get get some of the offers that the Platinum card has (5x on Amazon purchases is a current example; we also got $50 back on a recent Marriott stay).
Gooder Poster
How long do you want to ignore this user?
AG
htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.


Amex has a good Hilton card that usually has good SUBs. That would net you Hilton points and status automatically and keep you in AMEX to retain your MR points.
surveillancevantexags at gmail
Petrino1
How long do you want to ignore this user?
htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.


Before canceling, call their retention line and tell them you're thinking about canceling due to the increased yearly fee. Ask if there's anything they can do to help keep you as a customer. I've done this two years in a row somewhat successfully lol. This year they gave me a credit of $550 if I met $3k spend in 3 months. Last year I believe they gave me 25k Amex points for $3k spend.

They won't waive the fee completely, but I was happy with what they offered.
wildmen09
How long do you want to ignore this user?
AG
Surveillance Van said:

htxag09 said:

Speaking of AMEX, coming up will be the first time we have to pay the increased yearly fee (Personal Platinum). I don't think the benefits are worth $700 so we'll probably be cancelling.

Thoughts on if we should drop to Gold, a free card, or Hilton? Also debating if we want to add a new card to replace the Platinum.

Mainly fly United, stay in Hilton Hotels. Used to travel a lot, but that's slowed down as we have a 1.5 year old, we'd like to start up again soon, though probably not to our previous level.


Amex has a good Hilton card that usually has good SUBs. That would net you Hilton points and status automatically and keep you in AMEX to retain your MR points.


The Hilton Aspire card is better than the AMEX platinum strictly in earning Hilton points. The Hilton Aspire gets you auto Diamond and a free night each year.

Generally, I find most other cards to be better at earning points than the AMEX platinum. I've used the platinum for the fine hotels program, Walmart plus, peacock, Sirius xm and now the athletic sub for free. All that plus the lounge access for as much as I travel is probably worth it but it's a stretch to be sure.
Vernada
How long do you want to ignore this user?
AG
I'd like some advice from folks with more experience than me.

I currently only have 1 rewards card - Chase Sapphire Reserve

I was thinking of adding a hotel card - either a Mariott or Hilton card.

Our travel is currently 'recreational' with minimal work travel.

Since I've already got one hefty annual fee, I was looking at the $95 fee range which leaves two options:

Hilton Surpass Amex - SUB 130k Hilton points
Bonvoy Boundless - SUB 5 free nights

I generally like Hilton properties - esp nice for families with Embassy Suites and Home2 in the portfolio but have never really looked into Mariott much.

However, I'm currently down to ~30k points on my HH balance so moving my focus to Bonvoy over Honors doesn't seem like a big deal.

Any thoughts and/or advice?
62strat
How long do you want to ignore this user?
AG
You can do amex bonvoy card. It's $450 yearly fee, but you get $25 per month back for restaurant spend, effectively making your yearly fee $150 assuming you eat out at least once or twice a month.
They are in the process of changing to this restaurant credit benefit instead of a yearly $300 marriott spend credit. Effective this september.

It usually has a 100k sign up bonus, you get automatic gold status, plus a free yearly night at 50,000 points (worth easily $250+)
The chase bonvoy is free night at 35k points.

You will also get priority pass membership with amex, which gives you lounge access at many airports.
littlebitofhifi
How long do you want to ignore this user?
AG
I'm not sure you could go wrong with either one but I'm also a Sapphire Reserve and I decided to jump on the Bonvoy 5 free nights deal. It feels like one of the best non-Sapphire promos in some time and will allow me to use my Sapphire points for airfare/cars for the next few trips and use Bonvoy for hotel.

I have been Marriott loyal for awhile (well SPG then Marriott) and have never had issues with hotel selection. I hear a lot of people say Hilton family is better if you go to smaller cities but for my travel, I've been happy with the Marriott selection.
htxag09
How long do you want to ignore this user?
AG
62strat said:

You can do amex bonvoy card. It's $450 yearly fee, but you get $25 per month back for restaurant spend, effectively making your yearly fee $150 assuming you eat out at least once or twice a month.
They are in the process of changing to this restaurant credit benefit instead of a yearly $300 marriott spend credit. Effective this september.

It usually has a 100k sign up bonus, you get automatic gold status, plus a free yearly night at 50,000 points (worth easily $250+)
The chase bonvoy is free night at 35k points.

You will also get priority pass membership with amex, which gives you lounge access at many airports.

It may just be me, but in my evaluations, lounge access has lost just about all of it's value. I can't remember the last time I've been to one and it wasn't so crowded it was a pain in the ass. And with the increased crowds, I feel like the food quality has gone down. In most cases, I'd rather just grab a snack from one of the to go shops then deal with them.
Vernada
How long do you want to ignore this user?
AG
Same - I already have priority pass through CSR - but don't give it a lot of weight. One time I had a great experience with it when I was stuck in Frankfort and got to spend ~3 hours in a nice lounge.
Vernada
How long do you want to ignore this user?
AG
littlebitofhifi said:

I'm not sure you could go wrong with either
That's kinda how I feel. The 5 night SUB makes the Bonvoy tempting, but I'm thinking I can easily move UR points to Mariott if needed, so for me, it probably makes more sense to get the AMEX with HH earning potential - esp since are 'used to' Hilton properties. The 130k HH sign-up plus the faster point earn will probably work out to be a wash compared to the 5 days.

Like you say, I feel like both are good options and it's hard to be wrong - which ironically has made it harder to decide.

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee. If Mariott was keeping the straight $300 statement credit for mariott stays, that'd be doable. If the Hilton card offered $250 statement credit for Hilton properties instead of Hilton Resort only, that's be doable. But as is, between what I already have with the CSR, neither of those offer enough obvious/easy benefits to justify the annual fee for me.
62strat
How long do you want to ignore this user?
AG
htxag09 said:

62strat said:

You can do amex bonvoy card. It's $450 yearly fee, but you get $25 per month back for restaurant spend, effectively making your yearly fee $150 assuming you eat out at least once or twice a month.
They are in the process of changing to this restaurant credit benefit instead of a yearly $300 marriott spend credit. Effective this september.

It usually has a 100k sign up bonus, you get automatic gold status, plus a free yearly night at 50,000 points (worth easily $250+)
The chase bonvoy is free night at 35k points.

You will also get priority pass membership with amex, which gives you lounge access at many airports.

It may just be me, but in my evaluations, lounge access has lost just about all of it's value. I can't remember the last time I've been to one and it wasn't so crowded it was a pain in the ass. And with the increased crowds, I feel like the food quality has gone down. In most cases, I'd rather just grab a snack from one of the to go shops then deal with them.
At the end of the day, how can a free perk not have value? I look at paying the $150 amex fee ($450 less the $300 restaurant credit) as getting the 50k free room for a good deal (we use ours every year at Gaylord Rockies, about a $400 room), so the priority pass access is simply a free perk. You don't have to use it, if it's overcrowded or whatever the reason.

In the last year or so I've been to united club in denver and MCO, as well as priority pass access to MCO, FLL and VIP lounge in Cabo. The cabo lounge was humongous with all the seating being spread out with big leather chairs and sofas and full size tables.. default pic from website. Way more comfortable than sitting at the gate.




We are loyal to united with a club chase visa, but in the most recent case, my mom was offering to buy a leg of our flights, and she's Southwest, so in that case, it's nice to have an option outside of United club.


62strat
How long do you want to ignore this user?
AG
Vernada said:

littlebitofhifi said:

I'm not sure you could go wrong with either

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee.
Wow, you can't easily spend $25 a month at a restaurant? We rarely go out, be we can always fit in a pizza or Qdoba delivery night once a month lol.
Vernada
How long do you want to ignore this user?
AG
62strat said:

Vernada said:

littlebitofhifi said:

I'm not sure you could go wrong with either

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee.
Wow, you can't easily spend $25 a month at a restaurant? We rarely go out, be we can always fit in a pizza or Qdoba delivery night once a month lol.
if it was a flat annual statement credit we'd use it no problem. But yes, there are probably a few months we don't eat out at all... and I don't want a benefit I have to make effort to use.
schmendeler
How long do you want to ignore this user?
AG
Vernada said:

62strat said:

Vernada said:

littlebitofhifi said:

I'm not sure you could go wrong with either

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee.
Wow, you can't easily spend $25 a month at a restaurant? We rarely go out, be we can always fit in a pizza or Qdoba delivery night once a month lol.
if it was a flat annual statement credit we'd use it no problem. But yes, there are probably a few months we don't eat out at all... and I don't want a benefit I have to make effort to use.


This is wild to me!
Vernada
How long do you want to ignore this user?
AG
Lol. Yes, esp with us focused on eating healthy that's REALLY reduced the dining out. That and it's tourist season here, so going out is a PITA Memorial to Labor Day.
62strat
How long do you want to ignore this user?
AG
schmendeler said:

Vernada said:

62strat said:

Vernada said:

littlebitofhifi said:

I'm not sure you could go wrong with either

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee.
Wow, you can't easily spend $25 a month at a restaurant? We rarely go out, be we can always fit in a pizza or Qdoba delivery night once a month lol.
if it was a flat annual statement credit we'd use it no problem. But yes, there are probably a few months we don't eat out at all... and I don't want a benefit I have to make effort to use.


This is wild to me!
Same here! I know some people rarely eat out, but to not hit $25 in a month is basically teetotalism of dining out.

Even just a lunch out or two at work should hit $25.


schmendeler
How long do you want to ignore this user?
AG
We might average $25/day.
Ag with kids
How long do you want to ignore this user?
AG
62strat said:

schmendeler said:

Vernada said:

62strat said:

Vernada said:

littlebitofhifi said:

I'm not sure you could go wrong with either

@62strat - I looked at both hilton/mariott premium cards and while they both have nice benefits, I'd struggle to easily use the offered credits to justify the high annual fee.
Wow, you can't easily spend $25 a month at a restaurant? We rarely go out, be we can always fit in a pizza or Qdoba delivery night once a month lol.
if it was a flat annual statement credit we'd use it no problem. But yes, there are probably a few months we don't eat out at all... and I don't want a benefit I have to make effort to use.


This is wild to me!
Same here! I know some people rarely eat out, but to not hit $25 in a month is basically teetotalism of dining out.

Even just a lunch out or two at work should hit $25.



I can Uber Eats that **** and STILL not go out...and hit that number.

Our island is full of tourons for the next few months so we don't go out that much.
irish pete ag06
How long do you want to ignore this user?
AG
Hello everyone.

Just going to post in here to keep a log of my plan with fellow churners.

Planning to refer my wife to get the Chase Ink Unlimited Card. I'm going to use her account to refer me to get the Chase Ink Cash card.

Each referal nets 10K and each bonus is 75K. So when finished (if both are approved) we'll have juiced out UR by 170K.

After that I'm eye balling getting another Hyatt Card for the bonus and to re-up the status. My wife and I have gone to Lake Tahoe in 2019 and 2021 and stayed at the Hyatt Regency there. We love it.
62strat
How long do you want to ignore this user?
AG
Amex Marriott cards just got revamped.
Now there are 2 of them, one is $250 (Bevy) the other is $650 (brilliant)

Bevy is labeled as a new card, but looks similar to old amex card. Auto gold status, one free night up to 50k

The brilliant is being labeled as the old card but enhanced. It has auto platinum status, free night up to 85k and $300 restaurant credit ($25 per month), bringing the fee down to just $350.

Both have TSA Precheck and global entry credit once per 5 years, and both are 2 points per dollar, except marriot spend which is 6 and each have a category for 3x or 4x.
Both also have $100 credit on 2 night stays at St regis or ritz carlton, lowering the fee even more.

I got an email saying congrats on platinum, and was a bit confused because I didn't think I hit it. Today I log into amex and see the changes. Apparently, they are automatically changing the old amex card to the brilliant, not the bevy, as the bevy is labeled as a 'new card' I'm sure a call could knock it down if you wanted.


Current sign up bonus - bevy is 125k, brilliant is 150k. That's a lot of point.
Vernada
How long do you want to ignore this user?
AG
it also includes cell phone protection if you pay your mobile bill with it.
62strat
How long do you want to ignore this user?
AG
Vernada said:

it also includes cell phone protection if you pay your mobile bill with it.
link to source?
Vernada
How long do you want to ignore this user?
AG
https://www.americanexpress.com/us/credit-cards/features-benefits/policies/cell-phone-protection.html

Scroll to bottom of the page - the Mariott card is last
jaggiemaggie
How long do you want to ignore this user?
AG
Shameless plug for Chase SW card referral. Currently 75k for personal and 80k for business.

https://www.referyourchasecard.com/226n/5VBVTU6F9L
 
×
subscribe Verify your student status
See Subscription Benefits
Trial only available to users who have never subscribed or participated in a previous trial.