Anyone know if the modified double dip for SW companion pass is still alive? 2 personal cards 2 calendar days apart but within 24 hours? Haven't read much since December.

thefourlams said:

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Anyone know if the modified double dip for SW companion pass is still alive? 2 personal cards 2 calendar days apart but within 24 hours? Haven't read much since December.

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https://www.doctorofcredit.com/chase-double-dips-no-longer-working/

So I need some opinions from this board.

The situation;
I plan to signup for chase sw biz card, and once I hit the $5k spend, I'll have CP because I already have 50k points since Jan. and the biz card bonus is 60k

The problem;
I can't sign up until April due to 5/24. But I have a flight in June that I want to use CP pass for. That basically means I need to hit $5k spend in the first billing cycle so it posts in mid May, a month after I sign up. Getting bonus in June would be too late.

I can't hit $5k so quickly; but had an idea. Something like;

Sign up for card April 25.
Hit $5k purchase a day before cycle closes by purchasing a single high dollar item (around May 25). Bonus Points and CP added to SW acct. Buy flight for June.
Fly with CP June 15-22.
Return high dollar item June 22.

Could they do anything? Maybe revoke CP? Would their system even catch it?

I can easily spend $5k at guitar center on a guitar/amp that I'd love to demo for a month, and I have 30 day return policy

Let me add; I WILL hit the spend in 90 days. I just want to use CP for our one summer trip in June! So was wondering if a little system cheat like this could work.

Seems risky, but I don't like too much risk with Chase. I want to keep a good long term relationship with a bank like Chase - they have tons of good cards. I would just load up on low fee $500 visa gift cards and not mess with returns like that.

Either live your spend for a couple months off those gift cards, or look up ways to do some simple manufactured spending (MS). I will do a little bit of MS to knock down a high spend requirement for a sign up bonus, but usually don't have to bother with it too much.

Yeh on second thought I may not want to mess them. That would suck if they canceled my accounts or something.

So has anyone had luck with using that plastiq service to pay a mortgage? I saw it linked on the pointsguy website.
If I can pay mortgage with the card, plus the next months mortgage, I can easily hit $5k in a month.

Or load up money into a brokerage account with card? By some mutual fund and sell it in a month to pay off card?

Amazon GCs.....

So I'm looking at Plastiq again, visa can't be used for morgtage payments anymore. But you can apparently send money to a bank through ACH.
So I wonder if I can just charge say $4k to the card, and have plastiq send it to my wife's bank account. Then I can spend the other $1k in first billing cycle.

It's a 2.5% fee, so $100, but that would be offset with the June flight CP, since that's priced at like $250 right now.
Plus the 5000 points which is about $100 worth on SW.

That way I'm not actually buying anything, just charging the card, cash deposits into bank, then pay off card.

Has anyone on here used Plastiq for churning?

It sounds too good to be true - make sure Chase doesn't count it as a cash advance. That would disqualify the points and come with additional fees

gvine07 said:

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It sounds too good to be true - make sure Chase doesn't count it as a cash advance. That would disqualify the points and come with additional fees

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It seems to be pretty widely used.. the pointsguy goes into great detail about it, and on plastiq's website they outline every single visa card out there and what it's charged as.
https://help.plastiq.com/hc/en-us/articles/360005215254-Visa-Personal-Card-Changes

Says for chase visa's:
'Payments made through Plastiq may be subject to a lower cash advance limit (typically ~20% of your total card limit). Your transaction will otherwise be treated with full rewards, and not incur any additional fees.'

Compared to a bank of america card
'This card cannot be used to make payments through Plastiq as such transactions will be treated as a cash advance, and incur all cash advance-related fees & receive no card rewards.'

But I'm just more curious about the ach bank transfer. Seems a little safer since I'll just have the money to pay it off immediately, less the fee.

62strat said:

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thefourlams said:

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Anyone know if the modified double dip for SW companion pass is still alive? 2 personal cards 2 calendar days apart but within 24 hours? Haven't read much since December.

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https://www.doctorofcredit.com/chase-double-dips-no-longer-working/

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We've always done the personal and business at the same time. Getting a business card iant hard just sign up as a self proprietor

78669AG said:

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62strat said:

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thefourlams said:

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Anyone know if the modified double dip for SW companion pass is still alive? 2 personal cards 2 calendar days apart but within 24 hours? Haven't read much since December.

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https://www.doctorofcredit.com/chase-double-dips-no-longer-working/

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We've always done the personal and business at the same time. Getting a business card iant hard just sign up as a self proprietor

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That's not what he asked about or what I linked.

There was apparently a time where you could sign up for two personal cards and get two bonuses, which is no longer doable. Biz card and personal card is the way that everyone does it now.

62strat said:

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78669AG said:

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62strat said:

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thefourlams said:

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Anyone know if the modified double dip for SW companion pass is still alive? 2 personal cards 2 calendar days apart but within 24 hours? Haven't read much since December.

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https://www.doctorofcredit.com/chase-double-dips-no-longer-working/

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We've always done the personal and business at the same time. Getting a business card iant hard just sign up as a self proprietor

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That's not what he asked about or what I linked.

There was apparently a time where you could sign up for two personal cards and get two bonuses, which is no longer doable. Biz card and personal card is the way that everyone does it now.

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Why so mad when in telling him how my household does it

Signed up and received CIP using my social in December. Hit my minimum and got the bonus so I'm looking for my next one. I have an LLC I don't use, can I self refer and apply for another CIP with that EIN? Anything I should do differently in the application?

foleyt said:

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Signed up and received CIP using my social in December. Hit my minimum and got the bonus so I'm looking for my next one. I have an LLC I don't use, can I self refer and apply for another CIP with that EIN? Anything I should do differently in the application?

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If you do use your LLC be prepared to have them ask for documents supporting the LLC. But other than that, no nothing really is different but the LLC one will for sure take longer to get approved.

If anyone is looking to open an AMEX Hilton card or the AMEX Marriot Bonvoy card let me know. I can "refer" you and get extra points. Thanks!

The Anchor said:

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If anyone is looking to open an AMEX Hilton card or the AMEX Marriot Bonvoy card let me know. I can "refer" you and get extra points. Thanks!

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I'm referring my wife next month to AMEX Bonvoy, right before the offer ends

After reading and digesting this great thread along with the Reddit link and wiki, I am ready to apply for the CIP. Anyone have a referral they want to send me and get some points? I'm not currently TexAgs premium so you will have to email me at j_beaman @ sbcglobal dot net.

jbeaman88 said:

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After reading and digesting this great thread along with the Reddit link and wiki, I am ready to apply for the CIP. Anyone have a referral they want to send me and get some points? I'm not currently TexAgs premium so you will have to email me at j_beaman @ sbcglobal dot net.

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email sent

Anyone want to refer me to the Chase Sapphire Preferred... I just eclipsed 4 years with not having it so It's time to get that bonus again.

Plus they just increased the bonus up to 60K

I got you. PM on the way.

I have a Chase Sapphire Preferred card today - did someone on this massive thread in the past say that you can sign up your wife for the card and get the 10,000 referral bonus points and the 50,000 bonus miles after we use the card for 3 months and however many dollars? and can those points all go into my account? (or transferred to my United Airlines account)

Well, the bonus for the new card would go into your wife's account, but you can transfer them to family memebers at your address free... so not directly, but with very little work, yes.

So I've been trying to read through this. Currently I have a United, Marriott and Disney Chase. I use Disney for my business but want to drop it because I just do not see much value in it - it would probably be rare we will go back to Disney now unless we were already in the area.

So if my Marriott and United cards are over 2 years old, I can renew those? Do I just sign up for new and then cancel old? It won't give me errors that I already have those cards?

So is Chase Sapphire my best bet for my business? (Or Ink?$ I don't put a ton on it - I would actually have to put personal expenses to meet the $5k in 3 months. I did just get hit with the annual $95 fee for it.


If yes on Marriott, someone can email me (link in profile) or PM me a referral link if they like. I will probably wait a little longer on the United replacement.

You'll have to close the old account first. You could try to downgrade too if your on an elevated version of the card. I've seen some recommend waiting a couple weeks up to a month on them if you cancel then reapply.

JMac03 said:

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So I've been trying to read through this. Currently I have a United, Marriott and Disney Chase. I use Disney for my business but want to drop it because I just do not see much value in it - it would probably be rare we will go back to Disney now unless we were already in the area.

So if my Marriott and United cards are over 2 years old, I can renew those? Do I just sign up for new and then cancel old? It won't give me errors that I already have those cards?

So is Chase Sapphire my best bet for my business? (Or Ink?$ I don't put a ton on it - I would actually have to put personal expenses to meet the $5k in 3 months. I did just get hit with the annual $95 fee for it.


If yes on Marriott, someone can email me (link in profile) or PM me a referral link if they like. I will probably wait a little longer on the United replacement.

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I'd recommend the CIP over the United personal (or business). The 80,000 Chase points can be transferred to your United MileagePlus account at a 1:1 ratio, making the bonus twice as high. It also has a higher earn rate for your daily spend. Using for personal use is fine too if you are worried about meeting the 5K spend for the bonus. If you don't think the annual fee is worth it after one year you can downgrade to the CIC or CIU with no annual fee and get the second annual fee refunded.

email is clintalmighty at yahoo if you're interested in a referral link

clintalmighty said:

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JMac03 said:

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So I've been trying to read through this. Currently I have a United, Marriott and Disney Chase. I use Disney for my business but want to drop it because I just do not see much value in it - it would probably be rare we will go back to Disney now unless we were already in the area.

So if my Marriott and United cards are over 2 years old, I can renew those? Do I just sign up for new and then cancel old? It won't give me errors that I already have those cards?

So is Chase Sapphire my best bet for my business? (Or Ink?$ I don't put a ton on it - I would actually have to put personal expenses to meet the $5k in 3 months. I did just get hit with the annual $95 fee for it.


If yes on Marriott, someone can email me (link in profile) or PM me a referral link if they like. I will probably wait a little longer on the United replacement.

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I'd recommend the CIP over the United personal (or business). The 80,000 Chase points can be transferred to your United MileagePlus account at a 1:1 ratio, making the bonus twice as high. It also has a higher earn rate for your daily spend. Using for personal use is fine too if you are worried about meeting the 5K spend for the bonus. If you don't think the annual fee is worth it after one year you can downgrade to the CIC or CIU with no annual fee and get the second annual fee refunded.

email is clintalmighty at yahoo if you're interested in a referral link

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Thanks! The downfall I assume is no free checked bags and 2 United passes? It's $95/year, correct?

JMac03 said:

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clintalmighty said:

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JMac03 said:

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So I've been trying to read through this. Currently I have a United, Marriott and Disney Chase. I use Disney for my business but want to drop it because I just do not see much value in it - it would probably be rare we will go back to Disney now unless we were already in the area.

So if my Marriott and United cards are over 2 years old, I can renew those? Do I just sign up for new and then cancel old? It won't give me errors that I already have those cards?

So is Chase Sapphire my best bet for my business? (Or Ink?$ I don't put a ton on it - I would actually have to put personal expenses to meet the $5k in 3 months. I did just get hit with the annual $95 fee for it.


If yes on Marriott, someone can email me (link in profile) or PM me a referral link if they like. I will probably wait a little longer on the United replacement.

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I'd recommend the CIP over the United personal (or business). The 80,000 Chase points can be transferred to your United MileagePlus account at a 1:1 ratio, making the bonus twice as high. It also has a higher earn rate for your daily spend. Using for personal use is fine too if you are worried about meeting the 5K spend for the bonus. If you don't think the annual fee is worth it after one year you can downgrade to the CIC or CIU with no annual fee and get the second annual fee refunded.

email is clintalmighty at yahoo if you're interested in a referral link

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Thanks! The downfall I assume is no free checked bags and 2 United passes? It's $95/year, correct?

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That is correct. I would have recommended the United MPE business card, but it's signup bonus went down from 75k to 50k earlier this week, so that's an option as well if you value the United specific perks

I sent you an AMEX Marriot Bonvoy referral link if you care to apply for that card. The business card is running a special right now. 100,000 points with no fee the first year and $95 fee afterwards.

Thanks!!


And I have received two Amex Marriott referrals. I am not sure if I am going to go with Amex or Chase. Not sure I can justify the Amex. Gonna do some research. Edit - I see the second on is $125 annual fee versus $450. I'll look at it!

JMac03 said:

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Thanks!!


And I have received two Amex Marriott referrals. I am not sure if I am going to go with Amex or Chase. Not sure I can justify the Amex. Gonna do some research. Edit - I see the second on is $125 annual fee versus $450. I'll look at it!

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If you get the business AMEX Marriot Bonvoy the fee is waived the first year. Also, if you sign up before March 28 the fee is only $95 a year.

https://creditcard.americanexpress.com/d/bonvoy-business/?eep=44345&irgwc=1&veid=wRQ0j3UpmSj61%3A1zHkUm1WYaUklxrAw52wcwQE0&pid=IR&affid=1137073&affname=TPG&sid=SBS10051&pmc=474&rulename=

Does the Southwest Card give you the drink coupons on your birthday? I forgot. I know I get four every year.

I want to cancel my Southwest card and get that Chase CIP card for the 80k UR points but I also need my drink coupons. My birthday is in April and I pay my annual fee in May so I think I need to wait until late April to make that all happen.

Currently I have a Chase Sapphire Reserve and about 400k Ultimate Reward points.

Reserve card worth it just for the Priority Lounge. The European ones are legit.

Anybody have the Schwab Amex Platinum? This past December I picked up the vanilla Platinum on a 100k offer and the revamped Gold card since we spend so much on groceries and restaurants. I have a couple hundred thousand Amex points racked up, but I've been struggling to learn how to get the most value out of MR points via transfer partners. That process seems quite complicated, especially since I rarely fly internationally, and when I fly domestically I'm typically on American or Southwest.

SO... I'm contemplating just picking up a Schwab Plat when my year is coming to a close, taking the 60k signup bonus for that card, and transferring all my points into an investment account (and closing my vanilla Plat after the AF hits).

I also have a CSP for transfer to Southwest, so I'll just use that card for travel when I can take Southwest. Solid plan?

edit: I should probably also mention that I love the benefits provided by my Platinum and I consider this a long term card for me.

Anybody with CP know if you can get a reward flightt for someone with CP, and that person still uses CP like normal?

In other words, my wife has CP, and one of our boys is her companion.
Can I book a wife for my flight using my points from my account, and then her and child fly as if she booked it herself?

FiTxAg04 said:

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I have a couple hundred thousand Amex points racked up, but I've been struggling to learn how to get the most value out of MR points via transfer partners. That process seems quite complicated, especially since I rarely fly internationally, and when I fly domestically I'm typically on American or Southwest.

SO... I'm contemplating just picking up a Schwab Plat when my year is coming to a close, taking the 60k signup bonus for that card, and transferring all my points into an investment account (and closing my vanilla Plat after the AF hits).

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Just another option for AA to consider: you can transfer AMEX MRs to British Airways (BA), and you can book AA flights via BA as they are partners. I haven't used BA yet, but there is tons info out there about it if you google it to see how feasible it all is. BA in general has some sweet spots as it is a distance based award program, and others to avoid (some of their long BA international flights, so probably not a big deal for you, that come with really high surcharges/taxes).