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Posted: 8/7/2016 6:44:55 PM EDT
All,
Does anyone here 'churn', or sign up for credit card offers for the points and rewards? I'm currently looking into a free trip to an all inclusive place in mexico because of this. Anyone else do it? If so, what cards or strategies do you use? Currently I'm using Chase Sapphire Preferred (please PM me if you plan on signing up soon as I get a bonus  )
Chase Freedom - only utilize this card during the rotating 5% categories when I can get the max bonus. Discover It - my first card I signed up for, just stopped using this one, but when they had the double cashback offer with the rotating 5%, at times I was getting 10% back on gas and groceries Please share!. |
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Posted: 8/7/2016 11:14:38 PM EDT
[#1]
I do.
Is the Southwest companion pass of any value to you? You need 110k points in a calendar year to do it. Chase offers the Southwest Premier and Plus cards right now that offer 50k points each, and those count towards the 110k. |
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Posted: 8/8/2016 8:22:15 AM EDT
[#2]
Quote HistoryQuoted:
I do. Is the Southwest companion pass of any value to you? You need 110k points in a calendar year to do it. Chase offers the Southwest Premier and Plus cards right now that offer 50k points each, and those count towards the 110k. Wow, I had never heard of that, I'll have to put it on my list of possible cards. Currently all my card turning is on hold as I am in the house market and can't be opening anything while searching/closing on my mortgage. |
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Posted: 8/8/2016 11:44:40 AM EDT
[#3]
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade.
I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals. |
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Posted: 8/8/2016 9:58:48 PM EDT
[#4]
NRA credit card
Cash in the points for Brownells gift cards use gift cards to buy more gun parts n stuff then .... PROFIT !!! 
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Posted: 8/9/2016 9:47:57 AM EDT
[#5]
Quote HistoryQuoted:
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade. I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals.  I'd be curious to hear how much free stuff/vacations that guy took...
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Posted: 8/9/2016 10:41:00 AM EDT
[#6]
Quote HistoryQuoted:
I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. Ditto. The 6% back at grocery stores is also a sweet deal when you purchase gift cards. |
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Posted: 8/9/2016 5:23:59 PM EDT
[#7]
Quote HistoryQuoted:
I'd be curious to hear how much free stuff/vacations that guy took...
Quote HistoryQuoted:
Quoted:
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade. I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals. I'd be curious to hear how much free stuff/vacations that guy took...
Not nearly enough. |
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Posted: 8/9/2016 6:24:37 PM EDT
[#8]
Quote HistoryQuoted:
Not nearly enough. Quote HistoryQuoted:
Quoted:
Quoted:
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade. I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals. I'd be curious to hear how much free stuff/vacations that guy took...
Not nearly enough. What makes you say that? |
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Posted: 8/11/2016 2:12:10 PM EDT
[#9]
Quote HistoryQuoted:
Discover It - my first card I signed up for, just stopped using this one, but when they had the double cashback offer with the rotating 5%, at times I was getting 10% back on gas and groceries . Quote HistoryQuoted:
Discover It - my first card I signed up for, just stopped using this one, but when they had the double cashback offer with the rotating 5%, at times I was getting 10% back on gas and groceries . Was that available to all It cards? My wife has an It card and never got informed of that... Quoted:
I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. Does Blue Cash preferred have any sort of annual fees? I have an old-school, grandfathered Blue Cash card (std, no fees) that is 5% on gas, grocery, & pharmacy but only 1% on everything else and that is AFTER you've spent $6,000 each year (no problem for us, I pay everything with the Amex). My wife's newer Amex Blue Cash is only 3% on gas, grocery, & pharmacy and they no longer offer 5% on any of the standard BLue Cash cards AFAIK FWIW, we do take advantage of the occasional offer but we don't "chase" offers. |
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Posted: 8/11/2016 3:12:22 PM EDT
[#10]
Quote HistoryWas that available to all It cards? My wife has an It card and never got informed of that... |
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Posted: 8/11/2016 4:29:23 PM EDT
[#11]
Quote HistoryQuoted:
Was that available to all It cards? My wife has an It card and never got informed of that... Does Blue Cash preferred have any sort of annual fees? I have an old-school, grandfathered Blue Cash card (std, no fees) that is 5% on gas, grocery, & pharmacy but only 1% on everything else and that is AFTER you've spent $6,000 each year (no problem for us, I pay everything with the Amex). My wife's newer Amex Blue Cash is only 3% on gas, grocery, & pharmacy and they no longer offer 5% on any of the standard BLue Cash cards AFAIK FWIW, we do take advantage of the occasional offer but we don't "chase" offers. Quote HistoryQuoted:
Quoted:
Discover It - my first card I signed up for, just stopped using this one, but when they had the double cashback offer with the rotating 5%, at times I was getting 10% back on gas and groceries . Was that available to all It cards? My wife has an It card and never got informed of that... Quoted:
I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. Does Blue Cash preferred have any sort of annual fees? I have an old-school, grandfathered Blue Cash card (std, no fees) that is 5% on gas, grocery, & pharmacy but only 1% on everything else and that is AFTER you've spent $6,000 each year (no problem for us, I pay everything with the Amex). My wife's newer Amex Blue Cash is only 3% on gas, grocery, & pharmacy and they no longer offer 5% on any of the standard BLue Cash cards AFAIK FWIW, we do take advantage of the occasional offer but we don't "chase" offers. There is an annual fee. I don't remember how much. I always transfer my cash back to cover the fees at the end of the year, and have a good chunk of money left over. |
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Posted: 8/11/2016 4:30:49 PM EDT
[#12]
Quote HistoryQuoted:
What makes you say that? Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade. I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals. I'd be curious to hear how much free stuff/vacations that guy took...
Not nearly enough. What makes you say that? Opening and closing 11 credit cards isn't good. |
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Posted: 8/11/2016 4:58:54 PM EDT
[#13]
Quote HistoryQuoted:
There is an annual fee. I don't remember how much. I always transfer my cash back to cover the fees at the end of the year, and have a good chunk of money left over. It's $75 per year to get the higher-tier cash back percentages. I usually hit that in three months. |
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Posted: 8/11/2016 5:20:29 PM EDT
[#14]
Quote HistoryQuoted:
Opening and closing 11 credit cards isn't good. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
Quoted:
I have the Chase Sapphire Preferred, but I have a new job that doesn't travel, so I'm about to downgrade. I have the AmEx Blue Cash Preferred for personal. I love it. 6% back on the first $6k at grocery stores, and unlimited (I think 3%) on gas and department stores. The bad thing about the AmEx is that Wal-Mart Supercenters aren't "grocery stores", you have to go to a "stand-alone" grocery store, ie somewhere you can't buy TVs or auto parts or things like that. The good thing is that liquor stores usually are considered groceries. To answer your question, no, I don't chase offers. A guy I used to work with was up to 11 cards when I left because he was chasing sign up deals. I'd be curious to hear how much free stuff/vacations that guy took...
Not nearly enough. What makes you say that? Opening and closing 11 credit cards isn't good. Is it good? Depends on your outlook. If an individual owns their house, and pays cash for vehicles they have no need for any credit score. There a plenty of people who open and close cards who have 720+ scores. Personally I don't mind having a 720-780 score as I can get lots of free stuff out of it when leveraged right. |
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