Good afternoon everyone, I hope you are having a great weekend. I am currently in Miami on my way back home to San Francisco after my week-long vacation to Saint Kitts and Nevis and my stay at the Marriott Saint Kitts Beach Club timeshare property (2 trip reports coming later this week, or next week, or never – let’s see if I can get these posted before I forget). Enough about me, let’s talk about credit card rewards.
A long time ago, my go to credit card for all restaurant purchases was my beloved Citi Forward Credit Card. I used to earn 5x Citi Thank You Points for all restaurant purchases, from fast food to fine dining. Unfortunately, Citi changed the card earnings on restaurant purchases from 5x to 2x, so I looked for a suitable replacement. The obvious choice was Chase Sapphire Preferred with 2x on restaurants, then along came the Chase Sapphire Reserve with 3x on restaurants. I tried to apply for the Chase Sapphire Reserve (twice!), and got declined (twice!) due to 5/24. I don’t have any other Chase credit cards that I want to convert / product change to a Chase Sapphire Preferred or Chase Sapphire Reserve either. With those sad facts, my search for a suitable restaurant credit card continued.
I was pretty happy using my US Bank Cash Plus Credit Card for restaurant purchases – earning 2% cash back at restaurants and 5% cash back at fast food restaurants. That was good enough for a few months until I got an email from US Bank that changed everything…
Good morning everyone, I hope you are all having a great week. By the time you read this post, I will be ATVing around the island of St. Kitts (I know, tough life). Anyway, I wanted to talk about one of my favorite topics – credit card sign up bonuses. In March, I discussed Which 10 Credit Cards am I Considering for my March App-O-Rama and then in early April, I wrote about my March App-O-Rama Results. In this post, I will share with you my plans (if any) for redeeming my miles and points. If you have any better suggestions than the ones I share in this post, please let me know in the comments. Thank you!
To get started, I was approved for the Bank of America Alaska Airlines Visa Signature Credit Card and the Bank of America Alaska Airlines Business Credit Card. Both credit cards offered 30,000 Alaska Airlines miles after spending $1,000 in 3 months along with an Alaska Airlines Companion Ticket (which can now be used on Virgin America). I have a few other Alaska Airlines Companion Tickets in my Alaska Airlines account, so I will probably not use them all. 60,000 Alaska Airlines miles is worth ~$900 to me (valuing Alaska Airlines miles at 1.5 CPP). I don’t have an exact use in mind, but I like flying on Virgin America first class when I fly from SFO to JFK.
Good afternoon everyone, I hope everyone is having a great weekend so far. A few months ago, my $49 annual fee posted on my US Bank FlexPerks Travel Rewards Visa Signature Credit Card. Since I had spent down the majority of my FlexPoints, I decided to convert my US Bank FlexPerks Travel Rewards Visa Signature Credit Card into a US Bank FlexPerks Select+ American Express Credit Card. This credit card has no annual fee and earns 1 FlexPoint for every dollar spent with no bonus categories. This is by no means a good credit card, but it will keep your FlexPoints alive and you can continue to redeem 20,000 FlexPoints for an airline ticket worth up to $400.
Good morning everyone, hoppy happy Easter! As part of my March App-O-Rama, I was approved for 8 new credit cards. In this post, I will talk about my successful reconsideration calls for the Barclays Arrival Plus Credit Card and the US Bank FlexPerks Gold American Express Credit Card. If you are curious, I shared the other results of my credit card App-O-Rama here. Long story short, I applied for both credit cards toward the end of my App-O-Rama and received pending responses for both credit cards. At that point, I patiently waited for approval emails or denial letters.
Luckily, I received a call from Barclays a few days later regarding my recent application of the Barclays Arrival Plus Credit Card. The credit analyst told me that Barclays had already extended enough credit to me and she noted that I didn’t use my 2 other Barclays credit cards much (Barclays Lufthansa Credit Card and Barclays JetBlue Plus Credit Card). She asked if I would be willing to move credit from one of those credit cards to approve the Barclays Arrival Plus Credit Card. I said yes, that would be fine. I ended up moving $10,000 from my Barclays JetBlue Plus Credit Card (subsequently lowering that credit line down to $9,500) and having a $10,000 credit line on my Barclays Arrival Plus Credit Card. I thanked the rep for her help and asked if it were possible to get the credit card expedited to me so I could use the new credit card right away but I was told that there is a $15 cost to expedite the credit card. I politely declined and agreed to the free USPS First Class Mail (snail mail) option.
Good morning everyone, happy Friday Thursday! I’ve had a pretty busy week this week: Monday I was watching NCAA March Madness Final (bummer the Zags lost); Tuesday I went to see Bassem Youssef (the Egyptian Jon Stewart) speak at UC Berkeley; Wednesday I got $202 loge/mezzanine tickets to see Hamilton in SF; and tonight I am flying to Tucson for a wedding this weekend. Even though I haven’t had much time to write this week, I have a few blog posts brewing in my mind. Before I get to what’s on my mind, I wanted to share some travel plans for the rest of April.
Tucson, AZ (Friday-Sunday April 7-9) for a wedding. Anyone have any recommendations for restaurants, bars, hikes, or other activities that are close to Tucson?
Orange County, CA (Friday-Sunday April 14-16) for Easter weekend. I will do an OC miles and points meetup on Saturday afternoon, stay tuned for more details.
San Diego, CA (Saturday-Sunday April 29-30) for fun. I am seeing my friend/writer Shelli and organizing a SD miles and points meetup on Saturday or Sunday, stay tuned for more details.