Category Archives: Credit Cards

On My Mind: Using Chase Sapphire Reserve for Restaurants & Grocery Purchases Instead of AMEX Gold

Good evening everyone, I hope your week is going well.  A few weeks ago, I started using my Chase Sapphire Reserve Credit Card as my go to restaurant and grocery store card.  Both categories earn 3x Chase Ultimate Rewards Points on the CSR.  That sounds pretty good until I explain that I could use my American Express Gold Card to earn 4x American Express Membership Rewards Points on those same categories.  Why would I want to earn 3x instead of 4x?  The answer is simple: Chase Ultimate Rewards Points are much easier for me to redeem.

As you can see by these screenshots that I took today, I only have 1,235 Chase Ultimate Rewards Points, compared to 364K Citi ThankYou Points and 479K American Express Membership Rewards Points.  Let me dig a little deeper into the reasons why the points balances are so different.

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Barclays Wyndham Rewards Earner Business Credit Card: Category Bonus Points Now Posting Correctly [Fixed March 2021]

Updated at 1:50pm PT on 3/15/21: I logged into my Wyndham Rewards accounts and saw that I received 462 points as a “Barclays Adjustments.”  See the screenshot below.


Updated at 12:40pm PT on 3/11/21: I received a letter from Barclays stating that they are aware of the issue and that they are crediting my account for the correct number of points I earner.  See the full letter below.


Good afternoon everyone, I hope you had a great weekend.  Last month, I wrote Category Bonus Points Not Posting Correctly for Barclays Wyndham Rewards Earner Business Credit Card.  In that post, I wrote about a few examples where bonus categories were not earning bonus points on the new Barclays Wyndham Rewards Earner Business Credit Card.  I am happy to report that Barclays has fixed the issue.  Here is the update I received from Brian today:

My most recent Wyndham Rewards Earner Business Card statement closed and I received both (a) 5x on new utilities charges for electric and gas charges (each of which received only 1x on the previous statement) and (b) an “adjustment” of points equal to the additional 4x on the electric and gas charges from the last statement about which I inquired via secure message via the card’s website.  So, hopefully, the issue is fixed now!

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US Bank Cash Plus Changes: $25 Minimum Redemption Amount, Postmates Benefit & More

Good morning everyone, happy Friday!  Yesterday, I wrote American Express Changes: $25 Account Reopening Fee, Forfeiting Points on Late Payments & Old Blue Cash Redemptions.  In today’s post, I will cover some recent changes that I saw in my US Bank Cash Plus Credit Card statement.

“Effective June 1, 2021, the minimum redemption amount required to redeem cash back in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account will be $25 (previously, it was $0.01).”  This is bad news for credit card holders that earn less than $25.00 in cash back every month.  I love when my statement closes and I can redeem $5.25, or $8.63, or $12.99 as a statement credit toward my credit card bill.  Stating in June, I will have to accrue at least $25.00 in cash back before I can redeem for a statement credit.  Let’s go through the other changes and see what US Bank is up to.

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American Express Changes: $25 Account Reopening Fee, Forfeiting Points on Late Payments & Old Blue Cash Redemptions

Good afternoon everyone.  I was reviewing my recent American Express credit card statements and spotted a few changes that I wanted you to be aware of.  The first 2 changes were shown on my American Express Blue Business Plus Credit Card and the last change was specific to my AMEX Old Blue Cash Credit Card (no longer available).  The first 2 changes affect small business credit and charge cards that earn American Express Membership Rewards Points.  With that said, let’s go through the first change.

Effectively immediately, if your American Express card is closed (presumably by you), then you change your mind and want to reopen the card, you will now have to pay a $25 reopening fee.  Before you close your card, call American Express to see if you can get a retention offer, see if you can convert that card to another card, and redeem any points tied to that card.  If you do those steps, you should not need to reopen an account and incur the $25 reopening fee.

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My Real Time Rewards Redemptions on US Bank Business Leverage Credit Card (Observations & Theories)

Good morning everyone, I hope your weekend is off to a great start.  A few months ago, I applied for the US Bank Business Leverage Visa Credit Card.  The credit card offers $750 cash back after spending $7,500 in 4 months.  I had a large bill to pay via Plastiq and used this credit card to meet the minimum spending requirement.  (FYI, there is also a US Bank Business Cash Rewards Mastercard Credit Card that offers $500 cash back after spending $3,000 in 3 months – I will probably get this business credit card next.)

The sign up bonus posted on my first credit card statement and posted as US Bank Rewards Points (kind of like Altitude Reserve Points on the US Bank Altitude Reserve Credit Card, but these points are worth 1 cent each for all rewards).  Instead of redeeming my points for cash back, I enrolled my new credit card in US Bank Real Time Rewards (RTR) and made 2 purchases to redeem the bulk of my US Bank Rewards Points.  Here is what I learned about my new credit card and the RTR process.

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