Tag Archives: Chase Ultimate Rewards Points

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Chase Ink Bold Business Card now Shows Credit Line and Cash Advance Limit

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Good evening everyone.  1 month ago, Chase sent out letters announcing that they would be converting all Chase Ink Bold Charge Cards into credit cards with a stated credit limit and cash advance limit.  Those changes are not effective as of August 31, 2015 and all changes are now live.  Here is a summary of the changes:

  • Currently, the Chase Ink Bold is a charge card, meaning you must pay your balance in full, otherwise you will be charged a fee.  The new Chase Ink Bold will allow you to pay your balance over time (instead of being charged a fee, you will instead pay interest on any balance that is not paid in full by your payment due date).
  • Currently, the Chase Ink Bold has a flexible spending limit whereby you are allowed to go over your preset spending limit.  The new Chase Ink Bold will have a stated credit access line (aka a credit line/limit) that will be shown on your monthly statement.

This evening when I logged into my Chase online account, I noticed the stated credit limit of $12,000 on my Chase Ink Bold Business Card.

Chase Ink Bold Credit Line

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Staples Easy Rebate: Purchase $300 in American Express Gift Cards, Receive $20 Staples GC (8/30-9/5)

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Good morning everyone, Staples has another American Express Gift Card Easy Rebate offer starting this Sunday.  After spending $300 or more in American Express Gift Cards, you will receive a $20 Staples Gift Card as a rebate.  Only one rebate per household, so get creative.  This promo does not begin until Sunday, August 30, so don’t go out shopping just yet.

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Convert Marriott & Ritz Carlton Points to United Airlines Miles (2.24:1 Ratio)

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Good morning everyone.  A few days ago, I was in an interesting predicament.  I found an awesome United Airlines award, but I did not have enough United Airlines miles to book the award. *gasp* Worse though, I did not have enough Chase Ultimate Reward Points either. *double gasp* I’m not sure if you have been in this situation before, but it is not fun.  Here are some of the options I considered:

  • Converting SPG points to United Airlines miles at the 2:1 transfer ratio
  • Paying to transfer United Airlines miles from my grandparents’ account
  • Buying United Airlines miles directly from United Airlines
  • Begging United Airlines to “help a friend out”

Before I did anything drastic or embarrassing, I remembered that Marriott and United Airlines have a crossover relationship, whereby you can transfer miles into points or points into miles.  Here is the Travel Rewards page on Marriott’s website.  Marriott partners with many other airlines, but they have an exclusive relationship with United Airlines where you can get a “20% discount when you convert Marriott Rewards points to United MileagePlus award miles.”

I crunched the numbers and the transfer ratios range from 4:1 down to 2.24:1 (Marriott Points to United Airlines miles).  Since I needed around 25,000 United Airlines miles, I selected the 4th option (56,000 Marriott Points = 25,000 United Airlines miles).

Convert Marriott Points to United Airlines Miles

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Merging Marriott and Ritz Carlton Accounts; Combining Points and Free Night Certificates

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Good morning everyone.  Last December, I applied for the JPMorgan Chase Ritz Carlton Credit Card which offered 140,000 Ritz Carlton Points (Ritz Carlton and Marriott points can be used interchangeably).  During the approval process, the system created a new Ritz Carlton account number for me.  After meeting the minimum spend requirement, I had an old Marriott account with 28,985 points and a new Ritz Carlton account with 150,000+ points.

Chase Ritz-Carlton Credit Card Offer Details

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July App-O-Rama Update: Several Reconsideration Calls Required to be Approved for 6 New Credit Cards

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Warning: if you are just starting out with rewards-earning credit cards, please do not apply for several credit cards at the same time.  You are responsible for your credit history and credit scores.  You have been warned…

Good evening everyone.  Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan and I shared my plans/reasoning for applying for the below 8 credit cards.

App O Rama July 2015

After listening to your feedback and suggestions, I decided to make some changes to my App-O-Rama plan.  The table below shows the 7 credits that I ended up applying for.  Here are my reasons for not applying for a few of the credit cards:

  • The Barclays Arrival Plus Credit Card was not available for new applications on my App-O-Rama date.
  • I couldn’t get the targeted 75,000 offer on the AMEX Business Gold Rewards Charge Card, so I decided to wait for a better public offer.
  • I forgot that Citi’s “8 Day Rule” applies to personal and business credit cards, so I decided to apply for the Citi American Airlines Business Credit Card instead of the Citi Hilton HHonors Visa Signature Credit Card.
  • I decided to go for the Bank of America Spirit Airlines Credit Card instead of another Bank of America Virgin Atlantic Credit Card.

July App-O-Rama Final List

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