Going to get solar and a new hvac system. Total project will be about $30k. Once I stopped crying, I confirmed that they will take split payments across as many CC's as I want. So I want to maximize my miles and points opportunities. I might as well get a free trip (or two) out of this. Both my wife and I have a credit score over 800 and I will pay them all off immediately.
Any recommendations on how to maximize the bonus points/miles? I currently have an offer from AA for 50k miles after $3k spend so I'll do that one. What else is good out there?
Really depends on what kind of travel you're looking for. AA is a good idea IMO, both you and your wife might be able to get two cards each (personal / business) and net a total of 200k AA pts in bonuses. There're also Southwest cards that can get you 50k pts per card (and a companion pass), United card, CSP, Delta AMEX and other cards that can net you $500+ in value for the sign-up.
Chase Ink Plus if you can come up with a business purpose for it. $5000 purchase, 60-70,000 UR point bonus. Apply in branch to waive the $95 fee for the first year. 75,000 UR points are worth about $900, or you can get a $750 statement credit.
taxmantoo said: Chase Ink Plus if you can come up with a business purpose for it. $5000 purchase, 60-70,000 UR point bonus. Apply in branch to waive the $95 fee for the first year. 75,000 UR points are worth about $900, or you can get a $750 statement credit. If you are buying HVAC from Lowes or HD, you can buy their gift cards at office store at 5x
taxmantoo said: Chase Ink Plus if you can come up with a business purpose for it. $5000 purchase, 60-70,000 UR point bonus. Apply in branch to waive the $95 fee for the first year. 75,000 UR points are worth about $900, or you can get a $750 statement credit. How do you get more than a penny a point on anything, except maybe travel?
ArmchairArchitect said: I'd ask the company if you can get a discount equivalent to their merchant fee (somewhere between 2 and 3%) if you paid via check.
Otherwise, Citi Double Cash card at 2% cashback.Do that to save $600-$900. OR get 5 new cards for yourself and 5 for the wife that each have a $3K minimum spend for a $500+ bonus and earn $5K to $8K in cash or travel value.
DTASFAB said: gatzdon said: I think Chase Sapphire is still at 50k UR points plus 5k for authorized user plus the 3k for meeting the spend. Do the same for the wife.
Keep in mind, chase has a 5 card limit in the prior 2 years, so apply for them first, even if you are doing an AOR. Does the trick of doing all the applications on the same day still work? Not like it used to, but don't quote me on it. I imagine that some people still beat the clock for credit inquiries posting to their report. There's a sticky in FWF on AOR's.
Bottom line, you prioritize your AOR applications, open multiple browser windows, and click submit as quickly as you can in the order your prioritized.
For those that had Chase cards in the past and collected bonuses, do the the Chase bonuses reset 24 months after card closure? I know the answer is Yes for consumer cards. What about INK PLUS® BUSINESS CARD?
I've opened 7 accounts in 1 day before with no problems. Have to spread across different banks, but if you're below Chase's 5/24 you can safely apply for:
2 Chase 2 Barclays 1 Citi 2 Amex 2-3 BoA
Not to say that you would get approved for all of them (some may be pending, but I'd venture to guess you'd be approved for at least 5). That would get you ~15k worth of required spending to get ~250,000 miles to various airlines/hotels.
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