I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[elgerber]

We called. No questions at all about the business. She set up new online access for us no problem, then said she would try to combine with his existing profile. That's when the issue started LOL. She asked him for his social, and said they need more verification of his social. So they are mailing us some form, that we need to submit with documentation, then when that is done, we call back, and they can combine the accounts. But we can continue to use the cards (I just did, to confirm it's all still good). I wanted it with the other cards, to make it easier to transfer the points between accounts.
She did say we have until 12/29 to meet the spend, so that is good.

Also, the 40k support points are pending in my account today too

 

[nlenguyen]

If this is your first business card, you'll need to create a business login after you get the card. You can then merge your personal into the business login if you want.

Yes it will be my first card

 

[IFlossU]

I have never gotten this before. Applied for a targeted offer on my Amex biz plat acct for the 50k BBP NLL offer. Application prefilled. Received "Pending Review." Got email saying to sit tight "we're reviewing your application now." I am not bumping up against Amex's credit card volume rules. Last card with Amex 5 months ago. I do have an open BBP. Thoughts?

This happened to P2 once and it was just a matter of calling the automated number and confirming dob, etc. I did that but then it wanted to transfer me, so I thought it better to just hold tight.

Between DH and myself we’ve had several cards go pending. You can check here

https://online.americanexpress.com/..._flowId=authentication&_flowExecutionKey=e1s1

Ultimately we’ve always been approved. Some applications just take a few days. I wouldn’t sweat it. You’ll more than likely get an approval email later this week.

 

[LadyBeBop]

I’m definitely nervous about applying for my first business card. After years of thinking about it, I’m going to sell my of my crochet items on Etsy. Either afghans or afghan patterns. I’m not sure. Hoping to have a shop open by the middle of first quarter 2024.

That said, I don’t think it’s too early to apply for my first business card. I’m not going for the Inks. I’m not sure I can do $6,000 in three months without big spend. I’ll probably apply for it about this time next year when I’ll have a $3,000 property tax bill In October and a $500 personal property tax bill in December. Definitely won’t go Southwest. We don’t fly enough to make the companion pass worthwhile. Looking at the IMG card with its low minimum spend and high point counts. We like staying at Holiday Inns, and I’m already an IMG award member.

That said, when would you apply? I just got the Capital One Venture X card about two weeks ago and almost met the minimum spend there (did I say I have a yearly $3,000 property tax bill in October?). I have a $500 condo fee bill due December 1, and my personal property tax bill due December 31. I’d like to pay that in early December.

However, I have a vacation in late January/early February. I’ll probably meet minimum spend by that time, but if needed, I can put vacation spending on the card. However, I’m not staying at any IHG properties on vacation this time.

So….to ensure I get the card after November 15, but before November 30th, when would you apply?

Sorry for the lengthy post.

 

[FreeDiningFanatic]

Between DH and myself we’ve had several cards go pending. You can check here

https://online.americanexpress.com/..._flowId=authentication&_flowExecutionKey=e1s1

Ultimately we’ve always been approved. Some applications just take a few days. I wouldn’t sweat it. You’ll more than likely get an approval email later this week.

Thanks. I bookmarked that page and it shows "In progress" so I'll give it some time.

P2 got an email tonight that his biz checking acct status went from normal to inactive. Haven't had any activity on it since April 2023. Looked for dps on reddit and mentioned someone made a small transfer out and that immediately reactivated it. Did the same and had an immediate email that the status was now Normal. Just an fyi for anyone who may still have those accts just sitting around.

 

[calypso726]

you really have a great eye for photos

Thank you!

 

[calypso726]

How did you get it so cheap? Transfer partner or booked directly? I always see Iberia in my searches because they have a lot of Calif to Spain flights. Problem is lot of flights say
operated by Level and i have read terrible reviews. Need a couple tickets to Barcelona next year.
Beautiful pictures by the way

I booked directly on Iberia at about 360 days out. We flew Iberia metal from MIA-MAD-BCN.

Thank you!

 

[mfly]

I just purchased this Oral-B toothbrush from Amazon as part of their Prime sale.

Interestingly, I used my Amex 40% off by using a single Amex point - it took 40% off the original cost, not the current cost. After taxes, etc. the toothbrush was only $8 (originally $130)!

Just wanted to share that interesting quirk of the Amex % off in case anyone else could exploit it similarly on a sale item during the current Prime day sales!

 

[Duckbug.Ducktales]

I booked directly on Iberia at about 360 days out. We flew Iberia metal from MIA-MAD-BCN.

We're doing BOS-MAD-BCN next May to get to a Med DCL. I know Iberia Biz class isn't the best but are the flight attendants nice at least? Just wondering what to expect on such a long flight. Also hoping to have time to use a lounge shower in MAD during our 2.5 hr layover.

 

[trenty]

I just purchased this Oral-B toothbrush from Amazon as part of their Prime sale.

Interestingly, I used my Amex 40% off by using a single Amex point - it took 40% off the original cost, not the current cost. After taxes, etc. the toothbrush was only $8 (originally $130)!

Just wanted to share that interesting quirk of the Amex % off in case anyone else could exploit it similarly on a sale item during the current Prime day sales!

Thank you! Just bought my first christmas gift! Great deal!

 

[elgerber]

Thank you! Just bought my first christmas gift! Great deal!

Urgh, my Amex offer is 15% using 714 points.

 

[leeniewdw]

Something similar happened with the hotel I wanted in CA. It was 80k for weeks and when my FNC posted it had jumped to 181k with no standard awards. However, I am happy to report that setting up alerts worked. OpenHotelAlert, MaxMyPoint, and StayWithPoints let me know this week that the price went back down, and I was able to book my free night. Hopefully you will have similar luck.

Wanted to post a thank for mentioning these sites. We have a last minute trip to attend a reunion that's built around a SEC Football game and with less than 2 weeks notice, you can imagine the challenge finding a room. None of the hotels are allowing points to book at this point (if they even have rooms available), but we were having trouble just finding ANYTHING. We booked a so-so place (expensive + so so + further away from where we wanted to stay) and then I used OpenHotelAlert and their site was VERY easy to click on the hotels I wanted to track. In less than a week a number of sold out hotels had rooms pop open. Eventually we got an Element hotel, closer to where we wanted to be, and I've got an offer on one of my chase cards that should yield ~$50 back on these ridiculous prices!

Seriously this was SO EASY to use. Thanks for mentioning them.

Also -- thanks to everyone who shares their successes and strategies to get the most out of their cards. I'm on year 2 of my Amex Plat and was thinking that I might open another Amex and cancel this one next time the AF hits. HOWEVER, even without tracking every dollar, I've come out way ahead of the AF.

$240 digital credit (I already had the NYTimes and SiriusXM, so this isn't even a stretch to use)
$200 Airline Credit
$200 Uber
$200 FHC (using for a planned Vegas Trip)
$100 Saks (probably $50 was not something I needed/planned)
$120 Dell Credit Offer (planned purchase)
$80 Lowes via Amazon (I finally got the 'good' Amex MR/Amazon deal and got a $160 Lowes GC for $80 + 1 MR)

That's over $1100 and doesn't count the lounge access/meals/drinks that I've used (at least 4 trips I can think of). I got a 20k MR retention offer, plus I've used a "spend 3k, get 3k bonus MRs" twice. I think I'll earn more than 60k in MRs this year for a card I didn't really use that much.

I know I'll hate it when the next AF rolls around, but I'll think back to this. I got a 150k MR SUB for this one, too.

Thanks again everyone!

 

[LynnTH]

Those looking to use AMEX Biz Plat Dell credits, it’s a great time to buy Bose headphones for reselling! The Quiet Comfort earbuds are on sale for $199 (normally $249) and the over the ear ones are $229 (normally $329). I bought the earbuds. I had a $50 off $100 Amex offer, and Rakuten is 10k MRs at Rakuten. Valuing MRs at 1.5 cents each, I’m out of pocket only $133.58 BEFORE the $200 Amex credit! So I’m starting out $66.42 ahead. I can normally sell these for around $150, so I’ll hopefully make a tidy profit here.

Thanks for this. I already used my AMEX Dell Credits but decided to get the Ear Buds anyway. With Rakuten 10% plus I had like $13 in Dell Rewards. Total with tax came to just over $200. Split payment between 2 Cards with the Promo. So, paying $80 for the Earbuds. Will see if any of the kids need any. (they have so many different kinds). If not, then will resell them.

 

[LilSweetPeaPhoto]

I always skip over the Chase offers as I legit have about 10 Chase checking/savings accounts tied to my name, LOL. But a $900 bonus is going to get my attention Do you have to be a new customer? Or just opening a new account? My BF and I opened an acct w/ Citizen's to show Delta we're together. And we'll get a small bonus from it. But I wouldn't mind opening an acct w/ Chase (we both have chase accounts) together and get the $900 bonus.

I'm working on the Bonvoy 5 FNCs offer. I never really look for or worry about the tracker. Do they normally have a tracker on the spend for this card? I am holding off on the CIU #2 waiting to get closer to hitting that spend. I guess I always have my hotel in Vegas that could cover the rest of my spend in full. But also the longer I hold out the CIU, I can throw my Jan taxes on there and now worry about hitting it.

I need to try using my GoPuff credits w/ pick up for October. And I need to use my Amex Gold Biz offers now too. I swear my to-do list for all these credit cards is getting to be a full time job, LOL.

Urgh, my Amex offer is 15% using 714 points.

I only got offers tied to using points too! UGH.

 

[LynnTH]

My Cap One Venture X yearly fee is coming up. I also have the Cap One Venture. Not sure I see any reason to keep this anymore. I was keeping for PP but I have CSR now, which includes restaurants. And seems all the places we fly into the PP is not at that location. If I cancel the Venture X - the Cap One can pretty much do all the same things right. Still cash out travel purchases 1:1 and transfer to partners?

Also the Cap One 360 Checking. Opened accounts for me an DH on 9/22. Transferred $250 on 9/28 and 9/29 from my Bank. $350 Bonus was in there on 10/10. One of the easier bonuses. Also, did US Bank Biz Bank Bonus - waiting on the 60 days to keep funds in there and that will be another $350.

 

[elgerber]

I always skip over the Chase offers as I legit have about 10 Chase checking/savings accounts tied to my name, LOL. But a $900 bonus is going to get my attention Do you have to be a new customer? Or just opening a new account? My BF and I opened an acct w/ Citizen's to show Delta we're together. And we'll get a small bonus from it. But I wouldn't mind opening an acct w/ Chase (we both have chase accounts) together and get the $900 bonus.

I'm working on the Bonvoy 5 FNCs offer. I never really look for or worry about the tracker. Do they normally have a tracker on the spend for this card? I am holding off on the CIU #2 waiting to get closer to hitting that spend. I guess I always have my hotel in Vegas that could cover the rest of my spend in full. But also the longer I hold out the CIU, I can throw my Jan taxes on there and now worry about hitting it.

I need to try using my GoPuff credits w/ pick up for October. And I need to use my Amex Gold Biz offers now too. I swear my to-do list for all these credit cards is getting to be a full time job, LOL.


I only got offers tied to using points too! UGH.

I read the print on the $900 offer, and it said no bonus in the last 24 months :-(
I wanted to do it too.

 

[Arcades]

I always skip over the Chase offers as I legit have about 10 Chase checking/savings accounts tied to my name, LOL. But a $900 bonus is going to get my attention Do you have to be a new customer? Or just opening a new account? My BF and I opened an acct w/ Citizen's to show Delta we're together. And we'll get a small bonus from it. But I wouldn't mind opening an acct w/ Chase (we both have chase accounts) together and get the $900 bonus.

From the Terms and Conditions of the $900 Offer: "Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years."

 

[elgerber]

From the Terms and Conditions of the $900 Offer: "Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years."

It also says this, am I reading this wrong?

• You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account.

 

[pinkxray]

I was finally able to get and use an Amex amazon offer. I got 40% off if I used MRs. I bought the kids advent calendars, crest whitening strips and some sandwich bags, cashed out using 1 MR and saved $60.

Now, I got the little kids advent calendars. DD19 wants the ulta one. I have a Chase offer for 10% and ebates has 10% at ulta. Thinking I should just get it now? Not sure if they ever go on sale or if they’ll still be available if I wait until later in Nov.

Also used my Lowe’s offer on my Amex blue biz. $50 off $200. Bought a Disney gift card for our upcoming trip. I was distracted however by the beautiful Disney Christmas decorations at Lowe’s. All the money I just saved today will most likely go right back to Lowe’s for those soon.

 

[calypso726]

We're doing BOS-MAD-BCN next May to get to a Med DCL. I know Iberia Biz class isn't the best but are the flight attendants nice at least? Just wondering what to expect on such a long flight. Also hoping to have time to use a lounge shower in MAD during our 2.5 hr layover.

Oh yes the flight attendants were lovely. I mean it isn’t Singapore Suites service which is pretty over the top, but I had no complaints.

We did use the lounge during our very brief layover but I don’t recall if there were showers or not. I do recall finding it was a challenge.