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Must APP

Valued Contributor

Re: Must APP


Epcot wrote:
Woah, four approvals at once? Congrats!

Thanks.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 21 of 46
Valued Contributor

Re: Must APP


Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 22 of 46
Blogger

Re: Must APP


Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.

Message 23 of 46
Valued Contributor

Re: Must APP


HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 24 of 46
Established Contributor

Re: Must APP

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 25 of 46
Valued Contributor

Re: Must APP


distantarray wrote:

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.

 

Someday I will get a no AF card that has lounge access haha

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 26 of 46
Blogger

Re: Must APP

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.

Message 27 of 46
Valued Contributor

Re: Must APP


HiLine wrote:

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.


After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 28 of 46
Blogger

Re: Must APP


Dustink wrote:

distantarray wrote:

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.

 

Someday I will get a no AF card that has lounge access haha


My goal for next year is to have all the 3 cards with 5% bonus categories and no annual fees. Smiley Happy

 

If that goal is accomplished early, I will look for an airlines card which grants lounge access. The first year's annual fee should be waived, so it'll be close to no AF. Smiley Wink

Message 29 of 46
Blogger

Re: Must APP


Dustink wrote:

HiLine wrote:

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.


After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha

 


Lol @ them being embarrased about their own product

 

Message 30 of 46