Credit Cards Center Credit cards from our partners
Reply
Super Contributor
Posts: 6,224
Registered: ‎02-23-2011
0

Re: UR points redemption


CreditScholar wrote:

Holy sh*t, you too? Mine wants to help all of the animals, conserve the environment and ease human suffering, but at least she still likes a good steak! Maybe it's because she grew up in the exact opposite position as myself, but regardless I think I've picked up a lot of good habits from her.

 

We have re-usable everything, and she's glad that I go along with most of her "hippie ideas" even though they're definitely not my thing. She trusts my decisions regarding credit, which cards to get, and will rotate a few cards for different categories. It works for us and I guess it's a good tradeoff.


Because of her, we have the stupid 3 trash cans in our house.  One for recycling, compost, and the other for...ah...trash, I guess. 

 

Jokes aside, I've learned a considerable amount from here, and continue to do so.  Still, on general principle, I've got to roll my eyes on the no rewards Wells Fargo card she insists on using.

Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption


Open123 wrote:

CreditScholar wrote:

Holy sh*t, you too? Mine wants to help all of the animals, conserve the environment and ease human suffering, but at least she still likes a good steak! Maybe it's because she grew up in the exact opposite position as myself, but regardless I think I've picked up a lot of good habits from her.

 

We have re-usable everything, and she's glad that I go along with most of her "hippie ideas" even though they're definitely not my thing. She trusts my decisions regarding credit, which cards to get, and will rotate a few cards for different categories. It works for us and I guess it's a good tradeoff.


Because of her, we have the stupid 3 trash cans in our house.  One for recycling, compost, and the other for...ah...trash, I guess. 

 

Jokes aside, I've learned a considerable amount from here, and continue to do so.  Still, on general principle, I've got to roll my eyes on the no rewards Wells Fargo card she insists on using.


Really? Mine still has some capitalist in her, so she sees the value in using decent cards even if she wants (in her words) a "scruffy, scrappy, fluffy dog army".

 

I couldn't believe it when one time she approached a rabid, feral cat who was injured and tried to pick it up. It latched on to her left arm, then when she tried to pull it off it flipped in mid-air and started biting and latching itself on to her right arm. RARRRRR MEOWWW HISSS!!! It seriously looked like something out of a cartoon. She said she'd do it again and her doctor thought she was crazy.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption


Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 

Currently, there's a 25K sign up bonus (there I go again!  LOL), and along with your domestic spending would give you a nice opportunity to try it out for free.  If it turns out there aren't any properties you'd like with the "cash + points" option, you can always transfer them to airlines at a 25% bonus.  Only downside is that UA isn't one of those.  They are, but at 2 spg points to 1 UA mile, which is hardly compelling value.

 

If I were you, I'd try it out just for the 25K bonus and first year fee waived.  


I'll probably give it a try later this year then, if nothing else to see what the fuss is about.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Super Contributor
Posts: 6,224
Registered: ‎02-23-2011
0

Re: UR points redemption


CreditScholar wrote:

Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 

Currently, there's a 25K sign up bonus (there I go again!  LOL), and along with your domestic spending would give you a nice opportunity to try it out for free.  If it turns out there aren't any properties you'd like with the "cash + points" option, you can always transfer them to airlines at a 25% bonus.  Only downside is that UA isn't one of those.  They are, but at 2 spg points to 1 UA mile, which is hardly compelling value.

 

If I were you, I'd try it out just for the 25K bonus and first year fee waived.  


I'll probably give it a try later this year then, if nothing else to see what the fuss is about.


In Sep/Oct, the bonus may go up an extra 5K!  LOL

Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption


Open123 wrote:

CreditScholar wrote:

Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 

Currently, there's a 25K sign up bonus (there I go again!  LOL), and along with your domestic spending would give you a nice opportunity to try it out for free.  If it turns out there aren't any properties you'd like with the "cash + points" option, you can always transfer them to airlines at a 25% bonus.  Only downside is that UA isn't one of those.  They are, but at 2 spg points to 1 UA mile, which is hardly compelling value.

 

If I were you, I'd try it out just for the 25K bonus and first year fee waived.  


I'll probably give it a try later this year then, if nothing else to see what the fuss is about.


In Sep/Oct, the bonus may go up an extra 5K!  LOL


I'll be out of the country until November, most likely. If I applied in October, I'd have to activate it and then let it sit until we landed. Blowing through 5k minimum spend in December will be easy though.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption


Open123 wrote:

CreditScholar wrote:

Holy sh*t, you too? Mine wants to help all of the animals, conserve the environment and ease human suffering, but at least she still likes a good steak! Maybe it's because she grew up in the exact opposite position as myself, but regardless I think I've picked up a lot of good habits from her.

 

We have re-usable everything, and she's glad that I go along with most of her "hippie ideas" even though they're definitely not my thing. She trusts my decisions regarding credit, which cards to get, and will rotate a few cards for different categories. It works for us and I guess it's a good tradeoff.


Because of her, we have the stupid 3 trash cans in our house.  One for recycling, compost, and the other for...ah...trash, I guess. 

 

Jokes aside, I've learned a considerable amount from here, and continue to do so.  Still, on general principle, I've got to roll my eyes on the no rewards Wells Fargo card she insists on using.


Sounds like Dharma and Greg. Smiley Happy

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: UR points redemption


Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 


REALLY? Your going to complain about international FOREX fees for Cash + Points redemption? Smiley Very Happy

 

1. 3% Forex Fees

2. 1,600 points + $30 = Category 2 Sheraton in Nha Trang (which should be a 4 imo)  so what do you pay in Forex fees? 90 cents!  Is it worth double or triple Starwood points (depending on status) for the 3%? ABSOLUTELY. Only card that COULD take it if your only getting 2x at Starwood is MAYBE a CSP if you have one since you get 2.14 UR points which could ALMOST compare against Starwood, but still I prefer 2x - 3x Starwood vs 2x UR points.

 

For me

 

Starwood > UR points > Amex MR


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption


distantarray wrote:

Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 


REALLY? Your going to complain about international FOREX fees for Cash + Points redemption? Smiley Very Happy

 

1. 3% Forex Fees

2. 1,600 points + $30 = Category 2 Sheraton in Nha Trang (which should be a 4 imo)  so what do you pay in Forex fees? 90 cents!  Is it worth double or triple Starwood points (depending on status) for the 3%? ABSOLUTELY. Only card that COULD take it if your only getting 2x at Starwood is MAYBE a CSP if you have one since you get 2.14 UR points which could ALMOST compare against Starwood, but still I prefer 2x - 3x Starwood vs 2x UR points.

 

For me

 

Starwood > UR points > Amex MR


If you go through the UR portal, you can get an extra 2 UR points per dollar on SPG properties using the CSP. That would give you 4.28 UR points per dollar spent. For stays where you pay cash, you'd be getting that (from charging on the CSP) plus the 2-3 starpoints per dollar spent at the hotel.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: UR points redemption

[ Edited ]

CreditScholar wrote:

distantarray wrote:

Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 


REALLY? Your going to complain about international FOREX fees for Cash + Points redemption? Smiley Very Happy

 

1. 3% Forex Fees

2. 1,600 points + $30 = Category 2 Sheraton in Nha Trang (which should be a 4 imo)  so what do you pay in Forex fees? 90 cents!  Is it worth double or triple Starwood points (depending on status) for the 3%? ABSOLUTELY. Only card that COULD take it if your only getting 2x at Starwood is MAYBE a CSP if you have one since you get 2.14 UR points which could ALMOST compare against Starwood, but still I prefer 2x - 3x Starwood vs 2x UR points.

 

For me

 

Starwood > UR points > Amex MR


If you go through the UR portal, you can get an extra 2 UR points per dollar on SPG properties using the CSP. That would give you 4.28 UR points per dollar spent. For stays where you pay cash, you'd be getting that (from charging on the CSP) plus the 2-3 starpoints per dollar spent at the hotel.


lol looking back I mis-read the first post, I thought he was complaining about Forex fees for Cash and points, but there is none =)

 

and UR mall is not a possibility while paying cash and points

 

Also a fun one, can you figure out how I get almost 7 points on a dollar on Mariott hotels? =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: UR points redemption

[ Edited ]

distantarray wrote:

CreditScholar wrote:

distantarray wrote:

Open123 wrote:

CreditScholar wrote:

 

What's your opinion on applying for the SPG, yes or no? Is it worth adding into my rotation for domestic spending only? I've never had it before.


In my view, this is easily Amex's best product.  

 

The fee is reasonable, and the returns are high if some of the hotels you like end up on the category 3, 4, or 5s.  The only downside is the forex fee, but you can always use the "cash + points" for int'l properties and pay with a no forex fee card.

 


REALLY? Your going to complain about international FOREX fees for Cash + Points redemption? Smiley Very Happy

 

1. 3% Forex Fees

2. 1,600 points + $30 = Category 2 Sheraton in Nha Trang (which should be a 4 imo)  so what do you pay in Forex fees? 90 cents!  Is it worth double or triple Starwood points (depending on status) for the 3%? ABSOLUTELY. Only card that COULD take it if your only getting 2x at Starwood is MAYBE a CSP if you have one since you get 2.14 UR points which could ALMOST compare against Starwood, but still I prefer 2x - 3x Starwood vs 2x UR points.

 

For me

 

Starwood > UR points > Amex MR


If you go through the UR portal, you can get an extra 2 UR points per dollar on SPG properties using the CSP. That would give you 4.28 UR points per dollar spent. For stays where you pay cash, you'd be getting that (from charging on the CSP) plus the 2-3 starpoints per dollar spent at the hotel.


lol looking back I mis-read the first post, I thought he was complaining about Forex fees for Cash and points, but there is none =)

 

and UR mall is not a possibility while paying cash and points

 

Also a fun one, can you figure out how I get almost 7 points on a dollar on Mariott hotels? =)


Sure, go through the UR portal with a Marriott card. The card gives you 5 points per dollar, and the portal another 2. So you'll get 5 Marriott points + 2 UR points per dollar spent.

 

The other way is to purchase gift cards when they have the yearly specials. Last year they were giving an extra 10 points per dollar spent buying the gift cards. So you'd be getting 15 points per dollar (5 for the marriott card + 10 bonus).

 

Both scenarios will then let you earn points during the actual hotel stays too (10 base plus elite bonuses).

 

Oops, my turn to misread. I'm assuming you use a rotating 5 point/dollar category card plus UR?

 

 

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.