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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Would a PRG be worth it for me? Rewards gurus welcome :)

[ Edited ]

Thinking of PRG...  Maybe early next year....

 

 

Business Services   1,174.44        3%

 

Communications      3,919.53      11%

 

 Entertainment   348.59  1%

 

Fees & Adjustments  40.00   <1%

 

 Merchandise & Supplies  14,395.34  42%

 

 Other  17.35  <1%

 

 Restaurant  4,065.42  12%

 

Transportation  6,903.82   20%

 

 Travel 3,264.39 10%

 

 Total: 34,128.88

 Given these numbers as my YTD spend...   Feb 2012 - November 2012      Would the PRG be worth it?


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)

[ Edited ]

Don't put business expense on AMEX personal card.

 

But I honestly think CSP will be better off than PRG for you. You have spending on travel, transportation, and restaurant. All of which will get you 2X UR points for CSP. Not to mention 1:1 redemption ratio, lower AF, and no FTF fee.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)

[ Edited ]

trumpet-205 wrote:

Don't put business expense on AMEX personal card.

 

But I honestly think CSP will be better off than PRG for you. You have spending on travel, transportation, and restaurant. All of which will get you 2X UR points for CSP.


business expenses here include US postal service, FedEx, Office supplies.   stuff that my work reimburses me for.   These aren't expenses for my own business.  Oddly enough, copays for healthcare and dentist bill pops up under the catagory "business services"

 

Keep in mind these are totals for the account,  my husband is an ACM, a lot of the "merchandise" are things that he orders for his hobby which is building guns and reloading ammo.   

 

Maybe I need to look at CSP...   I just like a charge card better because it forces me to PIF.  Also I've convinced by husband to use the charge card simply because you have to PIF, he is an AU on my other cards but he refuses to use them because they are "credit cards"    Thanks for your Input i will look at it!  I've been a Chase customer for over 10 years and my 13 yr old Discover account just got bumped over the 5k mark this year... so I might qualify for it especially if they pull TU


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)

[ Edited ]

If those business expenses are within your monthly income (even though they are getting reimburshed) then you can put it on personal card without AMEX coming after you.

 

My recommendation is CSP + Ink combo. With Ink MasterCard you get 5% rebate (through MasterCard EasySavings) from USPS.com as well as 5X UR points on office supplies. CSP gives you no FTF and 2X UR points on restaurant, travel (including transportation).

 

You can then move points between Ink and CSP.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)


trumpet-205 wrote:

If those business expense is within your monthly income (even though they are getting reimburshed) then you can put it on personal card without AMEX coming after you.

 

My recommendation is CSP + Ink combo. With Ink MasterCard you get 5% rebate (through MasterCard EasySavings) from USPS.com as well as 5X UR points on office supplies. CSP gives you no FTF and 2X UR points on restaurant, travel (including transportation).

 

You can then move points between Ink and CSP.


We are going to Sweden in January, No FTF would be nice!!     so with CSP you get 2x UR on gas?    That seems like a pretty sweet deal


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)

You get 2X UR points on gas from Ink.

 

CSP Travel does not include gas. It does include bus ticket, cab, rental, hotel, etc.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)

Does it matter that I don't have business credit established?


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Would a PRG be worth it for me? Rewards gurus welcome :)


webhopper wrote:

Does it matter that I don't have business credit established?


My Chase Ink Classic is my first business credit card, so it is very possible to get it as your first business card.

 

Most people do need to call in to answer some business questions.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Would a PRG be worth it for me? Rewards gurus welcome :)


trumpet-205 wrote:

webhopper wrote:

Does it matter that I don't have business credit established?


My Chase Ink Classic is my first business credit card, so it is very possible to get it as your first business card.

 

Most people do need to call in to answer some business questions.


Does Ink report to my personal credit report, or is it a hidden tradeline?


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Would a PRG be worth it for me? Rewards gurus welcome :)

[ Edited ]

webhopper wrote:

Does Ink report to my personal credit report, or is it a hidden tradeline?


It is a hidden tradeline on personal credit report. Not sure about business credit report.
In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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