topic Re: MR question in Credit Cards

MR question

Anonymous — Wed, 13 Jun 2018 01:41:51 GMT

I have a very bizarre circumstance. Let me say first, I am not complaining, but I'm just confused. So since my last statement, I have only put $374 on my PRG. I have been doing almost all spend on IT to maximize 1st year cash back. When my statement cut today, my MR account was 3,094 points richer. I checked the breakdown and nothing out of the ordinary seemed prevelant. The month prior 4/11 -5/11, I maybe spent about 3,000 on the card, and got the expected 4600 points - no surprises there. Again I was happily shocked when I opened my app this morning. Does anyone know what I'm missing?

Re: MR question

simplynoir — Wed, 13 Jun 2018 01:48:16 GMT

Enrolled in any AMEX offers perhaps?

Re: MR question

Anonymous — Wed, 13 Jun 2018 01:52:26 GMT

That’s a good thought, but no. The only spend was gas and a few restaurants.

Re: MR question

K-in-Boston — Wed, 13 Jun 2018 01:59:08 GMT

Membership Rewards points are delayed by a full statement. So the points you just received are from the previous statement unless there was an Amex offer. Here's a screenshot from my rewards detail; you'll see that the date that the statement MRs posted was the following month while everything else was instant:

Re: MR question

Anonymous — Wed, 13 Jun 2018 02:02:29 GMT

@Anonymous wrote:
I have a very bizarre circumstance. Let me say first, I am not complaining, but I'm just confused. So since my last statement, I have only put $374 on my PRG. I have been doing almost all spend on IT to maximize 1st year cash back. When my statement cut today, my MR account was 3,094 points richer. I checked the breakdown and nothing out of the ordinary seemed prevelant. The month prior 4/11 -5/11, I maybe spent about 3,000 on the card, and got the expected 4600 points - no surprises there. Again I was happily shocked when I opened my app this morning. Does anyone know what I'm missing?

First, what do you mean 1st year cash back? Also, maybe you accidentally hit one of their bonus merchants. I think there are a few now that do not require enrolling? Maybe AXP audited your points and gave you a bonus?

Re: MR question

Anonymous — Wed, 13 Jun 2018 02:03:13 GMT

Have you been reading your statements correctly? For me at least, my statement rewards are one month behind. Meaning the points that you just received are from last months statement, not the last 30 days, and your next statement will reward what your current statement balance is. That’s how mine works anyways.

Re: MR question

K-in-Boston — Wed, 13 Jun 2018 02:10:07 GMT

@Anonymous wrote:
@Anonymous wrote:
I have a very bizarre circumstance. Let me say first, I am not complaining, but I'm just confused. So since my last statement, I have only put $374 on my PRG. I have been doing almost all spend on IT to maximize 1st year cash back. When my statement cut today, my MR account was 3,094 points richer. I checked the breakdown and nothing out of the ordinary seemed prevelant. The month prior 4/11 -5/11, I maybe spent about 3,000 on the card, and got the expected 4600 points - no surprises there. Again I was happily shocked when I opened my app this morning. Does anyone know what I'm missing?
First, what do you mean 1st year cash back? Also, maybe you accidentally hit one of their bonus merchants. I think there are a few now that do not require enrolling? Maybe AXP audited your points and gave you a bonus?

OP has the Discover IT card, which matches all cash back earned in the first year on your anniversary. All Amex Offers require enrollment, but there are bonus categories on some card types.

Re: MR question

Anonymous — Wed, 13 Jun 2018 02:18:38 GMT

@K-in-Boston wrote:
@Anonymous wrote:
@Anonymous wrote:
I have a very bizarre circumstance. Let me say first, I am not complaining, but I'm just confused. So since my last statement, I have only put $374 on my PRG. I have been doing almost all spend on IT to maximize 1st year cash back. When my statement cut today, my MR account was 3,094 points richer. I checked the breakdown and nothing out of the ordinary seemed prevelant. The month prior 4/11 -5/11, I maybe spent about 3,000 on the card, and got the expected 4600 points - no surprises there. Again I was happily shocked when I opened my app this morning. Does anyone know what I'm missing?
First, what do you mean 1st year cash back? Also, maybe you accidentally hit one of their bonus merchants. I think there are a few now that do not require enrolling? Maybe AXP audited your points and gave you a bonus?
OP has the Discover IT card, which matches all cash back earned in the first year on your anniversary. All Amex Offers require enrollment, but there are bonus categories on some card types.

That makes more sense. For some reason I though IT referred the PRG that capped off the preceding sentence. I don't use Discover so the IT card is not usually in my recall space. That makes more sense. I thought they instituted the "blockchain" rewards program that lets certain merchants offer more rewards or something. There was a minute when Boxed showed as a 5x earner on certain things. I don't believe that required enrollment; I did not use it, but I am trying to locate that information.

Re: MR question

Anonymous — Wed, 13 Jun 2018 02:19:36 GMT

Yes - correct about Discover IT. I just went through all previous statements and the 30 days behind idea seems to make sense in most cases except not all. Perhaps because purchases were made on 5/9and 5/10 that were larger purchases the points lagged the statement. I hope that makes sense. The only offers I’ve enrolled in I used months ago and have already received bonuses for. if it was something I was auto enrolled in then I didn’t see it on the MR statement.

Re: MR question

Anonymous — Wed, 13 Jun 2018 23:33:16 GMT

@K-in-Boston wrote:
Membership Rewards points are delayed by a full statement. So the points you just received are from the previous statement unless there was an Amex offer. Here's a screenshot from my rewards detail; you'll see that the date that the statement MRs posted was the following month while everything else was instant:

Thanks for that ^

I wasn't sure if Amex broke down your MR earnings and on what, like that. lol Nice to know!

Also, how' you go about getting 3 Amazon spends, wasn't that 2K for $50 only usable once?

I recentl just went into Chase's rewards system to find out why I had twice as many points as my spend. Forgot that they gave 2X on Dining.

Re: MR question

K-in-Boston — Wed, 13 Jun 2018 23:44:15 GMT

@Anonymous wrote:
@K-in-Boston wrote:
Membership Rewards points are delayed by a full statement. So the points you just received are from the previous statement unless there was an Amex offer. Here's a screenshot from my rewards detail; you'll see that the date that the statement MRs posted was the following month while everything else was instant:
Thanks for that ^
I wasn't sure if Amex broke down your MR earnings and on what, like that. lol Nice to know!
Also, how' you go about getting 3 Amazon spends, wasn't that 2K for $50 only usable once?

I recentl just went into Chase's rewards system to find out why I had twice as many points as my spend. Forgot that they gave 2X on Dining.

No problem. You can access this screen by navigating to Rewards under the Membership tab. In the dropdown box on the left (next to the green Go button) select Points Summary and click Go. As for the Amazon thing, multiple tabs or accounts are your friends and there were actually more than 3.