@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
Why?
Amazon offers everything. Lol.
EDIT: Yes, Barclays does distinguish between those fulfilled by Amazon and those fulfilled by 3rd party vendors. Also, $6000 a year on groceries, while a decent amount, is still pretty easy to surpass when you consider it's only $500 a month on average. Sallie Mae would effectively give you a 50% boost on the amount of groceries you can get 5% on, plus Sallie Mae works at many Walmarts and Targets, while Amex BCP does not.
Amazon GC's solve this problem.
In most cases yes. However Amazon GC cannot be used to by other gift cards (which is what I mainly use SM for!)
For Target spend, Redbird is the way to go, as you get the 5% + whatever reward your cc gives you. (Sadly, BB doesn't do the same for Walmart)
But at Target, can't you use the Sallie Mae to refill the Redbird card and effectively get 5% back twice?
Possibly, but the double dip actually only equates to 9.75% off.
I'm aware, but that's still pretty dang terrific, lol.
Yes it is, I was just clarifying that it isn't 10%.
Although now that I think about it, I actually think it is the full 10%. Normally, 5% plus 5% does not equal the full 10%, but with the initial 5%, you aren't getting 5% off the total purchase at first (which would reduce the amount of cashback you would get on the second 5% cashback.)
For example, I use my Sallie Mae and get a Redbird card and fill it for $100. I get $5 back on my Sallie Mae card for my spending. Then, I turn around and use my Redbird card on a $100 TV. I then save $5 off that and it rings up $95. In total, I got the full $10 back. It's not a "5% off and then a 5% on what's left" situation.
I suppose.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
Why?
Amazon offers everything. Lol.
EDIT: Yes, Barclays does distinguish between those fulfilled by Amazon and those fulfilled by 3rd party vendors. Also, $6000 a year on groceries, while a decent amount, is still pretty easy to surpass when you consider it's only $500 a month on average. Sallie Mae would effectively give you a 50% boost on the amount of groceries you can get 5% on, plus Sallie Mae works at many Walmarts and Targets, while Amex BCP does not.
Amazon GC's solve this problem.
In most cases yes. However Amazon GC cannot be used to by other gift cards (which is what I mainly use SM for!)
For Target spend, Redbird is the way to go, as you get the 5% + whatever reward your cc gives you. (Sadly, BB doesn't do the same for Walmart)
But at Target, can't you use the Sallie Mae to refill the Redbird card and effectively get 5% back twice?
Possibly, but the double dip actually only equates to 9.75% off.
I'm aware, but that's still pretty dang terrific, lol.
Yes it is, I was just clarifying that it isn't 10%.
Although now that I think about it, I actually think it is the full 10%. Normally, 5% plus 5% does not equal the full 10%, but with the initial 5%, you aren't getting 5% off the total purchase at first (which would reduce the amount of cashback you would get on the second 5% cashback.)
For example, I use my Sallie Mae and get a Redbird card and fill it for $100. I get $5 back on my Sallie Mae card for my spending. Then, I turn around and use my Redbird card on a $100 TV. I then save $5 off that and it rings up $95. In total, I got the full $10 back. It's not a "5% off and then a 5% on what's left" situation.
How the technicality tables have turned.
To the OP, sorry to hijack your thread, lol. I don't know much about either of those cards, but I do think the Chase Marriott is a great hotel card worth looking into. You get a free annual night's stay, which more than pays for the annual fee.
@PNW_Hunter wrote:Any thoughts on the Amex Starwood/Mariott vs Penfed Travel Amex?
Penfed is 5 points/dollar on airfare and Starwood/Mariott have great rewards, I've heard as well.
Might look to add a travel card as well
i would take SPG since they have better partners, which to me means better value.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
Why?
Amazon offers everything. Lol.
EDIT: Yes, Barclays does distinguish between those fulfilled by Amazon and those fulfilled by 3rd party vendors. Also, $6000 a year on groceries, while a decent amount, is still pretty easy to surpass when you consider it's only $500 a month on average. Sallie Mae would effectively give you a 50% boost on the amount of groceries you can get 5% on, plus Sallie Mae works at many Walmarts and Targets, while Amex BCP does not.
Amazon GC's solve this problem.
In most cases yes. However Amazon GC cannot be used to by other gift cards (which is what I mainly use SM for!)
For Target spend, Redbird is the way to go, as you get the 5% + whatever reward your cc gives you. (Sadly, BB doesn't do the same for Walmart)
But at Target, can't you use the Sallie Mae to refill the Redbird card and effectively get 5% back twice?
Possibly, but the double dip actually only equates to 9.75% off.
I'm aware, but that's still pretty dang terrific, lol.
Yes it is, I was just clarifying that it isn't 10%.
Although now that I think about it, I actually think it is the full 10%. Normally, 5% plus 5% does not equal the full 10%, but with the initial 5%, you aren't getting 5% off the total purchase at first (which would reduce the amount of cashback you would get on the second 5% cashback.)
For example, I use my Sallie Mae and get a Redbird card and fill it for $100. I get $5 back on my Sallie Mae card for my spending. Then, I turn around and use my Redbird card on a $100 TV. I then save $5 off that and it rings up $95. In total, I got the full $10 back. It's not a "5% off and then a 5% on what's left" situation.
How the technicality tables have turned.
To the OP, sorry to hijack your thread, lol. I don't know much about either of those cards, but I do think the Chase Marriott is a great hotel card worth looking into. You get a free annual night's stay, which more than pays for the annual fee.
haha no problem!
Thanks for all the info