@CreditCuriousity wrote:
@jsucool76 wrote:
@CreditCuriousity wrote:
@Kenro wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
I wonder when the 140K points offer will be back..
It was the 15 or 16 of this last December is when it hit last year. So expecting it to around that time this year. I would say still a good 80-90% chance it will be back.
@OP as others have stated if yo can qualify for 5k and obviously afford the 395$ AF there is no income requirements.. Nothing is special w/regards to that with this card.
In all honesty I dont understand why some make big deal of the AF... When I applied for Marriot/Ritz I got combined 210k marriot points, 300$ are travel credit which can be redeemed for flight tickets if you stay around 150$.
At least for me, cards with high AF work out not only to cover the AF but actually save me a lot of money. J.P morgan concierge even managed to find my lost iphone at 4 am in a taxi...
I agree that the AF is worth it.. Although some people would never pay for it on this card, platinum card, prestige or even the smaller CSP AF. Some people just are against AF's and this is one of the larger ones for a CC. Card isn't meant for everyone as it is a travel card and people need to understand that. When it comes back to the original questions of Income requirements I don't think one could make much use of this card say at 25k-30k annual income unless their employer reimbursed them for travel, etc.
I definitely think someone with 25k-30k income could make use of the ritz. There's no benefits here that really apply exclusively to more wealthy people.Some Ritz hotels have super low rates for use with the club level upgrade (Atlanta, Tyson's Corner, Pentagon City, Sometimes DC, Ft. Lauderdale) where you could be paying a very similar price for a standard marriott or something. A single vacation can easily recoup all the cost of this card.
People with just say 25k income will not be traveling near as much, if even one vacation a year that they might use card? I personally think it is silly if one was to obtain a fairly high AF cc on say a 25k income as most people wouldn't be able to afford a vacation one a year let alone 1.6% of their income (pre-tax of course, so that figure would be a bigger %). I think that money could be used more wisely in other ways. Each is to their own though and ultimately if they can benefit from it and can get approved for a 5k CL then more power to them as it isn't for me to judge how to use ones money and that is for each individual to figure out for themselves. Anyways we are getting a bit off subject. I think the question is answered their is no minumum income required as long as you have the credit to get approved for 5k cl.
Yes, but you're not spending 1.6% of your income on a credit card.
(if the 140k offer comes back) you're spending 1.6% of your income on 140,000 marriott points, $600 in airline gift cards, lounge access, and other benefits.
even if you only count the airline gift cards, you're essentially investing 1.6% of your income in future travel, and it's giving you a 150% return on your investment.
