Random
Footballguy
Haha, I did my first few flips (2006-2007) with 0% credit cards. Even put the proceeds in some online savings account that got up to 7-8% interest until the card had to be paid off. Those were good days.
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Credit Cards (1 Viewer)
- Thread starter RC94
- Start date
ghostguy123
Footballguy
I was actually going to try and churn a few for the zero interest to pay off my house faster. Technically velocity banking I suppose.
The plan is to just use that card for everything, get the signup bonus stuff, then start paying it off a few months before the interest would start. All the while putting as much as I can on my house.
Then get another one. After that I should have the house paid off.
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culdeus
Footballguy
Capella
Footballguy
culdeus
Footballguy
That's just a flavor of a platinum (I think).
I mean without knowing exactly what the offer is generically you need to look at high fee cards like this:
- Stuff you get for free
These tend to be status matches at hotels at the lowest or next to lowest level. If this has value to you for work stays then it might be worth it.
- Airport lounges, depending on how much you fly and where this can pay for your fees alone just in meals and drinks
[*]Stuff you get credits for you probably would spend anyways
This might include uber credits or grubhub maybe.
- Some have flexible nearly anything goes travel credits that.
[*]Stuff you get that you might not have used or your company would have paid for
This might be things like airline fee credits to pay for bag fees, seat upgrades, etc
So it's simply a matter of
Stuff you get for free (Value) +stuff you'd buy anyways - Annual Fee
If the card is +EV keep it for next year, otherwise pocket the sign up bonus, and cancel it in 12-13 months.
Capella
Footballguy
culdeus
Footballguy
If you need help there's a credit card points thread that has more activity about perks and bonus stuff than this one.
Amex is sending out a lot of NLL offers right now, you can most likely sell your offer for $50 to $75 on the open market depending on what yours is.
Redwes25
Footballguy
Just get platinum card the fees on the black card are absurd and the only real additional perks are vastly improved concierge service and automatic platinum status on delta. It is really just a status symbol.
https://www.google.com/amp/s/thepointsguy.com/guide/amex-centurion-black-card/amp/
McBokonon
Footballguy
Just got an email from Venmo inviting me to apply for their Visa. 3% on a category you pick, 2% on another, 1% on everything else. No annual or foreign transaction fee. What got my attention after looking into this is “grocery” includes Costco. $10K spending cap per year, but that’s $300 I’ll get pretty easily, even while using 5% grocery rotating cards like Chase Freedom Flex and Discover It throughout the year at regular grocery stores.
Just an FYI. Haven’t applied yet.
ETA: Couldn’t find the separate rewards thread on my phone after really no effort
Just an FYI. Haven’t applied yet.
ETA: Couldn’t find the separate rewards thread on my phone after really no effort
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