What is the best UR point strategy?
Apr 9, 2013, 10:17 am
#1
Original Poster
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
What is the best UR point strategy?
Here is my Chase breakdown:
UA Club - applied 5/12 (will close soon)
BA Visa - applied 7/12 (will keep open for the other 50k deposit)
PC - applied 11/12
UA Exp - Applied 2/13
Other than the UA Club, all the other cards are staying active. I know I can squeeze another Chase app, may do it before closing the club to move CL.
But, what is my best strategy to maximize UR points for 2013?
From what I've seen, the current offers are:
Sapphire Preferred - 40k after $3k spend
Ink Bold - 50k after $5k spend
Ink Plus - 50k after $5k spend
These are all business cards though. Are there any personal UR cards?
What would be a decent strategy to maximize getting all the flavors over the span of the year?
UA Club - applied 5/12 (will close soon)
BA Visa - applied 7/12 (will keep open for the other 50k deposit)
PC - applied 11/12
UA Exp - Applied 2/13
Other than the UA Club, all the other cards are staying active. I know I can squeeze another Chase app, may do it before closing the club to move CL.
But, what is my best strategy to maximize UR points for 2013?
From what I've seen, the current offers are:
Sapphire Preferred - 40k after $3k spend
Ink Bold - 50k after $5k spend
Ink Plus - 50k after $5k spend
These are all business cards though. Are there any personal UR cards?
What would be a decent strategy to maximize getting all the flavors over the span of the year?
Apr 9, 2013, 10:19 am
#2
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Apr 10, 2013, 7:37 am
#6
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
Apr 10, 2013, 12:14 pm
#7
Original Poster
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
Chase only allows one app per day, correct?
So should I apply for Sapphire & freedom same month?
then wait a while and get the Ink?
So should I apply for Sapphire & freedom same month?
then wait a while and get the Ink?
Apr 10, 2013, 12:26 pm
#8
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Apr 11, 2013, 12:05 pm
#10
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Apr 15, 2013, 5:56 am
#11
Original Poster
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
I got the CSP .. they gave me grief for it because I did an AOR in Jan and got the Explorer card as part of it....
I now have 5 Chase products, will close down the UA Club once the miles for the month post... then probably close down the BA card sometime later this year once the other 50k post
I now have 5 Chase products, will close down the UA Club once the miles for the month post... then probably close down the BA card sometime later this year once the other 50k post
Apr 17, 2013, 10:38 am
#13
Join Date: Feb 2013
Location: Scottsdale, Az.
Programs: US Gold & AA Lifetime Gold
Posts: 216
I got the CSP .. they gave me grief for it because I did an AOR in Jan and got the Explorer card as part of it....
I now have 5 Chase products, will close down the UA Club once the miles for the month post... then probably close down the BA card sometime later this year once the other 50k post
I now have 5 Chase products, will close down the UA Club once the miles for the month post... then probably close down the BA card sometime later this year once the other 50k post
Did you nail your 5 chase products as part of AOR or spread out? My fico has gone from approx 780 to 723 due to the hard pulls resulting from my most recent card run. Just wondering if a 723 is going to kill my Ink or Priority app.
Apr 17, 2013, 4:39 pm
#14
Join Date: Dec 2012
Posts: 100
He recommends a FICO credit score of 720. So you should be fine.
Considering the special case of FlyerTalkers, I'd aim keep it a little higher most of the time. This is to act as a buffer against the dips due to credit inquiries.
Apr 17, 2013, 5:59 pm
#15
Join Date: Feb 2013
Location: Scottsdale, Az.
Programs: US Gold & AA Lifetime Gold
Posts: 216
Jeff Rose, the personal finance blogger at GoodFinancialCents.com has a post titled, Credit Score Scale: What is a Good Credit Score? For what it's worth, he's a Certified Financial Planner (CFP) as well as a blogger.
He recommends a FICO credit score of 720. So you should be fine.
Considering the special case of FlyerTalkers, I'd aim keep it a little higher most of the time. This is to act as a buffer against the dips due to credit inquiries.
He recommends a FICO credit score of 720. So you should be fine.
Considering the special case of FlyerTalkers, I'd aim keep it a little higher most of the time. This is to act as a buffer against the dips due to credit inquiries.