Originally Posted by
rea1
It is tough to spend 9K in 3 month as have to fulfill 3k for AMEX gold biz, even more difficult as I plan to apply extra RBC BA CC for my wife.
At the end of the day, fact in $165 fee 3% paypal cost to manufacture these 54k (45k+9k) avios points, return is not great: (165+270)/54k=0.8 cpm, cheaper then buy avios, but worse then AMEX plat.
Yeah, I did the paypal thing to make a minimum spend once for SPG Amex, and it was only a slightly better deal that it would've been to purchase the miles. But...I got a big bonus, which was nice.
Some people have suggested buying gift cards for future purchases to make a minimum spend.
It's hard to plan these things, but I figure that It's safer to apply for the cards with the big minimum spends around Xmas time, as that is when I spend the most money. It worked last year with the BA Visa, so I think it should work again this year...