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Old Feb 11, 14, 10:19 pm
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Welcome to the new Credit Card Programs thread index! Please read the first post for a welcome message and general information.

This thread will only be updated occasionally. For alerts on new credit card offers, transfer bonuses, and limited time promotions, please subscribe to UA Fan's alert thread: The special credit card offers master thread [Subscription]

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START HERE! Welcome, General Advice, and Index of Popular Threads

Old Feb 11, 14, 7:42 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
START HERE! Welcome, General Advice, and Index of Popular Threads


You've found one of the best resources in the travel world for information on earning miles, points, and perks from credit cards.

There is an incredible amount of knowledge here, curated from years of experience in chasing travel goals. The purpose of this thread is to point you in the direction of the information most likely to help you, where ever you are in that journey.

The references in this thread are only to the most popular, recent discussions. We encourage you to use the "Search this Forum" link to uncover additional threads about less popular topics or offers before posting.

General Advice
One of the bedrock cultural preferences of this community is to encourage each person to commit to researching and learning about the various elements of this hobby and then asking questions. In other words, somewhere in this forum is the answer you seek but - because there are so many nuances and details to these offers - the process of finding your own answers will help you build your own instinct in crafting your personal strategy. However, if you become frustrated, do not hesitate to ask. We would rather have too many questions than too few!

If you invest the time in searching and reading, yet your question is still not answered, you'll usually have the best results posting your question in a recently active thread on a closely related topic, rather than creating a new thread. One noteworthy exception: If you are developing a personal application strategy that is not already covered by a destination-related thread, you may create your own thread in the Credit Card Programs forum. Preferably, the first post in that thread would outline the details of your own travel goals, review the research you've already completed, and suggest a possible draft strategy for the community's comments.

Last edited by MDtR-Chicago; Feb 11, 14 at 10:32 pm
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Old Feb 11, 14, 8:26 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Which Forums Relate to Credit Card Topics?

Where should I search or post for answers?
There are seven different places to look, depending on your exact question:

Credit Card Programs
The general forum for questions related to credit cards that earn miles, points, and other perks. If your question does not fit anywhere else, bring it here.

American Express | Membership Rewards
The place for discussion on all cards issued directly by American Express, including Membership Rewards and cashback cards. Exceptions: All Hilton branded cards are discussed in the Citi | ThankYou Rewards forum; cards issued by other banks but using the Amex network are discussed in the Credit Card Programs forum.

Chase | Ultimate Rewards
Threads relating to all cards that earn Chase Ultimate Rewards points, as well as most Chase co-branded airline and hotel cards, belong here. Notable exceptions: Hyatt and Southwest card discussion happens within those programs' own forums.

Citi | ThankYou Rewards
Conversations regarding Citi products that earn ThankYou Points, as well as other proprietary points systems managed by Citi and co-branded miles/points products. In particular, this includes Citi-issued American Airlines cards, as well as all Hilton HHonors cards (both Citi and Amex versions).

Diners Club | Club Rewards
Discussions regarding the current state of the Diners Club system and point transfers live here.

Manufactured Spending
Any and all discussion about creative ways to boost the total volume of credit card spending, in order to meet minimum spending requirements, boost point balances, or unlock high-spend benefits should be held here.

Promotions, third-party points, and other ways to earn free travel that are not tied directly to credit cards are discussed here. Examples: Checking account rewards, shopping portal bonuses, social media check-ins...

Each program's own forum
If you have questions or insight regarding using the actual miles or points themselves, or experiences with an airline or hotel group's service, your best resources will likely be found within that program's own forum on FlyerTalk. In other words, if the topic is not specifically about a credit card, it's usually better to post in a specific program's forum.

Last edited by MDtR-Chicago; Mar 29, 15 at 11:49 am
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Old Feb 11, 14, 8:28 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Cards that Earn True Miles or Points

For alerts on new credit card offers, transfer bonuses, and limited time promotions, please subscribe to UA Fan's alert thread: The special credit card offers master thread [Subscription]

Referral offers from community members for non-Amex cards: Credit card referral offers (post only in this thread, read Wikipost first)

Citi AAdvantage cards, Executive level
Applying: http://www.flyertalk.com/forum/citi-...ost-first.html
Experiences: AA Citibank Executive / AAdvantage World Elite MasterCard (& MM poll)
Benefits: Reduced Mileage Awards
Lounge Q&A: Help Desk: Lounge Access and Lounge Access Rules

Citi AAdvantage cards, Platinum level
Applying: http://www.flyertalk.com/forum/citi-...-benefits.html
Benefits: General Discussion | 10% Award Rebate | Reduced Mileage Awards

USAirways Cards
Note: These cards will eventually convert into AAdvantage cards but are still offered for signup in March 2015.
Offers without anniversary bonus: http://www.flyertalk.com/forum/credi...ot-waived.html
Offers with anniversary bonus: http://www.flyertalk.com/forum/credi...niversary.html (this version no longer offered)

Delta SkyMiles
Applying: Ongoing offers for Delta Amex [Master Thread]
Benefits for certain cards: Companion Certificate | Priority Boarding | MQM Boost
Debit Card: http://www.flyertalk.com/forum/credi...-after-1k.html

Hilton HHonors
Master thread with links to other discussions: http://www.flyertalk.com/forum/citi-...amex-citi.html

United MileagePlus
http://www.flyertalk.com/forum/unite...orer-card.html [Explorer benefits]
United business card: 50k+10k united miles
United MileagePlus Club Card, 1st Year $395 Annual Fee Waived, Tied to United Status?
Will the United devaluation change your credit card strategy?

Other popular cards
Alaska: http://www.flyertalk.com/forum/credi...ss-25k-up.html
British Airways: Chase BA Visa - 50,000 bonus Avios -No Annual Fee for 1st year
Club Carlson: US Bank Club Carlson Signature Visa Card, 85K Sign up, 40k/yr upon renewal
Hawaiian: Hawaiian Airlines (Barclays) Personal/Bus. Card-35K Miles for $1,000 Spend
Hyatt: The Hyatt Rewards Card from Chase (WIKI)
IHG Rewards: http://www.flyertalk.com/forum/chase...b-visa-mc.html
JetBlue: Jetblue TrueBlue Amex BACK 20k points. Spend $1k/3mo
Lufthansa: http://www.flyertalk.com/forum/credi...30-2014-a.html
Marriott: [On Again] 70k points, 1 night, no fee 1st yr, Marriott Premier Visa
Ritz Carlton: http://www.flyertalk.com/forum/chase...ards-card.html
Southwest: [Wiki] Chase Southwest Visa 50,000 Rapid Reward points offers
Starwood Preferred Guest: http://www.flyertalk.com/forum/ameri...al-offers.html
Virgin America: New Credit Card Details

Last edited by MDtR-Chicago; Mar 29, 15 at 11:59 am
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Old Feb 11, 14, 8:41 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Cards that Earn Proprietary Points / Cash - Amex Membership Rewards

This program has its own forum: American Express | Membership Rewards

Application Process / Popular Offers
Referral Offers (post only in this thread, no referral links, read Wiki post first).
http://www.flyertalk.com/forum/ameri...-1-2014-a.html [results thread]
http://www.flyertalk.com/forum/ameri...etime-usa.html [policy discussion thread]
American Express Blue Cash Preferred (6% supermarket questions)
Mercedes Benz AMEX [co-brand cards].
How many AMEX cards possible?
Amex [USA] refuses to honor signup bonus [Consolidated]

Popular Bonus Offers for Existing Cardholders
Bonus points to enroll in Extended Payment Option [USA]
Upgrade from Gold to Platinum [USA] [Consolidated]
25-30k MR to Upgrade Business Gold to Platinum

Earning / Using Points
Amex travel booking site: bonus points, fees, and limitations [Consolidated]
Transfer my Amex Membership Rewards points to which airline or hotel?
MR USA airline and hotel partner transfer times.
When is next airline transfer bonus? [See Wiki for USA history]
Combine/Gift/Transfer Membership Rewards Points
Transfer MR into someone else's FF account?
Using MR points for certain destinations: Australia | India | Italy

Card Benefits - General
Amex Extended Warranty
American Express Purchase Protection
AMEX Premium Car Rental Protection [Consolidated]
Report Amex website problems here
American Express (USA) replaces Email (SM) with Chat
Amex Concierge- what have they done for you?

Card Benefits - Platinum
New Platinum Card: To-Do List
[Expired] HHonors Gold for USA Platinum Chargecard holders
$200 airline fee reimbursement: General Discussion / Experiences: Air Canada | Alaska | American | Delta | Hawaiian | JetBlue | Southwest/AirTran | United | USAirways
New Centurion & Platinum Benefit: Global Entry fee refund [USA]

Card Benefits - Centurion
CX Marco Polo Diamond for Centurion [Ends November 2014]
Has anyone actually received an "Invite" to the Centurion program in 2014?
Report Centurion "WOW" Offers, Invites, Gifts
The Death Spiral of the Centurion Card
Buying a Ferrari on an AMEX card [to elicit Centurion invite]?

Card Benefits - Lounge Access
Airport lounge access with Amex Platinum charge card, including Centurion lounges.
AA/US lounge access going away March 22, 2014 [for Amex Platinum cardholders]
Delta Skyclub-- no more free guests, effective 5.1.2014 [for Amex Platinum cardholders]
Amex-sponsored "Centurion" lounges for certain cardholders: DFW | LAS | LGA | SFO | Outside the USA | Speculation / Rumors
US Centurion and Platinum Members receive Priority Pass Select

Last edited by MDtR-Chicago; Jul 22, 14 at 1:10 am
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Old Feb 11, 14, 8:53 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Cards that Earn Proprietary Points / Cash - Others

Chase Ultimate Rewards
This program has its own forum: Chase | Ultimate Rewards [includes co-branded Chase cards]

Application Process / General Questions
Applying for Chase Credit Cards [Consolidated]
Chase Ink Business Card Questions [Consolidated]
Sapphire Preferred : 40K + 5K, $3k spend, AF waived 1st yr.
Sapphire Preferred EMV (Chip & Signature) available 10.31.2013
Chase Sapphire Preferred - Keep, Downgrade, or Cancel?
Why is Chase Sapphire Preferred so popular?
JP Morgan Palladium Card
How many Chase cards do you/can you have?

Earning / Using Points and Benefits
Chase Ultimate Rewards Mall [Consolidated] [Master thread with links to sub-topics]
Booking flights, rooms, car rentals via Ultimate Rewards Mall [Consolidated]
Experiences using non-Chase card at UR Mall
Ultimate Rewards transfer partners, times and rules.
Official: No UR points to another person's airline or hotel account
Chase Sapphire Preferred Benefits Thread
Questions about Ultimate Rewards 7% annual bonus, awarded in February [Consolidated]
Chase Freedom 5% Merchant Categories
Chase Freedom eliminates Exclusives (10+10) even for those grandfathered in?
Lounge Club membership from Chase credit cards

Citi ThankYou Points
http://www.flyertalk.com/forum/credi...s-program.html [may be outdated]
How is the Citi ThankYou Rewards system in the current state?
Confirmed: Changes to Citi ThankYou and Premier cards 10.20.2013
Citi ThankYou points - cancel, downgrade & expiration considerations
[Expired] Citi ThankYou Preferred 5x Gas/Groceries/Drugstore
Prestigious Citi Card Tricks [Citi Prestige Card benefits]
Citi Prestige card companion ticket
New Citi Premier & Prestige 15% Off Travel when booked through Spirit Incentives

Other Point Systems
Diners Club - see the related forum: Diners Club | Club Rewards
U.S. Bank FlexPerks [Master Thread]
HSBC Premier World MasterCard
Merrill+ VISA [Consolidated]
How good is the Travelocity credit card? [Originally Mastercard, now Amex]

Other Cash Back Systems
http://www.flyertalk.com/forum/credi...meriprise.html [1.5% plus lounge access]
Arrival signup/Q&A: http://www.flyertalk.com/forum/credi...l-credits.html
Arrival shopping portal: http://www.flyertalk.com/forum/credi...periences.html
2 Capital One cashback cards: Business 2%, Personal 1.5% [Card names change]
Fidelity 2% signup process: http://www.flyertalk.com/forum/credi...cash-back.html
Fidelity 2% general questions: Fidelity 2% cashback AmEx-network card [Consolidated]
JCB Marukai Premium Card- 3% cashback?

Last edited by MDtR-Chicago; Jul 22, 14 at 1:15 am
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Old Feb 11, 14, 9:01 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Cards Issued Outside the USA

Global Transfer experiences [Amex cards]

See also: http://www.flyertalk.com/forum/miles...zz-canada.html
Amex Canada referral program questions and discussion
Best place to transfer Amex points in Canada?
Canada AMEX Platinum fee increase to $699 June 29 2012
Canadian Amex Plat $200 travel credit?
Canadian Centurion
AeroplanPlus Platinum Vs Canadian Platinum [Amex]

United Kingdom (UK)
Tracking Promotions UK [Amex cards]
Platinum [UK] Card: Was It Worth It This Year?
UK: Hugely detrimental changes to Platinum travel insurance from January 25th [Amex Platinum]

Last edited by MDtR-Chicago; Jun 14, 14 at 9:30 pm
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Old Feb 11, 14, 9:25 pm
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
The Application Process and Long-Term Strategy

Reconsideration / Reallocation Discussions
Note: Many popular cards discuss reconsideration directly in their master threads.
Amex Credit Line Reallocation - Again available [2011]

Retention Offers
Retention Bonuses [for Amex cards]
Chase retention bonus or fee waiver reports [All cards]
Converting Chase card to another type
Cancelling Citi AA AAdvantage Card / Retention Bonus (consolidated)
Retention bonus [Diners Club]

Account Closures / Risks of Loss
Financial Review discussion [Amex cards]
Chase closed my CC account with 300,000+ UR points
Chase closes INK Bold and takes more than 380,000 UR's
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
Nervous about high Ultimate Rewards balance?
Chase fraudulent charges
Citi cards closed, TYP confiscated, reasons not disclosed.

Managing Credit and FICO
Applying for Business Credit Cards [Consolidated]
Credit Line Increases / CLI: Chase | Others
http://www.flyertalk.com/forum/credi...-database.html [may be outdated]
How many cards is too many? [Consolidated]
FICO Score getting killed - I am obviously doing this wrong [FICO and Utilization]

Last edited by MDtR-Chicago; Jul 17, 14 at 1:31 am
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Old Jun 14, 14, 11:57 am
Moderator: Chase Ultimate Rewards
Original Poster
Join Date: Apr 2005
Location: SFO
Programs: MR LT Plat, IHG Plat, BW Dia, HH Au
Posts: 5,324
Other Popular Topics of Discussion

Noteworthy Expired Offers
[Expired] No Fee First Year 50K after $1k spend AMEX P.R. GOLD
AMEX Business Gold Rewards 75k (Expired) 10k/4 months
[EXPIRED] Navy FCU Flagship Rewards: 60k (=$600) after $3k in 90 days; $0 first year
Schwab Invest Visa? 2% cash back on everything? [Discontinued card]

Specific Spending Categories / Bills - Best Credit Cards
[Consolidated]Ordering flowers online - best mileage/points deals
[Consolidated] Miles for Rent/Mortgage/Tuition?
Pay your rent online, earn miles!
How to pay rent with Amex?

Popular Destinations
Note: Only the most popular destinations are listed here. Please make sure you search thoroughly for destination-related threads before starting new threads!

Current Trends and Innovation
Andrews FCU Chip & PIN card application process & usage reports
Dynamic Currency Conversion (DCC) - Master Thread
USA Cards with no Foreign Transaction Fees

Common Card Benefits - Hotel Perks
Las Vegas Hotels - FHR experience [Beginning Q4 2010]
FHR Upgrades and Amenities [except Las Vegas] 2013
FHR vs Virtuoso, Four Seasons Preferred Partner, etc [consolidated]
Visa Signature Luxury Hotel Experiences?

Common Card Benefits - Other
Amex Skyguide Executive Privilege Club [Merged] [lounge access; open to all]
http://www.flyertalk.com/forum/diner...confusing.html [Diners Club; historical thru 2013]
Best CC for “primary” rental car CDW insurance? (WIKI)

Checking and Investment Accounts
[Consolidated] 1099s for miles & cash rewards from all banks
Questions on BankDirect (consolidated) [offers AA miles]
Chase checking account questions and strategies [Consolidated]
Fidelity Bonus offers for airline miles & hotel points ONLY
AA Miles For New Citibank Checking Account [Consolidated]
Citibank Checking 40,000 TY Points

Last edited by MDtR-Chicago; Jul 22, 14 at 1:16 am
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