What is the most useful frequent flyer blog?
Apr 8, 2013, 3:52 pm
#2402
Join Date: Nov 2010
Location: Brooklyn
Programs: AMEX Plat, AAdvantage Gold, UA, SPG Gold, HHonors Gold
Posts: 963
Apr 8, 2013, 3:59 pm
#2404
Join Date: Nov 2010
Location: Brooklyn
Programs: AMEX Plat, AAdvantage Gold, UA, SPG Gold, HHonors Gold
Posts: 963
Apr 8, 2013, 4:08 pm
#2406
Join Date: Feb 2007
Posts: 754
http://thepointsguy.com/2013/03/deciding-on-the-best-travel-credit-card-deals-for-my-recent-round-of-applications/
Apr 8, 2013, 4:17 pm
#2407
Join Date: Feb 2009
Posts: 3,737
Why does Chase not jump on the bandwagon?
Apr 8, 2013, 4:44 pm
#2408
Join Date: Dec 2004
Location: SEA
Posts: 1,887
While the shopdiscover portal tends to have very competitive payouts, you'd need to be doing a lot of online shopping to justify the credit inquiry. An inqjuiry is worth $500 minimum in opportunity cost. Let's be generous and say the shopdiscover portal would get you 2% more cash back than other portals. You would need to do $25K of online shopping to justify the inquiry. Better to wait for a good sign up bonus. Of course, TPG is pandering to clueless noobs who can probably afford the inquiry, but clearly his choices are tainted by the affiliate commission.
Apr 8, 2013, 4:53 pm
#2409
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
While the shopdiscover portal tends to have very competitive payouts, you'd need to be doing a lot of online shopping to justify the credit inquiry. An inqjuiry is worth $500 minimum in opportunity cost. Let's be generous and say the shopdiscover portal would get you 2% more cash back than other portals. You would need to do $25K of online shopping to justify the inquiry. Better to wait for a good sign up bonus. Of course, TPG is pandering to clueless noobs who can probably afford the inquiry, but clearly his choices are tainted by the affiliate commission.
And the differential is often significantly more than 2%. It is frequently as much as 10% or even more, especially when they run their specials. It also stacks up with their quarterly 5x promos.
Apr 8, 2013, 5:30 pm
#2410
Join Date: Oct 2006
Location: BUF
Programs: SPG Plt, HHonors Gold, UA Gold, PC Plat, Marriott Gold
Posts: 880
Apr 8, 2013, 5:45 pm
#2411
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
While the shopdiscover portal tends to have very competitive payouts, you'd need to be doing a lot of online shopping to justify the credit inquiry. An inqjuiry is worth $500 minimum in opportunity cost. Let's be generous and say the shopdiscover portal would get you 2% more cash back than other portals. You would need to do $25K of online shopping to justify the inquiry. Better to wait for a good sign up bonus. Of course, TPG is pandering to clueless noobs who can probably afford the inquiry, but clearly his choices are tainted by the affiliate commission.
Apr 8, 2013, 6:34 pm
#2412
Join Date: Nov 2012
Location: 1A with Dom Perignon
Programs: Platinum Sky Pimp
Posts: 86
TPG's last churn was 100% affiliate free, including three where his affiliate offers were worse (five total).
http://thepointsguy.com/2013/03/deci...-applications/
http://thepointsguy.com/2013/03/deci...-applications/
Apr 8, 2013, 7:51 pm
#2413
Join Date: Feb 2004
Location: CLE
Programs: UA GS+LT UC, AA EXP+LT PLT, Fairmont LT PLT, Marriott PLT, Hilton DIA, Hyatt Glob, Avis CHM
Posts: 4,671
Apr 8, 2013, 8:23 pm
#2415
Join Date: Dec 2004
Location: SEA
Posts: 1,887
How do you define impact on credit? Bonus points if it's something other than looking at credit scores.