Simon mall gift card(2014-2015)
Sep 10, 2015, 10:33 am
#1861
Suspended
Join Date: Nov 1999
Posts: 24,153
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Last edited by craz; Sep 12, 2015 at 9:08 pm
Sep 10, 2015, 10:47 am
#1862
Suspended
Join Date: Nov 1999
Posts: 24,153
.....
Last edited by craz; Sep 12, 2015 at 9:10 pm
Sep 10, 2015, 11:13 am
#1863
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
Sep 10, 2015, 11:31 am
#1865
Join Date: Aug 2015
Posts: 322
Guys, let's not write PhD thesis on MS. It should be quick and dirty.
Sep 10, 2015, 2:38 pm
#1867
Suspended
Join Date: Nov 1999
Posts: 24,153
as cdancer and I said, what works for her or me might not work for you and vice versa. Unfortunately the only way to know which is best is each person sits down as cd and I said and crunch the #s and then decide
Last edited by craz; Sep 12, 2015 at 9:14 pm
Sep 10, 2015, 4:18 pm
#1868
Join Date: Jun 2015
Posts: 1,727
cdancer and craz are mostly correct that SM will earn (not necessarily 1 point) the minimum points for each of those cards (no category bonus).. The Amex Surpass earns 3 points to be technical, but it takes a gazillion hhobir points to do anything.. To me SM is best for getting status quickly or for airline cards. Use the surpass at grocery stores and gas stations. It's better to pay $5.95 at grocery than the $3.95 at SM.
Sep 10, 2015, 4:31 pm
#1869
Suspended
Join Date: Nov 1999
Posts: 24,153
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Last edited by craz; Sep 12, 2015 at 9:16 pm
Sep 10, 2015, 4:46 pm
#1870
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
good idea about using it at supermkts, its not much different per pt but still a savings. Surpass is 6x while the reg HH Amex is 5x and comes with no ann fee, didnt crunch the #s so is it worth paying the AF for the 1 extra pt? I think $40k in spend gets you Diamond is that only with the Surpass or either card
So $80 in fees gets you a 30k free night which isnt too bad along with a stay credit if heading for status and not going after status with use of the CC. But I wonder if PLing or HW would cost less, of cause no credit but less $ for the night.
So $80 in fees gets you a 30k free night which isnt too bad along with a stay credit if heading for status and not going after status with use of the CC. But I wonder if PLing or HW would cost less, of cause no credit but less $ for the night.
Sep 10, 2015, 6:34 pm
#1871
Suspended
Join Date: Nov 1999
Posts: 24,153
..........
Last edited by craz; Sep 12, 2015 at 9:19 pm
Sep 10, 2015, 9:46 pm
#1872
Join Date: Jun 2015
Posts: 1,727
good idea about using it at supermkts, its not much different per pt but still a savings. Surpass is 6x while the reg HH Amex is 5x and comes with no ann fee, didnt crunch the #s so is it worth paying the AF for the 1 extra pt? I think $40k in spend gets you Diamond is that only with the Surpass or either card
So $80 in fees gets you a 30k free night which isnt too bad along with a stay credit if heading for status and not going after status with use of the CC. But I wonder if PLing or HW would cost less, of cause no credit but less $ for the night.
So $80 in fees gets you a 30k free night which isnt too bad along with a stay credit if heading for status and not going after status with use of the CC. But I wonder if PLing or HW would cost less, of cause no credit but less $ for the night.
Basically you pay 50% more at the grocery store vs SM but you get 100% more points with the surpass card (assuming $1 MO fee).
Now it appears the discover cashback cards and mile cards would be the best to use at SM if SM accepted Apple pay (10% cashback or miles on first $10k spending with discover via Apple pay).
Sep 11, 2015, 7:15 am
#1873
Join Date: Jun 2011
Posts: 800
The $40k spend for diamond is only on the Surpass. I learned this the hard way after hitting 40k spend on the basic card. Now I'm doing $40k on the surpass and combining it with gas discount which more or less negates any prepaid fees.! I'll complete the $40k spend within 6-8 weeks.
Basically you pay 50% more at the grocery store vs SM but you get 100% more points with the surpass card (assuming $1 MO fee).
Now it appears the discover cashback cards and mile cards would be the best to use at SM if SM accepted Apple pay (10% cashback or miles on first $10k spending with discover via Apple pay).
Basically you pay 50% more at the grocery store vs SM but you get 100% more points with the surpass card (assuming $1 MO fee).
Now it appears the discover cashback cards and mile cards would be the best to use at SM if SM accepted Apple pay (10% cashback or miles on first $10k spending with discover via Apple pay).
Sep 11, 2015, 8:55 am
#1874
Suspended
Join Date: Nov 1999
Posts: 24,153
The $40k spend for diamond is only on the Surpass. I learned this the hard way after hitting 40k spend on the basic card. Now I'm doing $40k on the surpass and combining it with gas discount which more or less negates any prepaid fees.! I'll complete the $40k spend within 6-8 weeks.
Basically you pay 50% more at the grocery store vs SM but you get 100% more points with the surpass card (assuming $1 MO fee).
Now it appears the discover cashback cards and mile cards would be the best to use at SM if SM accepted Apple pay (10% cashback or miles on first $10k spending with discover via Apple pay).
Basically you pay 50% more at the grocery store vs SM but you get 100% more points with the surpass card (assuming $1 MO fee).
Now it appears the discover cashback cards and mile cards would be the best to use at SM if SM accepted Apple pay (10% cashback or miles on first $10k spending with discover via Apple pay).
Sep 11, 2015, 9:11 am
#1875
Join Date: Jun 2015
Posts: 1,727
Thanks thats what I thought, seems it also gives you Gold from the get-go. actually getting GCs at a supermkt is better with the Surpass over SGCs, since its 6x instead of 3x and the fee isnt 2x only 50% more. (so 6k in HH pts costs $7.90 @ Simon while 6k in HH pts costs $5.95 at a supermkt, so $40 spent is $476 in fees but you get 240k in pts that can save you alot more then the 476 spent, plus Diamond, if my math is correct)