Pay your rent online, earn miles!
Jan 23, 2013, 7:18 pm
#362
Join Date: Jan 2013
Programs: UA 1K | MR Platinum
Posts: 492
I am moving to a new apartment, and discovered they allow me to use a credit card for rent payments. This is great news, because it'll allow me to increase my credit card spend quite easily.
If anyone else lives in an apartment that accepts a service like RentPayment, this is something worth looking into.
My question is, what credit card would be best to use? The obvious answer would be "any requiring meeting spend", but let's move beyond that.
The cards I currently have are:
Chase Mileage Explorer Plus
Chase Marriott
Chase Southwest
Chase Priority Club
Chase Sapphire
Chase Ink Bold
American Express Platinum
Bank of America Hawaiian Miles
Citi Hilton
My current thought is the Mileage Explorer, because you get 10k extra miles after spending $25k in a calendar year. Any other cards I have a better choice and why, or is there a card out there I don't have that would be recommended for such high spending?
I thought about the AMEX Business with 75k sign-up, but they do not accept AMEX.
If anyone else lives in an apartment that accepts a service like RentPayment, this is something worth looking into.
My question is, what credit card would be best to use? The obvious answer would be "any requiring meeting spend", but let's move beyond that.
The cards I currently have are:
Chase Mileage Explorer Plus
Chase Marriott
Chase Southwest
Chase Priority Club
Chase Sapphire
Chase Ink Bold
American Express Platinum
Bank of America Hawaiian Miles
Citi Hilton
My current thought is the Mileage Explorer, because you get 10k extra miles after spending $25k in a calendar year. Any other cards I have a better choice and why, or is there a card out there I don't have that would be recommended for such high spending?
I thought about the AMEX Business with 75k sign-up, but they do not accept AMEX.
Jan 23, 2013, 7:29 pm
#363
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
Jan 24, 2013, 12:28 am
#364
Join Date: Dec 2004
Location: SEA
Posts: 1,887
Opportunity cost. You are limited on how much you can load and pay with Bluebird. Until you are limited, you can pay X or pay your rent. But once you are limited you may not be able to pay X with a CC, but you can pay the rent. So if you will be limited, it may be better to pay X with bluebird and pay the rent with a CC.
Jan 24, 2013, 12:44 am
#365
Join Date: Jan 2013
Programs: UA 1K | MR Platinum
Posts: 492
Well, I would have to go to CVS 3 times a month in order to buy 6 VRs. I figure it takes me 5 minutes to walk to CVS, 5-10 minutes to checkout depending on if there is a line or the clerk takes a while, then 5 minutes to walk back. So that's conservatively 15 minutes of work plus * 3 = 45 minutes + 3.95 * 6.
3.95 * 6 = 23.70. 39.00 (cost of paying via RentPayment) - 23.70 = 15.30.
So really it's only most cost-effective if you value the $15 you save more than the 45 minutes it takes you to get the VRs. I don't. I can pay rent from my computer while at work without taking my hand off my coffee mug.
Not to mention, this never raises flags from issuers or CVS clerks.
3.95 * 6 = 23.70. 39.00 (cost of paying via RentPayment) - 23.70 = 15.30.
So really it's only most cost-effective if you value the $15 you save more than the 45 minutes it takes you to get the VRs. I don't. I can pay rent from my computer while at work without taking my hand off my coffee mug.
Not to mention, this never raises flags from issuers or CVS clerks.
Jan 24, 2013, 6:31 am
#366
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
Well, I would have to go to CVS 3 times a month in order to buy 6 VRs. I figure it takes me 5 minutes to walk to CVS, 5-10 minutes to checkout depending on if there is a line or the clerk takes a while, then 5 minutes to walk back. So that's conservatively 15 minutes of work plus * 3 = 45 minutes + 3.95 * 6.
3.95 * 6 = 23.70. 39.00 (cost of paying via RentPayment) - 23.70 = 15.30.
So really it's only most cost-effective if you value the $15 you save more than the 45 minutes it takes you to get the VRs. I don't. I can pay rent from my computer while at work without taking my hand off my coffee mug.
Not to mention, this never raises flags from issuers or CVS clerks.
3.95 * 6 = 23.70. 39.00 (cost of paying via RentPayment) - 23.70 = 15.30.
So really it's only most cost-effective if you value the $15 you save more than the 45 minutes it takes you to get the VRs. I don't. I can pay rent from my computer while at work without taking my hand off my coffee mug.
Not to mention, this never raises flags from issuers or CVS clerks.
Jan 24, 2013, 1:39 pm
#367
Join Date: Jan 2013
Programs: UA 1K | MR Platinum
Posts: 492
Different strokes for different folks. If I couldn't use RentPayment, I would consider using BlueBird much more than I currently do.
Jan 25, 2013, 8:22 am
#368
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,939
Anyways, I agree, this method, though expensive, is easy and saves time. I only use it to meet minimum spend, and as a true Flyertalker, I am always trying to meet minimum spend.
Jan 26, 2013, 12:23 pm
#369
Join Date: Jun 2012
Location: texas
Posts: 85
Obviously, it's hugely subjective based on your personal situation. I work 80+ hours a week and value any spare shred of time away from the office very highly. Might not be the same story as someone who is un/underemployed and values money over their time.
Different strokes for different folks. If I couldn't use RentPayment, I would consider using BlueBird much more than I currently do.
Different strokes for different folks. If I couldn't use RentPayment, I would consider using BlueBird much more than I currently do.
Jan 27, 2013, 9:52 am
#370
Join Date: Jul 2012
Posts: 7
OK about this Rentpayment... Their website is awful to get info from. Can a renter pay through this service without their landlord being signed up for it? I'm a bit confused how it works.
Jan 27, 2013, 5:45 pm
#371
Join Date: May 2011
Programs: AA, Delta, Continental, Emirates, BA, Virgin Atlantic, US Airways
Posts: 194
Has anyone used this site recently to pay their rent? I have to meet my minimum spend next couple of months and I just signed up for WilliamPaid. I just don't know if this is something that will be treated as a cash advance which will kill this for me. Anyone have any data points on this recently?
Jan 27, 2013, 8:24 pm
#372
Join Date: Dec 2011
Programs: Hyatt Globalist, Marriott Titanium, Hilton Diamond, Wyndham Diamond, IHG Diamond, Omni Platinum
Posts: 197
Has anyone used this site recently to pay their rent? I have to meet my minimum spend next couple of months and I just signed up for WilliamPaid. I just don't know if this is something that will be treated as a cash advance which will kill this for me. Anyone have any data points on this recently?
What card are you planning to use?
Jan 27, 2013, 11:49 pm
#373
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
------------
Forget it. They charge landlords $10 a month PLUS 2.95% for using a credit card. No go.
Jan 28, 2013, 12:41 am
#374
Join Date: Aug 2011
Location: Southern California (LAX)
Programs: Marriott Gold, Identity Platnium (Cosmopolitan), Palladium Card, Hilton Diamond
Posts: 177
Obviously, it's hugely subjective based on your personal situation. I work 80+ hours a week and value any spare shred of time away from the office very highly. Might not be the same story as someone who is un/underemployed and values money over their time.
Different strokes for different folks. If I couldn't use RentPayment, I would consider using BlueBird much more than I currently do.
Different strokes for different folks. If I couldn't use RentPayment, I would consider using BlueBird much more than I currently do.
Jan 28, 2013, 4:09 am
#375
Join Date: Apr 2011
Posts: 111
Has anyone used this site recently to pay their rent? I have to meet my minimum spend next couple of months and I just signed up for WilliamPaid. I just don't know if this is something that will be treated as a cash advance which will kill this for me. Anyone have any data points on this recently?