How Many Credit Cards Do You Have?

[Cartierfor3]

I totally know what a 7% annual points dividend is but why don't one of you guys tell me what you think it is and I'll say yes or no if that's the right answer

[Emo EMAW]

I would tell you but I get pretty crappy signal down here and my mom is calling me up for lunch.

[The Tonya Harding of Twitter Users Creep]

I totally know what a 7% annual points dividend is but why don't one of you guys tell me what you think it is and I'll say yes or no if that's the right answer

take the 7% of points youve earned throughout the year and remember that number. chase will give you that many points on one of your statements at the beginning of the year.

[Cartierfor3]

I totally know what a 7% annual points dividend is but why don't one of you guys tell me what you think it is and I'll say yes or no if that's the right answer

take the 7% of points youve earned throughout the year and remember that number. chase will give you that many points on one of your statements at the beginning of the year.

He's right I'm pretty sure but I knew that like 100 years ago

[Asteriskhead]

Well, this is bullshit. I'm not paying $95 a year just to have a super hefty card.

[Emo EMAW]

Would rather have it churnable or dividend and 2x travel?

['taterblast]

like tons of people are going to cancel aren't they?

[michigancat]

Would rather have it churnable or dividend and 2x travel?

churnable for me

[mocat]

it's so heavy though! remember all those looks you get at the liquor store and stuff! 

['taterblast]

Would rather have it churnable or dividend and 2x travel?

churnable for me

what does churnable mean?

[Asteriskhead]

it's so heavy though! remember all those looks you get at the liquor store and stuff! 

Is it worth $95 for some person I don't know to have some weird misconception of my social status?

[steve dave]

No extra point for travel? Fuuuuuuck that.

it's for the extra point you got for booking through the UR portal. you will still get 2 pp$ on travel spend. idiots.

[michigancat]

No extra point for travel? Fuuuuuuck that.

it's for the extra point you got for booking through the UR portal. you will still get 2 pp$ on travel spend. idiots.

that wasn't how tater's snippet read and I was on my phone you wannabe flyertalk bully.

[steve dave]

READ THE FAQ YOU DOWNGRADES!

['taterblast]

i knew it meant the point through the UR portal the entire time, i just wanted to see the world burn

also the dividend thing still sucks

[steve dave]

i knew it meant the point through the UR portal the entire time, i just wanted to see the world burn

also the dividend thing still sucks

meh, it doesn't even take effect for a year and a half.

[michigancat]

i knew it meant the point through the UR portal the entire time, i just wanted to see the world burn

also the dividend thing still sucks

what an bad person, right?!?

[The Tonya Harding of Twitter Users Creep]

also the dividend thing still sucks

yeah. steve dave seems to be taking it pretty hard. did you see him yelling at rusty?

[mocat]

i knew it meant the point through the UR portal the entire time, i just wanted to see the world burn

also the dividend thing still sucks

what an bad person, right?!?

yeah i read it the way you did too. BLAST 

[GoodForAnother]

update: the hilton @kstate.edu promo did not work at all.  I made up an @hp.com email address and it has not updated online yet so I assume it also will not work but some guy on the internet said he eventually got a gold card in the mail.  also I guess I'm silver with hilton.  I don't know their colors.  their colors are stupid.

[steve dave]

Yeah, blue, silver, gold, platinum. You'd need some sort of tiering dictionary to figure this stuff out.

[GoodForAnother]

WHATEVER

[Trim]

I want to simplify what I'm holding on to and carrying, and making sure I'm getting the most bang for the swipe.  The main daily spend categories I deal with for which bonuses are available are gas, dining, and groceries.  When I'm not trying to hit a spend, I usually carry the sapphire and the hhonors surpass.  Sapphire's obvious, and the surpass gets 6x for gas, groceries and restaurants (but I use the sapphire for restaurants).

I've also got the Marriott, Hyatt and IHG.  Marriott & Hyatt are the same - 2x for restaurants, flights and car rental.  IHG is 2x for gas, groceries and restaurants.

I've got the Ink for 5x office stuff and 2x gas and hotels, and the SPG, AA and United which don't have any bonuses for things besides themselves, and I may cancel United depending on the results of my war with them.

I'm thinking I'll keep using the sapphire until the end of the year, get my annual dividend, move points to Ink, cancel and get a new one when the time is right.  But for when I don't have it or even when I do and have met the new spend, I'd like to maybe replace it as my dining card with the IHG or HHonors, and use that same card for gas/groceries, which sapphire doesn't bonus for.  I'd use Ink for everything else to keep building up general UR.

Are the hhonors points so shitty that even using it for 6x things is dumb?  After just spending 180K, I've got about 45K now, and currently get about 2K/month just using it on gas and groceries.  I've still got around 220K IHG points.  Basically comes down to 6x HHonors vs. 2x IHG.

I tried keeping my HHonors card in my car and only using it at gas stations and grocery stores, but lost it the first time I took it into Dillon's because it wasn't in my wallet.  Plus, I'm hoping to soon be walking my grocery store trips.

T-Y.

[steve dave]

I use my Ink for gas and office supplies, CSP for all other purchases. Unless I'm meeting a min. spend on something or my freedom has some 5x bonus on some spend type. I recommend everyone do the same.

[Trim]

I use my Ink for gas and office supplies, CSP for all other purchases.

Tell me why 1x UR is better than 6x HHonors or 2x IHG for groceries.