Tres

Account Executive

Valued Contributor

Playing the credit card points game

I saw a post from JDialz in April (What is your favorite credit card? (bravado.co)) about recommending credit cards, but I wanted to take this topic in a different direction than some of the answers.

Focusing on the points - do you play the "points game" where you switch to 3-4 different cards each year and try to max out the bonus offers? What success have you had, any great free stuff you've gotten? I could also use a new card now, so if any current deals are going on let me know. (My last card was the Hilton Honors Amex and I already got the points bonus).

I dabble a bit (not as professional as the points guy who I shared the link for or anything), but my best reward was getting enough points to fly Business Class from Australia to New Zealand on Emirates, that was legit!

https://thepointsguy.com/cards-pm/?utm_source=google&utm_medium=cpc&utm_campaign=BRD1-Other-the%20points%20guy-460231335569&utm_term=the%20points%20guy&utm_cmpid=1023450124&utm_adgid=54348627830&utm_tgtid=kwd-306275226200&utm_mt=e&utm_adid=460231335569&utm_dvc=c&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm

Credit card points

Attached poll

Yes - why not max out the free points and offers they give! No - it's a waste of time for little reward.

*Voting in this poll no longer yields commission.

6

15 comments

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SADNES5

Politicker

3

down voters are marketing spies

Churning is a full time job. I like to sign up, hit min spend, get points, cancel or ask to waive annual fee.

I am a big "points" guy.

App I use to stay on top of my loyalty cards StoCard

Tres

Politicker

0

Account Executive

What's your best card right now?

SADNES5

Politicker

0

down voters are marketing spies

Best card? For what - flights? Hotel?

Tres

Politicker

0

Account Executive

Bonus points or points in general.

SADNES5

Politicker

1

down voters are marketing spies

I am partial to SkyTeam for flights. BonVoy for Hotels. Avis for car rental.

I am from Canada... so my card experience is far different than USA where you can get a card, hit min spend, get points. cancel card. sign up again and repeat.

If you're looking for best all encompassing card, prep for a high annual fee.

In Canada.

AMEX Cobalt - best over all
TD Aeroplan Inf - best for flights/points/status climbers. Points on Car rentals, hotel, flights etc.
WestJet World Elite MC - for regional flying, $ spent. So corp bookings in my name get credits.
AMEX BonVoy - silver status guaranteed with 14 "free nights". EZ min spend. Quicker upgrade to ambassador status.
My corp VISA is no frills.

My american compatriots have much better cards/rewards available.

Blackwargreymon

Politicker

1

MDR

Churning can be fun if you have the time to keep up with it. I stopped when travel stopped.

CuriousFox

WR Officer

0

🦊

Churning can be fun if you have the time to keep up with it. I stopped when travel stopped.

SalesPharaoh

Big Shot

0

Senior Account Executive

Yes I play the points game usually to buy electronics like phones, kitchen equipment w/e the elecronic shop has available last I got was Vaccum cleaner.

Beans

Big Shot

0

Enterprise Account Executive

Travel cards are where it's at.

Pay for absolutely everything with our shared AMEX and we get about 2k+ in discounts annually on flights.

CaneWolf

Politicker

0

Call me what you want, just sign the damn contract

Just keep in mind you can fucking trash your credit score this way. It can cause problems in the long-term.

Tres

Politicker

0

Account Executive

Yes it does ding your credit score a little bit for each one, so I do try to limit to only a few cards per year

aiko

Politicker

0

Sr. Account Executive

Few cards per year? Do you open a few cards every year?

Tres

Politicker

0

Account Executive

Yeah. Usually I wait for a good bonus points deal to start one, but on average 2 cards a year I'd say

Clashingsoulsspell

Politicker

0

ISR

My company has legitimately dope swag. They even opened up a swag store that sells shit at cost and is great quality

MR.StretchISR

Politicker

0

ISR

I give good swag for good existing customers. You gotta make it nice though. No coffee mugs or USB sticks.

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