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everyday:money:credit_cards [2019/06/04 22:25]
admin
everyday:money:credit_cards [2019/09/10 20:05] (current)
admin
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 ====== Signup Bonus Harvesting ====== ====== Signup Bonus Harvesting ======
  
 +When transferring a large amount of money (probably > $10K?), it raises a lot fewer questions when the money is sent from the holding bank to the new bank, as opposed to the new bank requesting the money from a holding bank. Same sort of thing for writing a check.
 +
 +**Re-Bonus Limitations** https://​thepointsguy.com/​guide/​credit-card-application-restrictions/​
 +  * Wells Fargo is once every 6 months, 15 months per card.
  
 ===== BarclayCard ===== ===== BarclayCard =====
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 Maybe more useful ones here, but already scanned through. https://​www.nerdwallet.com/​blog/​banking/​best-bank-bonuses-promotions/​ Maybe more useful ones here, but already scanned through. https://​www.nerdwallet.com/​blog/​banking/​best-bank-bonuses-promotions/​
 +
 +^ Bank ^ Reward ^ Fine Print ^ Date ^
 +| Chase | $300 + 2% of $15K for 90 days of mucking around. 8% risk free return, before interest taxes | $500 direct deposit in checking monthly. $15K in savings for 90 days. Transfer $25 monthly to savings from checking. \\ Don't bail out before 6 months or else you will get billed for bonus. \\ https://​www.doctorofcredit.com/​chase-600-checking-savings-bonus/​ \\ {{:​everyday:​money:​chase_checking.png?​200|}} | Accepted Aug 20 2019 |
 +| PNC | $300, but no acct minimums | Within 60 days: 10 debit card transactions ([[https://​www.doctorofcredit.com/​bank-accounts/​how-to-meet-minimum-debit-credit-transaction-requirements/​|use square cash]] or [[https://​www.amazon.com/​gp/​gc/​create?​ie=UTF8&​ref_=reload_egc_upsell|Amazon balance reload]], $1 min for free), $5K of direct deposit \\ Fee avoidance: $5K in direct deposit per month? Or $25 early account closure fee \\ Bi-weekly pay is $3k. | Accepted 8/22/19 |
 +| HSBC | | | Still waiting...DONE! \\ To transfer, go to top menu My HSBC, then Bank to Bank Transfers |
 +| US Bank | | | Started when? (check email) Closed w/ no fee |
 +| Wells Fargo | $400 | | When should I stop transferring $500 in per month? |
 +
 +**Speaking of which, early account closure fees for the other banks I've done...**?
  
  
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 ==== Currents ==== ==== Currents ====
-^ Name ^ Notes ^ +^ Name ^ Notes ^ State ^ Number ​
-| Capital One Quicksilver | Keeping for long age of accounts. $12 remaining | +| Capital One Quicksilver | Keeping for long age of accounts. $12 remaining ​| | 4463 
-| Capital one Savor | Close next week to get big Capital One card \\ Can only have 2 Capital One cards at a time | +| Capital one Savor | Close next week to get big Capital One card \\ <del>Can only have 2 Capital One cards at a time</​del>​ | | 9430 
-| HSBC Cash Rewards | Keep open for AAoA and end of year bonus. $20 credit remaining| +| HSBC Cash Rewards | Keep open for AAoA and end of year bonus. $20 credit remaining ​| | 6155 
-| Bank of America MLB | Keep open? | +| Bank of America MLB | Keep open? | | 
-| Bank of America Cash Rewards | Keep open? | +| Bank of America Cash Rewards | Keep open? | | 
-| Wells Fargo Cash Wise | Keep open? | +| Wells Fargo Cash Wise | Keep open? | | 
-| BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 |+| BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 | | | 
 +| Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://​thepointsguy.com/​guide/​citi-thankyou-transfer-times/​|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn'​t seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | | | 
 +| Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://​onemileatatime.com/​citi-card-24-month-rule/​ | | 8115 | 
 +| US Bank Altitude Reserve | $400 annual fee, but $375 in travel credit + 50K points \\ [[https://​www.doctorofcredit.com/​best-current-credit-card-sign-bonuses/#​US_Bank_Altitude_Reserve_8211_50000_Points|Doctor of Credit]]| Approved July 2019\\ Apply for Global Entry on receipt, wait to churn on tax payment \\ {{ :​everyday:​money:​lounge_directory.pdf |Priority pass lounges}} (4 free for cardholder, 4 for guests) $28 value each \\ flight on same day | 9516 | 
 +| Wells Fargo Propel | $300 / $3k. $0 annual fee| Approved July 2019 \\ Use to churn on tax payment|
  
 ==== On Deck ==== ==== On Deck ====
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 Annual fee is 0 for first year.  Annual fee is 0 for first year. 
  
 +Maybe annual fees are worth it sometimes. ​
 +  * Only if you're planning on doing the traveling. Otherwise it feels like a pain. If you pay it with after-tax money and if you pay it from the bonus miles, then you have to pay up...now! ​
 +
 +**Check this site for latest: https://​www.doctorofcredit.com/​best-current-credit-card-sign-bonuses/​**
 +
 +** Can also sign up for several smaller cards... **
 ^ Name ^ Amount ^ Notes ^ ^ Name ^ Amount ^ Notes ^
-Citi Premier, maybe AA cards? | $4000 / $625 on airfare$850 if on [[https://thepointsguy.com/guide/citi-thankyou-transfer-times/|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn'​t seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | | +[[https://​www.fidelity.com/​go/​rewards-visa-signature-card-1501|Fidelity Card]]? | $1500/$150no annual fee | | 
-Citi AAdvantage ​... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://onemileatatime.com/citi-card-24-month-rule/ | | +[[https://www.doctorofcredit.com/penfed-pathfinder-rewards-american-express-review-3x-travel-25000-point-sign-bonus/|PenFed]] | $2500 / $220 in gift cards + $100 in airfare. | | 
-| HSBC Premier World | $3000 / $400 airfare | | +[[https://​www.elements.org/​personal/​credit-cards/​|Elements Financial]] | $1000/$200 | | 
-| Capital One Venture / Savor | $500/$3k, $500/$3k | Shortly? Denied Fall 2018 |+| [[https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/| Amex Blue Cash]] | $1500?/$200 | | 
 +| US Bank FlexPerks Travel Rewards Visa | $2000/$375 travel | No annual fee 1st year | 
 +| US Bank Cash 365 | $500/$150 cash | No annual fee | 
 +| Wells Fargo Cash Wise | $500/$150 cash | No annual fee | 
 +|<​del>​ PNC Premier Traveler Visa Signature</​del>​ (only non-OR states) | $3000/$300 travel | No annual fee first year | 
 +| Frontier Card ? | 40K points, but $75 annual fee | | 
 +| HSBC Premier World | $3000 / $400 airfare | Nope! Need to be Premier checking, which is a lot of hassle at this point. $5K monthly transfer in 
 +| Capital One Venture / Savor | $500/$3k, $500/$3k | Shortly? Denied Fall 2018. **Denied** June 2019. |
 | <​del>​American Express</​del>​ | | Always have annual fee, no waiver | | <​del>​American Express</​del>​ | | Always have annual fee, no waiver |
 | Capital One Business | $500/$3k | Save for after Venture is done?? That'​ll work...\\want to keep quicksilver open | | Capital One Business | $500/$3k | Save for after Venture is done?? That'​ll work...\\want to keep quicksilver open |
 +| Bank of America Premium Rewards | **$500**/​50K + $200 unnecessary flight stuff, but annual fee of $100 | **Rejected July 2019** due to \\ Too many recent accounts \\ Limited deposit and/or investment balance |
  
 ==== List of Potentials ==== ==== List of Potentials ====
everyday/money/credit_cards.1559712326.txt.gz · Last modified: 2019/06/04 22:25 by admin