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I miss Delta. Anyone racking up the MQMs?
Sunday night to LGA, flying by Philly
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So I just recently passed my CPA exams and I’m now looking for new opportunities. I’m hoping to work at a big 4 firm in tax and possibly connect with anyone working there right now. Please reach out to me, I would look forward to connecting and learning more about potential opportunities. Thanks!EY PwC Deloitte KPMG
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Hope each of you have a blessed weekend.
Who should get my loyalty? United or American?
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Does CSR earn 3x points at bars on drinks?
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Depends on how you hope to redeem your rewards and how intent you are on maximizing the value you get from your points.
I’m all for team generalize. Sure, you can get insane ROI on hotel/airline points and you’ll accrue more of those points with a branded card. Personally, I’d rather use CSR’s pay yourself back and effectively get a consistent ~4.5% back in statement credits per dollar spent.
It’s effectively a 1 point = $.01 redemption towards a statement credit. Points are worth 50% more right now though when credited towards certain transaction types (i.e. restaurants, Airbnb). That’s what makes it worth it to me.
So if I spend $1000 on a flight, I get 3000 points (3x pts on travel). $30 of statement credit when redeemed towards non bonus categories, but $45 when redeemed towards dining or Airbnb, etc
Rising Star
If you're new, I recommend picking a card like Venture X. If you are absolutely loyal a certain brand (e.g. Hilton, Delta, etc.) then a branded credit carday also be a good choice.
Compare the dollar value of the earnings you make with each card per dollar that you spend. All points systems have a general dollar value equivalent you can find online to compare apples to apples. I love the Citi double cash back card as I get 2% cash back on everything I buy. You can probably find better, but I've had this for years and don't plan to switch anytime soon.
Rising Star
Personally, I'd rather have airline miles than cash, but some people value miles less than 1 cent each. If you prefer to fly economy, redeeming miles for airline tickets is usually not a good value and taking cash is often a better overall option.
Depends on your goals as others have said. If you want to maximize cash, there are cards best for that. If you want to travel and maximize value there, there are cards best for that. On that path, it also depends on how you (want to) travel (for work and pleasure).
For instance, I’m all in on the Chase to Hyatt life. I have optimized for achieving Hyatt Globalist and maximizing Chase and Hyatt points and almost always transfer Chase UR to Hyatt. So for me this means, Chase Sapphire Reserve/Preferred, Chase Hyatt, Chase Hyatt Business, Chase Freedom, and Chase Freedom Unlimited. I’ll opportunistically sign up for those and other cards for great sign up bonuses (even outside this ecosystem), but am very mindful of Chase rules (like 5/24) in so doing.
Awesome. Hyatt gives some of the best bang for your (points) buck but doesn’t have the footprint of larger brands (Marriott Bonvoy). But I’ve stayed at hotels that go for $2k/night for 30k Hyatt pts/night and then get upgraded to a suite (Globalist) with free breakfast at a very nice restaurant (Globalist) and parking (Globalist on award night). So there’s a question of convenience/flex of having lots of properties to choose from vs value per point.
Combination of both. I have CSP, venture x, and Amex and a couple of hotel cards