famy27
TUG Member
So, we got three times the points for our MFs. We're probably going to add on some direct points at CCV. If we throw it on our Sapphire (would pay it off right away), will we get three time the points on the whole purchase?
A woman after my own heart. I have a spreadsheet of our different credit cards and how each benefits us and which stores to use them.I was reading the disboards thread called “I Love Credit Cards So Much” and calypso726 says DVC purchases do get the CSR three times rewards Ultimate Rewards points. She also does an interesting breakdown of different reward cards for DVC annual dues
That is a different card. There are two different cards: Sapphire Preferred and Sapphire Reserve. The latter is the one you should get.I just looked at chase sapphire on chase website. It says 2% on travel and dining. What am I missing? I don’t see 3%.
Please help
Thanks,
Dee
That is a different card. There are two different cards: Sapphire Preferred and Sapphire Reserve. The latter is the one you should get.
You get $300 back when you book travel with the card. You also get Priority Pass Select membership, which is a lounge benefit that has saved us immensely. You get Global Entry every five years, too. I also benefit greatly from the car rental insurance benefit.Thank you. I just looked at it. I think I do better with my Chase Disney Visa. It’s 2% on dining, Disney charges, gas, groceries, etc. Annual fee is $49. Discounts and limited time savings specials with DVC travel probably cover that fee each year on average. The reserve sapphire has a $450 annual fee plus $75 for my husband as another authorized user. I’d have to deduct that $525 from the amount I get back to pay MF. So for me, it doesn’t work.
But thanks for the info.
Dee
You get $300 back when you book travel with the card. You also get Priority Pass Select membership, which is a lounge benefit that has saved us immensely. You get Global Entry every five years, too. I also benefit greatly from the car rental insurance benefit.
Rick and I each have the cards, but we pay tens of thousands of dollars in maintenance fees each year. Disney fees count as 3X. I have 500 Disney points, and about $3,000 in MF's. That's 9,000 points. After you pay those fees, you get $300 back with that card.
When you book travel through the Ultimate Rewards Portal, you save on that travel. You get 1.5X. So 100K points (our spend is quite a bit higher than that each year) nets you $1,500 in free travel. So a hotel room that costs $180 will be 12,000 points. The Swan and Dolphin cost about that much in cash, so 12,000 points is all you pay. It's a great card. I am seriously hooked.
Who says you cannot have two cards, anyway? I need a credit card that gets 2X on groceries. I will look into the Disney for us. I just have quite a few cards currently. It can be overwhelming for those one doesn't use, just in keeping up with the fees each month. But all of my cards have some benefit for the fees. IHG, free hotel night; Club Carlson, 40K in points (works out to one night each year); Hyatt, one free night (my personal favorite). Then there are the SW cards, which get additional points each year with renewal. Those more than cover the annual fee.
100% agree. The Sapphire Reserve is the BEST card I've ever had. We got the 100,000 mile signup. We still have about 60,000 miles left. And in the about two years that we've had the card we've stayed in at least a dozen hotel rooms just on points (and our spending is nowhere near yours). And you can transfer the points to a number of other programs for even better redemptions. We just spend the weekend in Chicago at a Hyatt. It would have been $350-400 per night to stay on cash (or about 50,000 points through the Sapphire portal). We only used 24,000 points for the stay by transferring points to World of Hyatt. If you work the system, you can really maximize the system. There are even ways you can use miles to do Hawaii for 30,000 points per person roundtrip.
As mentioned, it says $450, but you get $300 back immediately. So, it's really only a $150 annual fee. And for us, it's 100% worth it. For us, we can't get the Disney card to do what the Sapphire will do. Everyone that I've referred to Sapphire Reserve has been thrilled with the card.
Good for you! Wow! That is my goal for some of those points. This is my plan for a future trip, at least a year out. We have never been to Europe. I am so looking forward to savings like that. We have 1.4 million points currently. I could be using some of those.Another huge sapphire reserve fan. I just booked delta one sea to cdg for 50k points via virgin atlantic. $11000 seat
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Good for you! Wow! That is my goal for some of those points. This is my plan for a future trip, at least a year out. We have never been to Europe. I am so looking forward to savings like that. We have 1.4 million points currently. I could be using some of those.
Wyndham MF gets 3x.
What I need is a credit card that gets 3% on grocery store purchases, but of course now King Soopers may stop taking Visa.