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DVC Purchase-Chase Sapphire Ultimate Rewards

Discussion in 'Disney Vacation Club - DVC' started by famy27, Jul 30, 2018.

  1. famy27

    famy27 TUG Member

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    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?
     
  2. littlestar

    littlestar TUG Member

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    I would like to know this, too. When we did a small DVC add-on a few years ago we used a Disney Chase VISA and got six months 0 interest before we paid the points off.
     
  3. bendadin

    bendadin TUG Member

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    GLV
    We used our Disney Chase as well and also got the 2% back in Disney Rewards.
     
  4. littlestar

    littlestar TUG Member

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    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
     
    famy27 likes this.
  5. rickandcindy23

    rickandcindy23 TUG Review Crew: Expert TUG Member

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    Wyndham Plat,RCI pts,Shell,WorldMark,OKW,SSR pts; Marriott's Willow Ridge;Val Chatelle; Hono Koa; SBP; Blue Ridge Village.
    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.

    Rick struggles with the fuel points at 4X on gift cards at King Soopers because he likes getting $35 off on gas. If you spend $250 on gift cards during 4X deals, you get $1.00 off up to 35 gallons.

    What gift cards to buy? Our Chase Sapphire Reserve only gets 1X at the grocery store, but it gets 3X at restaurants. So I see no reason to buy restaurant gift cards at Kings. He says $35 off of gas is better than 3%, and you do still get 1% for the purchase at Kings.

    So we used to buy Disney gift cards to get the fuel points, but I have the 3% off on maintenance fees with the Chase Sapphire Reserve. I don't know if Disney AP's get 3X, but I know food at Disney does.

    What I need is a credit card that gets 3% on grocery store purchases, but of course now King Soopers may stop taking Visa.
     
  6. littlestar

    littlestar TUG Member

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    I have been using our Amex Blue Cash Everyday card (gives 3% back for grocery store purchases) to buy Disney Gift cards from our Meijer grocery store to renew our DVC annual passes. I buy the Disney gift cards when our local Meijer grocery store offers $5.00 in free groceries for every $50 in gift cards you buy up to $500 total. So the 3% and Meijer free groceries brings my gift card cost down to $435 for a $500 dollar gift card.

    I have been paying our DVC maintenance fees monthly from our checking account, but probably should consider paying them with a rewards card instead.
     
    Last edited: Aug 2, 2018
  7. DeeCee

    DeeCee TUG Member

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    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
     
  8. rickandcindy23

    rickandcindy23 TUG Review Crew: Expert TUG Member

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    That is a different card. There are two different cards: Sapphire Preferred and Sapphire Reserve. The latter is the one you should get.
     
  9. DeeCee

    DeeCee TUG Member

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    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
     
  10. rickandcindy23

    rickandcindy23 TUG Review Crew: Expert TUG Member

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    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.
     
  11. famy27

    famy27 TUG Member

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    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.
     
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  12. DeeCee

    DeeCee TUG Member

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    It does sound excellent for people who have as much travel time, expendable income and travel expenses as you do. We don't have as much timeshare ownership (a legacy week - cannot be enrolled but purchased resale at a savings of over $20,000 in a favorite destination and 400 DVC points) and no where near enough vacation time to use all the benefits and rewards points the card offers. We fly once or twice a year, and rarely farther than Florida and we don't really stay in paid for hotel rooms more than a long weekend a year. I'll look further into the card, but I don't think we'd use it enough (or can afford to) to get the most of the benefits.
    However, I greatly appreciate the info on it. Have a great day and fun in your travels!
    Dee
     
  13. QueenDoOver

    QueenDoOver TUG Member

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    Another huge sapphire reserve fan. I just booked delta one sea to cdg for 50k points via virgin atlantic. $11000 seat


    Sent from my iPhone using Tapatalk
     
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  14. rickandcindy23

    rickandcindy23 TUG Review Crew: Expert TUG Member

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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.
     
  15. littlestar

    littlestar TUG Member

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    We just signed up for the Citi Double Cash card that has no annual fee and gives you 2% on everything (1% when you buy and 1% when you pay your bill). There is a $150 bonus after you spend $500 on the card within 3 months. First time I have seen a bonus that high for the Citi double cash card.
     

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