What Credit Card rewards do you get for paying your maintenance fees?

[r4rab]

So you dropped the Reserve and were then able to get the Preferred and the bonus? We have the Reserve; it’s in DH’s name and we just dropped me as an authorized user to save that fee. I wonder whether they’d give me the Preferred and the bonus if I applied.

We have the Reserve. My wife is still an authorized user. She just got the Preferred and we are working towards the bonus (100K points) on her card.

 

[jwalk03]

So you dropped the Reserve and were then able to get the Preferred and the bonus? We have the Reserve; it’s in DH’s name and we just dropped me as an authorized user to save that fee. I wonder whether they’d give me the Preferred and the bonus if I applied.

Yes- you can definitely apply and qualify for the bonus on the Preferred card.

 

[paxsarah]

So you dropped the Reserve and were then able to get the Preferred and the bonus? We have the Reserve; it’s in DH’s name and we just dropped me as an authorized user to save that fee. I wonder whether they’d give me the Preferred and the bonus if I applied.

Yes, I dropped the Reserve, waited until after my next statement closed to be on the safe side, and then applied and was approved for the Preferred. (The bonus is listed as a benefit but we haven't finished the 3 months spend yet to receive it. It's been over 48 months since my Reserve bonus was earned.) I would guess that especially since you're no longer an authorized user on the other one, you should be able to get the Preferred with the bonus.

 

[r4rab]

And then you transfer the 100K points to the Reserve account holder...

 

[90_Min_Sales_Pitch]

Here it goes, reviving an old thread. Some excellent suggestions here, such as the CSR and CSP, as well as the BofA Premium and Customized Cash cards. If you bank at Huntington or US Bank, there are a couple cards that offer 4% cash back on travel. The Citi Custom Cash offers 5% on a variety of categories, including travel, limited to $500 in the top category of spend per month.

And for Wyndham:

Wyndham Earner = 2X on MF
Wyndham Earner+ = 4X on MF
Wyndham Business = ? (No multiplier listed in the terms and conditions, so I guess 1X)

 

[cbyrne1174]

Here it goes, reviving an old thread. Some excellent suggestions here, such as the CSR and CSP, as well as the BofA Premium and Customized Cash cards. If you bank at Huntington or US Bank, there are a couple cards that offer 4% cash back on travel. The Citi Custom Cash offers 5% on a variety of categories, including travel, limited to $500 in the top category of spend per month.

And for Wyndham:

Wyndham Earner = 2X on MF
Wyndham Earner+ = 4X on MF
Wyndham Business = ? (No multiplier listed in the terms and conditions, so I guess 1X)

I tried using the citi custom cash for my MF and it doesn’t count as travel.

 

[chapjim]

I'm not very creative but I'm loyal as can be. I've been a member of Navy Federal Credit Union since 1974 and use their MasterCard for recurring payments like maintenance fees, insurance bills, etc., and their VISA card for other purchases. I don't know what the cash back is but every now and then, when I've accrued enough points, I get a $500 VISA card and send it to one of my kids (kids are in their 40s).

I don't shop around for better rates because most likely, a better rate would mean less convenience. NFCU is one of the great financial institutions in the country,.

 

[Eric B]

I'm not very creative but I'm loyal as can be. I've been a member of Navy Federal Credit Union since 1974 and use their MasterCard for recurring payments like maintenance fees, insurance bills, etc., and their VISA card for other purchases. I don't know what the cash back is but every now and then, when I've accrued enough points, I get a $500 VISA card and send it to one of my kids (kids are in their 40s).

I don't shop around for better rates because most likely, a better rate would mean less convenience. NFCU is one of the great financial institutions in the country,.

Well, you've got me beat by 7 years - I've only been a member for 41 years....

 

[chapjim]

Well, you've got me beat by 7 years - I've only been a member for 41 years....

I opened a North Island FCU account in 1968. My first ship was homeported at NAS North Island in Coronado. Changed to NFCU in 1974 because is was way more convenient than NICFU.

 

[Eric B]

I opened a North Island FCU account in 1968. My first ship was homeported at NAS North Island in Coronado. Changed to NFCU in 1974 because is was way more convenient than NICFU.

Thank you for your service! Even though it was on a target instead of a boat….

 

[WManning]

No it is very flexible and can be used for a number of different strategies. I use it to pay my MFs (and also travel and dining) which give me 3X points, and with the 50% bonus to book travel (or right now dining or groceries) I get back 4.5% which is definitely one of the better reimbursements around.

You can also get cash back, use points to pay credit card, 100,000 points will also get you $1250 in travel if booked on Chase site or transfer to Southwest or United 1:1. I like the use of it on rental cars where it is primary for insurance.

 

[90_Min_Sales_Pitch]

I tried using the citi custom cash for my MF and it doesn’t count as travel.

Interesting. I wonder if it codes as something travel related by other cards?

I'm not very creative but I'm loyal as can be. I've been a member of Navy Federal Credit Union since 1974 and use their MasterCard for recurring payments like maintenance fees, insurance bills, etc., and their VISA card for other purchases. I don't know what the cash back is but every now and then, when I've accrued enough points, I get a $500 VISA card and send it to one of my kids (kids are in their 40s).

I don't shop around for better rates because most likely, a better rate would mean less convenience. NFCU is one of the great financial institutions in the country,.

You are certainly not wrong. Warren Buffet has used the American Express Green card for decades. It would be a distraction, and cost him money, to focus on multiple cards. For me, it is just a game that is enjoyable to play.

You can also get cash back, use points to pay credit card, 100,000 points will also get you $1250 in travel if booked on Chase site or transfer to Southwest or United 1:1. I like the use of it on rental cars where it is primary for insurance.

We've been more loyal to American Express, but I am considering the new Ink Premier card from Chase. Capital One Venture X and Spark Business also have primary insurance. This perk is underrated IMO, especially for those of us who fly in to rent a car, even if only once a year.

 

[chapjim]

Thank you for your service! Even though it was on a target instead of a boat….

And thank you for yours and I'm happy for you that nobody left any doors open.

 

[cbyrne1174]

Interesting. I wonder if it codes as something travel related by other cards?



You are certainly not wrong. Warren Buffet has used the American Express Green card for decades. It would be a distraction, and cost him money, to focus on multiple cards. For me, it is just a game that is enjoyable to play.



We've been more loyal to American Express, but I am considering the new Ink Premier card from Chase. Capital One Venture X and Spark Business also have primary insurance. This perk is underrated IMO, especially for those of us who fly in to rent a car, even if only once a year.

Timeshares are excluded from the travel category for the custom cash card. I use my citi double cash for maintenance fees, and my custom cash/Walmart card for groceries. Both give me 5% back on my food, but the Walmart one only works if you do grocery pickup.

 

[r4rab]

My time share MFs earn 3x points on my CSR and are flagged as travel-related.

 

[OutSkiing]

I use the Barclays Wyndham Rewards Earners card without the $75 fee to pay maintenence fees. Being a platinum card owner gets 20% bonus points earned and also 20% discounts .. on reservations made with WR points. We make good use of this for overnight stays on driving trips and for occational Wyndham Grand type stays.

Also, if you sit through a Wyndham sales update you can get up to 25,000 WR points which can add quite a lot.

Bob

 

[HitchHiker71]

I use the Barclays Wyndham Rewards Earners card without the $75 fee to pay maintenence fees. Being a platinum card owner gets 20% bonus points earned and also 20% discounts .. on reservations made with WR points. We make good use of this for overnight stays on driving trips and for occational Wyndham Grand type stays.

Also, if you sit through a Wyndham sales update you can get up to 25,000 WR points which can add quite a lot.

Bob

I routinely get 45-60k WR points for attending sales updates. 25k is low - the lowest I've ever received is 30k WR points. Sometimes I'll take 15-20k WR if I'm also getting a gift card or another perk. Hold out for more WR points - they will almost always give you more than 30k if you hold out especially if this is the only perk you're asking for to attend a sales update.

 

[90_Min_Sales_Pitch]

Here it goes, reviving an old thread. Some excellent suggestions here, such as the CSR and CSP, as well as the BofA Premium and Customized Cash cards. If you bank at Huntington or US Bank, there are a couple cards that offer 4% cash back on travel. The Citi Custom Cash offers 5% on a variety of categories, including travel, limited to $500 in the top category of spend per month.

And for Wyndham:

Wyndham Earner = 2X on MF
Wyndham Earner+ = 4X on MF
Wyndham Business = ? (No multiplier listed in the terms and conditions, so I guess 1X)

I tested the Wyndham Business Credit Card, it earns nothing on maintenance fees. We've set the Wyndham Earner+ for automatic payments.

 

[weemoeway]

I am thinking about finally getting Earner, or Earner+. There is actually a button option in Barclays to initiate the upgrade to Earner. Additionally, a similar upgrade to + is offered in the main menu, Offers section. I am wondering if it's safer to apply for a new Earner card (I believe I can specify to tie in my current WR Member account), then cancel the old card, instead of doing the upgrade, as I am looking for a seamless transition.

Earner is auto Gold and I am currently Platinum. Is it wrong to think there is a possibility they could botch up my status?

Also, there is the message that gives me additional possible concern:

When you update your account to the Wyndham Rewards Earner® Card, you will no longer be eligible to receive earn benefits associated with your current Wyndham Account.

I am still in no big hurry to get Earner or +. I actually have 2 Wyndham CCs, as one gets 3pts for timeshare MF. Neither Earner cards seem to match that. The other card is the one I would swap for Earner. I have no particular need to keep that CC#, as it isn't my oldest.

Ultimately I want to wait until I will likely be able to easily do the "spend $1000 in 90 days for x bonus points."

 

[90_Min_Sales_Pitch]

I am thinking about finally getting Earner, or Earner+. There is actually a button option in Barclays to initiate the upgrade to Earner. Additionally, a similar upgrade to + is offered in the main menu, Offers section. I am wondering if it's safer to apply for a new Earner card (I believe I can specify to tie in my current WR Member account), then cancel the old card, instead of doing the upgrade, as I am looking for a seamless transition.

Earner is auto Gold and I am currently Platinum. Is it wrong to think there is a possibility they could botch up my status?

Also, there is the message that gives me additional possible concern:

When you update your account to the Wyndham Rewards Earner® Card, you will no longer be eligible to receive earn benefits associated with your current Wyndham Account.

I am still in no big hurry to get Earner or +. I actually have 2 Wyndham CCs, as one gets 3pts for timeshare MF. Neither Earner cards seem to match that. The other card is the one I would swap for Earner. I have no particular need to keep that CC#, as it isn't my oldest.

Ultimately I want to wait until I will likely be able to easily do the "spend $1000 in 90 days for x bonus points."

I upgraded from the old Wyndham Card to Earner+, and had not hiccups with my existing Wyndham Account. Maybe they're referring to benefits from your old card? Earner+ gets 4pts for timeshare MF, where Earner gets 3. These cards will not downgrade your status if you've exceeded what they offer automatically.

 

[weemoeway]

I upgraded from the old Wyndham Card to Earner+, and had not hiccups with my existing Wyndham Account. Maybe they're referring to benefits from your old card? Earner+ gets 4pts for timeshare MF, where Earner gets 3. These cards will not downgrade your status if you've exceeded what they offer automatically.

I am happy to hear that. It makes me feel better.

I just now looked at the T&C for both, and regular Earner seems to be 2pts for MF right now. Plus does show 4pts. I didn't notice that before, as it didn't show on the brief comparison page.

Since I am leaning towards Plus, I suppose I will be able to actually consolidate into one card!

 

[Jan M.]

We're still using our Costco Visa for our maintenance fees and I'm trying to figure out if there's a different card we'd be better off using. I'm more interested in the cash back. We stay in hotels so seldom that getting reward points isn't a big consideration.

I've heard that the Chase Sapphire card is the best one to have. How does it compare to this Wyndham card? Is there another card that's better than either?

 

[90_Min_Sales_Pitch]

We're still using our Costco Visa for our maintenance fees and I'm trying to figure out if there's a different card we'd be better off using. I'm more interested in the cash back. We stay in hotels so seldom that getting reward points isn't a big consideration.

I've heard that the Chase Sapphire card is the best one to have. How does it compare to this Wyndham card? Is there another card that's better than either?

Honestly, Costco is a decent card for travel at 3%. It can be difficult to jump up to 4% without bank loyalty and/or an annual fee. The Chase Sapphire Preferred is a great card, but not the strongest for travel expense. I would only recommend the Wyndham Card in your case, unless you wanted to redeem at Wyndham timeshare locations, which can be limited. Since we've only got a couple small contracts, this is still useful for us, such as 3 nights in August in Kauai, and 4 nights in September in Scottsdale.

 

[weemoeway]

I am happy to hear that. It makes me feel better.

I just now looked at the T&C for both, and regular Earner seems to be 2pts for MF right now. Plus does show 4pts. I didn't notice that before, as it didn't show on the brief comparison page.

Since I am leaning towards Plus, I suppose I will be able to actually consolidate into one card!

Just to beat a dead horse...

I was about to do the Earner+ upgrade, but noticed the bonus offer to get 60k WR points after spending $1,000 in the first 90 days is only available if I open a new card. A call to someone in the Philippines confirmed my suspicion.

I think the main downside to Earner/+ is that neither gives 2pts for all other spend. I noticed one of my other WR cards does, so it looks like I will end up keeping that one.

 

[HitchHiker71]

Just to beat a dead horse...

I was about to do the Earner+ upgrade, but noticed the bonus offer to get 60k WR points after spending $1,000 in the first 90 days is only available if I open a new card. A call to someone in the Philippines confirmed my suspicion.

I think the main downside to Earner/+ is that neither gives 2pts for all other spend. I noticed one of my other WR cards does, so it looks like I will end up keeping that one.

You can simply apply for the new Wyndham affinity card on the website as opposed to converting your existing card - then cancel your existing legacy Wyndham affinity card once you get everything moved to the new Earners+ card - this way you are creating a net new credit card account and will receive the 60k WR points after spending $1000 within 90 days.