Sorry Starbucks, I Love You But I’m Not Going To Sign Up For Your Credit Card

In February 2018, Starbucks and Chase launched the Starbucks Rewards™ Visa® Card. This credit card links directly to your Starbucks Rewards account and lets your earn stars for your purchases.

Starbucks Visa

Starbucks keeps emailing me offers to get this card. I’m sure if you’re a Starbucks Rewards member, you’ve also received these messages more than a few times. If you are a regular visitor to Starbucks, it may seem to make perfect sense to get this card. You drink their coffee anyway, why not earn free drinks for your everyday spending, right?

I’m a self-admitted Starbucks-a-holic. Every morning shift I work, I’ll stop by for an Iced Coffee with Sugar Free Vanilla Syrup (no classic) and 2% milk. I was quite proud when the baristas at my regular store would make my coffee for me without having to order. They even wished me good bye on my last visit when I was transferred to a new work location and wouldn’t be a regular at their store anymore. It was an appropriate farewell, a note on my coffee and a Starbucks gift card. 🙂

So I’m the target audience for the Starbucks Rewards Visa card then, right? The problem is that before I’m going to apply for any card, I’m going to do the math and see exactly what it offers.  Continue reading “Sorry Starbucks, I Love You But I’m Not Going To Sign Up For Your Credit Card”

Advertisements

Is Chase Giving Better Rewards To Less Expensive Cards?

I use shopping portals to get miles for things I’d be buying anyway. Portals are websites that you click through to get to other websites. When shopping through a portal, you can get different types of bonuses. There are cash back portals, like Ebates, which pay you a percentage of your purchase, whereas airlines and hotels run portals that pay you back in miles or points in their respective programs. Credit cards also have shopping portals, where you can earn points in the corresponding rewards programs like Chase Ultimate Rewards.

sapphire_reserve_card
I love earning Ultimate Rewards points that are worth at least 1.5 cents each for things I’m buying anyway

There are dozens of these portals out there so I like to check several of them before making any purchase online. My current favorite site to check the current payout rates is Cashback Monitor. This website keeps up to date listings of the amount that each shopping portal will pay for a specific website.

Anyway, I wanted to purchase a deal I saw on Groupon. I know there are usually great deals for purchases with Groupon on varying shopping portals and was happy to see that Chase had a great payout…

Continue reading “Is Chase Giving Better Rewards To Less Expensive Cards?”

Easy Way To Earn 1000 Bonus Ultimate Rewards Points (If You’re Lucky)

If you are lucky enough to be targeted for this offer and can take advantage of it, you’ll earn an easy 1,000 Ultimate Rewards points.

Last week, many Chase cardholders were reporting that they received an email offering 1,000 bonus points after making five payments with Apple Pay. So if you received one of these emails AND have an iPhone (or Apple Watch), it would only take five payments (of any value) in April to earn the points. You don’t even have to sign up for the offer; it’s automatically active for those who were targeted.

SO CHECK YOUR EMAIL!!!!!!! Continue reading “Easy Way To Earn 1000 Bonus Ultimate Rewards Points (If You’re Lucky)”

Why You Need To Diversify Your Miles and Points Portfolio

As you may have read, we had a blowout trip through the American Southwest this fall. For us, a fifteen night trip is an amazingly long time to be away from home. We could have stayed at the same hotel chain’s properties and worked our way towards some low level of status. However, it was much better for us to pick the best hotel for us in each location and use the most sensible form of payment, be it paying cash or using points. The same thing went for the flights which were booked with a combination of cash and airline miles.

15542198496_aba1754427_b

This was possible because I had a stash of points in several hotel programs as well as having transferrable credit card points. Some of the rooms I paid for because the hotels either weren’t part of any point program or there was a promotion that made paying a much better value than using points.

Continue reading “Why You Need To Diversify Your Miles and Points Portfolio”

Credit Card Review: Chase Sapphire Preferred

For a while, the Chase Sapphire Preferred was the darling of the miles and points blog universe. It earned valuable Ultimate Rewards points with bonus points for spending on travel and dining expenses. Those points could then be transferred to partners like Hyatt and United. What happened that forced the Sapphire Preferred into the back seat? The introduction of the Sapphire Reserve, that’s what happened. With a big brother that gave a larger bonus for spending in the same categories and more perks, the Sapphire Preferred fell into obscurity. Is it still worth it to carry the Preferred in your wallet? Lets find out… Continue reading “Credit Card Review: Chase Sapphire Preferred”

Earn up to 4x Chase Ultimate Rewards at Disney Theme Parks

Visiting a Disney theme park is expensive. There aren’t many discounts available so you want to try to maximize the amount of points you get back on the money you’re going to be spending anyway. I was at Disneyland yesterday and was reminded of an easy way to get extra points. I’m really mad at myself that I didn’t think of it right away.

Continue reading “Earn up to 4x Chase Ultimate Rewards at Disney Theme Parks”