I love credit cards so much!

[Ngwira]

One thing to be aware about with Wyndham, though, is that there are not too many ways to earn points if you don't have the credit card. So, 27,000 points is good, but anything that doesn't divide by 15,000 means you're going to either need to do something to get some more points (like use a portal) or you'll end up making a sub-optimal redemption. Your 12,000 left over points are not worth very much if you don't have a cost-effective way to accumulate another 3,000 in the future. For that reason, I would give some thought to doing a second mattress run for an additional 7,500 points to get you over the 30,000 barrier. Is 7,500 points worth a $60 mattress run? You can't really look at Wyndham (unless you have the credit card or plan to stay at Wyndhams frequently) like other points where you figure out a points per cent acquisition cost, because the simple fact is that the incremental value of 1,000 points depends on how many you already have. If you have 1,000 points, an additional 1,000 is not worth much, but if you have 14,000 points, then 1,000 points is very valuable.

Wyndham has a points plus cash option called "go fast" where you can redeem as little as 3,000 points plus cash for a stay. For example, I looked up the Wyndham garden lake buena vista for October dates and it's 3,000 points plus $65 a night. So my 27,000 points can get me one free night at bonnet creek(15,000) plus 4 nights at Wyndham lake buena vista if I added cash(12,000 points).

I also saw availability for Wyndham grand bonnet creek resort which is 3,000 points plus $150 cash per night. So a 5 night stay would be $600 total plus 27,000 points. Not bad. If you were to stay Christmas week when rates are $400 a night this represents great value.

 

[Ngwira]

I'm keeping my PRG. While I rotate around on other cards to hit minimum spend, I always go back to the PRG as my ride or die. It has the best earning for me and all my bills go to it as well. For an effective $95 fee, I feel it's a no brainer.

Csr is my ride or die as I value UR over MR.

 

[Lain]

Csr is my ride or die as I value UR over MR.

Usually, I'd agree with you, but I was looking at the pending points on my CSR this month and it's been severely neglected in favor of the Freedom (5x dining), CIP (telecom and other charges that code as 3x on Plastiq), and my Amex cards for just about everything else.

 

[CyndiLouWho]

Usually, I'd agree with you, but I was looking at the pending points on my CSR this month and it's been severely neglected in favor of the Freedom (5x dining), CIP (telecom and other charges that code as 3x on Plastiq), and my Amex cards for just about everything else.

Yet those points earned elsewhere go farther when redeemed thru CSR portal. I just downgraded my CSP to Freedom, so we'll see how much we can accrue. We will not be able to max out categories, but hoping to add to our UR points

 

[Lain]

Yet those points earned elsewhere go farther when redeemed thru CSR portal. I just downgraded my CSP to Freedom, so we'll see how much we can accrue. We will not be able to max out categories, but hoping to add to our UR points

Agreed. I'll never part with the CSR so long as I can redeem UR points earned across Chase cards through it at 1.5x.

 

[lark]

Wyndham has a points plus cash option called "go fast" where you can redeem as little as 3,000 points plus cash for a stay. For example, I looked up the Wyndham garden lake buena vista for October dates and it's 3,000 points plus $65 a night. So my 13,00 extra points can get me one free night at bonnet creek plus 4 nights at Wyndham lake buena vista if I added cash.

I also saw availability for Wyndham grand bonnet creek resort which is 3,000 points plus $150 cash per night. So a 5 night stay would be $600 total plus 27,000 points. Not bad. If you were to stay Christmas week when rates are $400 a night this represents great value.

Oh! Good addition. That is important. I didn't know about it. Sorry to have given misinformation.

 

[jhoannam]

Thanks everyone for all the awesome information. Just earned the SW CP. We already have 2 trips planned for this year! Thanks everyone for all their help!

 

[lark]

Small FYI. I product changed Fairmont to freedom. I have not received my Freedom yet, but after registering for this quarter's 5x, I used the Fairmont card at a restaurant and received the 5x. So you don't need to wait to get the physical card.

 

[belle1986]

Possible silly question.
If minimum spend is met today, statement closes 8/24 but I don't pay off the balance til the due date will the bonus points post this billing cycle? Or do I need to pay it off today as well?

 

[Lain]

Possible silly question.
If minimum spend is met today, statement closes 8/24 but I don't pay off the balance til the due date will the bonus points post this billing cycle? Or do I need to pay it off today as well?

Is this a Chase card? If so, your pending points will post when your statement closes; no you don't have to pay the statement until its due date.

 

[belle1986]

Is this a Chase card? If so, your pending points will post when your statement closes; no you don't have to pay the statement until its due date.

Yes! It's the Ink business. Thank you For some reason I was thinking they would want their money before they gave me the points. Lol

 

[peel]

Yes! It's the Ink business. Thank you For some reason I was thinking they would want their money before they gave me the points. Lol

They don't want your money, they want to charge you heaps of interest!

 

[gottalovepluto]

Possible silly question.
If minimum spend is met today, statement closes 8/24 but I don't pay off the balance til the due date will the bonus points post this billing cycle? Or do I need to pay it off today as well?

ETA: your q was answered already The points could go either way at this point, they might post after Aug's stmt closes, they might post after Sept's stmt closes. For sure it has nothing to do with when you pay it off.

 

[belle1986]

They don't want your money, they want to charge you heaps of interest!

Haha! You're probably right. Too bad for them.

 

[gottalovepluto]

Chase CSP UR Bonus DP: met spend 8/10, unfortunately stmt closed right after, 50K bonus points pending in account 8/18. Looks to take 8 days. Too bad I won't actually get them until my next statement closes!

 

[Albort]

Possible silly question.
If minimum spend is met today, statement closes 8/24 but I don't pay off the balance til the due date will the bonus points post this billing cycle? Or do I need to pay it off today as well?

you should see your signup bonus on the UR portal going to post.

 

[belle1986]

you should see your signup bonus on the UR portal going to post.

Oh! I didn't even think of that. Off to look.

 

[WDWRook]

Anyone have issues with CSP points? I noticed that my new CSP was only giving 1 point per dollar for dinning. I sent a SM to Chase and they responded saying "we reviewed your charges and they are all posted correction. You only receive 2 points for sit down dinning, not take out." Did I miss that rule somewhere? I plan to ask for further review as some of these were sit down dinning. Not major dinner places, but a diner, a cafe, Panera, etc. My CSR always posts as 3 points at the same locations.

 

[Budzooka]

Anyone have issues with CSP points? I noticed that my new CSP was only giving 1 point per dollar for dinning. I sent a SM to Chase and they responded saying "we reviewed your charges and they are all posted correction. You only receive 2 points for sit down dinning, not take out." Did I miss that rule somewhere? I plan to ask for further review as some of these were sit down dinning. Not major dinner places, but a diner, a cafe, Panera, etc. My CSR always posts as 3 points at the same locations.

I have been receiving 2 points for dining, regardless of sit down or take out. I've had all sorts of different restaurants and always received 2 points for each.

 

[belle1986]

I have been receiving 2 points for dining, regardless of sit down or take out. I've had all sorts of different restaurants and always received 2 points for each.

Same here. Fast food to sit down I've gotten 2x on them all.