Agreed. Bank account and brokerage bonuses on there can be nice money makers. Move some money around and pick up hundreds or occasionally thousands of dollars.
I got this card on release day and see myself keeping it long term as long as the benefits stay the same. It pays for itself ($300 travel credit + $100 in points every year). Easy to redeem points to cover travel purchases (I’ve had shipping charges even be classified as travel for point redemption). There’s also a limited time $200 vacation rental credit your first year. Lowest credit limit they seem to give out is 20k. Really a no brainer card as long as you see yourself using the travel credits.
Capital One lounges are only in Texas at the moment. Priority Pass is so-so. It’s offered on most travel oriented cards but it seems their lounge offerings have been getting cut back as time goes on.
I’m happy with my amex gold. Got my bonus points and I purchase groceries with it for 4x points back. Just waiting for an airline transfer bonus to happen again. Will take the family to Europe with the points. Should be able to every year or other year. I use the Uber and dining perk every month to recoup my annual fee. No travel cards yet. Don’t travel enough and don’t have a preferred airline.
Depends on card issuer. AMEX cut all the Priority Pass restaurant benefits whereas Chase Priority Pass still has PP benefits at certain restaurants.
I remember Amazon payments
You were able to send money to each other unlimited! With no fee cc to cc
Who remembers 
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I thought the points were only applicable to the first-year anniversary. Are you sure you’ll receive this after the first year?
Capital One lounges are only in Texas at the moment. Priority Pass is so-so. It’s offered on most travel oriented cards but it seems their lounge offerings have been getting cut back as time goes on.
Thanks for this. Well, I am going through some financial things at the moment. I think I should get this card in 6-7 months. Hopefully, they would still have some of these bonuses by then.
Looks like it. The card landing page lists “Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.” The only thing that is limited to the first year is the $200 vacation rental credit.
I consider the chance to use a Priority Pass lounge to be a lucky accident.
Priority Pass is great if there’s a lounge in your home or other frequently-used airport, in the terminal/concourse where you normally depart (I normally won’t take trains, buses, miles of moving walkways, etc. to use a lounge before or in between flights).
2021 Summary:
Total Departures: 79
17 from San Diego**
16 from Columbus (Ohio)
13 from Dallas (DFW)
11 from Chicago (ORD)
10 from Phoenix
5 from Charlotte
3 from Sioux Falls
1 from Charleston
1 from Dubuque
1 from St. Louis
1 from Anchorage
I had to cancel my last trip of the year. That would have added another San Diego, two Philadelphias and one Zurich departure. That may have added some viable opportunities).
Times Priority Pass was an option: 0 **
(there was both a Priority Pass lounge in my departure terminal/concourse AND I had enough time to use it. In most cases I used a convenient lounge in another network.)
This was a somewhat lighter travel year than normal, but even with more trips and a more diverse collection of airports, I rarely use my PP more than 2-3 times a year.
** The Airspace Lounge in San Diego recently joined the PP network. I already have two other ways to use that one (Amex Platinum, which also includes a $10 food and beverage credit per person per visit, and an Admirals Club membership).
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Best place to start is the Churning subReddit. Tons of resources and daily conversations about various points cards, cash back cards, and ‘which should I get’ scenarios.
Wife and I started churning cards for bonus points in 2019, with a focus on traveling freely and more luxuriously than we would be able to if we traveled with cash alone. Focused on Chase and Hyatt as the redemptions are much better and the Chase Ultimate Rewards are very flexible and valuable. Currently globalist and save around 13-15k in travel each year on the trips we take to all inclusive resorts and chique luxury spots in bigger cities. We had Southwest Companion pass due to us living near a hub and prefer non-stop flights over biz/first class if they include a stopover (longer travel time).
We each have 6-7 cards…about half have AF and half don’t. Never keep balance obviously, and both have credit scores of 830ish, high 700’s before we started this game.
Chase Sapphire Reserve is my primary, my wife has the Preferred as hers. Its fun if a significant other involved so you can refer to each other as well.
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I have Amex platinum the perks outweigh the fee for us but everyone is different. YMMV but for the first year with the welcome offer you can’t loose.
Clear $179 a year
TSA Pre or global entry around $100
Audible $15
Walmart + $10
$200 airline credit
$200 hotel credit
And of course the best access to lounges around the world.
Also no one has better customer service it is really exemplary.
If anyone is interested I can send a referral link that will give you 150K for spending $6K in 6 months. It is impossible to not make out for at least a year with this deal. PM me if you want a link.
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You forgot the Uber eats credits
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SFO on a Thursday afternoon 
The line was loooong….
Also, any Chase Sapphire Reserve holders have any luck getting a retention offer from Chase? That annual fee is steep
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I got an Amex Plat back in November. Had 120k SUB through Resy for 6k spend. I was thinking about the Venture X, but it looks quite a bit more restrictive with points usage. The plat is already looking promising, as I was able to use about $350 in perks in just that last month of the year. Plus two centurion lounge visits, which are quite nice.
I saw on the Amex reddit, someone was able to put there Mercedes lease payment on the Plat for 10x points. I need to look into that, as I heard it was under the small business/shop promo.
My daily driver for regular purchases is the Fidelity Visa for 2% back on everything.
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I guess cc hacking will be the new thing to learn and churning. 
Can you pay the DAS on a cc? I usually pay in cash. Any banks/lenders let you use the cc for the lease payments?
Dealers have let me put between 2500 and 5000 on the DAS at lease inception.
BMW takes lease payments with debit cards. Use a debit card that earns points if you can find one (PPDMC was one I had) or do this:
- Wait for staples or Office Depot to have a sale on gift cards. Usually you can get up to 1000-2000 in visa or mc cards and pay no fee or even pay less than face value.
- Check out with an Ink card which gets you 5x
- Link the Ink to Dosh which often gets you 2% cash back (max $10 per day)
- Use the debit cards to pay (I over pay) the lease
You will have earned 5x plus a few $ for paying your lease (if you terminate the lease early it will just come off of your buyout)
I would guess other captives let you pay with debit also
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That’s a pretty good hack! I had to read it a couple of times to understand what you were doing. I’m a little slow on Saturday mornings…
When I got my Tundra lease through Jim on here I paid 3500 of my $5k MSD’s with my Chase Sapphire Reserve to hit my first SUB. And that amount was refunded when I sold it last month.
Just got the Venture X card and so far very happy. The Dallas Capital One lounge is extremely nice and the points accumulate as charged instead of waiting for the monthly bill. Wife already applied for Global Entry… really can’t beat it if you travel more than once or twice a year.
How are there foreign transaction fees, etc? Annual fee?
No one has mentioned the best perk of Amex Plat/Centurion: the International Airline Program. Our family saves at least a thousand dollars per international vacation on flights.