Question
Within the past year I changed from a personal Citibank AAadvantage card to a Capital One business card with miles benefit. Over the year--and I put everything on that card--I received a $350.00 credit on a ticket from Boston to Houston. It's nice not to have to worry about buying award seats but would I be better off using a new card I just got, the Citi PremierPass Card? Has anyone had experience with either of these cards/rewards programs. Thanks
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Welcom to flyertalk.
If you search around, you'll find several good threads on the premierpass card already. In general, the rough consensus seems to be that the thankyou program is very good. In fact, so good that it might not last, but at least for the moment people are getting some very good deals. Here are a few places to look:
http://flyertalk.com/forum/showthread.php?t=529921
http://flyertalk.com/forum/showthread.php?t=390111
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Has anyone had experience with either of these cards/rewards programs. Thanks
no, none of us have ever heard of this Premier Pass...
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I'd give PremierPass a try - you would get much better redemption rates than Capital One. I'm not completally familiar with Capital One's Small Business rewards program, but I assume it has the same tiers as their personal cards. Looking at the cards, you earn 1 "mile" per $ spent.
I'm assuming it takes 35000 "miles" to get the $350 credit, as it does on the personal cards.
That $350 credit cost you $35000 in spending, but $25000 in straight spending on the PremierPass would have earned you the entire ticket for free. If you had enough flight points (take a look at the T&C or the other premierpass threads), it would have only cost you $12500 in spending.
Also, PremierPass allows you to cash out your points for a varity of other items the Thank You network offers.
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I'd give PremierPass a try - you would get much better redemption rates than Capital One. I'm not completally familiar with Capital One's Small Business rewards program, but I assume it has the same tiers as their personal cards. Looking at the cards, you earn 1 "mile" per $ spent.
I'm assuming it takes 35000 "miles" to get the $350 credit, as it does on the personal cards.
That $350 credit cost you $35000 in spending, but $25000 in straight spending on the PremierPass would have earned you the entire ticket for free. If you had enough flight points (take a look at the T&C or the other premierpass threads), it would have only cost you $12500 in spending.
Also, PremierPass allows you to cash out your points for a varity of other items the Thank You network offers.
And if you have choose premier pass elite ($75 annual fee) it would cost $6,250 in spending from gas/grocery/drug stores ($1:2 miles) + 12,500 flight points.
Finally with the Chairman card ($400 annual fee & lots of great benefits) would cost $4,167 in spending at grocery/drug/gas stores ($1:3 points) 12,500 flight points.
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Within the past year I changed from a personal Citibank AAadvantage card to a Capital One business card with miles benefit. Over the year--and I put everything on that card--I received a $350.00 credit on a ticket from Boston to Houston. It's nice not to have to worry about buying award seats but would I be better off using a new card I just got, the Citi PremierPass Card? Has anyone had experience with either of these cards/rewards programs. Thanks
Keep in mind that with a business card you lose some of the consumer protections that a normal personal credit card affords you.
For example, with consumer cards you can dispute billing errors on the account within certain time limits, and during that time the credit-card company cannot list that disputed amount as delinquent, or cancel the card. Not so with business credit cards.
http://www.smartmoney.com/consumer/index.cfm?story=smallbizcards
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Welcome to FlyerTalk! (from a fellow Cantabrigian)
Another nice feature of the Citibank ThankYou rewards program is that you can pool points from multiple credit cards and checking accounts together to get rewards even faster. Nice choices include the AT&T Universal Rewards card (5 pts/$ for groceries/gas/drug stores), Driver's Edge (6 pts/$ for those categories for the first year, 3 pts/$ thereafter--and can be paired with drive miles to effectively double the earning rate), and the mtvU card (5 pts/$ at restaurants, book stores, etc. along with a few other bonuses).
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Welcome to FlyerTalk! (from a fellow Cantabrigian)
Driver's Edge (6 pts/$ for those categories for the first year, 3 pts/$ thereafter--and can be paired with drive miles to effectively double the earning rate), and the mtvU card (5 pts/$ at restaurants, book stores, etc. along with a few other bonuses).
The link below is to the citicards.com website. The drivers edge (non college) card is a rebate card at 6% for the first year and 3% afterwards. The rebate for the college card is 3%. 6 miles:$1 spent would be great, if there is a link to such an offer please post it. They offer so many cards it can get very confusing comparing benefits.
https://www.accountonline.com/ACQ/Chooser/ViewAll?ProspectID=2BC714979DCE4D6A932BFF599B15E3C 0&siteId=cb&SEARCH_CRITERIA_1=REWARDS
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That reminds me ... Capital One does NOT report credit limits to the 3 credit bureaus which actually HURTS your FICO score. I'm in the process of getting rid of my Capital One card, unless, of course they offer me a "0% balance transfer" opportunity sometime soon.
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The link below is to the citicards.com website. The drivers edge (non college) card is a rebate card at 6% for the first year and 3% afterwards. The rebate for the college card is 3%. 6 miles:$1 spent would be great, if there is a link to such an offer please post it. They offer so many cards it can get very confusing comparing benefits.
https://www.accountonline.com/ACQ/Chooser/ViewAll?ProspectID=2BC714979DCE4D6A932BFF599B15E3C 0&siteId=cb&SEARCH_CRITERIA_1=REWARDS
I'm not sure exactly where you're confused. The Driver's Edge rebate dollars can be converted into TY points at the rate of $1 = 100 points. Hence the 6% rebate on groceries/gas/drug stores for the first year is effectively 6 pts/$.
In addition to that, you earn $0.01 for each mile you drive on the car that's linked to your account (sending in service receipts and such). Similar to PremierPass, these drive miles can only be redeemed with an equal number of spending points. I don't know for sure whether these points can also be converted into TY points.
All the details of the reward program for this card are spelled out at the link you provided if you click on the link just underneath the card that says "Reward Program Information."
Oh, and mrthrifty, I assume you meant that CapOne does not report limits to the credit bureaus. :)
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I'm not sure exactly where you're confused. The Driver's Edge rebate dollars can be converted into TY points at the rate of $1 = 100 points. Hence the 6% rebate on groceries/gas/drug stores for the first year is effectively 6 pts/$.
In addition to that, you earn $0.01 for each mile you drive on the car that's linked to your account (sending in service receipts and such). Similar to PremierPass, these drive miles can only be redeemed with an equal number of spending points. I don't know for sure whether these points can also be converted into TY points.
All the details of the reward program for this card are spelled out at the link you provided if you click on the link just underneath the card that says "Reward Program Information."
Oh, and mrthrifty, I assume you meant that CapOne does not report limits to the credit bureaus. :)
Yep ... I got a little hasty in my first email :)
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I'm not sure exactly where you're confused. The Driver's Edge rebate dollars can be converted into TY points at the rate of $1 = 100 points. Hence the 6% rebate on groceries/gas/drug stores for the first year is effectively 6 pts/$.
In addition to that, you earn $0.01 for each mile you drive on the car that's linked to your account (sending in service receipts and such). Similar to PremierPass, these drive miles can only be redeemed with an equal number of spending points. I don't know for sure whether these points can also be converted into TY points.
All the details of the reward program for this card are spelled out at the link you provided if you click on the link just underneath the card that says "Reward Program Information."
Oh, and mrthrifty, I assume you meant that CapOne does not report limits to the credit bureaus. :)
Thanks for the clarification. This is another great benefit.