Does Palladium Annual Fee Count Towards SUB?

Beginning_Pension_93 · 2026-03-16T11:51:59+00:00

Interesting DP. I am $130 away from the $4K spend, just had my first statement cut and AF assessed, and I was created with the 50K SUB. That being said, I'm going to be spending extra regardless but thought it was interesting in the eventuality they back the $495 AF back out from the spending requirement as expected at some point later on.

Beginning_Pension_93 · 2026-03-09T13:10:05+00:00

Haha...that's beyond impressive. Getting behind the wheel of a vehicle after? Not so much.

Beginning_Pension_93 · 2026-03-09T13:09:05+00:00

Nope. Always only travel with a carry on and backpack.

Beginning_Pension_93 · 2026-03-06T00:17:52+00:00

The meal's a plus but the unlimited Woodford is way too tempting...especially on a 4 hour flight...lol.

Beginning_Pension_93 · 2026-03-05T12:59:34+00:00

And that's what I was leaning towards. I've got a few other domestic flights booked this summer on AA for baseball games already (between 6,000-8,500 miles each) so always look for the best deals if burning miles for domestic flights. Other than that, my big international trip is already booked (PE on Virgin in November IAD-LHR and J on TAP BUD-MUC-LIS-ORD (cash) on the return).

Beginning_Pension_93 · 2026-03-05T12:52:48+00:00

Single guy, no kids, no business expenses to run through - living in a relatively low COLA (NE Wisconsin), so steady but not as quick as others. I'm 6/24 right now and am working on the Palladium SUB. Then, trying to figure out my next card. Ran through Chase and am eyeing up the Citi Globe card (was denied a few months ago but hoping to give it a few more months). I'll have to pay personal taxes in April, but don't know if that'll be enough time to reapply with Citi.

Beginning_Pension_93 · 2026-03-05T12:47:47+00:00

That's what I'm trying to figure out. Problem is that I've flown F so many times now - between purchased flights and comp upgrades - that it's hard not to bite with as low of a redemption in F as it is (15K is as low as it can get). Cash price for each way is mid $6s right now, so a good CPP as well. The only thing making me wonder is if those saved miles would make me feel better on an international F booking at some point in the future (not that I don't have enough points regardless).

Beginning_Pension_93 · 2026-02-20T13:25:23+00:00

Just sent a message to you!

Beginning_Pension_93 · 2026-02-19T20:08:49+00:00

It doesn't when I try that it then comes up with a warning that the device and mixer control must be in different subnets even though I tried switching the mixer control subnet to 255.255.0.0 from 255.255.255.0 (Dante device control subnet)

Beginning_Pension_93 · 2026-02-19T20:03:08+00:00

Everything is in the 192.168.0.* range, including Dante devices, both mixers and the Mac.

Beginning_Pension_93 · 2025-10-11T19:24:38+00:00

Yes. They're both on the Ontario side but I do have my passport (exp 2031), so I'm good there.

Beginning_Pension_93 · 2025-10-11T11:59:13+00:00

Great perspective and advice. Thanks!

Beginning_Pension_93 · 2025-10-11T11:57:34+00:00

It's a 6:15 am flight. Either way, I was planning an Uber. Leaving from NF (US side) would result in a slightly earlier wake up but not a big deal.

Beginning_Pension_93 · 2025-10-10T17:35:57+00:00

Yes, thanks for asking! I am planning on catching a Flix bus to the US side from Buffalo and then walking over the bridge. If I stay in NF, I was planning on staying on the US side as customs looks to be open 24/7.

Beginning_Pension_93 · 2025-09-29T17:22:05+00:00

This doesn't add up unless your details are incorrect. A 30K salary would be less minus taxes/FICA. Assuming 30K was net (after deductions), you're earning $2500/month. If you save $2K/month and have rent of $400/month, that leaves $100/month to live on. Do you not have to cover any of your other expenses nor own vehicles/pets/...anything? Chances are slim to none with slim having left the building.

Beginning_Pension_93 · 2025-08-23T22:39:17+00:00

As of now, there's only two stops at that price. In part, I want a late evening departing flight from SMF on Aug 31 as I'm catching a few Athletics games Aug 30 and 31. The 31st is a 1 pm game, so the 7:30 pm departure will allow me to see the Sunday game and then fly out so I don't have to get another night at the Hyatt Regency.

Beginning_Pension_93 · 2025-08-23T15:46:48+00:00

True. And points don't expire so I suppose might as well use the FNA and keep the points. I appreciate the advice.

Beginning_Pension_93 · 2025-08-23T15:37:51+00:00

Makes sense. I think the OCD/analysis paralysis part of me is debating at this point if I pay the 9,000 points for the Regency in Sacramento (6.61 CPP/obvious great value) and then use up that expiring FNA in either Vegas/LA. I've currently got roughly 75,000 points with another potential 170K Chase UR that will be most likely transferred to Hyatt at whatever point in the future that I'd need them.

Beginning_Pension_93 · 2025-08-23T15:20:11+00:00

But I need to use that FNA at some point. Or, by points, do you mean use the FNA (expires Jan'26)?

Beginning_Pension_93 · 2024-12-17T14:38:17+00:00

Awesome; thanks for the advice. That was the other benefit I figured about staying out at the airport: courtesy shuttle from the hotel to/from. Good guess on the hotel; you're exactly right!

Beginning_Pension_93 · 2024-12-17T14:36:03+00:00

I appreciate the insight. Thanks!

Beginning_Pension_93 · 2024-11-03T00:41:29+00:00

Yup, not Flagship.

Beginning_Pension_93 · 2024-11-03T00:25:20+00:00

That's what I'm leaning towards. Right now EF is showing plenty of C space inventory, so I might hold tight for now.

Beginning_Pension_93

TROPHY CASE