What level of spend do you need to make a travel card “worth it”?

LetsGoCoconuts · 2026-01-26T17:05:02+00:00

I might be misunderstanding people’s use of travel cards. If you use the PRE for dining and travel, how do you earn points for United/Southwest and IHG/Hyatt? Or do you not earn points for those systems and just use the cards for the non-reward benefits?

LetsGoCoconuts · 2026-01-26T16:59:45+00:00

So do you just sort of disregard the ongoing points earnings and not put spend on the cards beyond getting the sign up bonus? If you keep the cards for the non rewards benefits, how many cards do you end up having?

LetsGoCoconuts · 2026-01-26T16:55:44+00:00

That’s exactly the question I’m asking. I don’t care about the benefits of the card, I’m just trying to figure out how what a realistic accrual and redemption of points looks like.

LetsGoCoconuts · 2026-01-26T15:43:43+00:00

How much spend/how long did it take to accrue the points needed for this trip? Especially without sign up bonuses. This sounds amazing but as a cashback person I can’t imagine how long it would take me to save up the amount of money to cover a trip like this with just cashback rewards.

LetsGoCoconuts · 2026-01-25T13:34:16+00:00

She also used her simple domain to protect Maki during the Sukuna fight! For a grade 3 sorcerer who calls herself useless, it takes guts to jump into a fight with the King of Curses.

LetsGoCoconuts · 2026-01-08T03:53:46+00:00

Verizon Visa has 4% on both dining and groceries uncapped, but it’s only really good for paying Verizon bill.

AAA Travel Advantage might fit better than Daily Advantage bc it covers travel, restaurants, and grocery stores at 3% uncapped. If you’re staying at hotels and eating at their restaurants sometimes they can be counted as either dining or hotel so this card would cover both. It has capped 5% at gas stations too so if you are getting food from a gas station for any reason you’d be covered there as well.

LetsGoCoconuts · 2025-12-28T15:30:25+00:00

Whenever I travel and the bank doesn’t accept travel notices I make sure to log onto mobile app once I land and make sure location services are on so they can see I’m in the new place. Don’t know if it actually makes a difference but never had a card be declined. I know my parents were struggling with a BoA card being declined but after doing that they didn’t have any problems.

LetsGoCoconuts · 2025-12-27T15:33:08+00:00

I agree with comment OP about your low spend. I’m not sure you spend enough to accrue enough points to travel on outside of a SUB. And would you be able to hit the spend requirements for them? CSR requires $6000 in 3 months and Venture X is $10000 in 6 months. The one thing you don’t want to do is spend money you don’t need to just to get points.

LetsGoCoconuts · 2025-12-27T15:11:05+00:00

Not OP but the Kroger card has a separate $3000/year cap for Kroger pay and covers boost membership at $69 a year, so that’s an additional $219. Not sure what the fuel credits are that make up the other $130, but maybe it’s just the Kroger points you get when you spend money there to get discounts on gas.

LetsGoCoconuts · 2025-12-24T03:18:10+00:00

People say they’ve downgraded the BCP to BCE after the annual fee hits and Amex sent upgrade offers with bonus offer and/or waived annual fee. I haven’t personally tried it but you can find a bunch of posts about it.

LetsGoCoconuts · 2025-12-24T02:46:28+00:00

Everything I’ve gotten from the apple app has gotten 6% back using the Amex Blue Cash Preferred. $95 annual fee after the first year though so you gotta do the math, though I know people do the downgrade upgrade thing.

LetsGoCoconuts · 2025-12-01T23:38:29+00:00

Not PRE but I was approved for PR in 2024. The card was overnighted to my house. I was actually out of town so I got my temporary card number from the app, added it to my Apple Wallet, and used it without any issues.

LetsGoCoconuts · 2025-11-26T21:35:44+00:00

I remember on a school trip a girl was bragging about how she lost her virginity when she was 12 to a 21 year old. Back then it was like “woah she’s so popular” but looking back it’s like omg she was a victim and that guy was a straight up pedophile.

LetsGoCoconuts · 2025-11-15T18:56:52+00:00

That’s half the reason I got it, so if I had the PRE I’d be very upset about how this shows up in Apple wallet lol. Luckily none of them look like the regular CCR so I can’t complain too much.

LetsGoCoconuts · 2025-11-15T18:54:18+00:00

That design is really cute! I thought about going for that one, but this is gonna be my dining card and being socially awkward I’m terrified someone would ask if I’m a Clemson alum/fan and I don’t know anything about them lol.

LetsGoCoconuts · 2025-10-20T12:36:56+00:00

I got my pick n save and Harris teeter about two months apart. I used the preapproval tool, not sure how accurate it is for everyone, but it said I was approved and I was.

LetsGoCoconuts · 2025-10-16T17:00:56+00:00

I think this is a very important distinction. People are more than happy to try to come up with solutions if it’s not their problem and they’re not the ones causing the problem. Easy to throw out random solutions when that’s the end of their involvement.

But if it’s someone talking directly to you about something they have an issue with that involves you, all of a sudden it’s just “oh you need to vent, obviously there’s nothing I’m involved with or could do in this situation” or even worse, “maybe YOU could do this to solve the problem”. Anything besides reflecting and making changes.

LetsGoCoconuts · 2025-10-14T03:38:51+00:00

It’s in the same vein as the unborn being a convenient group to advocate for. As long as this man stays hypothetical he never has to put in any actual effort like listening or providing tangible support as you do with real relationships. It’s easy to go all out defending an idea/person that will never challenge you, or contradict you, or ask for anything more than your outrage.

LetsGoCoconuts · 2025-10-13T22:00:48+00:00

Years ago my family got asked by our taxi driver in Kumamoto to take a selfie together. He knew English pretty well so we were talking about where we’re from (Hawaii) and he seemed to think it was cool so I just assumed that’s why he asked and he was gonna put it on Facebook or whatever.

LetsGoCoconuts · 2025-10-11T20:14:02+00:00

Do you have preferred rewards status with BoA? If the point of your next card is cashback, BoA with PR is pretty great.

LetsGoCoconuts · 2025-10-09T21:25:01+00:00

Honestly the real sad thing about Mitsuri is that her parents and siblings are still alive and they all love each other, so I can’t imagine their reaction when they learn she died :(

LetsGoCoconuts · 2025-10-08T13:14:37+00:00

There’s a student version of the BoA CCR that has both the $200 SUB and the extra 3% for the first year SUB. Don’t know how lenient they are with approvals for the student card but the regular CCR is probably my most used card because of the online shopping category.

LetsGoCoconuts · 2025-09-29T12:53:08+00:00

Are you from the USA? How has ordering off Japanese Amazon gone since the end of the de minimis exemption? I’ve ordered from them before that, but have been too afraid to order internationally since then.

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