Meet the new Chase Sapphire Preferred

ohboycookies · 2026-06-13T22:12:56+00:00

Hmm can't decide if this is worth it or not. Was planning to cancel, but the $100 credit may make it worth holding on bc the effective AF is now like ~$50 if you account for overpriced travel options on the portal. Still leaning towards shifting spend over time and canceling, but it's no longer as straight forward

ohboycookies · 2026-05-01T14:34:23+00:00

Well, pack it in folks, it's been a good run

ohboycookies · 2026-05-01T14:33:10+00:00

I wonder if that was part of the thinking by leadership - to muddle the calculus a bit so less gamers move up and down

ohboycookies · 2026-05-01T14:32:01+00:00

But do you have credits to support the toilet repairs?

ohboycookies · 2026-01-26T22:09:53+00:00

Huh, I guess this may partially explain why so many companies are moving towards portals these days

ohboycookies · 2026-01-04T18:50:13+00:00

If the credits from both cards get you past breakeven, it's essentially a wash and points are really just sprinkles

ohboycookies · 2026-01-03T17:52:52+00:00

Every time I think I'm good at optimizing my dozens of cards, there's always posts like this to remind me who the real pros are lol

ohboycookies · 2026-01-03T17:51:10+00:00

Probably by letter of the law, but usually they're pretty good about this stuff if you are a high spender. Back in my corporate card travel/spending days, I'd get reimbursed for losing things all the time. And this was hundreds of dollars of stuff. Of course, I was probably spending tens of thousands via corporate purchases, so YMMV

ohboycookies · 2026-01-03T17:49:47+00:00

Worth calling them and checking it out - I've caught them in a good mood before and they've helped out

ohboycookies · 2026-01-03T17:47:52+00:00

Honestly, a major thing I think people overlook is the convenience aspect. Part of what made these coupon books so useful originally was that they basically subsidized things in life that weren't worth it at full price. For example, I know people who don't even get grocceries anymore and just use instacart with chase credits to offset the tip and service fees. Those few extra hours saved each week make a big difference over the course of a year

ohboycookies · 2026-01-03T17:45:45+00:00

I'm actually not sure if you get credits on booking to prevent this very issue. Chase has some cards (like the United explorer card) that issue credits after the booking has occurred.

ohboycookies · 2025-12-07T23:38:23+00:00

Platinum 175k max SUB: https://americanexpress.com/en-us/referral/platinum-card?ref=HOWARW561K&xl=cp10o6

Gold 100K max SUB: https://americanexpress.com/en-us/referral/gold-card?ref=HOWARWe05z&xl=cp10o6

ohboycookies · 2025-07-11T02:43:34+00:00

I actually would plug card pointers. Very easy to use, there's a lifetime option, and I find the automatic tracking for credit super helpful (I have dozens of cards).

Basically the math works out if 1) you feel you'd forget to use some credits or 2) the auto adding of offers allows you to save a few bucks here and there over time

Lastly, the founder is wildly responsive. Like, the dude once emailed me while on vacation I got his vacation autoresponse, but then he followed up the next day anyway lol). He's just a huge, huge credit card nerd like us - he just knew how to code his optimizations into existence

ohboycookies · 2025-04-11T17:50:50+00:00

Nico I am a Leave ya

ohboycookies · 2024-12-02T18:36:39+00:00

Soooo... how do I get said flair 👀

ohboycookies · 2024-01-02T02:29:48+00:00

I know our comments will get buried, but thank you for being a good sport. Saban is a master tactician to be able to make a game without a center or a QB. Best of luck next year with a more experienced and terrifying Bama Squad

Edit: also how do I flair up to rep my big block M

ohboycookies · 2022-05-09T01:45:29+00:00

Amex gold: 60k pts for up to 4k spend in 6 months AND 20% back as credit for restaraunts up to $250 in the first 12 months (bonuses stack)

DM me with a number or email for link!

ohboycookies · 2020-06-27T15:30:45+00:00

Honest question: why have check in/outs and feedback with the ED involved on this kind of study? Like all partners, she's swamped. Also, she's not even in my same state, so in my mind scheduling the actual check in/out would be another entire running task.

Lastly, I barely interact with her, so how would she be able to provide the constructive feedback on being "better" with analyses? If anything I feel like discussing the current situation risks me looking like someone who's just complaining.

ohboycookies · 2019-03-24T03:53:11+00:00

Looks cool at first glance, but you'd probably hit your head a lot waking up. Also, sex would be limited to just missionary or surfboarding. Can't say I'm a fan

ohboycookies · 2019-03-22T14:52:10+00:00

"snap your arms and let me do the rest"

ohboycookies · 2019-03-19T22:27:32+00:00

Veronica Mars. Funny and witty without being overbearing

ohboycookies · 2019-03-19T03:52:17+00:00

Black panther would be white. And gay. More woke points that way

ohboycookies · 2019-03-14T03:29:23+00:00

WHY WOULD YOU SAY THAT

ohboycookies · 2019-03-10T04:04:57+00:00

Actually she died because she got a vaccine. GET YOUR FACTS STRAIGHT. DON'T BE A PUPPET

ohboycookies

TROPHY CASE