I may have caught the apping disease, do I want AMEX?

I have 3 cards with a combined CL > $40K, I've had 3 cards for 8 years, I don't need any new cards (I also have a hidden business credit card with $12K limit).One of my cards is an USAA AmexWhile surfing the forum, I found a link for the AMEX preapproval site, so I checked it out for fun. OfferedPRG with the 50,000 bonus and AF waived first yearEDP with the 25,000 bonus and AF waived first year with a 12.99% interest rate listedAlso got the Delta offer, but I don't fly.My EX is 725, do the offers get much better i? I could easily meet the spend, I could easily run the 30 transactions a month.I have no idea how to use the points or what I would use them on anywayTwo cards from one pull?I haven't had a pull on EX since August 2013...

inverse wrote:
I'm the OP. The spend is no problem for me, I run plenty of business expenses including fuel and travel through my hidden card each month. AAoA is 8 years with 18 being my oldest. I'm trying to learn to make my cards work for me. I've never looked into it previously, generally I hate credit cards. But we all need to play the game. 3 plane tickets or a week in a hotel each year based upon my regular spending seems like a decent deal. Based on my current spend I think I could knock down 5000-9000 points a month that I get a whopping $30-$60 back in cash rewards each month now. Transactions arent a problem, I fill up with gas every day before work, that's 30 transactions in itself. I guess I need to keep reading on rewards. If anyone knows of a good link, please post it. According to the estimator, 5 cards is optimal. I like that I have no EX pulls in two years and this would work out for me to keep inquiries down. Based on the fact that the AMEX offers don't get much better than what I was offered, its appealing. The hardest part for me is I already have a USAA branded AMEX and AMEX still isn't accepted everywhere. Thanks for everyone's input.Believe me, I hate credit cards too. I made the mistake the last decade or two and just being anti everything. I had no clue what the potential was for earning rewards or bonuses. I have been an extreme couponer since 2012. I have learned a lot in the last few years. Being wealthy and couponing is not always a priority. But why not use the savings towards a retirement? Or just enjoy more of the good things in life? My favorite sites for deals/rewards are: thepointsguy.com flyertalk.com slickdeals.net totallytarget.com cuckooforcoupondeals.net krazycouponlady.com reddit ebates.com livingrichwithcoupons (their database specifically) Heck not long ago folks were buying $50 shell gas cards for only $25 bucks of their discover cash back... Also, you may find some flights/trips to be much less if you book them out far in advance. Most of them give you a full point refund if canceled 48hrs before. This will be an adjustment for you. The worst thing would be for you to get overwhelmed or just give up. Things wont always work out in the beginning. You will often find a better deal after the fact. Ya gotta act fast sometimes or else you could miss out on certain opportunities though. It may be risky to run too many business expenses through a card that reports to your personal CR. An accountant would be better qualified to answer that. But for me personally, I have made quite a bit just on the quicksilver and reimbursing for expenses...plus all the hhonors points I earned and delta miles. I would maybe research this for the rest of the week. Find out what major airline hubs are near you. Make sure there arent any better partner specific deals. There is a great calculator that lets you input your monthly spend. Break it down by categories, and it shows you the best deal. http://millionmilesecrets.com/new-to-miles-points-start-here/ Just be aware many of these deal sites do get a kickback for what they are doing for referrals. Many of the sites will be honest and say there is a better targeted deal and to not try their click through link first. Sounds like you have the potential here to earn a lot of free trips. We can keep this going if you have more questions. I may learn something myself along the way. GOOD LUCK

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I may have caught the apping disease, do I want AMEX?

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