I've been using my Chase Amazon Prime since April 2018 and I was able to rack up some decent points/cashback from my spend, especially on amazon of course so I wanted to share it with you guys and hopefully get some data points from other users in this forum.

I wouldn't look at it as "earning enough points to cover the fee" type of thing. IMO you should have this card if and only if you'd be paying for Prime anyway. Paying a $129 AF for the cash back rewards just doesn't make sense; there are other options out there.


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By looking at your points you've spent roughly 2k on Amazon. However, you've spend 6k on purchases that only earned 1%. More or less, you would have gotten the same overall return just using a flat 2% card.

You're making an excellent point as to how to maximize return on spend. In my case though the reason I have so much spend on 1% is mainly because my Amex cards weren't accepted for that particular spend and that's the only VISA I have. Otherwise I'd have rather put that spend on my gold card to earn MR points. I wish I applied for a 2% card rather than the 1.5% cash magnet, but I am failry new in the CC game and did not really know what I was doing when I first applied. The magnet I carry is a PC from BCE that became obselete after I got the gold card. It's also my oldest and very first credit card (since 2015) so I'm kinda stuck with it. I don't wanna cancel it and ruin my credit.

I am definitely looking into getting a 2% cash back card in the near future but for now I need to garden as I am preparing to apply for a mortgage loan as well as saving spots for some Chase card down the road. But I get your point though.

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Tier qualifying points (TQP) earned through spending using the Rapid Rewards Premier Credit Card, Rapid Rewards Premier Business Credit Card, Rapid Rewards Priority Credit Card, and the Rapid Rewards Performance Business Credit Card will count toward A-List/A-List Preferred qualification based on when they are posted to your Rapid Rewards account and NOT based on spending date. The points post to your account after your statement closing date, which will be different for each Customer.

A Companion Pass qualifying point is any Rapid Rewards point that will count toward earning a Companion Pass.2Companion Pass qualifying points are earned from your revenue flights booked through Southwest, your points earned by making purchases with a Southwest Rapid Rewards Credit Card, and your base points earned from Rapid Rewards partners. Purchased points, points transferred between members, points converted from hotel and car loyalty programs, and e-Rewards, e-Miles, Valued Opinions and Diners Club, points earned from Rapid Rewards program enrollment, tier bonuses, flight bonuses, and partner bonuses (excluding bonus points earned on Southwest Rapid Rewards Credit Cards from Chase) do not count toward Companion Pass. Points earned during a billing cycle on a Southwest Airlines Rapid Rewards Credit Card from Chase are not available for redemption or qualification for Companion Pass status until they are posted on your billing statement and posted to your Rapid Rewards Account. Only points posted on your billing statements and posted to your Rapid Rewards account during the same calendar year are available for qualification for Companion Pass status. For example, if you make a purchase after your December billing statement cycle date, the points on those purchases will not count toward Companion Pass status in the year the purchase was made; they will appear on your January billing statement and post to your Rapid Rewards Account in January. No points nor tier or Companion Pass qualifying points will be awarded for flights taken by the Companion when flying on a Companion Pass reservation.

Points earned through spending using the Rapid Rewards Credit Card will count toward Companion Pass qualification based on when they are posted to your Rapid Rewards account and NOT based on spending date. The points post to your Rapid Rewards account after your statement closing date.


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Credit cards are the tool through which you run your money in order to accumulate your points and miles. Think of them as the points-and-miles printing press. You can earn points and miles without them, but the process takes a lot longer and is a lot harder. To make this work, you will need a credit card.

I have more cards than the average person needs, but I only apply for new cards to reach a specific goal. This is the important point to know before you begin: have a goal in mind. Think about the trip you want to take, where you want to stay, and how you want to get there, and then get the cards that help you get there.

Therefore, I try to space out my sign-ups. I do two or three big credit card sign-up frenzies per year. This allows me to meet any minimum spending requirements (see below), allows the temporary dip the application causes in my credit score to go away, and gets me around any red flags the credit card companies have.

You can use Evreward or Cash Back Monitor to discover the current best deals across various programs. Simply type in the merchant or product you want, and it will compile a list of bonuses the various point programs are offering at that moment so can you maximize the programs to purchase from.

Say, for example, you want new clothes from a specific store. Going into a physical store only gets you one point per dollar spent. By using Evreward, you can see the portal offering the best deal, sign in to that portal (you will need to connect your loyalty account), click the link to that store, and purchase online to earn three points per dollar spent. Suddenly, you get 300 points instead of 100 for your $100 shopping spree!

Airlines and hotels often offer points and bonuses for signing up for a deal, taking a survey, filling out a form on Facebook, etc. The points here are small (100-1,000 at a time) but, over the course of a year, they can add up.

By using the eight steps outlined in this article, the sky is the limit on how many miles you can earn. It just depends on how much you want to ramp up each step. As I said before, my million miles per year is a small number compared to some of the other points and miles pros out there.

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Reserve retirement is sometimes called non-regular retirement.Members who accumulate 20 or more years of qualifying service areeligible for reserve retirement when they reach age 60 or, in somecases, a lesser qualifying age. There are two non-disability retirementplans currently in effect for reserve qualified retirees. These areFinal Pay plan, High-36 Month Average plan. There is no REDUX retirementplan under non-regular (reserve) retirement.

The retired pay base for a qualified reserve retirement under theFinal Pay plan is the monthly basic pay determined at the ratesapplicable on the day of retirement at the highest grade satisfactorilyheld during service. In other words, it is the rate of pay for themember's pay grade and years of service taken from the pay table ineffect on the date that retired pay begins, regardless of when themember stopped participation (i.e. went into the gray area).

The Final Pay plan uses a multiplier % that is 2% times the years ofcreditable service. The creditable years of service for a reserveretirement calculation is determined by the sum of all accumulatedreserve points divided by 360.

The retired pay base for a qualified reserve retirement under theHigh-36 retirement plan is the total amount of monthly basic pay towhich the member was entitled during the member's high-36 months dividedby 36. This includes months to which the member would have beenentitled if the member had served on active duty during the entireperiod. Usually this will be the average of the 36 months for themember's pay grade and years of service taken from the pay tables ineffect for the 36 months immediately preceding the date that retired paybegins, regardless of when the member stopped participation (i.e. wentinto the gray area). 152ee80cbc

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