Questions and Answers

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Answers (4)

Points Earning (Amex SPG or Chase Ink BP)

Points Earning (Amex SPG or Chase Ink BP)

  1. Woodrow

    I have a question, that I’m hoping more savvy points collectors can help with. My business does about $1.2M of business with one of our vendors. I can pay by credit card for an additional 3%. I am trying to figure out if an additional $36,000 annually is worth it, and then come up with a convincing argument for my 3 other partners (family who likes to travel and in style), as to why we should do this.

    Can I earn points on that entire amount?
    If not, can I split it between the two above cards?

    I’m hoping it is as easy as you can take x amount of trips in J or F class anywhere in the world annually or bank the points.

    Woodrow

  2. Brad B

    It all depends on your credit limit, if you can get a $100,000 credit limit and pay it off each month go ahead, however be aware that maxing out your credit card can hurt your credit score, some cards have a maximum amount of points while others do not, so make sure to check that when signing up for the credit card. I would recommend consulting a tax advisor regarding a $36,000 liability every year on your books (and if $36,000 a year is worth it to you for 3-6 round trip first class tickets each year, you may be able to buy tickets cheaper.)

    Also, remember that in some states it is illegal to charge a credit card service fee on purchases. [URL]https://usa.visa.com/support/consumer/visa-rules.html[/URL]

  3. Woodrow

    Both cards carry $100k+ limits and are paid off monthly. I do not think my vendor would charge a “fee” parse, they would probably just raise my price by 3%.

    Is it still considered “maxing out” if you pay the card off monthly.

    You have definitely raised some great points. Thanks!

  4. Brad B

    Well I would review the contracts with your suppliers to see if they are allowed to increase the price, as many states only allow a discount available to all consumers vs a surcharge, IMHO increasing the price for credit cards is the same thing as a surcharge.

    If the statement cycles and your card is maxed out it will show that because you haven’t paid it off yet and they don’t know of your intention to pay it off.

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