Author Topic: Best credit card bonus? I have $4000 in medical bills...  (Read 2326 times)

slappy

  • Pencil Stache
  • ****
  • Posts: 689
Best credit card bonus? I have $4000 in medical bills...
« on: January 20, 2018, 09:45:24 AM »
So my HDHP has a $4000 OOP max, and Iím sitting here in the hospital with my son for the third day, so Iím assuming we will hit that this month.  Any ideas for the best bonus to go after with this? I thought I saw an offer for $750 for spending $7500 but that was awhile ago. Maybe it was an AMEX card? Normally I could never hit tbat, so I just dismissed it. I checked DOC and couldnít find it. Hubby and I have already done the chase cards, and I will was mainly hoping for cash back.

MacGyverIt

  • Stubble
  • **
  • Posts: 233
  • Location: Not in a tropical, underpopulated location. And that's just wrong.
  • What Would MacGyver Do?
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #1 on: January 20, 2018, 09:57:23 AM »
I've always found this site helpful: https://www.nerdwallet.com/credit-cards#

Sorry to hear your son is ill, will keep him/your family in my thoughts.

- Mac

Catbert

  • Handlebar Stache
  • *****
  • Posts: 1686
  • Location: Southern California
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #2 on: January 20, 2018, 10:39:31 AM »
Check out DOCs list of best credit cards for January 2018.  I'm sure some of them are cash back:

https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/


https://www.doctorofcredit.com/credit-cards/best-credit-cards/

daverobev

  • Magnum Stache
  • ******
  • Posts: 3322
  • Location: UK
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #3 on: January 21, 2018, 12:10:59 PM »
Take a look at reddit.com/r/churning

If you're under 5/24 with Chase, and have good credit, the answer is probably one of the Ultimate Rewards Chase cards.

kpd905

  • Handlebar Stache
  • *****
  • Posts: 1717
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #4 on: January 21, 2018, 02:35:15 PM »
Chase Sapphire Preferred would be good for the $4,000 spend.

Or grab the Amex Business Gold Rewards card and get 50,000 Amex points after you spend $5,000: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex

Both of these are worth about $700-800 if you sell the miles.

Aggie1999

  • Bristles
  • ***
  • Posts: 370
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #5 on: January 21, 2018, 07:15:25 PM »
Anybody here got the Chase Ink Preferred business card, but not owned an official business? Some googling says providing your SS works. I sell stuff on ebay every now and then and have to buy shipping supplies so I say that is a good enough business. :)

I am under the Chase 24/5 rule. I did just get the Sapphire Preferred card a week ago. Should I wait a bit to apply for the Ink card or does it not matter? I've got a large tax bill to pay this quarter so need a second card to pay taxes with.

slappy

  • Pencil Stache
  • ****
  • Posts: 689
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #6 on: January 22, 2018, 09:13:53 AM »
Chase Sapphire Preferred would be good for the $4,000 spend.

Or grab the Amex Business Gold Rewards card and get 50,000 Amex points after you spend $5,000: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex

Both of these are worth about $700-800 if you sell the miles.

What do you mean when you say sell the miles? Can they be converted to cash or do you actually mean sell the miles to another person? I'm not familiar with that option.

Catbert

  • Handlebar Stache
  • *****
  • Posts: 1686
  • Location: Southern California
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #7 on: January 22, 2018, 11:31:52 AM »
Chase Sapphire Preferred would be good for the $4,000 spend.

Or grab the Amex Business Gold Rewards card and get 50,000 Amex points after you spend $5,000: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex

Both of these are worth about $700-800 if you sell the miles.

What do you mean when you say sell the miles? Can they be converted to cash or do you actually mean sell the miles to another person? I'm not familiar with that option.

Be very careful about selling miles online.*  It violates credit card and airline rules.  If they find out they will close your account and confiscate whatever you have left.  (Obviously, you could buy a ticket for a friend or family memeber with points have them reimburse you.)

*Yes, I know people do it and not all get caught. 

slappy

  • Pencil Stache
  • ****
  • Posts: 689
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #8 on: January 22, 2018, 11:35:30 AM »
Chase Sapphire Preferred would be good for the $4,000 spend.

Or grab the Amex Business Gold Rewards card and get 50,000 Amex points after you spend $5,000: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex

Both of these are worth about $700-800 if you sell the miles.

What do you mean when you say sell the miles? Can they be converted to cash or do you actually mean sell the miles to another person? I'm not familiar with that option.

Be very careful about selling miles online.*  It violates credit card and airline rules.  If they find out they will close your account and confiscate whatever you have left.  (Obviously, you could buy a ticket for a friend or family memeber with points have them reimburse you.)

*Yes, I know people do it and not all get caught.

This is what I was thinking, which is why I asked what he meant.

Debts_of_Despair

  • Pencil Stache
  • ****
  • Posts: 534
  • Location: NY
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #9 on: January 23, 2018, 10:21:23 AM »
Anybody here got the Chase Ink Preferred business card, but not owned an official business? Some googling says providing your SS works. I sell stuff on ebay every now and then and have to buy shipping supplies so I say that is a good enough business. :)

I am under the Chase 24/5 rule. I did just get the Sapphire Preferred card a week ago. Should I wait a bit to apply for the Ink card or does it not matter? I've got a large tax bill to pay this quarter so need a second card to pay taxes with.

I just did using eBay as my reason.  When I applied it said to call a phone number for final approval.  I called it and they just asked me some questions about my income, nothing about my "business" and I was approved.

Finances_With_Purpose

  • Pencil Stache
  • ****
  • Posts: 624
    • Finances With Purpose: deploying resources wisely to live vigorously
Re: Best credit card bonus? I have $4000 in medical bills...
« Reply #10 on: January 23, 2018, 07:57:25 PM »
Try finding a recommended and ethical medical bill negotiator?  They can often get bills reduced.