Author Topic: IVF bills coming up, which credit card should I use  (Read 1032 times)


  • Bristles
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IVF bills coming up, which credit card should I use
« on: September 14, 2019, 11:31:27 AM »
Well unfortunately we are going down the IVF road. We will be spending $10k to $20k pretty easy in the next 3-6 months. I would like to leverage the racking of travel cards as much as I can....I am pretty new to the game and slightly conservative but like I said since we are spending so much on flights, medicine, and doctor bills...would love to get some bonuses. Here are the options I am toiling with and here is what I have used already.

Delta Gold. Already have. We mostly fly delta so both my wife used/maximized this. I will be downgrading both soon.

Marriott. Both wife/I have used. Will be downgrading or cancelling soon.

Here are my best options as I can see:

1.) Alaska Air. Wife used. I haven't. She could refer me and I could get bonus.....or I got an email to have the annual fee waived.

2.) Chase Sapphire Preferred. My wife just got this for a big car repair we had. We already got the bonus. Option would be for me to go the Chase route--perhaps from a referral from her? The only thing I don't love about this is I prefer to stagger the annual fees a bit I would have rather waited 6 months on this one. Also I noticed that the miles disappear if you lose the credit card--not 100% sure I will have the chance to use the miles within the year as we have yet to use her miles(or chase points or whatever).

3.) Capital One Venture. This seems like a good card and I do like that the annual fee is waived. Neither of us have done this one yet.

Any help would be appreciated!! Thanks. If you want to let me know about any more advanced strategies I can try to follow but like I said I am kinda new to the game and mostly just have been trying to get bonuses twice a year between my wife/I.


  • Handlebar Stache
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  • Posts: 1450
Re: IVF bills coming up, which credit card should I use
« Reply #1 on: September 14, 2019, 11:57:16 AM »
We've used this card & really like it. We no longer do, because we've transitioned from travel rewards to cash back and no annual fee. Each of you can open an account if you qualify -- open the first, get the bonus, then open the second. From a review site:

"The Barclaycard Arrival Plus® World Elite Mastercard® has a 70,000 miles sign-up bonus worth $735. You’ll need to spend $5,000 within the first 3 months to earn the bonus. In terms of value, this is one of the best credit card bonuses available. This card has an $89 annual fee. It’s waived for the first year. When you redeem towards qualified travel purchases, these 70K points will be worth $700. You get 5% in bonus miles back after redemption with this card. The bonus is effectively worth $735 in travel.

You’ll earn 2 miles per $1 spent on all purchases. With 5% miles back after redemption, you’re essentially getting back 2.1% in rewards. This makes it one of the best rewards cards for everyday use. There are no spending categories to worry about.

If you don’t plan on redeeming towards travel, this may not be the right fit for you. Redeeming towards cash back, gift cards, or merchandise will make your miles worth much less.

Unlike airline or hotel branded credit cards, you have the flexibility to redeem towards travel purchased on any airline, hotel, or travel website."


  • Bristles
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  • Posts: 269
Re: IVF bills coming up, which credit card should I use
« Reply #2 on: September 14, 2019, 12:01:04 PM »
Thanks I'll look into that Gizmo....didn't have that on my list.

 I should mention also that I was leaning towards Chase because I know about the 5/24 rule and that ppl recommend getting started with that one. I looked at my credit history and I have 2-3 credit cards opened in the last 24 months year so I am getting close there on the 5/24 rule.