Instagram story viewer> @finance.quy> Posts

Quy Dinh | Credit & Points and Miles

@finance.quy

13.2K

followers

609

following

Teaching winners how to build #credit & travel for FREE
💳 38 Credit Cards | 15 Countries
🌐 9m+ Credit Card Points
💰 7-Figure E-Com

POSTS STORIES REELS TAGGED

My mom came to America with me and just $60 in her pocket 21 years ago.

Today, I’m fortunate enough to gift both my parents with business class flights and fully fund their vacation back to the motherland 🇻🇳.

My proudest moment as a son.

I hope everyone can experience this level of happiness that I feel at least once in their lives. taken in New York, New York by @finance.quy

295

65

3 years ago

My dream car ever since I was 17.

10 years later, dream realized.

No secrets, no shortcuts.

Just show up every day and handle your business.

Surreal feeling.

Thank you to everyone who has supported me- I truly wouldn’t be where I am today without ya’s. by @finance.quy

307

86

2 years ago

Day 20/100

https://www.united.com/offers/travelbank

Tpyically, the American Express Platinum/Platinum business card’s $200 Airline Incidental Fee Credit, the eligible expenses typically include:

• Checked baggage fees: Charges for checking bags.
• In-flight refreshments: Costs for food and beverages purchased on the plane.
• In-flight entertainment: Fees for movies or other entertainment options during the flight.
• Change fees: Costs associated with changing flight dates or times.
• Phone reservation fees: Charges for booking flights over the phone.
• Seat selection fees: Charges for reserving specific seats.
• Pet fees: Fees for traveling with pets, if applicable.

As you can see, Amex does NOT make it simple to use this credit, as cost of the actual flight tickets are NOT eligible for the credit (like Venture X or Sapphire Reserve).

Let me show you a way around that.

Introducing the United Travel Bank Hack.

This hack lets you use your eligible card (Platinum, Platinum Business, and Hilton Aspire) to purchase credits on United Airline’s site, which will trigger the $200 airline credit that comes with the card. This is an easy way to spend those credits and help you offset the annual fees from these high end cards.

The credits can then be used on for future flights with United Airlines. They DO stack year over year, and the expiration date is ~5 years so make sure you use it by then.

#unitedbank #unitedbankhack #amexplatinum #platinumcard #amexplatinumbusiness #platinumbusiness #hilton #hiltonaspire

Have you used this hack before?! by @finance.quy

14k

445

2 years ago

Biggest mistake you can make = not getting a card because of the annual fee by @finance.quy

44

16

2 days ago

Day 29
If there was ONE card I'd recommend EVERYONE get, it's this Chase Sapphire Preferred.

We all know it has great earnings categories like 3x on dining and 2-5x on travel, but the welcome bonus in this case is far more important in terms of ROl for dollar spent.

Right now there's an elevated welcome bonus of 60k points AND a $300 travel credit on Chase's Travel Portal.
Literally just book something on the Chase Portal and you'll be reimbursed up to $300 max.

This is a GREAT way to offset that annual fee of $95, as well as start the clock on Chase's 1/48 rule.

PRO TIP: You can apply in branch to receive 70k + $300, which is 10k higher than the online offer.

PRO TIP #2: If you've recently got the CSP (within 30 days) before this offer, you can call try to call Chase and have them match this current offer. I've seen many data points of users being successful with this. A 3 minute phone call can lead you to a free $300 travel credit- why not?

Otherwise, If you like these videos and would like to support me, DM me and I'll share my direct referal link for the 60k points + $300 TC offer.

#chase #chasebank #chasesapphirepreffered #sapphirepreferred #CSP #welcomebonus #elevatedoffer
Do you currently have the Sapphire Preferred?! by @finance.quy

180

20

2 years ago

Day 28
Site is:
https://seats.aero/

My simple method to find flight award redemptions in business class.

May not be the cleanest/most efficient, but it gets the job done.

For a flight that retails $4,600 , getting this booked in business class for 84k points and $260 in fees is a pretty decent deal.

For business class awards, I try to get at least 4 cents of value per 1 credit card point, and we were able to do that here!

If anything is unclear or you have questions, feel free to let me know in the comments. I'll be happy to help out.

#creditcardpoints #creditcard #points #pointsandmiles #businessclass #businessawards #businessflights #britishairways #qatarairways #americanairlines #americanexpress #credit #finance

Is Italy on your destination list?! by @finance.quy

241

13

2 years ago

Day 27
Is this low-key the BEST travel card on the market?

Introducing the Ritz Carlton Card

Earnings:
- 6X AT MARRIOTT PROPERTIES (18.5X FOR MARRIOTT GOLD MEMBERS)
- 3X ON DINING, CAR RENTALS, & FLIGHTS
- 2X EVERYWHERE ELSE

Pros:
- FREE NIGHT AWARD (85K)
- $300 TRAVEL CREDIT
- $100 TSA/ GLOBAL ENTRY CREDIT
- CHASE LOUNGE & PRIORITY PASS LOUNGES + UNLIMITED GUESTS
- MARRIOTT BONVOY ELITE GOLD STATUS
- PRIMARY CAR RENTAL INSURTANCE
- TRAVEL INSURANCE
- TRIP DELAY REIMBURSEMENTS
- VISA CARD
- NO FOREGIN TRANSACTION FEE

Cons:
- EARNS MARRIOTT POINTS, NOT CHASE UR POINTS
- HAVE TO MESSAGE/CALL CHASE TO GET $300 CREDIT TO APPLY
- HAVE TO HAVE A CHASE BOUNDLESS/BONVOY FOR 1 YEAR PRIOR

ALL of this for an annual fee of $450, which is cheaper than the Platinum ($695) and Sapphire Reserve ($550).

#ritzcarlton #ritzcarltoncard #chasecard #chasesapphirereserve #credit #creditcards #finance #points #amex #amexplatinum

What do you think? Is this the BEST bang-for-buck travel card for the value it provides?! by @finance.quy

2k

67

2 years ago

Day 26
HOW TO EARN THE CHASE SAPPHIRE WELCOME BONUS MULTIPLE TIMES! 💰

Most credit cards allow you to earn the welcome offers once per lifetime. But the Chase Sapphire Preferred/ Reserve are unique exceptions, as you can actually earn the welcome bonuses for them EVERY 48 months.

Here’s how the process works 👇🏼

Step 1️⃣
Find out when you EARNED your first welcome bonus (NOT WHEN YOU OPENED THE CARD).

This is important- do not mix up these two dates! Check your first few statements. It has to be statements #1-3, as you have 90 days to earn the welcome bonus from the time of card opening.

Alternatively, you can simply message a chase representative and they’ll tell you.
“Hi, which statement did I earn the welcome bonus for my Sapphire card on?”

Step 2️⃣
About one week BEFORE you are approaching the 48-month mark, call Chase and downgrade your current Sapphire card to the “Classic Chase Freedom with Ultimate Rewards.” It’s important to use those exact words. This is a specific card that is no longer eligible to new users, but is available if you downgrade (product change). This card is different from, and is the predecessor to the Chase Freedom Flex and Unlimited. We want THIS card specifically because it leaves us the option to earn the welcome bonuses for the Freedom Flex & Unlimited if we wanted to.

We’re also downgrading and NOT outright cancelling our card because we are trying to keep the line open, thereby preserving all of that credit history we’ve built with Chase.

If you’ve already cancelled or downgraded your first Sapphire card before this, you can skip this step.

Step 3️⃣
Once 48 months have passed since you earned the bonus, you’re now re-eligible to earn another bonus! This is your green light to reapply for the Sapphire Preferred or Reserve- with the condition that you’re also under Chase’s 5/24 rule (no more than 5 credit cards in 24 months).

#chase #chasefreedom #chasesapphire #creditcards #credit #sapphirepreferred #sapphirereserve #welcomeoffer #credit #welcomebonus #points

Will you be using this method to get ANOTHER welcome bonus?! by @finance.quy

2k

76

2 years ago

Day 25

Imagine saving thousands a year on annual fees? This is a HUGE perk of being active duty military.

Eligibility:
1. Active-duty members in ALL military branches
2. Dependents: Spouse/children under 21/ children under 23 (if full-time student)

A SUPER handy hack is to add up to 3 loved ones as authorized users (AU) onto your Platinum card ($195 AU fees waived), which will allow them to enjoy luxury benefits like lounge access for FREE. Each AU will also be eligible for the $100 TSA/Global Entry Credit. You have the option to disable spending on these AU cards if you want them enjoy the perks, without putting spend on the card. Authorized users can be ANYONE- your parents, spouse, even your neighbor Tim- but again, you’re limited to 3.

How it works:
Under SCRA, waives annual fees on on credit cards opened BEFORE active duty begins.
Under MLA, waives annual fees on credit cards opened AFTER entering active duty.

You are automatically enrolled in the waiver program once they identify you as a servicemember- worse case, you can call them and verify your active duty status and they will take care of it.

Here are a few credit cards that may NOT be eligible under these laws:
- Business cards
- Store specific cards (third party issuer)
- Smaller credit union cards
- Foreign-issued cards
- Capital One cards applied WHILE in service.
- CITI Bank applied WHILE in service.
- BoA cards applied WHILE in service.

Everything else is fair game.

Your time in the military is one of the BEST opportunities to churn credit card points.

You can get nearly every credit card for FREE, enjoy premium benefits like lounge access, and meanwhile stacking up massive amounts of credit card points without worrying about the high annual fees.

Hope this helps and to all my active duty/veterans,
Thank you for your service!

#americanexpress #capitalone #creditcards #credit #annualfeewaive #free

Did you know about this?! by @finance.quy

695

25

2 years ago

Day 24
This new AMEX Gold credit has mixed opinions from the community and rightfully so- You either love it or hate.

For me, this credit sucks and is a WASTE.

But it doesn’t have to be.

Instead of forcing yourself to go to a DK store every month, you can actually load $7 onto your Dunkin Donuts account monthly and still qualify for the credit.

Let it stack up until you’ve built a large sum, which you can then give away to someone (one less Christmas present to buy LMAO), or just sell it at a discounted price!

Obviously $7 is not much, but the effort to reward ratio is well worth it- and with the new annual fee increase, it doesn’t hurt to try to get as much value back as possible to negate those fees.

#amexgold #americanexpress #dunkindonuts #dunkincoffee #amex #credit

What do you think- will you be using your DK credits, or giving them away with this method? by @finance.quy

1k

63

2 years ago

Day 23
Honestly, how is everyone not raving about this card?

Introducing the Capital One Venture card.

With the current LIMITED time bonus of $250 credit on Capital One’s Travel Portal, alongside the main offer of 75k miles (miles and points are interchangeable), this card has one of the BEST welcome bonuses for a mid tier travel card.

This $250 travel credit ALONE covers more than the annual fee of $95.

Plus, you get FREE TSA PreCheck or Global Entry- valued at $100, to help you get through airport security faster. Trust me guys, during the busy summer months, this perk comes in CLUTCH.

For the spending multipliers- it doesn’t get easier than a versatile 2x miles on ALL purchases, and then 5x on hotels/car rentals on Cap One’s travel portal. Great for those who just want a nice catchall card without worrying about categories.

Let’s look at the math on how net balance:

- 95 (annual fee)
+ 250 (Travel Credit)
+ 750 (75k miles- minimum)
+ 100 (TSA/Global Entry Credit)
= + $1,050 NET PROFIT

The BARE minimum value you’d get from this card is $1,050- but it can be WAY more than that depending on how you actually spend your 75k bonus miles.

#credit #travelcard #capitalone #capitaloneventure

Is this card be BETTER than the Chase Sapphire preferred? by @finance.quy

317

19

2 years ago

Day 22

We all know Amex makes it hard to maximize the value of this hotel credit.

Let me show you the best way to use the credit while spending as little out of pocket as possible and getting the most value.

First, understand how the $200 hotel credit works. There are two collections: the Fine Hotels & Resorts (FHR) and The Hotel Collection (HC). With the FHR collection, you only need to book ONE night to trigger the credit, while the HC requires two nights. This isn’t advertised much, so many people think they need two-night stays for both collections, which is not true.

This is a game-changer because it lets you access luxury accommodations with perks without committing to a longer stay with the HC. The FHR is also better because you get daily breakfast for two, while the HC does not. If your goal is to minimize out-of-pocket expenses while maximizing value, here’s the specific strategy to use.

The key is to book a one-night stay at a hotel in the FHR collection priced as close to $200 as possible. This way, you can use the full $200 credit in one night, minimizing your extra payments. Finding hotels that meet this criteria is not easy these days, as prices have spiked across the board on Amex’s site- but they are out there if you look.

🚨PRO TIP 🚨
For even MORE value, you can stack your $200 credits across consecutive years to effectively use $400 at once.

Here’s how.
Book a stay months in advance for a date in the next calendar year to trigger the credit for the current year. Then, when January of the following year comes, book another stay, possibly at the same property, and enjoy back-to-back nights using both credits.

For example:
1. On September 2024, book a stay at Palazzo for March 1, 2025.
2. Get the $200 credit for 2024.
3. In January 2025, book another stay at Palazzo for March 2, 2025.
4. Get a the $200 credit for 2025.

Now you can enjoy a nice two-day weekend in Vegas, with free breakfast, a $200 property credit, and more, all for $114 out of pocket.

#amexplatinum #platinumcard #platinum #hotelcredit #finehotelsandresorts #FHR #credit

Will you be using this strategy?! by @finance.quy

4k

99

2 years ago