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Personal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred Rewards

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Making progress on PR status for DW. She's up to platinum status. Slowly but surely getting to the PH level. 50% bonus for the time being to the 2% (or 2 points on the PR card), and the 3% (or 3 pt on the PR card).
I am intrigued by needing PH for DW. This is assuming you have it yourself.

My plan has been to add my fiancée as an Authorized User once married. I have PH status. I have the PRE, PR (which I will likely change to another CCR), and CCR.

Would my Authorize User get the same 75% bonus I get? Is there a reason other than the signup bonus to get her PH status?
AU gets same bonus but if DW is PH can get own cards and increase total quarterly limits on CCRs for example (can get more cards faster with two individuals applying).
Exactly. This was the reason for wanting own CCR for wife -> increase our quarterly limits. I already have 3 CCR (1 CCR, 1 affinity - Cal Berkley, 1 affinity - SGK). So far, easily blow through the 5000/qtr with 2 cards set to online shopping with our Costco spending, and even with the third one varying the 3% category b/w online shopping, and travel, and added to the 2% category for grocery stores, we have hit our 2500 limit on that card as well. Thus, I could have applied for yet another CCR, but I figured about time I get my wife some cards as I was also planning on the PR card (for the TSA benefit; and I figured if she gets that, then I might as well see if I could convert my UCR into a CCR) and applying simultaneously for a CCR for her.

Statistics: Posted by bbrock — Sun Jun 09, 2024 2:12 am — Replies 7580 — Views 1005205



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