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Would getting a Total Rewards credit card be worth it for me?

Discussion in 'Comps' started by AceRothstein80, Feb 5, 2017.

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  1. AceRothstein80

    AceRothstein80 Low-Roller

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    So, I go to Vegas on average, I'd say 1.25 times a year(some years 1x some 2xs)

    I primarily play poker, craps, video poker, blackjack, and very rarely will play a slot. I have never been platinum. Generally I can get 1-2 nights midweek free, and relatively good prices on weekends, for the lower tier properties in Vegas. I never get any kind of free show or food credits ahead of time.

    I read the info on the TR visa. I feel I can easily hit the parameters to remain platinum through the card(no annual fees and I'd pay off balance monthly, so no costs to me)

    So, would it get me better room rates on the front end, maybe even at Planet Hollywood or Caesar's? Platinum would save me parking fees in the garage once they kick in right? What other bennies would I get? Maybe combining the points + whatever play I do, maybe more free food credits?
     
  2. Hogman

    Hogman VIP Whale

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    The card will not improve your offers. But you would get platinum benefits.
     
  3. fasbman

    fasbman High-Roller

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    Another good thing is that you wouldn't lose any reward credits due to inactivity, as long as you use the card at least occasionally (I think that you have to earn/use reward credits at least every six months to avoid losing them).
     
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  4. AceRothstein80

    AceRothstein80 Low-Roller

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    Yes that would be a key, not losing my points.

    I just was wondering, if adding the CC points, to my current gambling activity, would together add up to better offers.

    For me, my main thing, is I like the come on for room rates. I'm never concerned with show tickets or back end stuff...I rather gamble to win than to earn comps. But I just like getting into a room as cheap as possible.
     
  5. easy_money

    easy_money High-Roller

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    Getting TR Visa card has no effect on room rates you receive or your offers. COMPed and/or discounted rooms are based on your play or gambling activity.
     
  6. nostresshere

    nostresshere Mr. Anti Debit Card

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    Offers are based on play.
    Not on tier.
    Not in Reward Credits
    Not on Line of Credit

    Offers are based on play/theo/adt.
     
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  7. Drewm1972

    Drewm1972 VIP Whale

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    Any CET OR MLIFE CREDIT CARDS BENEFITS are big joke.... sorry for those who has it and may disagree with me but matter the fact, there's another credit cards out there has much better benefits - such as chase freedom or citi double I can't imagine risking my valuable FICO score to get that credit card. So do not get the cards....offers will be based on your play maybe enjoying some benefit. Again I'm sorry for those who has the cards who disagree with me.
     
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  8. jgates8

    jgates8 VIP Whale

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    If you are paying out of pocket, the RCs you earn from using the card can then be applied to that. You would also be ahead by the parking fees if you definitely have a car.

    I have not picked up the card myself. I have a few Chase cards - SW Airlines, Sapphire & Marriott. The best 'bang' by far is the SW card. My last 3 trips have been 17,000-19,000 miles each for a $350 or so fare. So getting close to a 2% return on that. My standard daily is the Sapphire which is only 1% but just straight cash back. I normally save that up until I have 400 - 600 and then redeem. Using that for vacation etc. Won't give up my Marriott card either, although it is probably the least bang as far as return value.
     
  9. nostresshere

    nostresshere Mr. Anti Debit Card

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    I am also in the boat if avoiding Mlife and CET credit cards. The points are good only at their casinos, and then at only 1%. Get cards with big signup bonuses and/or at least 2% cashback.

    We actually get a new card every 3-4 months, earn the 50,000 points and then move on to another. We then fly for free, usually in first on multiple trips a year.
     
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  10. deansrobinson

    deansrobinson VIP Whale

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    I signed up with TR back in March of '16. I think I'd get more out of it if points were accrued more in line with CapOne or Citi (e.g. availability and non-expiring) rather than purchases within the network. Since we only get to LV about once per year, it's not really worth for us. Sooo...I transferred my TR balance to another card, got a fistful of airline miles and am going that way. I just feel that we fly more than we specifically visit Vegas, and as such, the TR perks are not as valuable as miles. If we visited Vegas more often, I might feel different, but ... :cool:
     
  11. ken2v

    ken2v The Masque of the Red Death

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    So many reward CCs out there. Hard for anyone to judge the relative value to you, however. Air miles are the bomb for us, for instance, and specifically Alaska.
     
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  12. shokhead

    shokhead No big spender unless eating drinking having fun!

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    Love my TR Visa. We don't pay a dime for meals, snacks, drinks, spa and other things.
     
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  13. nostresshere

    nostresshere Mr. Anti Debit Card

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    That is true. Just realize you are basically getting a 1% cashback on that card. If it works, then great.

    If you spending enough to get meals, snacks, drinks, spa and other things free, then I have to assume you are spending LOTS of money on that card. There are lots of cards that will give you more than 1% back.
     
  14. nostresshere

    nostresshere Mr. Anti Debit Card

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    Transferred balance? What exactly?
     
  15. spdandpwr

    spdandpwr VIP Whale

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    you get what is the equivalent of 1% cash back. The only instance where the card makes sense is if you use it to book rooms, as you'll get 5% cash back. However, if your play already allows for comps, the benefit is negated (save for earning 5% on resort fees). Personally, I see no value in the card and there are much much stronger reward / loyalty cards out there. Truthfully, Commenity Bank (the underwriter) has some of the least competitive cards and the highest rates
     
  16. grosx2

    grosx2 Have fun storming the castle!

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    Benefits not worth it compared to the vastly superior earning power of other cards. Between my four Chase cards (sapphire reserve, freedom, freedom unlimited, ink), I am earning points faster than I can spend them.

    Also, if you are considering a SW card, go with the above combo, or at the very least, a chase sapphire reserve or preferred. Either of those cards blows the SW card out of the water.
     
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  17. STPFan

    STPFan High-Roller

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    I do a lot of mile/points/cashback cards. Total Rewards does have a place for us. I use spreadsheets to determine the best return on my spent money.

    Here are some pluses for this card in addition to what was already pointed out.
    • 2% back for groceries and gas.
    • They regularly have bonus spend offers if you use the card regularly. This month we had an offer to spend $600 outside of total rewards and get 3000 bonus points in addition to our regular points. Oct through December had 3% back on dining.
    • When you use your reward credits at a total rewards restaurant directly you don't pay taxes since it is considered a comp. I may be wrong, but aren't the taxes around 8%. $8 of additional savings per $100 is worth considering. Not sure if you save taxes on room stays or spas. I never looked at those to see.
     
    Last edited: Feb 6, 2017
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  18. shokhead

    shokhead No big spender unless eating drinking having fun!

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    It's our main CC with auto bill pay. It works for us.
     
  19. ken2v

    ken2v The Masque of the Red Death

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    It might be leaving money on the table but let's face it, some of us are lazy; I know I am. Doing the this card/that card rollover game ain't in my wheelhouse. It works great for others. Who knows the many ways we all might step over a dollar to pick up a dime??
     
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  20. shokhead

    shokhead No big spender unless eating drinking having fun!

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    Well I use cash way, way more then a CC. Never owned a debt card and never used a ATM.
     
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