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AskSebby.com
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To use this tool, click "File" (top left) > "download as Excel" and modify the GREEN fields
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Year 1Year 2
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Section 1: Membership Reward PointsMRCashMRCash
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Earning Membership Reward (MR) points
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Sign up bonus of 60k MR for 5k spend
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 Are you able to spend $5,000 in the first 3 months?Yes60,000
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5x points on flights (booked directly w/ airline or Amex Travel)
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 How much airfare spend would you put on this card?1,0005,0001,0005,000
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5x points on hotels (eligible hotels booked on Amex Travel)
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 How much hotel spend would you put on this card?1,0005,0001,0005,000
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1x on everything else
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 How much other spend would you put on this card?4,0004,0004,0004,000
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Total MR points74,00014,000
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Redeeming MR Points
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How would you redeem your 74,000 MR points?
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 Statement credit (0.6 CPP)0.600.60
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 Plenti transfer (0.8 CPP)0.800.80
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 Gift cards (1 CPP)1.001.00
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 Uber (1 CPP)1.001.00
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 Flights on portal (1 CPP)1.001.00
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 Hotels on portal (0.7 CPP)0.700.70
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 Transfer partners (2 CPP)2.074,0001,4802.014,000280
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Total MR used74,00014,000
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Total value of MR (Section 1)1,480MR value280MR value
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Section 2: Financial Perks
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$200 Uber
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$15 Uber credit for Jan to Nov
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 How much do you spend on Uber / month?3030
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 How much do you spend on UberEATS / month?00
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 Value of credit / month1515
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 How do you value it (100% = full value)100%100%
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 Real value of credit / month1515
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 Real value of credit (Jan to Nov)165165
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$35 Uber credit for Dec
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 How much do you spend on Uber / Dec?3030
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 How much do you spend on UberEATS / month?2020
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 Value of credit / Dec3535
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 Real value of credit (Dec)3535
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Total value of Uber200Uber credit200Uber credit
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$200 Airline Fee Credit
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$200 for bags, meals and other incidentals for specific airline
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 How much would you spend on incidentals?200200
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 How would you value it (100% = full value)50%50%
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Total value of airline fee credit100Airline credit100Airline credit
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$200 Airline Free Credit (Year 1 only)
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Since the credit is based off the annual year (Jan to Dec) you
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actually get the credit twice in the first year (for 1 annual fee)
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 Example: April 2017 signup = 2017 credit + access to 2018
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 credit in Jan 2018 (can be used fully) (2nd AF = Apr 2018)
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$200 for bags, meals and other incidentals for specific airline
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 How much would you spend on incidentals?200
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Total value of airline fee credit (2nd credit for Year 1)100Airline credit #2
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$100 Global Entry or TSA Precheck (Year 1 only)
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$100 statement credit every 4 years for Global Entry ($100)
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or TSA Precheck ($85) -- valuing it for Year 1 only
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 How much of the credit are you using ($100 or $85)0
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 How would you value it (100% = full value)100%
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0GE credit
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Total value of Financial Perks (Section 2)400300
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Section 3: Other Perks
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Centurion Lounge
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DFW, IAH, LAS, LGA, MIA, SEA, SFO -- can be used on
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departure or arrival (free food, alcohol, etc.)
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http://thecenturionlounge.com/
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 Example: I'm based in SFO and make 8-10 visits/year
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 I value food at $10/visit + drinks (~2 cocktails) at $10/visit
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 $20/visit * 10 visits = $200
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Centurion Lounge for you + 2 guests
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 What would you value this perk at?200200Centurion Lounge200200Centurion Lounge
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Priority Pass
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Other cards have this so that might affect your valuation
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Priority Pass for you + 2 guests
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 What would you value this perk at?00Priority Pass00Priority Pass
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Fine Hotels and Resorts
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Breakfast, room upgrades, $100 amenity00Fine Hotels00Fine Hotels
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Hamilton Tickets
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Access to $200 tickets (typically sell out immediately and are
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worth $600 to $1,000 on the secondary market)
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 What would you value this perk at?400400Hamilton400400Hamilton
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Dining Collection
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Access to reservations and "Extraordinary experiences"00Dining00Dining
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Return Protection
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Best in-class return protection (they pay for shipping, unlike
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other premium cards) up to $1,000/year ($300/claim)