Booked: Four all-inclusive nights in Cabo worth $2,600 for $202 + 145K points (1.8 cpp)

For the third year in a row, I’m heading to a Hyatt all-inclusive vacation in Mexico with an old friend from Chicago. The past two years, we’ve gone to the Hyatt Ziva Puerto Vallarta.

This year, we’re switching it up and visiting the Hyatt Ziva Los Cabos! I’ve never been to Cabo – and a look at all the restaurants at the hotel was all the convincing I needed.

We could’ve booked PVR again – it all lined up with points – but said nah, let’s visit a new property. After this trip, I will have been to all the Hyatt all-inclusives in Mexico with the exception of the Hyatt Ziva Cancun. And if it’s anything like the past two years, it’s going to be an amazing beach chill-out.

hyatt ziva los cabos with points

Y’all know I can’t pay out-of-pocket for this rn

But I have aggressive financial goals to raise my net worth to $500,000 in the next five years. So there was no way I’d remotely consider paying for this experience.

Instead, I used my points arsenal for flights on Alaska, American, Southwest, and United – and the Hyatt stay itself – with help from Chase Ultimate Rewards points and Amex Membership Rewards points.

Here’s how I saved $2,637 and paid a cool $202 out-of-pocket. A much better price!

Los Cabos with points 2020

Here’s the puzzle I’ve encountered three years running:

  • Get one person from Dallas and one from Chicago
  • To the same airport within an hour or so
  • With a return flight within an hour or so
  • For an all-inclusive hotel stay
  • That are ALL available with points
  • And happen to line up with a weekend to maximize days off
  • In a two-week span of late February to early March

It requires all my spreadsheet and points acumen to cobble together.

Hyatt has all-inclusives in:

  • Cancun (Zilara and Ziva)
  • Los Cabos (Ziva)
  • Puerto Vallarta (Ziva)

Zilara is adults-only and 25,000 points a night, and Ziva is family-friendly and 20,000 points a night. The Ziva I’ve stayed has been amazing – I haven’t even really noticed the kids.

a room with two beds and a ceiling fan

Can’t wait to see how this one compares to the others

Of all the locations, the Zivas were all available. But the only award flights I could find were to Cabo or Puerto Vallarta. The past two years, Puerto Vallarta has been the only thing available, so we jumped at the chance to try a new place.

Checking points prices

It’s easy to see which Hyatt locations are available with points: run a search and click the “Use Points” box. Once you know which dates are available and how many you’ll need, you can arrange your flights around the hotel schedule.

When I book award flights, I always start with Google Flights and the Southwest website for two reasons:

  • If flights are cheap, just pay for them
  • See the most direct routes and best times for your home airport

Southwest has tons of flights from both Dallas and Chicago, and of course Dallas has American and Chicago has United.

For the American flights, I checked:

  • AA website (ugh, the new pricing is awful. RIP AA miles for AA flights)
  • British Airways to see what’s actually low-level
  • Qantas to verify/double-check and also compare prices because they’re both distance-based with different zone bands

For United flights, look at:

  • United’s site
  • Lifemiles (Avianca’s program)
  • Aeroplan

And Southwest shows you everything directly on their website.

Booking Los Cabos with points

I had leftover Qantas points from a recent transfer bonus and wanted to use them for my flight to Cabo (DFW-SAN on American, SAN-SJD on Alaska). You can access Qantas with Amex Membership Rewards points instantly, or Capital One miles and Citi ThankYou points within a few business days.

So I burned what was in my account and topped it off instantly with a transfer from Amex.

Los Cabos with points

Well how bout that – instant booking with British Airways points topped up from Amex

And to get home, I used 9,000 British Airways points also instantly topped off from Amex points.

That flight would’ve been $458 had I paid cash!

a screenshot of a computer

Nope nope nope

My friend had Southwest points and used 12,870 of them to book her own nonstop flight to Cabo. And try though I might, I could only find a nonstop flight back on United using United miles. Why?

a screenshot of a computer

This is one of the reasons I keep the Chase United Explorer card

United has hogging the best-priced award flight (which was also nonstop) for elites and Chase cardholders.

a screenshot of a phone

Or you can pay $287

The retail cost for this flight was $287. But I have lots of United miles from various promotions and bonuses, so I was happy to snap it up at that award price.

Finally, the hotel cost 80,000 Hyatt points. I had some in my account and transferred the rest from Chase Ultimate Rewards points. Remember when I got the Chase Ink Business Preferred a few months ago to earn 80,000 more Chase points?

Chase Ink Business Preferred100,000 Chase Ultimate Rewards points
• 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines each account anniversary year

• 1 Chase Ultimate Rewards point per $1 on all other purchases

• Bonus is worth $1,250 toward travel booked through Chase
• $95 annual fee• The minimum spending requirement is $15,000 on purchases in the first 3 months from account opening
• Amazing small biz card with best-ever offer right now• Compare it here

I saved $1,585 on the hotel stay with the points I already had plus what I transferred.

a screenshot of a menu

How about $0?

That comes to 2 cents per point in value, which is what I always strive for with Chase points. Plus I won’t have to pay for food or drinks for five days and four nights, and that’s pretty dang sweet.

Los Cabos with points – by the numbers

Here’s how it worked out:

  • DFW-SAN-SJD: 26,000 Qantas miles + $36 / Retail: $265
  • MDW-SJD: 12,870 Southwest points + $36 / Retail: $244
  • SJD-DFW: 9,000 British Airways points + $65 / Retail: $458
  • SJD-ORD: 17,500 United miles + $65 / Retail: $287
  • 4-night stay at Hyatt Ziva Los Cabos: 80,000 Hyatt points / Retail: $1,585


  • 145,370 points/miles from Amex, Chase, Southwest, United, Hyatt
  • Retail price: $2,637
  • Out-of-pocket cash copays for flight taxes and fees: $202
  • Final cpp value: 1.8 cents per point ($2,537 – $202 / 145,370)

Some thoughts. Even though it doesn’t look like an amazing points value on the surface, it is to me.

I was able to make use of a double transfer bonus (Citi and Qantas were both offering bonuses on points transferred to Qantas). So if you’re thinking, yeeesh, 26,000 Qantas miles for those cheap flights? Yes – I actually got a great deal to get them. Easy come, easy go.

I had British Airways points let over from a bonus too. And the Hyatt points in my account were from work trips, so I didn’t have to pay for or earn them in any way.

Lastly, I was happy to use a perk of my Chase United Explorer card and snag a great nonstop flight for my friend that wasn’t available anywhere else. So with that considered, it’s like another little bonus.

Another reason to check AA flights on Qantas

My flights to Cabo are DFW-SAN on AA and SAN-SJD on Alaska. You can technically book Alaska flights with British Airways points but can NOT search award space on their site (and you must call to book).

This isn’t the case with Qantas. You can see AA and Alaska award flights already linked as an itinerary and you can book directly on the Qantas site. Actually, I didn’t even see this routing option on the AA site either. So it’s worth checking in a few different places to see:

  • What’s actually available
  • How you can string them together for an award
  • Routings you wouldn’t otherwise be aware of
  • If award space is phantom or verify it in a couple of spots

    a screenshot of a flight schedule

    From the Qantas website – all bookable. Pretty cool

In particular, AA, BA, and Qantas can all book Alaska flights (and so can Singapore). So if there’s an Alaska flight that can help you out, I thought it was cool that you could see it laid out so nicely on the Qantas website. Just little tips from one award booker to another. ✌️

Bottom line

So excited for third Mexican vacation in as many years. They have been so good to ease burnout and soothe my heart post-breakup. This year, I’m in a great place mentally and emotionally – I just want to save money and still experience that salty air and crashing waves on the beach.

The total cash outlay was only $202 – so I paid a cool $101 for my half (we went dutch). I had points and miles tucked into so many little pockets that I was able to patch this trip together and still have plenty left over for more trips later this year (I also booked an award trip to this year’s FinCon in Long Beach!).

In some ways, miles are getting more expensive to use but easier to earn. Booking this trip made me reflect on all the bonuses I’ve taken advantage of and promos along the way. Also AA’s dynamic award pricing is such garbage. I hate it. 😡

The biggest hurdle was lining up award flights with dates and times. It required all my savvy with spreadsheets and award searching to piece this trip together. But who doesn’t love spending a Friday night running dozens of searches? Ermmmm, just me? 😅😬

The cash cost on this trip would’ve been $2,637. That isn’t and never will be in my budget. Instead, I paid with points and got my cost down to just $101. THIS is the intersection of points and personal finance. Truly. Aside from rideshares to and from the airports (and dog boarding), it’s the only cash I’ll spend on this trip. And I even have ways to save on those expenses.

So now I can’t wait to review every. single. restaurant. at this hotel. We fly out in a few short weeks!

If you’ve been here, did you love it? How does it compare to other Hyatt all-inclusives? 

* If you liked this post, consider signing up to receive free blog posts in an RSS reader and you’ll never miss an update!
BEST Current Credit Card Deals
  • Capital One Venture X Rewards—Earn 90,000 Venture miles once you spend $4,000 on purchases within the first 3 months from account opening, plus a $300 annual statement credit for travel booked through Capital One
  • Ink Business Preferred® Credit Card—Earn 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first 3 months and 3X bonus points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Amex Blue Business Plus—Earn 15,00 Membership Rewards points once you spend after you spend $3,000 in purchases in the first 3 months of Card Membership and 2X bonus points on up to $50,000 in spending per year with NO annual fee
Open a savings account with Yotta and play the lottery every day—for free. Get FREE tickets with a new account!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

About Harlan

Just a dude living in Memphis, traveling, and working toward financial independence.

More articles by Harlan »



  1. Hate to hear about AA I have some miles I haven’t used so doesn’t give me much hope:(. I’d love to try one one Hyatt’s AI especially PV, it’s the route to go not having to worry about food and drink expense!

    • Hey Boonie! AA miles aren’t totally useless – you can still use them for long-haul flights in Business with a partner, like Qantas and JAL (when there’s space). But yeah, flights on AA itself are mostly a bust unless you find a unicorn. :/

      And heck YES to AI – sooo nice to eat and drink anything you want and then walk right out. I’m always like, “wait, we didn’t pay!” and then it hits me. lol :p

    • Thank you, Craig! I’d ask if you have any tips on what to do there, but I don’t plan to leave the resort lol. I’ve got some free weekends coming up – let’s catch up if you’re in town, too!

  2. That is so misleading, it didn’t cost you $100 per person at all. There is a value to points and an opportunity cost that is equal to cash value that you just totally avoided to make your article click bait. I expect better man.

Leave a Reply