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Stacking Hyatt offers: A month stay for $1,100 & net zero points + Globalist status

April 16, 2021 by Harlan 8 Comments

Hi from Memphis! I have about a week left here. The last few weeks have been filled with family visits and wayyy too much home cooking (if that’s even possible?).

Next Sunday, I’m heading to Nashville for a month to stay at the Hyatt Place Nashville/Hendersonville – a Category 1 Hyatt hotel, meaning award stays are 5,000 Hyatt points per night.

A month of free Hyatt breakfast and unlimited coffeeeeee

I’ll be there for 29 glorious nights, visiting local breweries, walking nearby trails with my dog, and seeing what Nashville is all about.

For the 29-night stay, I paid $1,158 and 70,000 Hyatt points. But thanks to multiple deals going on right now, I’ll get all 70,000 points back – and come out on the other side as a Globalist (Hyatt’s top elite status tier) and with an extra free award night. Which means my “rent” next month is $1,158, plus I get free breakfast and coffee every day, access to a fitness room and pool, free toiletries, and room service.

Here’s how I did it.

Stacking Hyatt offers for a one month stay

The best card for beginners has a sign-up bonus worth $1,000 – and easily MUCH more (And I just got it again!)

March 26, 2021 by Harlan 5 Comments

If you haven’t had the Chase Sapphire Preferred yet – or if you’re eligible to get it again – the new sign-up bonus of 80,000 Chase Ultimate Rewards points is worth – at a minimum – $1,000. And really $1,050 because it also comes with $50 of grocery store credits in your first year of account opening.

And how are we getting to that $1,000 figure? Chase Ultimate Rewards points are worth 1.25 cents each when you redeem them toward travel through Chase, so 80,000 x 1.25 = $1,000. You can book flights, hotel stays, even cruises through the Chase Ultimate Rewards site. Set your payment to points and 80,000 of them are worth $1,000. 💥

The Chase Sapphire Preferred was my first points card – and I just got it again after all these years

That’s an amazing sign-up bonus on its own. And can be worth soooo much more when you transfer your points to Chase’s travel partners, which include Southwest, United, and Air France.

But the best transfer partner? Wait, lemme start a new section for all that. 😛

Chase Sapphire Preferred 80K bonus

Amazon bank points deals: Save big by using 1 Amex, Capital One, Chase, or Citi point (YMMV)

December 13, 2020 by Harlan Leave A Comment

I’ve been using bank points of all kinds to save on Amazon purchases recently and wanted to share. This next week is the last dash to purchase gifts before the holidays, and in many cases you save big bucks by adding these promotions to your account and redeeming a single bank point.

These deals come and go frequently. Sometimes I’m targeted, other times not. Still, I always check to see if I’m targeted and add the promotions to my account.

I didn’t need anything the last time I got an offer, so I stocked up on dog food and called it a day. In that way, it’s great to save on basics or things you absolutely know you’ll need in the future. And of course, gifts! 🎁

Save money on Amazon by clicking a link and activating a promotion – as easy as it gets

Y’all know I’m all about the quick, easy wins. And well, this is about as quick and easy as it gets.

Amazon bank points deals: How to use them

Booked: A Texas Road Trip to Austin & Big Bend National Park

October 23, 2020 by Harlan 2 Comments

I don’t post industry news – and as most of the world remains closed to Americans, I’ve withdrawn inward. Instead of planes, I’ve found solace in my car during the pandemic. My last trip was to Arkansas, and that was back in July.

I’ve been mostly shut-in, but am venturing out again, feeling more empowered and eager to explore. A wandering soul needs to wander.

My next trip is to Big Bend National Park via Austin at the end of this month. Two nights in Austin at the Hyatt Place Austin-North Central, then three nights in Terlingua, TX at this cute Airbnb cabin outside the entrance to Big Bend. Then back to Dallas through Midland and Abilene.

The lil cabin I booked in Terlingua, TX

I used Hyatt points and a free night credit from my Chase World of Hyatt card for the two nights in Austin, so they were completely free. And paid for the Airbnb with my Chase Freedom Flex via PayPal, which is a 5X Chase Ultimate Rewards points category in Q4 2020.

That Freedom Flex is a beast, I’m tellin’ ya

The only expenses I’ll have on the trip are gas, food, and pet fees at the Hyatt hotel. I’ve been wanting to visit Big Bend for as long as I’ve lived in Texas.

I took election week off to spend in nature and take a break from all the media and craziness. Coincidentally, I’ll be in Big Bend for Day of the Dead this year.

Texas road trip 2020

Chase Freedom Flex Vs Freedom Unlimited: Which Is Better for Your Spending?

September 18, 2020 by Harlan 6 Comments

Chase has 2 great no annual fee cards that pair nicely with premium Ultimate Rewards cards: Freedom Flex and Freedom Unlimited.

The Freedom Flex card earns 5X Chase Ultimate Rewards points in rotating quarterly categories on up to $1,500 per quarter in combined spending. The Freedom Unlimited earns 1.5X Chase Ultimate Rewards points on all purchases with no cap.

Really gonna depend on bonus categories and how much you typically spend

Lots of peeps ask which is better. To which I always answer: it depends on how much you like the bonus categories. But there’s a longer answer beyond that: how much to you plan to spend on the card each year?

Let’s talk about the break even point and which is better for your finances.

Chase Freedom Flex Vs Freedom Unlimited

5 Easy Ways to Earn Points for Airbnb Stays (Updated 2020)

August 6, 2020 by Harlan 4 Comments

My friend Meghan asked if I knew of any ways to save on an Airbnb booking. I gave the obvious one – get up to $35 off a booking with a new account.

New to Airbnb? Save $20 off your first $200+ stay, plus get $15 off your first $50+ experience booking

Most everyone has an Airbnb account by now. But if you don’t, here’s my link if you’d like to sign up (and I’ll get a $10 travel credit as well).

That’s honestly the biggest savings. Still, there are other ways to get a return on your Airbnb stay: earn points or miles for it. Depending how you like to redeem them, you can get big value by stacking a few of the methods I’ll tell you about.

Lezz begin, shall ve?

5 ways to earn points and miles for Airbnb stays

What’s your credit card and points strategy these days? (The 3 cards I want now)

July 25, 2020 by Harlan 11 Comments

I’ve always said, “earn and burn.” Meaning earn your points and miles, then burn them in short order. I keep my points balances low – having 100,000 points is a good enough minimum cushion for me.

Because with that amount, I can get to most places in business class one-way (and to a few in business class round-trip). It’s also enough for me to begin planning a trip. And if I need more, I can start earning what I’ll need. Usually, the easiest way is to open a new credit card.

I’m accumulating points but have no idea how to use them

These days I can earn, but there’s no way to burn. I have a few cards I want, but keep waiting to apply for them. It feels pointless to have a storehouse of points and miles when most places are closed to Americans and there’s uncertainty about when we can travel again.

But my wanderlust is kicking up big time and I know when I’m able, I’ll be off like a rocket. 🚀

I’m torn between earning lots of points while I’m still in lockdown and waiting to see what happens. Who knows what devaluations and program changes are coming down the pipeline, especially with basically every airline and hotel chain massively struggling right now? It’s keeping me in a holding pattern. Not only with this topic, but with pretty much everything.

My current credit card strategy

Inventory: The 23 credit cards I currently have – and why

July 24, 2020 by Harlan 8 Comments

Dang, the last time I did a full credit card inventory was three years ago. Can you believe?

Back then, I had 29 cards. These days I have 23, and currently have my eye on three more (ironically, all cards I’ve had before: Chase Sapphire Preferred, Citi Premier, and US Bank Altitude Reserve).

Of the 29 I had, some I closed, some were discontinued, and others were canceled for me. And I still have a lot of them today. Let’s hop to it!

Recent mainstays

I set up each section with:

Name of card – annual fee amount – # of years I’ve had it – keep or cancel

Amex

Balance transfer cards 2020: A godsend when you need more time (but don’t fail the test)

January 8, 2020 by Harlan 6 Comments

Hi lil lovies. The holidays were wild, eh? I’m writing this in a medicated haze with flu-like symptoms. But I wanted to write. And I’ve been meaning to talk about is how I’m using balance transfer cards to:

Meet my current financial goals (which I need to update)
Smooth out large, unexpected expenses (like when my AC quit in July and I had to get a new HVAC system)
Give myself a jump-start to purchase big items when I want them (I bought myself a rowing machine because I really really wanted one and I’ve been using it regularly)

This is because I didn’t have enough in a savings account, which will change this year. So hopefully I won’t have to rely on them in the future.

But for now, they’ve helped me consolidate a lot of balances spread over several cards with big interest rates. I paid a one-time balance transfer fee, and have a 0% APR rate through April 2020. So I haven’t paid a dime of interest since. And honestly? It’s been the one thing that’s given me time to get caught up.

Balance transfer cards aren’t a perfect solution. But they’ve bought me time and helped me avoid a ton of interest while I got my plans together

The test, of course, is paying them back before the 0% promotional rate expires. If you don’t, you’re right back to where you started. 🌀

The good thing is these rates are a year or more (usually more). A lot can happen in a year.

While I’m glad balance transfer cards have been available to me as a financial tool (which is absolutely how I think of them), moving forward I want to depend on savings rather than having to buy myself time.

Balance transfer cards 2020 – should you, could you, would you?

Yes! Just Got the Chase Ink Business Preferred 80,000-Point Offer!

September 10, 2019 by Harlan 6 Comments

The Chase Ink Business Preferred offer in this post is NO LONGER AVAILABLE. Click here to see the latest travel card deals!

On September 1, I applied for the Chase Ink Business Preferred 80,000 points offer. And lord, it was a long time coming. I’m now under 5/24 for the time in eons, and haven’t opened a new Chase card in literally years.

I was nervous to apply after so long. But the chance to snag 80,000 valuable Chase Ultimate Rewards points was too much to pass up. And applying for new credit cards is seriously better than any drug for me. So I was getting that sweet adrenaline fix after submitting my application and watching this screen:

Serotonin and dopamine ACTIVATED

Then was disheartened at this message:

YOU’RE WELCOME FOR MY REQUEST

Dang it. I knew this screen was common and the best bet was to sit tight and wait it out. I figured I’d give it a couple of weeks, and check back.

NOT. (Did you really give me credit for being that chill? 😹)

You know I logged into my Chase online account 4,000 times a day hoping the card would appear. After a week, I started to get down on my luck. After all, I already had seven other Chase cards. Would they really give me an eighth?

But then!

A white unmarked envelope from Westerville, Ohio, appeared in my mailbox. The joy and horror when I saw it!

Was it a thin rejection letter or a fat welcome packet? My fingers reached at warp speed. It was a fatty! There was a card inside! Perhaps it was a cruel marketing scam? Could it be?

I ripped through the paper and just starting laughing right there at the mailbox. I couldn’t believe it.

Just like that, I was back in the game. I had a new Chase Ink Business Preferred in my hot little hand.

Chase Ink Business Preferred 80,000 points offer

Using Points for Emergency Travel: Why Having a Stash Is a Huge Relief for Same-Day Flights

May 19, 2019 by Harlan 10 Comments

What a week. Just got back from Memphis. Last Friday, I got one of those phone calls. One of those drop everything and fly home right this minute phone calls.

My dad was in the ICU with a brain lesion near his optical nerve – and no one knew why. Doctors thought it could be anything from a simple infection all the up to brain cancer. He had to have biopsy surgery to find out.

Tickets home were $659 round-trip, or $329 each way. I didn’t want to spend the cash, so I went to my usual tricks: using miles and points to fly cheap or free.

I threw clothes in a bag and headed to the airport. This was the first time I’d ever had to fly back so quickly. It was a bizarre experience I don’t want to repeat any time soon.

And it showed me why having a stash of points ready to use at all times is so important for these situations.

I hate hospitals. Using points got me home the same day my dad went to the ICU

Here’s the series of quick steps I used to fly home right away.

When you have to fly immediately, having points for emergency travel can help so much

The Top Card for Beginners? Yeah, the Chase Sapphire Preferred

May 6, 2019 by Harlan 11 Comments

I’m sure it’s happened to you at some point. A friend asks, “How do you do it?” Take all these trips to places like Hawaii, Tokyo and Osaka, Dublin, Barcelona, and more. How do you get free hotel rooms that cost hundreds of dollars a night?

“I want to travel like you do,” they say. “Where do I start?”

And you have that moment where you’re thinking, “Well for starters, using that debit card for everything you buy isn’t helping anything.” *cough*

You ask about their spending habits. “Do you shop online?” Definitely use a shopping portal – get free miles for clicking a link.

You can stay at the Hyatt Ziva Puerto Vallarta for FREE with Chase Ultimate Rewards points

And sign up for dining rewards while you’re at it because you never know when you’ll get some extra miles in your account – especially if you live in a mid-sized to large city.