chase

Tag Archives for chase.

3 Days Left to Save Money on Christmas Gifts With Amazon Prime!

Also see: 

There’s a lot going on with Amazon right now in terms of deals:

  • 10X Chase Ultimate Rewards points (10% cashback with Chase Freedom, if you activated the offer in time)
  • 10% cashback with Discover It (5% back now and 5% back after 12th billing cycle for new cardmembers)
  • Amazon’s own deals – which are fantastic

The chance to get 10X Chase Ultimate Rewards points (which turn into 10X United Airlines miles, 10X Hyatt points, 10X Southwest points, etc. when paired with the Chase Sapphire Preferred or Chase Ink Plus) is too good to pass up. It’s a big reason why the AMEX Jet.com offer is on hold for me.

adas

3 days left for Prime 2-day shipping

If you’ve put off last-minute gifts, this is a *perfect* weekend before Xmas to knock out last-minute shopping with Amazon Prime membership (you could even buy it today and start using it right away if you really wanted to!).

Tons of good deals

Read More

Taking Another Look at Hilton, Hyatt, and Diamond Elite Status

Also see: 

To begin, I must say I’m disappointed I wasn’t one of the lucky ones to receive Hyatt Diamond status. Although I did luck out with Hilton Diamond status.

I realize I’ll likely sound like a spoiled brat whining about something I didn’t get for free. Especially when others have spent much more time and money to actually earn the status. That said, the way Hyatt handled the Diamond status match – from free-for-all to the later restriction to only match SPG Platinum members, and all the missteps in between- was very mishandled.

Booooo

Booooo

Hyatt had an opportunity to capitalize on the SPG/Marriott merger and they blew it – unless you got the match, then you win. I likely would’ve gone out of my way to stay with Hyatt more in 2016 and beyond. This whole thing has left such a bad taste behind that it makes me want to actively avoid Hyatt, and only use them for free award night stays.

Although I think what Hilton is doing is genius, at least from a marketing perspective. And, let’s face it: Hilton has a much larger footprint than Hyatt (4,100+ hotels compared to ~600). And Hilton is in every place there’s a Hyatt with few exceptions.

For example, there are NO Hyatt hotels in Barcelona (where I’ll be in a few weeks). But there were 4 Hilton options:

Furthermore, the next time Hyatt has a Diamond status challenge to stay 12 nights, I won’t even consider doing it (even though you can complete it with only 9 nights if you have Citi Prestige). Why would I spend $1,000 on something so many others got for free?

Anyway, that’s my preamble – just wanted to clear the air here. Again, I completely understand I don’t “deserve” the status in way. It just sucks to see so many get it for free, even though my credentials where enough – at one point – to get me in, too. A case of “early bird gets the worm” if there ever was one.

But now, I’m taking another look at Hilton, as I expect to have more paid stays there, at least for now. And, it’s not as bad as you’d think.

Hilton Diamond Vs Hyatt Diamond

Read More

Limited Time: Get $5 When You Sign Up for Ibotta Shopping App and Redeem 1 Rebate

Also see: 

Just a quick tip.

asda

Free $5 for signup up to Ibotta

For a limited time, you’ll get $5 added to your account when you sign up for Ibotta and redeem 1 rebate. (Full disclosure: when you use my link, I’ll get $5 too, so thank you for clicking through with it!)

This is an easy way to get a few bucks, but know you can’t transfer the cash out of your Ibotta account until you reach the $10 mark. You can transfer to your PayPal or Venmo accounts once you do. And it’s relatively easy to earn money with the app.

What’s Ibotta?

Read More

A Step Beyond Foreign Transaction Fees: Bank Exchange Rates Affect How Much You Pay Abroad

Also see: 

The other day, when I wrote about my experience booking a hotel room in Martinique, I pulled up the Mercez app to see what exchange rate I’d get on $1,118 Euros with the Citi Prestige card.

Lots of cards advertise “no foreign transaction fees” which means they don’t add extra fees to the amount they convert.

Mercez tells you the real rate for each of your cards

Mercez tells you the real rate for each of your cards

But what’s interesting is not all banks convert cash at the same rate.

The amounts can add up, especially if you spend a lot (or live) abroad.

Rates according to Mercez

Read More

5 Hyatt Category 4 Hotels Where the Hyatt Card Annual Free Night Rocks

I’ve had some pretty good experiences with Hyatt points, even though the way they handled their recent Hyatt Diamond promo was a disaster. #jaded

Anyway, one can have a finite number of Chase cards, but I choose to renew the Chase World of Hyatt card year after year.

That’s because you get a free night certificate when you renew the card each year, and it’s good at Category 1 through 4 hotels. So obviously, I try to use them at Category 4 properties to get outsized value.

Last year, I gave my free night away to Jay’s grandparents for a night at the Hyatt Regency St. Louis at The Arch (which is a Category 2), because the certificate was about to expire and it was their anniversary. Jay and I both have the Chase Hyatt card, so we gave them 2 nights at the hotel. They loved it!

hyatt category 4 hotels

New year, new options!

I just renewed the card again and paid the $75 annual fee, so I thought I’d take a spin through the Category 4 hotel list to see where I might use the annual free night in 2016.

I found at least 6 hotels where you’ll recoup the annual fee 4x over… or more. It got me thinking.

Never change

Never change

Oh, and because these are all Category 4 hotels, you can also redeem 15,000 Hyatt points for a free night. In many cases, you’ll get over 4 cents per point in value!

5 Hyatt hotels worth 4x or more than the annual fee on the Chase Hyatt card

Read More

Easily Save Money With Paribus and Giving Assistant

Also see: 

I’ve been shopping at Amazon.com a lot recently (for things like rose petal water), and have gotten a few bucks back here and there.

I liken it to seeing a buck on the ground. It’s not a lot, but you’re definitely gonna pick it up, right?

It’s kinda like that.

Were going into Q4 on Thursday, October 1st, which is a big day for Amazon shoppers and means:

  • 5X Chase Ultimate Rewards points on the Chase Freedom + 5% cash back 
  • 15% cash back possible with Discover It

There are 2 services that’ll boost your Amazon shopping experience and maybe give you a few bucks back.

Paribus

Read More

Chase Ink Plus Vs. Ink Cash: What Are the Differences?

Update: The Chase Ink Plus card is no longer available. Check here for the most current card offers

I haven’t written about the Chase Ink cards very much, but I’ve been thinking about picking up a Chase Ink Cash lately. I already have a Chase Ink Plus. It’s possible to get both because they’re technically different card products.

They have a lot in common. But there are a few differences that make or break the value you’ll get from them.

Biggest similarities

Read More

Chase Is Crackin’ Down on Churners

While reviewing the new T&Cs of the:

  • Chase Ink Cash
  • Chase Ink Plus
  • Chase Sapphire Preferred

…I noticed some new language I hadn’t seen before:

Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing.

Here’s a screenshot:

asdad

It’s under “Replying to this offer”

Why this is interesting

Read More

Discover it® Cashback Match™ Is an Amazing Cashback Card (For the 1st Year at Least)!

Also see: 

My new Discover It card came in the mail this week, in very nice packaging.

I activated it online and got about to exploring Discover Deals now that I have full access.

And I might have to change my tune now.

I’ve long heralded the Fidelity AMEX as the best cashback card.

But now I’ll refer to it as the best ongoing cashback card. Because, the 1st year at least, the Discover It has it beat by a mile.

I’ll still get great use out of the Discover It card the 2nd year, albeit much reduced.

The 1st year, this card is good for an easy $600, at least. And I’m even thinking this no annual fee card has the potential for over $1,000 back.

Getting the Discover It card

Read More

No Annual Fee Cards + Personal Finance: Why You Need (At Least) One

Also see: 

Like it or not, in this country you need good credit. It’s as avoidable as death or taxes. As in, not at all.

Starting out with credit cards, you’ll encounter a catch-22: you need good credit to get a credit card, but you need a credit card to build good credit.

No annual fee cards are NOT boring. In fact, they have some innovative rewards!

No annual fee cards are NOT boring. In fact, they have some innovative rewards!

A good place to start is no annual fee cards.

For beginners

Read More

Chase IHG MasterCard Sign-Up Bonus Counts Toward Spire Elite Status!

Also see: 

Update 7/13/15: Some peeps are reporting their sign-up bonus is NOT counting toward Spire elite status. I got my Chase IHG MasterCard in February of 2015. If you got the card this year, it’s worth checking to see if the sign-up bonus counts toward Spire status. Also, for some at least, ALL of the spend on the Chase IHG MasterCard counts toward Spire status!

I was all hot-n-heavy for IHG for a second there. I was targeted to receive 80,000 IHG points on the Chase IHG MasterCard and I thought you know what, OK. So I got it, met the minimum spend and then… never used it again.

I logged in today to see how many IHG points I had, and noticed I’d been upgraded? To Spire?

I mean, yeah, that's cool

I mean, yeah, that’s cool, but… how?

Then I dug a little and realized…

The sign-up bonus counts toward Spire

I haven’t stayed at an IHG hotel since the fantastic InterContinental in Sydney.

All I did was get the Chase IHG MasterCard, register for the “Set Your Sights” promo, and meet the minimum spend.

But apparently the 80,000 points I earned from the Chase IHG Visa overqualified me toward Spire, which requires 75 nights at IHG hotels or 75,000 elite qualifying points.

All points earned from the Chase IHG Visa, including the sign-up bonus, counts toward Spire status

All points earned from the Chase IHG Visa, including the sign-up bonus, counts toward Spire status

Here’s literally all of the activity in my IHG this year:

All

All the Chase IHG MasterCard Activity adds up to all the IHG EQPs I’ve earned this year

And as you can see, after upgrading to Spire, I was given the choice to add 25,000 IHG points to my account -or- gift IHG Platinum status to a friend.

I took the 25,000 IHG points and ran! 

Yay-isss!

Yay-isss!

So when you think about it, I actually got over 100,000 IHG points for opening the Chase IHG MasterCard. Because the bonus alone was enough to earn Spire, and then IHG gave me 25,000 more points.

And, I’ll have the status until the end of 2016. IHG says:

Once you have earned the newest membership status in any calendar year, you will maintain such status until the end of the following calendar year.

So that’s kinda… awesome!

Bottom line

The upgrade to Spire makes me want to plan more IHG stays so I can earn 100% bonus points… and see how good the upgrade situation really is and assess elite treatment.

I might go out of my way to stay at more IHG properties this year, if only for the sake of using IHG points. To be continued…

Was anyone else auto-upgraded to Spire? 

Thank you for using my links to get a travel rewards card! Right now, the bonus on the IHG card is 60,000 IHG points after meeting the minimum spending requirement of spending $1,000 on purchases within the first 3 months of account opening.

Get an Easy $600 with the Discover it® Cashback Match™ Card

Also see:

Sorry if that headline sounds clickbait-y but I’m seriously considering getting the Discover It card.

Update: I got “it!”

I’m not crazy about the name of the card. It’s hard to refer to “It.”

discover it cash back

I might discover… It

– Where’s my “It”?

– Your what?

– My “It!” Discover “It!”

– You’ve lost your damn mind.

But no for reals when I looked at the categories and did the math, I thought how lucrative this no annual fee card could be.

The cashback of the Discover It

Read More