ultimate rewards

Tag Archives for ultimate rewards.

The best card for beginners has a sign-up bonus worth $1,250 – and easily MUCH more

Chase Sapphire Preferred 100K

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 100,000 Chase Ultimate Rewards points is worth – at a minimum$1,250.

And how are we getting to that figure? Chase Ultimate Rewards points are worth 1.25 cents each when you redeem them toward travel through Chase, so 100,000 x 1.25 = $1,250. You can book flights, hotel stays, even cruises through the Chase Ultimate Rewards site. Set your payment to points and 100,000 of them are worth $1,250. 💥

Chase Sapphire Preferred 100K

Who’s ready to travel again with 100,000 Chase points?

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/KLM.

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

Chase Sapphire Preferred 100K bonus

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Chase Sapphire Preferred 100K offer: It doesn’t get better than this!

Chase Sapphire Preferred 100K

Chase Sapphire Preferred 100K? Holy wow am I kicking myself. Chase keeps upping the ante on the Chase Sapphire Preferred. First 60K, then 80K, and now – 100,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening. WOW.

I don’t think it’s going to get better than this. 100,000 Chase Ultimate Rewards points are worth:

  • $1,000 in cash 
  • $1,250 toward travel booked through Chase (flights, hotels, cruises, car rentals, and excursions)
  • Potentially much much more when you transfer points to travel partners like Hyatt (my favorite), United, British Airways, Air Canada (coming later this year), and others
Chase Sapphire Preferred 100K

Get back to travel in a big way with the new Chase Sapphire Preferred 100K offer

If you’re eligible for this offer, this is your sign! There’s no end date yet – get it while it’s still around!

Chase Sapphire Preferred 100K offer – what to know

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

chase freedom flex vs freedom unlimited

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.

Chase Freedom Flex Vs Freedom Unlimited

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

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Roundup of Targeted Amazon Offers With 1 Amex, Chase, Citi, or Discover Point – Save on Holiday Shopping!

There are lots of targeted Amazon promotions out there now. Which is awesome, because Black Friday are Cyber Monday are next week! When you combine these deals with inevitable sale prices, you stand to save buku bucks this holiday season. Or you can do like I did, and stock up on dog food. 😹

With all of them, you’ll save either a percentage or dollar amount off your purchase – and you only have to use a single bank point to trigger the deal. This year, you can use 1 point from the following programs:

  • Amex Membership Rewards points
  • Chase Ultimate Rewards points
  • Citi ThankYou points
  • Discover It or It Miles points/miles

So if you have any travel rewards credit cards, dust ’em off and check if any of these deals are targeted for your Amazon account.

Targeted Amazon promotions 2019

Save on Amazon shopping when you use a single bank point and get a targeted offer. I got several this year!

I’ll share the current promotions, tricks to get them to appear, and my usual bits and baubles. 🧿

Targeted Amazon promotions with 1 bank point – Holiday 2019

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

chase ink business preferred

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:

Chase Ink Business Preferred 80,000 points offer

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

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

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.

points for emergency travel

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

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

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 portalget free miles for clicking a link.

Chase Sapphire Preferred

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.

But as far as cards go… where to begin?

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I’m Finally Gonna Fall Below Chase 5/24: My Credit Card Plan

I have a below 5/24 plan. How’d that happen?

I can’t get most Amex cards because I’ve already earned the welcome offer, or Citi cards because of their 24-month “family of brands” rule. Plus, I got busy baby-making.

So when I checked Credit Karma, I had to blink again. For the first time in years, I’ll be below 5/24 as of July 19, 2019 – only 4 months away!

I mean yeah, there are non-Chase cards I’d looove to get (I’m drooling for the Amex Hilton Aspire). But heck, if I’m this close, I may as well keep trending. And you bet I’m running right for the Chase Ink Business Preferred – I hope that sweet 80,000-point bonus is still around!

below 5/24 plan

When I think of UR points, alls I see is Hyatt hotel stays. First stop: Ink Business Preferred

More broadly, this might be the beginning of a long-needed credit card overhaul.

My Below 5/24 Plan

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Trip Report: An Amazing Repeat Stay at the Hyatt Ziva Puerto Vallarta

This time last week, I was at the Hyatt Ziva Puerto Vallarta – almost 1 year to the day after my February 2018 stay. I originally wanted to try a different Ziva, like Los Cabos, or perhaps return to the Zilara in Cancun – and found tons of award flights from Dallas to all three.

But flights from Chicago to fly down an old friend were scarce. So for whatever reason, the availability lined up and sent us to the Ziva Puerto Vallarta again.

I was open to it, returning to the known. Also curious to see if it had changed – and I knew it would be a sure bet for max relax. We even thought about trying the Hilton all-inclusive there.  But in the end, we settled on a right proper fly n’ flop.

It’s a huge, gorgeous property with:

  • 5 restaurants
  • 5 bars
  • Coffee shop/self-serve deli
  • 4 pools
  • Kids club
  • Tennis club, spa, gym, hot tubs, and swim-up rooms
Hyatt Ziva Puerto Vallarta Review

When your hotel room looks like a magazine

Here are my 1-year-later impressions.

Hyatt Ziva Puerto Vallarta Review – 2019 version

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Citi ThankYou Points Are My Earn & Burn Currency of the Year! 60,000 UR = 100,000 TYP (Prestige Vs Sapphire Reserve Pt. 2)

I recently emptied my Citi ThankYou points account. Yup, I burned every single last point to stay at the Hyatt Ziva Puerto Vallarta. For my 4-night stay, I could’ve spent:

  • 80,000 Chase Ultimate Rewards points (because it’s 20,000 Hyatt points per night)
  • ~131,000 Citi ThankYou points (with the 4th night free thanks to Citi Prestige)

I asked a friend which would be the better option. “Whichever is easier for you to replenish,” was her advice.

Within my Chase Ultimate Rewards portfolio, I spend most on my Sapphire Reserve for 3X, and sometimes my Freedom for 5X. Within my Citi ThankYou portfolio, I spend most on my Prestige for 5X, and sometimes my AT&T Access More for 3X. And the Prestige 5X category gets the bulk of my attention.

If I spend $10,000 on flights and dining:

  • On Sapphire Reserve at 3X, I get 30,000 points
  • On Prestige at 5X, I get 50,000 points

For my same spending, I get way more rewards. For the hotel stay above, the earn rate was actually equal (80/3 = 131/5). But for transfers to airline miles, that’s the difference between getting 1 award ticket instead of 2 for the same spend.

Match your spending to a 5X category and see what happens.

citi thankyou points

For views like this, just burn Citi ThankYou points if your 5X categories are similar to mine

If you buy a lot of airfare, and eat out often, you’d do well to earn 1.67 more points per $1 – they add up fast!

Citi Prestige Vs Chase Sapphire Reserve (again)

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Citi Prestige Vs Chase Sapphire Reserve: Which Ultra-Premium Card Is Better? (Bonus Categories, Perks, Insurance)

Dang, this is hard. I’ll go ahead and say, “It depends.”

But I am going through it, y’all.

Both the newly refreshed Citi Prestige and ever popular Chase Sapphire Reserve have their place in this world. And I know which one I’m using a LOT more (Citi Prestige). But I can’t bring myself to downgrade my Chase Sapphire Reserve because I don’t want to lose specific perks.

As I look at them, side-by-side, I gotta say – it’s a total wash. Do I keep ’em both?

And while I’ll stick with Citi Prestige short-term, I think they’re both keepers. Let’s compare.

Citi Prestige vs Chase Sapphire Reserve – 2 excellent ultra-premium cards

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3 Chase Ink Small Business Cards: Which Is Right for You? (One Bonus Is Worth $1,000)

Chase has 3 Ink cards targeted at small business owners:

  • Preferred
  • Cash
  • Unlimited

Each accomplishes a different business goals by way of awarding bonus points in certain categories. And they all earn Chase Ultimate Rewards points – one of, if not the, most valuable rewards currency.

But only 1 of them gives you direct access to Chase’s travel transfer partners (it’s also the only one with an annual fee – the Ink Preferred).

chase ink business cards

The Chase Ink Preferred (formerly called the Plus) is the only Ink card with transfer partners

Let’s look at what makes these cards compelling.

Chase Ink Business Cards – What’s Alike and Different

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