• Credit Cards

    Assessing my mom’s credit card strategy

    I recently wrote a post about offering some advice to my brother about credit card annual fees. Similarly, my mom recently asked me what I thought should be her next card. So like any normal son, I told her that I would write an entire blog about the question. She is also (probably) my only consistent reader, so I have to give her some reason to keep on coming back! First, assessing her current situation My mom is in a particularly envious situation as she has only signed up for one credit card in the past 24 months. In other words, she is only at 1/24, on Chase’s ‘5/24’ count.…

  • Chase

    The only hotel worth your Chase Ultimate Rewards

    My absolute favorite thing about Chase Ultimate Rewards is the ability to transfer points to one of their airline or hotel partners. There are 13 partners in total, with 9 airlines and 4 hotel groups offering their services — all transferring at a rate of 1:1 (pretty incredible!). In other words, if you wanted to make an award redemption at Hyatt for say 10,000 points, it would cost you 10,000 Ultimate Rewards just the same. While I am building it up to sound like a deal that can’t be beat, there are going to be certain transfers that may not be worth it. Last week I wrote an article about…

  • Chase Sapphire Reserve and Gold Delta Skymiles card from american express
    Credit Cards

    Why I tell people to ignore credit card annual fees?

    A lot of what I like to write about here is based on the conversations and questions I get from friends and family on credit cards. As the somewhat designated credit card consultant, I enjoy talking to friends and family about the benefits of credit cards and hopefully sway them in the right direction. I was recently speaking to my brother about credit cards and he was asking me what I thought about the new Marriott credit card. While I admittedly gave him a summarized version from the credit card’s website, there was one intriguing question that I wanted to elaborate on. “Ya I was attracted to the 100,000 points sign-up bonus,…

  • Air Canada 787 dreamliner enginer
    Chase

    What airlines should you transfer your Ultimate Rewards to?

    I’ve written pretty extensively about Chase Ultimate Rewards, and more recently I’ve written about some of the options in transferring your Ultimate Rewards. Specifically, the ability to transfer points directly to one of the 13 Chase travel partners. The reason I put such a high value on Ultimate Rewards is mostly because of the ability to do just that. While there is still a ton of value in redeeming through the Ultimate Rewards portal itself, I am of the stern belief that the most bang for your buck comes in transferring to one of these partners. Of course, there are some travel partners that just aren’t worth your Ultimate Rewards.…

  • Capital One

    Does new Capital One Venture benefit change the cards value?

    One of the big announcements in the world of credit cards today was the introduction of new benefits for the Capital One Venture card. Specifically, the Capital One Venture Rewards card will have a Global Entry fee credit every 4 years. While this is an often overlooked benefit from credit cards, as it is available with many cards these days, I can’t imagine a life without TSA PreCheck. While this is a pretty generic upgrade, and a positive one at that, I wanted to take this time to talk about how this changes my outlook on the Capital One Venture card. If you’ve even just browsed my site, you’ve probably noticed…

  • Chase,  Credit Cards

    Chase Ultimate Rewards: Transferring from a business account to a personal account

    I started this series a bit ago and then got caught up in other things. So I want to go ahead and continue on with the series as I know everyone has been anxiously waiting for the next installment — I assume no one has been able transfer their Ultimate Rewards from a business account. Whatever will you do! Transferring between personal accounts (combining points) Transferring from a business account to a personal account Transferring Ultimate Rewards to a travel partner Transferring your points to someone else Tips & Tricks to managing your Chase points

  • Chase Sapphire Reserve and Gold Delta Skymiles card from american express
    Credit Cards

    The importance of getting a credit card early, and a strategy for newbies

    Coming off the high that is travel, and more importantly travel in luxury, I want to touch on one of the more frequently asked questions in the world of credit cards — at what point should I get into the credit card game? One of the reasons why I love writing about this hobby is the ability to interact with people about it, sharing my personal experiences, helping other people travel more efficiently, and ultimately — just travelling! But most recently, I got a question form my sister about when she should start gaining points with a credit card. She just recently graduated from college and obviously all of my credit card talk has rubbed off on…

  • Credit Cards

    First time card holders — does Chase Freedom have better chance than CSR or CSP?

    One of the things that I value most about my experience is my lack of experience. More specifically, I am new to the points and miles game, so I have just recently had to develop my credit card portfolio — which I think helps set me apart from some of my “peers.” One of the things that I hear most on message boards, comment threads, etc. is someone looking to “break into” the credit card game. It usually goes something like this: My son/daughter wants to get started in the credit card and points game — they just got a full-time job but have no credit history. What are some…

  • Chase

    Max out the Q2 2018 Chase Freedom bonus!

    One of the best credit cards on the market right now for bonus spend is the Chase Freedom card. Specifically, the Chase Freedom offers 5x the points per dollar spent in rotating quarterly categories — up to $1,500. Depending on how much you value Chase Freedom points, and where you decide to use them, these 6,000 (!!) extra points can be worth some serious cash — granted you are able to hit the max. With either the Chase Sapphire Reserve or Preferred, these points can be transferred to the Ultimate Rewards portal and transferred to one of the Chase travel partners or redeemed directly for 1.5x the value. No matter…