• What are 50,000 Chase Ultimate Rewards really worth?

    A lot of people have started asking for my advice on credit cards — and more specifically, a lot of my (young) peers are asking what the best options are to get started in the credit card game. And I first want to say, these are the questions to start asking! If you are in your mid 20s, with a steady job, no previous amount of substantial debt, and you can responsibly pay off your credit card debt, you aren’t doing yourself any favors not earning something back on your credit cards. Whether that’s cash or points, it comes down to a bit of personal preference. But if you were…

  • Downgrading my Chase Sapphire Preferred

    I have talked recently about the major shifts in my credit card portfolio. More specifically, I added the Chase Freedom Unlimited and the AMEX Everyday Preferred card — what I’d say are some pretty awesome enhancements to my wallet. And to quickly review, those cards simply get me: 1.5 Ultimate Reward points per dollar spent on all purchases. In other words, where I was previously earning 1 point per dollar with my Chase Sapphire Reserve, the Chase Freedom Unlimited gets me .5 more points per dollar. 3 Membership Reward points per dollar spent at grocery stores, up to $6,000 per dollar year — with the potential of a 50% bonus…

  • How I use my credit cards

    I have recently made some pretty major changes to my credit card portfolio, which has obviously changed (nay enhanced) the way in which I utilize my credit cards. So while I have talked a lot about the cards I use and why I use them where, I wanted to take this time to go over the exact strategy I use with my credit cards on a daily basis. I also carry what many of my peers claim to be way too many credit cards — so I want to try and justify myself a bit as well. Evaluating the Inventory First, I’ll quickly go through the cards in my wallet.…

  • Best credit cards to use for groceries

    I have shared recently the big changes that have been happening in my life. Long story short, I have relocated to the Washington DC area and more recently moved in to a new apartment. I was more or less bumming it with family for a few months, so now that I have my own place I have more spending. Of course, in the eyes of a credit card monger like myself that just means more points. While I am spending in many different areas, and apartment complexes make it difficult to use credit cards, there is one area where I’m definitely spending incredibly more than I did before — grocery stores. And…

  • Korean Air Boeing 747 taking off

    Korean Air SkyPass OUT as a Chase Ultimate Rewards transfer partner — what next?

    The largest story of the past few days in the travel community is not the coming merger of SPG and Marriott, which is what you’d expect, but rather the removal of Korean Air SkyPass as a transfer partner of Chase Ultimate Rewards. In the event that anyone has not heard — multiple people have reported that as of August 25, 2018 Korean Air SkyPass will no longer be a transfer partner of Chase Ultimate Rewards. Which is absolutely huge news. Devastating news. From what I have read, there was a lot of disagreement between the two companies, and for whatever reason the partnership was no longer mutually beneficial. So while unfortunate,…

  • Review: Air Canada Business Class 787-900 MXP-YYZ

    This is a bit of a continuation from my review on Delta One where I flew from JFK to ZRH. And I have definitely been delayed in getting it published. Fortunately, the ending of my amazing family Europe trip was capped with another awesome international business class experience. I am going to be building this into a mini trip report, with some experience sharing posts built in. Hope you all enjoy! Review: Delta One A330 JFK-ZRH My experiences through Europe: France My experiences through Europe: Switzerland My experiences through Europe: Renting a car and flying “domestic” Review: Air Canada Business Class 787 MXP-YYZ As I alluded to in my previous…

  • Air Canada 787 dreamliner enginer

    I’m finally getting my next credit card

    Today is somewhat of a holiday for me as I have finally dropped back below the dreaded 5/24. As I mentioned in my last post, there are some things that I incorrectly estimated with my count, so this date definitely could not come soon enough. I have  some thoughts about the future of my credit cards over the next few months, but for the purposes of this post I wanted to talk about the immediate future. In other words, the one card that I plan applying for ASAP. Taking current inventory To start, I want to look at my wallet and briefly touch on the purpose for holding each of these cards.…

  • Do Chase business cards add to your 5/24?

    Chase is without a doubt the hottest credit card issuer on the market right now — in my humble opinion. And what that means for people like us is that we should be trying to apply for as many Chase credit cards as possible to not only maximize total points from sign-up bonuses, but also daily spending power. Because ultimately, more points means more travel! Unfortunately, the 5/24 rule exists, though. Which is essentially an unwritten rule from Chase that does not allow you to get approved for and receive the sign-up bonus for a Chase card if you’ve already been approved for 5 credit cards in 24 months. The intricacies of…

  • What to do if you can’t decide on the Chase Sapphire Reserve?

    If you ever ask me about credit cards — at a bar, in the library, at my house — I will most likely talk your ear off about the benefits that credit cards can bring you. Odds are that I start with the slew of travel benefits, but in reality there are a ton of different benefits that will cater to each person differently. As many of you know, I started my true credit card journey with the Chase Sapphire Reserve and its earth-shattering 100,000 points sign-up bonus. At the time, this was the single best credit card bonus on the market, hands down. But like any good thing, it didn’t last…

  • 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.…