What is the Chase 5/24 Rule? Back in 2015, reports began emerging that people were getting denied on applications to open new Chase cards. It was eventually determined that Chase was denying applications from anyone who has opened more than 5 credit card accounts in the past 24 months. This policy looks at all of one's recently … Continue reading The Chase 5/24 Rule Explained
Best Credit Cards for Everyday Spending
Best Credit Cards for Everyday Spending Many people who are new to this ask me what credit card is best for beginners. My usual advice is to start with a card that earns flexible rewards. By this I mean cards that earn American Express Membership Rewards, Chase Ultimate Rewards, or Starwood Preferred Guest Starpoints. In general, … Continue reading Best Credit Cards for Everyday Spending
Share Airline Miles Without Paying Fees (May 2017)
Can I share and transfer miles to others? Usually it is possible to transfer airline miles to another person, but it is going to cost you. For example, American Airlines charges $12.50 per 1,000 miles shared, plus a 15$ processing fee per transaction. Sharing 5,000 miles will cost $77.50, even if it is your spouse or family … Continue reading Share Airline Miles Without Paying Fees (May 2017)
Chase Sapphire Preferred or Chase Sapphire Reserve? (2017)
Chase Ultimate Rewards points are among my favorite reward currencies for many reasons. These points are earned with Chase Sapphire credit cards. One of the most common questions I get is "which is better?" While Chase Sapphire Preferred and Chase Sapphire Reserve are not the only 2 cards that earn Ultimate Rewards, they are the ones you … Continue reading Chase Sapphire Preferred or Chase Sapphire Reserve? (2017)
Best Ways to Book Hawaii on Points and Miles
Using transfer partners to book Hawaii on points In case you haven't noticed, we're kind of obsessed with Hawaii. Although plane tickets can be pricey and award ticket availability can be scarce, I've learned the best ways to book Hawaii on points and miles and now I'm going to share. Here's the interesting thing: most options on this list involve … Continue reading Best Ways to Book Hawaii on Points and Miles
Starwood Preferred Guest Nights & Flights
Starwood Preferred Guest is a great loyalty program that offers lots of flexibility for redeeming. You can redeem starpoints for hotels at SPG properties. Also, you now have the ability to transfer starpoints to Marriott Rewards and book Marriott brands due to the merger. In addition to redeeming points for hotels, Starwood also allows you to … Continue reading Starwood Preferred Guest Nights & Flights
Introduction to Starwood Preferred Guest (SPG)
Chase Ultimate Rewards, American Express Membership Rewards, and Starwood Preferred Guest (SPG) are my top three loyalty programs. I put most of my everyday credit card spending on cards that earn points in these 3 programs. All of these programs earn points that are flexible. This means that they can be transferred to different airline … Continue reading Introduction to Starwood Preferred Guest (SPG)
Disney World on Points
How can you get a Disney World trip on points? One of the most common questions I get is "how can I get a Disney World trip for free?" Unless you're using a cash back card of some sort, you can't really get Disney World tickets on reward points/miles. I generally do not recommend cash … Continue reading Disney World on Points
Puerto Vallarta on Points: Two Ways to Use Ultimate Rewards
There are two ways to redeem Chase Ultimate Rewards Actually there are more, but as I have stated before, please don't ever use reward points or miles for gift cards or merchandise! Your points are the most valuable if you use these 2 methods. Transfer points to airlines or hotels at a 1:1 ratio Book hotels … Continue reading Puerto Vallarta on Points: Two Ways to Use Ultimate Rewards
Introduction to Chase Ultimate Rewards
Chase Ultimate Rewards are earned with Chase-issued credit cards such as the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Ink Business Preferred cards. Chase Ultimate Rewards are easy to earn, especially if you take advantage of category bonuses and shopping portals. Redeeming Chase Ultimate Rewards There are many different ways to use these points, … Continue reading Introduction to Chase Ultimate Rewards