US Bank Cash+ Launching Real-Time Rewards for $10 Purchases & More News (Beginning February 19)

Good afternoon everyone, happy Friday!  I just received an email from US Bank regarding my US Bank Cash+ Credit Card.  There are several changes that go into effect, beginning on February 19.  The most exciting change is the introduction of Real-Time Rewards for the US Bank Cash+, which I have used a few times on my US Bank Altitude Reserve Credit Card.  You will also be able to use your cash rewards through PayPal.  There are also some negative changes to when cash rewards expires and redemption options.  Read on to see all the details.

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Ask Me (Almost) Anything Friday

Good morning everyone, happy Friday!  I am looking forward to my MLK Jr. 3 day weekend and hope you are too.  Travel with Grant has always been about writing blog posts that interest me and I write blog posts that I would want to read (hopefully readers want to read those posts too).  My inspiration to write comes from first hand experiences with travel and rewards credit cards, in addition to reading other miles & points blogs and listening to miles & points podcasts.  I don’t have any blog posts at the forefront of my mind right now, so I am looking to my readers for some inspiration.  What are you interested in right now?  Do you have any questions about traveling, miles and points, or credit card rewards?

If you do, please leave a comment below and I will do my best to answer them all.  I should be able to answer some of them in the comments section, but others may lead to full on blog posts of their own.  My only request is that you do not ask me any complicated award booking questions like, “I want to get 25 people to Australia for Christmas in first class.”  Trust me, I’m not sitting on the greatest award booking secrets ever known, so my short answer will be to reach out to an award booking service and pray that they can help you out.  That is my one and only request, but I welcome all other questions.

Thanks for reading, thanks for commenting, and enjoy your long weekend!

Flying to the United States? You’ll Need Proof of a COVID Test (Starting January 26)

Buenos días everyone!

Starting January 26, all passengers traveling to the United States will be required to provide proof of a negative COVID-19 viral test (PCR or antigen) dated within 3 days prior to departure, unless they have tested positive for COVID-19 within the past three months (in which case they will need to provide a copy of their positive test dated within three months of departure and a letter from a medical professional saying they are cleared to travel).

This policy applies to all passengers traveling on flights to the US, regardless of citizenship or residency, including passengers connecting onward to a third country. It does not change any existing travel restrictions, including the presidential proclamations that deny entry to most travelers who have been in Brazil, China, Iran, Ireland, the United Kingdom, or the European Schengen Area within the past 14 days. Continue reading

I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?

Good morning everyone, happy Friday!  After I published How Much Did I Pay in Credit Card Annual Fees in 2020?, several readers asked if I could share how much value I received from each credit card in 2020.  Today’s post is also a sequel to my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).  All 24 of these credit cards were opened before January 1, 2020, and no sign up bonus is included.  For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective (and most of the miles and points were not spent in 2020).  I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value.  For hotel free night certificates, I have several from 2020 that expire in 2021 and 2022, so I am using a standard value of $100 for each hotel free night certificate.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2020 and those values are summed up in the CCB $ column.  If I received a retention offer, that is listed in the RO $ column.  I listed the credit card annual fee in the AF $ column.  Lastly, I used this formula to calculate the Profit or Loss (P / L column) for each credit card: CCB $ + RO $ – AF $ = P / L

I sorted the credit cards alphabetically and split them up into 3 smaller groups.  Here are some thoughts from the first group:

  • The first 3 AMEX cards were big money makers due to the standard card benefit credits and the temporary pandemic benefits.  It will be hard to beat these numbers in 2021.
  • I never planned on keeping the American Express Platinum Delta SkyMiles Credit Card long term and only signed up for the 70,000 Delta SkyMiles sign up bonus in 2019.
  • In most years, we are easily able to use the $99 Alaska Airlines Companion Fare, but due to the pandemic and very cheap Alaska Airlines flight, we did not use the Companion Fare in 2020.  I am hoping to use the Companion Fare this year.
  • I’m glad Laura (LT) was able to get a $59 retention offer on her Capital One Venture Rewards Credit Card and a $100 referral bonus.
Credit Card Name Credit Card Benefits CCB $ RO $ AF $ P / L
AMEX Business Platinum $400 Dell credit; $198 airline reimbursement; $160 wireless phone credit; $158 shipping credit; $96 AMEX Offers for Dell & AT&T $1,012 $200 $595 $617
AMEX Gold $120 dining credit; $100 airline reimbursement; $60 AMEX Offer for Shop Small $280 $0 $250 $30
AMEX Hilton Honors Aspire $250 airline reimbursement; $250 resort credit (used at restaurants); 1 Free Night Certificate (expires 7/2/22) (worth $100) $600 $0 $450 $150
AMEX Platinum Delta SkyMiles Downgraded to no annual fee American Express Blue Delta SkyMiles Credit Card to avoid paying annual fee $0 $0 $250 $0
Bank of America Alaska Airlines (LT) Alaska Airlines $99 Companion Fare expired in 2020 $0 $0 $75 -$75
Capital One Venture Rewards (LT) $100 referral bonus $100 $59 $59 $100

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How Much Did I Pay in Credit Card Annual Fees in 2020?

Updated at 9:20am PT on 1/4/21: I went through my credit card statements and found 2 more retention offers, so I updated the second table below.


Good morning everyone, I hope your weekend is going well.  In December 2019, I wrote I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?  In that post, I listed all of our credit cards that had annual fees and I attempted to justify why paying over $4,500 in annual fees was worth it.  Unfortunately, 2020 made it very difficult to get a ton of value out of our travel reward credit cards, so in March 2020, I wrote Reconsideration Strategy for Credit Card Annual Fees During Coronavirus Pandemic.  I decided to list all of our credit cards that have annual fees, sort them by when the annual fee posted / will post, and called for retention offers every time a new annual fee posted.  At the beginning of 2020, we had 25 credit cards with annual fees and would pay $4,845 in annual fees if we made no changes or retention offer calls.  In this post, I will share what retention offers we received, which credit cards we closed, and which credit cards we product changed.

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