Category Archives: Promotions + Deals

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Miles & Points Mantra #1: “Use Hotel Free Night Certificates ASAP”

Good afternoon everyone, I hope your week is going well. I’m kicking off a new series on the blog called Miles & Points Mantra, where I’ll be sharing the personal “rules” I follow when it comes to using airline miles, hotel points, credit card rewards, and all things travel.  I try to follow these rules 100% of the time, but I have been known to break the rules from time to time.  Whether you’re brand new to travel hacking or a seasoned pro, I’d love to hear if you agree or disagree with these “rules.”  I have a long list of mantras to share, but if you have one you swear by (or want me to cover), please share it in the comments section below.  Let’s get started…

Miles & Points Mantra #1: “Use Hotel Free Night Certificates ASAP”

If you are just starting out and only have 1 or 2 hotel Free Night Certificates (FNCs), it might not be too difficult to remember to use them before they expire.  Fortunately / unfortunately, between Laura and myself, we have earned / received 15 FNCs in the last 12 months from various credit card sign up bonuses, paying renewal annual fees on our hotel credit cards, and from completing a Hyatt Brand Explorer challenge.  15 FNCs means we have to spend at least 15 nights in hotels throughout the year in 4 different hotel brands (Hilton, Hyatt. IHG, and Marriott) within certain categories and point limitations.  The only way I can manage these FNCs is in a spreadsheet.

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When Does the Free Night Certificate from the Chase World of Hyatt Credit Card Post and Expire?

Good afternoon everyone, I hope you had a great weekend.  Yesterday, my dad asked me about his Hyatt Free Night Certificate (FNC).  He told me he just booked a Hyatt stay using the FNC but wasn’t sure if he got a good deal on the hotel stay.  I asked him when the FNC expired, but he didn’t know or remember.  I told him how to figure out when the Hyatt FNC posted to his account and how to find out when the FNC expired.  I figured this post would be helpful to others who are in the same situation.  It is really easy to find out, here is how.

Figure out when your $95 annual fee is charged to your Chase World of Hyatt Credit Card.  For Laura’s card, her $95 annual fee posted on February 1, 2025.  You can find this charge using the Chase website, Chase app, or by looking at your credit card statements.

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Wells Fargo Updates: Fraud-Induced Electronic Fund Transfers, Declined Transfers & More (Effective May 22)

Good afternoon from rainy San Francisco.  Yesterday, I received the following email from Wells Fargo.  My natural instinct is to delete this email and never give it a second thought, but I decided to click on the Summary of Changes link and see what Wells Fargo is up to.  Long story short, here are the main changes: fraudulently induced electronic fund transfers are not considered unauthorized; Wells Fargo may decline, delay, or reject transfers that appear irregular or suspicious; customers must activate their Paze wallet before use; and the Personalized Insights and Cash Flow Manager services have been discontinued.

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US Bank Smartly Checking Monthly Fee Increasing from $6.95 to $12 & Credit Card Waiver Eliminated (Effective May 19)

Good afternoon everyone.  Hot off the heals of the massive Southwest Airlines devaluation this morning, I found another devaluation on my recent US Bank Smartly Checking account statement.  The main dagger is how to waive the monthly maintenance fee: “Having an eligible personal U.S. Bank credit card no longer waives the Monthly Maintenance Fee”.  Here are the full details:

Changes to the U.S. Bank Smartly Checking account

    • The Bank Smartly Checking account Monthly Maintenance Fee will change to $12
    • You can avoid the Monthly Maintenance Fee by meeting one of the waiver criteria:
      • Combined monthly direct deposit totaling $1,500 or more
      • An account owner on an eligible small business checking account
      • Maintain an average account balance of $1,500 or greater
      • Be a member of a Customer Group that waives the Monthly Maintenance Fee
      • Qualify for the Smart Rewards Gold Tier or above
    • Having an eligible personal U.S. Bank credit card no longer waives the Monthly Maintenance Fee
    • A Bank Smartly Checking account will automatically come with the Smart Rewards Bronze Tier benefits, at a minimum
    • The interest tiers for the Bank Smartly Checking account are updated

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I Earned 15,000 Chase Ultimate Rewards by Paying Allstate Insurance with 2 Chase Freedom Credit Cards

Good afternoon everyone, happy Friday!  I have 2 Chase Freedom Flex Credit Cards (the second was a downgrade from a Chase Sapphire Preferred Credit Card) and Laura has an older Chase Freedom Credit Card (Visa version). In case you missed the announcement, Chase Freedom celebrated it’s 15th birthday this year and to mark this special occasion, Chase added 2 more bonus categories in March: Tax Preparation and Insurance.  Tax prep and insurance are not the most exciting categories, but the timing couldn’t be better for us since we had $3,000 of car and home insurance payments to make this month.  Before I made the insurance payments, I made sure that our Chase Freedom cards were registered and that we still had $1,500 in spend to do on our cards.

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