Category Archives: Promotions + Deals

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To Reduce Scams, Chase Will Limit Zelle Transactions with Social Media Contacts (Effective March 23)

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Good morning everyone, I hope your weekend is going well.  I just downloaded my recent Chase checking account statement and saw this message regarding Zelle.

To help protect you from fraud and scams, you’ll no longer be able to send Zelle payments to recipients originating from social media such as social media marketplaces or messaging apps

Due to the significant rise in social media scams and to help protect your account, we’ll be updating our policies on March 23, 2025, limiting your ability to send Zelle payments identified as originating from contact through social media. As a result, we may:

      • Request details about your payment’s purpose and how you made contact with the recipient
      • Block or decline payments identified as originating from contact through social media
      • Decline payments, restrict your use of Zelle through Chase or take other actions as described in your account agreement if you do not respond truthfully to questions we ask

Here is the full message:

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Keep, Cancel or Convert? Laura’s American Express Gold Card ($325 Annual Fee)

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Good afternoon everyone, I hope your week is going well.  A few days ago, I was reviewing our recent credit card statements and saw that the $325 annual fee posted to Laura’s American Express Gold Card.  We discussed the card benefits and decided it wasn’t worth prepaying $325 in order to jump through all of these hoops to earn back the $325 annual fee.  As a reminder, here are the coupons statement credits on this card:

  • $10 Uber / Uber Eats credit each month ($120 total)
  • $10 Grubhub credit each month ($120 total)
  • $7 Dunkin credit each month ($84 total)
  • $50 Resy credit every 6 months (launched in July 2024, so only $50 total in 2024)

Even though we did receive all of these credits in 2024, I would not value them close to $374.  In order to receive all of those credits, we had to jump through 37 hoops throughout the year.  We are still sitting on $28 of Dunkin credit (the nearest Dunkin in about 40 miles away) and we have a $50 restaurant gift card for a nearby Resy restaurant that we bought at the end of December.

Also, we were not using the card for 4x at restaurants and 4x on groceries.  I have plenty of AMEX MR Points, so we were using 2 Citi Custom Cash Credit Cards for 5x at restaurants and 5x on groceries.  Then in 2025, we switched to using the Chase Freedom Flex Credit Card for 5x on groceries ($1,500 quarterly max) and the Discover It Credit Card for 5x at restaurants ($1,500 quarterly max).

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In addition, we decided to transfer all 150,000 of Laura’s AMEX MR Points to her Hawaiian Airlines account, then she transferred them to my Hawaiian Airlines account and then I moved them to my Alaska Airlines account (read more about that process here).  The next step was to contact AMEX via Online Chat to close the card…

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2024 Airline & Hotel Buy Miles/Points Promos: Insights & Trends Uncovered with ChatGPT

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Good evening everyone, I hope your week is going well.  Last year, I wrote 24 posts about buying miles and points, so I decided to take a look back at all the airline and hotel promotions to see what kind of insights I could find.  I entered all the data in the table and then asked ChatGPT to provide some analysis and deeper insights into the promotions.

These insights can be helpful if you are wondering if a specific airline or hotel promotion is toward the higher end of the promotion spectrum.  Here are the insights:

    • Air Canada: Discounts: 30% & Bonuses: 75%-100%
    • Air France / KLM: Discounts: 40%-50% & Bonuses: 70%
    • Alaska Airlines: Bonuses: 50%-70%
    • Avianca Airlines: Bonuses: 160%-165%
    • Choice Hotels: Discounts: 25%-30% & Bonuses: 30%-50%
    • Etihad: Bonuses: 25%-30%
    • Hawaiian Airlines: Bonuses: 50%-100%
    • Hilton Hotels: Bonuses: 100%
    • Hyatt Hotels: Bonuses: 20%-25%
    • IHG Hotels: Bonuses: 60%-100%
    • JetBlue: Bonuses: 90%-130%
    • Leading Hotels of the World: Bonuses: 60%-100%
    • Marriott Hotels: Bonuses: 35%-45%
    • Southwest Airlines: Discounts: 35%-50%
    • Spirit Airlines: Discounts: 40% & Bonuses: 60%
    • United Airlines: Discounts: 30%-50% & Bonuses: 90%-100%
    • Virgin Atlantic: Bonuses: 60%-70%
    • Wyndham Hotels: Discounts: 25%-45% & Bonuses: 35%-60%

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The 7 Miles & Points Tools / Services that I Pay For

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Good afternoon everyone, happy Friday!  I love free stuff as much as the next person, but there are a few miles and points tools and services that are so incredibly useful, they’re definitely worth paying for. Keep in mind, this isn’t a complete list, so there may be other fantastic tools out there that I haven’t discovered or used yet.

AwardWallet Plus – $49.99 / year

I can’t imagine a world without AwardWallet.  They track all my credit card programs, airline programs, hotel programs, shopping portal balances, dining rewards, and much more.  I love that they constantly check my accounts, display the current balances, and display expiration dates for all my rewards.  The flight schedule change notifications (which sometimes come days / weeks / months before official airline notifications) and upcoming expiration alerts are well worth the cost to me.  If you are interested in trying it out, here is my AwardWallet referral link.

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My 2024 Travel Recap: Elite Statuses, Flights & Hotel Nights

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Good afternoon everyone, I hope your week is going well.  I thought it would be cool to share the hotel and airline elite statuses I earned (and matched to) in 2024 along with the number of flights I flew and the number of nights I stayed in hotels.  Fun fact: I might be the only travel blogger without Hyatt Globalist Elite Status (I actually don’t have any Hyatt status).  Read on to learn more interesting facts about my 2024 travel recap.

2024 Flights & Airline Elite Statuses

  • Alaska Airlines is the only airline status that I earned (and care about).  I took 14 flights and earned 13,658 elite miles.  I also earned 8,000 elite miles from spending $20,000 on my Bank of America Alaska Airlines Credit Card.  I am looking forward to earning Alaska Airlines MVP Elite Status in 2025 with several Companion Fare flights and awards booked with Alaska Airlines miles.
  • SFO is my nearest international airport, but I only flew United Airlines 3x last year.
  • Before the end of 2024, I status matched to Hawaiian Airlines Pualani Gold (allows better seat assignments on Hawaiian Airlines) and Southwest Airlines A List, but I don’t have any Southwest Airlines flights planned in 2025 since all my favorite routes were moved from SFO to OAK.
Loyalty Program Status Status from Credit Card Notes Flights
Alaska Airlines MVP – 13,658 Elite Miles from flying + 8,000 Elite Miles from credit card spend 14
Delta Airlines – – 3 trips: SFO-ATL-DAB, DAB-ATL-SFO, and MIA-JFK 5
United Airlines – – 3 trips: SFO-SNA, SNA-SFO, and SFO-DEN 3
Air France / KLM – – 1 Business Class Award: ARN-AMS-LAX 2
Avelo Airlines – – 2 trips: STS-BOI and BOI-STS 2
Finnair – – 2 trips: DUB-HEL and HEL-ARN 2
Aer Lingus – – 1 Business Class Award: DEN-DUB 1
JetBlue – – 1 trip: SFO-FLL 1
Hawaiian Airlines Pualani Gold – Status matched from Alaska Airlines MVP Elite Status (Dec 2024) 0
Southwest Airlines A List – Status matched from Alaska Airlines MVP Elite Status (Dec 2024) 0
Total Flights:  30

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