Tag Archives: Capital One

Stop Ignoring Vacasa Vacation Rentals! Get Awesome Condos for 13,500 Wyndham Rewards Points per Night

Good afternoon everyone, I hope you had a great weekend.  A few days ago, I booked 3 more Vacasa Vacation Rentals for an upcoming trip to Maui and Oahu.  I am a huge fan of Vacasa (especially in Hawaii) and the booking process is pretty easy, you just need to call Wyndham Rewards. The price is right too at only 13,500 Wyndham Rewards Points per bedroom per night, if you have the Barclays Wyndham Rewards Earner+ Credit Card or the Barclays Wyndham Rewards Earner Business Credit Card (or 15,000 points per bedroom per night without the credit card).  Here are the 6 Vacasa properties in Hawaii that I have booked and stayed at / will stay at.  There are actually a few ways to earn Wyndham Rewards Points that I will show you later in the post.  Let’s get started.

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Sign Up Bonus Posting Speeds for Capital One Spark Miles & US Bank Triple Cash Rewards Business Credit Cards

Good morning everyone, happy Friday!  I hope you had a great Veteran’s Day Holiday yesterday.  Last month, I applied for 2 business credit cards and I wanted to share the details of how quickly the sign up bonuses posted for each credit card.  Up first, let’s talk about the Capital One Spark Miles Business Credit Card, which is currently offering 50,000 miles after spending $4,500 in 3 months.  Up next, I will cover the US Bank Business Triple Cash Rewards Credit Card, which is currently offering $500 cash back after spending $4,500 in 5 months.

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Capital One Spark Miles Business Credit Card Application Process & Welcome Documents

Good afternoon everyone, I hope your weekend is off to a great start.  2 weeks ago I applied for the Capital One Spark Miles Business Credit Card.  I haven’t had a personal or business Capital One credit card in many years (despite submitting a few credit card applications over the years).  I decided to give Capital One another chance since they recently improved the transfer ratios to almost all of their transfer partners to 1:1 (1,000 Capital One Miles = 1,000 airline miles).  This time, my Capital One application was instantly approved!  In this post, I will share details of the application process and the welcome documents I received from Capital One.

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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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My Wife’s Super Easy Capital One Venture Rewards Credit Card Retention Call

Good morning everyone.  A few days ago, the $59 annual fee posted on my wife’s Capital One Venture Rewards Credit Card.  Laura has been a loyal Capital One cardmember since before she met me and uses this card as her go-to 2% back everywhere card.  I told her she should call Capital One and ask them to waive the annual fee.  She looked at me strangely wondering why she should ask to waive the annual fee.  I told her that my Citi Double Cash Credit Card earns 2% cash back with no annual fee and we aren’t travelling, so we haven’t put any eligible travel purchases on the card that could be reimbursed.  Plus, she has never transferred Capital One “Miles” into frequent flyer miles.  She called the number on the back of her card and talked to a friendly Capital One rep.

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