Tag Archives: Cash Back

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Unboxing my US Bank Altitude Reserve Visa Infinite Credit Card: Card Art, Brochure & Welcome Letter

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Good afternoon everyone.  I hope you enjoyed reading my post from this morning: My March Madness App-O-Rama Results: 3 out of 4 Credit Cards Approved.  In that post, I mentioned that I would be doing an unboxing of my new US Bank Altitude Reserve Visa Infinite Credit Card.  This credit card has a sign up bonus of 50,000 FlexPoints (worth $750 in flights) after spending $4,500 in 3 months.  This card has a $400 annual fee, but offers $325 in airline travel credits that mostly offset the annual fee.  There are a few other credit card perks that I will go over in this post.  But first, take a look at how beautiful this credit card is.  The card is a thick metal, similar to the Chase Sapphire Reserve Credit Card.  On the front of the credit card, it only shows your full name.  On the back, it has your full name again along with all the other credit card information.  Let me show you the rest of the items that came with this credit card.

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I Successfully Converted My Discover It Miles into a Second Discover It Credit Card

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Good afternoon everyone.  2 weeks ago, I wrote How to Convert an Existing Discover Credit Card into a Different Discover Credit Card Online.  In that post, I shared how I was able to convert my Discover It Miles Credit Card into a Discover It Credit Card.  I had an existing Discover It Credit Card before the conversion, so I now have 2 Discover It Credit Cards (useful if you can max out the $1,500 quarterly spending bonus categories on both credit cards).  The previous post ended when I received this confirmation email that my request was processing.  Fast forward to now when I received my new Discover It Credit Card.  I will share some insights into the process.  The process started on February 27.

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Add Funds in the Starbucks App to Trigger Starbucks AMEX Offer (15% Cash Back)

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Good afternoon everyone, I hope your week is off to a great (sleepy) start.  I was at the Seattle FTU travel conference over the weekend and enjoyed listening to the great presentations and talking to many new and returning attendees.  In other news, there is a Starbucks AMEX Offer that came out a few weeks ago that I recently linked to my American Express Blue Business Plus Credit Card.  With the AMEX Offer, you can get 15% cash back on Starbucks, up to $5 cash back.  $5 may not seem like much, but that is basically a free drink and 15% discount on Starbucks is a pretty good discount.  You can sometimes buy more discounted Starbucks eGCs online, but those are prone to fraud and I didn’t want to risk my Starbucks account to save a few bucks.  With the AMEX Offer, it clearly states that “app reloads” will work for the AMEX Offer, so that is exactly what I did.

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Reality Check: My Dilemma Booking $200+ Hotel Room (But $200+ Flights Are No Problem)

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Good afternoon everyone.  My last reality check post was pretty popular (Reality Check: Traveling with Non-TSA PreCheck Travelers Sucks) so hopefully you guys enjoy this post and I get some good feedback from you guys.  Here is some background info and how I think.  I love nonstop flights and tend to book those even if they are not the cheapest option.  Booking flights under $100, under $200, and under $300 do not bother me at all, but when it comes to booking a hotel room, I find it hard to justify paying $200+ for a hotel room.  For the nonstop flights that I tend to book, using miles is not ideal.  Either the flight is so cheap that I would be getting a terrible value using miles (like a $100 Alaska Airlines flight vs. 12,500 Alaska Airlines miles) or only standard awards are available (like a $200 United Airlines flight vs. 25,000 United Airlines miles).  I mostly fly Southwest Airlines and have a stockpile of Southwest Airlines gift cards (thanks to airline reimbursements from American Express Business Platinum, American Express Hilton Aspire, and Chase Southwest Airlines Priority) and discounted gift cards sold on eBay, along with many Southwest Airlines travel credits that I need to use before they expire.  When I fly Southwest Airlines, I always use up my travel funds and then redeem Southwest Airlines gift cards.  In those instances, those Southwest Airlines flights seem much cheaper to me than the original price.

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Targeted Spending Offers for US Bank Radisson Rewards Business & Personal Credit Cards

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Good morning everyone, happy Friday! I’m heading to Las Vegas this weekend to do some hiking and watch the Golden Knights NHL game.  I hope you have a fun filled weekend ahead too!  Yesterday, I received 2 targeted spending offers from US Bank regarding my US Bank Radisson Rewards Business Credit Card and US Bank Radisson Rewards Visa Signature Credit Card.  I will go through both offers and tell you what I think of each offer.  If you received different targeted offers, please let me know in the comments.  Without further ado, let’s go over the targeted spending offer on my US Bank Radisson Rewards Business Credit Card.

After spending $2,000 on the credit card, I will earn 3 bonus points per dollars, up to 5,000 bonus points.  I would need to spend an extra $1,666.67 to max out the 5,000 bonus points.  In total, I would need to spend $2,000 + $1,666.67 = $3,666.67 and earn 23,333 points ( [5 x 2,000 = 10,000] + [8 x 1,666.67 = 13,333], 10,000 + 13,333 = 23,333).  If I spent $3,666.67 on my Citi Double Cash Credit Card, I would earn $73.33.  So $73.33 cash back vs. 23,333 Radisson Rewards Points.  According to Frequent Miler’s Reasonable Redemption Value table, Radisson Rewards Points are worth 0.38 cents per point, so 23,333 points is worth $88.67, or only $15.34 more than the cash back.  I’m currently sitting on a stash of 146k Radisson Rewards Points, so I do not want/need any more points.  If you value Radisson Rewards points at more than 0.38 cents per point, you might be interested in this offer.

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