Tag Archives: Chase Ink Business

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If I Could Only Keep 5 Credit Cards with Annual Fees…

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Good afternoon everyone, I hope your weekend is going well.  A few weeks ago, I wrote these 2 posts:

In those posts, I listed all the credit cards that Laura and I have.  I also justified why I paid $4,588 in credit card annual fees in 2019.  Since that post, there have been a few credit card changes (JPMorgan Chase Ritz Carlton Credit Card lost the Visa Infinite Discount Air Benefit and the Chase Sapphire Reserve Credit Card added Lyft and DoorDash benefits).  A few readers commented and other bloggers linked to the top post and shared which credit cards they keep every year.  As part of my 2020 travel resolutions, I said I wanted to reduce the amount I paid in credit card annual fees.  In this theoretical post, here are the 5 credit cards with annual fees that I would keep…

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I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?

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Good morning everyone.  As we approach the end of the year, I decided to take a look at my credit card spreadsheet and see how much my wife and I paid in annual fees this year.  I removed all the no annual fee credit cards and here are the 26 credit cards that have annual fees (sorted alphabetically).  I will break down this list into cards that I am 99% sure that I will cancel, 99% sure that I will keep, and the 50/50 cards that I might keep or cancel.  Read through this post and let me know if you agree or disagree with my thinking.

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Targeted Q2 Credit Card Offers: 4,000 Hyatt Points, 3,000 IHG Reward Points & 2,500 Lufthansa Miles

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Good morning everyone.  As we wrap up Q1, the targeted credit card offers for Q2 are just now arriving.  Here are 3 offers that I have received in the last 2 days and I will share my logic with you on whether or not they are worth pursuing.  Up first, I have the Chase Hyatt Credit Card with 4,000 bonus points after spending $4,000 between April 1 and June 30.  4,000 Hyatt Points is worth $60-$80 to me, but I am not excited to spend $4,000 to get up to $80 in return (2% bonus).  I could get 4,000 Hyatt Points by generating 4,000 Chase Ultimate Reward Points on my Chase Ink Plus.  That would only require $800 of 5x spending and I can do that in 1 day with gift card purchases from PayPal Digital Gifts on eBay.  I am going to pass on this offer.

Targeted Chase Hyatt Credit Card Offer Q2

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New Writer Q&A with Will (The Tactical Traveler)

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Good morning everyone, here is the third Q&A post from my new writers.  If you missed the first two, I highly recommending reading Tonei’s Q&A and Whitney’s Q&A.  I hope you are all enjoying the extra content this month, I have been very pleased with all the great blog posts and ensuing comments.  Hopefully there will be plenty more to come in the new year as well.  My next Q&A is with my friend Will…

Hello Travel with Grantians…my name is Will and I have agreed to become one of Grant’s new blog contributors! I am going to write under the pen name, The Tactical Traveler.

I met Grant through reading his blog and conversing via email, and eventually met him in person at an FTU (Frequent Traveler University – a travel conference) in Dallas. Grant and I have since become good friends, have traveled together, and met up at multiple travel conferences (Grant even spent the weekend at my house).

Hanging out in Amtrak sleeper car from Denver to San Francisco. Grant (left), Nigel (middle) and Will (right)

Hanging out in Amtrak sleeper car from Denver to San Francisco. Grant (left), Nigel (middle) and Will (right)

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Should I Convert my Chase Freedom to a Chase Sapphire Reserve Credit Card?

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Good morning everyone, I hope your week is going well.  I am struggling to make a decision regarding the Chase Sapphire Reserve Credit Card.  I really want the credit card and sign up bonus, but due to the Chase 5/24 rule, I am not getting any new Chase credit cards anytime soon.  I also have a few Chase business cards that I don’t use much.  Should I convert my Chase Freedom Credit Card to a Chase Sapphire Reserve Credit Card?  Here are the facts in my situation:

  • I am way over the Chase 5/24 rule, so I am not getting a new Chase credit card anytime soon
  • I am not a Chase Private Client and have not been pre-approved for the Chase Sapphire Reserve or Chase Ink Preferred
  • I currently have a Chase Freedom, Chase Ink Cash, and Chase Ink Plus
  • I do not have a Chase Sapphire Preferred or Chase Freedom Unlimited
  • I do not max out my Chase Ink Cash or Chase Ink Plus 5x categories
  • I do not max out my Chase Freedom 5% rotating cash back categories
  • My Chase Ink Plus annual fee is due in March 2017
  • You can only convert a Chase Freedom, Chase Freedom Unlimited, Chase Sapphire, or Chase Sapphire Preferred to a Chase Sapphire Reserve.
  • You need to have a credit line of at least $10,000 to be approved for the conversion (my Chase Freedom has a $25,000 credit line).

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