Tag Archives: Chase Ultimate Rewards Points

$700 Trade-In Value for my Old iPhone XS Toward New iPhone 13 Pro (Current Promos with AT&T and Verizon)

Good afternoon everyone, I hope your week is going well.  A few weeks ago, I traded in my old iPhone XS from 2018 for $700 toward a new iPhone 13 Pro.  My old iPhone was in pretty good shape but the battery wasn’t holding a great charge.  I heard about these trade-in deals with AT&T and Verizon so I did some research and found out how they worked.  Now that I understand how these trade-in deals work, I thought I would write this post to explain the process.  If you have an old iPhone or other smartphone, check with your current wireless carrier to see if they have any similar upgrade offers.  Also, these deals change on a monthly basis, so check back often to see if new deals are live.

First things first, I have AT&T, so the majority of this post talks about AT&T’s trade-in program.  Laura has Verizon, so I can confirm that the Verizon upgrade and trade-in process is very similar, which I will cover at the end of this post.  Here are the newest iPhones available on the AT&T website and you will see the banner that says “Up to $700 w/ Trade”.  The iPhone 13 and iPhone 13 Pro are almost the same size as my old iPhone XS, so I wanted my new iPhone to be the same size.  The iPhone 13 Pro has 3 cameras, a larger battery, and faster processor vs the iPhone 13 so I decided to purchase the iPhone 13 Pro.

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Chase IHG Rewards Cardholders: 20% Discount on Award Stays of 1-3 Nights (Targeted?)

Good morning everyone.  I just received an email from IHG this morning about a promotion for Chase IHG Rewards Cardholders (this may be targeted, YMMV).  You can get a 20% discount on award stays of 1-3 nights when you book your reservation by February 8 and complete your stay by March 13.  I have the old $49 Chase IHG Rewards Select Credit Card, the $89 Chase IHG Rewards Premier Credit Card, and I am also an IHG Spire Elite member.  Here is the landing page for the offer, but I think the 20% discount will only show up if your account was targeted, there is no enrollment link.  I decided to do a dummy 3 night stay and a dummy 4 night stay to see what the discount looks like and how it works.

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Unboxing Chase Ink Business Unlimited Credit Card: Card Art, Welcome Letter & Benefits Booklets

Good morning everyone.  Last week, I applied for the Chase Ink Business Unlimited Credit Card and I was instantly approved.  I have a few large bills to pay in the coming weeks, so I decided to apply for this card.  The current sign up bonus is 75,000 Chase Ultimate Rewards Points (equal to $750 cash back) after spending $7,500 in 3 months which fits perfectly with my upcoming purchases.  In today’s post, I wanted to share the card art, welcome letter, benefits booklet, activation process, and the process of moving credit limits around between business credit cards.

Here is the front and back of the Chase Ink Unlimited.  The card design is clean, simple and very similar to the design of the Chase Ink Cash and Chase Ink Plus.

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How Right (or Wrong) were my 2021 Airline, Hotel & Credit Card Predictions?

Good morning everyone, I hope your week is going well.  A year ago, I wrote My Rock Solid 2021 Airline, Hotel & Credit Card Predictions.  It is now time to review my 2021 predictions and see how right (or wrong) I was.  My original predictions are in black, I will comment in green if my prediction was right, and comment in red if my prediction was wrong.  Let’s see how I did…

My 2021 Airline Predictions (1 for 3)

  • Alaska Airlines or Southwest Airlines will make their “convert travel funds to airline miles” feature a permanent feature on their site.  Wrong – sadly this was a temporary feature that each airline introduced in 2020 but they did not make this a permanent feature in 2021.
  • American Airlines will finally become a Citi ThankYou Points airline transfer partner.  Right – but only for a few months.  I hope American Airlines comes back as a Citi ThankYou Point airline transfer partner in 2022.
  • Delta Airlines or United Airlines will introduce a “Cash and Miles” payment option for award tickets (pay 10,000 miles or pay 8,000 miles + $40).  Wrong – neither Delta nor United introduced a “Cash and Miles” payment option.

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I Paid $3,009 in Credit Card Annual Fees in 2021 – Was it Worth it?

Updated at 1pm PT on 12/16/21: I forgot to include the value of my Hilton Free Night Certificate from my American Express Hilton Honors Aspire Credit Card.  That increased the total another $200 and the info is updated below.


Good morning everyone.  If you haven’t already, please read my post from yesterday (How Much Did I Pay in Credit Card Annual Fees in 2021?).  In today’s post, I will share how much value I received from each credit card in 2021.  Today’s post is also a sequel to my 2020 post (I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?) and my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).

These 26 credit cards were opened before January 1, 2021, with the exception of my Chase Sapphire Preferred Credit Card which I opened in July 2021.  For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective.  I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value (with airline miles and hotel points at conservative values between 0.5 CPP and 1 CPP).  For hotel free night certificates, I used a standard value of $100, with the exception of the Marriott 50K Free Night Certificate which I valued at $200.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2021 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 fees 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 grouped the credit cards by issuer, sorted them by highest profit at the top, and then split them up into 3 smaller groups (LT = Laura’s card).  Here are my thoughts from the first group:

  • The retention offer on my American Express Business Platinum Card propelled that card to the top of the charts.  It was already a money maker, but the retention offer was the icing on the cake.
  • I was very diligent about using all Airline, CLEAR, Dell, Hilton Resort, Restaurant, Uber, and Wireless credits on all my AMEX cards this year.
  • I can easily get more than $100 value from the Alaska Airlines Companion Fares with trips to Hawaii or New York, or expensive last minute travel.
  • I’ve gotten so much value out of the Barclays Wyndham Rewards Earner Business Credit Card thanks to Vacasa vacation rentals.
  • Laura loves her Capital One Venture Rewards Credit Card so much, I don’t think she could ever give it up (even though I tell her the card is not worth the $59 annual fee).
Credit Card Name Credit Card Benefits CCB $ RO $ AF $ P / L
AMEX Business Platinum $300 Dell credit, $200 Airline Fee credit, $169 CLEAR credit, $30 Wireless credit, and $25 Staples AMEX Offer $724 $595 $595 $724
AMEX Hilton Honors Aspire $250 Hilton Resort credit, $250 Airline Fee credit, $200 Restaurant credit, and $200 value from Hilton Free Night Certificate $900 $0 $450 $450
AMEX Delta Gold Business $90 Wireless credit and I closed this credit card to avoid paying the $99 annual fee $90 $0 $99 $90
AMEX Gold $100 Airline Fee credit, $100 Dining credit, $100 Uber credit, and $25 1-800-FLOWERS AMEX Offer $325 $0 $250 $75
Bank of America Alaska Airlines (LT) $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Bank of America Alaska Airlines Business $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Barclays Wyndham Rewards Earner Business 15,000 Wyndham Rewards anniversary points ($150) and 13,500 points from the 10% cardmember discount on award stays ($135) $285 $0 $95 $190
Capital One Venture Rewards (LT) None (Laura’s go to credit card for everyday spending) $0 $0 $59 -$59

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