Tag Archives: Chase Ultimate Rewards Points

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I Paid $4,043 in Credit Card Annual Fees in 2022 – Was it Worth it?

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Good evening everyone, I hope your week is going well.  With the end of the year right around the corner, I decided to publish my 2022 version of credit card annual fees I paid this year.  For comparison, here are my previous credit card annual fee posts:

For this year’s post, I decided to break up the list of credit cards into 5 sections:

  • Annual fees paid on new credit cards with sign up bonuses
  • Annual fees paid on credit cards that received retention offers
  • Annual fees on credit cards that have been upgraded / downgraded / product changed
  • Annual fees on credit cards that I closed
  • All other credit cards

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

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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?)

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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

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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?

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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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