Tag Archives: Chase Ultimate Rewards Points

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How Many Transferrable Points Did I Earn & Spend with AMEX, Chase and Citi in 2020?

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Good afternoon everyone, I hope your week is going well.  I don’t know about you, but 2020 was the year I earned a lot more transferrable points than I spent.  I am hoping that in 2021, I will be able to spend a lot more points than I did in 2020.  For this post, I looked at my 3 favorite transferrable points programs (American Express Membership Rewards Points, Chase Ultimate Rewards Points, and Citi ThankYou Points).  I looked at my starting balances on January 1, the number of points I earned in 2020, miscellaneous point transfers in/out, the number of points I redeemed in 2020, and the ending balance on December 31 (I don’t have any plans on redeeming any points in the next few days).  For a quick calculation, I earned 350K points across the 3 programs and spent a total of 211K points (most were with Chase’s Pay Yourself Back feature).

American Express Membership Rewards Points

  • Starting Balance on Jan 1: 240K
  • Points Earned in 2020: 201K
  • Points Redeemed in 2020: 4K
  • Ending Balance on Dec 31: 438K

With American Express, I earned 201K AMEX MRs with 3 cards (American Express Business Platinum Card, American Express Gold Card, and American Express Blue Business Plus Credit Card).  The Biz Plat had many pandemic bonus categories like wireless phones, shipping charges, and Dell purchases.  The Gold Card had bonus categories for restaurants and grocery stores, along with high referral bonuses.  And the Blue Biz Plus offered 2x everywhere and was my go to card when I wasn’t working on meeting minimum spending requirements on new CCs.  Across all 3 CCs, I received a total of 65K AMEX MRs from referral bonuses.  To view your points summary, click here.  To view your redemption history, click the View Redemption History link.

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Keep, Cancel or Convert? Old Chase Hyatt Credit Card ($75 Annual Fee)

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Good evening everyone, I hope your week is going well.  I was just checking my Chase credit card accounts and saw that the $75 annual fee posted on my old Chase Hyatt Credit Card.  Effective January 11, 2021, Chase will convert all cardmembers who have the old Chase Hyatt Credit Card to the new $95 annual fee Chase World of Hyatt Credit Card.  Since I have never had the new card, I am planning on closing the old card and then applying for the new card to get the sign up bonus.  I decided to call Chase to see if they could waive the $75 annual fee anyway, but the rep said no.  I told the rep that I would think about it and call back later if I decide to close the card.  I plan on calling back in a few days to close the card and transfer my credit limit over to one of my other Chase cards.

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Chase Sapphire Reserve Double Dip: $300 Annual Travel Credit + Pay Yourself Back

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Good morning everyone, happy Friday!  I routinely check my credit card transactions a few times a week and noticed that the $300 annual travel credit began to post on my Chase Sapphire Reserve Credit Card.  In this post, I will show you how to double dip the same transactions that qualified for the $300 annual travel credit and are also eligible for Chase’s Pay Yourself Back feature.  As you can see below, a $6.45 Ralph’s grocery store purchase was eligible for the $300 annual travel credit.

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How to Use Pay Yourself Back for Shipping Purchases with Chase Ink Plus Credit Card (1.25 CPP)

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Good afternoon everyone, I hope your Friday is going well.  4 months ago, I wrote How to Redeem Chase Ultimate Rewards Points via Pay Yourself Back (1.5 Cents Per Point for Restaurants, Grocery Stores & Home Improvement).  In that post, I showed how to redeem Chase Ultimate Rewards Points for 1.5 cents per point (CPP) on your Chase Sapphire Reserve Credit Card toward qualifying purchases.  Over the last few months, Chase recently added support for other Chase Ultimate Rewards earning credit cards like the Chase Freedom Flex Credit Card and Chase Ink Plus Credit Card.

The Chase Ink Plus is no longer available for new applications, but for existing cardholders, Chase targeted some cardholders with the ability to earn 5x points on qualifying shipping and advertising purchases from August 1 through October 31, up to $10,000 in qualifying purchases.  You can see if you are targeted by navigating to the Featured Benefits section of the Chase Ultimate Rewards Portal.  In today’s post, I will show you how to redeem eligible shipping purchases made on your Chase Ink Plus for 1.25 CPP with the Pay Yourself Back feature.

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Keep, Cancel, or Convert: Chase Sapphire Reserve Credit Card ($450 Annual Fee)

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Buenos días everyone! I know it’s been a long time since you’ve heard from me – I’ve got a couple of things in the works, but for now, I thought I’d hop on to Grant’s Keep, Cancel, or Convert? Series with my thoughts on the Chase Sapphire Reserve Credit Card.

The CSR has had a spot in my wallet since it was first released, but over time, it’s been losing its luster for me as other cards have caught up with it. When Chase announced that the annual fee would be rising to $550, I knew its days in my wallet were numbered. Here’s why:

  • I opened the JPMorgan Chase Ritz Carlton Credit Card right before Chase stopped offering the card to new applicants, which offers the same travel protections as the CSR and a better Priority Pass membership.
  • Late last year, I opened a Chase Ink Business Preferred Credit Card, which earns 3x on travel and allows me to transfer my Chase Ultimate Rewards Points to airline and hotel partners.
  • Earlier this year, I opened a Citi Premier Credit Card, which earns 3x Citi ThankYou Points on restaurants and most travel purchases.
  • My Chase Freedom Credit Card and Chase Freedom Unlimited Credit Card now earn 3x Chase Ultimate Rewards Points at restaurants (though both cards have foreign transaction fees, so I won’t be using them in Mexico).

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