Tag Archives: Credit Cards

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Marriott Vacation Club Shadow Ridge Timeshare Vacation Package: $249 for 4 Nights + 15,000 Marriott Bonvoy Points (Targeted)

Good afternoon everyone, I hope your weekend is going well.  Today, I received a targeted timeshare vacation package offer via mail for the Marriott Shadow Ridge in Palm Desert, CA (near Palm Springs).  The cost is $249 for a 4 night / 5 day stay, plus you have your choice of 15,000 Marriott Bonvoy Points or a $75 Marriott gift card.  If you value 15,000 Marriott points at $150, that brings the cost down to $100 for 4 nights or $25 / night.  You need to attend a 90 minute timeshare sales presentation, but that seems like a pretty good deal.  I have experience with timeshare sales presentations and they are not too bad.  I will go through the booking process to show you what it is like, what is included, and how much it costs.

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Image source: https://www.marriott.com/en-us/hotels/ctdsr-marriotts-shadow-ridge-i-the-villages/overview/

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Upcoming Changes to Charitable Matches, Gift Card Redemptions, and Rewards Expirations for US Bank Altitude Go, Altitude Connect, Cash+ & Shopper Cash Credit Cards (Effective April 14)

Good afternoon everyone, happy Friday!  I was reviewing my US Bank credit cards and noticed a few upcoming changes to these 4 cards: Altitude Go, Altitude Connect, Cash+, and Shopper Cash.  All of these changes go into effect on April 14, 2025.

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US Bank Altitude Go Credit Card

Here are the major changes, but click here to see the full details:

  • Discount on purchased gift cards: Coming in early 2025! Receive discounts of up to 5% on dozens of name brand gift cards.
  • Updated rewards earning: 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter (then 1X point).  You will continue to earn 2X points at grocery stores, at gas stations/EV charging stations and on streaming services and 1X point on all other eligible purchases. Plus, $15 credit for annual streaming service purchases. Excludes discount stores/supercenters and wholesale clubs.
  • Reward redemption and expiration changes: Points will not expire as long as you keep your account active. To keep your account active, simply make a purchase, maintain a balance or redeem rewards. Points will expire if there is no activity for 12 consecutive billing cycles. You’ll get the most value when you redeem points as a deposit to an eligible U.S. Bank account, at $0.01 per point—where 10,000 points are equal to $100. And, you can redeem points for a monetary charity contribution to a variety of nonprofits, and U.S. Bank will match your contribution at 100%. When redeeming points for a statement credit, travel, gift cards, merchandise, Real-Time Rewards and U.S. Bank Rewards Card, the point values and redemption minimums may vary over time, and will be disclosed upon redemption.

5% discounts on gift cards is not very exciting.  The $2,000 quarterly cap on the 4x categories is new, since there is currently no cap on those categories. US Bank might change the redemption minimums for Real-Time Rewards.

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2024’s Must-Reads: Have You Read My Most Popular Posts Yet?

Good afternoon everyone, happy New Year’s Eve!  As we wrap up 2024, it’s time to take a look at my top 10 most popular blog posts of the year. Barring any crazy last minute spikes in blog readership today, these are the top 10 blog posts written in 2024 and top 10 blog posts written in previous years. If you are curious, here were the most popular posts from 20162017201820192020, 2021, 2022, and 2023.

2024’s Most Popular Blog Posts (Written in 2024)

  • PSA: Bank of America Won’t Automatically Send a Replacement Debit Card when your Card Expires (2/20/24) – I realized my Bank of America debit card had expired in July 2022, and I never received a replacement debit card until I requested one in February 2024, despite having it stored in ApplePay. My frustration grew from the lack of notifications and outdated PIN change process. Judging by the number of pageviews this post received, I guess I wasn’t the only one with this problem.
  • My 2023 Peloton Bike Rental Year End Review (Total Cost of Ownership & Workout Class Stats) (1/21/24) – In 2023, I rented a Peloton bike instead of buying one, opting for the flexibility of a monthly rental with the option to pause or return it. Although I didn’t meet my fitness goals, I appreciated the variety of classes, the ability to create multiple profiles, and the affordability of the rental option, especially with my employer’s fitness reimbursement.  I wasn’t planning on writing a 2024 Peloton year end review, but since this post was so popular, I will work on a 2024 update in the coming days.
  • Attention Coinstar Users: Not All Kiosks Offer Amazon eGift Cards (1/19/24) – During a recent trip to SoCal, I used a Coinstar kiosk to convert a bag of change into an eGC, only to find that Amazon was missing as a redemption option. After researching, I discovered that not all kiosks offer Amazon eGCs, with availability varying by location and grocery store chain.  I wish all Coinstar kiosks had the same redemption offers so this issue would be avoided.

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My Overly Ambitious 2025 Airline, Hotel & Credit Card Predictions

Good morning everyone, happy Sunday!  Not to be deterred by my abysmal 2024 results (How Right (& Wrong) were my 2024 Airline, Hotel & Credit Card Predictions?), 2025 is a fresh year and the year all most some a few of my predictions will come true.  Without further ado, here are my predictions for 2025:

My 2025 Airline Predictions:

  • Alaska Airlines or Southwest Airlines will bring back their “convert travel funds to airline miles” feature.
  • Alaska Airlines will let you use the Companion Fare to book Hawaiian Airlines flights.
  • American Airlines will return as a Citi ThankYou Points transfer partner.
  • British Airways will lower their partner redemption prices for American Airlines and Alaska Airlines.
  • Delta will increase the annual fee on their credit cards and increase the Delta SkyMiles discount to 20%-25%.
  • JetBlue will allow you to redeem points on a new partner airline (besides Etihad Airways, Hawaiian Airlines and Qatar Airways).
  • Southwest Airlines will do a status match once they start selling seat assignments.
  • United Airlines will bring back their “family pooling” feature.

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How Right (& Wrong) were my 2024 Airline, Hotel & Credit Card Predictions?

Good morning everyone, happy Friday!  I know it is a few days before the end of the year, so technically, all of these predictions could come true, but I am going to call it now.  At the beginning of the year, I wrote My Overly Ambitious 2024 Airline, Hotel & Credit Card Predictions.  The original predictions are in black, correct predictions are in green, and incorrect predictions are in red.  Without further ado, here are the results of my predictions for 2024:

My 2024 Airline Predictions

  • Alaska Airlines or Southwest Airlines will introduce a “family pooling” benefit for miles or travel credit. – Technically, Alaska Airlines doesn’t allow “family pooling”, but it is possible (right now) to move miles into a single account.  If someone in your family has a Barclays Hawaiian Airlines Credit Card, you can transfer Hawaiian Airlines Miles between accounts for free and move those miles to and from your Alaska Airlines account for free.  Read this post for step by step instructions.
  • American Airlines will allow Web Special awards to be changed online (currently, they can only be cancelled). – Nope, you cannot make changes to American Airlines Web Special awards.
  • British Airways will add another airline (besides Finnair) to the Avios family. – Nope, Qatar and Finnair were the most recent additions to the Avios family.
  • Delta will change their 15% SkyMiles discount for Delta credit cards holders. – Nope, the 15% discount for credit card holders hasn’t changed.
  • United will allow you to combine multiple travel bank funds and future flight credits for the same reservation. – Nope, it is not possible to combine travel bank funds and future flight credits for a single United Airlines reservation.

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