Tag Archives: credit cards

I Downgraded my JPMorgan Chase Ritz Carlton to Chase Marriott Bonvoy Boundless ($450 AF to $95 AF)

Good afternoon everyone.  A few months ago, I upgraded my Chase Marriott Bonvoy Boundless Visa Signature to JPMorgan Chase Ritz Carlton Visa Infinite.  Fast forward to March 1 and the $450 annual fee posted to my Ritz Carlton credit card.  Over the last few weeks, I was trying to decide if I should keep this credit card and pay the $450 annual fee or downgrade to the Marriott Bonvoy Boundless credit card which only has a $95 annual fee (but comes with a 35K Marriott Bonvoy free night certificate).

The biggest reason for me to downgrade this credit card was the loss of the Visa Infinite Discount Air Benefit which allowed me to save $100 on roundtrip domestic flights for 2 or more passengers.  I used that benefit a few times last year and was looking forward to using it a few times this year to offset the $450 annual fee.  Unfortunately, that benefit abruptly disappeared in early January 2020.

With that benefit gone, the remaining 2 benefits worthwhile to me were the $300 annual travel credit and the 50K Marriott Bonvoy free night certificate.  As of today, I already redeemed the free night certificate for a hotel in New York City in June and used ~$85 of the $300 annual travel credit.

I called the JPMorgan Chase customer service number to see if they could waive the annual fee, but that was not possible, so I suggested downgrading to the Marriott Bonvoy Boundless credit card.  After a few minutes, the downgrade process was completed.  I will receive the new credit cards in the next week and the $450 annual fee would be refunded back to my account in the next few days ($450 annual fee was refunded the following day).  Here is what my Marriott Bonvoy Boundless card looks like in my Chase online account.

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Stuck at Home? Listen to Grant on the Saverocity Observation Deck Podcast

Good morning everyone.  A few weeks ago, I was a guest on the Saverocity Observation Deck podcast.  We talked about my Ireland trip (now cancelled), my British Airways / Match.com love story, and what’s in my iPhone wallet.  The episode is ~40 mins for regular listeners or ~60 minutes if you are a Patreon paid subscriber (you will hear Laura make her podcast debut).  Listen to the episode on your favorite podcasting app or listen online here.  Have a great day everyone.

I Cancelled My Trip to Ireland

Good afternoon everyone.  Yesterday, after hearing about the Europe travel ban, we decided to cancel our trip to Ireland.  It’s disappointing but life is unpredictable right now.  Thankfully, most of the trip was booked with miles and points, so cancelling was easy.  I was able to cancel my Hyatt award stay and all 5 Radisson Blu award stays since I was outside the cancellation period and the hotel points were immediately redeposited to my accounts.   I cancelled my rental car reservation booked through Priceline.  I had purchased a few activities through Expedia and was able to cancel those as well.  I should receive the credit card refund in a few days.

Lastly, I needed to cancel my round trip SFO-DUB Aer Lingus award ticket booked with British Airways Avios.  Online, it shows a $55 cancellation fee per passenger.  I called BA and asked if they could waive the cancellation fee but was told that the flight is still operating as scheduled and that if the phone agent cancelled the reservation, there would be an additional $25 fee.  I decided to cancel the award ticket online and the BA Avios were immediately redeposited to my BA account.  The cash refund should arrive in the next 1-2 weeks.

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$5 TurboTax Chase Offer Triggered with State Tax Return E-File

Good afternoon everyone.  If you are working on your taxes this weekend and using TurboTax, don’t forget about the $5 TurboTax Chase Offer.  $5 is not much, but it’s better than nothing.  The Chase Offer expires on April 30, 2020, and should be triggered with any TurboTax purchase.  I saw the same TurboTax offer on all my personal Chase credit cards but I decided to add and use the offer on my Chase Sapphire Reserve Credit Card since Chase Ultimate Reward Points are more valuable than Marriott, Hyatt, or IHG points.

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2020 Datapoint: AMEX Airline Fee Credit for American Airlines Posted in 7 Days

Good morning everyone, I hope your weekend is going well (despite the daylight saving time change).  Last week, I wrote Use American Express Chat to Change Airline Fee Credit Airline Choice (Almost 100% Automated).  In that post, I showed you how you could easily change your airline choice for the American Express airline fee credit by using the AMEX chat feature.  In today’s post, I will share my experience getting the airline fee credit for a few American Airlines seat upgrades.  As you can see by this email from American Express, my airline choice was changed to American Airlines on 10:16am on February 29, 2020.

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