Tag Archives: Credit Cards

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

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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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I Paid $5,341 in Credit Card Annual Fees in 2024 – Was it Worth it?

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Good afternoon everyone, I hope your holiday season is going well.  With the end of the year right around the corner, I decided to publish my 2024 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:

  • Credit cards with sign up bonuses
  • Credit cards with retention offers
  • Credit cards with product changes
  • Credit cards that were closed this year
  • All other credit cards

For simplicity, I did not include the value of miles or points earned from credit card spend, but I did include the value of miles and points earned from sign up bonuses, referral bonuses, anniversary points, discounted points, and rebated points.  I counted all credits, reimbursements, and retention offers at face value.  I list the value of all tangible and intangible benefits below too.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2024 and those values are 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.  Laura’s card are included as well. Continue reading →

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InKind $50 Referral Bonus + 40% Discount on Gift Cards at Costco (Deal Expires 12/25)

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Updated 12/20/24 at 9am PT: New Costco deal for InKind gift cards available now through December 25.

Good morning everyone, happy Friday! I just received an email from InKind letting me know that they’ve doubled the referral bonus from $25 to $50 if your referral signs up and spends $50 with InKind by January 31, 2025. If they don’t meet the requirements by the deadline, you’ll still receive the standard $25 referral bonus once they spend $50. There’s no special referral link for this promo, so you can continue using your current referral link. If you’d like to use my InKind referral link, you will get a $25 bonus after you spend $50 or more with InKind.  But wait, there’s more…

If you are a Costco member, you can buy a $100 InKind gift card for just $59.99, but this offer ends on December 25. See the details below for more info.

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Skip TKTS: Get Broadway Show Tickets at the Box Office (No Service Fee) or through Telecharge Lottery / Rush Offers

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Good evening everyone, I hope you had a great weekend.  A few weeks ago, Laura and I spent a few days in New York City and saw a few shows on Broadway, Off Broadway, and at Radio City Musical Hall.  I learned a few things about buying show tickets so I wanted to pass along that advice.  This advice works great in NYC, but should also work well in other cities that have Broadway shows and events.  Since we stayed at the Crowne Plaza Times Square (read Track IHG Nightly Award Rates & Rebook When Prices Drop), we were able to see 5 different shows during our 3.5 days in NYC.

A few days before we arrived in NYC, we narrowed down our list of shows to see.  Laura really wanted to see Suffs (“Shaina Taub’s epic new musical telling the story of the suffragists as they fight for the women’s right to vote”); I really wanted to see Water For Elephants (“The new musical based on Sara Gruen’s best-selling novel of the same name arrives on Broadway”; and we both wanted to see the Radio City Rockettes Christmas Spectacular.  We bought these tickets online through the official Broadway website and Ticketmaster.

I’m passionate about live theater, so when I travel all the way to NYC and make my way to the theater, I want good seats in the Orchestra section. Since I may only see each show once, I want to sit close enough to the stage to truly enjoy the performance.  Unfortunately, when you buy tickets online, you’re hit with service fees. For example, 2 tickets to Suffs came with $102 in service fees. If I was already in NYC, I could’ve walked to the box office and purchased the same tickets in person, saving $102 in service fees.

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Chase 5/24 Rule Is Overrated: 6 Credit Cards & Bonuses I Scored After I Stopped Worrying

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Good morning everyone, I hope your weekend is off to a great start.  Every time a new credit card is announced or the sign up bonus increases to an all-time high, bloggers and readers debate endlessly about whether the card is “worthy of a Chase 5/24 slot.”  Back in the day (before the Chase 5/24 Rule existed), I think Chase had the best credit cards and the best sign up bonuses, but those days are long gone.  Many credit cards from American Express, Bank of America, Barclays, Capital One, Citi, US Bank, and Wells Fargo have bigger sign up bonuses and more transferable points than similar Chase credit cards. I like to think of myself as a free agent when it comes to credit cards, miles, and points, so I Chase chase the credit card sign up bonus, regardless of the credit card issuer.

I currently have 8 Chase credit cards, and based on my Chase 5/24 score, I won’t be able to pick up any new Chase credit cards for more than a 12-18 months.  The last Chase credit card I applied for was the Chase Ink Cash Credit Card and I was happy to pick up 90,000 Chase Ultimate Rewards Points.  Here is my current Chase credit card roster:

Grant’s Chase Credit Cards Opened Notes
Chase Freedom Flex 1 11/1/2013 Opened Chase Freedom (2013), converted to Chase Sapphire Reserve (2017), & converted to Chase Freedom Flex (2021).
Chase IHG Rewards Select 11/18/2013
JPMorgan Chase Ritz Carlton 12/15/2014 Opened JPMorgan Chase Ritz Carlton (2014), converted to Chase Marriott Premier Plus (2017), & converted to JPMorgan Chase Ritz Carlton (2019).
Chase Ink Plus 3/21/2016
Chase IHG Rewards Premier 7/25/2018
Chase Freedom Flex 2 7/13/2021 Opened Chase Sapphire Preferred (2021) & converted to Chase Freedom Flex (2023).
Chase IHG Rewards Business 6/17/2022
Chase Ink Cash 10/13/2023

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