Tag Archives: Free Stuff

Keep, Cancel or Convert? Chase IHG Rewards Premier Credit Card ($89 Annual Fee)

Good morning everyone, happy Friday!  Last week, I was checking my Chase IHG Rewards Premier Credit Card (currently offering a sign up bonus of 125,000 IHG Rewards Points after spending $3,000 in 3 months) statement and saw that the $89 annual fee posted to my account.  As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet (or credit card drawer).  There are 3 main reasons to keep this credit card: 1 free night certificate good for any IHG property up to 40,000 IHG Rewards Points, 4th night free when you pay for your entire stay with IHG Rewards Points, and 10x IHG Rewards Points when paying for IHG hotels (if you are a new credit card holder, you will get 25x at IHG Hotels for the first 12 months).

This card is a keeper for me, but I decided to call Chase and see if they had any retention offers available.  I mentioned to the Chase rep that I also have the Chase IHG Rewards Select Credit Card and was hoping they would waive the annual fee on this credit card.  The rep looked at my account and said there were no retention offers available.  At that time, I thanked her for looking and told her I would keep the credit card open.

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How I did on that British Airways / Match.com Deal from 2017

Good morning everyone, happy Friday!  A few years ago, British Airways was offer 150x Avios at Match.com.  After fighting with British Airways and Match.com for a few months to get my 82,286 British Airways Avios, I ended up getting a full refund from Match.com (I would have much preferred the British Airways Avios over the full refund).  Thankfully, I met a wonderful girl on Match.com named Laura…

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Mystery Solved! How I Bought 9,500 IHG Rewards Club Points for $28.80 (0.30 CPP)

Good afternoon everyone.  Through a combination of the current IHG Rewards Club Accelerate Promo and a 20% discount on Cash and Points bookings (offer now expired), I was able to buy 9,500 IHG Rewards Club Points for $28.80 (or 0.30 cents per point).  The standard price for cash and points booking is 0.72 cents per point.  Let me explain what happened.

I was looking at my IHG Rewards Club Accelerate offers and saw an offer to earn 4,500 bonus IHG Rewards Club Points with a Cash and Points booking.  Since I can use Cash and Points to purchase a minimum of 5,000 IHG Rewards Club Points, I figured I would complete this offer and get another step closer toward completing all of my Accelerate offers.

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Unboxing Wells Fargo Propel World Credit Card: Card Art, Welcome Documents & Benefits Guide

Updated at 6:15pm PT on 7/23/19: I just got a letter today with my credit card PIN.  I added the letter to the bottom of this post.

Good morning everyone.  A few days ago, I did my July App-O-Rama and was approved for the Wells Fargo Propel World Credit Card.  This credit card offers 40,000 GoFar Rewards Points (worth $400) after spending $3,000 in 3 months and also a <:em>$100 airline incidentals reimbursement.  This credit card also has no annual fee the first year and you can use AMEX Offers with this credit card because it runs on the American Express network.  Yesterday, I received my new credit card and I took a bunch of photos of the unboxing process.  I will share the card art, welcome documents, and benefits guide.  Let’s get started with the card art of the front and back of the credit card:

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Plastiq’s Fee Free Dollars (FFDs) 90 Expiration Policy (Being Enforced Soon)

Good afternoon everyone.  I have used Plastiq several times in the past to pay various bills (IRS state and federal taxes, property taxes, and other bills) and enjoyed using my Fee Free Dollars (FFDs).  You can earn FFDs by referring members to Plastiq and for participating in Plastiq promos.  When you use FFDs, you do not pay any credit card fees (so a $1,000 bill paid with a credit card only costs $1,000 – there is no added credit card fee).  FFDs are very important and represent an easy way to meet credit card minimum spending requirements.  I just received an email from Plastiq regarding the expiration policy for Fee Free Dollars (FFDs).  The email states:

Over the next few months, Plastiq will begin enforcing its FFD expiry policy. As stated in our existing terms of service, FFDs expire 90 days after issuance unless there is account activity involving FFDs (i.e. a redemption or credit).

Essentially, unused FFDs are designed to expire after 90 days. Currently, users can see the countdown to expiration in the Rewards & Referrals section, but Plastiq does not void the FFDs when the counter reaches 0.

Users can keep their FFDs active by redeeming them at least once every 90 days towards a payment or refer a new customer to Plastiq. Again, this is not a change, but rather an enforcement of our existing terms.

Here is section 8.3 of Plastiq’s terms of service that explains how FFDs work and the expiration policy:

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