Tag Archives: Hotel Loyalty Points

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No Upcoming Hilton Stay? Turn Your Credit Into a $50 Snack Shopping Spree

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Reposting on 3/15/2025: as we approach the end of Q1, you only have 2 more weeks to use your Q1 $50 Hilton Credit from your Hilton Surpass credit card and AMEX Platinum card. Don’t despair if you don’t have any upcoming Hilton stays, just go on a Hilton snack shopping spree! Read the full post for more details.

Reposting on 12/10/2025: as we approach the end of the year, you only have 3 weeks left to use your Q4 $50 Hilton Credit from your Hilton Surpass credit card and AMEX Platinum card. Don’t despair if you don’t have any upcoming Hilton stays, just go on a Hilton snack shopping spree! Read the full post for more details.

Good afternoon everyone, I hope your week is going well.  Last week, I received a reminder email from Hilton about the Q4 $50 Hilton credit on my American Express Hilton Honors Surpass Credit Card.  I also receive another Q4 $50 Hilton credit from my American Express Business Platinum Card.  In the past, it was easy to use both credits, I’d simply book a Hilton stay once a quarter.  But things are a little different now with a newborn at home.  So when Q3 was coming to an end, I had to get creative to make sure those Hilton credits didn’t go to waste.

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Don’t Let your Hilton Free Night Certificate Expire: Call to get a 2 Week Extension

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Good afternoon everyone, happy Friday! Today I wanted to share a quick tip that might save you from losing a very valuable free night certificate. If you’ve ever earned a Hilton Free Night Certificate from a credit card, you know how valuable they can be toward a hotel stay. Unfortunately, those certificates also come with expiration dates and those dates may not line up with your travel plans.  Recently, I had a Hilton Free Night Certificate that was set to expire on February 10.  Instead of rushing to use it on a nearby hotel, I decided to call Hilton (1-800-446-6677) and see if there was anything they could do.  After explaining the situation, the rep offered to extend my existing certificate by 2 weeks.

To find your certificate and expiration date, log into your Hilton account, click your name in the top right corner, and scroll down to the Rewards section.  You should see when your certificate is set to expire.

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My Favorite Underrated Wells Fargo Autograph / Journey Credit Card Feature: Transfers Starting at 1 Point

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Good afternoon everyone and happy Friday! A warm welcome to any former Bilt Card 1.0 members who may have found their way here. By now, you’ve likely received your no annual fee Wells Fargo Autograph Credit Card and are wondering: What should I do with this card, should I keep it?

While the Wells Fargo Autograph offers decent bonus categories, my favorite feature is something far less flashy, but far more useful to me: you can earn transferable points and move them to airline and hotel partners without paying an annual fee.  This is a huge deal if you ever need to top off an account with fewer than 1,000 points. There are no minimum transfer amounts, which means no orphaned points stranded after a redemption.  That combination is wonderful, but not very common in the miles / points space.

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When Should You Add or Upgrade to a Premium Citi ThankYou Point Credit Card?

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Good afternoon everyone, I hope your weekend is going well.  A few days ago, I read Frequent Miler’s post (Now transfer from most Citi cards to most ThankYou partners (even from Custom Cash)) and I started thinking about Citi ThankYou Point (TYP) transfers.  Among my 6 Citi TYP earning credit cards, I have always had a Citi Strata Premier Credit Card (and the OG Citi Premier) in order to transfer TYPs to airline and hotel partners.  Recently, Citi started allowing non-premium Citi TYP cards to transfer TYPs to travel partners, but the transfer ratio is ~70% of the premium Citi TYP cards.

For example, if you have a premium Citi TYP card (Strata Elite, Strata Premier, Prestige, or AT&T Access More), your transfer ratios are normally 1,000 TYPs = 1,000 airline miles (like this Avianca LifeMiles transfer).  Conversely, if you have one of the many non-premium Citi TYP cards (ThankYou Preferred, Strata, Double Cash, Custom Cash, ThankYou Mastercard, AT&T Universal Rewards World, AT&T Universal Savings and Rewards, AT&T Universal Rewards, AT&T Points Plus, or AT&T Access), your transfer ratios are normally 1,000 TYPs = 700 airline miles.

My question became… at what point should you add or upgrade a premium Citi TYP card to your Citi lineup?

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My 2025 Plans for US Bank Smartly & Altitude Reserve Credit Cards

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Good afternoon everyone, I hope your week is going well.  There have been lots of new credit card launches and major credit card changes in the month of July, but in this post, I am going to focus on the changes to the US Bank Smartly Credit Card and US Bank Altitude Reserve Credit Card (no longer available for new applicants).  Doctor of Credit wrote about the various changes to the Smartly cards here: [Varies By Cardholder] U.S. Bank To Nerf Existing Smartly Cardholders On September 15.

US Bank Smartly Credit Card – Changes coming September 15, 2025

I have 2 Smartly credit cards from product changes in January 2025 from a US Bank Cash+ and a US Bank Altitude Connect.  Luckily, I received the “better version” letter for both of my Smartly cards so that I can keep earning 4% with $100K in investment / retirement accounts with US Bank.  Effective September 15, 2025, my credit card rewards will be capped at $10K spend / month and will not work on education, school, gift cards, insurance, tax, business-to-business transactions, and third party bill payment services.

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