Good afternoon everyone, happy Friday! I was working on my Buy Miles & Points Page and found 6 offers that end in the next week. Always check the math to make sure that buying miles & points makes sense for you. Do not buy miles & points speculatively unless you have a use in mind. With that said, here are 6 offers that end soon. Up first, British Airways is offering up to a 50% bonus, depending on the number of British Airways Avios you purchase. This offer expires on December 19.
Updated at 1pm PT on 12/16/21: I forgot to include the value of my Hilton Free Night Certificate from my American Express Hilton Honors Aspire Credit Card. That increased the total another $200 and the info is updated below.
Good morning everyone. If you haven’t already, please read my post from yesterday (How Much Did I Pay in Credit Card Annual Fees in 2021?). In today’s post, I will share how much value I received from each credit card in 2021. Today’s post is also a sequel to my 2020 post (I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?) and my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).
These 26 credit cards were opened before January 1, 2021, with the exception of my Chase Sapphire Preferred Credit Card which I opened in July 2021. For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective. I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value (with airline miles and hotel points at conservative values between 0.5 CPP and 1 CPP). For hotel free night certificates, I used a standard value of $100, with the exception of the Marriott 50K Free Night Certificate which I valued at $200.
I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2021 and those values are summed up 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
I grouped the credit cards by issuer, sorted them by highest profit at the top, and then split them up into 3 smaller groups (LT = Laura’s card). Here are my thoughts from the first group:
| Credit Card Name | Credit Card Benefits | CCB $ | RO $ | AF $ | P / L |
| AMEX Business Platinum | $300 Dell credit, $200 Airline Fee credit, $169 CLEAR credit, $30 Wireless credit, and $25 Staples AMEX Offer | $724 | $595 | $595 | $724 |
| AMEX Hilton Honors Aspire | $250 Hilton Resort credit, $250 Airline Fee credit, $200 Restaurant credit, and $200 value from Hilton Free Night Certificate | $900 | $0 | $450 | $450 |
| AMEX Delta Gold Business | $90 Wireless credit and I closed this credit card to avoid paying the $99 annual fee | $90 | $0 | $90 | |
| AMEX Gold | $100 Airline Fee credit, $100 Dining credit, $100 Uber credit, and $25 1-800-FLOWERS AMEX Offer | $325 | $0 | $250 | $75 |
| Bank of America Alaska Airlines (LT) | $100 value from the Alaska Airlines Companion Fare | $100 | $0 | $75 | $25 |
| Bank of America Alaska Airlines Business | $100 value from the Alaska Airlines Companion Fare | $100 | $0 | $75 | $25 |
| Barclays Wyndham Rewards Earner Business | 15,000 Wyndham Rewards anniversary points ($150) and 13,500 points from the 10% cardmember discount on award stays ($135) | $285 | $0 | $95 | $190 |
| Capital One Venture Rewards (LT) | None (Laura’s go to credit card for everyday spending) | $0 | $0 | $59 | -$59 |
Good afternoon everyone, happy Friday! I was working on my Buy Miles & Points Page and found 3 offers that are ending in the next week. Always check the math to make sure that buying miles & points makes sense for you. Do not buy miles & points speculatively unless you have a use in mind. With that said, here are 3 offers that end soon.
Up first, Avianca Airlines is offering up to a 175% bonus, depending on the number of Avianca Airlines LifeMiles you purchase. This offer expires December 13.
Good evening everyone. I just received an email from Club Wyndham for a 4 night stay in Las Vegas, Orlando, Oceanside and 7 other cities + 30,000 Wyndham Rewards Points for $199. There are also some options for a 3 night stay + 15,000 Wyndham Rewards Points for $149. These are some of the highest bonuses I have ever seen for Wyndham vacation packages. These vacation packages require attending a 2 hour timeshare presentation (please see the terms and conditions before booking). You may be able to get an even better deal if you call the Club Wyndham phone number (1-855-895-3640). The phone reps really want people to attend the timeshare presentation and have the power to give you more incentives, like more free points or a prepaid gift card. I also saw some offers that came with SeaWorld tickets, AMEX gift cards, Caesars Rewards gift cards, and more.
I’m not sure if this matters, but I am in California, I have Wyndham Rewards Diamond Elite Status and I have the Barclays Wyndham Rewards Earner Business Credit Card. I didn’t see a book by date on the email, so I am not sure how long this promotion will last. Here is the email I received from Club Wyndham:
Good morning everyone, happy Friday! If you have no plans tomorrow (Saturday, December 4), I highly recommend attending the FTU Virtual Seminar (tickets available for $25) or free if you have the FTU Online Annual Membership. The seminar starts on Saturday, December 4 at 8am PT / 11am ET. I have attended all of the FTU Virtual Seminars over the last year and they are always well done, educational, and entertaining – and I am sure this seminar will be no exception! Here is the schedule and lineup of speakers:
