Tag Archives: Hyatt Hotels

How Right (or Wrong) were my 2021 Airline, Hotel & Credit Card Predictions?

Good morning everyone, I hope your week is going well.  A year ago, I wrote My Rock Solid 2021 Airline, Hotel & Credit Card Predictions.  It is now time to review my 2021 predictions and see how right (or wrong) I was.  My original predictions are in black, I will comment in green if my prediction was right, and comment in red if my prediction was wrong.  Let’s see how I did…

My 2021 Airline Predictions (1 for 3)

  • Alaska Airlines or Southwest Airlines will make their “convert travel funds to airline miles” feature a permanent feature on their site.  Wrong – sadly this was a temporary feature that each airline introduced in 2020 but they did not make this a permanent feature in 2021.
  • American Airlines will finally become a Citi ThankYou Points airline transfer partner.  Right – but only for a few months.  I hope American Airlines comes back as a Citi ThankYou Point airline transfer partner in 2022.
  • Delta Airlines or United Airlines will introduce a “Cash and Miles” payment option for award tickets (pay 10,000 miles or pay 8,000 miles + $40).  Wrong – neither Delta nor United introduced a “Cash and Miles” payment option.

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I Paid $3,009 in Credit Card Annual Fees in 2021 – Was it Worth it?

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:

  • The retention offer on my American Express Business Platinum Card propelled that card to the top of the charts.  It was already a money maker, but the retention offer was the icing on the cake.
  • I was very diligent about using all Airline, CLEAR, Dell, Hilton Resort, Restaurant, Uber, and Wireless credits on all my AMEX cards this year.
  • I can easily get more than $100 value from the Alaska Airlines Companion Fares with trips to Hawaii or New York, or expensive last minute travel.
  • I’ve gotten so much value out of the Barclays Wyndham Rewards Earner Business Credit Card thanks to Vacasa vacation rentals.
  • Laura loves her Capital One Venture Rewards Credit Card so much, I don’t think she could ever give it up (even though I tell her the card is not worth the $59 annual fee).
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 $99 $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

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6 Buy Miles / Points Promos Ending Soon: Hawaiian (100%), United (100%), Alaska (60%), Etihad (60%), American (35%) & Hyatt (30%)

Good afternoon everyone, happy Friday!  I was working on my Buy Miles & Points Page and found 6 offers that end this month.  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, Hawaiian Airlines is offering up to a 100% bonus, depending on the number of Hawaiian Airlines Miles you purchase.   This offer expires on October 24.

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5 Buy Miles / Points Promos Ending Soon: Alaska (60%), Hyatt (25%), Wyndham (25%), Southwest (65%) & Etihad (60%)

Good afternoon everyone, happy Friday!  I was working on my Buy Miles & Points Page and found 5 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 5 offers that end soon.  Up first, Alaska Airlines is offering up to a 60% bonus, depending on the number of Alaska Airlines Mileage Plan Miles you purchase.  This offer expires on August 23.

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7 Buy Miles / Points Promos Ending Soon: JetBlue (30%), Alaska (50%), Choice (30%), Hyatt (30%), Frontier (125%), United (85%) & Wyndham (35%)

Good afternoon everyone, I hope your week is going well.  I was working on my Buy Miles & Points Page and found 7 offers that end in June.  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 7 offers that end soon.  Up first, JetBlue is offering up to a 30% discount, depending on the number of JetBlue TrueBlue Points you purchase.  This offer expires today – June 22.

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