Tag Archives: Radisson Rewards

I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?

Good morning everyone, happy Friday!  After I published How Much Did I Pay in Credit Card Annual Fees in 2020?, several readers asked if I could share how much value I received from each credit card in 2020.  Today’s post is also a sequel to my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).  All 24 of these credit cards were opened before January 1, 2020, and no sign up bonus is included.  For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective (and most of the miles and points were not spent in 2020).  I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value.  For hotel free night certificates, I have several from 2020 that expire in 2021 and 2022, so I am using a standard value of $100 for each hotel free night certificate.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2020 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 fee 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 sorted the credit cards alphabetically and split them up into 3 smaller groups.  Here are some thoughts from the first group:

  • The first 3 AMEX cards were big money makers due to the standard card benefit credits and the temporary pandemic benefits.  It will be hard to beat these numbers in 2021.
  • I never planned on keeping the American Express Platinum Delta SkyMiles Credit Card long term and only signed up for the 70,000 Delta SkyMiles sign up bonus in 2019.
  • In most years, we are easily able to use the $99 Alaska Airlines Companion Fare, but due to the pandemic and very cheap Alaska Airlines flight, we did not use the Companion Fare in 2020.  I am hoping to use the Companion Fare this year.
  • I’m glad Laura (LT) was able to get a $59 retention offer on her Capital One Venture Rewards Credit Card and a $100 referral bonus.
Credit Card Name Credit Card Benefits CCB $ RO $ AF $ P / L
AMEX Business Platinum $400 Dell credit; $198 airline reimbursement; $160 wireless phone credit; $158 shipping credit; $96 AMEX Offers for Dell & AT&T $1,012 $200 $595 $617
AMEX Gold $120 dining credit; $100 airline reimbursement; $60 AMEX Offer for Shop Small $280 $0 $250 $30
AMEX Hilton Honors Aspire $250 airline reimbursement; $250 resort credit (used at restaurants); 1 Free Night Certificate (expires 7/2/22) (worth $100) $600 $0 $450 $150
AMEX Platinum Delta SkyMiles Downgraded to no annual fee American Express Blue Delta SkyMiles Credit Card to avoid paying annual fee $0 $0 $250 $0
Bank of America Alaska Airlines (LT) Alaska Airlines $99 Companion Fare expired in 2020 $0 $0 $75 -$75
Capital One Venture Rewards (LT) $100 referral bonus $100 $59 $59 $100

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My Rock Solid 2021 Airline, Hotel & Credit Card Predictions

Good morning everyone, I hope you got a good laugh out of my post from yesterday: Reviewing my Embarrassingly Wrong 2020 Travel Predictions.  Long story short, my 2020 predictions were terrible (I had 3 correct and 12 wrong predictions).  I am hoping to redeem myself today with my super-solid, 100% guaranteed-to-happen predictions for 2021.  My crystal ball just got back from the crystal ball repair store and here are my airline, hotel, and credit card predictions for 2021.

My 2021 Airline Predictions

  • Alaska Airlines or Southwest Airlines will make their “convert travel funds to airline miles” feature a permanent feature on their site.
  • American Airlines will finally become a Citi ThankYou Points airline transfer partner.
  • 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).

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Reviewing my Embarrassingly Wrong 2020 Travel Predictions

Good morning everyone, I hope you all had a great weekend and a Merry Christmas (if you celebrated the holiday).  Since 2020 is almost over (thank goodness!), let’s review My Wildly Ambitious 2020 Airline, Hotel & Credit Card Predictions.  To be honest, I totally forgot that I wrote this post and I haven’t looked at it since it was published on December 30, 2019.  Here is what I wrote last year for my predictions and my thoughts on each prediction (correct in green and wrong in red):

My 2020 Airline Predictions

  • Alaska, American, Delta, or United will introduce a “Cash and Miles” payment option for award tickets. Clarification: This is not to be confused with Delta’s “Pay with Points” option where you get 1 CPP for each Delta SkyMiles for paid flights. I’m thinking more along the lines of the way British Airways and Avianca do it for award tickets.  No?  I haven’t booked any airline tickets in 9+ months, but I don’t think this prediction came true.
  • Allegiant Airlines, Frontier Airlines, Spirit Airlines, and Sun Country will announce a merger, but I’m not sure who will merge with who.  No, there were no airline mergers in 2020 among these airlines, but I expect to see some mergers of domestic and international airlines next year.

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Redeem Radisson Rewards Points for Gift Cards ($100 Visa GC for 67K Points) + 15% Rebate [Rebate Posted & VGCs Received]

Updated 10:00am PT on 11/2/2020: I provided more information at the bottom of the post regarding when the rebated Radisson Rewards Points posted to my Radisson Rewards account and when the Visa Gift Cards arrived in the mail.


Good morning everyone, I hope you had an exciting Amazon Prime Day(s).  I was reading Doctor of Credit and saw a deal that didn’t get much attention: Radisson Rewards: 25% Back On Awards, 15% Back On Giftcard Purchases.  I have a stash of Radisson Rewards Point since I cancelled 5 nights at various Radisson Blu hotels in Ireland, so I was curious what kind of gift card deals were offered.  In this post, I will show you what kind of gift card deals are available and explain why I redeemed 268,000 Radisson Rewards Points for $400 in Visa Gift Cards.  To get started, sign into your Radisson Rewards account and click this link to enroll in the current promo.  For gift card redemptions, you can get a 15% rebate when you redeem points between now and October 25.  Redemptions start as low as 7,000 points for a $10 gift card.

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How Right (or Wrong) Were My 2018 Travel Predictions?

Good afternoon everyone.  In mid January 2018, I wrote My Unlikely, But Entertaining 2018 Travel Predictions.  I did not look at that post until yesterday, so it was fun to look at the predictions I had made.  I will go through my 2018 predictions and see how well I did.  Since my memory is not that great, please correct me if I am wrong on any of these.  In a few days, I will share my probably equally as unlikely but equally as entertaining 2019 travel predictions, so check back for that post.  Without further ado, here were my 2018 predictions and the results:

Airlines

  • After the Virgin America merger, Alaska Airlines will add new routes to Mexico, Canada, and the Caribbean (Correct! According to Alaska Airlines’ website, they did add several new routes of Mexico City from SFO, LAX, and SAN.  Unfortunately, there were no new routes to Canada or the Caribbean.)
  • Delta Airlines will introduce cash and miles award tickets, then American Airlines and United Airlines will follow suit (Wrong!  Looks like none of the big 3 airlines added “cash + miles” award tickets.)
  • Southwest Airlines will increase their Transfarency by automatically keeping track of travel funds in each account (Wrong!  You still need to manually track your travel funds.)
  • JetBlue will add new routes along the West Coast and maybe to Hawaii (Wrong! JetBlue did add new routes along the East Coast, but nothing new on the West Coast.)
  • Singapore Airlines will allow you to book United Airlines awards online (Correct!  Singapore Airlines added the ability to book award flights on United Airlines in February.)
  • British Airways will bring back the 4,500 Avios award price in the United States (Wrong!  Sadly, the 4,500 British Airways Avios pricing band is still not available in the US.)

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