Tag Archives: Travel Credit Cards

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A Tale of Two Citi Strata Elite Credit Card Applications

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Good afternoon everyone, I hope your week is going well. First, a quick nod to the bookworms and literary buffs who caught the reference to A Tale of Two Cities by Charles Dickens.  Now let’s fast forward to this century.  In mid-December, Laura and I both applied for the Citi Strata Elite Credit Card because we were hoping to triple dip the annual benefits ($300 Hotel Credit and $200 Splurge Credit) in December 2025, January 2026, and again in January 2027 before the $595 annual fee was due. Unfortunately, “it was the best of times, it was the worst of times” in terms of instant approvals.

The Results

My application: instant denial.  Laura’s application: pending.

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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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How Fast Does the Citi Strata Elite $200 Splurge Credit Post for Best Buy Purchases?

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Good afternoon everyone, I hope your week is going well.  Last month, both Laura and I applied for the Citi Strata Elite Credit Card because we had a property tax payment due by December 31 (and we were hoping to triple-dip the $300 Annual Hotel Benefit and $200 Splurge Credit). Long story short (and a situation deserving of its own blog post), Citi declined my application but approved Laura’s application.

If you already have the Citi Strata Elite, the $200 Splurge Credit should be very easy to use. I wanted to share our experience and show how quickly you can expect the credit to post.  Laura selected Best Buy as her “Selected Brand” and spent $200 on Best Buy’s website (they offer a wide variety of gift cards available). The purchase posted on December 29 and the $200 statement credit posted 2 days later on December 31.

Since the Splurge Credit resets each calendar year, she was able to use it again in 2026. Laura kept Best Buy as her “Selected Brand” and made another $200 purchase on January 3. Once again, the credit posted quickly, just 2 days later on January 5. We were both pleasantly surprised that the credits posted automatically and without any need to contact Citi.

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By the Numbers: My 10 Most Popular Blog Posts of 2025 (Plus 10 All-Time Favorites)

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Good afternoon everyone, and I hope your new year is off to a great start! With 2025 officially in the books, it’s time to look back at the blog posts you found most helpful, interesting, and worth clicking on throughout the year. Below you’ll find the 10 most popular posts written in 2025, along with the 10 most popular posts written in previous years that continued to draw strong traffic.  If you’re curious, you can also check out the most popular posts from 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024.

2025’s Most Popular Blog Posts (Written During 2025)

  • No Upcoming Hilton Stay? Turn Your Credit Into a $50 Snack Shopping Spree (10/8/25) – I explain how to use your Hilton Credit even if I don’t have an upcoming hotel stay planned. Instead of letting the credit go to waste, I show how I used it for a $50 snack and convenience shopping spree.  I did this at the end of Q3, at the end of Q4, and will probably do this again sometime in Q1 2026.
  • Should I Transfer All My Amex Points to Hawaiian Airlines? (5/19/25) – I analyzed whether it made sense to transfer all of my American Express Membership Rewards points to Hawaiian Airlines. I weighed the pros, cons, and risks before making what could be a one-way, irreversible decision.  This post is no longer relevant since Hawaiian Airlines is no longer an AMEX transfer partner.

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My Overly Ambitious (and Probably Wrong) 2026 Airline, Hotel & Credit Card Predictions

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Good afternoon everyone and let me be the first (or maybe the tenth) to wish you a very happy New Year! Fresh off the heels of reviewing my 2025 travel predictions (including 7 wins and plenty of misses), it’s time to look ahead. From airlines and hotels to credit cards and loyalty programs, here are my overly ambitious (and occasionally wishful) predictions for what 2026 has in store for the miles and points community.

Airline Predictions:

  • Alaska Airlines will change the Global 25K Companion Award into a Global 25K Award Discount (valid for a single passenger).
  • Alaska Airlines, American Airlines, or Delta Airlines will launch a debit card.
  • Southwest Airlines will not award Rapid Rewards Points on Basic Fares.

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