Tag Archives: United Airlines

Why I Redeemed 1/3 of my Chase Ultimate Rewards Points with the Pay Yourself Back Feature

Good morning everyone, I hope your weekend is going well.  I recently had a change of heart and decided to redeem 1/3 of my Chase Ultimate Rewards Points with the Pay Yourself Back feature.  Chase introduced the Pay Yourself Back feature on May 31 and I wrote How to Redeem Chase Ultimate Rewards Points via Pay Yourself Back (1.5 Cents Per Point for Restaurants, Grocery Stores & Home Improvement).  Initially, I was not very excited about the new feature, since I convinced myself that I could use my Chase Ultimate Rewards Points in other ways and get more than 1.5 cents per point.

After realizing that I had no concrete travel plans remaining in 2020 (I recently cancelled trips to Boston & New York along with a big trip to Africa), I figured that my stash of Chase Ultimate Rewards Points would probably not be used much this year.  Before redeeming 1/3 of my Chase Ultimate Rewards Points, I looked at Chase’s travel partners to see if there were any major reasons to keep my Chase Ultimate Rewards Points.  Chase has 13 airline and hotel partners, but only has 4 exclusive partners (Southwest Airlines, United Airlines, IHG, and Hyatt), the remaining 9 travel partners are accessible with American Express Membership Rewards Points, Citi ThankYou Points, and Capital One Miles.

My wife and I have ~58,000 Southwest Airlines points and ~$150 in travel credit, so I would not need to transfer Chase Ultimate Rewards Points to Southwest Airlines.  I am not a huge fan of United Airlines and can usually book Star Alliance flights with other travel programs, plus I have ~$178 travel credit from a cancelled United flight.  IHG points are worth ~0.5 cents per point and I have ~222,000 IHG points in my account.  Last but not least, Hyatt is the only travel partner that stands out from the list.  I decided to save at least 60,000 Chase Ultimate Rewards Points just in case we stay at a Hyatt later this year).

I figured that normal spending on our Chase Ink Cash Credit Card, Chase Sapphire Reserve Credit Card, and Chase Freedom Credit Card this year would replenish our Chase Ultimate Rewards Points balance by the end of 2020.

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My Travel Philosophy for Redeeming Miles vs. Paying Cash for Flights (w/ Account Balances as of March 2020)

Good morning everyone, happy Friday!  I just finished listening to the Miles to Memories podcast (latest episode) and enjoyed listening to them talk about Disney when they redeem miles vs. pay cash for flights.  I don’t have a hard and fast rule that I live by, so I thought it would be fun to share my travel philosophy of when I redeem miles vs. pay cash for flights.  I specifically mention flights because I plan to write a similar article about hotels and didn’t want to make this article too long.  Lastly, when I use the word cash, that could mean paying for the flight with a credit card, or paying with an airline gift card, or using credit card rewards to pay for the flight – basically anything other than booking an award ticket with airline miles.

I also think it is important to share how many credit card reward points I have, since my thinking would be much different if I had 1,000 Chase Ultimate Reward Points vs. 1 million Chase Ultimate Reward Points.  With that said, here are my transferable points balances, as of March 2020, from smallest to largest:

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8 Buy Miles / Points Promos Ending Soon: Hilton (100%), American (55%), Avianca (125%), United (85%), IHG (75%), Radisson (25%), Hyatt (25%) & Etihad (20%)

Good afternoon everyone.  I was working on my Buy Miles & Points Page and found a few offers ending soon.  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 8 offers that end this month.  Up first, Hilton is offering a 100% bonus, when you purchase at least 10,000 Hilton Honors Points.  This offer expires today – February 19.

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Why I Love My Chase Sapphire Reserve

If you’ve been in the market for a new credit card, chances are you’ve stumbled across some information about the famed Chase Sapphire Reserve (CSR). In fact, this credit card has lately been catching a little more attention than usual due to a few changes in its benefit structure, but we’ll get to that a little later. 

I manage a collection of 30+ credit cards and they’re all beneficial to me in some way (otherwise there’s no point in keeping them) but I never leave home without my trusty CSR in tow. I’ve always liked the overall Chase awards structure, but that combined with the CSR earning potential and slew of benefits really bumps this card up to the next level. Here are some of the reasons why I love my Chase Sapphire Reserve.

The Earning Potential

The CSR functions as a basic 3X card for the categories that CSR is built for: travel and dining. Every other purchase will earn 1X points. Are there other credit cards that are better suited for earning points? Definitely. However, my largest purchases generally fall into the travel and dining categories anyway, and Chase is pretty lenient with their definitions of “travel” and “dining” purchases. 

For example, travel purchases include anything that could possibly fall under the umbrella of travel. This includes several different modes of transportation and accommodations including hotels, hostels, homestays, and Airbnbs.  Continue reading

4 Buy Miles / Points Promos Ending Soon: JetBlue (40%), Southwest (30%), British Airways (30%) & United (75%)

Good afternoon everyone.  I was working on my Buy Miles & Points Page and found a few offers ending soon.  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 4 offers that end this month.  Up first, JetBlue is offering up to a 40% discount, depending on the number of JetBlue TrueBlue Points you purchase.  This offer expires tomorrow – January 23.

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