Tag Archives: US Bank

What Should I Do with my Stash of 200K Radisson Hotels Americas Points?

Updated at 8:45am PT on 5/4/22: Fixed a few cents per point typos and added info about the speed of the Global Points Transfer.


Good afternoon everyone.  A few weeks ago, I wrote Reminiscing About and my Plan for my US Bank Radisson Rewards Premier & Business Credit Cards.  In that post, I covered the history of events from Club Carlton to Radisson Rewards to Radisson Hotels Americas and all the major changes in between.  I also covered the upcoming credit card changes and ultimately decided to keep my current credit cards as is and let the product changes occur (to get the prorated annual fee refunds).  But the next big question to answer is: What should I do with my stash of 200K Radisson Hotels Americas Points?  I don’t have an exact answer, but I will share some of the best options that are currently available.

First off, I have both a personal and business Radisson Hotels Americas account with a combined point balance of around 200K points.  Remember, you can easily move points between accounts, just call the customer service number (888-288-8889).

The easiest option would be to redeem your points for an award stay within the Americas.  Here is the award chart for all hotels in the Americas.  Most of the best properties in the Americas are in the 60K – 75K range per night, so I should be able to get about 3 nights in a nice Radisson Blu property.  If you are not interested in an award stay in the Americas, keep reading to find out what other options are available.

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Reminiscing About and my Plan for my US Bank Radisson Rewards Premier & Business Credit Cards

Good morning everyone, I hope your Easter, Passover, and Ramadan weekend is going well.  Long ago, I got the US Bank Club Carlson Premier Rewards Credit Card in 2013.  I then got the Club Carlson Business Rewards Credit Card in 2014 and I also had another no annual fee Club Carlson credit card for a while, but I closed that years ago (read 4 Flavors of Club Carlson Credit Cards (High, Medium, Low & Biz).  I used to be a huge fan of Club Carlson when the credit cards debuted since the cards came with an 85,000 point sign up bonus, a 40,000 point anniversary bonus, and the awesome BOGO night deal.  Sadly, the BOGO night deal ended in June 2015, which I still miss.

Thankfully, I did get the chance to stay at several great Radisson Blu properties around Europe over the years: Amsterdam, Rome, London Edwardian Mercer Street, Nice, France, Royal Dublin, and Milatos, Crete.  In 2018, Club Carlson rebranded as Radisson Rewards and the above cards changed to the US Bank Radisson Rewards Premier Credit Card and US Bank Radisson Rewards Business Credit Card, respectively.  Fast forward to now when US Bank announced that beginning in June 2022, Radisson Rewards credit cards will no longer exist.  My US Bank Radisson Rewards Premier Credit Card will become the US Bank Altitude Go Credit Card and my US Bank Radisson Rewards Business Credit Card will become the US Bank Triple Cash Rewards Business Credit Card.

I called US Bank yesterday and asked a lot of good questions about the conversion process, annual fee refunds, and product change options.  I will share what I found out, but first, here is the letter I received about the US Bank Radisson Rewards Premier converting to the US Bank Altitude Go.

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Receive 12 Free Gogo WiFi Passes with US Bank Altitude Reserve Credit Card (Activate by March 31, 2022)

Good afternoon everyone.  I was just reviewing my recent credit card statement from my US Bank Altitude Reserve Credit Card when I spotted this update in the Important Messages section.  Firstly, “Google Inflight Wi-Fi benefit” is actually a typo, since it is Gogo, not Google.  Secondly, the benefit of 12 free Gogo wifi passes every year is ending on April 1, 2022, so the last day to activate this benefit is March 31, 2022.  I will walk you through the steps to activate this benefit and receive your 12 free Gogo wifi passes.

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My Wild and Crazy 2022 Airline, Hotel & Credit Card Predictions

Good morning everyone, happy New Year’s Eve Eve (emphasis on the extra Eve).  Yesterday, I wrote about my dismal prediction performance (I didn’t predict I would do so poorly – another wrong prediction of mine) in my post How Right (or Wrong) were my 2021 Airline, Hotel & Credit Card Predictions?  My new crystal ball just arrived from Amazon, so I am going to put it to the ultimate test and I’ll provide my 2022 airline, hotel, and credit card predictions.  I’m guaranteed to get between 0% and 100% correct, but only time will tell…

My 2022 Airline Predictions

  • Alaska Airlines or Southwest Airlines will bring back their “convert travel funds to airline miles” feature.
  • American Airlines will return as a Citi ThankYou Points airline transfer partner.
  • Avianca will give Turkish Airlines a run for their money for domestic Star Alliance awards.
  • British Airways will let you use Avios to pay the taxes, fees, and fuel surcharge portion of award tickets.
  • Delta Airlines, Southwest Airlines, or United Airlines will introduce a “Miles and Cash” payment option for award tickets (pay 10,000 miles or pay 8,000 miles + $40).
  • JetBlue will partner with another US airline for award bookings.
  • United Airlines will be a transfer partner with Brex, Citi, or American Express.

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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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