Tag Archives: US Bank

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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How Much Did I Pay in Credit Card Annual Fees in 2021?

Good morning everyone, I hope your week is going well.  Last year, I wrote How Much Did I Pay in Credit Card Annual Fees in 2020?  I wanted to create a similar post for 2021, so I listed all of our credit cards that have annual fees and sorted them by when the annual fee posted.  Whenever I see an annual fee post, I always call the credit card company to see if there are any retention offers available.  At the bottom of this post, I will also share what retention offers I received this year, which credit cards I closed, and which credit cards I converted.  As a starting point, if I kept every single credit card with an annual fee this year, I would have 26 credit cards and paid a total of $4,468 in annual fees.  Here are our credit cards and annual fees (LT = Laura’s cards):

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How Much Money Did I Make from Bank Account Bonuses in 2021?

Good afternoon everyone, I hope you had a great weekend.  Doctor of Credit has a Best Bank Account Bonuses page that he keeps up to date with the best offers each month.  In that master post, he links to individual bank account bonuses with helpful information regarding the bonus details, how to avoid monthly fees, when to close the account, how often you can open a new account, and much more.  For the last 7 years, I have been opening new checking accounts, savings accounts, brokerage accounts, and cash management accounts for the new member bonuses.  Tt the end of each year, I share my results on the blog.  Over the last 7 years, I have made $15,850 in bank account bonuses.  You will receive 1099-INT tax forms every year, so you have to pay taxes on the bank account bonuses, but sometimes you can fund the opening deposit with a credit card and earn miles, points, or cash back.  If you are lucky, you can meet a minimum spending requirement by funding a new checking account or reach a high spending target to earn more rewards.  Here are my results from the last 7 years with links to corresponding blog post summaries:

Drum roll please… Here are the 13 new accounts I opened in 2021:

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Real-Time Rewards Not Working on my US Bank Business Triple Cash Rewards Credit Card

Good afternoon everyone, I hope you had a great weekend.  This post will probably not help most people, but if you have the US Bank Business Triple Cash Rewards Credit Card, like I do, you might appreciate this post.  Long story short, I earned the $500 Cash Rewards sign up bonus and wanted to redeem the sign up bonus.  I am a big fan of Real-Time Rewards and have used it many times with my US Bank Altitude Reserve Credit Card.  In the US Bank Rewards Portal, I enrolled in the Real-Time Rewards program, selected the $25 minimum purchase amount and checked the box to enroll all categories.

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