Tag Archives: Wyndham Rewards

a woman with blonde hair and a green shirt

Cutting $2,000 in Credit Card Annual Fees: Our Simplified Wallet Strategy for 2025

Good morning everyone!  For the past few years, I’ve shared a year-end recap of the total credit card annual fees I paid and whether the benefits were worth it. In my most recent post from December 2024 (I Paid $5,341 in Credit Card Annual Fees in 2024 – Was it Worth it?), I calculated a net profit of $15,914, factoring in $5,341 in annual fees and $360 in retention offers.

I didn’t mind jumping through many hoops to maximize those card benefits last year, but with a baby girl arriving in early August, my wife and I recently decided it’s time to simplify our lives.  That means cutting back on complexity and costs by reducing the total annual fees we’ll pay in 2025. In this post, I’ll break down our credit cards into four categories: cards we have already closed, cards we plan to close later this year, cards we will downgrade, and cards with annual fees we will keep. Let’s get started..

Cards We Have Already Closed

Credit Card Name Annual Fee Notes
Laura’s AMEX Gold $325 Closed card in February
Barclays JetBlue Plus $99 Closed card in March
Bank of America Air France / KLM $89 Closed card in March

We didn’t receive any retention offers on these cards. While the AMEX Gold Card includes a variety of coupons / credits, it simply wasn’t worth the effort to maximize them this year. Continue reading

a close-up of a sign

My 2025 Travel Predictions Midyear Review: Hits, Misses & Lots of Wild Guesses

Good afternoon everyone, I hope your weekend is going well. As we approach the midpoint of the year, I thought it would be a good time to check in on My Overly Ambitious 2025 Airline, Hotel & Credit Card PredictionsCorrect predictions are in green, incorrect predictions are in red, and half correct predictions are in orange.  Without further ado, here is my midyear review for my 2025 predictions:

Airline Predictions:

  • Alaska Airlines or Southwest Airlines will bring back their “convert travel funds to airline miles” feature.
    • No, these “convert travel funds to airline miles” have not returned yet in 2025.
  • Alaska Airlines will let you use the Companion Fare to book Hawaiian Airlines flights.
    • No, but I am still optimistic that we will see this happen before the end of the year.
  • American Airlines will return as a Citi ThankYou Points transfer partner.
    • No, not yet, but I wouldn’t be surprised to see this happen in the next few months.
  • British Airways will lower their partner redemption prices for American Airlines and Alaska Airlines.
    • No, the redemption prices have not changed for American Airlines or Alaska Airlines.
  • Delta will increase the annual fee on their credit cards and increase the Delta SkyMiles discount to 20%-25%.
    • No, but the rumored super-duper-ultra-premium AMEX Delta credit card could have this benefit (link).
  • JetBlue will allow you to redeem points on a new partner airline (besides Etihad Airways, Hawaiian Airlines and Qatar Airways).
    • Yes! With the United Airlines and JetBlue “Blue Sky” partnership, you can redeem JetBlue points on United Airlines and vice versa (link).
  • United Airlines will bring back their “family pooling” feature.
    • Yes! You can pool United Airlines miles, but they can only be used for United and United Express flights, not Star Alliance partners (link).

Continue reading

a close-up of a logo

Predicting Citi ThankYou Point Transfer Bonuses to Max Out Citi Rewards+ 10% Rebate

Good afternoon everyone.  A few weeks ago, I received a shocking and unexpected email from Citi regarding my beloved Citi Rewards+ Credit Card.  On July 20, 2025, the Citi Rewards+ Credit Card will be converted to the new Citi Strata Credit Card.  With that change, this credit card is about to lose its two best features:

  • Rounding up to the nearest 10 points on every purchase
  • Receiving 10% points back for the first 100,000 Citi ThankYou Points (TYPs) redeemed per calendar year.

With those losses looming, I’ve been strategizing how to max out the 10% rebate before the July 20 deadline.  This quest sent me down a rabbit hole figuring out how many rebated points I already received in 2025 and trying to predict which TYP transfer bonuses might come around in the next two months.  Follow me down the rabbit hole…

a screenshot of a credit card

Continue reading

a close up of stamps

My 2024 Travel Recap: Elite Statuses, Flights & Hotel Nights

Good afternoon everyone, I hope your week is going well.  I thought it would be cool to share the hotel and airline elite statuses I earned (and matched to) in 2024 along with the number of flights I flew and the number of nights I stayed in hotels.  Fun fact: I might be the only travel blogger without Hyatt Globalist Elite Status (I actually don’t have any Hyatt status).  Read on to learn more interesting facts about my 2024 travel recap.

2024 Flights & Airline Elite Statuses

  • Alaska Airlines is the only airline status that I earned (and care about).  I took 14 flights and earned 13,658 elite miles.  I also earned 8,000 elite miles from spending $20,000 on my Bank of America Alaska Airlines Credit Card.  I am looking forward to earning Alaska Airlines MVP Elite Status in 2025 with several Companion Fare flights and awards booked with Alaska Airlines miles.
  • SFO is my nearest international airport, but I only flew United Airlines 3x last year.
  • Before the end of 2024, I status matched to Hawaiian Airlines Pualani Gold (allows better seat assignments on Hawaiian Airlines) and Southwest Airlines A List, but I don’t have any Southwest Airlines flights planned in 2025 since all my favorite routes were moved from SFO to OAK.
Loyalty Program Status Status from Credit Card Notes Flights
Alaska Airlines MVP 13,658 Elite Miles from flying + 8,000 Elite Miles from credit card spend 14
Delta Airlines 3 trips: SFO-ATL-DAB, DAB-ATL-SFO, and MIA-JFK 5
United Airlines 3 trips: SFO-SNA, SNA-SFO, and SFO-DEN 3
Air France / KLM 1 Business Class Award: ARN-AMS-LAX 2
Avelo Airlines 2 trips: STS-BOI and BOI-STS 2
Finnair 2 trips: DUB-HEL and HEL-ARN 2
Aer Lingus 1 Business Class Award: DEN-DUB 1
JetBlue 1 trip: SFO-FLL 1
Hawaiian Airlines Pualani Gold Status matched from Alaska Airlines MVP Elite Status (Dec 2024) 0
Southwest Airlines A List Status matched from Alaska Airlines MVP Elite Status (Dec 2024) 0
Total Flights:  30

Continue reading

a close up of stamps

2024’s Must-Reads: Have You Read My Most Popular Posts Yet?

Good afternoon everyone, happy New Year’s Eve!  As we wrap up 2024, it’s time to take a look at my top 10 most popular blog posts of the year. Barring any crazy last minute spikes in blog readership today, these are the top 10 blog posts written in 2024 and top 10 blog posts written in previous years. If you are curious, here were the most popular posts from 20162017201820192020, 2021, 2022, and 2023.

2024’s Most Popular Blog Posts (Written in 2024)

  • PSA: Bank of America Won’t Automatically Send a Replacement Debit Card when your Card Expires (2/20/24) – I realized my Bank of America debit card had expired in July 2022, and I never received a replacement debit card until I requested one in February 2024, despite having it stored in ApplePay. My frustration grew from the lack of notifications and outdated PIN change process. Judging by the number of pageviews this post received, I guess I wasn’t the only one with this problem.
  • My 2023 Peloton Bike Rental Year End Review (Total Cost of Ownership & Workout Class Stats) (1/21/24) – In 2023, I rented a Peloton bike instead of buying one, opting for the flexibility of a monthly rental with the option to pause or return it. Although I didn’t meet my fitness goals, I appreciated the variety of classes, the ability to create multiple profiles, and the affordability of the rental option, especially with my employer’s fitness reimbursement.  I wasn’t planning on writing a 2024 Peloton year end review, but since this post was so popular, I will work on a 2024 update in the coming days.
  • Attention Coinstar Users: Not All Kiosks Offer Amazon eGift Cards (1/19/24) – During a recent trip to SoCal, I used a Coinstar kiosk to convert a bag of change into an eGC, only to find that Amazon was missing as a redemption option. After researching, I discovered that not all kiosks offer Amazon eGCs, with availability varying by location and grocery store chain.  I wish all Coinstar kiosks had the same redemption offers so this issue would be avoided.

Continue reading