Monthly Archives: June 2023

Points and miles are not always about value

Those of us who play this game of points and miles love to redeem those currencies for flights or hotels where we can experience luxury in a style that we’d never pay cash for. But one thing that’s great about having points and miles on hand is that they’re available when you need them which can save you from having to unexpectedly shell out cash.

I live in Memphis, Tennessee and on this past Sunday evening we had a series of straight-line winds blow through town. There were over 120,000 people in our county without power shortly thereafter as trees fell on power lines and even utility poles were knocked over. And at least a couple of folks whose private planes were not properly tied down found those planes upside down!

I was one of the unlucky ones without power. Temperatures had reached the mid-90s that day but when my power went out just after 7 PM the storm had dropped them to about 77F. But, as is typical in this area in the summer, the humidity was about 83%. I propped open the back door, hoping the lights would come on soon but at about 8 PM my dog, who was napping, started panting and I knew that we would both be miserable if we had to spend the night without air conditioning.

I have several free night certificates from the credit cards I hold and would have liked to have used some of them that would expire sooner but the closest hotels either didn’t accept pets at all or only pets that are smaller than my dog. So I was able to use my Hilton free night certificate at the Homewood Suites closest to me. This is the same hotel where I lived for four months in early 2020 while my house was being repaired from a fire. I knew the rooms were larger than typical hotel rooms and we’d have a sofa as well as the bed so it was a great fit. The room was quite warm when we arrived but still cooler than my house and we spent the night in comfort.

Just for holding the American Express Hilton Aspire Card I have Hilton Diamond status. And while late checkout is a benefit, it’s not guaranteed. I asked for 4 PM checkout and was told there was no way I could get that but I could get 1 PM checkout. By noon my power was not back on so I went ahead and used points for that night. And naturally, my power was turned back on shortly after 1 PM. But I was out 30K points instead of over $200. That’s a lot easier to swallow!  It wasn’t a sexy, luxurious redemption but it was so nice to be able not to have to think about whether or not I could afford a hotel.

There are some who think that chasing points and miles is a loser’s game. And you can certainly get yourself into trouble if you’re not careful. But at times like this it’s wonderful to have those points in your back pocket.

Categories: Advice, Award Travel | Tags: | Leave a comment

Activate 2023 3rd Quarter Bonus Categories

It’s the 15th of the 3rd month of the quarter so it’s time to activate bonus categories for card that have quarterly bonuses for next quarter.  All of these cards offer bonus points or cash back on up to $1500 in purchases during the quarter.

US Bank Cash+

If you’re not already getting 5x Ultimate Rewards points by using a Chase Ink card (and even if you are!) you may want to switch the card you’re using for payment for TV/Internet/Streaming Services and Cell Phones.  You must register your card before June 15th to get the bonus cash-back in the categories you select.  As a reminder, you choose two 5% categories and one 2% category.  To register, click on the link in the email you received from US Bank or visit this link.  I’m choosing Home Utilities again as 5x categories and will choose Gyms/Fitness Centers as my second 5x category.   I’ll continue with Grocery Stores for 2x.  You have until June 25, 2023 to make your selections.

US Bank CashPlus categories for Q2 2023

 

Discover Card

Unlike years past, Discover is not revealing the entire year’s calendar.  For Q3 the categories are:

To activate the bonus, simply log into your Discover account and click on the Activate Now button or look for the email where you can register in one click.  Since I’m still working from home this is not an easy category to max out unless you find a gas station that sells high-dollar Visa gift cards or can make use of the digital wallet.

Chase Freedom and Freedom Flex

Chase Freedom’s Q3 categories are Gas Stations, EV Charging stations and Select Live Entertainment.  Also, don’t forget to check your Chase co-branded offers each quarter at chase.com/mybonus.

I was curious what kind of “live entertainment” was included and the category is much broader than I thought:

So that may be very helpful if you’re taking the family to a theme park or purchasing tickets for a sporting event.  Of course there are exclusions as well.  From the Chase site:

Merchants that sell tickets for in-person entertainment are not included in this category; for example, movie theaters, bowling alleys, horse racing tracks, casinos, and dance hall/clubs. Purchasing from a hotel/concierge is not included nor excursions or purchases as part of a travel package.

 

In the end

Always register for the bonus categories even if you don’t think you’re going to use them.  You’ll never know when they might come in handy!

Categories: Cash Plus, Chase, Credit Cards, Discover, Freedom, US Bank | Tags: , , , | Leave a comment

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