Showing posts sorted by date for query chase offers. Sort by relevance Show all posts
Showing posts sorted by date for query chase offers. Sort by relevance Show all posts

Tuesday, July 21, 2026

100,000-Point Bonus Just Posted — Here's What That's Actually Worth 🎉


100,000-Point Bonus Just Posted — Here's What That's Actually Worth
🎉

Look what showed up in my Chase account today: a 100,000-point bonus from the Chase Sapphire Preferred! This offer won't be around much longer, so if you've been thinking about applying, now's the time.



Here's the deal: you'll earn
100,000 points for a $95 annual fee (offset by a $100 hotel credit), after spending $5,000 within the first few months. It's one of the strongest offers out there right now. You can read more here about why I'm such a fan of this card and Chase Ultimate Rewards points in general.

So, what can you actually do with 100,000 points? A lot, it turns out. 👇



  • Transfer to Flying Blue (KLM's loyalty program) and fly Los Angeles to Amsterdam nonstop — up to four times over
  • Transfer to one of a dozen+ airline and hotel partners, including Hyatt
  • Book straight through the Chase Travel Portal — think 4 nights in Hawaii covered by points alone 🌺


That's the beauty of Chase Ultimate Rewards points — they flex to fit however you want to travel. If you've been on the fence about this card, or aren't sure if you're eligible, let's talk it through.

Want a strategy session like this one? I offer 30-minute credit card audits for just $100. Book your session here.

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Thursday, July 16, 2026

A 30-Minute Credit Card Audit That Changed Everything

A 30-Minute Credit Card Audit That Changed Everything

A friend sat down with me last week feeling overwhelmed — too many credit cards, no clear strategy, and a nagging sense that he was leaving points on the table. Thirty minutes later, we had a streamlined plan. Here's exactly what we did, so you can run the same audit on your own wallet.

The Starting Lineup 💳

My friend's current cards:

  1. Discover
  2. Marriott Bonvoy
  3. United Airlines
  4. American Express Gold
  5. Citi Costco Visa

How He Was Actually Using Them

  • His United card was doing all the heavy lifting as his everyday card — which made sense on the surface since he frequently flies United out of his home airport and gets a free checked bag and lounge access. But his travel patterns told a different story: every other year, the family heads to Mexico or another destination entirely, which means United miles aren't always the most useful currency.
  • His Marriott Bonvoy card comes with a free annual night certificate (worth up to 25,000 points) for just $95 a year — which sounds great. The problem? The certificate kept expiring unused. That's $95 out the door for nothing.
  • His Citi Costco card generates around $1,700 in annual cash back 💰, which he loves — and honestly, that's hard to argue with. I did flag that the Amex Gold might outperform it on certain spending categories, but cash back in hand is a real thing and I respect it.
  • His Amex Gold card? Sitting in a drawer, completely unused. That's where we saw the biggest opportunity.

The New Strategy 🎯

Switch the primary card to the Amex Gold. This is the biggest move. The Amex Gold earns 4x points at restaurants and U.S. supermarkets — two of the highest everyday spending categories for most people. More importantly, those are Amex Membership Rewards points: flexible points that transfer to dozens of airlines like Delta, British Airways, Air France, and more. Though United is not a transfer partner, he could book United through the American Express Travel portal. The earning potential on the Amex Gold far outpaces a co-branded United card for non-flight spending.

Cancel the Marriott Bonvoy card. If the free night certificate expires most years and Marriott points have continued to lose value, this card is costing $95 annually for essentially nothing. Time to let it go ✂️

Keep the Discover card. This is his oldest account, and the age of that credit line matters for his credit score. It stays.


Apply for the Chase Sapphire Preferred — now. 🌟 The current 100,000-point welcome bonus for a $95 annual fee (offset by a $100 hotel credit) is one of the strongest offers on the market right now. Chase Ultimate Rewards points are also flexible, transfer to United Airlines directly, and open up a whole world of redemption options beyond just one airline. This card becomes a natural complement to the Amex Gold.

The Result

With two simple changes — activating the Amex Gold as the everyday card and adding the Chase Sapphire Preferred — my friend goes from a single-airline points collector to someone building flexible points across two of the most powerful currencies in travel. Same spending, dramatically better earning power.


💬 Want a strategy session like this one? I offer 30-minute credit card audits for just $100. Book your session here.

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.


Tuesday, July 14, 2026

I Already Have the Chase Sapphire Reserve — So Why Did I Just Apply for the Preferred


A 100,000-point Chase Ultimate Rewards bonus is hard to walk away from 👀 — so I didn't. Even though I already carry the Chase Sapphire Reserve, I went ahead and applied for the Chase Sapphire Preferred. And yes, my clients immediately started asking why on earth I'd want both. Here's the full breakdown.


The Preferred Earns in Ways the Reserve Doesn't 💳

The Chase Sapphire Preferred carries a $95 annual fee, which is effectively offset by a $100 hotel credit — so the card is essentially paying for itself before you even swipe it once.

But where it really shines is the earning structure. The Preferred earns 3x points on vacation home rentals — Airbnb, VRBO, the works. I have several Airbnb stays already on the books, so this one category alone is going to add up fast 💰 It also earns 3x on dining and gas (including EV charging), and 5x points when booking through the Chase Travel Portal.


Where the Reserve Still Wins 🏆

For flights and hotels booked directly, the Reserve pulls ahead with 4x points — and if you book through the Chase Travel Portal, it jumps to an impressive 8x points. The Reserve also offers better redemption rates for World of Hyatt transfers, a points boost on redemptions, plus lounge access and a stack of travel, hotel, and dining credits.

The catch? A $795 annual fee and a fair amount of mental energy to track and use all those credits each year. You can read here about how I used the credits for a whirlwind weekend in Las Vegas. 

Now that I have the Preferred in my wallet, I'm genuinely reconsidering whether I'll renew the Reserve when the annual fee hits again.

The Good News: You Can Combine Them 🔄

One of the best features of holding both cards is that you can transfer points from the Preferred directly to the Reserve — which means you earn on the Preferred's strong bonus categories and redeem at the Reserve's better rates. Best of both worlds, at least for now.

Oh, and a few more perks worth mentioning: the Preferred comes with one free year of Apple TV+ , $120 Global Entry credit, a complimentary Dashpass membership and a $10 monthly credit for groceries and great travel protections. 

Bottom Line


If you already have the Reserve and you're eligible for the Preferred's 100,000-point welcome bonus — apply. The math makes sense and the card earns its keep on its own. If you have the Preferred and are eyeing the Reserve, take your time. The higher annual fee requires a real commitment to maximizing the credits to justify the cost.

If this all gives you a headache, and you want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.


  

Thursday, July 2, 2026

💳 How to Triple Stack Points on Every Online Purchase

 

💳 How to Triple Stack Points on Every Online Purchase

Every time you shop online, there's a question worth asking: how many points or miles can I earn here?

Earning some points? Nice. Earning double points by layering two sources? Even better. Earning triple points across three sources at once? That's the triple stack — and it's one of the most satisfying moves in the points game.

Here's how it actually works, with a real purchase to show you exactly what's possible.



🌸 The Triple Stack in Action: A Flower Delivery Example

The goal: Buy birthday flowers for a friend ($66 total)

Flower delivery services are basically interchangeable, so the smarter move is choosing the one that earns you the most — not just picking the first result that pops up.





🔍 Step 1: Check for Credit Card Bonus Portals

Chase has an ongoing partnership with the digital payment platform Paze that earns 10x Ultimate Rewards points plus a $10 statement credit on purchases. The first step is checking the Paze merchant directory under flowers and gifts — and sure enough, 1-800-Flowers is listed. Read here about how to link your credit card to Paze.

✅ That locks in Layer 1.



🖥️ Step 2: Check Shopping Portals

Head to CashBackMonitor.com to see every shopping portal where 1-800-Flowers is listed. This is where you decide if a hotel or airline portal makes more sense than a cashback option.

A few things to consider at this step:

  • Is any airline or hotel portal running a bonus promotion right now?
  • Do you need to top off a specific loyalty account before a trip?
  • Are any of your points or miles close to expiring?

In this case, the American Airlines AAdvantage shopping portal made the most sense.

✅ That locks in Layer 2.

💰 Step 3: Pay with the Right Card

Check out using Paze with your linked Chase Freedom Flex or Sapphire credit card.

✅ That locks in Layer 3.

🏆 The Triple Stack Breakdown

Here's what a $66 flower purchase earned:

SourceReward
American Airlines shopping portal350 AAdvantage miles
Chase Freedom base earn66 Ultimate Rewards points
Paze 10x bonus660 Ultimate Rewards points
Paze statement credit$10 back

Total: 350 AA miles + 726 Chase points + $10 statement credit — on a $66 purchase you were going to make anyway.

🗺️ The Triple Stack Formula

Whenever you're about to buy something online, run through this quick checklist:

  1. Check your credit card bonus offer (Chase Paze, Amex Offers, 5x bonus categories, Rakuten.com etc.)
  2. Check shopping portals on CashBackMonitor.com to find the best rate
  3. Choose the portal that fills a loyalty gap (expiring points, upcoming trip, bonus promo)
  4. Pay with the card that earns the most in that category

The key is always checking before you check out — once the purchase is done, those layers are gone. 🎯

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.



Friday, June 12, 2026

Wow! Another Huge 100,000 Bonus Offer From Chase


Wow! The huge bonus offers just keep coming! Chase announced an amazing 100,000 bonus offer on its Chase Ink Business Preferred credit card. 

What are 100,000 CUR points worth? If you use them in the portal, they are worth $1,000. But we show people how to use those points to increase their value up to more than $2,000. You can read here how I used CUR points to take my family to Europe. 


Here's the offer 

  • 100,000 Chase Ultimate Reward points
  • $8,000 minimum spend in three months 
  • $95 annual fee 
  • 3x points on select business purchases such as travel, shipping, internet, cable, phone and advertising

Watch the fine print here, if you have EVER had this credit card before you may not be eligible for the bonus. 

This is also a business credit card, but many side hustles qualify as businesses. You can read here about how to determine if your business will qualify. 

If you decide to apply for the Ink Preferred credit card, please use my referral link. 

Want more personal help using points and miles for almost FREE travel? We have three different options to choose from:

I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.




Friday, May 15, 2026

I Booked a Last-Minute Caribbean Solo Cruise — Here's What Actually Happened


I Booked a Last-Minute Caribbean Cruise From New Orleans — Here's What Actually Happened

I was already heading to New Orleans for a conference when it hit me: I was closer to the Caribbean than I ever am from California. Why not tack on something bigger? I hadn't added a new country to my list yet this year, so I started poking around flights and hotels. The prices — even with points — were brutal. 😬

Then I noticed Chase Freedom was offering 5x points on Norwegian Cruise Line. A quick search later and I found a 7-day cruise departing from NOLA hitting Mexico, Belize, and Honduras. That knocked out several destinations in one shot.


I hadn't been on a cruise in 30 years, but I was open to it. Full transparency: NCL offered me a travel agent discount plus some extras. I booked a solo studio — a 99 sq ft inside cabin tucked into a secure solo-only section of the ship — upgraded my WiFi for work (150 free minutes came with the booking), and locked in snorkeling excursions at three of the four ports. ✅

Boarding: Brace Yourself


NCL sends a flood of pre-boarding emails covering luggage tags, upgrade offers, and cruise logistics. What they don't fully prepare you for is the boarding crowd. It's chaotic. 

👉Hot tip: check in online as early as possible — it determines when you can board, and earlier boarding means smaller crowds. Also worth knowing: you don't have to wait for your assigned boarding time despite what NCL tells you. Show up when you're ready. 


And you can opt to keep your carry on luggage with you. 


Once on board, rooms aren't available until later in the afternoon, but the pool, bars, and lunch are all yours. I spotted people already in the hot tub by 1pm. 🛳️

The Solo Studio Setup


The solo studio cabin itself is compact but smartly designed, and the real selling point is what surrounds it. The Studio Lounge is a secure, solo-travelers-only space stocked daily with fresh fruit, baked goods, lemonade, water, and an espresso machine. For anyone fueled by coffee ☕, that last one matters more than you'd think.


Every day, a solo traveler coordinator runs a meetup — a genuinely useful way to connect with the 60 other solo guests on board. Ages ranged from 30 to 80, first-timers alongside seasoned Platinum cruisers. Some were even doing back-to-back sailings on the same ship (no need to disembark or switch cabins, by the way — you just keep going).


After the daily meetup, the coordinator organizes group dinners at one of the sit-down restaurants, so eating alone is entirely optional. The three main dining rooms share similar menus but each has its own atmosphere. The food was genuinely good — not just "fine for a cruise." One evening my new solo crew invited me to the specialty sushi restaurant and it did not disappoint. 🍣


The buffet runs 6am–9:30pm and covers a lot of ground: salad bar, sandwiches, pasta, Indian, soup, and made-to-order eggs at breakfast. You will not go hungry. There is also a bar food type pub open 24/7.

Evenings on Board

After dinner, the ship basically becomes its own entertainment district. During the cruise, I caught four shows in the main theater, a comedy set, an NCL presentation, live music at a bar, and a dueling piano night. 🎹 So funny, all the music onboard is from the 70's, 80's and 90's. 


The Escape also has a ropes course, mini golf, bowling, waterslides, a basketball court, and an arcade. You can go hard or you can find a quiet corner — completely up to you.

The Ports 🤿


I chose snorkeling for three of the four port days, and each experience was completely different.


  • Roatan, Honduras: The guide took us to a dramatic drop-off — a 400-foot depth change from reef to ocean floor. Jaw-dropping.
  • Cozumel, Mexico: Strong current meant drift snorkeling the whole way. You just float and let the ocean do the work.
  • Belize: Snorkeling the second-largest reef in the world after Australia's Great Barrier Reef. Worth every minute.


One practical note on booking excursions: if you go through NCL, the ship is responsible for getting you back on time — and if something delays you, they'll wait. Book independently and that responsibility shifts to the tour operator. I've spoken with independent operators who take this seriously and will cover transport if the ship leaves without you, but for my own peace of mind I booked through NCL. (I can also get clients $50 off NCL excursions, so there's no financial upside to going outside.)


The ports themselves have changed a lot over the years — think high-end shops, solid restaurants, swim-up bars, zip lines, butterfly gardens, beach clubs, and yes, fish pedicures. 🦋



The Verdict

The week moved fast. My new solo travel crew has already booked a cruise together for next year — which probably tells you everything you need to know. 🌊

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Thursday, April 16, 2026

How Transfer Bonuses Can Stretch Your Points Further 🚀


One of the smartest ways to get more value out of your flexible points is to transfer them to airline and hotel partners. And here's a little bonus (pun intended) — almost every month, one or more partners run a transfer bonus ranging anywhere from 10% to 80%. That kind of boost can make a real difference. 💪

Not every transfer partner is worth your points even with a bonus, but the good ones become genuinely great when a promotion hits.

This Month's Standout Deal 🌟


Chase Ultimate Rewards is currently offering a 20% bonus on transfers to Air Canada Aeroplan — and this one is worth acting on. On the flip side, IHG even with a 70% bonus is not usually a good value, however, if you need to top off your account, it might be good option with the bonus. 

Aeroplan consistently offers strong redemption rates, and it's one of the best ways to book flights on United Airlines without actually using United miles.

Here's a real example to show you what that looks like:







Booking MethodCost
Aeroplan miles (San Diego → Denver)15,000 miles
Chase points transferred to Aeroplan (with 20% bonus)13,000 points
United miles for the same flight15,000 miles
Chase Travel Portal~18,000 points

Transferring Chase points to Aeroplan with the current bonus saves you money compared to every other option though you will pay $47 in taxes. That's a real win. 🎯

How to Transfer Chase Ultimate Rewards Points 📲


It's easier than you might think. Here's how to do it:

  1. Log into Chase and click "Redeem Points" — the same button you'd use for the travel portal
  2. Select "Transfer Partners"
  3. Enter your loyalty number to link your accounts

  4. Enter the number of points you want to transfer (in increments of 1,000) — for our example, you'd transfer 13,000 Chase points to receive 15,000 Aeroplan miles

  5. Confirm the transfer — it usually processes immediately, though occasionally it can take a couple of days

Once the transfer goes through, pop over to the Aeroplan website to confirm the miles landed in your account, then book your flight. Done! ✅

Keep an eye on these transfer bonuses — they rotate regularly and can quietly deliver some of the best value in the points world. 👀

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities. 




Tuesday, April 14, 2026

Atmos Rewards Is Back With a 100,000-Point Bonus 🎉


Atmos Rewards (Alaska Airlines) just brought back its 100,000-point bonus offer — and this one is worth paying attention to.

I usually steer my clients toward flexible point programs like Capital One, Chase Ultimate Rewards, and Amex. But after jumping on this offer last year, I can confirm that Atmos Rewards holds its own when it comes to flexibility — especially for families.

Why Atmos Points Are More Flexible Than You'd Think ✈️

Alaska Airlines partners with 13 alliance members, including some heavy hitters:

  • American Airlines
  • British Airways
  • Aer Lingus
  • Qatar Airways
  • Singapore Airlines
  • Cathay Pacific
  • Fiji Airways
  • Finnair
  • Iberia
  • Japan Airlines
  • Malaysia Airlines
  • Qantas
  • Royal Air Maroc
  • Royal Jordanian
  • Sri Lankan Airlines

That's a lot of booking options. To put it to the test, I ran a few searches:


  • San Francisco → Sydney, Australia — multiple options on Fiji Airways and American Airlines ✅
  • New York → Madrid, Spain — solid choices on Iberia and American Airlines ✅

  • Seattle → Tokyo — non stop even business class bookable on Hawaiian Airlines  ✅

Could you sometimes find a better deal booking directly, say on Iberia using Avios? Possibly. But Atmos points shine when you need options fast. A client of mine needed a last-minute flight to Austin — cash prices were brutal, but we found a redemption for just 12,500 Atmos points. That's the kind of win that makes keeping a points stash worthwhile. 🙌

The Two Card Offers Right Now 💳

Summit Card — 100,000-point bonus

  • Spend $6,500 in the first 3 months
  • $395 annual fee
  • Perks: 50% flight discount code, 8 lounge passes, and a 25,000-point global companion award

Ascent Card — 80,000-point bonus

  • Spend $4,000 in 4 months
  • $95 annual fee
  • Perks: 50% flight discount code, $99 companion fare, and one free checked bag for you and up to 6 guests

Both are genuinely strong offers. Whether you go big with the Summit or keep it lean with the Ascent, having a healthy Atmos points balance gives you real booking power when you need it most. 🗺️

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.