How To Get A Whoop Device Membership For FREE

Chase is at it again. 😄 Lately, the Sapphire cards have been piling on credits and perks — and if you’re paying attention, it’s getting easier to squeeze real value out of them.

We recently covered how to use the Chase Sapphire Reserve credits (Edit, Dining, StubHub, and the Hotel Credit) for an almost-free trip to Las Vegas 🎰. And we also talked about the $50 promotional travel credit on the Chase Sapphire Preferred, which stacks nicely with the card’s annual hotel credit.

Now there’s a new perk in the mix: Whoop.

New Chase perk: Whoop memberships 🏃‍♀️⌚

Chase Sapphire cards now include offers for Whoop, the health and fitness tracker that monitors things like:

• Sleep

• Stress

• Recovery

• Activity and strain
  …all day, every day.

Here’s what Chase is offering

Chase Sapphire Reserve

• Free one-year “Life” membership

• Listed value: $359

Chase Sapphire Preferred

• $100 off the “One” membership

• Membership price: $149 (before the discount)

Important: activate first ⚠️

You must activate the offer inside Chase Offers in your Chase.com account before you buy.

Quick note from my own experience: the Whoop offer didn’t show up immediately for me. I had to type “Whoop” into the search bar inside Chase Offers to find it.

Hot tip: stack it with the free trial 💡

Whoop offers a one-month free trial, which is a great way to test it out before committing.

If you go this route, make sure you:

• Purchase your membership before the trial ends so you can choose the Life membership, or

• Cancel in time so you don’t get auto-enrolled and charged for the PEAK membership ($239)

Because yes… that part happens fast. 😅

If you’ve been curious about Whoop, this is one of the better ways to try it without paying full price.

If you don't have a Chase Sapphire credit card yet, the Reserve is offering 125,000 bonus right now and the Preferred is offering 75,000 bonus. Talk to me first though to confirm these cards make sense for you. 

Want more personal help using points and miles for almost FREE travel? I can plan your entire trip using your points and miles or offer a 30 minute consult to answer questions or you can  download my ebook, custom tracker or Join my Travel Coaching Program.

Right now, you can use the promo code "FREETRAVEL" to get $50 off the coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

Have You Used Your Chase Sapphire Preferred $50 Travel Credit Yet?

Have you used your $50 Chase Sapphire Preferred promotion in the Chase Travel Portal yet? ⏳ It expires in June 2026, so it’s worth using sooner rather than later.

Last year, Chase started giving new (and “new-ish”) Sapphire Preferred cardholders a free $50 credit to use on any purchase in the Chase Travel Portal — and now that promo is approaching its expiration date. Don’t let it quietly disappear!

Where to find the Chase Travel Portal 🧳

The Chase Travel Portal lives inside your Chase.com account and includes:

• ✈️ Flights

• 🏨 Hotels

• 🎟️ Activities

• 🚢 Cruises & tours

• 🚗 Rental cars

You can pay with cash or Chase Ultimate Rewards points, and in many cases you’ll still earn bonus points when booking. It’s run through a third-party booking platform, but you still have Chase Travel support if something goes sideways.

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How to use the $50 promotion 💳

1. Log in to your Chase.com account

2. Click Redeem points to enter the travel portal

3. Search for your flight or hotel stay

4. Click the option you want and add it to your cart

5. If you have the promo, you’ll see “Promotion available” under the trip total

6. Click to apply it

7. The total will drop by $50, and you can still use points to cover the rest

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A real example (because numbers make this fun) 😄

A client recently booked a flight for $234 in the portal, applied the $50 promotion, and used 18,672 Chase Ultimate Rewards points (still worth 1.25¢ each in the portal). Older points are worth 1.25 through the end of 2027. New earned points are only worth 1x in the portal. 

So she paid just $0 for the flight. Woohoo. 🎉

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One important note 👀

You usually won’t see the promotion until something is in your cart. But once it shows up, you can toggle it on and off while you’re deciding — it doesn’t lock in until you actually purchase.

So if you’ve got that $50 sitting there, go grab yourself a discounted flight, hotel night, or even an activity. Future-you will be glad you did. 😊

If you don't have a Chase Sapphire credit card yet, the Reserve is offering 125,000 bonus right now and the Preferred is offering 75,000 bonus. Talk to me first though to confirm these cards make sense for you. 

Want more personal help using points and miles for almost FREE travel? I can plan your entire trip using your points and miles or offer a 30 minute consult to answer questions or you can  download my ebook, custom tracker or Join my Travel Coaching Program.

Right now, you can use the promo code "FREETRAVEL" to get $50 off the coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

How You Can Use Your Sapphire Reserve Credits For A Vegas Holiday

Since the refresh of the Chase Sapphire Reserve last year, figuring out how to actually use the card’s growing list of credits has been top of mind. With such a high annual fee, you really don’t want those credits expiring unused—but how do you use them without spending a ton of extra cash?

I kept seeing Las Vegas mentioned as an easy win, so I decided to test it myself. My credits were expiring December 31, 2025, which gave me a perfect excuse to plan a quick midweek escape. I started researching what 48 hours in Las Vegas could realistically look like—and whether the math would actually work in my favor.

Below is exactly how I used the credits, and what the weekend ultimately cost. 🎰✈️

Chase Sapphire Reserve Credits (Current Lineup)

The Chase Sapphire Reserve currently includes the following credits:

• $500 Edit Hotel Credit – $250 per two-night stay booked through the Chase Travel portal

• $300 Restaurant Credit – valid through Chase Sapphire Reserve Exclusive Dining

• $300 StubHub Credit – must be activated in your Chase account before purchase; split into two $150 credits (Jan–June and July–Dec)

• $250 Chase Hotel Credit – valid on select hotel brands (Omni, IHG, Montage, Pendry, Virgin, Minor, Pan Pacific) booked through the portal; two-night stay required

• $300 Annual Travel Credit – automatically applied to eligible travel purchases charged to the card

The credits I specifically needed to use before they expired were:

• $150 Dining Credit

• $250 Edit Hotel Credit

• $150 StubHub Credit

Booking the Hotel 🏨

I logged into the Chase Travel portal and found a solid midweek deal at Park MGM: Tuesday–Thursday in mid-January for about $145 per night, plus a $100 property credit. After booking, the $250 Edit Hotel Credit posted the next day. The hotel was well located, room was large and beds were comfy. Added bonus, there is a tram that connects the hotel to the Bellagio saving your feet from more walking. 

Total out-of-pocket for the hotel: $41

Using the StubHub Credit 🎭

Next stop: StubHub. I noticed The Wizard of Oz was playing at the Sphere—seeing a show there was already on my wish list. Midweek 5:00 pm tickets were about $189 per ticket including fees and taxes.

After activating the StubHub credit, I booked the tickets. The $150 credit posted immediately.

Total out-of-pocket for the show: $229

Dining with Chase Exclusive Tables 🍽️

I checked Chase Sapphire Reserve Exclusive Tables and snagged a reservation at Hell’s Kitchen. Dinner came to $175 including tax and tip, and the dining credit applied seamlessly. And by the way, dinner was delicious. Highly recommend! 

Total out-of-pocket for dinner: $25

Property Credit Meals & Extras 🥢☕

We used the $100 Park MGM property credit for dinner at La La Noodle and breakfast at Primrose Café. The front desk confirmed the credit only covered food—not tax or tip, but was valid at any of the restaurants inside the hotel except Crack Shack. 

We also split a sandwich from Eataly before the show. 

Total out-of-pocket for additional food, tax and tip: $45

Since that used up the property credit, we picked up breakfast at the airport before our flight home in the Capital One Lounge which is a benefit of the Capital One Venture X credit card. Yum! 

Capital One Lounge Las Vegas

Flights & Transportation 🚗

We flew to Las Vegas on Southwest using points and my Companion Pass. I did park my car at the San Diego airport for $36.

We skipped renting a car in Las Vegas and used Lyft instead. I applied the $10 monthly Chase Sapphire Reserve Lyft credit for the airport ride, and paid for the return trip.

Total out-of-pocket for parking and rides: $51
(If I still had my $300 travel credit available, this would have been fully covered.)

Beautiful light and fountain show in front of the Bellagio Hotel

Final Tally 💸

Was this a completely free Las Vegas trip? No—not technically. But for 48 hours in Vegas, a hotel stay, a Sphere show, multiple restaurant meals, and flights on points, we spent about $250 out of pocket total.

More importantly, I used credits that otherwise would have expired—and turned the Chase Sapphire Reserve “coupon book” into a genuinely fun, low-stress getaway. For me, that’s exactly how these credits should work. If you are interested in applying for the Chase Sapphire Reserve or Preferred credit cards, use this link. 

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting call, download my ebook, custom tracker or 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 coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

The Chase Combo That Changed My Points Game 💳✨

The Chase Freedom Unlimited + Sapphire Combo That Changed My Points Game 💳✨

Want to know a points-earning strategy that actually makes sense? Pair the no-annual-fee Chase Freedom Unlimited with either a Sapphire Preferred or Reserve card. (I've got a full breakdown of how this duo works )

Here's why this matters: The Freedom Unlimited earns 1.5 points on literally everything, plus 3x at restaurants and drugstores, and 5x on travel booked through Chase. The real magic happens when you transfer those points to your Sapphire card—suddenly they're worth way more when you redeem them for travel.

Right now, there's a $300 bonus after you spend $500 🎉

Since there's no annual fee, this card pays for itself (well, technically it costs nothing). It's one of those rare no-brainer additions to your wallet that keeps working for you year after year.

Use my referral link to get the increased bonus 

Want more personal help planning your next trip? Book a 1:1 consulting call, download my ebook, custom tracker or 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 coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

Score Big Points: Chase Freedom Q1 2026 Categories Are Here! 💳

Chase just dropped the Q1 2026 rotating bonus categories for the Freedom (no longer available) and Freedom Flex cards, and there's some surprisingly specific earning potential this quarter.

Why These Cards Matter

Both Freedom cards charge zero annual fees and pair beautifully with premium Chase cards like the Sapphire Preferred or Sapphire Reserve. Since all your points pool together in the Chase Ultimate Rewards ecosystem, you're essentially earning 5x points that can transfer to travel partners or boost redemptions through the Chase portal.

Q1 2026 Categories (Jan 1 - Mar 31)

Here's where you'll earn 5x points:

• Norwegian Cruise Line 🚢
• American Heart Association
• Dining 🍽️

The Cruise Opportunity

Planning a Norwegian cruise in 2026? Here's a pro move: wait until January to book or pay your balance. A $3,000 cruise booking would generate 15,000 Chase points—that's serious value from a no-fee card. Even final payments on existing bookings should qualify if processed during Q1.

Dining Never Gets Old

The dining category remains one of the most practical bonus opportunities. Whether you're grabbing coffee, ordering takeout, or enjoying a nice meal out, those 5x points add up quickly over three months.

Don't Forget to Activate! ⚠️

Activate your card by March 14th to earn bonus points. The good news? Activation is retroactive to January 1st, so you won't miss out on early purchases.

New to Chase Freedom?

The Freedom Flex currently offers a $200 welcome bonus after spending $500 in the first three months. That's a solid return for everyday spending, plus you'll be ready for future rotating categories.

If you don't have a Chase Sapphire Reserve credit card yet and these credits sound interesting to you, there is an increased 125,000 point offer right now for a $6,000 minimum spend. You can read more about the benefits of the card here. If that's too steep for you, the Chase Sapphire Preferred is also offering an increased 75,000 point bonus offer for $5,000 minimum spend.

Want more personal help planning your next trip? Book a 1:1 consulting call, download my ebook, custom tracker or 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 coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

Don't Let Your Chase Sapphire Reserve Credits Expire! Here's Your Game Plan 🎯

Got the Chase Sapphire Reserve? You're probably feeling the December 31st deadline pressure right about now.

Here's the deal: Chase bumped the annual fee to $795 earlier this year (ouch 😬). But they also added some seriously valuable credits to soften the blow. The catch? They all expire on Dec. 31st, and you need to use them to actually justify that hefty fee.

If you're scrambling to figure this out, you're not alone—we're in the same boat! Let me walk you through some strategies that might help. Plus, Chase is rolling out changes on January 1st that should make this less stressful next year 🙌

Your Three Main Expiring Credits:

• $150 StubHub credit
• $150 Restaurant credit
• $250 Edit hotel credit

(There are also monthly credits like Lyft and DashPass, but those don't expire annually, so we're focusing on the big three.)

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💳 The $150 StubHub Credit

This one's straightforward:

Activate the credit first in your Chase.com account. It's located under benefits. Buy any ticket on StubHub.com using your Chase Sapphire Reserve card. You can purchase for yourself or let someone you trust buy a ticket in their account using your card—as long as the purchase goes through StubHub directly, you're good.

Key detail: You only need to purchase the ticket by Dec. 31st, not attend the event. You need to activate the credit before you make the purchase! 

Pro tip: You could buy a ticket and relist it on StubHub. Even if you resell for the same price, you're up $150 from the credit 💡

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🍽️ The $150 Restaurant Credit

This one confuses people, but it's actually pretty flexible:

1. Go to Chase Sapphire Exclusive Tables on OpenTable
2. Click your city (or wherever you're visiting) to see participating restaurants
3. Book a reservation through OpenTable—you can choose ANY available time, not just the ones marked "Chase Sapphire"

But here's where it gets better—you don't even need a reservation:

• Walk in and dine
• Order takeout
• Get delivery (if the restaurant offers it directly—not through third-party apps)
• Buy a gift card online IF the restaurant uses Toast as their payment system (you'll see "Toast" on the checkout page)

Just make sure you pay with your Chase Sapphire Reserve card to trigger the credit.

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🏨 The $250 Edit Hotel Credit

This one takes a bit more work:

Log into the Chase Travel Portal and search for hotels. Edit properties sometimes appear at the top if they include a points boost, but there's no dedicated filter (annoying, I know).

Since Edit hotels are typically 4-5 star luxury properties, filter for those categories to narrow your search. Some more affordable options include Kimpton hotels and MGM properties in Las Vegas.

What you get with Edit hotels:

• $100 property credit
• Daily breakfast
• Early check-in/late check-out
• Free WiFi

Important notes:

• 2-night minimum required
• Book by Dec. 31st, but your actual stay can be in 2025
• Some people are booking refundable 2026 stays—we're still figuring out what happens if you cancel or modify
• You can use Chase Ultimate Rewards points to cover any remaining balance after the credit

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My Vegas Plan 🎰

I already have trips booked for next year, but the Edit hotels in those cities were way over budget. So I'm doing a quick midweek Vegas trip instead:

• MGM Grand - only $40 out of pocket after the $250 credit for 2 nights
• Daily breakfast included
• $100 property credit for lunch or dinner
• $150 restaurant credit for another meal out
• $150 StubHub credit for Sphere tickets
• Southwest points + Companion Pass for flights

Total out-of-pocket: $40 for a 2-night Vegas getaway ✈️

I'll report back on how it goes! 

In January, Chase is changing the bi-annual $250 credit to an annual $500 credit, BUT you will still need to book a 2 night minimum for each $250 credit. The theory is you can book back to back reservations to use both credits. You will need to contact the hotel to connect the reservations so you don't need to change rooms. 

If you don't have a Chase Sapphire Reserve credit card yet and these credits sound interesting to you, there is an increased 125,000 point offer right now for a $6,000 minimum spend. You can read more about the benefits of the card here. If that's too steep for you, the Chase Sapphire Preferred is also offering an increased 75,000 point bonus offer for $5,000 minimum spend.

Want more personal help planning your next trip? Book a 1:1 consulting call, download my ebook, custom tracker or 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 coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

 

Points Ecosystems: A 4-Person Portugal Field Test ✈️

Portugal is absolutely one of those bucket-list destinations! Sun-drenched cities, incredible food, and history around every corner. Even better? With some clever planning, it’s also an incredibly affordable one. Before we dive into what to eat and see in Lisbon and Porto, let's look at the most exciting part: free flights!

I often hear from clients who get stuck at the points-redemption stage. They have the points, they want to book, but they freeze up worrying they aren't getting the best deal or doing it "right."

I’m about to show you that there isn't one "right way." There are many different ways to get to the exact same destination using different combinations of points and miles, and all of them are wins! Hopefully, this case study takes some of the pressure off your next big booking.

The Ultimate Points Challenge

Recently, my family of four headed to Portugal for a much-needed getaway. But this wasn't a simple round-trip for four. Because of different schedules and starting points, we were traveling from four different cities on four different days to converge on Lisbon.

This logistical challenge turned into a perfect, real-life points-and-miles case study, demonstrating how powerful diverse redemptions can be. Here’s a look at the strategy for each traveler:

Traveler 1: The Multi-City Mixer

• LAX → MAD | Nonstop via Iberia Airlines | 18,000 Iberia Avios + $60 | |
• Seville (SVQ) → LIS | Positioning flight (booked via portal) | 8,000 Chase Ultimate Rewards (UR) 
• ATH → CDG → LAX | Return via Air France/KLM (Flying Blue) | 20,000 Chase UR (transferred to Flying Blue) + $80 
• Total Cost | | 46,000 points + $140 | The takeaway here is using Avios for low-tax redemptions and then transferring Chase points to a partner (Flying Blue) for the long-haul return.

Traveler 2: The Direct & Diversify

• LAX → LIS | Direct via TAP Portugal (booked via portal) | 22,000 Chase UR 
• OPO → AMS → SAN | Return via KLM (Flying Blue) | 20,000 Chase UR (transferred to Flying Blue) + $80 
• Total Cost | | 42,000 points + $80 | A great reminder that sometimes the easiest redemption is through a portal (Chase) for the outbound, while a partner transfer (Flying Blue) is best for the inbound.

Traveler 3: The Flying Blue Promo Fare Hunter

• SFO → CDG → LIS | Air France Promo Fare | 18,750 Chase UR (transferred to Flying Blue) + $120 
• LIS → AMS → SFO | KLM Promo Fare | 18,750 Chase UR (transferred to Flying Blue) + $177 | | 
• Total Cost | | 37,500 points + $297 | This person shows the magic of Promo Fares. They saved the most points overall by being flexible with connections and leveraging a great monthly transfer bonus.

Traveler 4: The Avios Madrid Hub Master

• ORD → MAD | Iberia Avios Redemption | 20,750 Iberia Avios + $67 
• LIS → MAD | Cheap cash positioning flight | $50 
• MAD → ORD | Iberia Avios Redemption | 16,000 Iberia Avios + $36 
• Total Cost | | 36,750 points + $153 | The Avios sweet spot is real! By routing through Madrid, they used significantly fewer points for a transatlantic trip and spent only a little extra cash on the positioning flight.

The Grand Total & The Earning Strategy

To move four people from four different starting points across the Atlantic, we used:

Total Points and Miles Redeemed

• Chase Ultimate Rewards: Approximately 107,500 points

• Iberia Avios: 45,750 Avios

• Total Cash Paid (Taxes/Fees/Cash Leg): ~$670

That’s four transatlantic flights and two positioning flights for minimal cash! 🤯

How We Earned the Points

Now for the second most-asked question: How do you have so many points?

• Chase Points: My large stash came primarily from my Player 2 (P2) downgrading his Chase Sapphire Preferred credit card earlier this year and immediately reapplying to snag a huge 100,000-point welcome bonus. This is a classic, powerful strategy.

• Iberia Avios: I earned 100,000 Iberia Avios a few years ago when Chase offered a whopping bonus on their co-branded Iberia Visa. I canceled the card after a year, but I kept the points alive by making a small, occasional purchase through the Iberia Shopping Portal—a simple trick to prevent expiration!

That's how it's done! Once you knock the big ticket item—the flights—out of the park for practically free, then you can relax and move on to redeeming for hotels, activities, and rental cars. If you aren't using points yet, focus on earning them for your next big trip. It’s absolutely worth the effort!

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting call, download my ebook, custom tracker or 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 coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

#1 Thing You Need To Do BEFORE Oct. 26th

 

If you already had the Chase Sapphire Reserve before the mega bonus offers in June 2025, then get ready for your benefits to kick in. 

Starting October 26th, we will finally get the new refreshed benefits and for most of us, we are getting them without paying the increased annual fee. So you want to make sure you cash in! And some of the benefits reset January 1st, so you really want to be on top of this one to max out the value. 

Here's the list so you can just check them off as you go:

Before 10/26 - 

• Transfer points to your Chase Sapphire Reserve or Preferred from any Chase Ink, Freedom or Unlimited credit cards so they hold onto their increased value of 1.25 or 1.5. Any points accumulated or transferred to the Chase Sapphire Reserve BEFORE Oct. 26th hold their value. 

After 10/26 - 

• Activate Apple TV+ and Apple Music
• Activate IHG Platinum Status 
• $250 "The Edit" hotel credit valid through 12/31/25 then resets Jan. 1st 
• $150 StubHub credit valid through 12/31/25 then resets Jan. 1st
• $150 dining credit valid through 12/31/25 then resets Jan. 1st
• Points earned after 10/26 can be redeemed for 1x
• Peloton statement credit begins 

Starting 1/1/26 -

• "The Edit" hotel credit resets to $500 per year
• StubHub credit increases to $300 per year 
• Dining credit increases to $300 per year
• $250 one time promo for select properties 

I plan to pin this list where I can see it and check off these credits as I use them. If you use the credits, the card more than pays for the increased annual fee of $795. 

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 book a 1:1 consulting call.  I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities.

How My Client Scored a FREE Mediterranean Cruise PLUS Used Points for Extras 🚢

 

Picture this: You've just won a Mediterranean cruise through a work promotion, and you're wondering if you can make it even better without spending a dime. That's exactly what happened to one of my clients, and the answer might surprise you!

The Power Play: Using Points as Statement Credits ✨

My client had already hit the jackpot with her free cruise and flights (earned through reaching her sales goals), but she wanted to know if her credit card points could cover the drink package and shore excursions.

Here's the game-changer: Most flexible points programs let you use points as statement credits to offset ANY purchase – not just traditional travel bookings.

Which Cards Offer Statement Credit Options?

• Capital One: Famous for their "Purchase Eraser" feature
• Chase: Through their "Pay Yourself Back" option
• American Express: Via statement credit redemptions
• Citi: Through their rewards portal

Real Results: 290,000 Points = Major Savings 💳

When my client logged into her Chase Sapphire Preferred account (she hadn't checked in ages!), she discovered 290,000 points just sitting there. Here's how she used them:

• Drink package: 30,000 points
• Shore excursions: Several thousand additional points
• Leftover balance: Saved for her upcoming Alaska adventure

Is This the "Best" Use of Points?

Let's be real – you might not get maximum value compared to transferring points to airline partners. But sometimes convenience and cash flow matter more than squeezing every penny of value from your rewards.

The bottom line: If using points means you can enjoy your vacation worry-free without touching your bank account, that's a win in my book.

How to Redeem Points as Statement Credits

The process is surprisingly simple:

1. Log into your credit card account
2. Navigate to "Redeem Rewards" or "Pay Yourself Back"
3. Select the charges you want to cover
4. Confirm your redemption (usually at 1:1 value)

Pro tip: Keep an eye out for bonus categories that might offer better redemption rates during special promotions!

The Takeaway

Don't let your hard-earned points collect digital dust. Whether you're covering cruise extras, hotel incidentals, or any other travel expenses, your flexible points can work harder for you than you might think.

Have you discovered a stash of forgotten points in your account? Share your best redemption wins in the comments below! 👇

If you need more points, the Chase Sapphire Preferred has a $95 annual fee and right now is offering a 75,000 bonus point offer for a $5,000 minimum spend. 

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. Not ready to dive into the coaching program, download the ebook or custom tracker or book a 1:1 consulting call with me.  I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities.