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:

• 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. 
• Or you can hire us to plan your entire trip using points and miles! 

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.

Big Changes to the Chase Sapphire Preferred — What You Need to Know

Big Changes to the Chase Sapphire Preferred — What You Need to Know

Big news today for fans of the Chase Sapphire Preferred! ✈️ This has long been one of my favorite cards thanks to its flexibility, low annual fee, and solid benefits — and now it's getting even better. We don't often get to say that, but this time it mostly holds up. 😄

🎁 The Good News

• Hotel credit doubles to $100 (up from $50). With a $95 annual fee, this card is essentially free once you use it. 🤑 Here's how to use this credit. Current cardholders: if you've already used your $50 credit, you'll get another $50 on June 15th. Haven't used it yet? You'll get the full $100 on June 15th.
• $120 Global Entry credit every 4 years
• 3x points on gas stations, EV charging, and home rentals (Airbnb, VRBO, Homeaway, Homestay, Plum Guide, Vacasa)
• Free Apple TV subscription for one year — just link your Apple ID to your card in the benefits section of Chase.com by December 31, 2026 📺

↔️ Staying the Same

• 2x points on travel purchases
• 5x points on travel booked through the Chase Travel Portal
• 3x points on dining, select streaming, and online groceries (Target, Walmart, and wholesale clubs excluded)

😬 The Not-So-Good News

• The 10% anniversary points boost is going away
• Hyatt transfer ratio is dropping to 4:3 — October 1st for current cardholders, June 15th for new cardholders. That means 40,000 Chase points will now get you 30,000 Hyatt points instead of a 1:1 swap. Good news if you (or your travel partner) hold the Chase Sapphire Reserve: that card keeps its 1:1 ratio, so combining points is a smart workaround! 🔄

💳 Thinking About Applying?

Right now, new Sapphire Preferred cardholders can earn a 75,000-point bonus after $5,000 in spend — enough for two round-trip flights to Europe, four round trips to Cancún, or plenty of other options. ✨

If the Hyatt transfer change has you worried, consider the Chase Sapphire Reserve as a companion card. It's currently offering a massive 150,000-point bonus for $6,000 in spend. You can hold both cards (though you may not qualify for both bonuses). Yes, the $795 annual fee is steep, but if you'll actually use the credits, this card more than earns its keep. 💎

If you decide to apply for either of these credit cards, please use our referral links above. 

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.

How You Can Rack Up 15,000 Chase Points Fast

Chase Quietly Launched a 10x Points Offer You Don't Want to Miss 👀

Chase just announced a partnership with Paze, a new digital wallet platform — and it comes with a seriously impressive earning opportunity: 10x points on purchases, up to 15,000 points per month. 💳✨

What Is Paze?

Paze is a digital payment system owned by Early Warning Services (the same company behind Zelle) that's accepted by select online retailers and linked directly to your credit card. Several major banks have already signed on — Chase, Wells Fargo, Bank of America, Capital One, and US Bank among them.

The Chase 10x Offer

Chase is sweetening the deal for certain cardholders by offering 10x points when you use Paze for online purchases. Here's which cards are eligible:

• Sapphire Preferred
• Sapphire Reserve
• Chase Freedom
• Chase Freedom Unlimited
• Chase Freedom Flex

United credit cards are also eligible for 10x points, though their cap is 20,000 points total.

How to Get Set Up

Getting started is straightforward:

1. Open the Chase mobile app
2. Tap Digital Wallet, then select Paze
3. Choose your eligible card — it should link instantly ✅

Where to Shop

Head to Paze.com to see the current retailer list. It's still growing, but a few highlights include Fanatics, Broadway.com, Harry & David, Domino's, and GNC.

Here's where it gets interesting for points enthusiasts 🤓 — New Egg is on the list, and they sell gift cards for a wide range of brands we actually use for travel and everyday spending:

• ✈️ Southwest Airlines
• 🏨 Hotels.com
• 🚢 Princess Cruises
• ✈️ Delta
• 🚗 Lyft
• 🛒 Chewy, Instacart, DoorDash, Uber Eats, Grubhub, Chipotle, Airbnb

Stacking 10x points on gift cards for travel brands? Yes, please.

👉Hot tip: try 3x stacking with Rakuten or your favorite shopping portal

The Numbers

The offer caps at $1,500 per card per month, which translates to a clean 15,000 Chase points. With this promotion running through December 31, 2026, there's real earning potential here if you stay consistent — especially if you're already spending at these brands anyway.

Once your purchase posts, the 10x points will appear in your account automatically. No hoops, no codes.

With 7 months left on this offer, that's a lot of points!  

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.

 

Why airline loyalty limits your travel options

Met with a new client today to talk about booking a dream Europe trip using points and miles. ✈️ Here's the exciting part — they're sitting on more than one million miles! 🎉

The catch? Every single one of those miles is with American Airlines, which significantly narrows the options.

Here's what we found when searching available business class seats to Europe on the American Airlines site: prices ranged from 57,500 to a jaw-dropping 443,000 miles each way. 😬 Those lower-end seats often came with two stops and limited availability, while the best flights were sitting at the top of that range. Not ideal.

This is the reality of putting all your eggs in one airline's basket. When you're locked into a single carrier, you're at the mercy of whatever they decide to offer — and the sweet spots can be few and far between.

The good news? There's a smarter way to build your points stash. 💡 Flexible points currencies like Chase Ultimate Rewards, Citi ThankYou, American Express Membership Rewards, Bilt, or Capital One Miles give you real options. You can book directly through their travel portals OR transfer to dozens of airlines and hotels — whichever gives you the best value for your specific trip.

Flexibility really is everything when it comes to points. 🙌

The best offer out there right now, the Chase Sapphire Reserve is offering 150,000 bonus points to new cardholders, and this is one worth paying attention to. We have heard this offer is ending soon. 

Here's what the current offer looks like:

Spend $6,000 in the first 3 months and you'll earn 150,000 bonus points. Those points are conservatively valued at around $2,500 — but depending on how you redeem them, (transfer to a dozen different airlines and several hotel chains including Hyatt) they can stretch significantly further.

The annual fee is $795, which I know sounds steep. But before you close the tab, take a look at what's included:

• ✈️ $300 Travel Credit
• 🎟️ $300 StubHub Credit
• 🍽️ $300 Dining Credit
• 🏨 $500 Edit Hotels Credit
• 🏨 $250 Select Chase Hotels Credit
• 🛂 $120 Global Entry Credit
• 🚗 $10/month Lyft Credit
• 🛵 $25/month DoorDash Credit
• 🎵 Complimentary Apple TV+ & Apple Music
• 🚴 $120 Peloton Credit
• 🛋️ Priority Pass Lounge Access (you + 2 guests)
• 🛋️ Sapphire Lounge Access

If you actually use these credits, the math works strongly in your favor. That said, it does take some intentionality to make sure you're not leaving value on the table — this card rewards people who engage with it.

If this card seems like too much, the Chase Sapphire Preferred is a great flexible travel card. The annual fee is just $95 and the bonus is 75,000 points for a $5,000 minimum spend. 

If this fits how you already travel — or how you want to travel — it's a genuinely strong offer. Hit the link below to apply through my referral link, and feel free to reach out with any questions!

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.

Real Client Case Study: Building a Points Strategy from Scratch

Real Client Case Study: Building a Points Strategy from Scratch

Recently I sat down with a new client to audit her credit card setup and figure out how she could earn and redeem points more effectively. Here's exactly what we went through — and what we decided.

Her Starting Point 📋

• Cards she holds: Chase Sapphire Preferred, Delta Amex Gold, Wells Fargo no-annual-fee card
• Airlines she flies: Primarily Delta, but price-sensitive — so JetBlue, Frontier, and Spirit (RIP ✈️) make regular appearances
• Big recurring expenses: Rent and tuition (paid twice a year, but may incur a 3% credit card fee)
• Home airport: Salt Lake City (SLC)

She was using the Sapphire Preferred for almost everything and the Delta Amex only for Delta purchases. No specific trips on the horizon yet.

---

The Strategy: Go Deep on Chase Ultimate Rewards 💳

Since she has no destination locked in, flexible points are her best friend right now. She already has a small stash of Chase Ultimate Rewards from her Sapphire Preferred, so we decided to build on that foundation rather than start somewhere new.

One big win here: Chase Ultimate Rewards transfer 1:1 to JetBlue — one of her go-to airlines. That's a genuinely useful transfer partner given her flying habits.

💡 Quick tip: The Chase Sapphire Preferred includes a $50 annual hotel credit when you book through the Chase Travel Portal. With a $95 annual fee, that brings your real cost down to $45.

---

The New Card Conversation: Freedom Unlimited vs. Freedom Flex

Both are no-annual-fee Chase cards that funnel points into the same Ultimate Rewards bucket — meaning they work with her Sapphire Preferred, not separately from it. You can read about how to combine CUR points here. 

Chase Freedom Unlimited

• 1.5x points on all purchases (better baseline than the Sapphire Preferred)
• 3x on dining and drugstores
• Current offer: 20,000 points after $500 spend 🎉

Chase Freedom Flex

• Rotating 5x quarterly bonus categories (this quarter includes Amazon — easy way to stack up to 7,500 bonus points fast)
• 3x on dining and drugstores
• 1x on everything else
• Current offer: 20,000 points after $500 spend 🎉

Both are worth considering — the right pick depends on whether she prefers a consistent flat rate or wants to actively track and maximize rotating categories.

---

Two Free Accounts Worth Opening 🛍️

We also talked about signing up for Rakuten and Bilt:

• Rakuten — shop through their portal and earn cash back or points on purchases you'd make anyway. Use a referral link to get $50 or 2,500 Bilt points after your first $50 purchase.
• Bilt — lets you transfer points to dozens of different airlines and hotels. You can also open a Bilt credit card to earn points on rent payments with no transaction fees, but it's a bit complicated so we decided to table this one for right now. 

---

What About the Delta Amex? 🤔

We discussed cancelling it. Here's the logic:

• $150 annual fee
• She rarely uses it
• It's not her oldest card, so the credit score impact would be minimal

Bottom line: keeping a card "just in case" when it costs $150/year and sits in a drawer isn't worth it.

---

Where Things Stand

She's in a solid position. By consolidating around Chase Ultimate Rewards, adding a no-annual-fee earning card, and plugging into Rakuten and Bilt, she'll be sitting on a healthy stash of flexible points whenever she's ready to book something. No trip needed yet — just a smart setup so the options are there when she wants them. 🗺️

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.

La Guardia Got a Glow-Up — And the Chase Sapphire Lounge Is Worth the Detour

La Guardia Got a Glow-Up — And the Chase Sapphire Lounge Is Worth the Detour

Let's be honest: La Guardia used to be the airport everyone complained about. Not anymore. The redesigned LGA is genuinely impressive, and the Chase Sapphire Lounge takes it up another level. ✨

The lounge is a perk for Chase Sapphire Reserve cardholders — and right now the card is offering a 150,000 bonus point welcome offer that's hard to ignore.

👉Hot Tip: Chase Sapphire Preferred card holders get one FREE pass per year to the Sapphire Lounge. 

What's Inside 👀

The two-story space is built around a circular bar and packed with seating options — tables, couches, tucked-away nooks, phone booths, and fireplace seating. The vibe is polished without being stuffy.

Here's what's included:

• Free cocktails and an oat milk latte situation that actually delivers ☕
• Buffet-style food plus order-to-your-table service
• A faux fireplace (surprisingly cozy)
• And yes — free facials 🧖

👉Hot tip on the facials: scan the QR code at your table the moment you sit down and book a slot immediately. Appointments run every 15 minutes and the facial itself is 30 minutes, so a little advance planning goes a long way. Don't wait until you've had two cocktails and suddenly remember.

The cardholder can also bring in two guests for free — making it genuinely useful for couples or travel companions. 🙌

Where to Find It

Sapphire Lounges currently operate at JFK, La Guardia, Boston, Las Vegas, Philadelphia, Phoenix, and San Diego, with Los Angeles and Dallas coming soon.

Getting to the LGA lounge requires a little navigation — the Terminal B map is not your friend. Head toward the Brooklyn Diner or gates 31–49, take the elevator down to the first floor, follow the hallway, and you're there. Worth the mild scavenger hunt.

If this lounge fits your regular travel routes, the 150,000-point welcome offer on the Sapphire Reserve is a solid reason to take another look at the card. 💳

Here's what the current offer looks like:

Spend $6,000 in the first 3 months and you'll earn 150,000 bonus points. Those points are conservatively valued at around $2,500 — but depending on how you redeem them, (transfer to a dozen different airlines and several hotel chains including Hyatt) they can stretch significantly further.

The annual fee is $795, which I know sounds steep. But before you close the tab, take a look at what's included:

• ✈️ $300 Travel Credit
• 🎟️ $300 StubHub Credit
• 🍽️ $300 Dining Credit
• 🏨 $500 Edit Hotels Credit
• 🏨 $250 Select Chase Hotels Credit
• 🛂 $120 Global Entry Credit
• 🚗 $10/month Lyft Credit
• 🛵 $25/month DoorDash Credit
• 🎵 Complimentary Apple TV+ & Apple Music
• 🚴 $120 Peloton Credit
• 🛋️ Priority Pass Lounge Access (you + 2 guests)
• 🛋️ Sapphire Lounge Access

If you actually use these credits, the math works strongly in your favor. That said, it does take some intentionality to make sure you're not leaving value on the table — this card rewards people who engage with it.

Full disclosure: I have a complicated history with this card after last year's refresh (you can read about that here), but I also just used it for a nearly free Las Vegas weekend in January 🎰 — so clearly we've worked things out.

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.

🚨 Chase Just Raised the Sapphire Reserve Welcome Bonus to 150,000 Points!

🚨 Chase Just Raised the Sapphire Reserve Welcome Bonus to 150,000 Points!

Chase quietly made a big move — the Chase Sapphire Reserve is now offering 150,000 bonus points to new cardholders, and this is one worth paying attention to.

Full disclosure: I have a complicated history with this card after last year's refresh (you can read about that here), but I also just used it for a nearly free Las Vegas weekend in January 🎰 — so clearly we've worked things out.

Here's what the current offer looks like:

Spend $6,000 in the first 3 months and you'll earn 150,000 bonus points. Those points are conservatively valued at around $2,500 — but depending on how you redeem them, (transfer to a dozen different airlines and several hotel chains including Hyatt) they can stretch significantly further.

The annual fee is $795, which I know sounds steep. But before you close the tab, take a look at what's included:

• ✈️ $300 Travel Credit
• 🎟️ $300 StubHub Credit
• 🍽️ $300 Dining Credit
• 🏨 $500 Edit Hotels Credit
• 🏨 $250 Select Chase Hotels Credit
• 🛂 $120 Global Entry Credit
• 🚗 $10/month Lyft Credit
• 🛵 $25/month DoorDash Credit
• 🎵 Complimentary Apple TV+ & Apple Music
• 🚴 $120 Peloton Credit
• 🛋️ Priority Pass Lounge Access (you + 2 guests)
• 🛋️ Sapphire Lounge Access

If you actually use these credits, the math works strongly in your favor. That said, it does take some intentionality to make sure you're not leaving value on the table — this card rewards people who engage with it.

A few things to know before you apply:

You can hold both the Sapphire Preferred and the Sapphire Reserve at the same time. However, if you've received a welcome bonus on either personal Sapphire card in the past 48 months, you likely won't qualify for this one. The good news? Chase will show you an eligibility pop-up before the hard credit pull, so you'll know where you stand before anything hits your credit report. 👍

If this fits how you already travel — or how you want to travel — it's a genuinely strong offer. Hit the link below to apply through my referral link, and feel free to reach out with any questions!

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.

Find Out How You Can Get 5x Points on Amazon

 

An easy way to rack up Chase Ultimate Reward points is to max the 5x bonus categories on the no annual fee Chase FREEDOM and FREEDOM FLEX credit cards. 

These are rotating bonus categories that have included gas stations, restaurants, pet stores, entertainment, Paypal and more. 

For Q2 2026, the categories are:

• Amazon 
• Chase Travel
• Feeding America
• Whole Foods Market

I am super excited about Amazon since it's difficult to max points at the online store. 

You need to activate your card here before you get the bonus, but the extra points are retroactive. And you are limited to $1,500 across the categories, but hey, I am happy to take an extra 7,500 points anytime. 

Right now, the Chase FREEDOM FLEX is offering a $200 bonus on a $500 minimum spend. This annual no fee credit card is a great compliment to the Chase Sapphire Preferred or Reserve credit card too. 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 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.