Sunday, December 21, 2025

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 calldownload 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. 


Wednesday, December 17, 2025

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 calldownload 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. 

Tuesday, December 16, 2025

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

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.)


💳 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 💡


🍽️ 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.



🏨 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

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. 


Want more personal help planning your next trip? Book a 1:1 consulting calldownload 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. 





Wednesday, December 10, 2025

Your Ultimate 10-Day Portugal Adventure


Portugal truly has it all. Wine that'll make you reconsider your drinking habits (in the best way), beaches carved into dramatic cliffs, rivers winding through ancient valleys, narrow cobblestone streets that were definitely not designed for modern cars, and yes, that famous yellow tram. I traveled from the sun-soaked Algarve in the south all the way north to the terraced vineyards of the Douro Valley and the vibrant streets of Porto, with plenty of stops in Lisbon and charming villages along the way.

This is my 10-day itinerary that actually worked – no rushing, no FOMO, just the right balance of sightseeing and soaking it all in. And if you want help booking this luxury trip for less? Reach out to me.

Getting There: The Flights ✈️

My family flew to Lisbon using points and miles, but here's where it got interesting: we were coming from four different cities, arriving and departing on different days, and arriving and departing on different flights to and from different destinations. Chaos, right?

Actually, it was both complex and simple at the same time. Simple because we were essentially four solo travelers with some flexibility, which makes award bookings much easier to piece together. Complex because keeping track of everyone's itinerary required a detailed spreadsheet and possibly too much coffee.

Want the full breakdown? You can read about exactly how I used points and miles for these flights here.

Days 1-3: Lisbon ☕

Lisbon hits different. Europe's second-oldest capital somehow manages to feel both ancient and alive, with its hilltop neighborhoods cascading down to the Tagus River. The tile-covered alleys of Alfama will have you stopping every five steps for photos, while the contemporary buzz keeps things fresh.

My top picks:

🚶‍♀️ Start with a FREE walking tour – I do this in every city I visit. You'll get the history, the layout, and those crucial local tips about where to actually eat (not the tourist traps).

🚋 Tram 28 – Hop on and let it rattle you through the historic districts. Pay on board, around €2.50. Yes, it's packed with tourists, but there's a reason for that.

Maritime Museum – Give yourself 2-3 hours here. Portugal's seafaring history is wild, and this place tells it well.

🏛️ Carmo Convent – The roofless ruins are hauntingly beautiful.

📚 Baixa district – Wander through and pop into Livraria Bertrand, the world's oldest bookstore. It still smells like old paper and possibilities.

🌅 Sunset viewpoints – Miradouro da Graça and Miradouro Senhora do Monte are where you want to be when the light turns golden.

🍴 Mercado da Ribeira – Food stalls galore when you need a quick bite.



The Pastéis de Nata situation 🥐

Look, you're going to eat approximately 47 of these custard tarts. Here's where to find the best ones:

  • Manteigaria
  • Fábrica de Nata
  • Pastelaria Santo António
  • Pastéis de Belém (the original from 1837 – yes, there will be a line)

Days 3-5: Sintra & Douro Valley 🏰🍷

Sintra is basically a fairy tale that wandered into Portugal and decided to stay. Castles everywhere you look.

Pro tip: Do NOT drive into the town center. Just don't. Park outside and walk in, or take the train from Lisbon as a day trip. If you must drive, grab a parking meter spot (download the parking app so you can add time remotely) and hoof it from there.

There are dozens of castles here. Take a FREE walking tour to see most from the outside, then pick your favorite 2-3 to explore inside. Pena Palace is the famous colorful one on the hill – you'll need to bus up from town to reach it.

🍰 Must-try: Stop at Periquita (on the corner in town center) for local pastries that'll ruin your diet plans.

Douro Valley 🌄

This is where Portugal gets serious about wine and scenery. Most people day-trip from Porto, but I'm begging you – stay overnight. The valley at sunset, with a glass of wine in hand? That's the moment you'll remember.

🏡 Where to stay: Book a vineyard like Quinta da Portela. We spent two nights here, and our host brought breakfast baskets to our villa each morning – fresh pastries, yogurt, eggs, coffee, homemade jams. After a private wine tasting on the terrace overlooking the vines, I never wanted to leave.


🍷
Wine tastings: We did two, both around €20 per person:

  • D'Origem – Started with an olive oil factory tour, ended with wine tasting on a deck with valley views that'll make your Instagram followers jealous
  • Second vineyard (closer to our quinta) – More commercial vibes but held in an atmospheric wine cellar at a gorgeous table

Also available: hiking, biking, and boat tours on the Douro River.

Days 5-7: Porto 🌉

Porto just works. The history, the architecture stacked on hillsides, the entire culture built around Port wine – it's got everything.

🚶 FREE walking tour alert – I love Guruwalk but there are lots of tours available. They focus on the old historic center, which is where Porto's soul lives. After the tour, head downhill to where the magic really happens.

The Riverfront 💙

Seven bridges span the Douro here, with water taxis zipping underneath. The views are absolutely breathtaking – you can walk for hours along the promenade, ducking into shops, grabbing petiscos (Portuguese tapas), and watching street performers.


🍷 Port cellars – All located across the river in Vila Nova de Gaia (thanks to old tax laws). Dozens to choose from, but we loved Ferreira, one of the oldest producers. The cave and cellar tour is fascinating, ending in a proper tasting room where we sampled ruby, white, and tawny ports. Tours run about €20 per person.

🏛️ Palácio da Bolsa – Get tickets (around €11) if you can. Even if you've seen your share of palaces, this one will drop your jaw. Trust me on this.

Days 8-10: Algarve 🏖️

Portugal's southern coast delivers on natural beauty, dramatic cliffs, and that perfect beach vacation energy.

Base yourself in Lagos so you're not packing and unpacking every day.

🚣 Benagil Caves – Absolutely unmissable. Choose between a boat tour or kayaking (heads up: the ocean can get choppy). The view from the water looking back at those golden cliffs is stunning. Plus, you'll hit a secret beach and explore a hidden tunnel.

Other options:


Want more personal help planning your next trip? Book a 1:1 consulting calldownload 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. 















Friday, December 5, 2025

Stack, Stack, Stack To Earn The Most Points And Miles


This is the best time of the year to earn so many extra points and miles! The secret is to
stack the offers when you are doing your holiday shopping online. A few things to keep in mind, you don't have to use the credit card that matches the shopping portal. For example, you can shop in the Southwest Shopping Portal, but pay with your Capital One credit card to get 2x points. Make sense?

 I'll give you several examples that I've actually done in the past week. 



Example #1 
Southwest Shopping Portal is offering 1,000 extra points if you spend $200 in the portal. That's easy, let's stock up on pet food. 



The Southwest shopping portal is also offering 2 points per $1 spent on purchases at Chewy. Awesome. Then we pay for our purchase with Paypal and our Chase FREEDOM FLEX credit card which nets us 5x points since this card has the 5x bonus rotating categories. 
So this one pet food purchase should earn:
  • 1,000 bonus Southwest points 
  • 400 Southwest points 
  • 1,000 Chase Ultimate Rewards 


Example #2
I was referred to Rakuten.com and bought flowers for a friend through 1-800flowers. I spent $65 on flowers, but got a FREE $50 for following the referral link plus 10% bonus cash back. Then I linked my Bilt account with my Rakuten account. Rakuten transferred more than 5,000 points into my Bilt account. You don't need a Bilt credit card, just create an account. Be sure your email is the same on both accounts. Woohoo! When I'm ready I can transfer the Bilt points to dozens of airlines or hotels like Air France, KLM, Southwest, Hyatt and more. On the first of the month, Bilt offers transfer bonuses too so I may be able to squeeze more value out of those points. 

So this flower purchase earned:
  • $50 referral cash 
  • 10% cash back 
  • 5,500 Bilt points that I can transfer the points to dozens of airlines or hotels

Example #3



I wanted to buy a new Iphone, Capital One Shopping was offering 10% back on Apple purchases and I could pay for the phone with Paypal and my Chase FREEDOM FLEX credit card for 5x Chase Ultimate Rewards points. 

So this phone purchase earned:

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting calldownload 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.