New Chase Sapphire Offers Are Announced And They Are Big!

 

Wow! Chase just announced three whopper deals on its Sapphire line of credit cards. We will detail these for you and help you decide if you should jump on any of these offers. We knew the Chase Sapphire Reserve credit card was undergoing a refresh and you can check the details here to see how you will be affected if you already hold the card. It's good! 

 

Now if you don't have a Chase Sapphire Credit Card yet or if you have the Chase Sapphire Preferred credit card, there are some awesome new benefits on this card too plus a 75,000 bonus offer. Not as good as the 100,000 bonus offer that ended in May, but better than the regular 60,000 point offer. 

The new Reserve business credit card has a crazy high minimum spend of $30,000, but if you can swing it, the 200,000 Chase Ultimate Rewards points bonus is outstanding. 

You can read here about why we love Chase Ultimate Reward points and their flexibility. 

Let's break down the offer on each card:

• Chase Sapphire Preferred - Bonus offer 75,000 points (valued at $750) with a $5,000 minimum spend in three months. This is our all time favorite travel credit card. Annual fee of $95 and it comes with a $50 hotel credit when you book through the travel portal. You earn 3x points on dining, 3x on online grocery, 2x on travel, 5x on travel booked in the Chase Travel Portal and 1x on everything else. It also comes with a $120 DoorDash credit and points boost when you book in the Chase Travel Portal. 
• Chase Sapphire Reserve - Bonus offer 100,000 points (valued at $1,000) with a $5,000 minimum spend in three months. This was our all time favorite premium travel credit card, but it now has an increased annual fee of $795. We still think it's a great deal, but you need to make certain that you will use the credits to make the high annual fee worth it. We detailed the credits and benefits of the new refreshed card here. 
• Chase Sapphire Reserve Business - Bonus offer 200,000 points with a $30,000 minimum spend in six months. This is a brand new card and if your business can swing the spend, it's a great deal for you. You can squeeze as much as $4,000 value out of those 200,000 points. Plus annual credits on the Chase Travel Portal, DoorDash, Zip Recruiter, Edit Hotels, Google Workspace, Lyft and more. 

Another big change is the 48 month rule. You now are only eligible for a bonus on a Chase Sapphire card once in a lifetime. Chase will alert you when you apply if you are eligible or not. Even though you can technically hold two Sapphire cards at the same time now, you will not be eligible for a bonus if you already hold one. If you have had a Sapphire credit card before, but no longer hold the card, you can apply for one you have never held before and get the bonus. It's similar to the Southwest credit card strategy with personal cards. Another option is to downgrade your Sapphire card to a non Sapphire and then apply for a Sapphire card you have never had before. 

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. 

Hidden Treasure: How One Client Discovered 275,000 Points She Never Knew She Had

A new client reached out the other day because she wanted to fly across the country to visit her cousins. She had 29,500 United miles, but the flight she was eyeing was charging 15,000 miles each way. Should I buy the extra 500 miles that I need for this trip? And would it be possible to fly premium or business class?

Since this was my first meeting with this client, we needed to find out if she had any other points or miles available. She booked a 1:1 consult through the website. The client said she had a Chase Sapphire Preferred credit card, but had never checked the points balance. 

Hidden Treasure: How One Client Discovered 275,000 Points She Never Knew She Had

She logged into her account and guess what? She found that she had 275,000 CUR points, wow! "How much are those worth?" she asked. Those points could be worth as little as $3,000 and as much as thousands more depending on how you spend them. 

Back to the United flight, premium economy was not available and business class would cost a whopping 117,000 points. Though the client had the points, she didn't want to spend so many of them on this flight. 

Another option would be to transfer 1,000 CUR points to United to top off the account and buy the economy flight for 30,000 points and $11.40 taxes. 

But first we checked the Chase Travel Portal. The same flight listed for 27,798 points. Woohoo! That's even less points than using United miles. 

Hidden Treasure: How One Client Discovered 275,000 Points She Never Knew She Had

Done! And she still has 247,000 CUR points to travel where ever she wants to go next and next and next. 

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. 

What To Do When You Get Pending On Your Credit Card Application

 

You press the submit button for the Southwest credit card application and the wheel starts spinning and then you get the dreaded "pending review" message. Argh. 

The next message says you will receive a letter in 7-10 days regarding your application decision. Argh

What To Do When You Get Pending On Your Credit Card Application 

So now what? Lately, several of my clients have received these messages and then just this week, I got them too. Argh. 

But don't give up. Here's what you need to do. There are a few reasons why your credit card application may end up in review. 

1. Too much credit 

2. Not enough income 

3. 5/24 or too many credit cards opened 

Reason #1 - the easiest to reconcile. If you call the reconsideration line for the Chase Southwest credit card 888 270 2127 and 800 278 8830, the representatives will usually advise you to move credit lines around or close a few cards. 

Reason #2 - you can use both your salary, your partner's salary and your business income so let the representative know that you have more income you can add to  your application. 

Reason #3 - offer to close some credit cards. Never close your oldest card, but maybe some no annual fee cards that you just never got around to closing. 

Then the representative will resubmit your application and you wait again. 

What To Do When You Get Pending On Your Credit Card Application 

Right now, you can get 50,000 - 80,000 Southwest points for opening a personal or business credit card. You can only hold one personal Southwest credit card at a time, but you can actually hold both business cards. 

You can read here about the easiest way to earn the Southwest Companion Pass which is BOGO flights for up to two years. It's the best travel perk around and the way things are going with changes to Southwest, it may not be around forever. 

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

 

Chase Ink 90,000 Bonus Ends Thursday

 

This amazing offer ends on November 7th at 6am pst. If you haven't applied for this one yet, you should really consider it. 

90,000 Chase Ultimate Rewards points are worth $900, but could be worth even more if you already hold a Chase Sapphire Preferred or Reserve credit card because you can use them in the travel portal and/or transfer them to dozens of airlines and several hotel chains.  

This offer is:

• 90,000 bonus points 
• no annual fee for this card 
• $6,000 minimum spend

The Ink Business Unlimited is a business card, but Chase is very lenient on the definition of a business.  Types of businesses that qualify include dog walker, selling items on Ebay or Etsy or rental property.

This offer ends Thursday so don't wait and if you do apply, please consider using my referral link. 

What Is A Transfer Bonus And How Can It Mean Big Savings For You

 

One of the top reasons, we love Chase Ultimate Rewards points is because they are so flexible. You can use them in the travel portal to buy flights, hotels, car rentals and even cruises. You can also transfer them to dozens of different airlines and several hotel chains. 

And sometimes, Chase offers bonus points when you transfer your Chase Ultimate Reward points to specific partners. You can get as many as 100% bonus points. When the bonus offer coincides with a fare sale, then wow! 

Like right now, Virgin Atlantic and FlyingBlue are doing a fare sale and Chase is offering a 40% bonus to Virgin. 

What does this mean? Take a look at some of these fares being offered by Virgin. 

• Heathrow to LAX for just 9,000 Virgin points. 

If you were to take advantage of the transfer bonus, just 7,000 Chase Ultimate Rewards points would equal approximately 9,000- 10,000 Virgin Atlantic points. Wow! You could transfer a few more points and fly Premium or Upper Class.

To transfer Chase points:

• Login to your Chase.com account
• Click on redeem points 
• Hover over travel and click on transfer to travel partners
• Click on the partner you want to transfer points TO
• Enter your membership information
• Your name must match exactly! 
• Enter the number of points you want to transfer (must be in increments of 1,000)
• Confirm
• The transfer should happen almost immediately

Word of advice, do NOT transfer points until you know how you are going to use the points. You CANNOT get them back. 

Chase transfer partners are a great way to make that bucket list trip affordable.

One of our favorite Chase Ink Business cards, the Business Unlimited, has a points promotion ending on November 7th. The minimum spend is $6,000, there is no annual fee and the bonus is 90,000 points which equals $900, but if you hold a Chase Sapphire Reserve or Preferred card, you can squeeze more value out of this one. The Chase Sapphire Preferred is also offering a bonus $300 travel credit right now which is an amazing offer. 

If you would like help planning your bucket list trip, reach out to me. I'll help you use points and miles to make your memorable trip affordable. 

You Got Capital One Lounge Access, Now What?

 

Enjoying an alberol spritz in the Capital One Lounge in Denver! So even though my flight was delayed, I was able to charge my phone, do some work, enjoy a drink or two and a nice meal. 

Lounge access comes with my Capital One Venture X credit card. In fact, I added my three children as authorized users which is FREE and they get lounge access too. Well worth, the $395 annual fee. 

But while I was waiting in line, I heard so many people confused about how lounge access works and how much it costs. 

So let's try to sort this out. 

You Got The Capital One Venture X Lounge Access, Now What?

For simplicity, I am going to focus on the Capital One Lounges (currently in Washington DC Dulles, Denver, Dallas and coming soon to Las Vegas) and the Priority Pass (a network of 1,600 lounges worldwide). I know there are other lounges out there for business class and various airlines, but we are just going to focus on these. 

First question, how do you get lounge access:

• Capital One Lounge - Capital One Venture X credit card holders get unlimited lounge access for Capital One Lounges. They can also bring two guests with them. Capital One Venture credit card holders get 2 lounge passes per year. 
• Priority Pass Lounge - Capital One Venture X credit card holders get membership included as a benefit for the card holder and authorized users. Chase Sapphire Reserve credit card holders get membership for the card holder only. Amex Platinum and Business Platinum cards holders also get membership included. Chase Sapphire Reserve, Amex and Capital One Venture X card holders can bring two guests. 

The Chase Sapphire Reserve credit card used to include a restaurant benefit as well which was awesome, but it dropped that benefit in July 2024. 

You Got The Capital One Venture X Lounge Access, Now What?

Once you activate your membership online to the Priority Pass, you will get a card in the mail and a digital card that you show at the lounge entrance along with your boarding pass. You can download the app and find lounges worldwide. 

You can only visit the lounge while you are waiting for a flight departure and not  upon arrival unless you are connecting to another flight. 

For the Capital One Lounges, you show your boarding pass and your Capital One credit card. Since there are only three lounges currently, they are packed and often have a waitlist. 

It's a good idea to get on the wait list, but it's a bit tricky to find in the app. 

You Got The Capital One Venture X Lounge Access, Now What?

• Login to your Capital One account
• Click on Explore rewards and benefits
• Click on Lounges in the upper right corner
• Click on the lounge
• You will see the current capacity and then a button to join the waitlist 
• Once you do that, you will get a text when it is your turn to enter 
• You have 10 minutes to show up or you will lose your turn and have to join the waitlist again

Both the Capital One Venture X and Venture card come with a 75,000 bonus for a $4,000 minimum spend. The Venture X carries a $395 annual fee, but you get a $300 travel credit, $120 Global Entry credit, Priority Pass membership and Capital One lounge access for the card holder and up to 4 authorized users for FREE. The Venture card only carries a $95 annual fee and comes with 2 lounge passes each year. 

The Chase Sapphire Reserve carries a hefty $550 annual fee, comes with a $300 travel credit, $120 Global Entry credit, Priority Pass lounge access and 1.5 to 1 value for Chase Ultimate Rewards points in the travel portal. 

Both Capital One and Chase Ultimate Reward points are considered flex points and can be transferred to dozens of airlines and hotels. 

If this sounds interesting to you, I recommend going through my points and miles course which includes a 1:1 strategy session with me, a custom tracker and ongoing group coaching. Let's get you traveling for almost FREE and making those priceless memories! 

🌟 Brand Loyalty: Friend or Foe?

 

We've all been there – falling head over heels for a particular travel brand. Maybe you're always flying with United, or you can't resist a Marriott stay. But is this unwavering loyalty serving you well? Let's break it down and see how flexible points can be a game-changer for family travel.

✈️ Flight Comparison: LAX to Tokyo

Imagine you're planning a family trip to Japan. As a United loyalist, you check their rates first:

• United Airlines: 110,000 miles round trip
• American Airlines: 70,000 miles round trip

That's a whopping 40,000-mile difference per person! For a family of five, that's a 200,000-mile saving. Talk about a loyalty tax!

🏨 Hotel Showdown in Tokyo

Now, let's look at accommodation options:

• Hyatt Regency Tokyo: 15,000 Hyatt points per night
• Moxy Tokyo (Marriott): 33,000 points per night (with 5th night free)

Both are great options, but what if you're locked into one brand? You might miss out on the best deal for your family.

💳 The Power of Flexible Points

This is where flexible points shine! With programs like Chase Ultimate Rewards, AMEX Membership Rewards, Capital One Miles, or Citi ThankYou Points, you can:

• Shop around for the best deals
• Transfer points to various airlines and hotels
• Use travel portals for bookings
• Erase travel purchases with points

Flexible points give you the freedom to choose the best value for your family's needs.

🌟 Brand Loyalty: Friend or Foe?

Right now, I am recommending two credit cards for most of my clients:

1. Chase Sapphire Preferred - 60,000 bonus points plus $300 travel credit for a $4,000 minimum spend and a $95 annual fee. This card also comes with a $50 hotel credit  You can only hold ONE Sapphire credit card and you are only eligible for the bonus every 48 months. 

2.  Chase Ink Business Unlimited - $900 cash (it's really 90,000 points), $0 annual fee, $6,000 minimum spend. Be sure to apply for the Business Unlimited.  Popup will redirect you to the offer. 

If you would like help planning your next adventure or using points and miles to take a bucket list vacation, check out our website for travel advising and our new Travel Coaching Program. We would love to help you and your family make memories! 

#FlexiblePoints #FamilyTravel #TravelHacks #PointsAndMiles #AlmostFreeTravel

Step #1 Towards Earning Your Southwest Companion Pass For 2025-26

 

It's the countdown towards earning the Southwest Companion Pass for 2025-26, yep, almost two full years. And I have challenged myself to help 25 people earn the pass. If you are ready, sign up here!  There is no cost to you, my coaching is totally FREE. 

Just in case you don't know what the pass is all about, here's a quick summary: 

• The Southwest Companion Pass is a BOGO flight pass for any flight, anywhere, anytime for you and one companion. No blackout dates, no restrictions. 

For comparison, Alaska Airlines offers its famous $99 companion pass which is good for one flight per year. 

American Airlines, British Airways, Aer Lingus and Delta Airlines offer a slightly different variation on the companion pass, but again it's just valid for one flight per year and costs up to $99. 

• Southwest is the ONLY airline that offers a companion pass for unlimited flights for up to two full years, it's an incredible deal. 

I have had the pass for 8 years and I estimate it has saved me thousands of dollars. I have used it to fly to Cuba, Costa Rica, Washington DC, New York, Puerto Rico, Florida, North Carolina, Washington State, Nashville, Chicago and so much more. 

• Southwest allows you to change your companion three times per calendar year. And your companion can be a partner, child, friend, family member or anyone else you would like to bring with you. 

So whether you have had the pass before or you are planning to earn it for the first time, let's talk about what we need to do now to get ready. You can also sign up to be one of the 25 people I am going to help for FREE to earn the pass. 

Step #1 Towards Earning Your Southwest Companion Pass For 2025-26

In very simple terms, in order to get the pass, we need to earn 135,000 Southwest points in a single calendar year. Once you earn the points, the companion pass will show up in your Southwest account and you can start using it immediately. The pass is good for the calendar year you earn it and the following year. Which means that if you earn the pass in January 2025, it is good for the rest of 2025 and 2026. 

That's the reason why we try to earn the pass as early in the year as possible. 

But if you are earning the pass for a second or third time or if you have received a Southwest credit card bonus before, you need to check a few things before you get started. 

1. IMPORTANT - Check the date that you last earned a Southwest point bonus. You can do that by logging into your Southwest account and checking your reward activity. You can see when I check my account, I earned a business card bonus in January 2023 and a personal card bonus in February 2023.  You can't apply for a new card until after those dates. So in my case, I cannot apply for another a Southwest Performance Business credit card until January 12th 2025 and I can't apply for another Southwest personal credit card until February 9th 2025.    

2. You earn 10,000 points on January 1st if you hold a Southwest Credit Card. These points are not valid for flights, but do count towards the companion pass. 

3. You can only hold ONE personal Southwest credit card at a time and you need to allow 30 days between closing the card you have and applying for another one. So now would be the right time to close your personal Southwest credit card if you plan to apply for another one in November. You can hold more than one Southwest Business credit card at a time so that's not an issue. 

4. Check your 5/24 status. Chase will only approve you for 5 credit cards every 24 months so confirm that you will eligible for a Southwest personal credit card. The business cards do not count towards 5/24. 

Step #1 Towards Earning Your Southwest Companion Pass For 2025-26

Make sure you do these steps so you are ready to hit the ground running in November to earn that pass. If you would like FREE coaching help, sign up to be one of the 25 people I am going to help earn the companion pass. 

Dreaming About A Trip To Italy? Check This Out

Are you dreaming about a trip to Italy for next summer? I just helped clients Mackenzie and Michael plan a dream honeymoon in Italy for almost FREE. Yep! That's right. 

As soon as they return, they will share the details about how they used points and miles to pay for this trip in our monthly group coaching meet. Yay! 

Perhaps you are next! Dreaming About A Trip To Italy? Check This Out

The September cohort of the Travel Coaching Program is launching soon! There are only 10 spots available so don't wait to check it out and get started. We will be having two challenges coming up this fall as well, details coming soon! 

Right now, though, there are two bonus offers that are ending soon that played a part in Mackenzie and Michael's strategy. 

• Capital One Venture card offering a bonus $250 travel credit right now and 75,000 bonus points, all for just $95 annual fee and $4,000 minimum spend. 
• Chase Ink Business Preferred offering 100,000 bonus points. $95 annual fee with an $8,000 minimum spend. Offer ends Sept 3rd

If you aren't sure which card is right for you or how you will use the points, join my Travel Coaching program September cohort and I'll help you come up with a personal strategy to reach your travel goals. 

Two NEW Great Bonus Offers $1,000 FREE Travel

 

Just got back from Tahiti and all I can say is Wow! I'll share more on how to enjoy Tahiti using points and miles. This trip would have cost my family of 5 more than $20,000, but we spent three weeks in the islands for just $5,000. I saved approximately $15,000 on this bucket list trip. 

There are two great offers out right now that I need to share with you because these two cards are key to my success using points and miles to take my family on amazing adventures. 

Two NEW Great Bonus Offers $1,000 FREE Travel 

• Capital One Venture - 75,000 bonus points with a $4,000 minimum spend and $95 annual fee. Right now, you can get an additional $250 travel credit for use in the Capital One Travel Portal. So this offer is now worth $1,000 at the very least. 
• Chase Ink Business Preferred - 120,000 bonus points for $8,000 minimum spend and $95 annual fee. This bonus offer is worth at least $1,200 and maybe more if you use our trick. This offer ends September 3rd. 

Which is better for me?

Chase Ultimate Reward points and Capital One points are both considered flexible points which means you can use them on dozens of different airlines and several hotels. You can read about why I love flexible points here. 

But which one is better for you? That is a great question and the answer is that it depends on various factors including your travel goals, who and where you plan to travel, when you plan to travel and how you plan to travel. 

If you want support in making the best decision, join my Travel Coaching Program, the new cohort will start in September. There are only 10 spots so don't wait to enroll. Hope you will join us! 

How You Can Use Capital One Points To Erase Travel Purchases

 

Oh yes, the island of Moorea in French Polynesia is the picture of that perfect vacation. And what makes it even better is when you pay with points and it's almost FREE. 

If you would pay cash for this vacation, it would really put a dent in your wallet. 

Hopefully you have been following along as I walk through using points and miles for our family of 5 to spend a few weeks in French Polynesia. 

How You Can Use Capital One Points To Erase Travel Purchases 

First we secured flights for FREE for all five of us, then we secured the over the water bungalow and garden room. Next, we worked on the airbnb.com and tours. 

Now, we paid for the rental car using points. 

And this time, I used one of my favorite tricks. The travel eraser by Capital One. 

Some will say this is not the best use of your points since it really is a statement credit. But I believe that the value of points and miles is in the eye of the beholder and if I can get a $1,300 charge for the rental car down to $0, then it's worth it to me. 

How You Can Use Capital One Points To Erase Travel Purchases 

And the best part is that I never even paid for this purchase. Keep reading and I'll show you this trick. 

So we are assuming that you have already earned the bonus on the Capital One Venture or Venture X or Venture X Business cards and the points are in your account. You can access them by logging into your Capitalone.com online account and clicking on view rewards. 

If you scroll down, you will see "cover travel purchases." If you click there, you will see your travel purchases for the past 90 days that are eligible to be erased. It is a 1:1 value. 

You can choose to erase the entire purchase or just a portion. It can take a few days for the credit to post to your statement. If you can time the credit after the purchase and before the statement closes, you actually never pay for the purchase at all.

How You Can Use Capital One Points To Erase Travel Purchases 

If you look below, I made the purchase for the rental car on Feb. 2nd and then erased it on Feb. 4th and the credit posted on Feb. 6th. The statement closed on Feb. 8th with a balance minus the credit. 😊

Since I thought I would pay for the rental car closer to the actual trip, I had used some of my points to erase ferry tickets. But to get a $950 discount on the rental car, it's worth it. 

This is just one of the reasons why I love flex points like Capital One and Chase. 

If this interests you, but seems confusing, let me help you. Enroll in my travel coaching program. We will explore your travel goals, review your credit cards and make a plan. Then you can join our monthly live coaching sessions for more support. 

Is the Southwest Mini Companion Pass Offer a good deal?

 

Southwest launched its mini Companion Pass promotion today. The Southwest Companion Pass is one of the best travel perks around. It is a BOGO for any flight for up to two years. You can also change your companion three times per year. 

Is the Southwest Mini Companion Pass Offer a good deal?

I have had the Companion Pass for the past 8 years and it has saved me thousands of dollars. I used the Companion Pass to take my husband to Cuba, my children to the East Coast multiple times for events and college trips and graduation, Chicago, Florida, Mexico and more. 

This offer is to apply for any Southwest Personal credit card, spend $4,000 minimum with annual fee of $69-$149 depending on which card you choose and get 30,000 points and a companion pass good through February 28, 2025. 

Sounds pretty good, right?

Usually, you have to earn 135,000 Southwest points to get the Companion Pass, but it's good for up to two years. 

Is the Southwest Mini Companion Pass Offer a good deal?

This offer may be a good deal for some people, but here are a few things to think about before you hop on it:

1. You can only get a bonus on the personal Southwest credit card once every 24 months so if you get the personal card now, your Companion pass will expire in February 2025 and you won't be eligible for the personal card bonus again until February 2026. You can only hold one personal Southwest credit card at a time. 

But you can apply for both Southwest business cards and get both bonuses so if you have a small business and can meet the minimum spend, you could go with that plan in January 2025 and then have the Companion Pass through December 2026 plus lots of points.

2. Many times, the minimum spend on the personal Southwest credit card is just $1,000 with a bonus offer of 50,000 points or higher. So the minimum is lower and the bonus points offer is higher, BUT you need to get two credit cards to earn the companion pass. Not everyone can qualify for the Southwest Business credit card. 

3. You only get 30,000 points, of course, you can always transfer points from your Chase Ultimate Rewards if you need more. 

Of course, everyone's situation is different so that's why this offer may be perfect for you and not for someone else. If you are not sure if this offer fits your plan, join my Travel Coaching program and I'll help you figure it out. There are only 4 spots left in the Spring cohort so don't wait. 

If you decide to jump on this offer, please use my referral link. Thank you for your support!