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

Sunday, February 2, 2025

Lessons Learned From My 2024 Year End Summary

 


Even though it is already February, I wanted to share my 2024 year end summary. I recommend to all my clients to do a year in review to see what points they used,  how they used them and look for trends. 
This exercise will help you in planning your travel goals for the next year. 

During the January live group coaching session last month, we did this exercise as a group. One of my clients completed the task and said 

"Wow! I knew we saved a lot of money this year by using points, but until I did this exercise, I didn't realize how much." 

Amazing!

Lessons Learned From My 2024 Year End Summary 
 
I do the same exercise with my own points and miles journey because we are always learning. So when I look at the above summary, here are some things I notice:

Lessons Learned From My 2024 Year End Summary 

Reflecting on how I used points and miles this past year for travel:

What will I do differently or improve for 2025? I would like to keep better track of the benefits and FREE nights that come with my cards. I just realized that Lyft Pink membership comes with my Chase Sapphire Reserve credit card and would have saved me $150. I also ended the year with one FREE night at an IHG hotel that almost expired without being used. 






Thursday, October 17, 2024

🌟 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


Thursday, September 5, 2024

How You Can Get Your Next Tour or Airbnb For FREE

 


Some places that you travel to like Diamond Beach in Iceland do not have chain hotels that you can book on points like Marriott, Hyatt or Hilton. Or maybe like our family of five, hotels are not a good choice because you need two rooms or you will be forced to eat out for every meal. 

How You Can Get Your Tour or Airbnb For FREE

So how can you get your Airbnb, Bed and Breakfasts and tours for FREE if you can't use points?
The secret is in the Capital One Venture credit card.  Current bonus offer ends Sept. 9th so read carefully. 
The Capital One Venture and Venture X credit cards include a travel eraser and travel credit through the Capital One Travel Portal. 

 

Let's explain: 

1. Travel Eraser - When you log into your Capital One account and click view rewards, cover travel purchases, you will see a list of qualified purchases. Any purchase that codes as travel will qualify to be erased like Airbnb, tours, rental cars etc. You can erase the whole purchase or just part of it. You can even erase some of the purchase and then when you have more points, erase the rest. You have three months to erase the purchase so start with the oldest ones first. The value is 1:1 so some would argue you can get more value out of your points by transferring them to an airline, but I believe this is personal to your strategy and goals. For example, I erased the hotel charge for our 5th person in Tahiti. We already had our flights and over water bungalow covered so this was a random travel purchase we could get for FREE. Worth it! 



2. Travel Credit in the Portal - The Venture credit card comes with a $250 travel credit with the current bonus offer which ends Sept. 9th and the Venture X always comes with a $300 travel credit when you purchase hotels or flights through the Capital One Travel Portal. In order to use this credit, you must book your hotel or flight through the Capital One Travel Portal which works great for independent hotels and bed and breakfasts. In the booking process, the portal will ask if you want to use your travel credit to cover the purchase. You do not have to use the entire credit on a single purchase.  
 


Some people are hesitant to book travel through third parties like the Capital One Travel Portal, but I have found it to work quite well. Even when my flight was cancelled due to weather last summer, I was notified by both the airline and Capital One of the cancellation and how to reschedule. 

Ending Sept. 9th, Capital One Venture credit card is offering a $250 travel credit, $100 Global Entry credit and 75,000 bonus points when you sign up. There is a $4,000 minimum spend and a $95 annual fee. So with the travel credit, you are actually making money on this card approximately $1,000. You can only get this bonus once every 4 years. We do not know how long this offer is going to last so don't wait. 


The Capital One Venture X card is a good option if you want airport lounge access for you and your authorized users. The current offer is 75,000 bonus points for a $4,000 minimum spend and a $395 annual fee, but it includes a $300 travel credit. 

If you need some help figuring out if this card will help you reach your travel goals, join my Travel Coaching Program. The next cohort launches September 15th and it's my personal goal to help my clients collectively save more than $100,000 in 2025. 


Tuesday, February 27, 2024

A Secret Gateway To Affordable Globetrotting – Language School!


This past summer, I tried something different in my travel journey....attending a language school. Yep, call it a short study abroad program at the Isla Spanish Language school in San Juan, Puerto Rico.

Language Schools are a great way to deep dive into the culture and community of a country and they are super affordable. This was my second time attending one and I have already enrolled in a third.

 


Why San Juan? Well, the flight from the East Coast is short and cheap. Plus Puerto Rico intrigues me. It's a US territory, but its neighboring islands are independent countries. How did that happen? What is it like to be in a place that straddles both the US and the Caribbean? A place that is part of the US, but labeled a territory and not a state? Puerto Rico also has a huge problem with stray animals so I thought I might be able to lend a hand. You can read about that here. 

A Secret Gateway To Affordable Globetrotting – Language School!

San Juan is a US territory so you do not need a passport to visit just a drivers license to fly. Puerto Riquenos have US passports and are US Citizens, but residents of Puerto Rico cannot vote for the President of the United States and they have no representation in Congress. 

Isla Spanish Language School is located in the financial district of San Juan away from the tourist areas. The school conducts a placement interview before your arrival so they can put you in the appropriate class, beginner to advanced. The students were of all ages and included professionals, Spanish teachers, second generation Puerto Riquenos and ex pats. 

A Secret Gateway To Affordable Globetrotting – Language School!

At most schools, classes run 9am-12pm Monday through Friday with additional private classes offered in the afternoon. And the schools offer FREE cultural activities several times during the week. Cultural activities include dancing or cooking classes or excursions to a local site or art museum. 


Besides the classes, the schools offer a variety of affordable accommodations for approximately $330 per week including meals and laundry. There is a discount if you enroll for multiple weeks. You can choose from homestay with a local family, a dorm or private apartment. I opted to stay with a local family and it was lovely. Nayza is a widow and has been housing students for years creating an income stream for her. 


I had my own room with air conditioning and a shared bathroom. Nayza's home was within walking distance of the school. I had access to the kitchen and refrigerator, but not the stove. 

Reflecting on the experience, my language ability increased dramatically, but even more importantly, I felt like a local in San Juan and welcomed into the community. More like a traveler than a tourist. 

A Secret Gateway To Affordable Globetrotting – Language School!

Of course, we can make this experience even more affordable by using points and miles for the flights. Most language schools will not code as a travel so you cannot "erase" the purchase, however, I paid for the school with Paypal during the 5x bonus category with my Chase FREEDOM FLEX so at least I used the purchase to earn lots of points towards future travel. 

And while in San Juan, I booked tours of the rainforest, kayak in the biobay and snorkeled with the turtles and was able to "erase" all of these tours with points. 

If you would like help planning your next travel journey with points and miles, consider joining my travel coaching program. I would love to help you! 










Tuesday, February 20, 2024

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. 

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. 

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. 





Thursday, December 7, 2023

Point Triumph: Turning Capital One Rewards into a Mind-Blowing Free Tour!

 


While you are shopping for those holiday gifts, make each one count towards FREE travel. In my previous post, I shared my strategy planning for our trip to Tahiti next year. 
So far, I have the flights, the overwater bungalow and garden room, plus 3.5 days in the Airbnb for FREE. 
Though I earmarked the Capital One bonus points for the car rental, I still have more than 6 months to earn more points to erase that purchase. 
So when I saw an additional 10% off on the Lava Tube Canyoneering day tour we want to do while there, I jumped on it and then decided to go ahead and use Capital One points to erase it. 


Let's walk through that process so I can show you how valuable these points are. Some will argue you can get more value out of the points by transferring them to airlines or hotels, but my theory is like beauty, value is in the eye of the beholder. For me, erasing a $500 day tour is a good value. 
So how do you do it? First, you need to use your Capital One Venture X card to buy the tour or travel. Wait until the purchase is no longer pending and then you can click on "view rewards" and "cover purchases". 


The nice thing about Capital One is that you do not have to pay for the purchase to be able to erase it. In fact, you can erase the purchase before you pay for it. AND you can use the welcome bonus BEFORE you even pay the credit card balance that helped you earn the bonus. Quite a hack. 
It means you can use travel to earn the bonus and then erase the travel purchases with the bonus before you ever pay the bill. Crazy! 


When you click cover purchases, all of your travel purchases will come up. You have 90 days to erase them with points. You can erase the whole purchase or part of it, but in this case, I'll erase the entire tour purchase. 


It will take a few days for the purchase to drop off. You can keep ticking away at your travel purchases to get that almost FREE travel. 
For me, I will be using my Capital One Venture X card for all everyday purchases because it earns 2x points to earn enough points to erase the car rental. 

If you think the Capital One Venture X credit card should be part of your travel FREE strategy, please use my referral link. You will get an extra 15,000 bonus points for a total of 90,000 bonus points or $900 in FREE travel plus $300 travel credit, $100 Global Entry credit and Priority Pass Lounge Access. 

Now if this is confusing or scary or you just want some help deciding if this card is right for you and your travel goals, join my travel coaching program! I am launching the second cohort now and offering a Black Friday special of just $99. This is an incredible deal because it includes the video modules, the custom points and miles tracker, a 1:1 meeting with me and our monthly group coaching sessions for life. There are limited spaces available so don't wait! 






Sunday, November 26, 2023

Reminder on How to Travel Smart and Save Big This Cyber Week!

 



Just a reminder, be sure to check any tours, flights and hotels for Cyber and Travel Tuesday deals right now that may give you a discount or earn you bonus points and miles. These can be discounts on new reservations or existing ones that you modify. 

For example, I had been watching a Lavatube Tour for our trip to Tahiti next year. I checked and the company added a 10% off Cyber deal if you book now. 






So I went ahead and booked it even though it's early. Plus I paid for it with my Capital One Venture X credit card and plan to erase the entire purchase.  To learn how to erase travel purchases with your Capital One Venture X credit card, click here. 

Before you make any purchase, be sure to check cashbackmonitor.com for offers in shopping portals, Chase and Capital One offers to see if you can stack the purchase and save even more or earn bonus points and miles. 

That's how we do it here at almostFREEfamilytravel.com 

If you want support planning your next trip, join my new Travel Coaching Program, we are enrolling for cohort #2 right now. And right now, we are offering our own Cyber deal. It's just $99 for the entire program (video modules, custom tracker, 1:1 consult and live group coaching forever). I would love to help you travel for almost FREE. 


Sunday, November 12, 2023

Woohoo! Got The Capital One 90,000 Point Bonus

 Update, the 90,000 bonus is no longer being offered, but you can still get a 75,000 bonus using my referral link 


You might think it's strange that I'm celebrating that I spent $4,675 on my credit card! But look at the rewards, 98,563. Yep, I already got the 90,000 point bonus from Capital One Venture X and I haven't even paid the card yet. 

Here's a hack, Capital One gives you the bonus BEFORE you even pay off the credit card. Now we always pay the full balance every month when it is due. 
But here's an interesting hack, you can actually use the bonus to erase the purchases you made to reach the minimum spend. Are you following me?



Let's say that part of that $4,675 was a purchase of two airline flights. As soon as you see the bonus come through, you need to follow the steps to erase the travel purchase. If you can do it before your statement closes, you won't have to pay for the purchase. Instead you are using the bonus to pay for it. Pretty good hack. 

In this case, I will pay the balance and keep adding points so that I can erase my rental car in Tahiti. Woohoo! 

I like the Capital One Venture X credit card because you earn 2x points on all purchases, you get $100 Global Entry credit, you get Priority Pass lounge membership for you and your authorized users which you can add for FREE plus you can transfer the Capital One points to dozens of airlines, and a few hotels and you can use them in the Capital One portal and just use them to erase ANY travel purchase. Annual fee is $395, but you get a $300 travel credit in the portal. 


Now if this is confusing or scary or you just want some help deciding if this card is right for you and your travel goals, join my travel coaching program! I am launching the second cohort now and offering a Black Friday special of just $99. This is an incredible deal because it includes the video modules, the custom points and miles tracker, a 1:1 meeting with me and our monthly group coaching sessions for life. There are limited spaces available so don't wait! 


Tuesday, October 31, 2023

How I Booked Overwater Bungalows and Flights In Tahiti for $140


When I asked my children where they wanted to celebrate their graduations,
they decided on Tahiti. I was a bit surprised since my first thought was that’s where you honeymoon. But I was game. And they added, we would love to stay in those over the water bungalows. Makes sense!

So how do you get a family of 5 an almost FREE trip to Tahiti? It takes a lot of planning and time. I wanted to walk you through my process so you can see the strategy in action. 

And I need to mention that if you are looking for help planning your next trip, I just launched the second cohort of my Travel Coaching Program. There are still a few spots open. And right now, I am donating 15% of all the proceeds to the Israel Emergency Fund.

But I'll share my process here so if you want to do it on your own, you can. Because my goal is that everyone can travel for almost FREE and enjoy those priceless experiences.

I start with research:
  • Who flies to Tahiti
  • Which islands should we visit
  • What is there to do there
  • Do we need a car
  • Where will we stay
And of course, the most important question of all: which over the water bungalows do we want to stay in. 

After doing the research, I decided for this trip: 
  • We should fly American Airlines - 70,000-80,000 miles per round trip
  • We will visit Tahiti and Moorea - we can take a short ferry between these islands. 
  • We will need a car on both islands
  • Besides the OWB, seems to be most cost effective for our family of 5 to stay in Airbnb

Now this is the way, we travel, but you might make different choices for your family. Now the fun part, earning all the points. For this trip, we will need approximately: 

  • 400,000 American Airlines miles for 5 r/t tickets
  • 299,000 Chase Ultimate Reward points for 2 nights in an OWB bungalow and a garden room (we need two rooms for 5 people)
  • Capital One points to erase the Airbnb, rental cars and tours

It sounds like a lot, but let’s break it down:

So what did all of this get us:

  • 240,000 American Airlines miles netted 3 round trip flights
  • 128,000 Chase Ultimate Reward points netted 2 round trip flights
  • 299,000 Chase Ultimate Reward points netted 2 nights in the OWB and 2 nights in the garden room
  • 74,000 Capital One points netted 3.5 days in the Airbnb




So right now, I estimate the amount I saved using points and miles at approximately $11,000. Pretty good. I have spent $400 on annual fees and $340 on taxes, fees.

Between now and the actual trip, I will continue to earn Capital One points so I can erase the Airbnb, tours and rental cars.

And when I’m relaxing on the beach in Tahiti, I’ll enjoy it just a bit more because I didn’t spend an arm and a leg to have this dream vacation.

If this sounds amazing, but you are confused about where to start and how to get your next trip for almost FREE then join the second cohort in my Travel Coaching program. Sign up by November 1st. 





Tuesday, September 19, 2023

Capital One Venture X New 90,000 Point Bonus Offer

 


Capital One released this very quiet 90,000 bonus offer for the same $4,000 minimum spend. It was discovered by our friends at Doctor of Credit so who knows how long it will stick around. 

Capital One Venture X comes with a $300 annual travel credit plus $100 Global Entry credit and Capital One and Priority Pass Lounge access. You also get a 10,000 point bonus on your anniversary. All of this balances out the $395 annual fee. 

I like Capital One because the points are so flexible. You can transfer them to dozens of airlines and hotels plus you can use them to erase travel purchases and to buy travel in the portal. Though sometimes you need to be careful when booking through the portal. 

You earn 2 points per dollar on everything so it's a great everyday card. The 90,000 bonus offer is equal to $900 in travel. 

You are only eligible for a Capital One bonus every 48 months so if you have had this card before, be sure to check the date that you got the bonus. And if you or your partner have a Capital One Venture X card, it may make more sense to refer the other person to the regular offer to get the referral bonus which is worth 25,000 points. 


Tuesday, September 5, 2023

Yet Another Reason Why I LOVE Chase Ultimate Rewards

 


I've used Chase Ultimate Rewards to travel all over the world for FREE. The points came in very handy to erase Airbnb reservations (this promotion ended) and for flights when we visited the Perito Moreno glacier in Patagonia, Argentina. 

I love CUR rewards because they are so flexible. If you don't know where you want to stay or where you will be traveling, then these points are for you. That's because you can transfer them to dozens of different airlines and three hotel chains, Hyatt, IHG and Marriott. 
Sometimes the deal is even better transferring CUR than using the points in the travel portal and sometimes the portal is a better value. 

Yet Another Reason Why I LOVE Chase Ultimate Rewards 

Here is an example that happened just last week. 

I had my eye on the Hyatt in Evanston, Illinois, just outside of Chicago for an upcoming trip. 
The cash price was showing $350 per night, ouch! 

In the Chase Travel Portal, it was showing $320 per night or 48,005 points. I get 50% more value for my points in the portal because I have a Chase Sapphire Reserve credit card. The Chase Sapphire Preferred gets 25% more value in the portal.  



But when I checked the Hyatt website, standard rooms are just 12,000 points per night. 




Woohoo! That means by transferring CUR to Hyatt at 1:1 cuts the number of points needed in half and has a value of $740. Nice. 



It's simple to transfer CUR points to dozens of airlines and hotel chains. When you log into your Chase.com account and click on redeem points

Then click on the menu in the top left hand corner and choose transfer to travel partners. 


CUR points transfer immediately to Hyatt and you must transfer in 1,000 point increments. Sometimes Chase will offer a bonus when you transfer. 

You will need to create an account with the EXACT name on your Chase account BEFORE you attempt to transfer the CUR points. 

Once you submit, you cannot get the CUR points back so be certain this is what you want to do. 



When I transferred to Hyatt, the points showed up immediately in my new Hyatt account and I could book the hotel in Evanston. Amazing! 

Yet Another Reason Why I LOVE Chase Ultimate Rewards 

Right now, the Chase Ink Business Preferred credit card is offering a 100,000 CUR bonus with a $8,000 minimum spend. It's a hefty minimum spend, but usually it is set at $15,000 so you might say this minimum spend is a bargain. If you have a big expense coming up or can handle the minimum spend, this bonus can be worth thousands of dollars. 

We are hearing this bonus may end September 23rd. 



Thursday, July 27, 2023

How You Can Snorkel The Great Barrier Reef Using Points and Miles

 


Wow! The Great Barrier Reef is extraordinary. The blue water, the coral, the marine life is absolutely amazing. It is truly a bucket list experience. So the question is can you do this trip with points and miles? The answer is yes. 


The snorkel day trips out to the reef are EXPENSIVE! You can book the tours through our partner Viator.com. But how can you get the tour for FREE? or can you? Yes, you can using the Capital One Venture X travel erase tool or you can use the purchase to reach a minimum spend for future travel. 

  • You can use the Capital One Venture X credit card to pay for this tour. Then erase a portion of it with the Capital One points and travel credit. Plus activate the discount offer when you book through Viator.com
  • You can also use the purchase to reach the minimum spend on the credit card you are working on. I used it to reach the minimum needed to earn the Southwest Companion Pass. 
How You Can Snorkel The Great Barrier Reef Using Points and Miles 

So yes, I paid for the trip, but I used the purchase to earn FREE flights for the next two years. 


The tours to the reef leave from Cairns and Port Douglas. You can fly on the budget airlines JetStar or you can use American Airlines miles on Qantas. Both great options. We flew on JetStar due to limited award availability on Qantas. I paid for the flights with my Capital One Venture X card and erased the purchase with points. So it was FREE. 


The unique luggage carousel at the Cairns Airport. So cute! By the way, we flew Qantas from Cairns to Darwin, Australia for a mere 10,000 American Airlines miles per person. So that's a good option for travel within Australia. And Australia is huge!

How You Can Snorkel The Great Barrier Reef Using Points and Miles 

It is actually as big as the United States so you will be flying. Something to consider is the Barclays Aviator Red Mastercard which is offering a bonus of 50,000 American Airlines miles with just one purchase and a $99 annual fee. 


This was the view from the balcony at the Doubletree Cairns. The hotel was offering standard rooms for 40,000 Hilton Honors points per night. If you have Gold or Diamond status with Hilton, then the room comes with FREE breakfast at the buffet. 



The buffet includes breakfast pastries, granola, yogurt, salads, meats, cheese and much more. The hotel is located right on the main road and just minutes away from harbor. You can earn 150,000 Hilton Honors points right now by opening the Hilton Honors American Express Business card. You can read all about it here. 

That's how we do it here at almostFREEfamilytravel.