Chase Ink No Annual Fee Card Offers Big Bonus

 

Woohoo! Chase just upped the offer on its no annual fee business cash card to 90,000 bonus Chase Ultimate Reward points when you spend $6,000 in the first three months. 90,000 points are worth approximately $900, but can be worth much more if you combine them onto another card. 

This is a great offer IF you already have or can also apply for a Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Ink Business Preferred credit card. Why? Because the Ink Cash card does not allow you to take advantage of all the ways to use your Chase Ultimate Rewards on travel. 

But you can transfer your 90,000 points to another card that does offer the travel opportunities like the travel portal and transferring points to airlines and hotels. Make sense?

The Ink Business cash card also earns 5x points at office supply stores, streaming services, internet, cable and phone. 

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. 

How You Can Earn 5x Chase Ultimate Reward Points Using Paypal

 

Woohoo! I love when Paypal is one of the bonus categories! Chase announced the bonus categories for the Chase FREEDOM and FREEDOM FLEX cards for Q4. 

And Paypal made the list! It's awesome when Amazon makes the list, but apparently not this year. 

However, you can pay for almost everything using Paypal so it's time to rack up the points this holiday season. 

How You Can Earn 5x Chase Ultimate Reward Points Using Paypal

The Wholesale clubs category is a bit tricky. Gas does not count and Costco does not take Mastercard so it's a bit limiting. 

Chase FREEDOM FLEX is one of my favorite go to cards since there is no annual fee and you can rack up the points with the bonus categories. You can also get a $200 bonus for a $500 minimum spend. 

How You Can Earn 5x Chase Ultimate Reward Points Using Paypal

This is a great card to pair with a Chase Sapphire Preferred or Reserve or Ink Business Preferred 

Why? Because once you earn the points, you get more value out of them if you transfer them to the Preferred, Reserve or Ink card. You can read all about it here. 

You have to activate the bonus categories by December 14th and it is retroactive. 

Happy Shopping! 

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. 

An Easy Way To Get A Southwest Mini Companion Pass.....Fast!

 

The Southwest Companion Pass is one of the best perks in travel! It's BOGO travel for up to two years for you and a companion. To earn it, you need to collect 135,000 Southwest points in a single calendar year. You can click here to see how we do this. 

And starting in October, we will talk about how to earn the pass for 2024-25. 

But while you are waiting, if you are planning travel for early 2024. You might want to hop on this  MINI Southwest companion pass offer. 

I hopped on this offer back in 2021 to bridge the gap so to say. I got the chance to visit with a friend in Phoenix for the day and bam, earned the mini pass. I used the pass to fly to the east coast a few times in early 2022 before my real companion pass kicked in. 

If you decide to hop on this offer, follow the directions carefully. 

• You must register before you buy your flight. Flights you already booked do NOT count unless you register and rebook them. 
• You must buy your flight. You cannot use points. My recommendation is to find an inexpensive flight. 
• You must buy your flight by August 30th. 
• You must travel by September 30th 

Register for this promotion here. 

Cracking the Code to Redeem 100,000 Chase Ultimate Rewards Like a Pro!

 

Near Santiago, Chile

The Chase Ink Business Preferred credit card is offering a huge 100,000 Ultimate Rewards bonus right now, but the question is what can you do with all those points? What value do they hold for you and your travel goals?

Let's break down the different ways you can redeem 100,000 CUR points. 

I love CUR points because of their flexibility. You can:

• transfer them to dozens of different airline loyalty programs 
• transfer them to several hotel chains (Marriott, IHG, Hyatt) 
• use them to buy hotels, flights, activities and car rentals in the Chase Travel Portal 
• pay yourself back for groceries, gas and the annual fee
• get a statement credit 

100,000 points equals $1,000, however, if you use them in the Chase Travel Portal or to pay yourself back, you get 25% more value making them worth $1,250. And if you combine the points with your Chase Sapphire Reserve credit card, then they will be worth 50% more in the Chase Travel Portal for a whopping total of $1,500. 

Like this redemption in the Chase Travel Portal through my Chase Sapphire Reserve account, this Hilton in Moorea has rooms at $938 dollars or 62,554 CUR points. 

And if you transfer them to an airline or hotel, the points could be worth even more depending on the specific flight or the number of rewards needed per night.

Plus if you transfer points to IHG and buy three nights, you get a fourth FREE so that could be very lucrative. 

Hyatt hotels usually fall in the sweet spot of redemption value as well. 

The key is to identify your travel goals and then decide if CUR points will help you achieve it. Of course, this is also a business card so you will need at least a side hustle to qualify. You can click here to find out what types of businesses qualify. 

If they will and you can swing the hefty $8,000 minimum spend, then you will want to jump on this offer soon. We are hearing it will end September 23rd.  If this offer is for you, please consider using my referral link. 

 

Navigating Travel Delay Expense Claims

My flight from Boston to San Juan, Puerto Rico was cancelled due to strong storms this summer. Jet Blue had issued a weather waiver the day before so I was able to go on the app and switch to a flight the next day. But that meant I was spending the night in Boston. I booked a hotel with an airport shuttle and returned my rental car. After I returned home from the trip, I wondered if I could get reimbursed for this expense?

This summer, we have seen lots of travel delays. Some due to weather, others due to pilot shortages. Sometimes when your travel is delayed, you may need to get a hotel room, rental car or food. The question is how can you get reimbursed for these purchases?

Navigating Travel Delay Expense Claims

If your flight is delayed or cancelled due to maintenance issues then the airline should cover your expenses. But if the airline is not cooperating, then if you bought travel insurance, that would be the next step. 

But the other option is looking at the credit card benefits you bought the flights with. Several credit cards include travel delay, interruption, and cancellation benefits. My favorites are the Chase Sapphire Reserve and Preferred, Ink and the Capital One Venture X credit cards. Let's break it down and see what they each cover. 

• Chase Sapphire Preferred 
• Trip Cancellation/Interruption Insurance 
• Trip Delay Reimbursement 
• Travel Accident Insurance  
• Lost Luggage Reimbursement
• Baggage Delay Insurance 
• Travel and Emergency Assistance 
• Auto Rental Collision Damage Waiver 
• Roadside Dispatch 

• Chase Sapphire Reserve

• Trip Cancellation/Interruption Insurance 
• Trip Delay Reimbursement 
• Travel Accident Insurance 
• Lost Luggage Reimbursement
• Baggage Delay Insurance 
• Travel and Emergency Assistance 
• Auto Rental Collision Damage Waiver 
• Roadside Dispatch 
• Emergency Evacuation and Transportation 

• Chase Ink Business Preferred
• Auto Rental Collision Damage Waiver
• Trip Cancellation/Trip Interruption Insurance 
• Travel and Emergency Assistance 
• Roadside Dispatch 

• Capital One Venture X 
• Primary Car Rental Loss and Damage Insurance 
• Trip Cancellation 
• Trip Interruption 
• Trip Delay Reimbursement 
• Lost Luggage Reimbursement 
• Travel and Emergency Assistance including translation, luggage locator and more. 
• Travel Accident Insurance 

**This card doesn’t have baggage delay coverage, emergency medical and dental coverage, or emergency medical transport and evacuation insurance

Navigating Travel Delay Expense Claims

In my situation, since JetBlue cancelled my flight due to weather, the airline was not planning to reimburse me.  BUT I purchased the flights with my Capital One Venture X credit card in the Capital One Travel Portal so I decided to see if the trip delay/interruption insurance would apply. 

I opened a claim on this website and uploaded the requested documents. In about 5 days, I received an email asking for more documents. Several of the documents I had already uploaded, but I played along and uploaded them again. 

I asked for Capital One to cover the hotel room in Boston, the airport shuttle $10 each way, and the non refundable hotel room in San Juan that I never used. Grand total $406. 

After another 5 days, I got a phone call asking for another document. I uploaded that one and 5 days later, I got an email saying that Capital One would cover the hotel room in Boston and the airport shuttle, but not the room in San Juan. Grand total $209.73. 

On hindsight, I may have been better off if I had used my Chase Sapphire Reserve, but I also got reimbursed for the hotel and shuttle so I call that a win. 

What I learned from the process is to keep all your documentation so you can provide it and practice patience.