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2019 Rewards in Review

bkerrick

January 1, 2020

Another Year Gone Now completing our third full year of credit card reward management, the hobby continues to be a lucrative one for us. As always, the tricks to success are as follows: Always pay your balance in full each month and never carry debt on your cards month to monthUse cards that provide the highest rewards on spending you do alreadyTake advantage of sign up bonuses and promotions throughout the year 7X Return on Investment By budgeting $206/month for travel, and using it to pay for the annual fees on our credit cards in 2019, our monthly vacation budget became worth seven-times that: $1,459/month. From an annual standpoint, we redeemed rewards valued at over $17,511 in 2019! AMEX Membership Rewards (above) are earned by the AMEX Platinum, Gold and Green car...

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The Revamped AMEX Green Card

bkerrick

November 1, 2019

On October 24, American Express finally announced their release of a revamped Green card. Easily among the most iconic cards in American Express’ history, the new card carries a refreshed look, new benefits, and is made from recycled plastic; a play on the “green” component of the card itself. This card complements the benefits offered by the Gold and Platinum cards, and offers an overlap benefit with the Gold card when it comes to dining for those that don’t need the groceries reward. The Green Card carries an annual fee of $150, but issues $200 in annual credits, $100 in additional annual credits in the first year, and a reward bonus between 30,000-45,000 membership reward points (worth $600-900 when considering the $0.02/point valuation) making it a no-brainer to try out for the ...

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London + Paris on Points!

bkerrick

September 1, 2019

Earlier this year, my wife asked me to keep an eye out for any opportunities for us to visit Europe in May 2020 to celebrate her milestone birthday. Accordingly, I tracked trends, and continued to save our points while I waited for a deal. Our primary cards are the American Express Platinum, Gold and Blue Business Plus which means when we earn 4-10% back on our purchases, we earn those rewards in the form of American Express points (valued by TPG at $0.02/each). One of the things I like about these points, is the Point Transfer travel partners that allow you to convert your American Express points into various brands such as hotel points with Hilton or Marriott; or to airline miles with over a dozen airlines including Delta, Flying Blue (Air France, KLM), Hawaiian, Emirates and more. ...

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Shopping with Points

bkerrick

August 1, 2019

Earning and collecting points with your credit cards can be a fruitful activity when done well. It may require a spreadsheet or two, but by being diligent and intentional with your method of payment, the money you are spending each year could earn you thousands of dollars worth of rewards! But when it comes to redeeming your points, you must be careful. All points cards offer a myriad of options for redemption, but just because you have options, doesn't mean you should use them. Take for instance the American Express Shopping portal. Your hard-earned points can be used to buy things on Amazon, purchase gift cards, pay your bill and more. But the only option that will help you earn the full potential of your points, is to transfer them to a travel partner. Just because you have op...

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The AMEX Power Couple

bkerrick

June 1, 2019

If you're like me, you have a credit card for each facet of your annual budget because the value is just too good to pass up. That said, for many of my accounts, the physical cards themselves have been locked in the safe for years since they are simply on record with my merchant of choice. That's because when it comes to what cards you carry with you in your wallet each day, it is important to keep it simple. So today, I'm here to tell you why two, yes two, premium credit cards may be the perfect arsenal for your daily spending: The AMEX Power Couple - Gold and Platinum cards. Costs Incurred Let's get this out of the way because it is the hardest to stomach. The annual fee on the Gold card is $250; the Platinum is $550. Yes, that's $800 in annual fees. But keep reading: There are th...

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Why Have the Alaska Card?

bkerrick

May 1, 2019

If you have taken a flight with Alaska Airlines recently, you have heard about the Alaska Airlines Signature Visa card from Bank of America. Flight attendants, who receive a commission if you apply on-board, will tell you about the exclusive and remarkable benefits available to cardholders, and their inflight entertainment systems even now include commercials advertising the card too. What is the Card? The card itself is one of the most basic on the market. The annual fee is $75.00/year, it earns 3x Alaska Miles on money spent with Alaska and one mile for everything else. Notably however, the card offers a Companion Fare benefit that permits you to add a second ticket to your Alaska reservation for just $121 (taxes and fees) once a year. Should I Use It Everywhere? No!! It ca...

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Why You’ll Love the New AMEX Gold Card

bkerrick

October 17, 2018

It's Goldddd! You may remember the recent history of luxury travel cards: A longtime American Express employee left the bank to work for Chase where they worked to develop a luxury travel card that millennials (not American Express' core customer group) could enjoy. Get 'em while they're young, and keep them forever! They developed the Chase Sapphire Reserve Card and (until now) have been the go-to card for dining and travel rewards. It took a couple years, but American Express is finally throwing its own punch with the reinvention of its Gold card (currently available in Rose Gold for a limited time only). What's Good About Gold? The Gold card pairs perfectly with the AMEX Platinum card which already offers 5X points on airfare and travel booked directly with AMEXTravel.com. The Gold card