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Chase Sapphire Reserve Announces Changes

In January, Chase announced the first-ever changes to its Sapphire Reserve (CSR) card since it premiered a few years ago. The CSR is the most competitive alternative to American Express' premium cards offering similar benefits for travelers who seek a mix between luxury travel and dining perks. The Original Benefits The Chase Sapphire Reserve card generally offers: $300 in travel reimbursement (airlines, hotels, etc.)6% back on dining and travelPriority Pass Membership (airport lounges)Primary Rental Car Insurance (the only card that offers this) This, in exchange for a $450 annual fee. I've told you before that the only reason we carry this card is for the rental car insurance which (at a rate of $12.50/month after credits), is a policy I'm happy to pay for. The Added Bene...

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The Revamped AMEX Green Card

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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JSX Review: The Private Jet Experience

You only live once, and sometimes you have to cross an item off of your bucket list. That's why last month, I flew on a private jet to Las Vegas for the weekend. JSX is a revolutionary product in the air-travel market offering a "private jet" experience for 30 customers at a time. With service between a dozen cities including Seattle, Oakland, Las Vegas and Phoenix, you can take your next flight without setting foot in a major airport. https://www.youtube.com/watch?time_continue=58&v=fAwxRsZbJas JSX's Promotional Advertisement The Perks The benefits of a private jet experience over a major carrier may seem obvious, but here's how JSX will summarize them: Comfortable leather seatsBusiness class legroomPower outlets at every rowFull flight attendant serviceComplimentary ...

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London + Paris on Points!

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

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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AMEX PlatinumBoA Alaska Air VisaChase Hyatt VisaChase Sapphire ReserveCredit CardsDiningGasSupermarketsTravelUpgrades

2018 Rewards in Review

Another Year Gone 2018 was a wild year for us with big changes including the relocation of my wife who is now working in Nashville completing a postdoctoral appointment while I have remained in Seattle. As a result of our anticipated increase in travel, we increased our monthly spending for annual fees this year to an average monthly budget of $187. With that, we not only supported a bicoastal living arrangement but even fit in some personal vacations as well, all thanks to our reward points. As in previous years, I meticulously tracked every dollar in and out with regard to credit card annual fees and reward redemptions in 2018 and I'm pleased to say we more than quintupled our budget by using the appropriate mix of cards and redemptions over the last twelve months. 5X Return on Investme

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Why I’m Using the Hilton Aspire Card

Recently, Hilton increased all of their signup bonuses for their American Express cards including the Aspire Card; the high-end version of the branded card. This piqued my interest and caused me to consider the card's addition to my wallet in 2019. The new sign up bonus of 150,000 Hilton Honors points seemed to make it worth my while alone. In reviewing the details of the card, I ended up applying for the card that same day. As is typical for American Express, the card was express-shipped to me and I received it just two days later via UPS. The Aspire card carries a $450 annual fee without any trial period; however the signup bonus is valued at $1,200 which more than pays for the card in its first year. Here's what else the card will do for you, and why you may decide to renew it in futur...

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Finding Your Next Card

Commitment While I'm no loyalist, I do value commitment in all phases of my life including credit cards. That's because a percentage of your credit score is the average length of your accounts. If you have two cards, one you've had for ten years and the other brand new, your average length of your accounts is five years. If you cancel the card you've had for ten years, you now have a nonexistent average. On the flip side, if you retain the card(s) you've had longest (assuming they have no annual fees or you're still claiming the value from the fees), your score can afford to adopt some new plastic or metal friends into your wallet. Know Yourself and Spot the Fakes Where do you spend your money? For me, it's dining and travel. Nearly 100% of my discretionary income goes to one of those two

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Platinum or CSR? Why You May Choose Both.

Choices The American Express Platinum and the Chase Sapphire Reserve: These two cards are the power couple of the premium credit card world. Deciding which one is right for you can be tricky; so why not choose both? I'm Not Crazy While applying for not one, but two premium metal credit cards with a combined $1,000 annual fee may seem absurd to you, I'm here to provide you with the alternate narrative and tell you why we've decided to hold both cards in our wallet in 2018. Read on, and I will explain how $25/month will unlock a plethora of travel benefits for you and your loved ones this year. Sign Up Bonuses With the sign up bonuses offered by both cards, the rewards more than compensate you for the annual fees you incur in that first year. At the laziest redemption level, using points to...

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2017 Rewards in Review

Annual Fees In 2017, we spent almost $800 on annual fees for five credit cards. That number may seem staggering, but we used the rewards associated with those cards to redeem nearly $6,000 in travel! Often times, cards that carry an annual fee also carry several benefits that, when used appropriately, can make for quite the lucrative hobby. By budgeting $66.50/month for travel (used entirely on annual fees), our monthly vacation budget became worth $497.48/month thanks to the reward redemption and associated benefits.   Return on Investment We tracked every dollar spent and earned through this process using Mint, and as you will see from the charts, we netted $5,171.78 in 2017. The largest return was from our AMEX Platinum Card which originated a whopping 36 redemption this year; but th...

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