A Tahitian Paradise

Hello Dear Readers!

So, I’ve come to admit that I…*may*…have a bit of a traveling addiction. One of my first posts on this website detailed my schedule for the upcoming year, and back in January I thought my schedule was jam-packed.

Well…I’ve since added a few new trips, the most recent of which is a five night stay in Tahiti. You may wonder why/where I get my ideas for travel, and honestly it’s an amalgamation of flight sales that I find, good opportunities for reward points redemptions, and sometimes even just places I want to go.

So how did I come to the idea of Tahiti? Well, I’ve mentioned before that American Express has offers that it passes out, some of which come in the form of a statement credit, some in the form of bonus points, etc. A couple months ago, they came out with an offer that gave you 20,000 membership reward points if you spent $1,000 on Air France. I’ve gotten a similar offer to this before (Spend $1,000 on Japan Airlines for 20k bonus points), and I’d been sitting on this offer for a while. I actually received it on a few different cards, but I obviously don’t have multiple thousands of dollars to be throwing around.

Anyway, it was the final day for the offer, and I’d been chewing on some different ways I could use it. Scrolling through Air France’s website, however, I saw that they had a monthly special on direct flights from Los Angeles to Tahiti for a cool $1000 round-trip. So, redeeming this offer, I bought the ticket and received 25,000 total membership rewards points (including the bonus categories rewards for purchasing airfare), which equals- at the minimum- $500 worth of airfare on American Express. I can also transfer it to other partners in order to get better value for my points, but I usually prefer to keep things simple.

Having booked my flights, I needed to find a place to stay. In case you didn’t know this, Tahiti happens to be…fairly expensive. However, there are quite a few different hotels out there, so I had plenty of options.

Hotels

Hilton Moorea

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You all know that I’m very partial to Hilton hotels, (It’s the status, really) so the first place I looked was at the Hilton website. Well…it’s not cheap. The Hilton Moorea is currently going for $1500 for a two night stay:

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However, there are often times when the Chase Ultimate Rewards portal will offer you lower rates on the hotel than the hotel website itself. Such was the case of the Hilton Moorea, where after much searching I found the same 1000sq ft bungalow pictured above on Hilton’s website for a mere $677 for two nights. ($772 after taxes) That’s a savings of 54% off the original price. (This works much the same way as Priceline, in that you get a discounted room rate by booking through a third party.) Even better, however, is that Chase allows you to redeem Ultimate Reward points at a value of 1.5 cents each if you have the Chase Sapphire Reserve card, meaning that the two nights only ended up being 52,000 points total.

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For reference, the total amount of points required to redeem on Hilton’s website is 396,000.

Since the Hilton was such a splurge, I didn’t want to stay more than the two nights. Thus, I needed three more somewhere else, but where?

Intercontinental Moorea

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The next hotel I looked at was the Intercontinental Moorea. Again, there are tons of hotels in the area, but this one had the benefit of being amazing and also near to the Hilton, so my transportation between the two wouldn’t be a problem. Paid rates for a room here for three nights equal out to about $1000:

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However, back in January, I got the IHG credit card by Chase. Its sign-up bonus is 60k points after 1k spend in the first 90 days, and after my spend was done, I had a total of 70k points sitting in my account. The Intercontinental Moorea is redeemable for a total of 40,000 points a night, or you can use a combination of points + cash in order to redeem a stay. IHG works differently than other hotel chains with its cash + points offers, in that it has you “buy” points at a reduced rate and then make a full award redemption, as you can see below:

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The combination I chose was points + cash, in which I spent 80,000 points and $200 in cash for all three nights. Since I was 10,000 points shy of the 80,000 I needed, I transferred over points from my Chase Sapphire Reserve card to cover the difference. And then I booked my room! So, all told, I’ll be staying a total of five nights in Tahiti, at some really awesome hotels. My costs are as follows:

Costs
Flight: $1,038
Hotels: $200
-Total Cost: $1,238

In return, I am earning 25,000 American Express rewards points, which equal out to at least $500 worth of airfare. In addition, I’ll be earning thousands of Flying Blue miles on Air France, which I’ll put to use when I move to Scotland later this year.

Were I to pay completely out of pocket, my total would be this:

Costs
Flight: $1,038
Hotels: $2499 ($1511 for the Hilton, and $988 for the Intercontinental)
-Total Cost: $3,537

That’s 65% off! I’m pretty excited, as I’ve heard amazing things about both of these hotels.

Also, have you guys looked at the map of Tahiti?

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Looks remote enough for me!

-Carissa “Basically living on a beach” Ragland

The Suite Life

Hello Dear Readers!

I have lots more trip things to tell you about, but today I have something awesome to share with you. Remember how I’m always talking about getting status (whether airline or hotel), and how much it can benefit you?

Weeeeell yesterday I checked (back) into the Hilton Dead Sea, to find out that they had upgraded me to their best available room!

I had booked the cheapest rate available for $184/night, using my Citi Prestige card to get the 4th night free. After taxes and all, my total came to $871.53, of which $197.39 Citi refunded back to me. Thus, my total for a 4 night stay was $674.15. A quick look at the rate for a 4 night stay here in this room shows a total of $1784.99.

Yes, they gave me an $1100 upgrade. Simply because I had status with the chain. I’m over the moon about it! And not to sound like a broken record here, but I also get free breakfast, early check-in, late check-out, extra bonus points just for being me, and this totally awesome welcome amenity:

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They were all peanut butter filled??

Status is so worth it! If you guys want a quick refresher on how I got it (without staying in the hotels because come on, that’s expensive), simply click here.

I’m off to enjoy my balcony.

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-Carissa “I’m basically a celebrity” Ragland

Weekly Inspiration: Paris on Points and Miles

Hello All!

It’s time for another installment of weekly inspiration! Now, I know my travel style is probably a little bit different than a lot of you- that is, I have apparently unlimited free time and go wherever whenever (not totally true, to be fair). However, I realize most of you have productive, working, lives, and some fairly limited time off. Thus, I’m working on making real, sensible, recommendations for you all.

How thoughtful of me! (Sorry, I’ll try to be less sarcastic.) Anyway, this week’s focus is Paris, the city of love. Voted the most romantic city in Europe, Paris is jam-packed with famous landmarks and tons of things to do. I know Paris tops the list for many of us, so let’s figure out how to get there for free- or at least really cheap, eh?

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Flights

Now, there are tons of ways to get to Europe. In case you guys haven’t been keeping up this last year, airlines are going full-warfare on flight prices, which means we’re seeing some incredibly low prices:

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A quick look at November shows us that several different carriers are willing to sell us tickets from New York-Paris for a total of $511 per person. That’s ridiculously cheap all by itself, but we want it free.

So! The American Express Business Platinum is currently offering a sign-up bonus of 75,000 points. One of its perks is a 50% refund on points you spend for airfare on an airline of your choosing. That means, looking above, that you can choose Delta, Air France, Iberia, Finnair, or British Airways, and pay a total of 25,600 points per ticket. That means you’ll be able to enjoy three roundtrip tickets to Paris with just one sign-up bonus!

Now, the American Express Business Platinum spend threshold is pretty high (10k for 50,000 points, and 10k for and additional 25k), so if you’re not looking for a heavy investment, that could be problematic.

In that case, I would recommend the British Airways Visa Signature from Chase, which will give you 50,000 points after spending just 3k in the first three months. (Or even up to 100,000 points if you put enough spend on it).

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Using British Airways Avios, you can then fly New York-Dublin for a mere 26,000 points + fuel surcharges roundtrip. (After meeting your spend goal, you’ll have 53k points).

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Flying on BA’s partner, Aer Lingus

From Dublin, flights to Paris are cheap. Airlines such as Ryanair can get you there for around $20 bucks, or, flying a nicer carrier will cost you around $100 roundtrip. Not bad, not bad at all.

Hotels

So you’ve managed to make your way all the way to Paris, now what?

You could spend two nights at the Park Hyatt Paris-Vendôme, which is one of the best hotels in Paris, using the two reward nights earned with your Chase Hyatt Visa:

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Or, you can transfer points from one of your Chase Ultimate Rewards cards (such as the Sapphire Preferred or Reserve, which each have a 50,000 point sign up bonus after 4k spend in 3 months), and snag 3 nights at the Hyatt Regency Paris Étoile, which costs a mere 15,000 points a night, or over 1,000 Euros for your three night stint.

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If you get both cards, you’ll have enough points for a full week at the Hyatt Regency, saving yourself 2,200 Euros.

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But Carissa, you say, this all seems like a lot of work. And you’re right, Paris is a notoriously expensive city, and hotels there cost more than almost any else in the world. So what if you don’t want to sign up for a couple different cards just for your hotels?

Well, my friends, I give you Airbnb. No, Airbnb is not free. And you won’t even use points for it. (Or at least not most traditional points). But it is dirt cheap, and cards that give you bonuses based on travel purchases (Chase Sapphire Reserve, Chase Sapphire Preferred, Citi Prestige, and a whole host of others) will give you the reward bonus for booking with Airbnb. Check out some of these rates for a stay in November:

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These are all full apartments

So if you ever wanted to stay in a chic Parisian apartment for really cheap, Airbnb is going to be your best friend. In fact, it’s what I used during my trip to Paris last year, and I find that it really has outsized value in such an outrageously expensive city.

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Now, if you really don’t want to pay for the Airbnb, you can get yourself the Barclaycard Arrival Plus World Elite MasterCard, which gives you a sign-up bonus of 50,000 points (after 3k spend in 3 months). These points can be used to erase charges off your card, so your stay above there would cost 39,200 points, and you’d still have some left over for other fun stuff. (Souvenirs!)

Ok! I know this has been a lot of information in a short post, but I’m hoping I got it all out there pretty clearly. Paris doesn’t have to be unaffordable if you know how to play your cards right, and saving money on airfare and hotels leaves room in the budget for other fun stuff, like shows and ridiculously fancy dinners.

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Like the Moulin Rouge!

I hope you liked this post! Let me know if there’s somewhere you guys would like me to write about!

-Carissa “Fancy Pants” Ragland

Weekly Inspiration: Hawaii on Points and Miles

I mentioned a few weeks ago that I’d start posting different examples for vacations that you can take using points and miles, so I thought I’d finally make good on the offer. Now in the past I’ve posted up my own trips, but since I’m only one person and I can’t possibly take every trip in the world, let’s start working on some hypothetical ones.

First up: Hawaii!

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I know for a lot of people Hawaii is a bucket list item (I still haven’t been…yet), and unfortunately, it always seems to cost a ton of money. Now, there are loads of options for using points and miles to get to Hawaii, but I’m just going to highlight one really easy one, for people who are just getting started. Ready?

How to Get There: Airfare

While round-trip flights from the mainland can usually cost more than $400/person, snagging flights on award availability isn’t all that hard. British Airways, which offers a co-branded Chase credit card, will give you 50,000 points after spending $2,000 in the first three months. Thanks to British Airways’ award chart (it’s distance based, rather than based on the cost of the ticket) this means that you can score a round-trip flight to Hawaii for just 25,000 points. (This is using its award partner, American Airlines) That means that you and someone you really like can fly to Hawaii for free!

Where to Stay: Hotels

There are tons of hotels in Hawaii. For the most part, they’re all ridiculously overpriced. While there are again many hotels that can be redeemed for award points, here we’re going for longevity. What’s the use of spending 50,000 points to stay one night at the fanciest hotel, when you can spend the same for 4 nights elsewhere?

To that end, I recommend the Hyatt Place Waikiki Beach. It’s a category three Hyatt hotel, which means it will cost you just 12,000 points/ night to stay there. In July, the cost to stay there is $270/night, plus taxes and resort fees.

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Chase has both the Sapphire Reserve and Sapphire Preferred cards, which each offer a sign-up bonus of 50,000 points. (After 4k in spend in the first 3 months). You can transfer Chase reward points to Hyatt at a 1:1 ratio, meaning you can spend a whopping 8 nights in Hawaii for free if you get both cards. That same stay would cost you almost $2500 out of pocket. (The Chase Sapphire Reserve even has a 100k sign up bonus available until March 12th if you apply in-branch)

What About the Rest of It?

I know that airfare and hotels are often the two most costly portions of a vacation. But what if you wanted a truly free vacation?

The Barclaycard Arrival Plus World Elite MasterCard offers a sign-up bonus of 50,000 points after 3k spend in 3 months, and you can use its redemptions to erase travel charges at a rate of 1 cent/mile. That’s another $500 worth of stuff you can have for free. What’s not to like about that?

All in all, the travel game isn’t too difficult. Once you get your head wrapped around the different points and their possibilities, almost nowhere is off limits.

Now here’s a solicitation: does anyone have any requests for places to go? Let me know in the comments if you’d like me to do some research and come up with a point plan for you.

Cheers!

-Carissa

Florence, Dog Pee, and a Vacation from a Vacation

Hello All,

I’m writing to you from my hotel in Florence, where I am taking a vacation from my vacation. God, how spoiled do I sound? The truth is, it’s pretty tiring getting up and getting out all day, every day. Combined with the care of a tiny needy dog who sometimes pees on things like your bed, it can be downright exhausting!

So! Like I mentioned previously, I’m completing a status challenge in order to get Hilton Diamond status for the next few years. That meant canceling a few of my Airbnbs and switching to hotels.

And boy, is it worth it. I took off yesterday from Nice, where it had kindly decided to start storming exactly as I ran for the train station. Soggy and freezing, Nala and I climbed onto the train, where we sat, delayed, for two hours. Like, I mean, we hadn’t even left the station yet.

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But look at that tongue.

Anyway, I had a connection in Milan, which I ended up missing. Knowing this, I went down to customer service, where I waited for an hour for help and ended up missing another train. Oh! And someone tried to pickpocket me! Never underestimate the excitement of travel, guys.

Long story short, I ended up in Florence 4 hours late and tired of hauling all my (Nala’s) stuff through train stations. Luckily, upon arrival at the Hilton, (almost) everything got immediately better. Seeing as how I’m currently a top-tier elite, my room was upgraded, and, of course, I got executive lounge access, which means free food and drinks all day long. The point I’m making here is: get status! It makes everything 1000% nicer.

I’m now freshly showered, fed, and watered, and spent a lovely morning in a whirlpool spa area doing absolutely nothing. It was glorious.

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From the rooftop terrace at the executive lounge.

Now, a final story to send you guys off before I spend some more time relaxing and chilling out.

So, last night, like I mentioned, I was pretty tired. Nala too, since she had been traveling with me all day. Well, she had already pooped in the train terminal, but luckily the Italians love dogs so everyone just chuckled and shook their heads.

After arriving to the hotel, I spent a few minutes in my room before heading to the club lounge to grab a few drinks and snacks. When I came back, Nala was waiting for me at the door, frantically greeting me and jumping around. Well…I soon found out why, when I encountered my plush, amazing, king-size bed covered in pee. This means my dog, who I had just left, (and who was just outside!) found herself alone, jumped up onto the bed (because the floor wasn’t good enough?) and decided to relieve herself. All. Over. It.

I mean come on! Shamefully, I called down to the front desk and asked them for a new bedspread, because my dog has no manners. They were very kind and sent up housekeeping with a new one, who remade my bed while I awkwardly watched and tried to ignore the wet pile of dog pee bedding right next to us.

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I am a shameful pee dog.

Good times.

Ciao!

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Selfie Queens

-Carissa “Under the Tuscan Sun” Rawson

Free Alcohol and Food! No, But Really.

Hello Dear Readers!

Do you know where I’m writing this from? No? You don’t? Well let me inform you. I am currently plopped in the dead middle of the Hilton Barcelona’s executive lounge.

“How does this happen?!?” you may ask, confounded, as you recall that I have been staying with some Argentinians in an Airbnb.

Ok, enough teasing (bragging) and let me tell you guys why I’m here. Do you remember a few weeks ago when I wrote about earning Hilton Diamond status with the increased sign up bonus? There’s actually another route you can take to earn Diamond and keep it through 2019. Hilton currently has a promotion going on where they will match your status with another chain’s (in an effort to poach you). Then, once your status is matched, you can complete 8 stays within 90 days in order to hold your status through 2019. It’s a pretty awesome deal if you can take advantage of it.

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Actually through 2019, not 2018.

However, I’m assuming most of you don’t have elite status with other hotels. Or, at least, you don’t have one high enough to match you to Diamond with Hilton. Well, luckily for us, there is one credit card that does offer such a benefit.

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IHG’s (Intercontinental Hotel Group) credit card offers 60,000 bonus points after 1k in spend, as well as automatic Platinum Status with the chain. Now, I’ve stayed at an IHG hotel a bare minimum of times, so don’t think I earned my status or anything.

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I deserve none of this

This is just something they give you when you get the card. Anyway, Hilton will match your IHG Platinum Status with their Diamond status and give you the option to complete the 8 stays in order to keep it.

So that’s what I’m doing! I’ve rebooked a few of my stays throughout the next few months in order to meet the challenge (any Hilton hotel within the portfolio will work), and then I’m good to go.

Why is Diamond so great? Well, it gives you a number of benefits, such as room upgrades, late check-out, early check-in, and free premium internet access. However, most importantly (to me) is executive lounge access, which means free food and drinks (including alcohol!) for the entirety of your stay.

For someone professionally unemployed, like me, this is a huge deal. Now please excuse me while I go stuff my pockets with free apples.

-Carissa “Elite AF” Rawson

Skiing With the Rich and Famous: A How-To Guide for the Poor (and Unemployed) Among Us

Hey guys!

Ok, so I’ve been sitting on this one for a while because I reaaally wanted to do it justice.

What is “it,” exactly?

Well, let me tell you!

It was our Valentine’s Day celebration that we celebrated in a totally planned and not-at-all last minute fashion! Ok, you caught me, it was like a week in advance and maybe I forced David to cancel all his plans. But trust me, it was worth it. So what did we do?

We went to Beaver Creek, Colorado! (It’s for skiing). More specifically, we stayed at the Park Hyatt Beaver Creek and skied our tails off on Beaver Creek’s many many ski runs.

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The view from our hotel room

Now, in case many of you guys don’t know, Beaver Creek is full of rich people. I mean like, “Oh I guess I’ll just spend ten thousands dollars this week and go to Beaver Creek” rich. Way above the likes of us. Luckily, and you guys guessed it, Carissa-the-Points-Queen was here to save the day. So how did I manage this?

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Yes. I live here.

Well, the Hyatt brand happens to be a transfer partner of Chase. If you guys remember, I’ve got a few different Chase cards, which have earned me almost 200k Chase points. However, I also happen to have the Hyatt Chase card, which has a sign-up bonus of 2 free nights anywhere.

Now, I had originally planned to use those free nights at the Maldives, but a quick search showed me that I could save myself some points and swap those free nights over to the Park Hyatt Beaver Creek.

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Why? Because the Park Hyatt Maldives is only a Category 6 hotel, which costs 25,000 points/night, and the Park Hyatt Beaver Creek is a Category 7, costing 30,000 points/night. So, by using my two nights at Beaver Creek, I could save myself 10,000 points over a 2 night stay. Well worth it, in my opinion.

For reference, the Park Hyatt is currently going for almost $1000/night, so this was a pretty big deal.

With the hotel taken care of, all we had to do was get there. Starting from Washington D.C., roundtrip flights were around $700/person. Ew. Too much for me.

However, after a stupidly long amount of time, I found some Southwest flights from Philly that were $180 roundtrip. And you know what flying Southwest means, right? David comes for free! (I also redeemed points for our flight) So we drove our happy butts two hours up to Philly, spent a night in Denver, then rented a car and drove the additional two hours to Beaver Creek.

Pause for a moment here. At the request of David, I need to enthusiastically tell you guys how great our rental car company was. I rented from Silvercar, which gives a 30% discount to Visa signature card holders (Chase Sapphire Preferred/ Reserve) They only rent out Audis, which is the coolest thing ever, so we cruised to Beaver Creek in style. It’s also worth noting that the cost of our Audi was $269 for the entire weekend, while a shuttle roundtrip would have cost us $349. I’ll take the leather seats, please.

Let me just say, our hotel was awesome. It was located at the bottom of the ski slopes, so you literally left the hotel and got onto the chair lift up. Super cool.

Now, if you guys happen to know me, you happen to know that I had tried skiing exactly once in my life before this. Suffice to say, it went badly. (So so badly). So I was fairly concerned about attempting to ski again. David had been before, so he was all set, but I opted for ski school. And I mean like “how do I put boots on?” ski school.

Of course I was obviously the best at it (why? I’m normally so clumsy). In fact, I was so good that my instructor had me go it alone on the ski lift. He called me athletic and sent me on my way, which meant that I immediately fell over and ate shit as soon as I tried to get off. Very encouraging.

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Look how perfect I am.

Overall the day was fantastic and made huge ski fans out of both David and I. Unfortunately, since the skiing up there is so bleeding expensive, we only managed to make it out for one day. The other day we spent wandering around Beaver Creek village (they hand out free chocolate chip cookies!) and watching a concert with Glen Morrison, who is some guy from Glee and also other famous things.

Did I mention that David opted for no ski school? He says he had a great time, but he also had a GoPro strapped to his and oh my God you guys need to see the videos of him wiping out. He promises he’s uploading them to YouTube soon so I’ll link you guys as soon as they’re up.

Otherwise, we had an amazing weekend which we could have in no way afforded without points. True, ski rentals and ski school cost us out of pocket, but a free hotel and free flights meant we could afford this awesome opportunity without breaking the bank. Totally worth it!

Carissa “Snowbunny” Rawson

Dipping in a Toe: The First Steps for Starting Reward Travel

Hey there everyone,
How are you guys liking the new format? I figured since I finally had enough content, it was time for a refresh on the website. I think the new look is pretty cool, and helps to highlight a lot of the awesome pictures that we have. (Not that I’m biased). Anyway, today I’d like to talk to you guys about the actual steps, in order, that you should take if you’re looking to start into the rewards travel game. Credit for this idea goes to my aunt, whom I am attempting to corrupt at this very moment. (Hi Angie!) Anyway, I realize that a lot of these posts probably come off as complicated for someone just looking to start in the game. Hence, this post.

a2a54309-e28c-421e-beb5-df594fcbea62The first question you always want to answer when looking to start points hacking is what do I want to do with these points? I know that may sound simple, but there are so many different options available to you that knowing what you want to do first gives you a really good direction from which to start.

I, for example, wanted to fly to Europe for free. I had read a few blogs stating that the British Airways signup bonus (50,000 British Airways Avios) was enough to get you to Europe and back, twice, if you flew from Boston. So that’s where I started. In August of 2015 (believe it or not) I got my first card, and from there everything has built upwards.

But what if you wanted to do something else? What if you wanted to go to Hawaii? Or take a once-in-a-lifetime trip to an all-inclusive resort in the Bahamas? Each option requires different rewards, and figuring out all the information can be tough.

First things first, though. You can’t get into the reward travel game with bad credit. Banks are giving out these offers in the hopes that you’ll continue to be a loyal customer, and they aren’t willing to risk this kind of money on people who don’t have good credit. So:

  1. Check your credit. There are numerous websites that will offer you a free credit score, even as often as 1x a week. I personally use Credit Karma, Credit Sesame, Credit Journey, and Nerd Wallet to check my different scores. Credit Karma will offer you both your Experian and Transunion score, which banks pull most frequently from, so I’d go with them first.
  2. Look up credit card specials. The Points Guy has a top 10 list of credit card offers that they maintain, along with different and excellent ways to maximize your points. If you’re worried that your score isn’t good enough, nerdwallet.com will tell you your approval odds for each card.
  3. Decide where you want to go. Bali? Argentina? Hawaii?
  4. Get your first card. For people whose scores hover in the 700’s-720’s, or for someone who doesn’t have much credit built up (not many loans, past credit cards, etc) I would recommend going with mid-level credit cards rather than top-tier right away. Let the banks build their trust in you. Some of these cards include:
  • Chase Sapphire Preferred– the little brother of the Chase Sapphire Reserve, this card still offers 50,000 points to sign up and a minimal fee of $95/year (waived the first year)
  • Hilton Honors American Express, either the Surpass, which is $95/year, or its little brother, the no fee version. The no fee card currently has an increased signup bonus of 75,000 Honors points.
  • AAdvantage Aviator Red card, which is $95/year and offers 40,000 points after your first purchase.

5. Follow different blogging sites, which will tell you awesome deals as they occur and keep you up to date on specials. Often, it can be worth your while to purchase airfare on sale and save your points for lodging. I follow View From the Wing, Secret Flying, Travel Pirates, The Points GuyDeals We Like, Running With Miles, Flyer Talk, Award Wallet, and many more. For the most part, I keep up to date on Facebook, which is a constant feed of the best specials out there.

6. Google is your friend. Want to know the best way to spend 100,000 American Express points? Google will give you a hundred top ten lists, and you can peruse at your leisure.

7. Read my blog! I know, I know, shameless plug, but I’m going to start highlighting different ways to spend points for vacations, because I realize that just deciding where to go and how to do it can be a little…overwhelming.

Was this even helpful? It seems like a primer guide is a little difficult to write. Anyway, the most important takeaways are these: know your credit score. Know it like the back of your hand. Have an idea in mind and apply with purpose- don’t start off just hoarding points. If United miles get you there faster, get a United card. If Southwest does the trick, get Southwest. Never carry a balance. It will tank your score and leave you unable to peruse further points accumulation. And finally, remember to have fun! These are points with a purpose, and using them correctly can give you amazing, unbelievable adventures that you would have never thought possible.

-Carissa.

P.S. I’ll be back later with vacation ideas because who doesn’t like to dream?

Diamond is a Girl’s Best Friend: Hilton Honors for the Rest of Us

Hey Guys!

So, my family and I have just spent the last few days in Chicago. We had a really awesome time and got to see the Hamilton musical (thanks to the American Express Concierge). Trust me, it’s worth the hype. So good!

Anyway, today I’d like to talk about the Hilton Surpass American Express card. Now, I’m personally a big fan of the Hilton Honors program, because owning the American Express Platinum gives you automatic gold status with Hilton, and because I find that a lot of the Hiltons around the world offer great mixes of points + cash rewards. This card will actually give you Gold status, so even if you don’t have the Platinum card, you can enjoy these benefits. On top of this, Hilton also often offers cool bonus promotions. Currently, you can earn 2000 bonus points/ night, for every night you stay, no matter where or how much it costs. On top of that, they’re also offering 500 more bonus points if you book through the app.

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However! The Hilton Surpass American Express card has an increased signup offer at the moment, at 100,000 Honors points if you spend 3k in the first 3 months (instead of 75k). This card has a number of benefits:

  • Complimentary Gold Status
  • 12 Hilton points per dollar spent at Hilton
  • 6 points per dollar at US restaurants/ gas stations, and supermarkets
  • 3 points per dollar on everything else

So, what can you do with 100k points?

Well, I spent 80,000 Honors points to save tons of money on a hotel in Dubai. Using the points + cash reward, I was able to drop a 1000sq ft suite from $272/ night to $64 and 16,000 points/ night. Over the course of five nights, that totals $1040. Not bad!

Or, if you’re looking to maximize your free nights, Hilton Category 1 hotels start at just 5,000 points/night, meaning you can spend 20 free nights in hotels around the world. Even better, using Hilton’s current promotions, you earn 2500 bonus points for every night you spend, effectively making your redemptions 50% off. This means you can stay 2x as many nights! That’s right, 40 free nights in a Category 1 hotel. And if you’re a Gold member, every one of those nights comes with free breakfast (for 2), early check-in, late check-out, and room upgrades.

And, because you’ve stayed so many nights at Hilton, you’ll be bumped up to Diamond status, which equals even more awesome benefits. Most importantly, this status gives you Club access at Hilton hotels, which means free food and free drinks all day. Awesome!

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This signup bonus is for a limited time only, and is absolutely worth it. Get it before it’s too late!

-Carissa “Goldmember” Rawson

Disneyworld on Point(s)

Hey guys!

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So if you know me, you definitely know I love to spend time at Disneyworld. It’s honestly one of my favorite places to be, and David and I go down as often as possible. However, the cost is prohibitive for many families. A lot of the time, we’ll go and stay at a cheap hotel because they’re everywhere around Disney. But sometimes, we want to stay somewhere nice. Somewhere with a little more…magic.

So how do we do this affordably? Everyone knows that the Disney ecosystem is built to suck every last penny from your wallet, but there’s definitely something special about getting to stay within the resort and revel in the benefits that being on property brings. However, oftentimes, the costs of the hotels can get as high as $800/ night. I don’t know about you guys, but I am totally not rich enough for that.

Fortunately for us, there are two hotels within the Disney resort that are no longer owned by the Disney corporation. Starwood bought them some time ago, which means…you guessed it! You can use points (from the SPG Amex cards) to stay for free at Disneyworld.

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The two hotels, the Dolphin and the Swan, are a little older than the rest of the hotels, and their theming isn’t *quite* as nice as some of the others, but they are walking distance from Epcot, and get their own special entrance. Because they’re part of the Disney resort, guests staying there also receive the cool extra benefits, such as early entrances to the parks and free transportation everywhere. This can save a bundle in parking fees at the resort.

The Dolphin is considered a Category 4 hotel, which means staying there will cost you 10,000 points per night. However, on award stays, Starwood gives you the 5th night free, effectively bringing the cost down to 8,000 points/night. For a hotel that regularly costs over $300/night, this is a fantastic redemption value.

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And did I mention that it’s on Disney property?

So, when David and I are heading down in May, the room rate for the Dolphin is $329/night, not including taxes and fees. All told, the total for five nights would be $2117.59. Instead, we’re spending 40,000 points (5th night free) for the entire stay!

That is a serious chunk of change, and totally worth it for families who are heading down to Disneyworld.

For my Georgia and New England readers, there’s also a special going on right now for a third night free in honor of the Super Bowl. All you have to do is call to book before February 28th, and stay anytime before January 31st, 2018. There might be a way to stack this with the Citi Prestige’s 4th night free offer, but I haven’t tried.

Anyway, these are some tips for saving money down there. If you guys are interested in learning more, let me know! I have tons of info, and obviously love talking your guys’ ears off.

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Such grace. Such Beauty.

-Princess Carissa of Arendelle