Aspiring to the Hilton American Express Aspire

Hello Dear Readers!

It’s been a long time since I’ve written specifically about credit cards and reward travel, and for the first time in a long time, I’m actually caught up on my trip reviews.

So today I’m going to talk to you about a credit card I’ve been lusting after ever since it was launched in January 2018. The card, the American Express Hilton Aspire card, is an ultra-premium credit card that combines a disgustingly high annual fee ($450!) with some of the best benefits available in the credit card business.

What Do I Get For All That Money?

• 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide

• 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants

• 3X Hilton Honors Bonus Points for all other purchases

Hilton Honors Diamond status

One weekend night reward at a hotel or resort in the Hilton portfolio with your new card and each year of card Membership

• A second weekend night reward at a hotel or resort in the Hilton portfolio after spending $60,000 in purchases on the card in a calendar year

Priority Pass™Lounge Membership

• $250 Airline incidental fee annual statement credit

• $250 Hilton resort annual statement credit

• $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package

• No foreign transaction fees

• Access to the American Express concierge

150,000 point sign-up bonus

What’s the Big Deal?

1.Hilton Honors Diamond status– this is the highest status Hilton offers, and provides tons of benefits for elite members. The Aspire card is the only card on the market to offer top level elite status simply for holding a credit card.

2.One weekend night reward at a hotel or resort in the Hilton portfolio with your new card and each year of card Membership– this free night is unrestricted, meaning you could use it at the Conrad Maldives if you so please (which costs $2,000/night). It’s very easy to find a hotel that will cost more than your $450 annual fee.

3.Priority Pass™Lounge Membershipif you aren’t interested in getting other premium credit cards, like the American Express Platinum Card, then this could be a good option for you as Priority Pass has airport lounges all over the world. It’s awesome to get away from the stress of the terminal.

4.$250 Airline incidental fee annual statement credit– this credit can be used on the airline of your choice for things like: purchased upgrades, purchased seats, bag fees, and an annual lounge membership.

5.$250 Hilton resort annual statement credit– use this at your free night for the ultimate in smug satisfaction.

6.150,000 point sign-up bonus– 150,000 bonus points is nearly enough for two free nights at the Conrad Maldives. Combine it with your other free night for three completely free nights at the best hotel in the world. If that’s not your jam, 150,000 bonus points also equals 30 free nights at Hilton’s category 1 hotels. Enjoy the upgrade your Diamond status brings you.

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At the underwater restaurant in the Maldives.

I actually recently applied for this card myself but was turned down due to having too many American Express cards. Yeah, that’s a thing. I have an offer to upgrade from the lower tier American Express Hilton Card, but it comes without the sign-up bonus, which is really kind of crappy. Let’s be realistic though, once my Diamond status runs out in March, I’ll probably head right over to this card.

Enjoy the luxury!

-Carissa “How Many Cards is Too Many?” Rawson

The Magnificent Maldives- Reserving a Room (For Free!)

Hello Dear Readers!

I’ve made so much fuss over the last year about the Maldives, and previously when I wrote about going, I detailed how I would spend points for nights at the Park Hyatt Maldives. Well, like I told you before, I ended up trading in those nights for a 4 day stay at the Conrad, simply because it was easier (and I wanted to go to their underwater restaurant.)

So how did I do it?

Well, the Conrad Maldives is the absolute highest category hotel that they’ve got, clocking in at an astonishing 95,000 points/ night. For reference, their cheapest hotels (Category 1) go for a mere 10,000 points/ night.

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I spent all year saving up for this, using sign up bonuses from the Hilton Honors Ascend card (which offers 100k points after 3k spend in 6 months) and the now defunct Citi Hilton Reserve card, which offered two free weekend nights at any hotel after 3k spend in the first three months.

I also saved up all the points I’d ever earned from doing my Diamond status challenge and made sure most of my stays during the last year were at Hiltons. This wasn’t just to earn points (though the earning ratio is vastly improved when you have status), but also because being a Diamond member means I get better perks here than at any other chain.

If you’re looking to acquire Hilton points, you can get the card I mentioned above as well as the Hilton Honors Aspire card, which earns you 100k points after 4k in spend in the first three months. (It also gives you Diamond status simply by owning it). There’s also the no annual fee Hilton Honors card, which gives you 50k bonus points after 1k in spend in the first three months.

Obtaining these three cards will net you a minimum of 250,000 points before spend (which will easily drive it up another 10-15k)- nearly enough for three nights at the Conrad Maldives. If you can get yourself up to 380,000 points (very doable in a year, as the Hilton cards earn rewards very quickly), you’ll have enough points for 4 nights. The Hilton Honors program gives the 5th night free on all hotel stays, so you’ll be able to stay for 5 nights for the cost of 4!

So, yes, it’s expensive. But you’re also redeeming your points at a hotel that regularly goes for over $2,000 a night, so you’re making it well worth your while.

The reward room you get is the beach villa, which is nice enough on its own. But a mere month before my arrival, Hilton accidentally made overwater villas (normally a $150-$300/ night upgrade) available for redemption for only 95,000 points a night- the same rate as a beach villa!

Unfortunately, I was past my cancellation window, so thought I had lost the opportunity to snag this. However, I still gave the Diamond desk a call and to my extreme surprise, they pulled some strings, replacing my 4 night stay in a beach villa with 4 nights in an overwater villa at no extra cost! I was more than a little pleased, and have continuously gloated since.

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For us!

Anyway, if you’re looking to stay, those three cards are the easiest way to earn large quantities of points, and once you’ve accumulated enough, it’s worth your while to aim for 4 nights and get 5. If you’re averse to too many cards, American Express transfers points to Hilton at a 2:1 ratio, so you’ll need a mere 190,000 American Express points for your 5 nights at the Maldives.

Up next, more fun and less points. See you soon!

– Carissa “Smug AF” Rawson

But What’s In Azerbaijan?

Hello Dear Readers!

It’s finally time for a new country! Are you guys ready for this? Drumroll, please…..

Azerbaijan! Now, I know a lot of you are probably thinking “what is that and why did you go there?” Well, the answer to that is simple. Azerbaijan is a former Soviet country with some pretty intense development and a relatively low amount of tourism. Since my University gave us a week long holiday (to…um…study), I decided to head on over there and see what was up.

I will tell you guys, when I returned and told my professor where I had been, she goes “Azerbaijan?” with a blank look on her face, and then after a long pause “….Borat?” (I actually spit out my drink laughing).

Now, flights to Azerbaijan are scarce, at best. And I’m sorry to inform you guys, but this time I truly could not find a decent flight using points to get there. Most flights connected either through Moscow or Istanbul and took upwards of 15 hours. However, every third day, Azerbaijan Airlines has a flight from London (and a return every 3rd day to Paris), so that’s what I ended up doing.

I spent a total of five nights, and Baku, the capital, happens to be home to some really spectacular hotels at really cheap prices (both points and dollar-wise). The J.W. Marriott Baku is one of only a few J.W. Marriotts (their flagship brand) in the world at a category 2 level, meaning it cost me just 40,000 Marriott points for my entire five night stay (Marriott gives 5th night free on award stays). In contrast, the total cost were I to pay to stay there would be just over $1,000.

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For reference, the Chase Marriott rewards card comes with a 80,000 point sign up bonus after 3k spend in the first 3 months.

Since I’m an American Express Platinum Card member, I have gold status at Marriott, which meant that I received both a room upgrade and free executive lounge access for the duration of my stay. This was excellent, since breakfast and some excellent evening tapas and drinks were available on the daily. (As if I weren’t otherwise stuffing myself).

Ok!

I’ve just got to tell you guys, I had an awesome time in Baku. As I said before, there are relatively low levels of tourism, which meant that most of the time I was delighted to find that I *wasn’t* paying the tourist tax I’ve found in nearly every other country I’ve been to. A cab across the city cost 5 bucks, regardless of the destination, so obviously I splurged just a bit.

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I was actually meeting Harrison in Baku, and for the first time in my life I trusted someone else to plan the trip. Yes, I know, it was terrifying. But I’ll give credit where it’s due, I had a lot of fun and traveling is 1000% less stressful when you don’t have to do it yourself.

Now since I was meeting him, not arriving with him, I had to figure out how to get to the hotel from the airport at 5am.

Do you guys know where this story is going?

I feel like you do.

Enter me, disheveled and angry after an overnight flight from London to Baku (6 hours too long), with my trusty backpack on and absolutely no idea how to navigate a Russian speaking country. I did, however, manage to take out some manat (their currency) in order to grab a cab, which promptly fell out of my pocket and no one told me about. Thanks, guys.

Just outside of the airport were dozens of cab drivers milling about, and I quickly found one who offered to take me to my hotel. I usually prefer to use Uber, since there’s a literal GPS track of where you’re going, but since that wasn’t an option I settled for the sketchy looking dude who came nearest to me first.

Um.

Ummmmmm.

My first hint came when we walked out to his car, which was technically a taxi but also pretty run down and janky. Ok, fine, this is Azerbaijan.

So then I got into his car and off we went, me trying desperately to look at my phone in order to avoid talking and him chatting with just about…15 words of English. (Don’t you guys do that? Stare at your phone so you look really involved and unapproachable?)

Well, it didn’t work. Five minutes into what should have been a 30 minute drive, he pulls off the side of the freeway and insists that I move up front.

No thanks, I told him politely. He insisted again and no thanks I insisted back. Then I realized he wasn’t gonna move until I did, so into the front seat I went.

At this point he decides he’s a tour guide, so he’s driving 30mph on the freeway, weaving to and fro as he points out buildings. Ok, sure.

But then he pulls off again, asking for my phone number so he can give me a tour later. He then invites me back to his house.

And yes, I know, I could have given him a fake number. But then he called me! In the car! To make sure it worked! So thank goodness I didn’t.

Off he goes again, more pointing, more invites, etc etc. Then he turns to me and goes “you are a good girl, Carissa, you know that?”

….sure.

And once more he pulls over. It’s now bright outside, since we are 45 minutes into our 30 minute journey. He wants to take a photo of me, you know, for the contact in his phone. I politely decline, and the same scenario plays out.

Ok. Fine. Take my damn photo and let’s go.

No, wait, it gets better. He then grabs my hand and shakes it, informing me once again that I am a good girl. We’re nearing the city center now, and I can almost see my hotel. Slower, slower, he drives, and he grabs my hand again.

He then declares that he loves me.

I ignore that bit and look very fixedly out the window, so he tries again, grabbing for my hand. He snags it and fucking kisses it, telling me he loves me again.

“What was that called?” He asks, mimicking the kiss he just did.

“It’s a kiss,” I tell him. I can see my hotel, just a couple hundred feet ahead, brightly lit and welcoming and full of no creepy men.

Finally, he stops, pulls up, and says,

“Can I kiss you?” while he reaches for my face.

I DON’T THINK SO, PAL.

I literally put my hand in front of his gross, creeping lips, and shoved him away. I then paid him (he tried to charge me extra!) and ran out of the cab.

Welcome to Baku!

– Carissa “At Least It Wasn’t a Proposal” Rawson

Amazing Australia

Hello Dear Readers!

It’s been a furious few weeks here for me, as I’m roughly three quarters of the way through a trip to Australia. It’s been an an incredible journey so far, and I’m more than a little excited to share it with you all.

First things first- figuring out my itinerary for Australia was pretty overwhelming. I originally booked my ticket for ten days, figuring, what the hey, that should be a good amount of time to tour the country. However, upon beginning to try and figure out where I was going to go, I realized that Australia is simply massive. I know, I know I should look at a map more often.

Anyways, it’s nearly the size of the U.S., so once I realized this, I decided to go ahead and change my dates from August 2nd-14th to August 2nd-24th, giving me just over three weeks in the country. (Though not really, since you lose two days on the way over.) I then decided to do the classic journey from Sydney up the East Coast, stopping over in Brisbane, Hervey Bay, Airlie Beach, and Cairns before hopping a flight to Alice Springs for a quick jaunt through the outback. Now this may seem like a lot, and it is, but it doesn’t begin to touch the amount of things to see and do in Australia.

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So, with my itinerary decided, it was time to figure out where to stay. As an aside here, I booked my ticket to Australia during a price war between the major US domestic airlines, meaning my nonstop flight from Los Angeles to Sydney clocked in at just over $700 on Delta. I then paid for the flight using 35,000 American Express points. (To see what I’m talking about with these points, click here).

Australia doesn’t happen to be a cheap country to travel, especially when you’re booking hotels. I could use points, but it would burn much of my stash, so that’s not really ideal. And I’ve always wanted to meet great people while traveling, which is a bit difficult when you’re isolated in a hotel room.

All of this is a lead up to say that I booked most of my nights in hostels. And not just like, private rooms in hostels. I mean 10 bed dorms with creaky metal bunks and the dulcet sounds of snoring to keep me awake all night. Do I sound bitter? Maybe a bit.

So this has basically been an intro to the reallly long saga of my trip that I’ll be posting over the next few weeks. Are you guys excited? I am!

First up- Sydney!

-Carissa “Almost an Aussie” Rawson

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

Murphy’s Law of Jordan

Hello All!

I still have tons to write about for my whole European adventure, but today I’m interrupting your regularly scheduled programming to write to you about Jordan. Because…guys…I’m pretty sure this country hates me. Let’s get on with it!

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My only photo of Jordan

Ok! So I arrived to Jordan after a long day of travel (Naples -> Rome -> Athens -> Amman) on March 29th. Now, most of you probably know this, but I lived in Jordan last year, so I’m familiar-ish with how to get around. Jordan doesn’t have much (any) public transportation, so, since my flight landed at 01:30am, I made sure to book myself a private transfer to my hotel. David was coming to join me the next day, but, as I’m sure you guys understand, you don’t want to be a lonely girl in the middle of the Middle East, no matter how much you like its people. Thus, I also booked a nice hotel (ok, the best), and was supposed to be dropped off there at around 02:30am, once I got through customs, etc.

Note how I said supposed to?

Yeah.

I finished up with my luggage and customs and walked out to the lobby, where my driver was *guaranteed* to be standing around waiting for me. Except he…just didn’t show up? I wandered back and forth for a few minutes, wondering if I had missed the sign, before concluding that, yes, my private driver had indeed abandoned me in the middle of the airport at 2am. In Jordan. I finally managed to get ahold of a very sleepy man (using the company’s *emergency* number), who seemed shocked to learn that he had a customer waiting, and asked if he could call me back.

While waiting for his return call, I learned that Uber is a thing in Jordan! And dear God thankyousomuch for Uber, because it saved my ass. I called a car (which took twenty minutes to get to me, since there was apparently only one driver in all of Amman) and politely told the missing transfer driver to eat it.

So, I gratefully climbed into the Uber and headed off to my hotel, arriving at around 3:30am, where I greeted the hotel receptionist in Arabic and told him I wanted to check into my room.

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Look! Nala!

Now pause here for a moment. Half the reason I booked this hotel, and not any others, is because it participates in the American Express Fine Hotels and Resorts program. That means you receive a room upgrade, 12pm check-in, 4pm check-out, free daily breakfast for two, and a $100 food/beverage credit for the length of your stay. Since I didn’t want to be wandering the city alone, I figured the massive quantities of free food would work out for me while I waited to David to arrive. I also meant to luxuriate in the heated pools and maybe even work out (lol no).

Ok, back to check-in. There I was, standing exhaustedly after my car debacle and just wanting to head to my room, when the receptionist (who was very kind), told me that my reservation was set for 28-30 April, not March. I was thus one month early.

Well. Shit.

It also turned out that the hotel was fully booked for the next few days. Seeing the look of panic on my face, the receptionist offered me water and tea and asked me to sit down while he figured something out. Promising that he’d be back in 15 minutes, he disappeared for the next hour.

Finally, he returned, saying something about possibly a room that they may have but it might be really expensive and also I might have to leave at noon? At this point, I didn’t care, and simply nodded.

Another hour later, the actual night manager returned, who told me they had found a room, which I guess was somehow previously unbookable? They had cleaned it and set it up for me, and I would be able to stay for the two full nights with all the amenities from American Express. Silently expressing my joy, I followed the manager up to the room and fell over into the bed, finally falling asleep at 5:15am.

So, a pretty iffy start to Jordan, right? But at least I was in the best hotel in Amman, right?

Yeah, true. But then I woke up with food poisoning. (Or, at least that’s what I thought it was). Let me tell you guys, there is nothing so pathetic as me lumbering around a hotel room by myself, whining and watching 10 episodes straight of RuPaul’s Drag Race. David finally arrived at around 11pm that night and proceeded to shove pepto bismol and pedialyte down my face, which was a far cry from the $100 steak I had been envisioning eating, but I was grateful for nonetheless.

Now, it’s three days later and I’m almost better!

But, David has gotten sick now. And let me tell you guys, there is nothing so pathetic as David lumbering around our Airbnb, whining about his tummy while watching 10 episodes straight of Spartacus. Men are babies. (I’m conveniently forgetting how pathetic I was, ok?)

I guess…it can only get better from here?

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Enjoy this unrelated photo!

-Carissa “Murphy’s Law” Rawson

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

Reselling Gift Cards for Profit

Ok, so today is going to be a little bit complicated, but bear with me here, it’s worth it.

Today was the first day I’ve actually resold gift cards to earn money. I’ve heard about it pretty often, but have never had the need/ have never jumped on it quickly enough to do it. Let’s start from the beginning:

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Whenever you get an American Express card, the card will update with different offers meant to save you money (really, it’s in order get you to spend money on your Amex, but that’s splitting hairs). These offers can rang from amazing to meh, but two days ago, American Express came out with an offer that looked like this: Spend $200 at Neiman Marcus, get a $50 statement credit. At first glance, that doesn’t seem so great, right? I mean, the discount is nice, but nothing to write home about.

If you have multiple American Express cards, there’s a chance that the offer is available on each card. In order to add it to each card, you have to first open a duplicate tab for every card. You then add the offer to each card on each tab without reloading the webpage. The reason for this is that American Express likes to limit you to one offer per account, rather than card. This trick gets around that and lets you do it for each one.

So after loading that offer to my 6 different cards, I strolled on over to the Neiman Marcus website. Not much I’d like to purchase except a nifty $200 gift card. Why? Because I can resell this gift card to a 3rd party reseller and earn myself both points and cash in the process.

After purchasing $1200 worth of gift cards, I went over to giftcardgranny.com in order to find out which website would pay me the most money for my gift card.

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It turns out that cardpool.com would instantly pay me $170 for my $200 gift card. Since I paid only $150 per card (after my $50 statement credit), this means I’ll earn $20 and 150 American Express points per card.

I know, I know, this doesn’t sound like a ton. But for just a few minutes worth of effort, I’ve earned $120 and 900 American Express points, which is worth around $20. Since I’m rocking that job free life, every little bit counts.

Most people use gift card reselling in order to meet spending requirements. I’ve never done that personally, but I can see the appeal. Perhaps one day, when I can’t make the spend on my own, I’ll try it out. Until then, free money is where it’s at!

-Carissa the less poor

The Joy of the American Express Concierge

Today, I want to share something really awesome that the American Express platinum card can do. If you guys read my blog from a few days ago, you saw that there’s an Amex concierge for platinum card holders, which will make dinner reservations for you, buy and deliver flowers to your beloved, or even snag you theatre tickets for hard-to-get plays.

Well, I’m here to officially say that, thanks to American Express, we got tickets to Hamilton! As in, tickets at full face value, not price gouged to 8x the cost.

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How, you ask? Well, I had heard of American Express selling tickets at face value before, so I signed up for all the different newsletters that announce it. As soon as it popped up, with availability on 5 separate dates, I called up the concierge and had her reserve me some tickets. Since the maximum number of tickets any one person (or account) can buy is 4 (to prevent reselling, I guess), I then asked my stepmom to call her concierge and buy the final ticket. It worked like a charm!

The show is February 7th, and 5 of us are heading over to Chicago to see it. The tickets were only $120 each, rather than ~$700, which makes flying all the way to Chicago worth it.

Since I’m in California right now, David is flying separately to meet me out there, and then we’re using our Southwest Companion Pass to fly back together for half the cost. Cool, right?

See ya guys in Chicago!

-Carissa the deal Queen

What’s In My Wallet? My Favorite Cards to Use and Keep

Ok, today I’d like to do a brief overview of the cards I keep in my wallet, either because they have amazing perks, or because they offer tremendous value in regards to points/redemptions. As we go on, I’ll do an in-depth post of each card, detailing the ins and outs of each card. Are you guys ready for this? *Deep breath* Ok let’s do it!

#1 The American Express Personal Platinum card

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Why?

I’m going to be upfront here and tell you guys that I’m a huge fan of the whole American Express line. I have 6 of their cards already, and the fact that they’ve waived all my annual fees has saved me a ton of money. This card has some of the best perks in the industry:

1. Access to the American Express concierge, who will find and book for you all kinds of cool stuff (such as reservations for restaurants you can’t normally get into, or tickets for Hamilton at face value)
2. Elite status with Hilton, Starwood, Marriott, Avis, National Car Rental, and Hertz
5x bonus points when you use the card to pay for airfare
3. $200/year airline fee credit, which reimburses you for incidentals such as bag fees (or upgrades to first class!)
4. A Priority Pass card, which gets you into participating Priority Pass airline lounges for free (more on this later)
Access to the American Express Centurion lounges in airports around the country (free massages!)
5. 50,000 point sign-up bonus, which is worth anywhere from $1000-$3500, depending on how you spend it
6. Tons of transfer partners, which offers amazing flexibility for redeeming points
A $100 credit to sign up for either Global Entry or TSA PreCheck, which saves TONS of time (though Global Entry also includes TSA PreCheck, so obviously do that one)

There are more, but these are the ones I personally find most valuable. I’ll go more in depth later.

 

#2 The American Express Business Platinum Card

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Ok, I know some of you are going to ask, do I have to have a business to own this card? The short answer is no. There’s a lot of literature on the subject, but here’s a good article explaining business credit cards:

Can I Get a Business Credit Card Even if I Don’t Have a Business?

Why?

The business version of the platinum card has many of the same perks as the personal one, with one notable exception:

1. 50% rebate on all points redeemed for airfare on an airline of your choice in economy class, or on any airline in either business or first class. This effectively doubles the value of your points, as you can redeem through the Amex travel portal without worrying about figuring out which partners to transfer your points to.
2. This card also has a $200/year airline fee credit
3. Until January 25th, this card has a 100,000 sign up bonus, which is worth anywhere from $2000-7000, depending on how you spend it

 

#3 The Citi Prestige Card

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I know I’ve already talked about this card a lot, but that’s because I rely on it so heavily.

Why?

1. The Citi Prestige concierge, which, like the American Express one, can book your tickets and reservations you otherwise wouldn’t be able to get. Booking hotels through the concierge also gets you the 4th night free on *any* stay, which can be invaluable.
2. 3x bonus points for money spent on airfare
3. 2x bonus points for spend on restaurants and entertainment
4. A 50,000 point sign up bonus, which, is worth between $750-$2000
5. Priority Pass membership for you, which also allows you to bring 2 extra guests into participating airline lounges for free
6. $100 credit for Global Entry or TSA PreCheck (I use my spare credits on family and friends)
7. $250/year travel credit that is reimbursed automatically

 

#4 The Chase Sapphire Reserve

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I have 7 different Chase cards, but the Reserve is the best of them. Released last year, it caused a wild outcry as hordes of people lined up to apply for it. So many people got it that Chase actually ran out of the metal that the cards were supposed to be manufactured with, and had to start sending out plastic cards. (The shame!)

Why?

1. Great transfer partners, which allow for the ultimate flexibility when redeeming points.
2. 3x bonus points on all travel and restaurants (even, like, Uber)
3. 50,000 point sign up bonus, which is worth between $750-$2000
4. Priority Pass membership for you and unlimited amounts of guests, which means you and you whole family can get into airline lounges for free. (You’re welcome Great-Step-Uncle George 2x removed)
5. $300/year travel credit, which, like the Citi Prestige, is reimbursed automatically when they see travel purchases on your account
6. $100 credit for Global Entry or TSA PreCheck
7. Automatic 1.5 cent redemption of points on Chase’s travel portal, which, while not the best deal, saves you the headache of trying to work out transfer partners. The portal also includes Disneyworld hotels, unlike anyone else, which can save you a lot of money when traveling down to Orlando. (Who does that??)

 

#5 and #6 Starwood Preferred Gold Cards (both personal and business)

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I’ve put these cards together because they offer some really similar benefits, though they do have a few differentiating features. When I’m not trying to meet spending goals or using other cards with bonus categories, these are the cards I use, because SPG points are widely considered the most valuable points out there (and also some of the hardest to earn)

Why?

1. They both offer sign up bonuses of 25,000 points, which can be worth…thousands of dollars. I just spent 40,000 points to stay at the Walt Disney World Dolphin for 5 nights, which saved me $2100.
2. The SPG business card offers free club access at any Sheraton hotel you stay at. While I was initially meh about this perk, I quickly realized that club access means both free breakfast and dinner, which I take good advantage of. It’s saved me a bundle of money when traveling
3. SPG award point redemptions (at Starwood hotels) give you the 5th night free on any stay, which saves you 20% on your stay
4. SPG has the most transfer partners of anyone, and its points often transfer at a more than 1:1 ratio, which means you can get more points by transferring
5. Every time you transfer 20,000 points to a partner, you get an additional 5,000 point bonus

So there you guys go. These are my top cards, which I keep using even after I’ve earned their sign up bonuses. Most of these are considered the “top-tier” of reward cards, and for good reason. The perks they offer can be worth thousands of dollars, and making use of these can take your travel experience from good to amazing.

-Carissa