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

Maldivian Money- The Monopoly Money That Wasn’t

Hello Dear Readers!

I’ve got a great many things to say about the Maldives even though it was a relatively short trip, but half of them are to do with points and the other half are about what I actually did while I was there. And if you’re not into points- well, then, today is your lucky day!

Today I’m going to tell you a story. It’s a good story- a tale of both woe and triumph, (but mostly woe), where a girl learns a costly lesson but also has an amazing time. Those things aren’t mutually exclusive, are they?

So. I told you all how the Conrad Maldives is expensive, right? And I knew this going in. In fact, I broke down for you exactly how to save alllll kinds of money during your trip.

And yet.

And yet.

It was our first night, you see. Harrison and I had just arrived, met up in the Conrad Lounge at the airport, and made our jolly way via seaplane to the resort. (Which was amazing, by the way).

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Super cool!

And we’d enjoyed the bottle of sparkling wine that they’d left in our room. We’d taken a dip in our own private pool, and had already swam off the edge of our overwater villa down into the ocean.

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We were flying high, you could say.

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So we wended our hungry, tipsy, way down to dinner. It was gorgeous, an absolutely phenomenal view. The restaurant was built on a deck over the beach, and nearly no one else was there, which meant that the lights, softly glowing, fell only on us, the sand, and water, while the gentle crash of the waves kept us company. Such a scene paved the way for excess, as the magic was kept alive through small glasses of champagne, toasted tipsily to each other, to our fortune, and to our immense luck at being there in paradise, together.

One, two, perhaps three glasses of champagne each.

And dessert. You can’t have a luxurious dinner without dessert, right? Molten lava cake and ice cream, melting messily on our plates as we laughed, drank, and toasted.

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Such indulgence, the scene was almost fantastical, like something out of a movie. I could write you volumes about it, but suffice to say that it was so great I almost don’t regret what happened next.

You know those places that don’t publish their prices? And their saying is “if you have to ask, you can’t afford it.”

Well, we should have asked. Because when that bill came- oh Lord did it come.

It was so expensive that at first glance I looked down, scoffed, and reached for my wallet, thinking that the prices were in “Maldivian Money-” some sort of Monopoly money that meant nothing to my mighty US dollar.

No, no they were not.

And that’s the story of how I spent my entire budget on my first dinner in the Maldives.

– Carissa “Worth It” Rawson

Some Like It Easy: An Awesome Offer for Us

Since I imagine many of you are new to/ have never really participated in the rewards card game, today I wanted to highlight a new card that just came out at the end of last year.

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The Barclaycard AAdvantage Aviator Red World Elite Mastercard has a number of benefits, which include:

  • 2x miles on all spending with American Airlines
  • 1x miles on all other spending
  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines.
  • Group 1 boarding for the primary cardmember on domestic flights operated by American
  • 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
  • 10% of your redeemed miles back on redemptions (up to 10,000 miles per calendar year)
  • No foreign transaction fees

However, the most lucrative part of this offer is the sign-up bonus, which is 40,000 AAdvantage Miles after your first purchase (and once you pay the $95 annual fee). That’s right! There’s no minimum spend for this card, which means you can buy something as small as a Starbucks and land yourself 40,000 points.

That’s enough for roundtrip tickets from the US-Europe, or (almost) 3 roundtrip flights around the United States.

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Look where you can go!

That’s awesome! I paid for parking with my card and shelved it, since I’m not a huge American Airlines flyer, but I’m definitely looking into the best ways to spend my points.

So you guys know, Barclay’s Bank generally pulls from Transunion rather than Equifax. Most other banks will pull Equifax, so this will give you some breathing room on new card openings.

This is a really easy way to slide into the points earning game, with minimal investment and some pretty major rewards. What would you guys do with 40,000 points?

-Carissa

The Magnificent Maldives

Ok! I’m back! Sorry I’ve been away so long, I’ve just been busy moving around California and spending time with friends and family. I know I promised I would write more on Japan, and I will, but today I’m super stoked to talk to you guys about the things you can do with sign up bonuses.

I know I’ve already talked a bit about my favorite cards, but the world is filled with different credit cards companies just begging for your business. Of course, to entice you into spending with them, they offer some very generous sign up bonuses. One card that I just recently opened is the Chase Hyatt Visa, which comes up with a sign-up bonuses of two free nights at any Hyatt property.

Now, at first glance, the offer may not seem that awesome. I mean, who wants to go anywhere for two nights? However, David and I both are getting the card and stacking our offers, so we’ll be able to stay a total of four nights.

After earning the bonus (with $2,000 in spending in the first three months), you’ve gotta figure out where to stay. Now, what makes this offer so valuable is that it’s for any property, which led me to this:

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The Park Hyatt Maldives Hadahaa is possibly the chain’s nicest hotel. Located on its own island, and with room for only 100 people at a time, this hotel starts at $1000/night.

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I mean come on

But that’s for the cheapest season. You know what I’m gonna do? David and I (and some friends who I’ve convinced to join us) are going during the high season, when rooms are $1930. A stay for four nights would otherwise cost us $9,535. Or, y’know, free.

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If the Maldives aren’t your thing (because you’re afraid of sun? Or fabulousness?), there are plenty of other opportunities to use your free nights:

  1. Park Hyatt Vendome, Paris
  2. Park Hyatt Tokyo
  3. Park Hyatt Beaver Creek
  4. Park Hyatt Sydney
  5. Park Hyatt Milan
  6. Park Hyatt Zurich
  7. Park Hyatt New York

These ones aren’t *quite* as expensive as the Maldives, but are definitely more accessible for people not looking to travel to the middle of nowhere.

All in all, the Hyatt Chase Visa gives a pretty awesome sign-up bonus. Using it well can give you almost $5000 worth of free hotel stays! That’s worth my spending any day.

-Carissa “let’s do that!” 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 Southwest Companion Pass: The Holy Grail of Reward Travel

What’s a Southwest Companion Pass?

Well, my friends, let me educate you. I am celebrating particularly hard today, because I finally managed to finagle the Southwest Companion Pass for myself and David. I first learned about this thing almost a year ago, and I’ve been dancing with anticipation for 2017 to come, because qualifying for the pass (in January of the current year) quite literally means 2 (almost) years of buy one get one free travel for you and your luckiest friend.

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And I’ve finally done it! I’ve designated David as my companion, (for obvious reasons) and from now until 31 December 2018, whenever I fly Southwest, he is able to accompany me for free. No matter what the ticket. Southwest’s route map is extensive, and they’ve recently added new international travel too! Can you say Cancun?

So how do you get this pass? There are a few different methods:

1. Fly 110,000 miles in one calendar year on Southwest Airlines. (AIN’T NOBODY GOT TIME FOR DAT)
2. Fly 100 one-way flights in one calendar year (NO SERIOUSLY NO ONE HAS TIME FOR THAT)
3. Game the system with credit card reward bonuses

Which one do you guys think I did? (Though I used a different one than the one I’m about to detail below, a great loophole that Southwest is finally closing up.)

It’s actually quite simple. Southwest has three separate credit cards that they offer through Chase bank. Each credit card has a bonus attached to it, which qualifies as mileage through Southwest Airlines in order to earn the pass.

The first, called the Southwest Rapid Rewards Plus credit card, currently has a sign-up bonus of 50,000 points.

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Here’s the Link

Spending $2,000 on this card within three months (though ideally you’d do it as quickly as possible in order to earn the pass as quickly as possible) will net you a total of 52,000 points toward the 110,000 you need for the pass.

The second card is Southwest’s business version of the rapid rewards card, called the Southwest Rapid Rewards Premier Business credit card, is earning a 60,000 point sign up bonus. This is a limited time offer, so signing up now is the best idea if you want to get these points. (It goes back down to 50,000 points)

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Here’s the Link

If you guys are concerned about getting a business card, see my post from yesterday. It’s cool, seriously. Anyway, that card will net you 63,000 points after meeting $3,000 worth of spend in the first three months.

The third card you can apply for is called the Southwest Rapid Reward Premier credit card, and will also offer you 50,000 points after $2,000 in spend in the first 3 months.

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Here’s the Link

I would personally go for the first two cards outlined above, simply because the Plus card has a $69 annual fee, whereas the Premier card (both of these are personal cards) has a $99 annual fee, and you earn the same 50,000 point bonus for either.

So, after getting two cards (if you get one business and one personal), you’ll have earned 115,000 points, (including the points you’ll earn from meeting the minimum spend requirements) which will qualify you for the Companion Pass! How easy is that? Do you have someone you like/want to travel with? Then get this pass! It’s the holy grail of travel rewards and is so easily achievable right now, there’s no excuse not to!

Keep in mind that you should have good credit before attempting this (or any reward travel, for that matter). Otherwise, it’s free game! Have fun!

-Carissa and her Companion David

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