You know the feeling that you needed to do something but just can’t quite remember what it is? I had that feeling for the last three days of my business trip. It wasn’t until I arrived back home that I found out what I was forgetting to do.
In 2018, Chase and Hyatt relaunched their co-brand credit card and the World of Hyatt credit card was born. For a while, the card offered a sign-up bonus of up to 60,000 World of Hyatt points if you reached the tiered spending requirements. Eventually, the sign up bonus was reduced to 50,000 World of Hyatt points, which isn’t a bad offer and one that I’d still recommend if you have a use for Hyatt points. However, a new offer has surfaced and now you can choose between the two offers if you want to sign up for the card.
Which offer is better? Should you take the points or the free nights? As usual, Your Mileage May Vary.
As you may have read, we had a blowout trip through the American Southwest in 2017. For us, a fifteen night trip is an amazingly long time to be away from home. We could have stayed at the same hotel chain properties and worked our way towards some low level of status. However, it was much better for us to pick the best hotel for us in each location and use the most sensible form of payment, be it paying cash or using points. The same thing went for the flights, which were booked with a combination of cash and airline miles.
This was possible because I had a stash of points in several hotel programs as well as had transferrable credit card points. Some of the rooms I paid for because the hotels either weren’t part of any point program or there was a promotion that made paying with cash a much better value than using points.
Whether you’re a points and miles person, a cash back type or even if you only use a debit card, getting your card hacked eventually happens to everyone. Since I have a good amount of cards, I keep a close tab on my accounts looking for any unfamiliar charges. It makes it pretty hard for Sharon to surprise me with any presents, ’cause I see the charge before I get the gift, but that’s a trade-off I’m willing to make.
Back in November, I saw two separate $300 Ticketmaster charges for Orlando Magic tickets on my Sapphire Reserve. We’re not sportsing people and the charges weren’t ours, but since we live in Orlando, Chase’s systems didn’t flag them as fraudulent charges. I went online, filled out the form saying I didn’t make these charges (yay for no direct human contact) and was informed the charges would be removed. They canceled my card, sent me a replacement and a mailer to send back the indestructible metal card. I thought that was the end of the story, and it was, until now.
One of the credit cards I’ve had for the longest is the Disney Visa card issued by Chase. In fact, I’ve had many versions of Disney credit cards but when this particular card was launched, I’ve been a cardholder since, like my card says, “Day 1”
And yes, we do have the Tinker Bell version of the Disney card (Note from Sharon: my choice. But if they had the flamingo from Fantasia 2000, I’d get that one in a millisecond!).
So why do I keep this card? One reason is the card has no annual fee, so why not? Since I’ve kept it so long, it now helps my credit rating by increasing my average account age, one of the factors considered in your score. That’s enough of a reason to not close the card, but I find that for a Disney fan, this card provides several perks you only get by being a cardholder: