January 1st is a day that most frequent travelers hate to see. It’s when all the airline miles and hotel night counters reset to zero and they have to start all over again to try to reach status for the next year. Since I don’t worry about status, the start of the new year means that my travel credits have reset and I have some money to spend. Or do I?
I’ve given thought to ditching all of my premium cards but didn’t do it. If you’re like me and have a premium travel credit card (or five), hopefully, you’re aware of the travel credits these cards offer. Travel credits, ranging anywhere from $100 to $325, help to offset the lofty annual fees these cards charge. The trick is that you have to use the credits or they expire. To make things more difficult, the charges that are eligible for reimbursement and the procedures to get the credits are different for every card. Another difference between these cards is if the credits go by your membership year or the calendar year.
Continue reading “Have You Used Your Credit Card Travel Credits? When Do They Reset?”
Sometimes I think that if I had a superpower, it would be procrastination. I was the one pulling an all-nighter to write a term paper I had months to prepare. Even today, I sat in front of the computer for hours before I finally pulled myself together and started to write this post. It drives Sharon crazy (Note from Sharon: Mmmm hmmm…), but I just can’t help it.
Unfortunately, putting things off, even if only for minutes, can cause you to miss out on the travel deal of the year. I’ve learned to deal with the fact I’ll never be able to pull the trigger on the spur of the moment trip to New Zealand, even if the price is one that I’ll never see again.
Some travel deals last for longer amounts of time, like days or weeks and I’ll go back and forth about whether I want to participate.
Continue reading “There Are Times When It Pays To Procrastinate”
Priority Pass is a program that provides access to airport lounges and business suites as well as gives credits you can use at airport restaurants. While you can buy a membership in the program, most people from the United States have a Priority Pass Select card by having a credit card that provides membership as a perk. That’s where things get interesting. While the access to the club may be limited due to capacity issues, the cardholder will get in by showing their Priority Pass card (or a digital card if available). If you want to bring in a guest, each card has rules that are worded slightly differently and those small differences may cost you an additional $32 for each extra guest.
Continue reading “How Many Guests Can You Bring Into A Lounge With Priority Pass Select? It’s Complicated. (Updated October 2019)”
We’re more than halfway through September and it’s less than 100 days until Christmas. Christmas music is already playing on Sirius XM if you listen on the app (Note from Sharon: YAY!), and you should because now it’s included with even the cheap select subscriptions.
Besides getting ready to pull holiday decorations out of the attic, it means I have to give a good, hard look at my plans for our credit cards for the rest of the year.
Right now, I’ve finished with all of our spending requirements for new cards and I’ve almost reached the one spending threshold I set to achieve. That only means it’s time to look for new cards.
What’s out there that looks interesting to me? As a preface to my choices, I’m currently at 4/24 and Sharon’s at 5/24. I’m not looking at Chase right now for me because I already have 5 personal cards and 1 business card with them and I’m happy with that portfolio.
So what’s looking interesting for me right now?
Continue reading “What Cards Am I Looking At Before The End Of 2019?”
What do you think of when you hear the phrase premium credit card. Exclusivity? Luxury? Benefits? Perks? For a while, these cards offered all of these.
The grand daddy of the premium card is the American Express Centurion card. A card that’s so exclusive AMEX has to invite you and no one knows the requirements to get said invitation. What we do know is that the card has a $7,500 initiation fee and a $2,500 annual fee. Since I occasionally run a cash register for my day job, I’ve held a few of these cards over the years. It’s wasn’t nearly as exciting as I hoped.
Personally, I’m not at that level. However, I was able to get a base level of premium card from all the major banks. American Express Platinum, Chase Sapphire Reserve and Citi Prestige. So why have I reached the point where I’m considering not holding any of these cards?
Here’s the reason:
Continue reading “Why I’m Considering Ditching All Of Our Premium Credit Cards”