While you can get a quick boost to your points and miles balances through sign up bonuses, we earn a significant portion of our points through everyday spending. Earning miles while buying groceries or gasoline is not the most exciting part of this game but it’s important to try and get the most out of all your purchases. Paying attention to little things like this will help you build up a nice stash of miles. Continue reading “Credit Card Review: American Express Everyday Preferred”
Tag: Credit Cards
Credit Card Review: World of Hyatt Card
I’ve been signing up for hotel co-brand credit cards as a way to decrease our total out pocket spending on travel. Several cards have sign-up bonuses good for multiple nights at low-cost properties or a long weekend at a luxury resort. The most recent card I signed up for is the World of Hyatt credit card from Chase.
I’ll admit that Hyatt was a hotel chain I didn’t pay much attention to before I started earning Chase Ultimate Rewards. Once I was able to transfer points from Chase to Hyatt, I noticed that they had hotels with award space in locations I wanted to stay like Hollywood, Sedona, Key West, and Raleigh. NC.
Here’s a look at the World of Hyatt Card.
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What’s The Better World Of Hyatt Credit Card Sign Up Bonus – Points Or Free Nights?
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.
If You’re A Disney Fan, You Should Have The Disney Credit Card
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:
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The Pre-Trip Wallet Shuffle
Before going on a trip, there’s a ritual I go through involving our wallets. I need to go through them, remove cards we won’t need when traveling and replace them with the cards we will or might need when we’re out of town. Unlike packing, where I have a list I’ve perfected over the last 20 years, when it comes to our wallets, I have to wing it and make choices for each trip because every time is different.
Here are some of the questions I ask. Did I use a certain card to book something during the trip and need the card for confirmation? Are we flying on an airline where using the card for onboard purchases will give me a discount? Do I need a specific card to get into an airline lounge? Will we be buying groceries during the trip or will we be eating out all the time? Will we be renting a car? If so, I’ll need to bring a card that has primary LDW coverage as well as one that earns a good return on gas purchases.
While I’ve read about making a dedicated travel wallet so you don’t forget to bring any of the cards you only need when traveling, I’m more afraid I’d forget to put something in the travel wallet like my drivers license or my insurance card. I don’t think I’d ever hear the end of it if that happened (Note from Sharon: No. No, you wouldn’t BWAHAHAHA!). As usual, I take two approaches to making our wallets because while I will bring a different card for each category, Sharon will only allow me to give her one to two cards at the most for her to use, hereby named the card in the front of the wallet she’ll use for everything and the card behind it for if the first one doesn’t work somewhere.
