It used to be that just one or two of my credit cards offered any type of coverage for cell phones. When phones were less expensive and U.S. mobile providers were subsidizing the full cost, having insurance on your phone wasn’t viewed as being important. Now that more popular phones cost around or over the $1,000 range, and repair prices vary from $100 for a cracked screen to several hundred dollars for more severe damage, having a policy where you only need to pay a $50 deductible is an appealing option.
Customers were paying for their own coverage but the banks saw an opportunity to differentiate their product by offering Cell Phone Protection as a perk of their cards. Offering this benefit requires paying your cell phone bill with that card, so for the bank this is an excellent way for them to get you to put your recurring cell phone bill onto their card for month after month.
Continue reading “Credit Cards Are Adding Cell Phone Coverage But Benefits Aren’t All The Same”
I have a quandary. I’m no longer sure what card to use for my travel expenses. It used to be pretty clear cut. There was the card I used when I wanted to get travel protection. I had a card that earned the most points for expenses that other cards didn’t cover. I even had a card to use for my tolls and UBER expenses.
Well, things change. Some cards devalue while others become more valuable. So where do I sit right now when it comes to travel charges?
Continue reading “The Cards I Am Now Using For Travel Expenses”
Back in 1973, shortly after the opening of Disney World in Orlando, four high rise hotels opened on Disney property. These weren’t highly themed Disney hotels like the Polynesian or Contemporary. Instead, these were regular hotels run by well-known chains at the time such as TraveLodge and Howard Johnson’s.
The Howard Johnson’s was eventually bought by Marriott and run as a Courtyard property until 2003. In a case of the worst/best timing of buying a hotel, it was sold and turned into a Holiday Inn in December of that year, only to be massively damaged by Hurricane Charley in August of 2004. It didn’t reopen until 2010 after a $35 million dollar renovation. It just went through another renovation in 2018.
The Holiday Inn is now one of the Disney Springs Resort Area Hotels. While they are not run by Disney, they are still on Disney property. The benefits afforded to these hotels is the reason we booked a night here on the opening weekend of Star Wars Galaxy’s Edge at Disney Hollywood Studios.
Continue reading “Hotel Review: Holiday Inn Orlando – Disney Springs Area”
I use examples from my own life in this blog to serve as an example to everyone else. Whether it’s a silly mistake that I’ve made when booking a flight or a great redemption, I feel there’s always something to be learned. So when I had the same thought go through my head twice in the same week, it has to be something that others have pondered over as well, right?
For example, say that you find somewhere you can redeem miles or points for a free flight, hotel room or rental car. You get ready to finalize the booking but there’s a voice in the back of your head telling you this isn’t the best redemption and you should just pay cash and save your points. You’ll even earn points if you pay cash. These points are worth X and you’re merely breaking even. Save your points for later.
You know what you need to do with that voice? Imagine that your brain is made of tiny boxes, and find the box that’s saying you shouldn’t redeem your points and CRUSH IT!! OK? (Brownie points to anyone who gets the reference and posts in the comments!)
Maybe it’s not even your inner voice but a post on some website or a Facebook group comment that told you you’re using your points wrong. Know what?
Here are the two instances I had where I had to just take a deep breath and spend my points or miles:
Continue reading “Pro Tip #7 – Spend Your Points Already!”
When it comes to hotel loyalty programs, IHG Reward Club is one of the easier ones to understand. You earn points that you can redeem for hotel rooms. That’s pretty much it. No worrying about if you’re supposed to get a suite upgrade (you’re not) or a free breakfast (not unless everyone at the hotel gets one anyway).
Their co-brand credit card shares that no-nonsense sensibility. You don’t have to choose between multiple tiers of cards like you do when getting a Marriott or Hilton credit card. IHG only offers one card. But that single card offers some pretty great benefits for a reasonable annual fee which makes it a great card to consider adding to your collection.
Here are six reasons you should consider getting the IHG Rewards Club Premier credit card from Chase:
Continue reading “Six Reasons You Should Consider Getting The IHG Premier Card”