Sign Up Bonuses Archives - Your Mileage May Vary

Share Your World of Hyatt Referral Link

When I looked back at our hotel stays in 2018, we only stayed in three hotel chains and most of the stays were with Marriott and IHG. One of the hotel chains we didn’t use at all last year was Hyatt and one of the main reasons was because I don’t have any Hyatt points. I could always transfer Chase Ultimate Rewards points to my Hyatt account but I like to keep my options open and moving points to Hyatt for a hotel means that I won’t be able to use those points for something else. Time for me to get some Hyatt points.

One card that I’ve had on my radar since it was relaunched this summer is the World of Hyatt Credit card from Chase. It has great benefits with Hyatt, unique bonus categories and has a 60,000 bonus point sign up offer. News circulated last week that the signup bonus for this card will be reduced to 50,000 points as of January 9, 2019, so if I want it, I have less than a week to get the card. I’m currently under 5/24 with Chase so I’m eligible and I’m almost done with the spending requirement on the last card I signed up for. Perfect timing.

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This Travel Rewards Card Always Is In My Wallet

While I have many credit cards, the majority of them don’t get used on a regular basis. Occasionally they’ll get pulled out of the drawer when I get a specific bonus offer or if I need to use it to buy airfare so I can get a free checked bag, but there are only a few cards that earn an everyday spot in the wallet.

I recently realized that while this card has stayed in rotation since I’ve had it, I never wrote about all of the benefits the card provides.

I’m speaking of the Chase Sapphire Reserve. Here’s my review of the card that shook up the travel credit card market when it was introduced in 2016 (The card, not my review). You can also check out my articles about how happy I was when I finally got the card or why I decided to keep it past the first year.

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The Confusing Rules When Applying For Reward Credit Cards

I’m almost finished with meeting the spending requirement for the last credit card we were approved for, so that means it’s time to find and apply for a new card. As always, you should not be bothering with this if you have credit card debt. If that’s the case, your main goal should be to pay off the debt and increase your credit score, and THEN you can start applying for credit cards.

When applying for credit cards, it’s important to know the rules that you’ll need to follow for each bank when applying for a credit card, because they’re all different. Knowing these rules will allow you to continue to get approved for cards and collect the bonuses that will add to your balances. That, in turn, will allow you to meet your travel goals.

I’m going to stick to the “major” banks that issue reward cards (American Express, Citibank, and Chase and Barclays) because they are the ones you’ll be dealing with most of the time.
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What Are Authorized Users On A Credit Card And Should You Add Them?

When applying for a credit card you’ll usually see a place to add authorized users. The banks will phrase it like “ADD UP TO FIVE PEOPLE TO YOUR ACCOUNT FOR NO EXTRA CHARGE!” If you do this, the bank will send credit cards to everyone. Great, right? Maybe, maybe not. Here’s a quick rundown of what an authorized user is and why it may be a good, or a bad, idea to add one to your account.

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The Most Important Thing To Have When Earning Points and Miles

When people get exposed to the world of points and miles, it can seem like you’re able to earn points hand over fist with no effort. I mean, just do a few Google searches and you can find documents showing techniques on how to earn hundreds of thousands to millions of miles a year. Here’s where having the most important thing to earn points and miles comes in handy:

COMMON SENSE!!!!

I don’t want to sound like a prude but I just can’t help but shake my head when I read a post online asking “I just signed up for a card and met the $10,000 spending requirement in 8 days by buying money orders and gift cards. When can I cancel the card?”

Of course, there’s also the posts “I cycled $25,000 through my CC with a $5,000 CL by cashing in gift cards for money orders in one month. Chase just shut down my account, WHY??? Who can I complain to?”

Really? What are you thinking!?!?!?!? You wonder why you got shut down? Did any of what you did seem like “normal” in any way? Even more so because you just received the card 1 week ago. What should a bank think?

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