-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
GET MORE WRINKLE PREVENTION. 3X Wrinkle-Fighting Ingredients vs Regular Bounce Sheetsbased on wrinkle relaxing/fighting ingredients vs. Bounce dryer sheets
FIGHT STATIC CLING. Enjoy clothes with noticeably less static
FEEL EXTRA SOFTNESS. Bounce provides extra softness straight from the dryer
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This was selling for $69.99 yesterday and is now the lowest price ever from Amazon.
AIR FRY LIKE NEVER BEFORE: Looking for the perfect countertop air fryer? You’ve found it. The Chefman TurboTouch Air Fryer is the world’s fastest, healthiest, and most convenient way to cook. With four built-in cooking functions, you can air fry crispy chicken, fresh fish, succulent steak, and golden French fries to a flawless finish with little to no oil. Adjustable temperature control of 200°F to 400°F makes it easier than ever to achieve absolute perfection.
TAKE CONTROL OF YOUR COOKING: The search for simple one-touch cooking has come to an end. With intuitive digital control, you can seamlessly select your preset, program your time and temperature, and start air frying in seconds. It gets even better—a built-in LED reminder lets you know when it’s time to give your food a shake.
COOK FOR A CROWD: Compact with a family-sized capacity—what more could you ask for? The 5-quart basket capacity maintains a small footprint on your countertop, while still allowing you to cook comfort food favorites and mouthwatering meals for the entire family!
CARE-FREE CLEANUP: The TurboFry Air Fryer has the full package—powerful cooking and striking presentation. The sleek, stainless steel exterior displays beautifully on your countertop, but is also extremely simple to stow away. When you’re done cooking your dish, wipe down the exterior with a damp cloth. All accessories are dishwasher-safe, and the nonstick basket is incredibly easy to clean.
RESOURCES: cETL approved with advanced safety technology for long lasting durability, & 1-year warranty provided by Chefman, so you can purchase worry-free – we’ve got your back! For information on how to use your product, scroll down for a PDF User Guide. 1500 Watts/120 Volts – RJ38-SQSS-5T
This is the same product as this 15 pound Burlap Bag of rice which has fantastic 4.7 star ratings from 6,300+ reviews. This is the lowest price for either of these products ever from Amazon.
-OU-Parve.
GREAT TASTING: Long and fluffy grain, naturally aromatic and aged over 12 months for the perfect non-sticky texture and a delicate, sweet flavor.
EASY TO COOK: Rice is ready in about 15-20 minutes and is great for curries, pilafs, stir-fries, or as a side on it’s own.
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NUTRITIOUS: Our Royal Basmati rice is vegan, non-GMO, naturally gluten-free, kosher, Halal, and non-fat
QUALITY: Brought to you from Royal, America’s Best-Selling Basmati rice
This was selling for $78.07 yesterday and is now the lowest price ever from Amazon.
-OU-Parve.
PREMIUM COFFEE IN A K-CUP—Starbucks delivers exceptional coffee cup after cup with Sumatra dark roast coffee—96 total K-Cup pods for Keurig brewers
STARBUCKS SINGLE-ORIGIN SUMATRA COFFEE—This full-bodied single-origin dark coffee has notes of rich herbs and rustic spice
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NEW LOOK. SAME TASTE.—Starbucks Single-Origin Sumatra coffee has a new packaging look, but the same great taste you know and love. You may receive either package during our update
ETHICALLY SOURCED—Starbucks is committed to 100% ethical coffee sourcing in partnership with Conservation International
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
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What better time to treat you and your spouse to a beautiful arrangement of Roses from Rose Box NYC than Shavuos? Each and every one of these stunning arrangements are made with Real Roses that have undergone a special preservation process to keep them fresh for an Entire Year – no maintenance is required!
Rose Box NYC is currently running a 20% Off Sitewide Sale! Plus, DansDeals readers get an Extra 20% Off any Purchase over $199 with Promo Code: DD20
Real Roses that have undergone a special preservation process to keep them fresh for an Entire Year – no maintenance is required!
Don’t Miss out on gorgeous Rose Box Centerpieces from Rose Box NYC that stay fresh for an entire year. Words can not adequately describe these beautiful arrangements; make sure to visit the website and check them out for yourself.
There is something for every taste and price range.
Want your Rose Box for Shavuos? No problem! Rose Box NYC offers Free 2 business Day Delivery to New York and New Jersey on all Orders over $150 plus next business day options to all over the US. Just make sure to place the order before their 3:00 p.m. deadline. They also offer same day white glove delivery and pickups in Manhattan.
Rose Box NYC is offering Free Standard Shipping on all orders over $150.
They also have white glove delivery in Manhattan and a Pickup Location in Manhattan for same day orders.
Dan’s Note: I was sent a dozen red roses Centerpiece last year and JJ was sent a Custom 15 Roses Jewelry Box as a sample to review. Before they arrived I was skeptical that they might look fake, but they really do look just like high quality fresh roses from the florist! Better yet, you don’t need to trim or water them!
It’s been over a year now and the roses still look fantastic!
Chase points normally transfer into Marriott points at a 1K:1K ratio, but until 8/19/22 you can get 1,500 Marriott points for every 1,000 Chase points.
That’s not a particularly good deal. I’d value Marriott points at about 0.65 cents each, so with typical usage you would only get a value of 1 cent per Chase point or so. You can do much better with other transfer or redemption options.
Alternatively, you can click on buy points and login here to spin the wheel and purchase Marriott points with a bonus. I can buy points with a 45% bonus, which comes out to 0.86 cents per point. If you value your Chase points higher than 1.29 cents each (which you should if you have aChase Sapphire Reserve® card) you may be better off just purchasing Marriott points rather than transferring from Chase, even with a 50% bonus.
If you need some Marriott points for a niche lucrative hotel redemption then it can make sense to transfer or purchase points.
For example a 5 night stay in an overwater villa in the Maldives can be had starting at 217K Marriott points, or 144K Chase points at hotels like the Le Meridien Maldives, Ritz-Carlton Maldives, W Maldives, or S. Regis Maldives, where you can often get outsized value for your points. I’ve stayed at the latter 2 and they are heaven on Earth!
5 nights at The Al Maha Dubai Resort, which has villas with private pools as their base room, all meals included and 2 daily desert activities included can be had for 346K points. Paid rates for 5 nights range from $7,500-$12,500, making for an exceptional value.
If you transfer Marriott points into airline miles at 60K increments you get a 25% bonus, so it can also make sense to transfer if you need a few points to hit a 60K increment.
60K Marriott points converts into 25K airline miles or 27K United miles, so it won’t be worth transferring Chase points just to transfer to an airline as it would take 40,000 Chase points to get 60K Marriott points with this transfer bonus. That is unless you really want miles with a Marriott partner like Aegean, Alaska, American, ANA, Copa, Delta, Etihad, Hawaiian, Korean, LATAM, Qantas, or Turkish that don’t transfer directly from Chase and you’re willing to accept a 40K:25K transfer ratio.
If you, a member in your household, or an authorized user has one of the following Chase cards, you can transfer points into miles:
The Chase Sapphire Preferred® Card has an 80K signup bonus ending today at 5:59pm, earns 2.1 points per dollar on travel, 3.1 points per dollar on dining, streaming, and online groceries, can transfer all Chase points into miles, and points are worth at least 1.3 cents each for paid travel or pay yourself back categories ($95 annual fee). Read more here.
TheChase Ink Preferred® Cardhas a 100K signup bonus and earns 3 points per dollar on shipping, advertising, and travel, can transfer all Chase points into miles, and points are worth at least 1.25 cents each for paid travel or pay yourself back categories ($95 annual fee). Read more here.
Chase no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:
The Chase Ink Cash® Cardhas a record high 75K signup bonus and earns 5 points per dollar on cable, TV, telecom, cellular, office supply stores, and gift cards from office supply stores, plus 2 points per dollar on dining and gas ($0 annual fee). Read more here.
TheChase Freedom Flex℠ Card has a 20K signup bonus, plus 5 points on rotating categories, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
The Chase Freedom Unlimited® Cardearns 3 points per dollar on up to $20K in purchases for 1 year, at least 1.5 points per dollar everywhere, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
Chase transfer partners include:
United (Star Alliance)
Air Canada (Star Alliance)
Singapore (Star Alliance)
Air France/KLM Flying Blue (Skyteam)
British Airways (OneWorld)
Aer Lingus (OneWorld)
Iberia (OneWorld)
Emirates
JetBlue
Southwest
Virgin Atlantic
Hyatt
IHG
Marriott
Will you transfer any points to Marriott with this promo?
Dealers have been enjoying the higher prices brought about by the recent shortage and are aiming to keep those prices rising by getting rid of your auto Broker and giving them the monopoly to charge the consumer whatever they want!
They are doing this with a proposed bill in Senate that would put restrictions on auto brokers / leasing companies that would make it impossible for them to operate
If you are enjoying the comfort, convenience, and personal attention from your Auto Broker / Leasing Company and would like to have that option in the future please click below to oppose this bill
Chase is back with another 30% transfer bonus offer for Avios for transfers through 7/31/22.
Chase points normally transfer into Avios at a 1K:1K ratio, but with this bonus you can get 1,300 Avios for every 1,000 Chase points.
I typically use my Chase points for Hyatt and United transfers, though some other airlines also offer a compelling value. AMEX runs periodic transfers 20%-40% transfer bonuses for BA Avios, so it has never been worthwhile to transfer Chase points to BA unless there’s a compelling redemption that you’re ready to book.
If you use Pay Yourself Back to get back 1.3-1.57 cents per point you’ll need to get a value better than 1-1.2 cents per Avios to make this a worthwhile transfer. That is certainly possible, but I’d only make that transfer if you have a redemption to make in the near future. It’s not a good idea to speculatively transfer bank points into miles.
Personally I value Chase points at about 1.6 cents each and Avios at about 1.2 cents each, so transferring Chase points into Avios wouldn’t make sense unless there was a specific award redemption that exceeded a value of 1.23 cents per Avios.
If you, a member in your household, or an authorized user has one of the following Chase cards, you can transfer points into miles:
The Chase Sapphire Preferred® Card has an 80K signup bonus ending today at 5:59pm, earns 2.1 points per dollar on travel, 3.1 points per dollar on dining, streaming, and online groceries, can transfer all Chase points into miles, and points are worth at least 1.3 cents each for paid travel or pay yourself back categories ($95 annual fee). Read more here.
TheChase Ink Preferred® Cardhas a 100K signup bonus and earns 3 points per dollar on shipping, advertising, and travel, can transfer all Chase points into miles, and points are worth at least 1.25 cents each for paid travel or pay yourself back categories ($95 annual fee). Read more here.
Chase no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:
The Chase Ink Cash® Cardhas a record high 75K signup bonus and earns 5 points per dollar on cable, TV, telecom, cellular, office supply stores, and gift cards from office supply stores, plus 2 points per dollar on dining and gas ($0 annual fee). Read more here.
TheChase Freedom Flex℠ Card has a 20K signup bonus, plus 5 points on rotating categories, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
The Chase Freedom Unlimited® Cardearns 3 points per dollar on up to $20K in purchases for 1 year, at least 1.5 points per dollar everywhere, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
In 2011 BA launched the Avios program and it provides a great value for short-haul flights. Unfortunately their domestic OneWorld partner, American, has been stingy with award availability since they merged with USAirways, but there are still bargains to be had. You can also now book Alaska Airlines awards on BA.com.
There are no expedite or close-in fees for last minute award ticket bookings with BA Avios.
Earning or redeeming any amount of Avios extends your entire account validity for another 36 months.
You can cancel tickets and redeposit miles for the lesser of $55 or the taxes you paid. That means you pay just $5.60 to cancel a one-way domestic itinerary (and you always should book domestic flights as one-ways).
British Airways only charges 10% extra miles for a lap child flying internationally, even when traveling on AA. AA and other domestic carriers charge a whopping 10% of the full fare, which can add up to be a small fortune.
BA.com does not display all available awards, so you’ll have to call BA sometimes to book an award.
I’ve booked dozens of short-haul tickets using Avios for travel on American. A Cleveland-NYC ticket can cost $1,200 round-trip if you don’t stay for at least 3 days. That means you can get a value of 8 cents per mile.
You can save Avios on some routes by with Iberia Avios. Iberia’s awards start at 11K Avios round-trip. However Iberia partner awards are not changeable or cancellable, so you’ll typically want to use British Airways Avios to book partner award travel.
British Airways 5th Freedom Flights (flights that don’t depart from or arrive to the UK) have significantly lower fees. For example even though Singapore-Sydney is a longer flight than NYC-London the fees in first class on Singapore-Sydney are less than half of those from NYC-London.
As long as you have earned a single Avios within the past 12 months then fuel surcharges for intra-Europe and intra-Africa flights will be very low. You can transfer points from AMEX, Chase, or Marriott to activate that benefit.
You can save Avios on some routes by with Iberia Avios. Iberia’s awards start at 11K Avios round-trip. However Iberia partner awards are not changeable or cancellable, so you’ll typically want to use British Airways Avios to book partner award travel.
Sample uses (Don’t forget you’ll also get a 30% bonus for transferring points from Chase into Avios!) :
6,000 Avios is enough for a one-way short-haul ticket from Iguazu Falls-Sao Paulo, Johannesburg-Victoria Falls, Hong Kong to Taiwan, and Melbourne to Sydney.
7,500 Avios is enough for a one-way short-haul ticket between New York and places like Boston, Cleveland, Detroit, Montreal, Pittsburgh, or Toronto, or between Miami and the Bahamas or Cancun or Palm Springs to San Francisco.
9,000 Avios is enough for a one-way short-haul ticket between New York and places like Bermuda, Chicago, Miami, or Orlando, or between Denver to Seattle or LA and Cabo on OneWorld partners Alaska or American.
11,000 Avios is enough for a one-way flight between Chicago and LA, Detroit to Seattle, Hong Kong to Singapore, or JFK to Cancun.
13,000 Avios is enough for a one-way flight between the west coast and any of the Hawaiian islands, Seattle to Kauai, Seattle to Cancun, Chicago to Anchorage, or JFK to Los Angeles.
20,750 Avios is enough for a one-way flight between Dallas and Hawaii or New York and London (though you’ll be hit with fuel surcharges for crossing the Atlantic on most airlines).
25,750 Avios is enough for a one-way flight between New York and Brazil or Argentina.
36,250 Avios is enough for a one-way flight between the US and Hong Kong in coach. Note that Hong Kong is an exception route and routes like JFK-Hong Kong are charged as a zone 8 award even if it should be a zone 9 award.
Will you transfer points to BA Avios with this bonus?
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
This was selling for $279 yesterday and is now the lowest price ever from Amazon.
FIRM SUPPORT, PLUS MORE – Our firmest mattress ever is engineered with heavier gauge steel independent pocket innersprings for added stability and extra firmness, ideal for stomach sleepers and plus-sized individuals
SUPPORTIVE FOAM & POCKET SPRINGS – Soft comfort foam, durable high-density foam and motion-isolating independent pocket springs with a quilted jacquard cover offer a firm feel that’s perfect for stomach sleepers and those who enjoy a very firm mattress
CERTIPUR US CERTIFIED – Highest quality foam is CertiPUR-US Certified for durability, performance, and content
EXPERTLY PACKAGED – Our technology allows this mattress to be efficiently compressed into one box that’s easily shipped and maneuvered into the bedroom; simply unbox, unroll and this mattress does the rest, expanding to its original shape within 72 hours
Worry-free 10 year limited warranty included; twin mattress supports a maximum weight of 250 lbs, while all other sizes can support up to 500 lbs
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
No more wasting paper – the Rocketbook Flip top-spiral notepad is perfect for handwriting notes and drawing diagrams.
Blast your handwritten notes to popular cloud services like Google drive, Dropbox, Evernote, box, OneNote, Slack, iCloud, email and more using the free Rocketbook application for iOS and Android.
Allow 15 seconds for ink from any Pilot Frixion pen, marker, or highlighter to dry in order for it to bond to our specialized pages – just wipe clean with a damp cloth to start over.
This top-bound notepad contains a double-sided combination of lined and dot-grid pages that allow you to turn your notebook over for a new page layout.
Includes 1 Rocketbook Flip Executive Size (6″ x 8. 8″) Notebook, 1 Pilot Frixion Pen, and 1 Microfiber Cloth
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
Place your order online at ytcte.org/auction/dd2. Choose any prize: the $3,000 sheitel of your choice, the $10,000 grand prize, seforim shopping spree, furniture, the latest tech, and so much more.
If your order number ends in zero, email your receipt to auction@ytcte.org and we’ll send you a $20 Amazon gift card!
It’s been surreal seeing friends and readers send me newsstand pictures from Jerusalem to New York, Miami, Los Angeles, Chicago, and more:
A couple of weeks ago, the magazine reached out to see if I would talk about Lufthansa’s fiasco in Frankfurt. I shy away from most interview requests, but Nesanel Gantz is nothing if not persistent and he got me on the phone. The conversation turned when he asked why a points and deal blogger was the one that did a thorough investigation that shined a light on Lufthansa’s action, to the point that it was picked up by the Washington Post (archive version here) and The New York Times (archive version here).
When covering news stories, my preference is to get firsthand information. That’s why I spoke directly to people who have been kicked off JetBlue, Spirit, and Frontier flights for the most egregious sounding mask incident removals, which led to this PSA.
The most highly read DansDeals post in history was this MH370 story which I investigated and then went viral.
When the Ami asked about my favorite mileage redemption (page 12-13 of the PDF), the last part of my answer was omitted, but I’m happy to share that here,
“The most unique was the time I spent about a million Starpoints to throw out the first pitch before game 7 of the 2016 World Series in Cleveland. I’ve always been an avid baseball fan since my grandfather took me to countless ballgames from when I was a little child until today and getting to bring him, my wife, and JJ onto the field as I got called up to take the mound was something surreal. An ESPN writer Tweeted at the time that I could have used the points to stay in the S. Regis NYC for a month with those points, but who dreams about that anyway?
Once Starwood got bought out they started selling the right to throw out the first pitch and last year it went for $500,000, so it may just have been my best mileage redemption ever at about 50 cents per point!”
Even though it says temporarily out of stock you can still order it now to lock in this price.
This was selling for $235.75 yesterday and is now the lowest price ever from Amazon.
The graceful curves of this ash wood chair are combined with everyday durability. It’s light, portable, and perfect for the dining room, living room, or office. The soft, comfortable woven paper-rope seat is 100% natural.
21.9″W x 22.8″D x 31.5″H; seat height 17.8″
Ash wood frame with a soft and durable paper rope seat
The sturdy ash frame will stand the test of time, while the handwoven seat is easy to sink into.
No assembly required
Using a soft, damp cloth, wipe in the direction of the grain.
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
Mesugalimis an organization based in Israel, providing many services for autistic children and their families. Autism, varying in a broad spectrum of functionalities, places many hurdles and burdens on the affected children and their families. Mesugalim is there for them with assistance and encouragement.
Mesugalim runs a mini hotel in which they host autistic children for short-term periods of time, giving them the support and therapy they require and enabling the families to enjoy some quiet time and longed-after tranquility. During the holiday seasons in Israel, hundreds of autistic children participate in the Mesugalim camp programs, in order to give the families time to rejuvenate.
Mesugalim organizes special programs for the children and families while offering advice and professional guidance for the parents, and arranging meetings between parents of similar cases to share their experiences and support one another.
Mesugalimwas founded and established by a group of parents of autistic children, with the purpose of providing relief and assistance to others suffering likewise. Mesugalim is absolutely not meant to financially benefit anyone. All activities and programs are covered only by our dear sponsors.
And yes, travel on Qatar and stopping over in Doha is safe for religious Jews.
Currently there’s very good availability between Doha and cities like Atlanta, Boston, Chicago, Houston, JFK, Philadelphia, or Washington DC for travel in 2023.
If you transfer Marriott points to Air Canada’s Aeroplan mileage program between 5/20-5/31 you’ll get a 20% bonus.
Increments of 60K Marriott points would convert into 30,000 Aeroplan miles instead of the normal 25,000 miles.
Note that the Marriott transfer page has been Bonvoyed since the SPG merger and will only state that you’ll get 20K miles with a 60K point transfer. However you will also get a bonus 5K miles from Marriott with each 60K increment and you’ll get the bonus 20% from Aeroplan on top of that afterward.
The bonus miles will post to your account between the end of June to mid-July.
This was selling for $22.52 yesterday and is now the lowest price ever from Amazon.
100 eye-catching colors: wide range of standard rainbow-inspired colors
Free-flowing gel ink: smooth, efficient application and quick drying for smear-proof results
Fine-point tip: thickness of 0.7mm allows for creating thin lines for drawing and writing with exceptional detail
Refillable and clip-able: pre-filled with ink and ready to use; can be refilled when needed; pocket clip attaches easily to notebooks or pockets for portable take-along convenience
Stand included: rotating artist stand offers easy maneuverability and ultimate control
DansDeals will receive compensation if you are approved for a credit card via a link in this post. Terms apply to American Express benefits and offers, visit americanexpress.com to learn more.
With this promotion you’ll be able to redeem United award flights for less than 6K points each way!
Lifemiles is one of the rare mileage programs that doesn’t collect any fuel surcharges. United is another program that does not collect fuel surcharges, but AMEX points can’t be transferred to United as they are exclusively with Chase.
AMEX cards with transferable Membership Rewards points to Avianca include:
You can also transfer Marriott points to Lifemiles at a 60K:25K ratio, or Capital One or Citi ThankYou points to Lifemiles at a 1K:1K ratio.
Note that Avianca Lifemiles require earning activity every 12 months in order to stop your miles from expiring. Transferring points to Lifemiles will extend the points validity for 12 more months.
Lifemiles allows you to use cash+points on award tickets, where you can effectively buy miles from about 1.5 cents each on the award search results page. You do need to have 40% of the required miles in order to do this.
Avianca is a Star Alliance member and their Lifemiles program is an interesting one. Lifemiles can be used to book travel with partner airlines like United and Air Canada within North America.
Back when I used to give regular seminars I talked about many of the glitch cities that existed that allowed you to fly to Europe or Asia for just 12.5K Lifemiles, but a blogger managed to have them killed by complaining to the DoT about a flight that involved a trip from North America to Guam via Asia that Lifemiles used to count as a domestic US award.
They recently got rid of their award charts, so I set about figuring out what they now charge for awards.
On their old award chart, Lifemiles split up the US into 3 zones:
US Zone 1: Connecticut, Delaware, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, Washington DC.
US Zone 2: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Dakota, Oklahoma, South Dakota, Tennessee, Texas, Wisconsin
US Zone 3: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming
This used to be the one-way mileage requirements for travel within the US:
From/To
US Zone 1
US Zone 2
US Zone 3
US Zone 1
7.5K Coach
15K Business
10K Coach
15K Business
12.5K Coach
25K Business
US Zone 2
10K Coach
15K Business
7.5K Coach
15K Business
12.5K Coach
25K Business
US Zone 3
12.5K Coach
25K Business
12.5K Coach
25K Business
7.5K Coach
15K Business
The new formula isn’t published, but first I tried to figure out if it could be based off of the previous zones.
It soon became clear that the old zones are dead and things were working based on the distance of the flight.
I used GCMap.com to calculate the distance between airports and try to figure out what their new award chart is.
I included the distance flown in parenthesis in the sample routes below. Based on those I believe that Lifemiles typically charges:
6.5K miles in coach and 15K-16K miles in business for flights under 500 miles in distance.
7.5K miles in coach and 15K-16K miles in business for flights 500-799 miles in distance.
10K miles in coach and 15K-25K miles in business for flights 800-1,199 miles in distance.
12.5K+ miles in coach and 15K+ miles in business for flights 1,200+ miles in distance.
There are some exceptions. The short haul pricing only seems to apply within the US, as flights between NYC and Toronto or Montreal are 10K in coach or 15K in business. Chicago to Great Falls is 1,210 miles in distance and should cost 12.5K miles in coach, but only costs 7.5K miles. But for the most part, domestic routes in coach seemed to follow this formula.
Business class pricing though is all over the place.
Lifemiles used to always charge a $25 booking fee on top of tax, but now the booking fee is variable and starts at $10.
Note that Lifemiles also allows cash plus points. For example you can use 3.5K miles+$45 instead of 6.5K miles.
All of these routes are under 500 miles in distance, cost 6.5K miles each way in coach, and had a $10 booking fee:
Chicago-Kansas City (403): 6.5K coach, 15K business. $10 booking fee.
While I typically book all of my travel as one-way as that allows the most flexibility, with Lifemiles you’ll pay the booking fee twice if you book 2 one-way awards instead of a round-trip award.
It’s worth noting that Lifemiles has non-existent customer service and their website does not see all of the awards that it should, so you should always check for availability before transferring miles.
You can also check for a targeted Chase Offer for 5% back at Groupon, up to $6 back, through 6/15.
But there are advantages to Shutterfly direct as well:
You’re not locked into making the book as you don’t pay until checkout.
The Groupon voucher’s bonus value expires on 9/1/22.
You can make multiple books or add other items to get to the $79 free shipping threshold.
But if you just want to make one or two 8×11 hardcover photo books, you’ll save $10+tax and get 10% back by going the Groupon route. Plus you can check for Chase Offers for another 5% off. That’s a pretty sweet deal!
The 8×11 is my go-to book, we make one for every trip we go on and it’s always stunningly awesome! I’d highly recommend getting the 8×11 size over the 8×8 size.
The following codes can be stacked on the same order:
Use the following code for unlimited additional extra pages from Shutterfly (Exp: 6/1): EXTRAPAGES
Use the following code for 40% off everything from Shutterfly: 40OFF
If you order $49+ from Shutterfly after discounts are applied and before tax is applied you can get free shipping on the order with code (Exp: 6/11): SHIP79
Shutterfly photos and photo book book quality is far superior to photos and photo books from Snapfish/Amazon Photos.
The 8×11 is my go-to book, we make one for every trip we go on and it’s always stunningly awesome! I’d highly recommend getting the 8×11 size over the 8×8 size.
While the promotion calls it unlimited extra pages, there is actually a limit of 111 pages in a photo book.
A normal photo book only includes 20 pages. Each extra page normally costs $1.29-$2.29 each, so this represents a massive savings on photo books with lots of pages!
You can also upgrade to layflat pages for 40% off as well, which makes for an even more stunning photo book!
For example:
Normally, if you order 4 hardcover 8×11 books with 111 pages in each book, you would pay:
$39.99 per book
+$199.29 for 91 extra pages at $2.19 per extra page.
=$239.27/book or $957.08 for 4 books before any promotions. Even with a 50% off promotion, that’s a total of $478.54.
With this promotion you will pay:
$39.99 per book with unlimited free pages
Less 40%=$23.99 per book.
That’s a total of $95.96 for 3 books with 111 pages each, plus you’ll get free shipping!
If you spend $79, you’ll also get free shipping on other items that you buy.
For example, you can get up to 9,999 4×6 photo printsphoto prints for free with code: FREEPRINTS
Prints are limited to 99 per photo, you can add multiple photos and add 99 4×6 prints of each.
The prints will be free with free shipping on a $79+ order!
-All subscribe and save orders waive the add-on requirement and ship for free with no minimum order amount.
-Use Subscribe & Save for these prices. If you subscribe to 5 items then the lower price applies. If you add enough items before your next monthly Subscribe & Save order goes out then the price for all subscription items will automatically drop to the lower price with the 15% off. It can be worth adding more subscribe and save items before they ship so that you save 15% on all the items you subscribe to.
3.5-ounce tube of Benadryl Extra-Strength Cooling Itch Stopping Anti-Itch Gel for fast cooling relief from skin pain and itching from most outdoor itches
Provides relief from most outdoor itches associated with insect bites, sunburn, scrapes, minor skin irritations, burns, and minor cuts
Soothing anti-itch gel also provides relief from itching associated with rashes caused by poison ivy, poison oak, and poison sumac
Cooling gel formula contains 2% of the topical analgesic pain reliever diphenhydramine hydrochloride that works by blocking histamines to relieve itches associated with several ailments
Intended for use by those ages 2 and up, soothing gel offers itch relief for kids and adults alike and is great to keep on hand during outdoor activities such as camping, hiking or taking a walk with the family
Until 6/1 at 5:59pm ET, The Chase Sapphire Preferred® Card is currently offering an offer of 80,000 Chase Ultimate Rewards points after $4,000 of spending within 3 months. Read more here.
TheChase Freedom Unlimited® Cardis currently offering 3% cash back in the form of 3 Chase Ultimate Rewards points per dollar within 12 months on up to $20,000 in spending.
TheChase Freedom Flex℠ Cardis currently offering $200 cash back in the form of 20,000 Chase Ultimate Rewards points after $500 of spending within 3 months.
The Chase Ink Unlimited® Cardis currently offering a best ever $750 cash back in the form of 75,000 Chase Ultimate Rewards points after spending $7,500 within 3 months. Read more here.
TheChase Ink Cash® Cardis currently offering a best ever $750 cash back in the form of 75,000 Chase Ultimate Rewards points after spending $7,500 within 3 months. Read more here.
Current signup rules
All of the cards above are subject to 5/24 restrictions, read more about that here. Note that business cards, even Chase business cards, do not get added to your 5/24 count of recently opened cards. However if you want to open a new business card they will check your 5/24 count.
Additional user consumer cards from any bank are counted by the system towards your 5/24 count as they appear on your credit report. However you can have them manually excluded from the 5/24 count by calling reconsideration after you are rejected for a card and pointing out which cards are additional user cards and that you are not responsible for paying the balance on those cards.
You won’t get approved for a Sapphire Preferred or Sapphire Reserve card if you received a bonus for one of those cards within the past 48 months. You won’t be approved for a Sapphire family card if you already have an open Sapphire card. However you can change a Sapphire card to a Freedom Unlimited or Freedom Flex card, wait 2-3 days, and then apply for a Sapphire card, and you will get the signup bonus. If you apply and get rejected for being ineligible to open a Sapphire card due to these rules, your credit will not be pulled and your score won’t be affected.
As long as you are approved for a Chase Ultimate Rewards card, you will get the signup bonus.
If you are an additional user on someone else’s account you can still apply for the same card yourself and get the signup bonus.
You won’t get approved for a Freedom Flex card if you received a bonus for a Freedom Flex card within the past 24 months.
You won’t get approved for a Freedom Unlimited card if you received a bonus for a Freedom Unlimited card within the past 24 months.
If you apply and get rejected for being ineligible to open a Freedom card due to these rules, your credit will not be pulled and your score won’t be affected.
You can receive signup bonuses on Chase Ink cards multiple times. You can get the same card for the same business if you have a reason to need multiple cards or you can open the same card for different businesses.
Which cards are best?
All of these are excellent cards that each excel in their own areas. The good news is that you can convert from any of these consumer cards to another consumer card or from any these business cards to another business card as needed. There is no hard credit pull needed to change cards. You will only get a signup bonus for opening a new card, not for a card conversion. Note that some reps will only allow card conversions after you have had the card for 12 months.
How do these cards stack up against each other?
Ultimate Comparison Chart Of Chase Ultimate Rewards Cards
Create your own bifecta, trifecta, quadfecta, or quinfecta killer combo to supercharge your earnings
I’ve been talking about creating a Chase Trifecta since 2011. Over the years the components have changed, but the overall strategy to maximize your earnings has not.
As each Chase Ultimate Rewards card has their own benefits, the more diverse of a portfolio that you and/or your household has, the better you can optimize your spending. Chase allows you to transfer points between authorized users in your household, so you can maximize your spending and limit annual fees by taking advantage of household members. You can give authorized user cards to everyone in your household so that everyone can maximize their spending strategy.
You can transfer points from all of your Chase cards to your most valuable premium Chase card by clicking on combine points in the Ultimate Rewards portal.That portal also allows you to transfer points to authorized users, to airline miles, or to hotel miles. You can also check how much free travel or bonus category spending you’ve done on each of your cards in the portal. You can also book travel at a increased value of 1.25 cents or 1.5 cents by clicking on your most premium card in the portal.
Premium cards
The first key is to determine which of the premium cards to get. The no annual fee cards earn lots of points, but they can’t transfer points into airline miles and hotel points unless someone in your household has a premium card with an annual fee. There are 3 premium cards that will allow you to make those transfers, so someone in your household will want to have at least one of these cards.
The premium cards also don’t have foreign transaction fees.
The Sapphire Reserve is a consumer card with a $550 annual fee, but it’s actually only going to cost you $250 out of pocket. Or you can pay for part or all of the $550 annual fee with points at a value of 1.5 cents per point!
The signup bonus on this card is 50,000 points, worth $750-$1,000.
The card offers $300 in annual refunds that post automatically whenever you charge something that is categorized as travel, which includes airfare, Airbnb, car rentals, cruises, hotels, Lyft, subways, taxis, tolls, trains, Uber, UberEats, etc. It’s pretty easy to spend $300 over the course of a year given the wide range of eligible categories.
You’ll earn 3 points per dollar on hotels and car rentals booked through the Ultimate Rewards portal.
You’ll earn 5 points per dollar on Airfare booked through the Ultimate Rewards portal.
You’ll earn 10 points per dollar on Chase Dining booked through the Ultimate Rewards portal.
You’ll earn 10 points per dollar on Lyft through 3/31/25.
You’ll earn 10 points per dollar on $495+ Peloton purchases through 6/30/22.
You’ll get $120 back on Peloton membership fees through 6/30/22.
Cardholders get $5 monthly DoorDash credit. Credit expires every 3 months, so you can stack up to $15.
You’ll get a Priority Pass lounge membership that allows you to bring 2 guests with you into over 1,000 airport lounges. There are now many airports with restaurants that have $28 credit per person with Priority Pass membership. I’ve used that to get free granola bars, potato chips, fruit, and drinks to go!
You’ll get a full rebate every 4 years when you buy Global Entry/Pre-Check membership. That means you can skip the lines and forms when flying back from abroad and you can leave your shoes on, laptops in their bags, and go through metal detectors when flying from the US. It makes flying so much easier!
You’ll get free roadside assistance and a plethora of travel/medical/baggage insurance and benefits.
All of your Chase points can be used for a minimum value of 1.5 cents each towards travel if you have this card. Or you can transfer Chase points from any of your household’s cards into airline miles or hotel points.
Your points are worth even more with Pay Yourself Back. You can use points to offset purchases at Airbnb, dining at restaurants (including takeout and eligible delivery services), and select charitable organizations at a rate of 1.5 cents per point through at least 6/30 and the program is now a permanent feature of Ultimate Rewards. You also keep the points earned on purchases that you offset with points, which makes your points worth up to 1.57 cents each!
You can also pay back all or part of your annual fee at a value of 1.5 cents per point through at least 6/30 with Pay Yourself Back, so 36,666 points would cover the annual fee in full, plus you still get $300 in annual travel credit.
This is the only card that charges an annual fee for additional cardholders as they each get their own Priority Pass lounge membership. If you don’t care about that membership, you can always request replacement cards or non-metal to have spare cards. If you do add an additional user card you can cancel the card within 30 days to get back the fee. The secondary Priority Pass membership will be cancelled, but the credit card will still work as secondary Chase consumer cards have the same exact card number, expiration date, and CVV as the primary cardholder’s card.
The signup bonus on this card is 80,000 points, worth $1,200-$1,600 when used ideally.
This card now offers a 10% anniversary points bonus on all spending starting on 8/16/21. For example if you spend $20K on your card in a cardmembership year, you’ll get a 2,000 point bonus. The bonus does not apply to the signup bonus or bonus point categories. It has been years since this card last offered an anniversary point bonus and it’s great to see it return!
Get a $50 annual hotel credit as a statement credit when you book a hotel through the Ultimate Rewards portal starting with your account open date anniversary after 8/15/21.New Sapphire Preferred cardholders as of 8/16/21 can use this credit immediately!
Earn 5.1 points per dollar on all travel booked through the Ultimate Rewards portal.
Earn 3.1 points per dollar on select streaming include Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV.
Earn 3.1 points per dollar on dining.
Earn 3.1 points per dollar on online grocery shopping, excluding Target, Walmart, and wholesale clubs. The online grocery category includes purchases for grocery pickup and delivery that are placed online with grocery stores, specialty food stores, or delivery service merchants that classify as grocery store merchants such as Instacart (excluding membership and subscription fees). Meal kit delivery services are included in this category.
You’ll earn 5.1 points per dollar on Lyft through 3/31/25.
You’ll earn 5.1 points per dollar on $495+ Peloton purchases through 6/30/22.
You’ll get $60 back on Peloton membership fees through 6/30/22.
All of your Chase points can be used for a minimum value of 1.25 cents each towards travel if you have this card. Or you can transfer Chase points from any of your household’s cards into airline miles or hotel points.
Your points are worth even more with Pay Yourself Back. You can points to offset any Airbnb purchases and select charitable contributions at a rate of 1.25 cents per point through at least 6/30 and the program is now a permanent feature of Ultimate Rewards. You also keep the points earned on purchases that you offset with points, which makes your points worth up to 1.3 cents each!
Note:The Sapphire Preferred and Sapphire Reserve’s spending categories are similar, but Sapphire Reserve is no longer the clear winner that it once was.
While Sapphire Reserve still earns more points than Sapphire Preferred for travel not booked in the Chase portal (3 vs 2.1), you will be better off with Sapphire Preferred for most other purchases.
Still, the card are similar enough that you’ll only need one of them as part of an optimized spending strategy. Personally, I prefer the Sapphire Reserve as that card allows you to redeem all of your Chase points (including the points of an authorized user) at a minimum value of 1.5 cents per point on paid airfare, car rentals, hotels, and vacation activities. You will still get trip insurances, even when you use points to pay for the trip.
My goal is to receive a value of 2 cents per point via transfers to miles, but having a minimum value of 1.5 cents per point when mileage redemptions aren’t valuable can be very useful and it makes your points much more versatile.
That being said, Sapphire Preferred also makes your points more valuable and transferrable to miles and points at a much lower annual fee. Plus, you can signup for the richer Sapphire Preferred signup bonus and then upgrade to Sapphire Reserve at a later date.
It’s always important to check and see if you’ll do better with airline miles/hotel points for a redemption or if you’ll do better by just using Chase points for a redemption. You’ll also need to bear in mind the taxes owed on an award ticket and the miles you can earn by using Chase points towards a paid airline ticket or hotel stay. Finally you also need to bear in mind that it is typically free to cancel and refund an award ticket, while paid tickets may have free changes, but won’t have free cancellations.
The Ink Preferred is a business card with a $95 annual fee.
The signup bonus on this card is 100,000 points, worth $1,500-$2,000 when used ideally.
This card offers 3 points per dollar on up to $150K in annual spending on online advertising, shipping, and travel.
You’ll earn 5 points per dollar on Lyft through 3/31/25.
All of your Chase points can be used for a minimum value of 1.25 cents each towards travel if you have this card. Or you can transfer Chase points from any of your household’s cards into airline miles or hotel points.
Your points are worth even more with Pay Yourself Back. You can points to offset any purchases on internet, cable and phone services, and select charitable contributions at a rate of 1.25 cents per point through at least 6/30 and the program is now a permanent feature of Ultimate Rewards. You also keep the points earned on purchases that you offset with points, which makes your points worth up to 1.28 cents each!
The Ink Plus card is no longer offered to new customers. The Ink Plus card is a premium card with a $95 annual fee. Benefits are similar to the Ink Cash card, with 5 points per dollar earned at office supply stores and telecom, but it has a higher annual cap of $50K in 5x spending instead of $25K on the Ink Cash card. The Ink Plus card also earns 2 points per dollar on up to $50K of annual spending on gas and hotels and it has no foreign transaction fees. You can convert an Ink Plus card into any existing business card, but you can’t convert back to an Ink Plus card again.
The JPMorgan Reserve card is only available to JPMorgan private bank clients. It mimics the Sapphire Reserve card, with some added benefits like United Club membership and a credit line that is not reported on your personal credit report.
Non-premium cards
The next step is to determine which of the non-premium cards to get. These no annual fee cards earn lots of points, but they can’t transfer points into airline miles and hotel points unless someone in your household has a premium card with an annual fee. There are currently 4 non-premium cards to choose from, and it’s ideal for someone in your household to have 1-3 of these cards. These cards all carry a 3% foreign transaction fees.
This card is currently offering 3% cash back in the form of 3 Chase Ultimate Rewards points per dollar within 12 months on up to $20,000 in spending.
This card markets itself as earning 1.5% cash back, but really it earns 1.5 points per dollar everywhere. Used ideally, that’s 2.25%-3% back everywhere.
This card earns 3 points per dollar on dining and drugstore purchases, plus 5 points per dollar on travel booked via the Chase portal.
You’ll earn 5 points per dollar on Lyft through 3/31/25.
The signup bonus on this card is marketed at $750, but will actually come in the form of 75,000 points. Used ideally, those points will be worth $1,125-$1,500.
This card markets itself as earning 1.5% cash back, but really it earns 1.5 points per dollar everywhere. Used ideally, that’s 2.25%-3% back everywhere.
You’ll earn 5 points per dollar on Lyft through 3/31/25.
0% APR on purchases for 12 months, with the added benefit of there being no effect on your personal credit score as this is a business card.
Note: The Freedom Unlimited and Ink Unlimited cards are very similar, so you’ll only need one of these cards as part of an optimized spending strategy.
The signup bonus on this card is marketed at $200, but will actually come in the form of 20,000 points. Used ideally, those points will be worth $300-$400.
This card markets itself as earning 5% cash back in rotating categories, but really it earns 5 points per dollar in rotating categories. Used ideally, that’s 7.5%-10% back in rotating categories.
The maximum spending in the rotating categories is $1,500 per quarter.
Rotating categories have included restaurants, Amazon, Walmart, telecom, department stores, grocery stores, gas stations, wholesale stores, mobile payment purchases, and more.
This card earns 3 points per dollar on dining and drugstore purchases, plus 5 points per dollar on travel booked via the Chase portal.
You’ll earn 5 points per dollar on Lyft through 3/31/25.
0% APR on purchases for 15 months.
Note:The old Freedom Visa card is no longer offered but you can still change from another consumer Chase Ultimate Rewards card to it. The Freedom Visa is very similar to Freedom Flex Mastercard. The Freedom Flex Mastercard adds cell phone insurance, as well as 3x points on dining and drugstores and 5x points on travel booked via the Chase Ultimate Rewards portal. One potential downside of the Freedom Flex Mastercard is that Costco only accepts Visa, so the Freedom Flex Mastercard won’t work there. Generally speaking, this isn’t a good card for Costco anyway as it only earns 1 point per dollar there, but when Freedom has wholesale clubs or gas (which works at Costco) as the quarterly bonus then you may want the Freedom Visa. However, you can also purchase Costco Cash cards on Costco.com with a Mastercard that can be used in store.
The Chase Ink Cashis a business card with no annual fee.
The signup bonus on this card is marketed at $750, but will actually come in the form of 75,000 points. Used ideally, those points will be worth $1,125-$1,500.
This card markets itself as earning 2% cash back or 5% cash back in select categories, but really it earns 2 or 5 points per dollar everywhere. Used ideally, that’s 3%-4% or 7.5%-10% back in those categories.
The 2 point categories include up to $25,000 of annual spending on gas stations and restaurants.
The 5 point categories include up to $25,000 of annual spending at office supply stores and on internet, cable, and cell phone bills.
Stores like Office Depot/Max and Staples sell gift cards to hundreds of other stores and you’ll earn 5 points per dollar. If you shop at Amazon, Airbnb, Bed Bath & Beyond, Bloomingdale’s, BP, Cabela’s, Delta, DisneyLand/DisneyWorld, eBay, Express, Gap, Google Play, Groupon, Home Depot, iTunes, JCrew, Kohl’s, Lands End, LLBean, Lowe’s, Macy’s, Marshalls, Nike, Nordstrom, Safeway, Sears, Shell, Southwest, Starbucks, StubHub, Target, TJMaxx, Uber, Whole Foods, and more, you can be earning 5 points per dollar by buying their gift cards. Some gift cards are available online and many more are available in store.
Your local school or charity will be more than happy to accept donations of Amazon gift cards for supplies or any other useful gift cards for chinese auctions, raffles, fundraisers, etc. They will give you a tax deductible receipt for the full face value-the price you paid for the gift cards. And at the same time you’ll earn 5 points per dollar. So while doing good you can still get a nice chunk of points and you’ll save on your taxes.
You’ll earn 5 points per dollar on Lyft through 3/31/25.
0% APR on purchases for 12 months, with the added benefit of there being no effect on your personal credit score as this is a business card.
Creating a Killer Combo with Hybrid Points:
Having cards from the same bank that compliment each other can help you rack up the miles more rapidly and spend them more lucratively. The sum of a killer combo is worth more than its parts.
While airline miles and hotel points can allow you to get some truly insane values for your points, they can also be devalued at any time. That’s why I keep transferable points and send them over to airlines and hotels on demand as needed.
I call points like Chase Ultimate Rewards “hybrid points” as you can get an increased value for your points when they are used towards travel or you can transfer the points into airline miles or hotel points.
The increased value of points sets a minimum value you can get from your points and it protects you from points being devalued. You can get a higher value for your points by transferring them into airline miles and hotel points, but having the ability to use your points at an increased value for paid travel makes them into hybrid points. You can choose to redeem them for either paid travel or award travel, depending on which provides a better value.
Creating A Chase Quinfecta Killer Combo
Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.
A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Freedom Unlimited. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Freedom Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3 points per dollar on drugstores, 3.1 points per dollar on dining, streaming, and online grocery shopping, and 5.1 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points or use the pay yourself back feature. Read more about Freedom Unlimited here.
A Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.
A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.
A Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.
Or you can add a card like the Chase World Of Hyatt Card which offer exclusive promotions and award rebates for cardholders, and comes with an annual free night at Hyatt category 1-4 hotels. It’s my favorite hotel credit card and program and you can transfer your points to Hyatt to make your Ultimate Rewards points more valuable.
Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!
Once you have these cards and create your own killer combo, here is the the ideal way to spend
Everyday spending: Freedom Unlimited or Ink Unlimited 1.5x (2.25%-3% back)
Airfare: Sapphire Reserve 3x (4.5%-6% back) or buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Airfare booked via the Chase portal: Sapphire Preferred 5.1x (7.65%-10.2% back)
Airbnb: Sapphire Reserve 3x (4.5%-6% back) or buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Amazon: Buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Car rentals: Sapphire Reserve 3x (4.5%-6% back)
Car rentals booked via the Chase portal: Sapphire Reserve 10x (15%-20% back)
Cruises: Sapphire Reserve 3x (4.5%-6% back)
Drug stores: Freedom Flex or Freedom Unlimited 3x (4.5%-6% back)
Federal taxes (1.87% processing fee applies): Freedom Unlimited or Ink Unlimited 1.5x (2.25%-3% back)
Foreign currency transactions: Sapphire Preferred, Sapphire Reserve, or Ink Preferred depending on the transaction type.
Gas: Ink Cash 2x (3%-4% back or 5%-6% back on Chevron, Sheetz, or Texaco with Visa Savings Edge) or buy gift cards at office supply stores on Ink Cash 5x, or buy during Freedom 5x Quarterly spending (7.5%-10% back).
Gift cards for other stores or Visa gift cards: Ink Cash bought at office supply stores 5x (7.5%-10% back)
Groceries: During rotating quarter on Freedom 5x (7.5%-10% back), during the first year of Freedom/Freedom Unlimited 5x (7.5%-10% back), buy gift cards for stores like Safeway or Whole Foods at office supply stores on Ink Cash 5x (7.5%-10% back), or Freedom Unlimited 1.5x (2.25%-3% back).
Groceries online/grocery delivery: During rotating quarter on Freedom 5x (7.5%-10% back), during the first year of Freedom/Freedom Unlimited 5x (7.5%-10% back), or Sapphire Preferred 3.1x (4.65%-6.2% back).
Hotels: Sapphire Reserve 3x (4.5%-6% back)
Hotels booked via the Chase portal: Sapphire Reserve 10x (15%-20% back)
Lyft: Sapphire Reserve 10x (15%-20% back)
Office supplies: Ink Cash 5x (7.5%-10% back)
Peloton over $495: Sapphire Reserve 10x (15%-20% back)
Restaurants and restaurant delivery: Sapphire Preferred 3.1x (4.65%-6.2% back).
Restaurants booked via Chase Dining: Sapphire Reserve 10x (15%-20% back).
Rotating category spending (Up to $1,500 of mobile payments, gas, grocery, Amazon, Walmart in their respective quarters): Freedom 5x (7.5%-10% back)
Shipping: Ink Preferred 3x (4.5%-6% back)
Social media and Search Engine advertising: Ink Preferred 3x (4.5%-6% back)
Starbucks: Sapphire Preferred 3.1x (4.65%-6.2% back) or buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Streaming: Sapphire Preferred 3.1x (4.65%-6.2% back) or buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Telecom/Internet/Cell Phones/Cable: Ink Cash 5x (7.5%-10% back). However Ink Preferred 3x (4.5%-6% back) and Freedom Flex 1x (1.5%-2% back) come with cell phone protection.
Travel booked via Chase portal: Freedom Flex or Freedom Unlimited 5x (7.5%-10% back)
Uber/UberEats: Sapphire Reserve, Freedom Flex, or Freedom Unlimited 3x (4.5%-6% back) or buy gift cards at office supply stores on Ink Cash 5x (7.5%-10% back)
Wholesale Clubs: During rotating quarter on Freedom 5x (7.5%-10% back) or Freedom Unlimited or Ink Unlimited 1.5x (2.25%-3% back)
There are some caveats to all this of course…
This scenario is just for Chase cards and ignores other point currencies. It’s a good idea to have multiple currencies.
Using gift cards means the loss of credit card protections like extended warranty or air travel protections, so use them only when it makes sense to earn more points at the expense of potential protections.
You may want to prioritize Sapphire Reserve spending for travel related categories like Uber/UberEats before buying gift cards on an Ink Cash card if you otherwise would not hit the $300 in annual free travel spending.
The value received per point is highly variable based on how you will use it. The nice thing about having a killer combo with a Sapphire Reserve is that you’ll receive a minimum of 1.5 cents per point. 2 cents is a good goal to set, so just compare the cost of a ticket or hotel to the amount of miles you’ll need for it to see how much value you are receiving.
Business card information, benefits, and 5/24
The Ink cards are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business name. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.
It’s important to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork.
If you’re like me and you run more than one business you can signup for multiple of the same card for each business to manage each businesses expenses separately.
All Chase cards that earn Ultimate Rewards are subject to 5/24 restrictions. That means it will be nearly impossible to get approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Read more about that here.
However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.
Another benefit of business cards not reporting on your personal credit report is that your credit score won’t be hurt when you spend money on your cards. When you spend money on personal cards your score will be hurt even if you pay your bill on time. That’s because a whopping 30% of your credit score is based on credit utilization, so you lose lots of points even if you pay your bills before the statement due date. You can pay off your credit card bill before your statement close date to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On business cards from banks like AMEX and Chase the spending is not reported on your personal credit report, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.
The great thing about Chase Ultimate Rewards is how versatile and valuable they are
The Sapphire Preferred or Ink Preferred card allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.
The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.
If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point
If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
Chase tells me that Pay Yourself Back will be a permanent feature of the Ultimate Rewards program, and that categories will continue rotating. This adds value to the Ultimate Rewards program as you can buy anything from those stores, even gift cards to other stores, and make them free by redeeming points at a value of 1.25 or 1.5 cents each. The ability to get that kind of value from your points even when you’re not traveling is outstanding.
A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth more than 1.25 or 1.5 cents each!
If you spend $300 on dining on Sapphire Reserve, you can use 20,000 points to offset that purchase and make it free. Plus, you’ll still earn the 900 points for groceries or dining, so you effectively used 19,100 points to offset the purchase. That means your points were actually worth 1.57 cents each!
Plus you can offset all or part of the $550 annual fee on Sapphire Reserve by using points at a value of 1.5 cents each!
What cards do you have in your killer combo?
I have 16 active Chase credit cards, including all of the cards in the Quinfecta mentioned in this post (Sapphire Reserve, Sapphire Preferred, Freedom Unlimited, Freedom Flex, Freedom, Ink Cash, United Lifetime Club, and United Quest). I also have multiples of cards like Chase Freedom and Ink Cash as those cards have caps on their bonus spending categories.
That has allowed me to build up a nice stash of Ultimate Rewards points over the years:
By transferring points into airline miles and hotel points on demand as needed, I’ll make them worth far more than Chase thinks they are worth.
I don’t save the points as they don’t earn interest. Instead I spend 7 figures of miles every year and see the world in ways that I never imagined possible.
Some will call that crazy, but I just call it the best hobby on Earth.
So, which cards do you have to create a killer combo?
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