Credit Cards Archives - Page 2 of 3

Sep 18 2017

Earning and expediting Jetblue Mosaic Status with the Jetblue Plus card

One of my favorite çredit cards in my wallet is the Jetblue Plus card. It’s definitely not the sexiest card, but I’m at the point in my “career” where I choose my favorite cards based on my travel needs, not what everyone tells me. I’m not here to review the card – honestly I couldn’t tell you the value of the current sign up bonus. (Update: Googled it, 30K/$1000 at time of writing). While free checked bags and 2X points on groceries is good, the ability to earn Jetblue Mosaic status via the Jetblue Plus card is the reason I keep the card.

To earn Mosaic status, you need to spend $50K on the card in a calendar year. You can do this fairly cheaply thanks to the 2X on grocery spend (gas points FTW). Let’s take a quick look at the benefits of the Mosaic status and how to expedite your status. I finished my spend in August but still don’t have Mosaic status since it takes 4-6 weeks to update. But there’s a way around that gate!

You can earn Jetblue Mosaic status with the Jetblue Plus card. Though it takes months to update your account, here's how to get benefits quicker! — I did my first mileage run with Jetblue, and chased my first status with them too

Why I value Mosaic status

I had Jetblue Mosaic status last year and really enjoyed it. The basic status perks are:

Waived change and cancellation fees
2 free checked bags (but you get one with the Jetblue Plus card already)
~~15,000 bonus points upon qualification~~ (can’t get this via card spend)
Complimentary alcoholic beverages
Access to Even More Speed at security and priority boarding
Ability to buy Even More Space seats with points
Other stuff

Some of these benefits don’t present much value to me. TSA Precheck nullifies the benefit of Even More Speed, I don’t drink a lot on planes in economy because I constantly need to use the restroom, and I don’t need all the checked bags.

Waived change and cancellation fees, on the other hand, come in very handy, especially with a family. I earned a ton of points making my spend, points which have a fixed value (usually 1.3-1.6 cents per point). While that might not seem amazing, it should be pretty straightforward to earn for under that value.

The fact that Mosaic status allows me to change my award (and paid) flights without a cancellation fee comes in super handy. That way I can play with my itineraries to find flight times that work best for my family. I like to lock in preliminary flights early but tweak them if the price drops or better prices become available for more desirable flight times.

The second handy feature of Mosaic status is the ability to buy Even More Space seats with miles. You can purchase these seat upgrades for anywhere between 200-1000 points (give or take). Since those upgrades go for $20-$120 (give or take), this is a great deal, especially considering how easy it is to earn the points.

How to expedite your Mosaic status

The terms and conditions state that after you meet the spend, it may take 4-6 weeks for Jetblue to award your Mosaic status. According to the Barclays agent I spoke to, Barclays sends the information that you met the spend to Jetblue after the second statement close post spend. Past that it takes another couple weeks for Jetblue to update your status, it feels a little longer than 4-6 to me.

If you want to speed things up, there’s a way to do that. Give Jetblue a call and tell them that you have the Jetblue Plus card and you’ve met the 50K spending. At this point you should be transferred to a supervisor. If you want to be awarded Mosaic status as quickly as possible, they can call Barclays and confirm that you have met the spending. Then they start the internal machinery to award you your Mosaic status (1-2 weeks).

If you’re in a bit of a time crunch (or the supervisor is), they can also apply Mosaic benefits without actually giving you the status outright. I wanted to upgrade to Even More Space seats less than a week out from the flight I’m currently sitting on – my Mosaic status wouldn’t update in time.

The supervisor has the power to apply the benefits, not only did I buy this exit row seat for 800 points, I also cancelled a future flight with the cancellation fee waived at the same time. Wonderful!

So if you have met the spend for Mosaic status on your Jetblue Plus card and don’t want to wait for status or need to use the benefits, just call up Jetblue and they will help you out. From both supervisors I spoke to, it sounds like this is a fairly regularly thing. It’s great to see customer service agents use common sense – both mentioned to me that it was obvious I had made the spend because they could see how many Jetblue points I had earned via my credit card!

Final Thoughts

Jetblue Mosaic status is the first status I’ve ever chased, since its benefits are valuable to me. While it’s more of a low level status, there’s a lot that you can do. If you want to expedite your status or benefits, just call Jetblue. The status is good through the next calendar year so you can just keep repeating the 50K spend if you want to keep Mosaic status indefinitely.

May 02 2017

Do we overrate travel credits on high annual fee credit cards?

I thought long and hard about getting the new US Bank Altitude Reserve card. The card definitely looks like a potential big winner. People (not me) who can maximize the 3X mobile payments bonus might really have something on their hands. Ultimately, I decided to pass on the card for now. One of the main reasons for this is my belief that I’ve begun to overrate credit cards travel credits. I’ll present my reasons why and I’m also curious to hear what others think in the comments below.

This post serves as a bit of a corollary to my post on all the credit card annual fees I theoretically need to pay. Readers, you’ll be happy to know I’ve canceled/downgraded 3 cards since then with 2 more planned for this month. 🙂

You still pay a huge annual fee

I’ve long believed that getting, for example, a $300 travel credit on the Chase Sapphire Reserve means I’m essentially paying a $150 annual fee. This kind of language often gets used when people try to sell you credit cards. As my thinking about the game evolves, I’m not sure I quite believe that anymore.

Bottom line, you still pay $450 a year. Yes, you potentially get $300 of that back, but you still need to drop the cash up front. But if your finances are tight, you still need to front a significant amount of money. While that may not be my particular circumstance, the high annual fee that I actually need to pay in cash flows into all the reasons I am starting to find travel credits overrated. For my particular circumstance, of course.

When you have multiple travel credits, they become harder to redeem

While we just took a big trip to Hong Kong, for one reason or another we plan to travel less than usual for the remainder of 2017. (Related: two 15 hour flights with two little kids). We booked our Hong Kong flights on points and stayed in a relative’s apartment. That means the only travel credits useful to us on this trip came from Chase Sapphire Reserve. Admittedly, we have two of these, so that’s $600 in reimbursements, but we didn’t use all that up for our taxis and trains. (Hmm, should have tried to buy my Hong Kong Disney tix to test…woops).

Meanwhile, my three $200 AMEX Platinum airline credits and one $250 Citi Prestige airline credit lay dormant and useless. Now, if you state that you have $1450 in travel credits, that sounds great! But in reality, especially for a family that is cutting back on travel for a bit, that’s not particularly useful.

But you can buy airline gift cards with your travel credit! (But then you need to keep track of them)

So admittedly, my $600 in AMEX airline credits actually are no longer available to me. That’s because like any good travel hacker I redeemed them for airline gift cards way back in January. Now, again, I used to use this to justify the annual fee – I’m only paying annual fee minus travel credits total!

Well, you only get value from the travel credits if you actually use them. And between canceled Jetblue flights, United compensation, Delta compensation, and AA and DL travel credits from AMEX, I’m sitting on like $800-$1000 of travel credits. Credits that I likely will only use on domestic flights, which I’m taking very few of this year.

So, suddenly I need to keep track of all these credits that will not be used for awhile. It’s easy to make a mistake and just lose that “money”, which actually was never really money to begin with. So one thing I’d recommend is for you to ask yourself whether travel credits fit in with your travel goals. If not, you might find yourself losing flexibility or buying flights just to buy them and less because they fit in with your goals.

Travel credits and points can become mutually exclusive

If you’re traveling 10+ times a year this probably won’t be an issue for you. But I keep running into this problem where I can either use travel credits to pay for travel or use points. So I naturally opt for using my travel credits first, but then why did I earn all these points?

Basically, this comes back down to “resources you aren’t using are wasted.” You can hoard travel credits just like you hoard points and there are only so many rainy days. So make sure travel credits aren’t getting in the way of redemptions that you want to make. Which brings me to my most important point.

When you use travel credits, you are paying cash for travel

I think Free-quent Flyer said this somewhere awhile back (Update: he did! Further proof I am just three years behind his curve), but it never clicked with me. Travel credits = paying cash for your travel. You paid cash for your annual fee, and some of that cash went to pay for your travel. If I use $200 in AA gift cards that I got from AMEX Platinum, I paid $200 for those flights!

But what’s even worse is this. When I said above that I need to decide between using travel credits or points, what I’m actually deciding between is using money I already spent or points. Which is why using the travel credits is a no brainer.

But if your whole goal is to save the amount of cash you pay on travel, travel credits run counter to that. They force you to pay cash for your travel! And remember, you can’t invest points in your kids’ college education or your retirement, only cash. So if you pay cash for your travel in the form of travel credits, that’s less money into those accounts. Makes me think.

Final Thoughts

So yes, in the end, I think travel credits are a bit overrated. (Update: Dustin agrees with me too.) Don’t get me wrong, they are great, but from this point forward I’m not going to let them be a selling point in getting a credit card. A credit card must bring good value to me regardless of the travel credit, because the travel credit forces me to pay cash for my travel. Obviously this year is a bit of extreme for our family due to lighter travel loads (I hope to ramp up again in 2018), but I think I’ve learned a valuable lesson from it.

What do you think, are travel credits overrated or an important part of deciding whether to get a card? Let me know!

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Featured image courtesy of Pixabay

Apr 25 2017

Chase Sapphire Reserve for Dummies

I came up with a brilliant idea the other day. Write about a credit card almost half a year after everyone stopped hyping it! People will love it! Joking aside, a friend of mine, who will remain unnamed to protect her innocence, apparently did not know the Chase Sapphire Reserve offered a Global Entry credit. So she stood in line for forty five minutes watching her parents breeze through TSA Precheck. A lot of people who signed up for the Chase Sapphire Reserve have dipped their toes into the miles and points game for the first time with this good card for beginners.

If you’re one of those beginners (aka one of my tens of real life Facebook friends), here’s how to get the most Chase Sapphire Reserve value. If you’re one of the many experienced hobbyists who reads this blog, feel free to tell me why my advice is terrible!

Consider this a rough guideline of benefits you should take advantage in the first year of card membership. I’ve semi-ranked these benefits in order of importance, though of course I’m subjective and you need to adjust to your own life situations. Also, I’m assuming this may be your first foray into the miles and points world. Remember, the card carries a $450 annual fee that gets charged within the first month or two of card membership, so your goal should be to make that fee “worth it”. Hope this helps you to do that!

Meet the minimum spending towards the sign up bonus

When the Chase Sapphire Reserve first hit, everyone frothed at the mouth at the huge sign up bonus. While the bonus decreased to 50,000 points after $4,000 in spending, the card still presents a lot of value for beginners. So make it a priority to focus on spending that $4,000 in three months. Hopefully someone has told you to make sure you pay your balance off in full. If you’re getting charged interest you’re basically negating all the value you would get!

I’m not going to tell you how to spend $4,000, but you probably had a plan going in. When I first started out I usually signed up for a new card when I knew I might have a big purchase coming up (insurance payment, vacation, etc.). That’s a good way to bang out a chunk of the minimum spend. Anyway, make sure you have a plan for this first that doesn’t require you buying a bunch of crap you don’t need!

Use your $300 travel credit

I’m assuming you got this card to make traveling a little cheaper. So make sure you use the card to pay for travel expenses. The first $300 will be reimbursed. Chase applies the travel category pretty liberally, meaning you can get this credit for plane tickets, trains, hotels, even taxis and subways in some cases. You don’t have to worry about the credit, it gets automatically applied, usually within a couple of days.

To check how much of the credit you’ve used, navigate to the Ultimate Rewards page of your online account at chase.com. Here you can check your balance information and how much of the travel credit you’ve received.

Here's a guide to help you get the maximum Chase Sapphire Reserve value if you're one of the many new people to get this card. — 31 points only? Gotta work harder

Use the card overseas (no foreign transaction fee)

If you travel overseas, make sure you use the Reserve to pay for stuff. It doesn’t charge a foreign transaction fee which means you don’t get charged extra. Just make sure to pay in the local currency otherwise you’ll get charged a mostly hidden fee. Part of your annual fee goes into eliminating the foreign transaction fee. Take advantage of it!

Sign up for Global Entry and get TSA Precheck

Global Entry enables you to get through customs quickly, and the Chase Sapphire Reserve offers a $100 credit for the application fee. But a lot of people plan to stay domestically for the travel. They then assume that Global Entry has no use to them but don’t realize that it also qualifies you for TSA Precheck. Or some people think going into the airport for an interview presents too much of a hassle.

So let’s ask a question, an honest one. What will be more of a hassle for you in the next 5 years? (That’s how long Global Entry lasts). Going to the airport for the interview, or taking out your laptop and taking off your shoes every time you fly. Not to mention the aforementioned line! If going to the airport really hassles you more, then I guess pass on Global Entry. (Or if you live in stupid Boston which has no interview availability for the next 500 years).

If you have trouble finding an interview, you can schedule at airports other than your home airport. I wasn’t joking about Boston’s availability, but I scheduled for Newark which tends to have a lot of space. Though you have to go to Newark…

Use the Chase Sapphire Reserve for your rental car

The Chase Sapphire Reserve (man I’ve typed that so many times imagine if I sold cards!) helps rent cars in multiple ways. First, you can get Avis Preferred and National Emerald, which mostly helps you cut lines. That matters in airports like MCO. Secondly, you can use the Reserve’s discount rate to get 25-30% off your rental reservation. Finally, Chase Sapphire Reserve offers primary car rental insurance.

That means if you get into an accident, Chase Sapphire Reserve covers you first. If that’s not enough, then you go to your regular auto insurance policy. (Cards that offer secondary insurance are the opposite.) So unless you visit excluded countries (Ireland and a few others), you can happily waive the collision damage waiver companies want to charge you.

Fall back on other coverages when necessary

I’m not going to go through all the benefits, you can find them here. I will point out that the Chase Sapphire Reserve offers Trip Cancellation/Interruption insurance, Lost Baggage insurance, Baggage Delay insurance, Roadside Assistance, and various emergency insurances when traveling. If you’re new to miles and points, just put everything on this card – you might be protected and not even know it. If something goes wrong, it’s more than possible the Reserve has you covered. You can check out Free-quent Flyer’s experience with the Preferred trip deal coverage here, Reserve coverage is equal or better. (He also describes trip delay insurance here.)

Enroll in Priority Pass

Priority Pass is a decent, but not great lounge benefit. Still, you might get access to lounges in a few places (I think I’ve used it…twice?). You get two companions to go in with you so that’s nice too. You need to activate this. The easiest way? Go to this page, then click on “Learn More” under Lounge Access. Login and it’ll bring you to the page below, click activate now, profit.

Transfer points to partners or use to pay for travel?

To me, you can get the most value out of your points by transferring to partners like Hyatt, United, or Korean Air. For example, if you can rent a $500 room for 25,000 points transferred to Hyatt, you get a value of 2 cents per point.

But maybe you don’t define value in fancy hotel rooms or first class flights (I don’t think everyone should). Then you can use the Chase Travel portal to book flights for a value of 1.5 cents per point. That means your 50,000 point sign up bonus is worth $750 towards travel. Families on a tight budget should definitely consider this, though you might want to avoid booking hotels through the portal.

Most important rule? Use your points. You can’t take them with you and there usually isn’t a good reason to hoard them. They’re worth nothing until you redeem them, so just use them in any way that makes travel less expensive for you and your family.

Final Thoughts

Hopefully this gives a good overview of the benefits you can get with the Chase Sapphire Reserve. It’s a great card and I’m likely to keep it next year (though I’ve canceled/downgraded a bunch of cards since I realized how much I was paying in annual fees!). I’m fairly certain I can squeeze $150 of value out of it (after you subtract out the $300 airline credit).

So, were there any great benefits I missed? Let me know!

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Mar 25 2017

Easy travel rewards for non hackers

One of my favorite Saverocity personalities, Robert Dwyer, and I both enjoy listening to the Mighty Men of Mouse podcast (Disney stuff). On Episode 306 they had a brief discussion about travel rewards. Their sensible conclusion was that they don’t want to expend the mental bandwidth to keep track of it all. Travel hacking takes a lot of mental bandwidth (otherwise you might make potential costly mistakes), and I’m experienced enough now to know it’s pointless trying to convince people the value they present. But I thought it might be fruitful to discuss some easy travel rewards that don’t require a lot of mental bandwidth.

Travel reward programs can be complicated and confusing. But here are some easy travel rewards programs that you can use to save money on your travel! — If you can handle this, you can probably handle some simple travel rewards

A couple of notes. First, I think it’s perfectly reasonable for people to think they don’t want to expend the mental energy required to keep track of a million award programs. We all have our hobbies. Secondly, the easy travel rewards programs I’m discussing in this post don’t necessarily represent the most monetary value. Instead, they present travelers the opportunity to save money casually – without being insane like some of us.

I’ve split the rewards programs into categories, moving from simpler to more complicated within each category (in my opinion).

One organizational step – get a good password manager

While you can save money on your travel expending very little mental bandwidth, you should really get a good password manager before you get started. I use Lastpass, which will autofill my passwords in for me when I’m logged in – that saves a lot of mental time and effort.

Of course programs like Award Wallet really help too, but the simple easiest thing you can do is use something like Lastpass. That way you don’t really need to remember any of your logins and passwords.

If you’re paranoid about security, you could always make a spreadsheet for yourself, but that will really hurt your bandwidth. Programs like 1Password, which cost money, might be worth the cost in bandwidth saved alone.

Airline Rewards

If you’re flying, I find it easiest to focus on fixed value rewards programs like Southwest and Jetblue. That way you never need to worry about different award levels, demands on space, etc. etc. Each point you earn from Southwest or Jetblue has a monetary value to it. In fact they make redeeming the points a simple matter of clicking on “points” instead of “cash” when you search.

One feature propels Southwest to the top of the “easy to redeem” list: fee free cancellation. You can cancel or change your ticket any time up to 10 minutes before your flight. While you don’t get the money (or points) back to your account, you can apply that credit to future travel on Southwest.

One reason casual travelers avoid airline rewards is it’s hard to keep track of your frequent flyer number and how many miles you have. Solve that problem using the password manager you installed above. With Southwest or Jetblue, it doesn’t even matter how many miles you have since you can pay with cash or points – just try to pay with points every once in awhile and you’ll be saving money! The amount of bandwidth required to do this is only the amount of bandwidth you need to remember to login.

Hotel Rewards

While I’m not a huge fan of the program, I have to admit: hotels.com 10th night free program remains the easiest hotels rewards program. Basically, as long as you book all your hotels through their site you will earn one free night for every ten nights you purchase. Credit towards free nights expire in 12 months if you don’t redeem or stay within that time period.

The value of that free night will be equal to the average of the cost of the ten paid nights. It doesn’t get any easier than that, bandwidth wise. Also, Disney fans – you can book Disney hotels through hotels.com and redeem free nights at Disney.

Orbitz also has a rewards program – you earn 5% back for hotel bookings and 1% back for airline bookings. You can only use the rewards for hotel stays and all rewards expire in 12 months regardless of activity. The benefit of this program lies in being able to redeem more quickly (i.e., you don’t have to wait until ten stays).

When it comes to simple options, these hotel rewards are as simple as remembering to login and remembering to have activity once a year. Minimal mental bandwidth!

Credit Card Rewards

I swear I do not have affiliate links, but I still think the Barclays Arrival Plus card remains one of the easiest cards to use for travel rewards and a great card for travel hacking beginners. However, the annual fee scares casual travelers looking to save money and I get that. But if you think the $89 annual fee is worth the decreased bandwidth, then 2.1% redeemed towards travel will be pretty good for rewards.

Another great option is the Bank of America Travel Rewards card which comes with no annual fee. If you are a Platinum Honors Preferred client you’ll get 2.625% back per dollar spent, otherwise you’ll get 1.5%. Capital One Venture offers 2% back as well but with a $59 annual fee. All three of those cards are easy to use because you just redeem points against your travel purchases.

Of course the best option for the casual traveler? Invest in a 2% cash back card. The Fidelity Visa and Citi Double Cash both offer 2% cash back for no annual fee. But these options aren’t as “casual” because you need to mentally organize your money and dedicate that to your travel. Or alternatively, you can tell yourself to feel better about spending money on travel since you’ve been earning 2% back. Either way, it’s not as “clean” as the travel rewards card options.

Credit cards of course require more bandwidth than either the easy travel rewards from the airline or hotel programs I listed above. You need to keep track of things and you need to pay your balances off in full. What you receive in return for that extra bandwidth comes in the form of more savings, including savings you can “stack” (you can earn 2% cash back if you use your Fidelity card at hotels.com on top of the free night you are working towards).

Car Rental Rewards

One quick note here: it’s worth it to sign up for car rental programs. All you need to do is remember your number and add it to your reservation and you can generally skip the lines when picking up the car. All the different companies have different names but for the most part, have an account with them, skip the line. This even works sometimes for me when I book through sites like Priceline (even though it shouldn’t per terms and conditions). Worth the mental bandwidth especially in a place like Orlando where car rental lines are nuts.

Final Thoughts

Again, while these programs won’t save you the most money, they are some of the simplest programs to use. If you’re traveling a lot, why not at least give it a shot. Every dollar counts – if you save $50 that’s like…ten Mickey bars!

Any other easy to redeem programs I missed?

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Travel reward programs can be complicated and confusing. But here are some easy travel rewards programs that you can use to save money on your travel!

Mar 23 2017

Save your gift card receipts – and thus you shall be saved

I experienced the nightmare scenario the other week – a lost gift card. Two, to be precise. I had loaded of these Simon gift cards with the standard amount. I remember taking them out to use and then finding my desired purchase at Staples out of stock (shocker).

Fast forward a day and I looked for the cards in my bag and couldn’t find them. Nor could I remember anything I had done with them! My brain obviously lacks the processing power it once had, if any. Anyway, here’s how I handled the situation and how I could have made my life so much easier.

Quick aside, I always debate writing about stuff like this because

I’ll likely get grief from my wife telling me I’m a moron
I’ll likely get grief from the community telling me I’m a moron

But hey, if I help people avoid a similar situation, it will be worth it. I’m a moron, might as well learn from my mistakes!

Contacting Simon Gift Card Services

Did I mention the gift cards were in the bag with the gift card receipt in it? This story gets more embarrassing by the minute. Anyway, I didn’t have the receipt but Simon has an incredible customer service team. I’ve taken a screen shot of the relevant information from the Simon help section:

So if I had registered my gift card I would have been able to access the number no problem, but that’s way too time consuming and I would never do that. Obviously what I should have done was keep my receipt separate – I used to be very good about this but got lazy as I got more experienced. Pride comes before a fall, as they say.

Anyway, I did exactly what the highlighted section suggests: I e-mailed Simon and gave them the date I purchased, the number of cards purchased, load amounts, and the last four of my credit card number. I also included the last four digits of other cards I had purchased in the same transaction.

I received an e-mail the next day asking for some more information – issuing bank of my credit card and type of gift card which I had some how forgotten to put in my first e-mail. After replying to that I received an e-mail within the hour with my receipt attached. That’s customer service.

Why having your receipt matters

Once I had my receipt, everything was pretty simple. Simon customer service wrote back with this helpful e-mail:

“I have attached the receipt from that transaction. You will need to call Visa Cardholder services at 1-866-325-6238 with the proxy numbers (numbers starting with 60395) to get the actual card number as we have no way of obtaining those. You can compare those numbers to your records to find the card number of the ones you lost. Please discuss replacement cards for the lost giftcards with Visa as well.”

I made a quick phone call (amazingly quick, really) and spent a couple minutes figuring out which cards were missing. Once we figured it out, the two cards I lost were canceled and they sent out replacement cards.

Basically, your activation slips that you receive with your cards have proxy numbers that match up with the cards that you have bought. As long as you have those, you should be able to be made whole. While I doubt other companies are as quick and helpful as Simon was (they might be!), as long as you have those activation receipts you don’t need to panic. And if it’s Simon and you keep good enough records you should be able to get a copy of the receipts anyway.

Avoiding this in the future

Don’t be a moron (me)
Save receipts and keep them separate from where you keep the cards
Sign up for digital receipts if you can (CVS)
Use your cards quickly
Stay calm
Only float money you can afford to lose

Final Thoughts

While not an ideal situation, I’m thankful Simon customer service was so on top of things and that I was able to be made whole in relatively quick fashion. Oh, and the kicker? TURNS OUT MY BAG HAS FOUR POCKETS NOT THREE. Yes, I spent two days trying to locate these lost cards and somehow, despite checking my bag six times, never opened that fourth pocket. I blame the fact that I had to get a new backpack. And I’m sure you know what I found in there…

Bottom line: I’m a moron.

But if you ever have lost gift cards, you don’t have to be.

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