Welcome to our weekly list of what’s ending this week as well as a collection of some other deals that are due to end soon.

There are quite a lot of deals set to end this week. That includes the current Southwest welcome offers on personal cards that offer a Companion Pass plus points when meeting the minimum spend requirement.

Also ending this week is a status match opportunity with Royal Jordanian that can get you Oneworld Sapphire status by matching from a hotel program, although only if your account is registered in certain countries, with the US excluded from that list.

Also ending are a Citi transfer bonus to Wyndham, the latest IHG and Choice points sales, an increased welcome offer on the Upromise credit card, and more.

Below you’ll find this week’s Last Chance Deals. Those are followed by deals that Won’t Last Long and Other Limited-time Offers. Deals in bold were posted this week.

Expires Sunday, March 15, 2026

• Get a 30% discount when buying Choice points (buy points for 0.72 cpp) (Expires 3/15/26)
• (Targeted) United cardholder offers awarding bonus miles on spend (Expires 3/15/26)
• Royal Jordanian status match: get Oneworld Sapphire for $149-$199 (but not for US residents) (Ability to match from hotel status expires 3/15/26)
• Kroger: Earn 4x fuel points on 3rd party gift cards & fixed-value Visa & Mastercard gift cards (3rd party gift cards expires 3/15/26; Visa & Mastercard gift cards expires 3/17/26)

Expires Monday, March 16, 2026

• Southwest portal promo: Earn up to 1,000 bonus Rapid Rewards points (Expires 3/16/26)

Expires Tuesday, March 17, 2026

• $300 cash back after $1K spend with increased Upromise Mastercard offer (Expires 3/17/26)
• Buy IHG Points for as low as 0.5 cents each (Expires 3/17/26)
• Kroger: Earn 4x fuel points on 3rd party gift cards & fixed-value Visa & Mastercard gift cards (3rd party gift cards expires 3/15/26; Visa & Mastercard gift cards expires 3/17/26)

Expires Thursday, March 19, 2026

• Southwest personal cards have Companion Pass + bonus points (Expires 3/19/26)

Expires Saturday, March 21, 2026

• Get a 25% bonus when transferring Citi ThankYou points to Wyndham Rewards (Expires 3/21/26)

• Wizz Air selling All You Can Fly pass
• Capital One Shopping offering $80 referral bonus for both sides
• Capital One Offers: Earn 16x/16% at Belk in-store (Gift card racks in stores, limit 3 uses)
• Capital One Offers: Buy $200 of gift cards from CardCash & earn 5K bonus miles (targeted)
• Capital One Offers: Earn 8x at Maverik, 7x at QuikTrip (Buy gift cards in-store)
• Capital One Shopping: Spend $275+ at Hertz & get $125 back (targeted)
• Excellent Capital One Shopping offers: $650/$300 Marriott Homes & Villas, $225/$75 Caesars, & more
• [Apr/May ’26 added!] Baseball fans: Capital One once again has great seats for 5,000 miles each

Welcome Offers / Credit Cards / Other Finance

• None ending this month

Travel

• 20% off Singapore Airlines economy and some premium economy awards (Book by 3/23/26 for travel 5/1/26-1/15/26)
• Viator Amex Offer: Spend $200 & get $25 back (can use twice) (Expires 3/24/26)
• Buy Marriott Points for as low as 0.89 cents each (Expires 3/26/26)
• 15% transfer bonus from Amex Membership Rewards to Avianca LifeMiles (Expires 3/28/26)
• Earn 3K bonus points per night at Hyatt Vacation Club properties (Expires 3/29/26)
• Fairmont Winter Offer: up to 20% off (for five-night stays) (Book by 3/30/26 for stays through 5/31/26)
• Get paid to visit Vancouver, British Columbia (Expires 3/31/26)
• IHG promo for Q1 2026: Earn double points from your second stay (Expires 3/31/26)
• Virgin Voyages offering status match from hotel & airline loyalty programs (Expires 3/31/26)
• Choice Hotels promo: Earn triple points on stays (Expires 3/31/26)
• Chase Travel℠ Chase Offer: Spend $600 & get $100 back (targeted) (Expires 3/31/26)
• Best Western Chase Offer: Get 10% back on $100-$320 spend (Expires 3/31/26)
• 20% transfer bonus from Chase Ultimate Rewards to Avios programs (Expires 3/31/26)
• Rove Miles adds Japan Airlines, launches with 50% transfer bonus (Expires 3/31/26)
• Air France / KLM Flying Blue Promo Rewards March 2026 (Book by 3/31/26 for flights through 8/31/26)
• Air India Chase Offer: Get 10% back on $100-$500 spend (Expires 3/31/26)
• Earn 25K bonus points on 5+ night Vacations by Marriott Bonvoy stay (Book by 3/31/26 for stays through 7/31/26)
• 30% transfer bonus from Chase Ultimate Rewards to Wyndham Rewards (Expires 3/31/26)
• Hilton Timeshare Offer: 3 nights & 100K points, starting at $199 (Purchase by 3/31/26 & stay within 12 months)

Shopping/Spending Deals

• Rakuten: Best Ever 5K Amex points, 5K Bilt points, or $50 referral bonus for both sides (Expires 3/31/26)
• Chase Q1 cobranded business card spending offers with direct registration links (Expires 3/31/26)
• Discover: Get a $20 bonus after spending $100 on mobile wallets (targeted) (Expires 3/31/26)
• (Targeted) Southwest cardholder promo giving 25% bonus points when spending $3K+ (Expires 3/31/26)
• (Targeted?) Southwest cardholders: Earn 2x Companion Pass qualifying points at drugstores & gyms (Expires 3/31/26)
• (Targeted) Chase offering spending offers on cobranded personal cards (with direct registration links) (Expires 3/31/26)
• Chase Sapphire Reserve® cardholders can get a free Calm Premium annual subscription (Expires 3/31/26)
• Targeted Barclays cardholder promos: Earn bonus points when adding authorized users (Add authorized user by 3/31/26 & complete required spend by 5/31/26)

Bank Account Bonuses

• List of great bank account signup bonuses available this month
• US Bank: Up to a $1200 bonus with new business checking account (Expires 3/31/26)

Other Helpful Resources

• Current Deals
• Best Offers
• Current Amex Offers
• Instant Gift Card Deals

The post Last Chance Deals: Companion Pass welcome offer, Oneworld status via hotel match, & more appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Throughout the week, our team shares articles they’ve stumbled upon which may interest our readers, even if they might not otherwise merit a full post. Here are some of the posts we found interesting this week: Stranded in Qatar during a missile strike, unhappy Bilt users, Capital One originating cards on Discover, and poor man’s first class.

Stranded in Qatar During Missile Strikes: My Unexpected Escape Through Saudi Arabia

Any time I hear of some kind of conflict or uprising abroad, I find myself wondering how many points-and-miles jet-setters just so happen to be there. In an earlier Saturday Selection for example, we heard from a traveler who was staying at the Hilton Kathmandu when it was basically attacked by protestors. And I recall my own unnerving experience receiving a notice under the doorway of a hotel in Bangkok during a military coup in 2014, or the building tension of protests in the streets of Kiev a year later.

At Points and Miles Bling, one traveler (Greg P) recounts what it was like getting stuck in Qatar during a missile strike. It’s hard to imagine something more chilling than that. (Greg is quite a good writer, so make sure to read his full account here.) His day of sightseeing before an evening flight did not go as planned. An emergency alert on his phone sent him back to the hotel in a cab, where he literally heard explosions en route. Hotel checkout was mayhem, and when he arrived at the airport hoping to check into his first-class flight out of there, he found that the airport was closing down operations and he’d have to spend at least another night. The Park Hyatt Doha became his sanctuary, with a staff that remained cool and calm throughout the uncertain situation. Even so, it was hard not to feel unnerved, and Greg checked in with home as often as possible, noting that “My Freedom Mobile “Roam Beyond” plan was a lifesaver, unlimited calls and 5GB of data meant I could stay connected to home without worrying about a massive bill or hunting for local SIMs.” Greg worked hard to come up with a reasonable plan to make his way home as quickly as possible, despite the halt of flights from Qatar. His best idea: a land crossing into Saudi Arabia, where flights were still operational. The particular land border he’d be able to most reasonably reach was in the desert and not one frequented by tourists. So he found a private desert-tour driver willing to take him. At the border, Greg’s Qatari driver could not cross over with him, and he nervously switched drivers to make his way to Riyadh. Despite his concerns, he found that he was in good care for the whole journey. Thankfully his plan was a good one, and once in Riyadh, he was able to fly homeward to safety. Again, make sure to read Greg’s full account in his own words here.

“No Remorse, No Accountability”—Bilt Users In Uproar Over New Credit Cards

In February, Greg made the comment: “The Bilt 2.0 rollout has taught me to question Bilt’s leadership more than ever.” At that point, our primary frustrations were around the vague, half-baked, and confusing nature of the Bilt 2.0 updates, but it’s unfortunately only gotten worse since then. We’ve since seen Bilt cards being frozen, and 5x not being honored, Bilt 2.0 charging 0.2% foreign transaction fees despite claiming there were none, and Bilt mortgage payments running into snags, for example. Perhaps worst of all, as we discussed in this post, Bilt’s behavior relating to these problems has bordered on trolling at times and has been avoidant at other times.  Of course, we’re not the only ones who noticed this. In this Forbes piece, we hear stories that are, unfortunately, not at all surprising given the Bilt behaviors we’ve been observing so far. Now, some people who have counted on Bilt for mortgage payments are seeing their payments fail with little or no explanation or assistance from Bilt support when they reach out to seek a resolution. One person even saw the funds removed from his bank account for his rent payment, but they never showed up to his landlord. When he sought answers, he received no resolution, and to this day, he considers the money essentially “stolen” by Bilt. In February, Bilt apparently received 70 complaints filed with the Consumer Financial Protection Bureau. Contrast this with the ~5 per month they’d been receiving before. The people are losing patience with Bilt, which leaves one wondering how a $10.75 billion valuation holds up.

Capital One begins originating select credit cards on Discover Network

Capital One acquired Discover Financial Services last year, and now they’ll likely be transitioning several cards to the Discover Network, at least according to some benefits guides that appeared on Reddit recently. The Discover Network was referenced on The Venture, Savor, Quicksilver, VentureOne, SavorOne, and QuicksilverOne cards. And Capital One more or less confirmed this, saying, “We have started originating select Capital One credit card accounts on Capital One’s Discover Network.” This most likely means new cardholders will receive the Discover Network cards, and existing cardholders will receive the Discover Network cards once their current cards expire. The downside? Some have reported potential acceptance issues at Costco as well as some overseas retailers.

Why I Chose A Middle Seat In Economy Over First Class On American Airlines

Matthew Klint has a somewhat relatable story about forfeiting a $189 upgrade opportunity on his recent American Airlines reverse red-eye from Chicago to LA. While the upgrade satisfied his rule of justifying $50/hour-of-flying for upgrades to premium class, an empty row on the plane wooed him away from the upgrade. He gambled a bit, selecting a middle seat in the row to disincentivize anyone else from selecting seats in that row. The gamble worked, and he ended up with a whole row to himself, which he treated like a lie-flat seat. I admire this kind of experimentation and creativity, though I have had some rough nights in “poor man’s economy” where I just couldn’t get as comfortable as I expected, despite ample space. What do you think – is a whole economy row to yourself better than an upgraded seat?

The post Stranded in Qatar during a missile strike, unhappy Bilt users, Capital One originating cards on Discover, and poor man’s first class (Saturday Selection) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Doctor of Credit has reported that PayPal has eliminated its BillPay services. According to comments on the post, it sounds like the service was ended as of 2/28/26.

I haven’t seen any official announcement about this from PayPal, so it isn’t clear whether this is a temporary or permanent change. However, when I go to the Bill Pay landing page, it says that it isn’t available for consumer accounts.

I believe that PayPal has taken down its BillPay services before and then brought them back later, but this time might be the end of BillPay, as the options that could be paid with it had been dwindling for some time.

The post PayPal removes BillPay services (unsure whether temporary or permanent) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

I didn’t grow up traveling by plane. Instead, my first leisure trips by airplane were in my 20’s, and the first several of those were on Southwest Airlines. This was back in the days when you could sometimes get a free flight with 4 or 5 one-ways, and they handed out those plastic lettered boarding cards based on when you arrived at the gate. Southwest got me as a customer when I was young and retained me when my wife and I got into this hobby more than a decade ago.

Now, they’ve gotten rid of most things that Southwest old-timers knew and loved about the airline, making it more like other major airlines (which, ironically, highlights for me the ways in which it sometimes lags behind competitors).

However, I have accepted that the old Southwest is gone, and now that I am getting into the rhythm of the new Southwest, I am learning to love it again. Particularly as a premium credit card holder, I am finding the free extra legroom seats (officially available to qualifying cardholders 48 hours in advance of departure) easy to snag thus far, though with a notable wrinkle: Just last night, I had an alarm set on my phone to remind me that I could pick exta legroom seats for a flight at 48 hours in advance. That should have meant that I could select seats at 7:10pm last night. At about 7:04pm, I went to take a screenshot of the “before” price so I could do a before-and-after side-by-side comparison of the cost of my seat, but the extra legroom seats were already free to select despite it being 48 hours and about 6 minutes prior to departure. I selected and confirmed my complimentary extra legroom seat just before the 48hr mark. At 7:06pm (four minutes before the 48-hour mark), I received an email from Southwest telling me that it was time to select my free extra legroom seats as a qualifying cardholder. I had previously noticed extra legroom available just a little more than 48 hours in advance, but had thought it was a fluke. I don’t yet know the exact timeline, but it may be worth checking your booking a few minutes sooner than you expect those seats to be free, because it seems like maybe it isn’t exactly 48 hours in advance.

On the blog this week, read about Greg’s plans for Hyatt, family-friendly hotel options from a loyalty program you wouldn’t expect to have them, how a credit card in your wallet could get you a free burger, and more.

This week on the Frequent Miler blog…

My Hyatt post-pointpocolypse plans

Greg is actually less Hyatt-focused than you may expect. Whereas I do tend to select hotels based on loyalty benefits, Greg tends to pick a hotel based on location and the hotel itself, choosing places he wants to stay over a loyalty program. It should therefore come as little surprise that the coming Hyatt changes aren’t going to have a huge influence on Greg’s decision-making (yet) and that he intends to lean into things like The Edit and Fine Hotels & Resorts. I think that approach is telling: when long-time loyalists who have gone out of their way in years past to maintain loyalty are ready to jump ship in favor of booking through luxury booking platforms, that’s a sign that (in my opinion), Hyatt has lost touch with its base.

Which Hyatts will you book before the award chart changes? | Ask Us Anything Ep84 | 3-4-26

On our most recent Ask Us Anything, somebody asked which Hyatts the team planned to book before the changes take effect. If you’re interested in the answers we gave, you can look to the show notes on the landing page for the podcast here for clickable timestamps. That’s also where you’ll find the many other questions we were asked, with links to their answers.

World of Hyatt: Mexico and Caribbean all-inclusive properties to book before price changes

One of the areas that we know will be especially hard-hit in the World of Hyatt changes is the price of all-inclusive properties. Already subject to a separate award chart, many of these properties will increase substantially in price, so Tim has updated the list of properties in Mexico and the Caribbean to indicate which you should consider booking right now, before category changes and the new complicated award chart debut.

Family-friendly Leading Hotels of the World

“Family-friendly” isn’t an expression that I had previously associated with Leading Hotels of the World. However, when I stumbled on a page full of some Leading Hotels of the World properties with awesome-looking family amenities, I realized that I had perhaps put LHW in too narrow a box, mentally speaking. While LHW properties still won’t be my first look in most cases, I am nonetheless really intrigued by some of the possibilities they offer.

Rove Miles: Transferable Points without a credit card | Frequent Miler on the Air Ep349 | 3-13-26

Rove Miles, a transferable miles program that doesn’t even require a credit card, is a program that is firmly on the upswing, with good promotions and excellent new transfer partner expansions in recent months. On this week’s Frequent Miler on the Air, Greg and I discuss the Rove Miles platform, including the many ways to earn Rove Miles as well as some of the best uses, both with regard to booking travel through Rove and through its best transfer partners. One note: during the show, I had a mental malfunction and talked about Virgin Atlantic being a transfer partner. An astute listener brought to my attention the fact that Virgin is not a Rove partner. Mea culpa on that!

Indirect Amex Platinum Card® benefits: Free burgers, Champions League soccer, Best Western & Sixt status, & more

The Platinum card is packed full of advertised benefits, from regular coupon credits to elite statuses. But the Platinum card opens doors to more than meets the eye. In this post, Stephen explores the benefits you might not realize you can get, like a free Whopper once every few months with purchase. There were definitely a couple of things in this list that I’d missed, so it’s worth checking this post out to find the benefits your Platinum card could open up that you may otherwise be missing.

I changed a Lifemiles award as a Lifemiles Plus subscriber, and it was painless

Avianca Lifemiles has a reputation for its challenges, from a faulty website with complicated search to poor customer service. However, I was recently once again pleasantly surprised by better service than I expected when I called to change an award ticket. As a Lifemiles Plus Basic member, I was able to change my award ticket over the phone (for free) within less than 12 minutes, start to finish. In this post, I cover the key details you need to know, particularly the value of Lifemiles Plus and timing your subscription right.

Speed up US entry with Mobile Passport Control | Coffee Break Ep96 | 3-10-26

Greg recently re-entered the United States while Global Entry was down, so he got a chance to finally try out my preferred Mobile Passport Control. That became the topic of discussion for this week’s Coffee Break podcast, where we discuss how this program works (spoiler: it’s really easy) and why you should consider it if you don’t have Global Entry or if you travel during a time when Global Entry is not up and running.

Are you eligible for a new Marriott card?

With new offers out on several of the Marriott credit cards, many readers likely find themselves wondering about the title question. Given Marriott’s byzantine rules for new card bonuses, knowing whether or not you are eligible is far less straightforward than with other cards. See this post for the full chart and explanations of the various eligibility rules.

Marriott raises “top off” limit on free night certificates from 15k to 25k

Marriott has increased the maximum number of points that can be used to top off a free night certificate from 15,000 points (on top of a free night certificate) to 25,000 points. Theoretically, that will make certificates usable in more situations, though I’m not entirely sure that I agree with Stephen when he says that “I’m sure we’d all prefer a 25k limit to 15k”. I’m actually of two minds on that: on the one hand, I like that it creates more situations in which those certs can be used, but on the other hand, it sort of backdoor-devalues them if I suddenly need to start kicking in more than 15K points for the places where I want to stay.

What are Choice points worth?

Even before reading Tim’s update, I would have told you that Choice points have been on the rise for me. I’ve been in the midst of planning the finer details for a trip to Europe, and I just keep finding places where my Choice points put me where I want to be and yield solid value. I therefore wasn’t surprised that once we began incorporating Gondola.ai data to paint the value of Choice points with a broader brush, the value has increased.

Citi ThankYou Points about to end points-sharing between cardholders?

Word began to spread yesterday that Citi is planning to end points sharing between cardholders. However, as Tim dug into the details, he came to suspect that the change here might only affect one (relatively uncommon) type of ThankYou card. Time will tell how this shakes out, but one thing is for certain: you don’t want to panic-transfer without a redemption in mind, since points transferred to another member expire 90 days after being transferred. Instead, take your time and consider a best use for your situation.

What is a dummy booking? How to get targeted offers using this trick

Stephen’s beginner series continues this week with the explanation of a dummy booking and how you can use that technique to sometimes find better targeted credit card offers. While I don’t regularly use this technique, it is certainly something that comes to mind when I find myself interested in an airline or hotel credit card. Sometimes, it isn’t even necessarily a better offer that’s available, but that targeted dummy booking offer might be a better fit for your situation.

Updated resources

The following resource posts have been updated this week:

• Chase Freedom Unlimited Credit Card Review (2026)
• Capital One Venture X Business Credit Card Review (2026)
• Citi Strata Elite℠ Credit Card Review (2026)
• Hilton Honors Complete Guide (2026)

That’s it for this week at Frequent Miler. Keep an eye on this week’s last chance deals to be sure you get them before they’re gone.

The post Greg’s plans for Hyatt, free burgers, unexpected family-friendly hotel options, and more (Week in Review) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

This post is designed to show current Amex Offers. If you have any Amex cards, even authorized user cards, then you’re eligible to sign up for offers when you log into your Amex account. If you’re planning to shop or book travel, check this page to see if an Amex Offer exists that will help you save money or earn extra points.

Amex Offers often appear on some cards, but not others. Don’t be surprised if an offer listed here is not available on any of your cards. Additionally, some of the offers shown here are only available in specific regions.

CardPointers

The data found below was graciously provided by CardPointers. CardPointers is an app and browser extension which can be used to automatically load Amex offers (and offers from many other institutions) to your cards. Once done, you can quickly and easily see all of the offers available to you.

Read more about CardPointers here.

Current Amex Offers

By default, the following table shows the first 10 offers. To find additional offers, use the search box, or change the number of entries shown, or press Page Next at the bottom.

Amex Offer	Expiration Date
1-800-PACK-RAT: Spend $300 or more, earn $60 Earn a one-time $60 statement credit after using your enrolled eligible Card to make a single purchase of $300 or more in-store at 1-800-PACK-RAT or online at 1800packrat.com by 7/31/2026. View Terms: Eligibility and EnrollmentEligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.Limit of 1 statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).Qualifying PurchasesOffer valid in-store and online only at US website 1800packrat.com. Valid at participating locations in the US. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Excludes Storage Squad and Zippy Shell divisions. Offer valid only on purchases made in US dollars.Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditPlease allow 90-days after 7/31/2026 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.Participation in Amex Offers is subject to Amex Offers Program Terms.POID: KBUL:0001	2026-07-31
7 For All Mankind: Earn 6% back on purchases, up to a total of $250 Earn 6% back as a statement credit after using your enrolled eligible Card to make purchases in-store at 7 For All Mankind by 3/31/2026. Limit of $250 back in total statement credits. View Terms: Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.Limit of $250 in total statement credits per eligible Card Member. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).Qualifying Purchases Offer valid in-store only at 7 For All Mankind locations in the US. Not valid on purchases made online. Excludes outlet locations. Not valid at locations in US Territories. Excludes locations owned or operated by a third party. These may include, but are not limited to, locations within hotels, airport terminals, and military bases. Not valid on any orders made on the shop floor through merchant iPads/tablets. Not valid on wholesale purchases and purchases made with authorized resellers. Offer may be discontinued or modified by Amex at our discretion. Offer valid only on purchases made in US dollars.Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditPlease allow 90-days after 3/31/2026 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.Participation in Amex Offers is subject to Amex Offers Program Terms.POID: K4BW:0495	2026-03-31
177milkstreet.com: Earn 5% back on purchases, up to a total of $250 Earn 5% back as a statement credit after using your enrolled eligible Card to make purchases online at 177milkstreet.com by 5/3/2026. Limit of $250 back in total statement credits. View Terms: Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.Limit of $250 in total statement credits per eligible Card Member. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).Qualifying Purchases Offer valid online only at 177milkstreet.com. Valid only on the US version of the merchant’s website. Not valid on orders shipped outside of the US. Excludes purchases of gift cards and electronic gift cards. Not valid on wholesale purchases and purchases made with authorized resellers. Offers may be discontinued or modified by Amex at our discretion. Offer valid only on purchases made in US dollars.Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditPlease allow 90-days after 5/3/2026 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.Participation in Amex Offers is subject to Amex Offers Program Terms.POID: K3CY:1942	2026-05-03
1800Flowers.com - Gourmet Food, Flowers & Gifts: Earn 20% back on purchases Earn 20% back as a statement credit after using your enrolled eligible Card to make qualifying purchases online at 1800Flowers.com by 3/31/2026. View Terms: By enrolling in this offer, you agree to these terms and the Amex Offers Program Terms.Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.Qualifying PurchasesOffer valid online only at 1800Flowers.com, cheryls.com, thepopcornfactory.com, 1800baskets.com, fruitbouquets.com, harryanddavid.com, wolfermans.com, stockyards.com, simplychocolate.com, berries.com, vitalchoice.com, and celebrations.com. Excludes e-gift card purchases, wholesale purchases, and transactions made via personalizationmall.com, bloomnet.net, NAPCO, and napcoimports.com. See merchant website for shipping policy. Some merchants may not ship to all areas.Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditIf you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.GeneralAmex Offers are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.PrivacyBy enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.POID: KBJW:0001	2026-03-31
1800Flowers.com - Gourmet Food, Flowers & Gifts: Spend $55 or more, earn $15 back, up to 4 times (total of $60). Earn a $15 statement credit after using your enrolled eligible Card to spend a minimum of $55 in one or more qualifying purchases online at 1800Flowers.com by 3/31/2026. Limit of 4 statement credits (total of $60).  View Terms: By enrolling in this offer, you agree to these terms and the Amex Offers Program Terms.Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.Limit of 4 statement credits (total of $60 back) per eligible Card Member account.Qualifying PurchasesOffer valid online only at 1800Flowers.com, cheryls.com, thepopcornfactory.com, 1800baskets.com, fruitbouquets.com, harryanddavid.com, wolfermans.com, simplychocolate.com, berries.com, vitalchoice.com, and celebrations.com. Excludes e-gift card purchases, wholesale purchases, and transactions made via personalizationmall.com, bloomnet.net, NAPCO, and napcoimports.com. See merchant website for shipping policy. Some merchants may not ship to all areas.Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditIf you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.GeneralAmex Offers are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.PrivacyBy enrolling in this offer, you agree that American Express may use your transaction and personal information to administer the offer, communicate with you about it, and facilitate your offers experience in accordance with the American Express Privacy Statement.POID: KBK2:0001	2026-03-31
accessories.ford.com: Earn 5% back on purchases, up to a total of $250 Earn 5% back as a statement credit after using your enrolled eligible Card to make purchases online at ford.com/accessories by 3/31/2026. Limit of $250 back in total statement credits. View Terms: Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.Limit of $250 in total statement credits per eligible Card Member. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).Qualifying Purchases Offer valid online only at ford.com/accessories. Valid only on the US version of the merchant’s website. Not valid on orders shipped outside of the US. Excludes purchases of gift cards and electronic gift cards. Not valid on wholesale purchases and purchases made with authorized resellers. Offers may be discontinued or modified by Amex at our discretion. Offer valid only on purchases made in US dollars.Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditPlease allow 90-days after 3/31/2026 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.Participation in Amex Offers is subject to Amex Offers Program Terms.POID: K3CY:1900	2026-12-31
adidas.com: Earn +6 Membership Rewards® points per eligible dollar spent, up to 5,000 points Earn 6 additional Membership Rewards® points for each dollar spent on qualifying purchases made using your enrolled eligible Card online at adidas.com by 5/31/2026. Limit of 5,000 Membership Rewards points.  View Terms: By enrolling in this offer, you agree to these terms and the Amex Offers Program Terms.Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.Limit of 5,000 additional Membership Rewards® points per eligible Card Member.Qualifying PurchasesOffer valid online only at US website adidas.com. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Excludes Hype sales and gift cards. Eligible Card Members will earn 6 additional Membership Rewards® points for each dollar spent, up to 5,000 points, on qualifying purchases on their eligible Card.Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Additional Membership Rewards® PointsYou must be enrolled in the Membership Rewards® program at time of qualifying purchase. If you meet the offer requirements, the additional Membership Rewards® points will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for additional Membership Rewards® points to post. Please call the number on the back of your Card if the additional Membership Rewards® points are not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the additional Membership Rewards® points. Additional Membership Rewards® points may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.GeneralAmex Offers are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.PrivacyBy enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.Bonus ID: B8WU POID: KBXT:0001	2026-12-31
Adobe: Spend $20 or more, earn $10 back monthly, for up to 3 months Earn $10 back each calendar month, for up to 3 months after using your enrolled eligible Card to make a single qualifying purchase of $20 or more during the calendar month. Valid online at adobe.com. Your ability to redeem will reset on a monthly basis until 3/31/2026. View Terms: By enrolling in this offer, you agree to these terms and the Amex Offers Program Terms.Eligibility and Enrollment Enrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable. Limit of 1 statement credit per eligible Card Member per calendar month, up to 3 months (3 statement credits per Card Member, up to total of $30). You must spend a minimum of $20 in a single qualifying purchase by the last day of each calendar month to be considered as qualifying for a statement credit. Your ability to redeem will reset on the first day of each calendar month and end on the last day of the same calendar month until 3/31/2026. Qualifying Purchases Offer valid online only at US website Adobe.com and through the Adobe app. Excludes Adobe branded merchandise. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 3/31/2026 in order to qualify. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file.Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries. Statement Credit If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.GeneralAmex Offers are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.PrivacyBy enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement. POID: KBGB:0001	2026-03-31
Aer Lingus: Spend $1,250 or more, earn $250 back Earn a one-time $250 statement credit after using your enrolled eligible Card to spend a minimum of $1,250 in one or more qualifying purchases online at aerlingus.com and through the Aer Lingus mobile app by 3/29/2026. Flights must originate in the US and be charged in US Dollars. View Terms: By enrolling in this offer, you agree to these terms and the Amex Offers Program Terms.Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.Limit of 1 statement credit per eligible Card Member account.Qualifying PurchasesOffer valid on purchases made directly with Aer Lingus online only at US website aerlingus.com and through the Aer Lingus mobile app. Flights must originate in the US and be paid for in USD in order to qualify. Excludes the following: (i) all purchases made onboard flights, including food, beverages, entertainment, and Wi-Fi; (ii) purchases made through third parties, affiliated agents, affiliated partners, or through the Aer Lingus customer contact center; (iii) IAG Cargo transactions; (iv) AerClub-related purchases, including the purchase of Avios; (v) travel-related add-ons and upgrade fees purchased via Aer Lingus or linked on the aerlingus.com website, such as hotel bookings and car hire; and (vi) travel insurance/trip protection purchases and gift cards/vouchers. Offer is only valid for bookings paid for by 3/29/2026, however the travel can occur after the end date for the Offer, provided that the booking was paid for within the applicable Offer period.Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditIf you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.GeneralAmex Offers are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.PrivacyBy enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.POID: KBPG:0001	2026-05-31
AG1 - Daily Foundational Nutrition supplement: Spend $75 or more, earn $25 back Earn a one-time $25 statement credit after using your enrolled eligible Card to spend a minimum of $75 in one or more purchases online at drinkag1.com/amexoffer by 5/30/2026. View Terms: Eligibility and EnrollmentEnrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.Limit of 1 statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).Qualifying PurchasesOffer valid online only at US website drinkag1.com/amexoffer. See merchant website for shipping policy. Some merchants may not ship to all areas. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. Offer valid only on purchases made in US dollars.Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.Statement CreditPlease allow 90-days after 5/30/2026 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.Participation in Amex Offers is subject to Amex Offers Program Terms.POID: KBX4:0001	2026-03-31

The post Current Amex Offers appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Newegg is running a sale on Southwest gift cards, offering $50 off when you buy a $500 denomination.

The Deal

• Buy $500 Southwest gift cards for $450 when using promo code SSF4844 on Newegg.
  • Direct link to offer

Key Terms

• Limit 1 per customer

Quick Thoughts

Newegg purchases earn 4x Membership Rewards points on the American Express® Business Gold Card if electronics stores are one of your top two spending categories this billing cycle, or 2x on The Business American Express Platinum Card®.

Alternatively, there is a Newegg Citi Offer that provides up to 1.5% back at Newegg. If you have a Citi Double Cash with the offer, you can earn 2x Citi ThankYou Points on the purchase as well.

Regardless, make sure to click through from a shopping portal as well; you can find current rates here. Most have terms that exclude Newegg gift card purchases, but I find they sometimes do track and pay out.

The post (EXPIRED) Newegg: $50 off $500 Southwest gift cards appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Choice Privileges is a bit of a red-headed stepchild in the world of points and miles, as most of the chain’s properties are budget- to midrange lodging. No one ever waxes rhapsodic about their recent stay at a Quality Inn.

That said, Choice has a massive footprint in the US, oftentimes serving as the only points option in more remote locations. Additionally, the growing Ascend Collection, combined with the ability to redeem Choice points for Preferred Hotels and Resorts stays, has even Greg the Frequent Miler working through a small pile now and again.

So, Choice Privileges can be useful, but what exactly are the points worth? Should we be putting all of our spending on a Choice card this year? In order to try to answer those questions, we do a deep dive into what Choice points will get you in 2026.

Overview

At Frequent Miler, we keep a database of point valuations called “Reasonable Redemption Values.” These are estimates of the “worth” of airline miles, hotel points, transferable points, and more. The idea is that we try to identify the point at which it is “reasonable” to get that much value or more from your points.

This information is critical for making informed decisions. In fact, it’s a key component of the First Year Value information shown on our Best Credit Card Offers page, and it’s similarly used to show which cards offer the best value for everyday spend and which offer the best category bonuses.

When we first started looking at the value of hotel points, we used a laborious process that involved manually comparing the cash and award prices of hundreds of stays each year, then using those results to create RRV estimates. However, we now have a much better way of pinning down the value of Choice points.

Gondola is a terrific free hotel search tool that shows prices for properties in both cash and points, and it keeps data on both for searches on its platform. Gondola has made this data available to us to identify hotel program point values. Thanks to them, we now have access to results from ~980,000 domestic and international Choice Privileges award searches across almost 5,000 properties, and each one shows both the cash and award prices for the same room. Using this data, we can provide a far better estimate of the “Reasonable Redemption Value” of Choice points than we were ever able to obtain by using manual calculations.

Based on Gondola’s data, the Reasonable Redemption Value (RRV) for Choice points has increased. It’s now 0.75 cents per point, up from the previous value of 0.67.

Methodology

To determine the value of Choice points, we examined Gondola’s collected real-world cash and point prices across almost 5,600 Choice Privileges properties. Since Choice award bookings are fully refundable, we excluded data on all non-refundable cash rates to make the comparison apples-to-apples. We also used the Total Cash Rate, which includes taxes and any local fees.

Hotel Programs that Waive Resort Fees on Award Stays

Hilton, Hyatt, and Wyndham waive resort fees when you book stays using points or free night certificates. For these chains, the resort fee need not be considered separately from the Total Cash Rate (which includes it). So, the RRV calculation is as follows:

RRV = Total Cash Rate ÷ Point Price

Hotel Programs that Charge Resort Fees on Award Stays

IHG, Marriott, Accor, Choice, and many other hotel programs impose resort fees on award stays. For these chains, the resort fee must be explicitly accounted for in the calculation. We do that by having Gondola subtract it from the Total Cash Rate. The RRV calculation is as follows:

RRV = [Total Cash Rate – Resort Fee] ÷ Point Price

Gondola Data

For our hotel RRV values, we use the median observed from Gondola data. If the median is 1 cent per point, meaning that half of all searches produced a value of less than 1 cent per point, and the other half above 1 cent per point.

• Gondola Median Observed Value for Choice redemptions: 0.75 cents per point
  (based on data as of February 26th, 2026)
• Range: .30 to 7.52 cents per point

Brand Comparison

Another cool feature of the data set Gondola provides is that we can see how point values vary across a program’s brands. There isn’t much variance among Choice’s brands, especially with the well-known ones like Quality Inn, Clarion, Ascend Collection, Comfort Inn, etc. These all tend to cluster right around that 0.75 cent-per-point range.

Here are some examples of properties that stray further beyond:

Results

Point Value

The median observed point value for Choice points was 0.75 cents per point. This means that half of the observed results offered equal or better point value, and half offered equal or worse value.  Another way to think about it is that, without cherry-picking the best awards, you have a 50/50 chance of getting at least 0.75 cents in value from your Choice points when booking free-night awards.

Compared to our last analysis, the value of Choice points has increased slightly. My guess is that this is primarily due to the inclusion of international properties this year, which can often be excellent value when booking with Choice.

Pick your own point value

When we publish Reasonable Redemption Values (RRVs) for points, we conservatively use the middle value, i.e., the 50th percentile. The idea is that just by randomly picking hotels to use your points, you have a 50/50 chance of getting this value or better.

But what if you “cherry-pick” awards? Many people prefer to hold onto their points until they find uses that represent good value. If that’s you, then you may want to use the table above to pick your own point value. For example, if you think that you’ll hold out for the best 10% value awards, then pick the 90th percentile. If you cherry-pick a bit, but not that much, you might want to use the 75th percentile (for example). We’re guessing that most cherry-pickers will land around the 75th percentile: 0.88 cents per point.

This analysis shows that those who cherry-pick good-value awards can expect to receive around 0.88 cents per point in value or better.

Reasonable Redemption Value for Choice points: 0.75 CPP

Our Reasonable Redemption Value (RRV) for Choice points was previously set at 0.67 cents per point, but we’ve now raised it to 0.75 cents per point. RRVs are intended to be the point at which it is reasonable to get that much value or better for your points. Therefore, we believe the median observed value is a good choice for our RRV.

• Reasonable Redemption Value for Choice: 0.75 cents per point
• Targeted Redemption Value for those who cherry-pick awards: 0.88 cents per point

Points are worth less for elite members

In most hotel programs, elite members earn more points per dollar on paid stays than non-elite members do. As a result, the relative value of an award stay compared to a paid stay decreases. The following table shows the median point values with various levels of elite status.

As you can see above, points are worth a bit less for elite members and during double-point promotions, but these factors don’t make a huge difference

Overvaluing vs. Undervaluing Points

There is no perfect way to estimate the value of points. Decisions we made here, in some ways, overvalue points and, in some ways, undervalue points. The hope is that these things roughly offset each other…

Factors that cause us to undervalue points

• With hotel programs that offer 4th Night Free Awards (IHG, with some credit cards), or 5th Night Free Awards (Hilton & Marriott), or award discounts (Wyndham), we do not consider the point savings in our analyses.
• With hotel programs that offer free parking on award stays to top-tier elites (Hyatt), we do not factor this in.

Factors that cause us to overvalue points

• We do not use discount rates (other than member rates) in our analyses.  In real life, many people book hotels more cheaply (and sometimes far cheaper) by using AAA rates, government & military rates, senior rates, etc.
• We do not use hotel promotional rates. Often, individual hotels have deals such as “Stay 2 Nights, Get 1 Night Free,” which can greatly reduce the cost of a stay.
• We do not use prepaid rates in our analyses. Sometimes these rates are significantly lower than refundable rates.
• We do not factor in rebates earned by booking hotels through shopping portals.
• We do not factor in extra points earned on paid stays for elite-status members.
• We do not factor in rewards earned from hotel credit card spend.
• We do not factor in hotel loyalty program promotions: Most promotions, but not all, only offer incentives for paid stays.  We often see promos offering bonus points, double or triple points, free night awards, etc.
• With hotel programs that waive resort fees for top-tier elites on paid stays (e.g., Hyatt), we do not factor this in.

Conclusion

Based on the latest analysis, we’ve raised our Choice RRV to 0.75 cents per point.  The idea is that you have an equal chance of getting that much value or more from your award stays.

See all our Reasonable Redemption Values (RRVs) here

The idea behind using the median for our RRVs is that you have a 50/50 chance of getting that much value or more from your award stays, and so it is reasonable to expect to get that much value or better. For those more advanced, this post’s percentile results indicate it’s reasonable to expect 0.88 cents per point or better if you cherry-pick good-value awards.

The post What are Choice points worth? appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

In today’s podcast episode, we see that Marriott tops off their top-offs, Aviator Silver cards become unique collectibles, and we’ll talk about the best ways to earn and redeem Rove Miles.

Rove Miles: Transferable Points w/out a credit card

Watch here:

Or listen here (or click “Follow” on the player below to select your preferred podcast app instead):

Giant Mailbag

(01:07) – Diana shares some thoughts regarding a recent podcast episode, Speed up US entry with Mobile Passport Control | Coffee Break Ep96 | 3-10-26

See the Coffee Break Ep96 here.

Card News

(03:34) – Barclays Aviator to Citi transition April 2026

Learn more about the Barclays Aviator transition to Citi here

(12:44) – Robinhood Platinum Credit Card

Read more about this card here

(15:39) – Southwest companion pass offers ending March 19th 7am ET

Mattress Running the Numbers

(17:22) – Leading Hotels of the World points sale: Get up to 100% bonus

Learn more about the Leading Hotels of the World points sale here

(21:42) – Read Nick’s post about family-friendly Leading Hotels of the World properties here

Awards, Points, and More

(24:18) – Marriott making it possible to redeem up to 25K + FNC (up from 15K).

(27:59) – You can now add Marriott gift cards to your Bonvoy account (both in-app & on website)

Read more about adding Marriott gift cards to your Bonvoy account here: https://frequentmiler.com/you-can-now-add-marriott-gift-cards-to-your-bonvoy-account-both-in-app-on-website/

(30:44) – Amex to fold Tock into Resy in Summer 2026

Read more about Amex’s plans with Tock here: https://frequentmiler.com/after-purchasing-tock-amex-to-fold-it-into-resy-in-summer-2026/

(34:08) – Spirit Airlines paid status upgrade: Higher status from $79

Learn more about Spirit Airlines’ paid status upgrade here: https://frequentmiler.com/spirit-airlines-paid-status-upgrade-higher-status-from-79/

Main Event: Rove Miles: Transferable Points w/out a credit card

(39:54) – What is Rove?

(42:43) – How to earn Rove Miles

Learn more about Rove Miles here: https://frequentmiler.com/rovemiles/

(56:22) – How to use Rove Miles

(1:00:53) – Rove Miles adds Japan Airlines, launches with 50% transfer bonus through 3/31

Read more here: https://frequentmiler.com/rove-miles-adds-japan-airlines-launches-with-50-transfer-bonus-through-3-31/

And read Nick’s post about JAL opportunities here: https://frequentmiler.com/best-uses-of-japan-airlines-mileage-bank-miles/

(1:02:23) – Rove adds SAS as new transfer partner with 20% transfer bonus through 4/8.

Read more here: https://frequentmiler.com/rove-adds-sas-as-new-transfer-partner-with-20-transfer-bonus/

(1:04:28) – Other good transfer partners

Question of the Week

(1:14:19) – Why don’t you write about the quality of the airline or hotel itself?

Subscribe and Follow

Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media.
Music Credit – “Ocean Deep” by Annie Yoder

The post Rove Miles: Transferable Points without a credit card | Frequent Miler on the Air Ep349 | 3-13-26 appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Citi ThankYou Points might be my favorite transferable currency due to its excellent portfolio of transfer partners and appealing credit cards. However, it has a rather draconian policy for transferring points between cardholders. Each calendar year, you can send a maximum of 100,000 points to another cardholder and receive a maximum of 100,000. The catch is that those transferred points then expire 90 days after they’re moved, a bug feature that I’ve seen burn countless folks.

Unfortunately, Citi may be about to make its transfer policy even worse, as some cardholders (including me) have received the following message on their April statements:

Update to ThankYou® Rewards Point Sharing
Effective 5/17/2026, Point Sharing will no longer be offered as a ThankYou® Rewards redemption option. Additionally, you will no longer be able to receive
shared points. You can share and receive shared points until 5/16/2026.
As a reminder, shared points expire 90 days after the date they were shared.

I received that notice on the statement for my Citi ThankYou Mastercard, a peculiar product that I believe exists only for folks who were converted from another Citi card that was discontinued; mine used to be the old Sears Shop Your Way card.

The reason I mention this is that I’m not yet 100% sure the change will apply to all ThankYou Points earned from any Citi card, or just those earned from this particular one. The only data points I can find from folks who have actually received this message are from their ThankYou Mastercards, also. The points from that card are already treated differently from other ThankYou Points, in that they expire 3 years after they’re earned, whereas the points earned from other cards don’t expire so long as the card is open.

There’s no notice on the ThankYou Point website, and when I called Citi to ask about points-sharing, no one I spoke to knew anything or could find any information about it…except the rep from my ThankYou Mastercard.

That doesn’t necessarily mean anything. Citi is notoriously poor at communication, and it could just be that the message is showing up on ThankYou Mastercards first. After all, American Express doesn’t allow transfers between cardholders, and Chase only permits it between cardholders within the same household. It’s not like Citi would be completely out on its own if it decided to mimic Amex.

What Now?

That said, let’s assume that Citi is really ending points transfers on 5/17. I’ve never used the feature myself, as I can’t stand the 90-day expiration policy and didn’t want to be pressured to use them within that window. That said, I’m certain that many people in multiplayer households use it to transfer points in order to immediately use them for a specific award; losing that ability stinks.

It’s important to note that this doesn’t seem to affect the ability to pool points. For instance, I have my Citi Strata Elite, Strata Premier, Double Cash, Custom Cash, and ThankYou Mastercard all on the same ThankYou points account, so they all are deposited into one pool. There is no reason to ever have to use points transfer to move points from one of your cards to another, only between cardholders.

Many people get confused by this because the ThankYou Rewards website (where you combine accounts) is notoriously fickle. Any difference in profile between two cards will keep them from being combined online. This could be an initial, an odd space in the street address or zip code, or even that one account has a phone number listed as “home” while another has it under “mobile.” You can either try to figure out what’s wrong or call the ThankYou Rewards service center, and they can process it for you. However, just to be clear, ending points sharing should have no impact on your ability to pool points between your own cards.

For folks who regularly transfer between players, it will take some household planning, similar to what folks already do with Amex. It’s worth considering whether it makes sense to have one person as the primary point-of-sale earner, with the other using either mobile payment apps or authorized user cards.

It’s also worth taking a look at what redemptions you may want to make over the next year or so, then transferring points before May 16th. Just remember to move them into the relevant loyalty programs before the 90 days are up.

Final Thoughts

It looks like points sharing between Citi cardholders is coming to an end on May 17th. This is undoubtedly a customer-unfriendly move that stinks for folks used to moving points freely between cardholders. This puts Citi’s policy in line with Amex’s, but it’s much more punitive than Chase’s and Capital One’s.

This is most likely intended as an anti-fraud measure, though that’s no comfort to folks who used it as intended. I’m surprised that Citi felt like they needed to do this, given the 100k annual limit and 90-day expiry, but here we are.

I love Citi points and never use the points sharing feature, so I won’t notice its departure. However, for folks who rely on household transfers to build a redeemable stash of points, it may be worth designating one person as the Citi “point-earner” and then focusing on Capital One and Chase in order to share points freely between players.

The post Citi ThankYou Points about to end points-sharing between cardholders? appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Depending on how many Chase and American Express Marriott credit cards you hold, it’s possible to end up with numerous free night certificates after renewing your cards each year.

You can also select a free night certificate valid for properties costing up to 40,000 points per night as your Choice Benefit when earning Titanium Elite status.

Redeeming your certificate(s) is fairly straightforward, though there are some quirks worth noting when booking. Here’s a quick guide to using Marriott free night certificates, as well as several ways they can’t be used.

How To Find Your Marriott Free Night Certificates

To see which Marriott certificates are available to you, visit the Activity section when logged in to your account. If you have any unused certificates available, you’ll see them listed there.

In the screenshot above, I mostly had certificates that could be redeemed for nights costing up to 35,000 points per night, although I did use my Choice Benefit from earning Titanium Elite status that year to choose a 40k certificate too.

If you have some older Chase Marriott cards that haven’t been upgraded yet, you might have certificates that can be used for properties costing up to 25,000 points, while the Chase Ritz-Carlton and Amex Bonvoy Brilliant cards both come with certificates good for properties costing up to 85,000 points per night at renewal. Welcome offers sometimes come with certificates valid for up to 50,000 points per night, and some cards also offer 50k certificates when spending enough on the card over the course of a year.

Marriott lets you top up certificates with up to 25,000 points from your account in order to book properties costing more than the certificate’s value.

How To Use Marriott Free Night Certificates

Unlike IHG certificates, where you have to click a specific link in your account to redeem them or select the certificate on the initial search screen when logged in, you only need to be logged in to your Marriott account to be able to redeem theirs.

Do a search as normal, checking the ‘Use Points/Certificates’ box so it displays the point requirements. Once you’ve found a property you like, click ‘View Rates’ to see the room options available.

As you can see in the above screenshot, you’ll see two options – one for Cash and Points and one for points (or free night certificates).

If you click ‘Select’ for the ‘Redemption’ option, Marriott’s website will show you a couple of options: redeem an eligible free night certificate or points. Marriott sometimes defaults to a free night certificate rather than points, but other times it defaults to a points booking.

If you’re happy to use your certificate, continue scrolling down the page and complete the booking process.

How To Redeem Multiple Marriott Free Night Certificates

Another way Marriott’s process for redeeming free night certificates differs from IHG’s is that IHG only allows you to book one night at a time with a certificate, whereas Marriott allows you to book multiple nights.

For example, let’s say you have lots of certificates to use up and want to use them for a five-night stay. After selecting your room, you’ll be provided with that option if there’s award availability.

In this example, I could redeem either five free-night certificates or 140,000 points for the stay. If you’d rather save some of your certificates and redeem some points towards the stay in their place, you can do that by unchecking the certificate(s) you don’t want to use. When doing that, it’s best to uncheck the certificate(s) with the furthest expiry dates.

Marriott Sometimes Redeems Multiple Certificates Weirdly

If you plan to redeem two or more certificates for a stay, keep an eye on how Marriott applies them, as they sometimes apply them sub-optimally.

For example, let’s say you want to book a weekend stay using a 35k certificate and a 40k certificate, with the two nights costing 32k points for the first night and 39k points for the second. In theory, your certificates are sufficient to pay for both nights without needing to top them up with points.

However, I’ve had instances where Marriott has applied them in a seemingly haphazard manner. In the above scenario, you might find them applying the 40k certificate to the 32k night and the 35k certificate to the 39k night. That would mean you’d have to top up the 35k certificate with an additional 4,000 points, which is annoying.

To force it to use the certificates you have for specific nights, you might have to book one night at a time, selecting which certificate you want to use for each night. It’s annoying because when checking in, you have to ensure they link your reservations to keep you in the same room, but it’s better than redeeming points you don’t need.

How Marriott Free Night Certificates Can’t Be Used

As I mentioned earlier, redeeming your certificates is straightforward. However, there are a few features and quirks worth noting.

Can’t Be Stacked With ‘Stay 5, Pay For 4’ Benefit

One benefit of the Marriott Bonvoy program available to all members (rather than just those with status) is that when you stay 5 nights, you’ll get one of those nights free on an award stay. For the purpose of this benefit, though, it’s only available when redeeming points – not free night certificates.

I showed earlier how to redeem multiple certificates at once. That example showed the results when booking a five-night stay. Despite Marriott having the Stay 5, Pay For 4 benefit, that sadly doesn’t mean you only need to redeem four certificates.

When looking at the Summary of Charges for a five-night stay using certificates, you’ll see that one night costs 0 points, but a free-night certificate is still required for that night.

That’s frustrating, and if you’re booking a five-night stay, it might be worth redeeming points to take advantage of the Stay 5, Pay For 4 benefit.

Can’t Book More Than One Night With A Single Certificate

Some Marriott award stays cost significantly less than 25k, 35k, 40k, 50k, or 85k. While it would be nice to book two or more nights with a single free night certificate, that’s sadly not an option.

For example, 35,000 points can book two nights at a property costing 17,500 points per night, but it’s not possible to redeem one 35,000-point certificate for those same two nights. Instead, those two nights would require two certificates.

Can’t Be Redeemed For Premium Rooms

Depending on the property and award availability, you might sometimes see multiple room types bookable at different point levels. Even if your certificate would be able to cover the cost of a higher-priced room, unfortunately, Marriott doesn’t let you redeem certificates for those premium room types – only standard room pricing.

Sometimes you might get lucky, though, and find a premium room bookable for a standard number of points. For example, if you have a 35k free night certificate and want to book a stay at a Residence Inn, you might see a studio king room for 34k points as well as a one-bedroom suite for 34k points. Despite the one-bedroom suite being a premium room type (and probably more expensive cash-wise), you can redeem the certificate for that suite, as it’s in their system at standard pricing. A two-bedroom suite at the same property costing 39k points wouldn’t be bookable, though, even if you wanted to top up with 4k points.

Can’t Get A Refund For Unused Points

Certificates can be redeemed for a free night at any property within their points limit, but Marriott won’t award you points for any unused balance above that limit.

For example, you can redeem a 35,000-point certificate for a property costing 25,000 points, but you won’t have the 10,000-point differential posted to your account – that potential extra value just goes to waste.

Can’t Gift A Certificate To Someone Else (Sort Of)

Unlike some other programs like World of Hyatt, Marriott Bonvoy doesn’t allow you to gift your certificates to someone else. Not officially, anyway.

There’s a potential workaround, but it does involve a little risk. You can add the other person’s name as a guest on the booking and ask the hotel to let them check in. I’ve successfully done this for family members in the past, but there’s no guarantee that every hotel will allow it. It might be that they had no issues, seeing as they had the same last name as me, but I suspect it could also depend on whether the person you’re booking for gets an ornery front desk agent.

Extending Marriott Free Night Certificates

In the past, it was often possible to extend the expiration date on free night certificates by contacting the customer care team. Unfortunately, that has come to an end, and it’s not longer possible.

Summary

As you can see, it’s easy to redeem Marriott free night certificates earned from credit cards and Titanium Elite status, but it’s good to be aware of how they can – and can’t – be used.

The post How To Use Marriott Free Night Certificates (And How They Can’t Be Used) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

With the addition of American AAdvantage, ThankYou Points now rivals both Amex Membership Rewards and Chase Ultimate Rewards in terms of its transfer partner portfolio.

However, since the demise of the (greatly missed) Prestige card, Citibank had been curiously absent from the bougie world of ultra-premium travel cards. Last year, Citi changed that by throwing its hat back in the ring with the release of the Citi Strata Elite℠ Card.

With $500-700 of calendar-based credits that can be double-dipped during the first cardmember year and an excellent welcome offer, the Strata Elite is just short of a first-year no-brainer. But what about after that?

Citi Strata Elite Current Welcome Offer

Card Offer

Citi Strata Elite℠ Card ⓘ $899 1st Yr Value Estimate$200 Blacklane credit valued at $80, $200 "Splurge" credit valued at $160, $300 hotel credit via Citi Travel valued at $180 Click to learn about first year value estimates 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75,000 points after $6,000 spend in the first 3 months. $595 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent portfolio of transfer partners, but mediocre bonus categories and a so-so group of credits. Recommend pairing this with Citi Premier and/or Double Cash. Click here for our complete card review

Citi Strata Elite℠ Review

The $595 Strata Elite card offers a fairly easy-to-use $300 hotel credit and a $200 “Splurge” credit that can be used at places like Best Buy, Live Nation, and American Airlines. It has the requisite Priority Pass membership, Global Entry credit, and earns 1.5x everywhere with no foreign transaction fees, something that neither Chase nor Amex can replicate.

However, the bonus categories are few and far between. It’s a “travel card,” but if you don’t book through Citi’s portal, you earn 1.5x, and your travel protections lag behind those offered by other ultra-premium products. The 6x dining category is just short of absurd, as it only works on Friday and Saturday nights from 6 pm-6 am EST…and doesn’t everyone worldwide want to keep track of Eastern time when they’re going out for dinner?

If you combine this card with the Citi Strata, Double Cash, and Custom Cash, you’ll have an excellent quartet of bonus categories and everywhere rewards, even when outside the US. But aside from the 1.5x earning when traveling abroad and the 6x on very limited dining hours, it’s hard for me to see the rationale for most folks to make this the cornerstone of their Citi wallet in lieu of the $95 Citi Strata Premier.

If you can maximize the credits and get the no-annual-fee Strata card to add 3x on gas and groceries, you could argue that the net cost is lower, and you add AA lounge passes and Priority Pass at about the same annual cost (or less). However, for many folks who don’t want the extra complication of two cards and who may already have a Priority Pass, the Premier may look like a better one-stop option.

• Annual Fee: $595
  • Authorized User Annual Fee: $75
• Foreign Transaction Fee: None
• What points are worth: The Citi Strata Elite card earns Citi ThankYou Points. Our current Reasonable Redemption Values peg them at 1.5 cents each.
• Best Use for Points: ThankYou Points (TYP) can be transferred to most travel partners at a 1:1 ratio, which usually yields the most value. TYP has one of the best mixes of hotel partners among the major transferable currencies: Accor, Wyndham, Leading Hotels of the World, Preferred Hotels, and Choice Privileges. Airline partners also offer excellent options, including American Airlines, Avianca LifeMiles, Air France/KLM Flying Blue, British Airways Avios, and Eva Air. Citi is the only program that transfers 1-1 to Eva Air, and that can be a great choice between the US and Asia. Cardholders can also use points for a statement credit at 1 cent per point, but only if they combine the points with a Double Cash or Custom Cash card. Otherwise, the rate is a paltry 0.7 cents each when cashed out.
• Earning Categories: 
  • 12x Hotels, car rentals, and attractions booked through Citi Travel℠
  • 6x Air Travel booked through Citi Travel℠
  • 6x Restaurants between 6 pm and 6 am EST on Friday and Saturday nights
  • 3x Restaurants all other times
  • 1.5x Everywhere else
• Travel Perks:
  • Priority Pass Select membership with two free guests (no restaurants)
  • 4 American Airlines Admirals Club passes per calendar year (each one good for one adult and up to three children)
• Credits:
  • $300 Hotel Credit (one per calendar year): Only valid on hotel stays of two nights or more. Must book through Citi Travel℠.
  • $200 Splurge Credit (one per calendar year): Up to $200 in statement credits on your choice of up to 2 of: 1stDibs, American Airlines, Best Buy®, Future Personal Training, or Live Nation.
  •  $200 ($100 Jan-June and $100 July-Dec) in private chauffeur credit with Blacklane.
  • $120 Global Entry® or TSA PreCheck® application fee credit (once every four years).
• Travel Protections:
  • Trip Delay Protection: Round-trip travel only; must pay the full cost of transportation with the card; $500 max/trip; 2 claims per account per 12 consecutive months.
  • Trip Cancellation and Interruption Protection: Round-trip travel only, must pay full cost of transportation with card, $5K max/trip, and $10K/account per 12 consecutive months
  • Lost or Damaged Luggage Protection: Must pay in full with card and/or with points associated with card, $5K max/trip ($2K for New York residents)
  • Car Rental Insurance: Coverage is secondary within the country of residence and primary outside of that country. Covers rental car only.
• Purchase Protections:
  • Damage and Theft Protection: 120 days against damage or theft up to $10,000 per claim/$50,000 per calendar year.
  • Extended Warranty: Citi extends coverage by 24 months on items with a manufacturer’s warranty of 24 months or less. $10K/item. This is the best extended warranty coverage of any issuer.
• Who’s this card for? Anyone for the first year, where it’s possible to double-dip the credits. After that, folks who can utilize the excellent rates for booking travel through Citi’s portal and who eat out A LOT on weekend nights.
• Is the Citi Strata Elite a keeper? If you book a lot of travel through online travel agencies like Expedia or Booking.com, maximize the credits, and add in a no-annual-fee Strata card, the Strata Elite could be a good way to combine excellent earnings and good travel benefits. Outside of that, many folks may struggle to see this card as a long-term fit.

Citi Strata Elite Pros and Cons

Pros

• Excellent earnings through Citi’s travel portal
• Credits are relatively easy to take advantage of
• Very good extended purchase protection
• Impressive variety of airline and hotel transfer partners
• Transfers to Choice Privileges at double the rate of Amex or Capital One
• Miles can be shared across cards and cardholders
• Forms a good quartet with the Citi Double Cash, Strata, and Custom Cash
• American AAdvantage is arguably the best domestic airline partner of all of the major transferable currencies

Cons

• Although the card now offers travel protections, they are more restricted than those offered by competitors
• Bonus categories are lackluster for such an expensive card
• Only earns 1.5x on travel if you don’t book through Citi’s portal
• 6x dining is nice…but who wants to keep track of what time it is in New York when you go out to eat?

Citi Transfer Partners

Related Cards

Card Offer and Details
Citi Strata Elite℠ Card ⓘ $899 1st Yr Value Estimate$200 Blacklane credit valued at $80, $200 "Splurge" credit valued at $160, $300 hotel credit via Citi Travel valued at $180 Click to learn about first year value estimates 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75,000 points after $6,000 spend in the first 3 months. $595 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent portfolio of transfer partners, but mediocre bonus categories and a so-so group of credits. Recommend pairing this with Citi Premier and/or Double Cash. Click here for our complete card review Earning rate: 12X hotels, car rentals and attractions booked through Citi Travel℠ ✦ 6X airfare booked through Citi Travel ✦ 6X dining between 6pm and 6am EST Fridays and Saturdays ✦ 3X dining all other times ✦ 1.5X everywhere else Base: 1.5X (2.25%) Portal Flights: 6X (9%) Portal Hotels: 12X (18%) Dine: 3X (4.5%) Card Info: Mastercard World Legend issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline and hotel partners ✦ $300 annual (calendar year) hotel credit on a stay of 2 nights or more when booked with Citi Travel ✦ $200 in annual (calendar year) statement credits on your choice of up to 2 of: 1stDibs, American Airlines, Best Buy®, Future Personal Training, or Live Nation ✦ $200 in annual private chauffeur credit with Blacklane ($100 Jan-June and July-Dec) ✦ Priority Pass Select membership with two free guests (no restaurants) ✦ 4 American Airlines Admirals Club passes per calendar year (for one adult and up to three children) ✦ $120 Global Entry® or TSA PreCheck® application fee credit ✦ Travel protections ✦ $145 annual fee rebate for CitiGold and Citi Private Client members See also: Citi ThankYou Rewards Complete Guide
Citi Strata Premier℠ Card ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60,000 points after $4,000 spend in the first 3 months $95 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75k after $6 spend in the first 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies ✦ 1x everywhere else Base: 1X (1.5%) Flights: 3X (4.5%) Hotels: 3X (4.5%) Portal Hotels: 10X (15%) Grocery: 3X (4.5%) Dine: 3X (4.5%) Gas: 3X (4.5%) Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline and hotel partners ✦ $100 Annual Hotel Savings Benefit ($100 off a $500+ hotel stay, excluding taxes and fees, when booked through Citi Travel) ✦ Travel protections See also: Citi ThankYou Rewards Complete Guide
Citi Double Cash® Card ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points. No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card review Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase) ✦ Earn 3% total cash back on hotel, car rentals, and attractions booked on Citi Travel℠ Portal Base: 2X (3%) Portal Flights: 3X (4.5%) Portal Hotels: 3X (4.5%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases ✦ Transfer points to airline and hotel partners (at reduced ratios and no AA) ✦ 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide
Citi Strata℠ Card ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates 20K Points 20,000 points after $1,000 spend in the first 3 months No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30,000 points after $1,000 spend in the first 3 months (expired 1/13/26) FM Mini Review: Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Strata Premier and/or Citi Double Cash. Earning rate: 5X Hotels, Car Rentals and Attractions booked on Citi Travel℠ ✦ 3X grocery ✦ 3X gas stations & EV charging ✦ 3X select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals ✦ 3X self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores) ✦ 2X dining Base: 1X (1.5%) Grocery: 3X (4.5%) Dine: 2X (3%) Gas: 3X (4.5%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Transfer points to airline and hotel partners (at reduced ratios and no AA) ✦ Earn $5 Lyft credit after 3 eligible rides See also: Citi ThankYou Rewards Complete Guide
AT&T Points Plus Card ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates $200 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 statement credit after $1K spend in the first 3 Months No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card Earning rate: 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases Base: 1X (1.5%) Grocery: 2X (3%) Gas: 3X (4.5%) Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ or $10 statement credit when you spend $500 - $999.99 (for AT&T Wireless customers only) See also: Citi ThankYou Rewards Complete Guide
Citi Custom Cash® Card ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points after $1,500 spend in the first 6 months No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months FM Mini Review: This is a great card to have and hold for a single category where you spend no more than $500 per month as it represents an excellent return without rotating categories to track. Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases Base: 1X (1.5%) Travel: 5X (7.5%) Flights: 5X (7.5%) Hotels: 5X (7.5%) Grocery: 5X (7.5%) Dine: 5X (7.5%) Gas: 5X (7.5%) Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Transfer points to airline and hotel partners (at reduced ratios and no AA) ✦ 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide
Citi Business ThankYou Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available No Annual Fee Learn more This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3x travel ✦ 3x office supply ✦ 3x professional services Base: 1X (1.5%) Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.) See also: Citi ThankYou Rewards Complete Guide
Citi Preferred Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Downgrade from Prestige or Premier to this card in order to keep points alive Earning rate: 2X dining and entertainment Base: 1X (1.5%) Dine: 2X (3%) Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. See also: Citi ThankYou Rewards Complete Guide
Citi ThankYou Mastercard ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is currently not accepting applications No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Terrific bonus categories for a card with no annual fee, and has regular spending offers that often give 10-15% cash back or Thank You Points. It's a keeper. Earning rate: 5X gas (up to $10k in spending per year) ✦ 3X grocery, dining (up to $10k in spending per year) ✦ 3X deparment stores, drug stores ✦ 1X everywhere else Base: 1X (1.5%) Grocery: 3X (4.5%) Dine: 3X (4.5%) Gas: 5X (7.5%) Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees.
AT&T Access Card ⓘ $-16 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card may be worth it for a welcome offer, but it would be worth considering a product change to the Double Cash down the road..Unforunately, it seems it is no longer possible to product change to the AT&T Access More card. Earning rate: 2 points per $1 on products and services that are purchased directly from AT&T ✦ 2 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Base: 1X (1.5%) Brand: 2X (3%) Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. See also: Citi ThankYou Rewards Complete Guide
AT&T Access More Card ⓘ $-95 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available $95 Annual Fee Learn more This card is no longer available to new applicants. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings) Earning rate: 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Base: 1X (1.5%) Brand: 3X (4.5%) Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending See also: Citi ThankYou Rewards Complete Guide
Citi Prestige Card ⓘ $-495 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available $495 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: The Prestige card's best in class 5X rewards for dining, airfare, and travel agencies is hard to beat. Sadly, this travel card doesn't provide any travel protections. Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else Base: 1X (1.5%) Flights: 5X (7.5%) Hotels: 3X (4.5%) Dine: 5X (7.5%) Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: $250 travel rebate per calendar year ✦ Free lounge access: Citi Properietary Lounges; and Priority Pass Select with free guests ✦ $100 Global Entry application fee credit ✦ 4th night free hotel benefit See also: Citi ThankYou Rewards Complete Guide

Citi Application Tips

The post Citi Strata Elite℠ Credit Card Review (2026) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Marriott offers several credit cards from two issuers, some of which can be very attractive. You might be considering signing up for a new card, but if you’ve ever signed up for any other Marriott card, you might not qualify. Chances are very good that you are blisteringly baffled by Bonvoy’s byzantine card bonus rules. Are you eligible for a new card bonus? The answer depends upon which cards you have now, which you’ve had before, when you signed up, when you canceled, and the color of the moon.

What follows is my best attempt to simplify the rules…

Eligibility Matrix

This display visually shows the rules as I understand them:

		Card You Want
Cards You've Had (Or Recently Applied For)		Chase Bonvoy Bold	Chase Bonvoy Boundless	Chase Bonvoy Bountiful	Amex Bonvoy Business	Amex Bonvoy Brilliant	Amex Bonvoy Bevy
Chase	Ritz Carlton					30
	Bonvoy ($45 card)
	Bonvoy Premier	24
	Bonvoy Bold				90 24	30 90 24
	Bonvoy Boundless
	Bonvoy Bountiful			24
	Bonvoy Business ($45 card)				30
	Bonvoy Premier Plus Business
Amex	Bonvoy	30		30 90 24
	Bonvoy Business	90 24
	Bonvoy Bevy
	Bonvoy Brilliant

Eligibility Key
	You are eligible for this card and welcome bonus
30	You're are not eligible for a welcome bonus if you have had the card on the left within the past 30 days
24	You will not be approved if you currently have or if you've received a welcome bonus in the past 24 months for the card on the left
90 24	You are not eligible for a welcome bonus if you were approved for the card on the left within the past 90 days; or if you've received a welcome or upgrade bonus in the past 24 months.
30 90 24	You are not eligible for a welcome bonus if you've had the card on the left within the past 30 days; or if you were approved for it within the past 90 days; or if you've received a welcome bonus or upgrade bonus for it in the past 24 months.
	You are not eligible for a welcome bonus if you've ever had this card before (but the system seems to "forget" that you've had the card about 5 to 7 years after you cancel)

 

Hoping to get a Chase Marriott card?

Here are the currently available Chase Marriott cards:

Card Offer and Details
Marriott Bonvoy Boundless® Credit Card ⓘ $1058 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912, Marriott 50K Free Night valued at $304 Click to learn about first year value estimates Up to Four 50K Free Night Certificates + $100 airfare credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 3 Free Night Awards after spending $3k on eligible purchases within 3 months of account opening, and earn 1 additional Free Night Award after spending $4k total on eligible purchases within 4 months of account opening. Plus, get up to $100 in statement credits after spending $500 on eligible airline purchases. $95 Annual Fee Learn more This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None Earning rate: 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Base: 2X (1.52%) Grocery: 3X (2.28%) Dine: 3X (2.28%) Gas: 3X (2.28%) Brand: 6X (4.56%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit See also: Marriott Bonvoy Complete Guide
Marriott Bonvoy Bountiful™ Card ⓘ $333 1st Yr Value EstimateClick to learn about first year value estimates 85K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 85K points after $4K total spend in first 3 months $250 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 6X Marriott ✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Base: 2X (1.52%) Grocery: 4X (3.04%) Dine: 4X (3.04%) Brand: 6X (4.56%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit See also: Marriott Bonvoy Complete Guide
Marriott Bonvoy Bold® Credit Card ⓘ $205 1st Yr Value EstimateClick to learn about first year value estimates 30k Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 30K points after spending $1k on eligible purchases within the first 3 months No Annual Fee Learn more This card is subject to Chase's 5/24 rule. Click here for details. Recent better offer: 60K points + Free Night Certificate after $2K spend (Expired 7/17/25) FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks Earning rate: 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else Base: 1X (0.76%) Grocery: 2X (1.52%) Brand: 3X (2.28%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ 5 nights of elite credit each year ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit See also: Marriott Bonvoy Complete Guide

In order to get accepted to any of the Chase cards, you must not only satisfy the Marriott-specific rules shown in the chart near the top of this post, but you must also be under 5/24:

Hoping to get an Amex Marriott card?

Here are the currently available Amex Marriott cards:

Card Offer and Details
Marriott Bonvoy Business® American Express® Card ⓘ $1253 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates Up to 5 x 50K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 3 Free Night Awards after you spend $6k in purchases and an extra 2 Free Night Awards after you spend an additional $3k in purchases on the Card within the first 6 months of Card Membership. Each award has a redemption level up to 50K Marriott Bonvoy® points. Terms apply. (Rates & Fees) $125 Annual Fee Learn more Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) Earning rate: 6x at Marriott Bonvoy® properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Base: 2X (1.52%) Dine: 4X (3.04%) Gas: 4X (3.04%) Brand: 6X (4.56%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on eligible purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide
Marriott Bonvoy® Brilliant® American Express® Card ⓘ $1045 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates 200K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 200K points after $6k in eligible purchases within your first 6 months of card membership. Terms apply. Rates & Fees (Offer Expires 5/13/2026) $650 Annual Fee Learn more Recent better offer: None. FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers Earning rate: 6X Marriott ✦ 3X airfare on flights booked directly with airlines ✦ 3X restaurants worldwide ✦ 2X on all other eligible purchases Base: 2X (1.52%) Flights: 3X (2.28%) Dine: 3X (2.28%) Brand: 6X (4.56%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year eligible spend, choose one of: 50k points, 5 Nightly Upgrade Awards, 85k free night certificate, or $1K off a Marriott Bonvoy brand bed Noteworthy perks: 85K Free Night Award each year upon renewal ✦ $300 dining credit per calendar year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass™ membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties ✦ Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide
Marriott Bonvoy Bevy® American Express® Card ⓘ $1001 1st Yr Value EstimateClick to learn about first year value estimates 175K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 175K points after $5k in eligible purchases within your first 6 months of card membership. Terms apply. Rates & Fees (Offer Expires 5/13/2026) $250 Annual Fee Learn more Recent better offer: None. Earning rate: 6X Marriott ✦ 4X restaurants & U.S. Supermarkets on up to $15K in eligible purchases per year ✦ 2X on all other eligible purchases Base: 2X (1.52%) Grocery: 4X (3.04%) Dine: 4X (3.04%) Brand: 6X (4.56%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide

In order to get accepted to any of the Amex cards, you must not only satisfy the Marriott-specific rules shown in the chart near the top of this post, but you must also have fewer than 5 or 6 Amex credit cards:

More Info

Please see these posts for more information about Marriott credit cards:

• Which Marriott Bonvoy card is best?
• Marriott Bonvoy Complete Guide

The post Are you eligible for a new Marriott card? appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Kroger is again running a promotion that awards 4x fuel points on third-party gift cards, whether purchased online or in-store, as well as fixed-value Visa and Mastercard gift cards.

This promotion for 3rd-party gift cards runs from 3/13-3/15, while the Visa/Mastercard portion is valid through 3/17.

Note that the terms on this promo now state that Amazon and fuel gift cards are excluded from earning 4x. You’ll still earn 2x fuel points (which is the normal rate).

The Deal

• Kroger and its empire of affiliated stores are offering 4x fuel points on the following gift cards:
  • All third-party gift cards in-store (must clip coupon)
  • $25, $50 & $100 fixed-value Visa & Mastercard gift cards in-store (must clip coupon)
  • Online purchases of gift cards (direct link, no coupon needed)

Key Terms

• Valid through 3/15/26 for third-party gift cards.
• Valid through 3/17/26 for Visa/Mastercard gift cards.
• Excludes Amazon gift cards.

Quick Thoughts

When buying third-party gift cards, earning 4x fuel points can save you up to 14% on gas. To illustrate how that 14% figure is calculated, let’s say you spend $250 on gift cards during the promotion. That would earn you 1,000 fuel points, which can be redeemed for $1 off per gallon on up to 35 gallons. If you’re able to refuel to that 35-gallon limit (perhaps with a large gas tank or refueling 2+ household vehicles at once), you’d save $35. Saving $35 on the original $250 of gift card spend works out to a 14% discount.

If your gas tank is smaller, though, your savings won’t be as high. For example, our car takes at most 12 gallons, so we can barely save 5% on gas through these kinds of promotions, given what we spend on gift cards. You can often get better discounts on gift cards through sites like Raise, so weigh up all your options before buying them at full price from Kroger or its affiliates like Dillons, King Soopers, Ralphs, Fry’s, or Smith’s.

You can earn 4x fuel points on gift cards purchased online or in-store, though there are a couple of important differences between the two. If you’ll be buying in-store, you have to load the digital coupons to your account first, whereas you’ll automatically earn 4x fuel points when buying gift cards online from Kroger.

The other thing to bear in mind is that buying gift cards in-store lets you take advantage of the plethora of cards offering bonus spend at grocery stores right now. Kroger’s online gift card site processes payments through Blackhawk Network (owner of GiftCardMall and GiftCards.com), so those online orders don’t code as grocery purchases.

Past Offers

• February 26th, 2026
• January 30th through February 1, 2026
• January 23rd, 2026
• January 7th through January 20th, 2026
• January 2nd through January 6th, 2026
• December 26th through December 28th
• November 12th through December 2nd
• November 7th through November 9th
• October 22nd through November 4th
• October 17th – October 21st for Visa and Mastercard gift cards.
• October 17th – October 19th for 3rd-party gift cards
• September 17th – September 30th
• September 14th – September 16th
• August 29th- September 1st
• August 22nd – August 24th
• August 15th – August 17th
• July 31st – August 12th
• July 25th
• July 18th
• July 11th
• June 25th – July 8th
• June 20th – June 22nd
• June 6th – June 17th
• May 30th – June 2nd
• May 23rd – May 26th
• May 16th
• May 1st – May 13th
• April 25th
• April 9th – April 22nd
• March 22nd – April 1st
• March 7th – March 18th
• January 31st
• January 8, 2025 – January 21, 2025
• November 13 – December 3rd
• October 23 – November 5th
• September 18 – October 1st
• August 30 – September 2nd
• August 23rd – 25th
• August 16th – 18th
• July 31st – August 13th
• July 26th
• July 19th
• July 12th
• June 26th – July 9th
• June 21st
• June 5th – 18th
• May 31st
• May 24th – 27th
• May 1st – 14th
• April 26th
• April 10th – 23rd
• March 20th – April 2nd
• March 15th – 17th
• January 31st -February 20th
• January 10th – 23rd
• January 5th – 7th, 2024

The post Kroger: Earn 4x fuel points on 3rd party gift cards & fixed-value Visa & Mastercard gift cards appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

World of Hyatt now has a substantial collection of all-inclusive resorts. While there are locations in Europe, the majority of these properties are in the Americas. In fact, there are now 88 all-inclusive properties bookable throughout Mexico and the Caribbean in the World of Hyatt program, and that’s before Bahia Principe is added at the end of this month.

This post has been updated to include new properties and remove resorts that have left World of Hyatt. In April, Hyatt will be doing its annual category change, which has hit all-inclusive properties particularly hard in recent years. Perhaps more importantly, Hyatt will implement its new 5-tiered “award chart” in May, raising the maximum one can pay for an all-inclusive resort from the current 58k/night to a mind-blowing 85k/night. Almost certainly, the combination of the two means the pricing on most of these properties will go up.

If there are resorts that you’re interested in, now is the time to book them. If they go down in price on the dates you reserved, Hyatt will credit you the difference. If they go up (which is likely), you keep the lower pricing. 

World of Hyatt’s All-Inclusive Award Chart

Hyatt has an all-inclusive award chart that applies to all-inclusive properties as well as Hyatt Ziva and Hyatt Zilara. This chart uses letters to denote the categories, as opposed to the numbers used on Hyatt’s traditional award chart.

Current all-inclusive award chart

Below is the current award chart for standard rooms. Redemptions start at 12,000 points (equivalent to a normal category 4) and go up to 58,000 points, subject to peak, off-peak, and standard pricing.

Effectively, the chart goes from a traditional Category 4 to a new “Category 9” and leaves the US-based Miraval chain in its own “Category Bazillion.” There are also other all-inclusive properties, like Greg’s favorite Alila Ventana Big Sur, that remain in the traditional chart.

Remember that:

• Category 1-7 certificates are not usable for Category E and F.
• Although the all-inclusive chart effectively starts at a traditional Cat 4 (15K points standard), the terms state you can’t use a Cat 1-4 cert at an all-inclusive.
• If you do use a Category 1-7 certificate, you won’t be able to pay for more than two guests, unlike a normal points redemption. So, if you have kids, the all-inclusive chart is effectively out-of-bounds for any certificate redemptions.

New all-inclusive award chart starting in May

Below is the new “evolved” award chart coming in May. Redemptions will begin at 12,000 points for category A properties, but will now go up to a whopping 85,000 points per night. Additionally, the new five-tiered pricing means that even a bottom-level Category A property can charge up to 25k per night, up from the current maximum of 18k.

This is a brutal chart, which will almost certainly mean higher prices across the board for most of these hotels.

World of Hyatt All-Inclusive Resorts in Mexico

Acupulco (1)

• Dreams Acapulco Resort & Spa – Category B

Cabo San Lucas (4)

• Breathless Cabo San Lucas Resort & Spa – Category D
• Dreams Los Cabos Suites Golf Resort & Spa – Category C
• Hyatt Ziva Los Cabos– Category E
• Secrets Puerto Los Cabos Golf & Spa Resort – Category D
• Zoëtry Casa del Mar Los Cabos – Category E

Cancun (15)

• Breathless Cancun Soul Resort & Spa – Category C
• Dreams Natura Resort & Spa – Category C
• Dreams Playa Mujeres Golf & Spa Resort – Category D
• Dreams Sands Cancun Resort & Spa – Category B
• Dreams Vista Cancun Golf & Spa Resort – Category C
• Impression by Secrets Isla Mujeres – Category F
• Hyatt Vivid Grand Island – Category B
• Hyatt Zilara Cancun – Category E
• Hyatt Ziva Cancun – Category F
• Secrets Mirabel Cancun – Category C
• Secrets Playa Blanca Costa Mujeres – Category E
• Secrets Playa Mujeres Golf & Spa Resort – Category D
• Secrets The Vine Cancun – Category C
• Sunscape Cancun – Category C
• Zoëtry Villa Rolandi Isla Mujeres – Category D

Cozumel (2)

• Dreams Cozumel Resort & Spa – Category C
• Secrets Aura Cozumel – Category C

Huatulco (2)

• Dreams Huatulco Resort & Spa – Category B
• Secrets Huatulco Resort & Spa – Category B

Ixtapa (1)

• Sunscape Dorado Pacifico Ixtapa – Category A

Mazatlan (1)

• Dreams Estrella del Mar Mazatlán –  Category B

Puerto Vallarta (6)

• Dreams Bahia Mita Surf & Spa Resort – Category C
• Dreams Vallarta Bay Resort & Spa – Category C
• Hyatt Ziva Puerto Vallarta – Category D
• Secrets Bahia Mita Surf & Spa Resort – Category C
• Secrets Vallarta Bay Puerto Vallarta – Category C
• Sunscape Puerto Vallarta Resort & Spa – Category A

Riviera Maya (13)

• Breathless Riviera Cancun Resort & Spa – Category C
• Dreams Aventuras Riviera Maya – Category B
• Dreams Jade Resort & Spa – Category B
• Dreams Puerto Morelos Resort & Spa – Category C
• Dreams Riviera Cancun Resort & Spa – Category D
• Dreams Sapphire Resort & Spa – Category B
• Impression by Secrets Moxché – Category F
• Hyatt Vivid Playa del Carmen – Category C
• Hyatt Zilara Riviera Maya – Category C
• Secrets Akumal Riviera Maya – Category D
• Secrets Maroma Beach Riviera Cancun – Category E
• Secrets Moxché Playa del Carmen – Category E
• Secrets Riviera Cancun Resort & Spa – Category D

Tulum (2)

• Dreams Tulum Resort & Spa– Category C
• Secrets Tulum Resort and Beach Club – Category D

World of Hyatt All-Inclusive Resorts in the Caribbean

Aruba (1)

• Secrets Baby Beach – Category D

Colombia (1)

• Dreams Karibana Cartagena Golf & Spa Resort – Category B

Costa Rica (1)

• Secrets Papagayo Costa Rica – Category D

Curaçao (3)

• Dreams Curaçao Resort, Spa & Casino – Category B
• Sunscape Curaçao Resort, Spa & Casino – Category B
• Zoëtry Curaçao Resort & Spa – Category C

Dominican Republic (20)

• Breathless Punta Cana Resort & Spa – Category B
• Dreams Cap Cana Resort & Spa – Category C
• Dreams Dominicus La Romana – Category B
• Dreams Flora Resort and Spa – Category B
• Dreams La Romana – Category C
• Dreams Macao Beach Punta Cana – Category C
• Dreams Onyx Resort & Spa – Category C
• Dreams Playa Esmeralda Resort & Spa – Category B (coming soon)
• Dreams Royal Beach Punta Cana – Category B
• Hyatt Vivid Punta Cana – Category C
• Hyatt Zilara Cap Cana – Category F
• Hyatt Ziva Cap Cana– Category F
• Secrets Cap Cana Resort & Spa – Category E
• Secrets La Romana Resort & Spa – Category C
• Secrets Royal Beach Punta Cana – Category C
• Secrets Playa Esmeralda Resort & Spa – Category C (coming soon)
• Secrets Tides Punta Cana – Category C
• Sunscape Coco Punta Cana – Category A
• Sunscape Dominicus La Romana – Category A
• Zoëtry Agua Punta Cana – Category E

Jamaica (7)

• Breathless Montego Bay Resort & Spa – Category E
• Dreams Rose Hall – Category C
• Hyatt Zilara Rose Hall – Category E
• Hyatt Ziva Rose Hall – Category E
• Secrets St. James Montego Bay – Category D
• Secrets Wild Orchid Montego Bay – Category D
• Zoëtry Montego Bay Jamaica– Category D

Panama (1)

• Dreams Playa Bonita Panama – Category B

St. Lucia (2)

• Secrets St. Lucia Resort & Spa – Category C
• Zoëtry Marigot Bay St. Lucia– Category E

Quick Thoughts

As of now, 88 total all-inclusive properties are bookable throughout Mexico and the Caribbean in World of Hyatt’s “Inclusive Collection”. Of those, the breakdown by category is:

• Category A – 4
• Category B – 15
• Category C – 39
• Category D – 14
• Category E – 11
• Category F – 5

When I first wrote this post in mid-2022, there was only one property higher than category C, at 29,000 points/night in peak season. In addition, there were ten all-inclusive properties bookable for as low as 12-18,000 points. That’s changed, though. The category changes that occurred in 2023 – 2025 have hit North American all-inclusives particularly hard.

Now, there are a whopping 30 properties above category C, and only 4 remain in category A. While that change isn’t unwarranted, given the cash prices many of these hotels are commanding, it’s still a significant blow to their award points value. I’m sure that this trend will continue in future category changes.

Dreams and Secrets used to be Choice Privileges partners back in the day, so it’s not terribly surprising to see them clustered in the middle of the award chart. Zoëtry and Impressions, on the other hand, are well-reviewed and look like a lovely set of properties. Here’s how reader Deltahater described the differences:

Sunscape is the low-budget family property
Now and Dreams are family properties with Dreams being more sophisticated
Breathless and Secrets are adults-only
Zoetry is more for the elderly among us

I have stayed at Dreams for the last 12 years. They are NOT like Ziva/Zilara. One step below. (Zoetry is probably a notch above Ziva/Zilara)

I have to say, and it may very well show my “elderliness,” the most exciting properties for me are the Zoëtrys… and I enjoyed the only time I’ve stayed at one (the now-Marriott, Zoetry Paraiso de la Bonita). While the vast majority of these properties are in Mexico and the Dominican Republic, the options in Panama, Costa Rica, Curaçao, and St. Lucia create some intriguing possibilities.

All eleven of the all-inclusive brands count separately towards the Brand Explorer program, which is great. As of now, ~30% of Hyatt’s total brands are all-inclusive.

The post World of Hyatt: Mexico and Caribbean all-inclusive properties to book before price changes appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Until recently, I associated the Leading Hotels of the World loyalty program with words like “boutique” and “luxury”. Especially in Europe, where most hotels limit occupancy to just two guests per room, I never would have associated this Citi ThankYou transfer partner with “family travel”. Imagine my surprise when I found out that Leading Hotels of the World has some really awesome-looking family-friendly properties — but you’ll need quite a stash of Citi points to take advantage of the best-looking options. Still, I thought it worth highlighting that the LHW footprint includes places better-suited to family trips than I would have expected.

Leading Hotels of the World maintains a page of family-friendly hotels

Much to my surprise, when I Googled looking for the best Leading Hotels of the World properties for kids, I immediately came across this page on the LHW website listing some of their top options for kids on a page titled “Beyond the Kids Club”. A few of the properties on that page look awesome. This is how they describe the page:

These members of The Leading Hotels of the World cast aside cliché notions of a “Kids Club” and invite their smallest guests to embark on experiences that are as exciting as they are enriching. More than babysitting and board games, these hotels offer young guests the opportunity to exercise their imagination in the wilderness, perfect their culinary skills alongside top chefs, create their own rhythm in a world-class studio and make new friends all over the world. These elevated Kids Clubs will take family vacation from child’s play to world class.

That sounded really interesting to me as I enjoy the chance to both help my kids learn new things and play and make friends with kids from different countries.

I was really surprised at just how family-centric some Leading Hotels of the World (LHW) properties are. As an entity, Leading Hotels of the World feels very similar to Small Luxury Hotels of the World or Mr. & Mrs. Smith in that it is more of an association of independent luxury properties than a “chain”. While my family has loved some boutique hotel properties, and I enjoy a luxury hotel experience as much as anyone, I generally associate “family-friendly amenities” with major chain resort brands rather than independent hotels. That’s not to say that I don’t appreciate boutique hotels, but rather that LHW is not a loyalty program I would think to search when family-friendly amenities are a priority for a trip. Some of the Leading Hotels of the World examples I found through that link and elsewhere on the LHW site have changed my perception and now have me looking at LHW with a renewed interest.

This post is just meant to share some of those examples because they challenged my perception of LHW, and they perhaps give the program a broader appeal than the niche “boutique hotel” box in which I had placed them in my own mind.

Villa del Parco & Spa, Forte Village (Sardinia, Italy)

I could only imagine how much fun the Villa del Parco & Spa at Forte Village in Sardinia might be if my kids were a little older:

This property has go-karts, a water park, a replica Barbie house, bowling, soccer academies run by the Real Madrid Foundation, 13 tennis courts, padel, pickleball, and a lot more. Talk about an active vacation!

The downside is that it isn’t cheap, whether paying with cash or points. For sample dates I searched this summer, room rates (for a room that only accommodates 3 people) started around $3K per night, with award rates starting at more than 37,000 LHW points per night.

Keep in mind that points transfer 1,000:200 (that’s effectively 5:1) from Citi, so you’d need 185,780 Citi ThankYou points per night for the above redemption. That’s about 1.6c per Citi point, but you’ll need a lot of Citi points for a getaway here with enough time to enjoy even half the facilities.

Unfortunately, that’s a bit too rich for my blood, whether with cash or points.

However, there are some family-friendly properties that could be more reasonable.

Falkensteiner Family Hotel Montagon (Tschagguns, Austria)

Falkensteiner Family Hotel Montafon in Tschagguns, Austria, really seems to pride itself on being the only German-speaking Family-friendly Leading Hotels of the World property, and they highlight plenty of family fun on their website.

Falkensteiner Family Hotel is a rarity in that most hotels in Europe limit occupancy to 2 or  3 guests per room, whereas the Falkensteiner Family Hotel has rooms that accommodate a family of 4 (or even 5 in some rooms). Room rates aren’t cheap, but awards may be more palatable.

Keep in mind that 9,510 Leading Hotels of the World points = 47,550 Citi ThankYou points. That’s about 1.53c per Citi point, which makes it a reasonable use of points. I could imagine this property being more popular in the winter, given the skiing available — expect both cash and award rates to vary.

Halekulani Okinawa (Okinawa, Japan)

It’s not just Europe; Leading Hotels of the World maintains a separate page with links to family-friendly hotels by region. In Asia, Halekulani Okinawa looks great to me (just let the home page video auto-play and you’ll probably agree).

Rooms at this property can accommodate four people. While the search result below was only for two guests, I can confirm that the price was identical when I searched for 2 adults + 2 kids.

At 4,715 Leading Hotels of the World points, this property would set you back fewer than 24,000 Citi points per night. That represents a value of 1.8c per point.

In addition to offering a kids club (which has a fee at this resort), the property offers a bunch of beach activities that come at additional cost, but could be a lot of fun with older kids, like parasailing, snorkel tours, and the “ocean walk” seen below.

Nayara Tented Camp (Costa Rica)

If your kids have always wanted a treehouse, you might want to look at Nayara Tented Camp. This place is in the rainforest of Costa Rica, has a sloth sanctuary, and the standard rooms look like tented “glamping” type outfits — each with a private plunge pool overlooking the rainforest.

The hotel website boasts on-site naturalists and easy access to a wide range of activities like hiking, zip lining, whitewater rafting, night walks through the rainforest, chocolate and coffee tours, and a lot more (this is a PDF of activities and prices).

I looked up some sample summertime dates. Award pricing is certainly not cheap, but at 18,583 points per night, it’ll set you back around 93K Citi points per night for a property that charges around $1600 per night and looks like quite a unique experience that could be a lot of fun.

While that’s far more transferable points than I’d usually consider spending for a hotel, I could absolutely see the appeal.

Bottom line

These are hardly the only family-friendly Leading Hotels of the World properties — the website has quite a few interesting options. This isn’t meant to be an exhaustive or even best-of list, just some examples that caught my eye. I thought it was worth sharing these because Leading Hotels of the World hasn’t generally been on my radar because my perception has been that most properties probably cater to adults traveling as a party of 1 or 2. I was surprised to find that there are quite a few LHW properties with a family-first focus. While that certainly isn’t everyone’s cup of tea, it broadens the way that I think about LHW and makes me more interested in seeking out the hidden gems I’ve been missing in this program.

The post Family-friendly Leading Hotels of the World appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Earlier this week, Singapore Airlines Krisflyer launched an award sale, with most economy-class awards available at a promotional price of 20% off the usual award cost. Premium Economy is also on sale for some flights between the US and Singapore.

The travel window for this promotion extends from May 1st through November 15th, 2026. However, these awards can’t be changed or cancelled. I’m not sure that restriction is worth the 20% discount for me, but if you are reasonably sure of your travel plans, you could save some miles.

The Deal

• Singapore Krisflyer is offering an award sale with 20% off most economy class awards and 20% off some premium economy awards between the United States and Singapore (and elsewhere) when you book by 3/23/36 and travel from 5/1/2026 to 11/15/26.
• Direct link to this deal

Key Terms

• Book from 3/10/26 to 3/23/26
• Travel from 5/1/26 to 11/15/26
• Promo awards can not be changed or cancelled
• Blackout dates apply for many routes (see the promo page for full details)

Quick Thoughts

In some cases, Singapore is your best option, albeit not by a large margin. That said, if you really want to travel to Singapore nonstop or fly on Singapore Airlines, this could certainly come in handy since Singapore releases far more award space to its own members than to partners.

Given that these awards can not be changed or cancelled, you’ll want to be very sure of your plans before you book. I have in the past argued that paying more miles for a flexible award (like the way that Air Canada charges more for a “Flex” award) is like pre-paying the cancellation penalty and betting against your own travel planning, suggesting that I am happy to trade away a flexible award in exchange for mileage savings.

However, the nonrefundable nature of these bookings is a different situation. Personally, while I might be happy enough to save some miles in exchange for a slightly higher cancellation penalty, I’m very hesitant to risk losing all of my miles if one of the kids gets sick/a family emergency happens/we just need to switch gears for some reason.

The post 20% off Singapore Airlines economy and some premium economy awards appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Aloha can be confusing for some folks, as it’s used as either a greeting or a farewell. In Finnair’s case, it definitely means goodbye.

Without any notice that I know of, the airline has raised its award prices for Alaska Air flights between Hawai’i and the West Coast/Midwest by ~45%, and by a whopping 110% between Hawai’i and the US East Coast. In addition, awards within the US and Canada have increased by ~60%.

Over the last couple of years, the various Avios programs have been waging a consistent campaign against American Airlines and Alaska Air awards within North America. One shining exception was Finnair, which still offered incredible value on flights to Alaska.

No more.

As a reference point, here’s the Finnair Alaska chart as it previously existed:

While the first class pricing was relatively lackluster, the economy pricing was exceptional for longer flights. 11k from anywhere in the US and Canada to anywhere else in the US or Canada? 13,500 for flights from anywhere in the US to Hawai’i? Incredible.

Effectively, Finnair was the cheapest way to book Alaska flights over 1,400 miles. Better than Japan Airlines, AA, or even Alaska itself.

Finnair has now released a new award chart for Alaska, incorporating Hawaiian Airlines, including international flights, and also adding pricing for premium economy redemptions:

On the bright side, flights between the US and Mexico have remained the same: 12,500 miles one-way. Given how much Alaska has expanded its route network to Mexico, that’s good news for West Coasters and still a great deal.

However, that’s where the good news stops. Flights between Hawai’i and the US “non-East Coast have gone up almost 45%, from 13,500 Avios each way to 19,500. Flights from Hawai’i to the East Coast are now a whopping 28,500 Avios each way, an increase of ~110% and more expensive than flying all the way to Japan, New Zealand, or Australia!

That 11,000-mile US and Canada deal? Now it’s all the way up to 17,500 Avios each way, an increase of almost 60%.

First Class awards have dropped in price by a couple of thousand miles, but that’s cold comfort compared to what’s happened to the rest of the US/Canada award chart.

Luckily, Finnair’s award chart for flights on American Airlines is unchanged and still offers solid value, with Hawai’i flights at 15k Avios each way, the best remaining oneworld option to the islands as of writing. In addition, long-haul US/Canada flights can still be a great option at 16,500 Avios one-way.

Here’s Finnair’s AA award chart for reference:

Quick Thoughts

Bummer. Finnair went from being far and away the best way to book mid- and long-haul Alaska awards to being another also-ran. While the AA chart thankfully survives in its current form, it does make me a little nervous that we’ll soon see Finnair’s shoe drop on those as well.

The post Finnair sours Hawaii sweet spot, raising Alaska / Hawaiian awards by up to 100% appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

Amex is again running a terrific, limited-time welcome offer for the Bonvoy Business card: five Marriott 50K free-night certificates after a total of $9,000 in purchases within the first 6 months. In our most recent evaluation of Marriott points, we estimated that Marriott 50K free-night certificates were worth around $300 each, making the total offer worth ~$1,500.

Given that you can now top these certificates off with up to 25,000 additional points per night, this can be a great deal for anyone able to maximize the use of the certificates within the first year.

This 5x50K cert offer has come and gone several times on the personal Chase Marriott Boundless card, but this is only the third time we’ve had it on the Bonvoy Business, matching the best offer we’ve ever seen for that card. Go forth and conquer.

The Offer & Key Card Details

Card Offer and Details

Marriott Bonvoy Business® American Express® Card ⓘ $1253 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates Up to 5 x 50K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 3 Free Night Awards after you spend $6k in purchases and an extra 2 Free Night Awards after you spend an additional $3k in purchases on the Card within the first 6 months of Card Membership. Each award has a redemption level up to 50K Marriott Bonvoy® points. Terms apply. (Rates & Fees) $125 Annual Fee Learn more Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) Earning rate: 6x at Marriott Bonvoy® properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Base: 2X (1.52%) Dine: 4X (3.04%) Gas: 4X (3.04%) Brand: 6X (4.56%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on eligible purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide

Quick Thoughts

This new offer replaces one that gave 3 x 50K certs for $6K spend, so it’s obviously a significant improvement. In fact, it’s almost the best we’ve ever seen for the Bonvoy Business (there was a previous version that only required $8,000 in spend).

We typically prefer points over free night certificates, as points are more flexible and don’t have to be used within a year. That said, there’s a lot of value in these 50K certificates, especially given that they can now be used at properties costing up to 75,000 points with Marriott’s top-up feature.

Last year, we redid the estimated value of many hotel programs’ free night certificates by multiplying the points value by a somewhat subjective “fudge factor” that accounts for the certificates’ inflexibility and one-year expiration dates. The Marriott 50K certs came out to just over $300, making the five certs “worth” ~$1500. In practice, it will probably be easy to get more value than that if you put even a bit of effort into maximizing the certs.

The business card is also appealing to many because it comes with 15 annual elite night credits that stack with elite nights earned from having Marriott consumer cards. If you have at least one of each, you’ll begin the year with 30 elite night credits — just 20 nights short of Marriott Platinum status (otherwise known as “the ridiculously confusing free breakfast status“). The business card also doesn’t add to your 5/24 status.

This was the offer that finally got me to pick up the Bonvoy Business card the last time it came around, and I think it’s worth a hard look for anyone who’s been considering it.

American Express Application Tips

The post Amex Marriott Bonvoy Business Card: New 5 x 50K Free Night Certificates Offer appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.

The Chase Freedom Unlimited card is unique among Chase’s Ultimate Rewards-earning cards in that you earn a minimum of 1.5x for all spend while also earning 3x-5x within bonus categories, including dining and drugstores. The card has no annual fee and earns transferable points, which can be very powerful when paired with the right cards. Let’s take a deeper look.

Chase Freedom Unlimited Current Welcome Offer

Card Offer

Chase Freedom Unlimited® ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 months No Annual Fee Learn more This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review

Chase Freedom Unlimited Review

Outside of getting it for an enticing welcome offer, the Chase Freedom Unlimited can be a pretty attractive card…within the right context. There are better cashback cards out there, but if the Freedom Unlimited is paired with a premium card that lets you transfer points to partners (Ink Business Preferred, Sapphire Preferred®, Sapphire Reserve for Business℠, or Sapphire Reserve®), the points it earns become significantly more valuable. In that context, we value Ultimate Rewards at 1.5 cents each, so the Freedom Unlimited effectively brings in between 2.25% (1.5 cents per point X 1.5 points per dollar) and 7.5% in rewards. Pretty good for a card with no annual fee.

• Annual Fee: None
  • Authorized User Annual Fee: Free
• Foreign Transaction Fee: 3%
• What points are worth: The Freedom Unlimited card is advertised as a cashback card, but it actually earns Chase Ultimate Rewards. Our current Reasonable Redemption Value is pegged at 1.5 cents each, but this assumes the cardholder also has a premium card that allows transfers to partners (Ink Business Preferred, Sapphire Preferred®, Sapphire Reserve for Business℠, or Sapphire Reserve®). Without one of those cards, points are only worth 1 cent each toward cash back, which can be taken as a statement credit, check, or ACH transfer.
• Best Use for Points: When combined with a premium card, Chase Ultimate Rewards can be transferred to travel partners at a 1:1 ratio, which usually yields the most value. Our favorite hotel transfer partner is undoubtedly Hyatt, where redemptions can often exceed 2-3 cents per point. Airline partners are good, if not great, and include Air Canada Aeroplan, Air France/KLM Flying Blue, and British Airways Avios, as well as domestic programs like United Mileage Plus, Southwest Rapid Rewards, and JetBlue. Freedom Flex cardholders can redeem Ultimate Rewards for travel through Chase Travel℠ at 1 cent each. Those who also have an Ink Business Preferred or Sapphire Preferred card in the family can combine points from those cards and redeem them for flights and hotels through Chase Travel, at up to 1.75 cents per point when Points Boosts are available. Sapphire Reserve for Business℠ and Sapphire Reserve® cardholders can do the same thing and redeem points for flights and hotels through Chase Travel for up to 2 cents per point value when Points Boosts are available.

• Earning Categories: 
  • 5x on travel booked through Chase Travel
  • 3x at restaurants and drugstores
  • 1.5x everywhere else
• Credits:
  • $10 monthly credit for non-restaurant DoorDash orders
  • Free DashPass for up to 3 months upon activation
• Travel Protections:
  • Auto Rental Coverage: Secondary auto rental CDW (collision damage waiver). Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad. Within the US, the card’s coverage is secondary to your personal insurance (assuming you have it). Outside of the US, it’s primary.
  • Trip Cancellation/Interruption Insurance: Up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
• Purchase Protections:
  • Extended Warranty: One additional year, on eligible warranties of three years or less (US warranties only).
  • Damage and Theft Protection: Covers new purchases for 120 days against damage or theft up to $500 per claim/$50,000 per account.
• Who’s this card for? Those who also carry a premium Ultimate Rewards card, such as the Ink Business Preferred, Sapphire Preferred®, Sapphire Reserve for Business℠, or Sapphire Reserve®. Folks looking for a straight cashback card can do better. For better transferable point earnings everywhere, albeit with an annual fee, it’s worth considering the Capital One Venture Rewards and Venture X cards, or the Bilt Palladium.
• Is the Freedom Unlimited a keeper? Yes, but not without a premium Ultimate Rewards card.

Chase Freedom Unlimited Pros and Cons

Pros

• Earns 1.5x Ultimate Rewards everywhere
• Great 3x categories for a card with no annual fee
• Good transfer partners, especially for folks looking for domestic airline and hotel programs
• Miles can be shared across cards and cardholders
• Unusually for a fee-free card, it provides travel and purchase protections

Cons

• 3% foreign transaction fee
• Must be paired with a “premium” card in order to transfer to partners
• Not the most exciting group of airline partners

Chase Transfer Partners

Related Cards

Ultimate Rewards Consumer Cards

Card Offer and Details
Chase Freedom Flex® ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 months No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase Travel℠ ✦ 5x Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5x in rotating categories on up to $1,500 spend per quarter Base: 1X (1.5%) Portal Flights: 5X (7.5%) Portal Hotels: 5X (7.5%) Dine: 3X (4.5%) Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 quarterly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide
Chase Freedom Unlimited® ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 months No Annual Fee Learn more This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else Base: 1.5X (2.25%) Portal Flights: 5X (7.5%) Portal Hotels: 5X (7.5%) Dine: 3X (4.5%) Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ $10 quarterly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide
Chase Freedom Visa ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available No Annual Fee Learn more Click here to view details about a similar card: Chase Freedom Flex Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5X Lyft through September 2027; 5X in rotating categories on up to $1,500 spend per quarter Base: 1X (1.5%) Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+ See also: Chase Ultimate Rewards Complete Guide
Chase Sapphire Preferred® Card ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 75,000 bonus points after spending $5,000 within the first three months from account opening. $95 Annual Fee Learn more Recent better offer: Expired 5/14/25: 100K after $5K spend FM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus Base: 1X (1.5%) Travel: 2X (3%) Flights: 2X (3%) Portal Flights: 5X (7.5%) Hotels: 2X (3%) Portal Hotels: 5X (7.5%) Dine: 3X (4.5%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ Free DoorDash DashPass (min. one year, must activate by 12/31/27)✦ $10 off each month on one non-restaurant orders from DoorDash ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit ✦ Each account anniversary earn bonus points equal to 10% of total purchases made the previous year. See also: Sapphire Preferred 100K Q&A: Everything You Need to Know
Chase Sapphire Reserve® Card ⓘ $1544 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit (2x per calendar year) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75 Click to learn about first year value estimates 125K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K after $6K spend in the first 3 months. $795 Annual Fee Learn more FM Mini Review: Good all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards. Click here for our complete card review Earning rate: 8X Chase Travel℠ ✦ 4X flights and hotels booked direct ✦ 3X Dining ✦ 5X Lyft (through September 2027) Base: 1X (1.5%) Flights: 4X (6%) Portal Flights: 8X (12%) Hotels: 4X (6%) Portal Hotels: 8X (12%) Dine: 3X (4.5%) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: After spending $75,000 each calendar year, get the following benefits: IHG One Rewards Diamond Elite Status ✦ Southwest Airlines A-List Status ✦ $500 Southwest Airlines credit when booked through Chase Travel ✦ $250 credit to The Shops at Chase Noteworthy perks: $300 Annual Travel Credit ✦ Transfer points to airline & hotel partners ✦ Up to $500 The Edit credit annually ($250 twice per calendar year) ✦ Up to $300 Dining credit through Sapphire Reserve Exclusive Tables ($150 January to June and again July to December) ✦ Complimentary AppleTV+ and Apple Music through 6/22/27 ✦ Up to $300 in StubHub credits ($150 January to June and again July to December) ✦ Points worth up to 2 cents each towards qualified bookings through Chase Travel ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit ✦ IHG One Rewards Platinum status through 12/31/27 ✦ Free DoorDash DashPass through 2027 ✦ Two promos of $10 off each month on non-restaurant orders from DoorDash ✦ $5 off restaurant order each month from DoorDash ✦ $10 monthly Lyft credit See also: Chase Ultimate Rewards Complete Guide

Ultimate Rewards Business Cards

Card Offer and Details
Chase Ink Plus® Business Credit Card ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-Affiliate This card is no longer available $0 introductory annual fee for the first year, then $95 Learn more Click here to view details about a similar card: Chase Ink Business Cash Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through September 2027 Base: 1X (1.5%) Hotels: 2X (3%) Gas: 2X (3%) Office: 5X (7.5%) Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide
Ink Business Cash® Credit Card ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750(*awarded as 75,000 points) after $6k spend in the first 3 months. No Annual Fee Learn more See: How to apply for Chase Ink cards Recent better offer: $900 (*awarded as 90,000 points) after $6k spend in the first 3 months. (Expired 11/13/25) FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 Base: 1X (1.5%) Dine: 2X (3%) Gas: 2X (3%) Office: 5X (7.5%) Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide
Ink Business Preferred® Credit Card ⓘ $1277 1st Yr Value EstimateClick to learn about first year value estimates 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K after $8K spend in the first 3 months $95 Annual Fee Learn more See: How to apply for Chase Ink cards Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome offer and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through September 2027 Base: 1X (1.5%) Travel: 3X (4.5%) Flights: 3X (4.5%) Hotels: 3X (4.5%) Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Points worth up to 75% more when redeemed for travel with Points Boosts ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide
Ink Business Unlimited® Credit Card ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in the first 3 months. No Annual Fee Learn more See: How to apply for Chase Ink cards Recent better offer: $900 (*awarded as 90,000 points) after $6k spend in the first 3 months. (Expired 11/13/25) FM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review Earning rate: 1.5X on all business purchases ✦ 5X Lyft through September 2027 Base: 1.5X (2.25%) Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart credit See also: Chase Ultimate Rewards Complete Guide
Sapphire Reserve for Business℠ Card ⓘ $1595 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit (2x per calendar year) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates 150K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in first 3 months. $795 Annual Fee Learn more Recent better offer: 200K points after $30K spend in first 6 months. (Expired 1/22/26) FM Mini Review: Could be very appealing for a business that books a lot of travel, as it earns 8x through Chase Travel℠ or 4x when booking direct through airline and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards Earning rate: 8X Chase Travel℠ ✦ 4X flights and hotels booked direct ✦ 3X social media and search engine advertising ✦ 5X Lyft (through September 2027) Base: 1X (1.5%) Flights: 4X (6%) Portal Flights: 8X (12%) Hotels: 4X (6%) Portal Hotels: 8X (12%) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: After spending $120,000 each calendar year, get the following benefits: IHG One Rewards Diamond Elite Status ✦ Southwest Airlines A-List Status ✦ $500 Southwest Airlines credit when booked through Chase Travel ✦ $500 credit to The Shops at Chase Noteworthy perks: $300 Annual Travel Credit ✦ Up to $500 The Edit credit ($250 twice per calendar year) ✦ Up to $400 ZipRecruiter credit ($200 January to June and again July to December) ✦ $200 Google Workspace credit ✦ $100 Giftcards.com ($50 January to June and again July to December for purchases at giftcards.com/reservebusiness) ✦ Points worth 2 cents each towards qualified bookings through Chase Travel(SM) ✦ Transfer points to airline & hotel partners ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit ✦ IHG One Rewards Platinum status through 12/31/27 ✦ Free DoorDash DashPass through 2027 ✦ Two promos of $10 off each month on non-restaurant orders from DoorDash ✦ $5 off restaurant order each month from DoorDash ✦ $10 monthly Lyft credit See also: Chase Ultimate Rewards Complete Guide

Chase Application Tips

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There’s an increased welcome offer out for the Chase World of Hyatt Business card, but it comes with a fairly sizeable spend requirement: you’ll get 80k Hyatt points after spending $10k within the first three months.

This card won’t offer the most points per dollar, but it can be a good fit for big spenders who want a (slightly) easier path to status. If you’re just looking for Hyatt points, don’t forget about the better offers on the Chase Ink Business Preferred, Ink Business Unlimited, and the Ink Cash cards, as Hyatt is a 1-1 transfer partner with Chase Ultimate Rewards.

It’s also worth noting that World of Hyatt will implement new award charts starting in May, which we anticipate will significantly increase points pricing across the board. This has some folks (including Greg) reconsidering how deeply they want to invest in the Hyatt ecosystem.

Offer and Card Details

Card Offer and Details

Chase World of Hyatt Business Credit Card ⓘ $1111 1st Yr Value EstimateClick to learn about first year value estimates 80K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80K after $10,000 spend in the first 3 months. $199 Annual Fee Learn more This card is subject to Chase's 5/24 rule. Recent better offer: 60K points after $5K in the first 3 months + Category 1-4 Free Night Certificate after $15K total in the first 6 months. (Expired 3/6/25) FM Mini Review: Great for its initial welcome offer and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Base: 1X (1.8%) Brand: 4X (7.2%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit

Quick Thoughts

This 80k offer replaces the previous 60k-point offer, which only required $5k in spend. Although this “increased” offer lets you earn 20,000 additional points, you have to spend an extra $5k to get there. That won’t be worth it for many folks, but some may find it appealing, as it averages out to an extra 4 Hyatt points per dollar.

The key benefits of the card are:

• An “adaptive” 2x that rewards you for your top three spend categories each calendar quarter through 12/31/24 (then the top two categories after that).
• 5 elite night credits with each $10K spend
• 10% back on redeemed points after spending $50K in a calendar year (Up to 20K points back per year). Note that the rebate kicks in on stays completed after reaching $50K in purchases.
• Up to $100 in Hyatt credits: Spend $50 or more at any Hyatt property worldwide and get a $50 statement credit, up to twice per cardmember year.
• Discoverist status for the cardholder and the ability to gift that status to 5 employees (those employees do not have to be employee cardholders)
• Unlike the consumer card, this does not come with an annual free night certificate or annual elite night credits.

If you were able to do the majority of that additional $10k in the adaptive bonus categories, you’d end up with ~100,000 points (20k from the spend and 80k from the bonus), or ~10 Hyatt points per dollar. You’d also get five elite night credits for hitting $10k on the card. For folks hunting Globalist status, that might be enough of a win to make it worth it. Others will want to just go for one of the more valuable Chase Ink offers.

After the first year, it’s worth considering whether it makes sense to hang onto the card. I continue to keep it since I can easily use the twice-yearly $50 credits, and I value the ability to manufacture 5 elite nights per $10k in spend. For many, though, the math won’t work out.

Chase Application Tips

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