Bonvoy: now live, adding points to free night certs

[Born2Travel]

I do not know. Marriott said no. Then I called the hotel and they made a note on the reservation of the guest’s name. Hopefully, she can check in without any problems. Now that I know I can use the certificates combined for higher end hotels, I suspect I will find a way to use them.

Interesting. Would love to know if it works out. Not sure we'll be able to use all of ours before 6/30; I hate to see them go to waste.

 

[Born2Travel]

The last card I applied for recently is the Amazon credit card. I have no idea if this was a good decision on my part. It earns 5% cash back toward future Amazon purchases. I buy a lot of Amazon so a 5% rebate seemed a lot better than cards that give 2% cash back. Does anyone else use the Amazon card?

I use the Amazon card, but I really only use it for Amazon orders. I use my CSR for travel and dining and my Chase preferred for most groceries and miscellaneous purchases then transfer to the CSR for the 1.5 pts for travel booked through their portal or transfer to other airlines. Unfortunately it doesn't transfer to Alaska Airlines or Delta but works well for Southwest and United. I have a few other Chase cards (too many lol) and use them for business purchases etc. and then also transfer to CSR for the extra pts.

 

[TravelTime]

I use the Amazon card, but I really only use it for Amazon orders. I use my CSR for travel and dining and my Chase preferred for most groceries and miscellaneous purchases then transfer to the CSR for the 1.5 pts for travel booked through their portal or transfer to other airlines. Unfortunately it doesn't transfer to Alaska Airlines or Delta but works well for Southwest and United. I have a few other Chase cards (too many lol) and use them for business purchases etc. and then also transfer to CSR for the extra pts.

Thank you for your input. Aren’t the Chase preferred and CSR more or less the same card except preferred gets fewer points? Why do you use both instead of just using CSR?

Do CSR points transfer to American and United? Those are the main airlines I use.

How hard is it to transfer charges to CSR?

 

[Dean]

I see how you value the card based on annual benefits of $300 travel credit, $20 TSA/GE credit and $299 to $429 PP benefit based on your usage. Then everything else is gravy, like you said. The $320 travel credit and $20 TSA/GE credit are benefits to me but not sure PP benefit will have a lot of benefit for me since we live near Sacramento and they are not included and many of our layovers are not long enough. But I guess if we use PP once a year, I could value it at the lowest amount of $99 membership fee + $32x4 people in my family so that comes out to $227 for one use per year, assuming they charge for children as guests. Otherwise, one use per year comes out to $163.

To me, the biggest benefits would be the $300 annual credit and the 1.5 miles on travel. Is it easy to transfer points anywhere? Do you still get free checked bags and priority boarding on the airline if you charge to this card?

The points guy has a good comparison of the 2 cards. I haven't transferred the points but don't see any reason it'd be difficult and it's 1:1. This is not an airline card, I am not aware of any benefits directly with the airlines. For me it's easy even though I don't put a large value on the PP since I use it hit or miss, maybe $100/yr at most. There are other ways to get Priority Pass though most don't 'give you the restaurant access which has been my main usage. In your situation I think it'd be a good card if it's your primary, I think you'd make out well if you pay attention to how you use the points. But you'll need to compare to your other options and volume of usage. It's not a good option to have as a back up card IMO but wouldn't be that costly if you made sure you collected the main perks. At one time I had 2 premium cards but with the credits and bonus points, it made sense but with a couple of changes in the other card and in our personal situation, didn't make sense to keep them both though it would not have been a big deal. I have limited cards at this time. CSR is my main card, American Airlines (Delta's gone), Disney and Bonvoy. And I'd likely be fine with 3 losing the Disney card and one could even argue against the Convoy Card at this time.

I also travel with a debit card for travel, either my CU card which is attached to a separate checking I ONLY use for travel and have NO connections to other accounts so it doesn't pull from other accounts if compromised and they reimburse for ATM fees in the US. And I travel internationally with my Schwab Bank Debit card which reimburses for all ATM fees and can easily be activated and deactivated on their app.

 

[TravelTime]

The points guy has a good comparison of the 2 cards. I haven't transferred the points but don't see any reason it'd be difficult and it's 1:1. This is not an airline card, I am not aware of any benefits directly with the airlines. For me it's easy even though I don't put a large value on the PP since I use it hit or miss, maybe $100/yr at most. There are other ways to get Priority Pass though most don't 'give you the restaurant access which has been my main usage. In your situation I think it'd be a good card if it's your primary, I think you'd make out well if you pay attention to how you use the points. But you'll need to compare to your other options and volume of usage. It's not a good option to have as a back up card IMO but wouldn't be that costly if you made sure you collected the main perks. At one time I had 2 premium cards but with the credits and bonus points, it made sense but with a couple of changes in the other card and in our personal situation, didn't make sense to keep them both though it would not have been a big deal. I have limited cards at this time. CSR is my main card, American Airlines (Delta's gone), Disney and Bonvoy. And I'd likely be fine with 3 losing the Disney card and one could even argue against the Convoy Card at this time.

I also travel with a debit card for travel, either my CU card which is attached to a separate checking I ONLY use for travel and have NO connections to other accounts so it doesn't pull from other accounts if compromised and they reimburse for ATM fees in the US. And I travel internationally with my Schwab Bank Debit card which reimburses for all ATM fees and can easily be activated and deactivated on their app.

Since you do not transfer to travel partners, are using your points to redeem travel on Chase Ultimate Rewards travel portal? If so, is it easy to use? have many travel partners like United, AA, Marriott, etc? cost effective pricing?

If PP had a lounge at our home airport, it would definitely be a good thing but I would only be able to use lounges on connecting flights. Does your home airport have a lounge? If so, do you end up using the lounge before flights?

 

[VacationForever]

Since you do not transfer to travel partners, are using your points to redeem travel on Chase Ultimate Rewards travel portal? If so, is it easy to use? have many travel partners like United, AA, Marriott, etc? cost effective pricing?

If PP had a lounge at our home airport, it would definitely be a good thing but I would only be able to use lounges on connecting flights. Does your home airport have a lounge? If so, do you end up using the lounge before flights?

Chase portal for booking hotel and flight was pretty easy to use. The issue which had been reported with regards to hotel bookings was that the card holders didn't get nights credited, because they were considered "discount" bookings. Not an issue for those who don't need nights stayed to get elite status. The other problem which happened to me was that when I booked a flight and then having to cancel, it was a bit of a nightmare.

 

[TravelTime]

Chase portal for booking hotel and flight was pretty easy to use. The issue which had been reported with regards to hotel bookings was that the card holders didn't get nights credited, because they were considred "discount" bookings. Not an issue for those who don't need nights stayed to get elite status. The other problem which happened to me was that when I booked a flight and then having to cancel, it was a bit of a nightmare.

I do not understand what it means when they say points are worth 1.5 with CSR and 1.25 with Preferred. Does that mean if you have 10,000 points, you can redeem it for 15,000 points with CSR and 12,500 points with Preferred? Or does it mean you accrue at a rate of 1.5 or 1.25 when you are spending money on travel?

Also is the car and travel insurance the same on both cards?

I like the idea of this card since it earns points that can be used for multiple airlines but not sure if CSR is worth $550 to me vs the Preferred at $95. For you, what have been the main benefits making it worth paying the much higher annual fee? Even after the $300 travel credit and $20 average annual credit for TSA, it still costs $230 per year. I am not sure I give PP much value. So the travel perks would need to be worth more than $230 per year.

 

[Dean]

Since you do not transfer to travel partners, are using your points to redeem travel on Chase Ultimate Rewards travel portal? If so, is it easy to use? have many travel partners like United, AA, Marriott, etc? cost effective pricing?

If PP had a lounge at our home airport, it would definitely be a good thing but I would only be able to use lounges on connecting flights. Does your home airport have a lounge? If so, do you end up using the lounge before flights?

So far I've used them to book air and rental cars directly, an Apple Watch, and to pay on the card for qualifying purchases. All of which gave me 1.5¢ per point. The apple option was a special leading in to Christmas. I've redeemed maybe $5000 worth of rewards in the past 3-4 as a guess. Apple watch was $750 plus tax IIRC, roughly $3000 in payment back to the card and just over $1000 for air and a car in LV.

 

[Dean]

I do not understand what it means when they say points are worth 1.5 with CSR and 1.25 with Preferred. Does that mean if you have 10,000 points, you can redeem it for 15,000 points with CSR and 12,500 points with Preferred? Or does it mean you accrue at a rate of 1.5 or 1.25 when you are spending money on travel?

Also is the car and travel insurance the same on both cards?

I like the idea of this card since it earns points that can be used for multiple airlines but not sure if CSR is worth $550 to me vs the Preferred at $95. For you, what have been the main benefits making it worth paying the much higher annual fee? Even after the $300 travel credit and $20 average annual credit for TSA, it still costs $230 per year. I am not sure I give PP much value. So the travel perks would need to be worth more than $230 per year.

If you pay for travel using the points (not transferring), you get a value of 1.5¢ PP CSR and 1.25¢ PP CSP. If you look up the comparison for The Points Guy, he lays it out very well.

 

[VacationForever]

I do not understand what it means when they say points are worth 1.5 with CSR and 1.25 with Preferred. Does that mean if you have 10,000 points, you can redeem it for 15,000 points with CSR and 12,500 points with Preferred? Or does it mean you accrue at a rate of 1.5 or 1.25 when you are spending money on travel?

Also is the car and travel insurance the same on both cards?

I like the idea of this card since it earns points that can be used for multiple airlines but not sure if CSR is worth $550 to me vs the Preferred at $95. For you, what have been the main benefits making it worth paying the much higher annual fee? Even after the $300 travel credit and $20 average annual credit for TSA, it still costs $230 per year. I am not sure I give PP much value. So the travel perks would need to be worth more than $230 per year.

If you have the CSR and use use their Ultimate rewards portal to book, say, air ticket costs $1,500 if you buy from the airline, you only need 10000 UR to book. You accrue 3 UR points for every $1 spent on travel and dining.

The value for us was purely in the built-in primary auto insurance (good for rental cars) and travel insurance. We didn't bother to buy travel insurance when we put all travel stuff on the card. We did buy additional emergency evacuation, for airlifting and stuff like that, separately.

We used the occasional lounge but it was not a big deal. We had never redeemed Global Entry because we got them before we signed up for the card.

When it was $450 for the card, it was well worth the extra $150 for travel insurance. But they notified us that they were going to increase to $550 and we stopped flying internationally due to COVID, we cancelled the card. They delayed the card fee increase until this year and now it is $550.

 

[TravelTime]

If you have the CSR and use use their Ultimate rewards portal to book, say, air ticket costs $1,500 if you buy from the airline, you only need 10000 UR to book. You accrue 3 UR points for every $1 spent on travel and dining.

The value for us was purely in the built-in primary auto insurance (good for rental cars) and travel insurance. We didn't bother to buy travel insurance when we put all travel stuff on the card. We did buy additional emergency evacuation, for airlifting and stuff like that, separately.

We used the occasional lounge but it was not a big deal. We had never redeemed Global Entry because we got them before we signed up for the card.

When it was $450 for the card, it was well worth the extra $150 for travel insurance. But they notified us that they were going to increase to $550 and we stopped flying internationally due to COVID, we cancelled the card. They delayed the card fee increase until this year and now it is $550.

I sort of understand it but the Chase program sounds complicated. Are you going to get the CSR again or stick with a lower fee card?

We do not travel all that much by airplane compared to other Tuggers. This year, we have 3 domestic flights for 4 people. One was to Oahu in April, another to St Thomas in June and a third to Miami in September. I got one ticket to Oahu for free using HA miles and I got all 4 tickets to St Thomas for free using United miles. We have 4 other trips this year but the rest are all driving.

For me to totally understand, I would need to sign up and use it. However I do not want to pay $550 to find out if it works for me. I wonder if I should consider the lower fee Preferred card?

Until now, I was planning to get a personal United card. I have one for business but somehow I do not have a personal one. The downside, of course, is we do not always fly on United. Right now, I have been putting most charges on an AA card but United can be better on the West Coast, although we do not use SFO much anymore since we live near Sacramento now. My husband uses his Apple Card and gets 2% cash back. So we sort of split spending. I can’t get him to use a rewards card. I just got an Amazon card bc it give 5% cash back on Amazon and I use Amazon for so many things. But it would be nice to have a card that we could use on many airlines.

 

[VacationForever]

I sort of understand it but the Chase program sounds complicated. Are you going to get the CSR again or stick with a lower fee card?

We do not travel all that much by airplane compared to other Tuggers. This year, we have 3 domestic flights for 4 people. One was to Oahu in April, another to St Thomas in June and a third to Miami in September. I got one ticket to Oahu for free using HA miles and I got all 4 tickets to St Thomas for free using United miles. We have 4 other trips this year but the rest are all driving.

For me to totally understand, I would need to sign up and use it. However I do not want to pay $550 to find out if it works for me. I wonder if I should consider the lower fee Preferred card?

Until now, I was planning to get a personal United card. I have one for business but somehow I do not have a personal one. The downside, of course, is we do not always fly on United. Right now, I have been putting most charges on an AA card but United can be better on the West Coast, although we do not use SFO much anymore since we live near Sacramento now. My husband uses his Apple Card and gets 2% cash back. So we sort of split spending. I can’t get him to use a rewards card. I just got an Amazon card bc it give 5% cash back on Amazon and I use Amazon for so many things. But it would be nice to have a card that we could use on many airlines.

We don't have any of the Chase Ultimate Rewards type cards. We are currently happy with our BOA cash back card, with 3.6 cents for travel and dining and 2.5 cents for all other spending. When it comes July, we will need to decide if we will leave 100K with BOA to continue to get the cash back benefits or not. Most likely we will go with Fidelity Visa for non-travel and non-dining spending because it gives 2 cents per $1 spent on all spendings. We will use Costco for travel and dining from that point onwards because it gives 3 cents back. We use Amazon Prime Visa for Amazon and Whole Foods spending as it gives 5 cents. The most interesting part of it all is that all 3 cards are free. We still have 3 Bonvoy cards - Amex and Visa Bonvoy and would like to go down to maybe just 2 when I give up my Visa Bonvoy. We have difficulty using the free nights.

 

[TravelTime]

We don't have any of the Chase Ultimate Rewards type cards. We are currently happy with our BOA cash back card, with 3.6 cents for travel and dining and 2.5 cents for all other spending. When it comes July, we will need to decide if we will leave 100K with BOA to continue to get the cash back benefits or not. Most likely we will go with Fidelity Visa for non-travel and non-dining spending because it gives 2 cents per $1 spent on all spending. We will use Costco for travel and dining from that point onwards because it gives 3 cents back. We use Amazon Prime Visa for Amazon and Whole Foods spending as it gives 5 cents. The most interesting part of it all is that all 3 cards are free. We still have 3 Bonvoy cards - Amex and Visa Bonvoy and would like to go down to maybe just 2 when I give up my Visa Bonvoy. We have difficulty using the free nights.

Yes all these credit card deals and everyone’s needs and spending patterns are different. Right now, I am thinking the Chase Ultimate Rewards cards are a bit complicated for me. I need to explore it a bit more.

 

[VacationForever]

We gave up all the expensive cards, including the Amex Brilliant card. After a while, cash is king and we prefer cash back because there is always something with using points to book.

 

[Born2Travel]

Thank you for your input. Aren’t the Chase preferred and CSR more or less the same card except preferred gets fewer points? Why do you use both instead of just using CSR?

Do CSR points transfer to American and United? Those are the main airlines I use.

How hard is it to transfer charges to CSR?

Transfer is very easy. I use both to separate charges (just easier for me) and I already had both cards; could cancel 2nd some day. As Dean has mentioned, you should really check out The Points Guy - he lays it out well and it does take a little study.

 

[TravelTime]

Transfer is very easy. I use both to separate charges (just easier for me) and I already had both cards; could cancel 2nd some day. As Dean has mentioned, you should really check out The Points Guy - he lays it out well and it does take a little study.

I did take a look at what the Points Guy said. Overall, it sounds like the Preferred card is preferred LOL for mid range travelers, which is what I think we are. Which card do you have?

I was leaning toward another United card but I could try the Preferred card and see how it goes for me since I can transfer points 1:1 to United as well as to other partners. I see they do not have AA as a partner unfortunately. I do have a business United card already so I could use that when I travel on United for the free checked bags. But I also see that if I redeem the points for United flights through the Chase portal, the points are worth 1.25 and I can still earn miles on United for the flight. That is a good benefit and might be worth more than the 2-4 free checked bags. For the St Thomas flights, we have 4 free checked bags each way so total of 8 free checked bags if we need it. This is where comparing cards gets confusing.

I just checked our flights to St Thomas in June. I have 2 United passes I can use in Chicago. Coming back, we have a long layover in Houston. The PP lounges could come in handy in Houston. I was checking the PP directory and it says they have one in Houston. But not sure if we should pay the higher fee just to use a PP lounge once this year.

 

[Born2Travel]

I did take a look at what the Points Guy said. Overall, it sounds like the Preferred card is preferred LOL for mid range travelers, which is what I think we are. Which card do you have?

I was leaning toward another United card but I could try the Preferred card and see how it goes for me since I can transfer points 1:1 to United as well as to other partners. I see they do not have AA as a partner unfortunately. I do have a business United card already so I could use that when I travel on United for the free checked bags. But I also see that if I redeem the points for United flights through the Chase portal, the points are worth 1.25 and I can still earn miles on United for the flight. That is a good benefit and might be worth more than the 2-4 free checked bags. For the St Thomas flights, we have 4 free checked bags each way so total of 8 free checked bags if we need it. This is where comparing cards gets confusing.

I just checked our flights to St Thomas in June. I have 2 United passes I can use in Chicago. Coming back, we have a long layover in Houston. The PP lounges could come in handy in Houston. I was checking the PP directory and it says they have one in Houston. But not sure if we should pay the higher fee just to use a PP lounge once this year.

I have both cards (Reserve and Preferred) - I think now you are only allowed to have one or the other. That wasn't the case when I got them and as I mentioned I just separate charges with them. I like the Reserve. I have used the PP pretty much every time we travel as we have a location at our home airport but I wouldn't choose it for that reason only. I have had to make a claim on travel insurance which they paid, (took a while and they kept requesting documents) I have been reimbursed for GE renewal, we haven't had any rental car insurance issues. Most people just go for the Preferred I think. Less costly, but also less benefits. I feel we get enough benefits with the Reserve after the $300 travel credit, and the other benefits. I have really kept up with any new changes. Only you can decide which fits your needs best.

 

[TravelTime]

I have both cards (Reserve and Preferred) - I think now you are only allowed to have one or the other. That wasn't the case when I got them and as I mentioned I just separate charges with them. I like the Reserve. I have used the PP pretty much every time we travel as we have a location at our home airport but I wouldn't choose it for that reason only. I have had to make a claim on travel insurance which they paid, (took a while and they kept requesting documents) I have been reimbursed for GE renewal, we haven't had any rental car insurance issues. Most people just go for the Preferred I think. Less costly, but also less benefits. I feel we get enough benefits with the Reserve after the $300 travel credit, and the other benefits. I have really kept up with any new changes. Only you can decide which fits your needs best.

Is the travel and car rental insurance the same on both the Preferred and Reserved? Is the travel and car renta insurance better than on other credit cards?

 

[frank808]

I did take a look at what the Points Guy said. Overall, it sounds like the Preferred card is preferred LOL for mid range travelers, which is what I think we are. Which card do you have?

I was leaning toward another United card but I could try the Preferred card and see how it goes for me since I can transfer points 1:1 to United as well as to other partners. I see they do not have AA as a partner unfortunately. I do have a business United card already so I could use that when I travel on United for the free checked bags. But I also see that if I redeem the points for United flights through the Chase portal, the points are worth 1.25 and I can still earn miles on United for the flight. That is a good benefit and might be worth more than the 2-4 free checked bags. For the St Thomas flights, we have 4 free checked bags each way so total of 8 free checked bags if we need it. This is where comparing cards gets confusing.

I just checked our flights to St Thomas in June. I have 2 United passes I can use in Chicago. Coming back, we have a long layover in Houston. The PP lounges could come in handy in Houston. I was checking the PP directory and it says they have one in Houston. But not sure if we should pay the higher fee just to use a PP lounge once this year.

In Houston, I have eaten many nice meals at Landry's Seafood in terminal C.

I don't have the CSR or CSP as I have the United Club card and Ritz Carlton card. For me, the United lounge access cost about $25 a flight day for our family. Figure we get $25 worth of food and drinks between the 3 of us.

The United and Club card get the same rental auto policy, delayed flights, lost lugguage, etc. RC card gets us Priority Pass cards for each of us and a 50K award certificate for $130 in annual fees (with the $20 credit for Global Entry). Between United Clubs and Priority Pass restaurants, we have a nice layover experience.

Next month we are flying with grand parents. Because they are 80+ years old, we have some 3 hour layovers. Will get to use the PP restaurant benefit to get some nice meals for all 6 of us (wife and son got priority pass cards for free with Ritz credit card).

With credit cards, to each their own. I cannot justify the price for CSR at $250 a year.

Sent from my SM-N975U using Tapatalk

 

[frank808]

Is the travel and car rental insurance the same on both the Preferred and Reserved? Is the travel and car renta insurance better than on other credit cards?

The rental insurance is primary on CSR and CSP. It is primary on most Chase issued cards. Almost all other issuers charge for primary. I do have another credit union card that offers primary but most cards are secondary. Chase, in my opinion, offers the best primary rental auto insurance for a $95 annual fee card. And their carrier is very easy to file a claim with. Saved me thousands in claims.

Sent from my SM-N975U using Tapatalk

 

[michael49]

--The rental insurance is primary on CSR and CSP. It is primary on most Chase issued cards. Almost all other issuers charge for primary. I do have another credit union card that offers primary but most cards are secondary. Chase, in my opinion, offers the best primary rental auto insurance for a $95 annual fee card. And their carrier is very easy to file a claim with. Saved me thousands in claims.
I always use my United (Chase) card for car rentals since the insurance coverage is primary.--

Same here. I always use my United (Chase) credit card for car rentals since the insurance coverage is primary.

 

[Great3]

Ritz Carlton Chase for maintenance fee spend and the priority pass membership for our family. Use this for MF and get reimbursed $300 of the $450 AF. So in essence this card is $130 annually for a 50K FNA certificate. Global entry reimbursed every 4 years is worth $20.

Frank, I know this is getting off topic, but I was reading/researching about the Ritz Carlton Chase card after reading your post. It seems to me the terms for the $300 travel credit is only good for Airline ancillary fees only, but you are saying it works for MF dues as well? If so, I will probably ask for product change from my current Chase Boundless card I have for several years. Airline ancillary fees is harder for me to make $300, but MF dues is a no-brainer.

Just making sure you aren't confusing this $300 travel credit for RC card with the Amex Brilliant card that works for most Bonvoy Resorts, where I am reading that MF dues (MVC and Vistana) seems to count, before I ask for the product change to this Ritz Carlton card.

I also like that it seems this Ritz Carlton card gives Primary Car Rental insurance as well, which I don't currently have and am paying $20-$25 per rental thru AMEX primary insurance program.

Thanks,
Great3

 

[TravelTime]

I applied for Chase Sapphire Preferred. Chase Sapphire Reserve was appealing except for the high fee and not sure all the benefits were a great fit for me.

Chase did not give me an instant approval. I found that to be odd. I have high credit rating. I have 4 personal cards (planning to close one of these) and 1 business card. I did recently apply for the Amazon card. From what I remember, it was instant approval and I got my number when I was approved. Is it common for Chase to not to provide an instant approval? Could it be because I just applied for the Amazon card?

In general, what is the Chase policy for applying for multiple credit cards in the same year? I am asking this because I might want to also get another United card but wonder if I should wait to apply.

 

[GetawaysRus]

I can answer a few of your questions.

I haven't applied for a Chase card in a while (currently have 5 personal and 2 business cards). However, I cannot recall ever getting an instant approval. (I've never had an Amazon card.)

There is a "reconsideration" line. If you are denied, or if you're in a hurry to get approved, you can Google that number and phone.

My impression is that Chase has some maximum amount of credit (the sum of the credit line on all your cards) that they will extend to you. So when phoning the reconsideration line, I could often get an approval by moving some of my existing credit line from another card or cards that I wasn't using much. Also, if I ever close a Chase card, I phone and ask the rep to move the credit line on that account to one or more of my active accounts in order to retain my maximum Chase credit line.

Can you exceed 5 Chase personal credit cards? I'm not sure about that. If you're hoping to do that, be sure to have a good reason in mind if you have to speak with a rep.

Applying for credit cards has gotten trickier and far more dangerous. I was dinged in the Equifax breach and the Starwood/Marriott breach some years ago, so I know my information is out there. I keep all 3 of my credit reports frozen, so I have to temporarily unfreeze in order to apply. I only unfreeze very briefly (for a few days at most). But these scammers are good. The last time I applied for a new account, someone somehow snuck in a fraudulent app for a Chase Freedom card. Fortunately Chase denied it because I already have 2 Freedoms, and fortunately Chase sent me a denial letter so that I could call them and fix it. So be careful - it's dangerous out there in credit land.

 

[igopogo]

With topping off, is it now possible to get the fifth night free with a mixed reservation? eg with three cents and 35k points for a five night stay at 35k per night? Or pushing a little harder, three 50k certs and 50k points at 50k per night. The latter is what I really want to do, but it’s more than 15k per cert.

I would try but my certs are in a reservation that I don’t want to cancel unless I know it’s possible.