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Daisy Hernandez was editor of credit cards in Glasses guy Since 2023 but rejoiced Gamification Awards Credit Card much longer. Like many of her colleagues, she spreads her costs to several cards on to maximize rewards Such as airlines, hotel scores and cash return.
In January 2024, it opened the Chase Sapphire backup card and soon earned a 60,000 points bonus for at least $ 4,000 over the first three months. When she continued to score points, Hernandez began to communicate with her mom about the reproduction Iceland.
When her grandmother, then 79 years old, went into the conversation, Hernandez realized that she wanted to use some points for use.
“She had stars in her eyes. She was like this, ‘It’s strange. It sounds incredible, “says Hernandez.” I thought, “Let me see what I can do.”
By May, she had accumulated more than 100,000 points she had on a trip for all three. The guys estimate that every Chase remuneration point costs approximately 2.05 cents, making it a sunset of just over $ 2000.
In general, she managed to cover housing, car rental and her own air tickets. With these savings, she could afford to pay for the other two flights.
“For my grandmother, this was a trip every time in my life,” says Hernandez.
That’s how she did it.
She chose the card strategically
Hernandez wanted a premium card and narrowed things up to two main options. To choose between them, she looked at the award scores and transfer partners, among other factors.
It turned out that the Chase card worked with its “favorite hotel network”. So she realized: “It’s not easy.” Moreover, the first map went consumers with airports that would be unavailable at her local airport.
For cardholders, ready to pay an annual fee, several tourist cards offer excellent benefits and generous entrance bonus offers. Having changed the majority of her cost to her new Chase card, Hernandez was able to darken the cost of a three -month $ 4,000 costs to earn a 60,000 card bonus.
She was wise with her awards
Hernandez’s map offers a base line for each dollar spent on the map, and three points on travel and canteens, as well as increased values for purchases made through the Pahoni portal. For about five months, she managed to score just over 100,000 points.
It is important to note that Hernandez was responsible for her costs and realizing the risk of opening a new map. She and other experts would tell you not to open the card unless you can use her responsibly and avoid Transition to debt to achieve reward.
Hernandez used about 23,000 points – about $ 470 according to TPG – for a four -day lease. She used about the same as to book her flight that came with a denomination of approximately $ 450. In the rest, she received the money at the rest of the three nights for three guests, which were located on the two properties she booked through the Pahoni portal.
Its 100,000 points did not cover everything. She still paid about $ 900 for his mother and grandmother’s flights, as well as everything she spent on dinner and class when she was there.
“I still have the cost of a three -person killer,” says Hernandez.
She did not allow perfect to be enemy of good
Hernandez says she could strike even more if she were more conjunctural if she had more conjunctural.
“If I worked more to increase the bonuses for the transfer, if they were available, what they were not at the time when I booked us, I probably could even gain more value from these points,” she says.
Credit card programs periodically offer incentives to transfer their points. If Hernandez was waiting for the hotel network offers a 50 -percent transfer bonus, for example, it could convert, say, 50,000 points of her credit card into 75,000 hotel points.
But getting maximum value from your items requires effort and flexibility. The transmission of bonuses only so often. And even if you manage to find a profitable one, there will be no cases if you want to travel if you want to travel.
“At the peak of the season it will be more expensive, whether it will be cash or scores. So, you will be released when you decide to travel and go,” says Hernandez.
Also, if you allow your item to sit while you are waiting to find the perfect deal, they can lose some of their value. “Dealing happens all the time. (Hotel) can say,” Instead of our points costs 0.8 cents per score, now it’s 0.65, “Hernandez warns.
What can say that Hernandez does not regret using its points when it did.
“We are from Central America. My grandmother was never nowhere near the Northern Country. She said,” Never, in my wildest dreams, I would imagine that I would see a place like Iceland, “Hernandez says.
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