I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

[Judique]

That's an interesting question. I found this on the portal after clicking my points balance in the top right corner (which also shows how many points you have at 1.25 and how many at 1).

"These points are eligible for 1.25x when redeemed for Chase Travel; however, they will be used first and automatically apply to any redemption you make—reducing the number of eligible points whether they’re redeemed for Chase Travel or something else."

So your Hyatt transfer will take the 1.25 points first.

If you happen to have another card that can transfer to partners, you could move it there instead.

I have Freedom, Sapphire, CIC and CIU. Hmmm, I could upgrade the Freedom to another CSP if I found a need to transfer a lot of points. Right now I really don't have to, but the upgrade wouldn't be too bad a deal in the right situation. Meanwhile I could leave my 1:1 URs on my CIC. Plus I'd get another $50 hotel credit. It's really all small potatoes right now so I'll tread water until a situation comes up where I could benefit.

 

[AmyAnne]

Thanks to those who posted about the Chase Chewy $10 deal. I have it on a few cards (biz, CSR, freedom).

Does anyone happen to know if this would work on a $50 gift card?

 

[Nala83]

I booked a hotel on the Chase portal- mostly points, but $53 on CSP in hopes of using the $50 hotel credit. I booked on 11/12. My statement closed 11/28. No credit. I read in another post that the credit posted in 2 days, which has me worried.

I last used the credit in Nov '24, and my anniversary year reset in May 2025.

I just had to cancel the hotel and am rebooking with different dates. I can't decide if I should try again with $50ish in cash or not bother. I'd rather go all points.

 

[Judique]

I booked a hotel on the Chase portal- mostly points, but $53 on CSP in hopes of using the $50 hotel credit. I booked on 11/12. My statement closed 11/28. No credit. I read in another post that the credit posted in 2 days, which has me worried.

I last used the credit in Nov '24, and my anniversary year reset in May 2025.

I just had to cancel the hotel and am rebooking with different dates. I can't decide if I should try again with $50ish in cash or not bother. I'd rather go all points.

I just booked a January date for the same reason. I put $51 cash on the reservation. I did not check to see when my last $50 credited but I seem to remember it credited almost immediately after the charge posted. Mine is pending right now so will watch it for a few days and if I'm too early I'll just cancel and rebook.

EDIT: I get confused on anniversary date. I opened the card 1st week of November 2020. Annual fee posts Dec 1.

I can see that I got the credit for late November bookings the last two years so I should be good to go. If it doesn't credit, I can rebook and try again, but I personally should be okay.

Looking at it again, the credit posted on the same date the charge posted after it was no longer pending.

If I were you I'd check your statements beginning with April 2025 to see if there are any credits you may have forgotten, as it looks to me my credit is available in November before my annual fee posts Dec 1.

 

[chattadisser]

Thanks to those who posted about the Chase Chewy $10 deal. I have it on a few cards (biz, CSR, freedom).

Does anyone happen to know if this would work on a $50 gift card?

I'm not sure on the gift card, I've never tried it. If there is an option to do a physical gift card it might work. Those offers usually won't work on an e-gift card as those are usually processed by a third party.

 

[hsmamato2]

I booked a hotel on the Chase portal- mostly points, but $53 on CSP in hopes of using the $50 hotel credit. I booked on 11/12. My statement closed 11/28. No credit. I read in another post that the credit posted in 2 days, which has me worried.

I last used the credit in Nov '24, and my anniversary year reset in May 2025.

I just had to cancel the hotel and am rebooking with different dates. I can't decide if I should try again with $50ish in cash or not bother. I'd rather go all points.

can you only 'try' for the credit, but can't see it till a few days later? I keep forgetting to try it

 

[Crazed4DisneyinSC]

I booked a hotel on the Chase portal- mostly points, but $53 on CSP in hopes of using the $50 hotel credit. I booked on 11/12. My statement closed 11/28. No credit. I read in another post that the credit posted in 2 days, which has me worried.

I last used the credit in Nov '24, and my anniversary year reset in May 2025.

I just had to cancel the hotel and am rebooking with different dates. I can't decide if I should try again with $50ish in cash or not bother. I'd rather go all points.

This last time (April 2025) the credit for me took like 3 weeks. I too was getting worried, so I canceled the hotel, and the credit actually showed up the next day…

 

[ten6mom]

I am booking a cash economy fare to Japan on JAL. A quick check via the AA website does not show any award availability (sAAver or otherwise), unless I am missing something. Departure is April 26, 2026 and return is May 4, 2026. I want a non stop from LAX > KIX.

When booking, it asks me for a Frequent Flier Program and Number. American Airlines is one of the options.

Does anyone know if there is any advantage (ha) to add my AA number? I don't know why they would ask... am I going to earn AA miles for it or anything?

 

[Twilghtsprkle]

I am booking a cash economy fare to Japan on JAL. A quick check via the AA website does not show any award availability (sAAver or otherwise), unless I am missing something. Departure is April 26, 2026 and return is May 4, 2026. I want a non stop from LAX > KIX.

When booking, it asks me for a Frequent Flier Program and Number. American Airlines is one of the options.

Does anyone know if there is any advantage (ha) to add my AA number? I don't know why they would ask... am I going to earn AA miles for it or anything?

They are partners. We earned AA miles on our trip to Japan on JAL.

 

[ten6mom]

They are partners. We earned AA miles on our trip to Japan on JAL.

Really! That's great. I didn't know I could earn miles flying on a partner.

Thanks!

 

[2vets]

If anyone has an Amex (I had this on my Blue Cash Preferred), check to see if you have an "Insurance" offer - earn 10% back when you make an insurance payment, max $20 cash back. I have 2 annual bills (earthquake and PL policies) that I pay in December anyways, so this was a nice little gift!

 

[Judique]

If anyone has an Amex (I had this on my Blue Cash Preferred), check to see if you have an "Insurance" offer - earn 10% back when you make an insurance payment, max $20 cash back. I have 2 annual bills (earthquake and PL policies) that I pay in December anyways, so this was a nice little gift!

I've had it on my card and my DD's authorized user card. I have insurance that needed payment by 12/1 and I was going to use DD's card to pay it. Turned out they don't take Amex. I did use it on my card on my last car insurance.

 

[AmyAnne]

I'm not sure on the gift card, I've never tried it. If there is an option to do a physical gift card it might work. Those offers usually won't work on an e-gift card as those are usually processed by a third party.

Thanks for the reply. Unfortunately I didn't find time to test this out. Hopefully there will be more offers soon.

 

[TheOneWithTheTriplets]

If anyone has an Amex (I had this on my Blue Cash Preferred), check to see if you have an "Insurance" offer - earn 10% back when you make an insurance payment, max $20 cash back. I have 2 annual bills (earthquake and PL policies) that I pay in December anyways, so this was a nice little gift!

This tracked for my annual travel insurance, too, which was a nice bonus.

 

[trenty]

Discover IT's Q1 2026 categories are Grocery Stores, Wholesale Clubs, and Select Streaming Services.

 

[Judique]

I just booked a January date for the same reason. I put $51 cash on the reservation. I did not check to see when my last $50 credited but I seem to remember it credited almost immediately after the charge posted. Mine is pending right now so will watch it for a few days and if I'm too early I'll just cancel and rebook.

EDIT: I get confused on anniversary date. I opened the card 1st week of November 2020. Annual fee posts Dec 1.

I can see that I got the credit for late November bookings the last two years so I should be good to go. If it doesn't credit, I can rebook and try again, but I personally should be okay.

Looking at it again, the credit posted on the same date the charge posted after it was no longer pending.

If I were you I'd check your statements beginning with April 2025 to see if there are any credits you may have forgotten, as it looks to me my credit is available in November before my annual fee posts Dec 1.

@Nala83

My CSP hotel credit (if booked through Chase using combo of UR's and cash) of $50 posted alongside my $51 charge today. Appears to be an instant credit for me for 3 years running.

 

[AndreaDM]

If anyone has an Amex (I had this on my Blue Cash Preferred), check to see if you have an "Insurance" offer - earn 10% back when you make an insurance payment, max $20 cash back. I have 2 annual bills (earthquake and PL policies) that I pay in December anyways, so this was a nice little gift!

I have this too and was excited to use it, just paid DD's car insurance last week and found out Progressive doesn't take Amex, grrrr.

 

[reliev]

So, I have a question about DCL. We looked at the destiny when the schedules came out, and then we looked again because of the YouTube/social media posts about it. The price didn't change. Is this normal? I've always called within our booking window. I just want to know if I'm wasting time, if that makes sense.

 

[Judique]

I have this too and was excited to use it, just paid DD's car insurance last week and found out Progressive doesn't take Amex, grrrr.

Ditto!

These little bumps can make a difference when it comes to keeping a card. My Amex Marriott brilliant by itself is just spending my own money with the dining credits and the FNC (although I have gotten higher value for this night, without the FNC I probably wouldn't have paid the cash).

So, a Best Buy offer, Lowes offer, Insurance offer - sometimes times 2 because of the authorized user card DD has had since she was old enough - all add a little to the pot. Often I'll use a small restaurant credit and this year the Ikea credit helped.

Just looked and there is a 10% of at CVS up to $10 on this card and it's AU card.

There are also 4 phone company spend offers for those who use Visible, Straight talk, Total Wireless and one other.

Separate from Amex, BJ's has an instant $20 of $200 which stacks with any Cyber deals but it wouldn't work on a Disney card. I added one, checked out and then cancelled to find out. The did take $7 off the 500 but I can do better with a 10% and credit card rewards offer.

 

[TheOneWithTheTriplets]

So, I have a question about DCL. We looked at the destiny when the schedules came out, and then we looked again because of the YouTube/social media posts about it. The price didn't change. Is this normal? I've always called within our booking window. I just want to know if I'm wasting time, if that makes sense.

DCL is not following their "normal" pricing history. Sailings aren't coming up in price as quickly after opening day, tons of deals are dropping even before paid in full. They aren't selling like they used to and what you're seeing is a reflection of that.