Hyatt Residence Club Coconut Plantation (Bonita Springs, Florida) – Trip Report

Introduction The Hyatt Residence Club (HRC) Coconut Plantation is located in Bonita Springs on Florida’s Gulf Coast. It is one of sixteen timeshare properties in the HRC portfolio, including one of five in Florida. Earlier this year I was solicited by HRC for a three-night stay at the Coconut Plantation wherein we would pay $262 including taxes and receive three…
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Hyatt Residence Club Coconut Point Timeshare Promo – Bonita Springs, Florida [TARGETED]

Introduction Earlier this year I received a promotional email from Hyatt offering a three night stay at the Hyatt Residence Club (HRC) Coconut Plantation located in Bonita Springs, Florida. For $262 including all taxes and fees, I would receive a $100 room credit or 10,000 World of Hyatt points and three nights in a one-bedroom king condominium. The catch? I’d…
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BoA Virgin Atlantic (VS) Credit Card Review (2019.9 Update: 65k Offer!)

Bank of America Virgin Atlantic World Elite MasterCard 2019.9 Update: The new best signup offer is 65k, which is the best ever offer on this card! Offer ends on 2019.10.31. HT: DoC. 2019.4 Update: The card art and signup bonus have both been updated. Application Link BoA Virgin Atlantic (BoA VS) Benefits 65k offer: earn 60,000 Virgin Atlantic (VS) miles…
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Barclaycard AAdvantage Aviator Red Credit Card Review (2019.9 Update: 60k Offer & First Year Annual Fee Waived)

Barclaycard AAdvantage Aviator Red World Elite MasterCard Review [2019.9 Update]: There is a new offer for 60k AA miles with the annual fee waived in the first year. This offer does not include a companion certificate, which is our opinion is a good trade off for the waived annual fee. The offer ends on 2019.10.31. HT: reddit. This offer is supposed to be…
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BoA Alaska Business Credit Card Review (2019.9 Update: 42k Offer!)

Alaska Airlines Visa Business Card Review 2019.9 Update: The new offer is 42k miles + companion fare. HT: FM. Application Link BoA Alaska Business Benefits 42k offer: earn 42,000 Alaska Miles after spending $2,000 in first 3 months. Plus earn a $121 companion fare in the first year. We value Alaska Miles at 1.8 cents/point (Airline Miles Value), so the…
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Amex Business Platinum Card Review (2019.9 Update: 110k Offer)

The Business Platinum Card from American Express Review 2019.9 Update: People are now seeing a 110k offer when viewing the application in incognito mode. 2019.7 Update: There is now a 100k public offer, however the spending requirement has increased. This offer now receives 60k MR after $10k spend, and an additional 50k MR after an additional $15k spend. Therefore, to…
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AmEx Marriott Bonvoy Business Credit Card Review (Formerly AmEx SPG Business) (2019.9 Update: 100k Offer Available Again!)

Marriott Bonvoy Business American Express Card (Formerly Starwood Preferred Guest Business Credit Card from American Express) Review 2019.9 Update: The 100k offer has returned! The minimum spend is $5000 within 3 months. This offer is set to expire on 10/23/19. Application Link AmEx Marriott Bonvoy Business (If you can’t open it, try incognito mode) Benefits 100k offer: earn 100,000 Marriott points after you…
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Summary of Points Transfer Time: UR/MR/TYP/Marriott

One of the primary aspects to the credit card rewards game involves the following transferable point currencies: Chase Ultimate Rewards (UR), AmEx Membership Rewards (MR), Citi ThankYou Points (TYP), and Marriott Bonvoy (MB). The best value for these rewards are often found in transferring to airlines.  The relationship of each currency to various airlines is summarized in Wings of the…
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AmEx Hilton Credit Card Review (2019.8 Update: 100k Offer)

The Hilton Honors American Express Card Review 2019.8 Update: The 100k offer on this card has returned at the same time the 130k+FN offer for the Hilton Surpass/Business cards ended. Application Link AmEx Hilton public link. Possible to see 100k offer with $1,000 spending requirement. Note that you have to use the incognito mode or empty the cache in your…
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British Airways Visa Signature® Card Review (2019.8 Update: 100k Offer & Some New Benefits)

British Airways Visa Signature® Card Review 2019.8 Update: The new offer is 50k after $3k spend and an another 50k after an additional $20k spend.  Some new benefits added to this card also include 2x earning on hotels; a Travel Together Ticket after $30k in annual spend; and statement credit on YQ. See below for details. Application Link Chase British…
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Chase Freedom® Review (2019.8 Update: $200 Offer!)

Chase Freedom® Review 2019.8 Update: The new offer is $200 (20k Ultimate Reward points)! Application Link Chase Freedom Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in 3 months from account opening.  Earn 5x UR in each quarter’s bonus categories, 1x UR on all other purchases. You need to activate beforehand, and the deadline is the 14th of…
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Chase Freedom Unlimited® Review (2019.8 Update: $200 Offer!)

Chase Freedom Unlimited® Review 2019.8 Update: The new offer is $200 (20k Ultimate Rewards points)! Application Link Chase Freedom Unlimited (CFU) Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in the first 3 months. Earn 1.5x UR on everything with no cap! Although this card is advertised as a cash back card, it actually earns Ultimate…
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Barclaycard Wyndham Credit Card Review (2019.8 Update: 45k Offer Is Back)

Wyndham Rewards Visa Signature Card Review 2019.8 Update: The 45k offer is back. Note that the first year annual fee is waived for this offer. HT: reddit. Application Link Barclaycard Wyndham Benefits 45k offer: earn 45,000 Wyndham points after spending $1,000 within the first 90 days. This is the best recent offer. Wyndham points are valued around 1.0 cents/point (Hotel Points…
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Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
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Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer Chart (2019.8 Update: UR Adds Partner Emirates)

2019.8 Update2: Chase UR added Emirates (EK) Skywards as a partner with a transfer ratio of 1:1. HT: Reddit. 2019.8 Update: Citi TYP has quietly removed transfer partner Garuda Indonesia (GA) GarudaMiles. HT: FM. This is not a big thing because I believe 99.9% of people never used GarudaMiles. But lack of notice is not good. 2019.6 Update: Marriott Bonvoy…
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