Category Archives: Chase Freedom Unlimited

Avoid Duplicate Card Perks and 2 Annual Fees by Downgrading This Chase Card

Million Mile Secrets reader, John, commented:

I recently got the Chase Sapphire Reserve card because of the sign-up bonus and 3X bonus on dining.  Plus, I’ll use the $300 annual travel credit without a problem.  Is there any reason to hold on to the Chase Sapphire Preferred?

Great question, John!  And thank you for being a continued reader of our blog!

There’s no reason to keep both cards.  Because the Sapphire Reserve has all of the same benefits as the Sapphire Preferred, and then some.

So you can downgrade your Sapphire Preferred card to a no annual fee Chase card and avoid having duplicate benefits.  And you can save money on the annual fee.

Sapphire Preferred Vs Sapphire Reserve

If You Recently Got the Sapphire Reserve, You Can Downgrade the Sapphire Preferred to Avoid Duplicate Benefits and 2 Annual Fees

I’ll compare both cards.  And explain what I recently did in this situation!

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This Family Took Trips to Disney, New Orleans, & Mexico With Chase & Southwest Points

Welcome to the next installment of our Reader Success Series where Million Mile Secrets Readers share how they booked a trip with miles & points to get Big Travel with Small Money!

Andy is our newest reader success story to show folks it’s possible to travel without spending a lot of money.

This Family Took Trips To Disney New Orleans Mexico With Chase Southwest Points

Surviving the Heat at Disney’s Animal Kingdom

A big thank you to Andy for sharing his story!

Please introduce yourself to everyone and tell us how long you’ve been involved in the miles & points hobby.

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How to Add a Companion to Southwest Flights Booked Through a Travel Portal

Million Mile Secrets reader, Camilla, commented:

Can you book a Southwest flight through the Chase travel portal using Chase Ultimate Rewards points, and then add a companion if you have the Companion Pass?

Folks with the Companion Pass can add a companion to any Southwest flight.  It doesn’t matter if it’s booked directly through the airline or a travel portal!

This is good news for folks with the Companion Pass looking to get Big Travel on Southwest with the Chase Sapphire Reserve.  Because points linked to your Sapphire Reserve account are worth 1.5 cents each when you book travel through Chase.

Or those using the Pay With Points perk with the The Business Platinum® Card from American Express OPEN.

Add Companion To Southwest Flight

You Can Add Your Companion to Any Southwest Flight!

I’ll show you how to add your companion to a Southwest flight when you book through a travel portal.

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Why You Should Take a Screenshot When You Apply for New Cards

Million Mile Secrets reader, Jack, commented:

My wife applied for the Citi American Airlines Platinum Select MasterCard.  She was approved and completed the minimum spending requirements to earn the sign-up bonus.  But after inquiring with Citi, the bank claims there is no record of her applying for an offer with a sign-up bonus.

They want proof of the offer and we do not have any.  Any suggestions?

Jack’s wife’s situation is one of the most frustrating situations readers ask about.

Folks see an offer to earn a terrific sign-up bonus, like 50,000 airline miles or free hotel nights.  Then, they apply to find out they used an outdated link.  Or the bank can’t find records of the offer.

Everyone makes mistakes, including the banks.  That’s why it’s important to keep records and take screenshots of credit card offers during the application process.

Why You Should Take A Screenshot When You Apply For New Cards

A Quick Screenshot Can Be the Difference Between Earning a Sign-Up Bonus or Not!

I’ll show you simple ways you can screenshot an offer page.

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Top 10 No-Annual-Fee Credit Cards for 2017

Lots of travel rewards cards can be worth paying the annual fee.  Because they come with great travel perks like big sign-up bonuses, free hotel nights, trip insurance, and other benefits.

But there are plenty of personal no-annual-fee cards that can get you Big Travel with Small Money too!

These cards are good to keep forever.  Because keeping your cards open for a long time can increase the average age of your accounts and potentially improve your credit score.

Almost all of the cards in this post do NOT earn us a commission.  But we’ll always tell you about the best deals!

Best No Annual Fee Credit Cards 2017

You Can Earn Points & Miles With These Great No-Annual-Fee Cards. And Start Planning Your Next Adventure Sooner Rather Than Later!

Here are my top 10 picks of personal (not business!) credit cards with no annual fee.

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When Can You Transfer the Freedom Unlimited Sign-Up Bonus to Chase Travel Partners?

Million Mile Secrets reader, Prabha, sent an question via email:

With the Chase Freedom Unlimited card, when can I transfer the sign-up bonus of 15,000 Chase Ultimate Rewards points to airline partners like United Airlines instead of redeeming for $150 cash back?

Great question, Prabha!

Earning transferable points like Chase Ultimate Rewards points is the trick to travel flexibility!  And often times, you can get more value for your points by transferring to airline and hotel partners instead of redeeming for cash back.

But to transfer Chase points to travel partners from no annual fee cards like the Freedom or Freedom Unlimited, you’ll need to have another eligible Chase card, like the Chase Sapphire Preferred.

Otherwise, the points you earn with the Freedom Unlimited can only be redeemed for 1 cent each for cash back or towards travel.

Transferable Chase Ultimate Rewards Points

The Sign-Up Bonus With the Freedom Unlimited Can Be Worth More When You Have a 2nd Chase Ultimate Rewards Card! For Example, You Can Get a Free Night at the Hyatt Centric Santa Barbara Hotel, Which Can Cost $200+!

I’ll explain when Chase Ultimate Rewards points can be transferred to airline and hotels partners for Big Travel!

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5 Excellent No Annual Fee Cash Back Cards

Million Mile Secrets reader, Lindsay, tweeted:

I have a Chase Sapphire Preferred card, but would like to get a new card to earn cash back.  Do you have any recommendations?

Many folks like to pair their miles and points rewards cards with a cash back alternative.  Because it’s easy to redeem cash back rewards.  And it’s always nice to have a little extra cash in hand.

Although miles and points can be worth more depending on the award, the benefit of cash back rewards is they won’t fluctuate in value.  So you’ll always know what you’re earning!

5 Excellent No Annual Fee Cash Back Cards

Miles & Points Credit Cards Are the Best Option for Folks Who Want Big Travel With Small Money. But There’s Room in Your Wallet for Cash Back Cards Too!

I’ll share 5 picks for folks looking to get a cash back card.

Emily and I don’t earn a commission for any of these cards, but we’re committed to always sharing the best deals with you!

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Chase Sapphire Reserve Increases Value of Your Ultimate Rewards Points

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

I love transferring Chase Ultimate Rewards points to travel partners, like Flying Blue, Hyatt, and United Airlines.  Because you’ll often get the most value for your points.  But there are times when using the Chase portal is a better deal when you want a specific flight or hotel because your travel dates aren’t as flexible.

With the Chase Sapphire Reserve card, you’ll get a 50% bonus, or 1.5 cents per point, when you redeem points for travel through the Chase portal.  For example, this makes 50,000 Chase Ultimate Rewards points worth $750 in travel instead of the $500 you’d get for redeeming points for cash back.

The best part is you can transfer points to your Sapphire Reserve card from other Chase Ultimate Rewards points cards like the Chase Freedom or Chase Ink Cash.  This means your existing points will increase in value!

Chase Sapphire Reserve Increases Value Of Your Ultimate Rewards Points

Book an Air Berlin Flight Through the Chase Travel Portal. Because You Can’t Transfer Chase Ultimate Rewards Points Directly to Air Berlin.

Emily and I don’t earn a commission from the Chase Sapphire Reserve.  But I want y’all to know how to get more for your Chase Ultimate Rewards points with this card!

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How Does a Chase Product Change Impact Earning Future Sign-Up Bonuses?

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Million Mile Secrets reader, Mike, commented:

I recently got the Chase Sapphire Reserve and will product change my existing Chase Sapphire Preferred card to the Chase Freedom or Freedom Unlimited.  Will I be eligible to open a new Sapphire Preferred card in 24 months and earn a sign-up bonus at that time?

Excellent question!

I understand why Mike wants to product change his Sapphire Preferred to a no annual fee Chase card after getting the Sapphire Reserve.  He’ll save money on the Sapphire Preferred’s $95 annual fee while getting better perks with the Sapphire Reserve!

The good news is after you convert the Sapphire Preferred, Chase no longer considers you a cardholder.

This means Mike WILL be eligible to earn a sign-up bonus on Sapphire Preferred card in the future.  But there are certain rules to know.

Chase Product Change Future Sign Up Bonuses

Earning Future Chase Ultimate Rewards Point Sign-Up Bonuses Is Important, So You Can Get Big Travel With Chase Travel Partners Like Hyatt!

I’ll explains Chase product changes to help folks earn the most sign-up bonuses in the future!

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Planning a Caribbean Vacation With the Ink Business Preferred 80,000-Point Bonus

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Chase Ultimate Rewards points are terrific for award flights to the Caribbean.  So the amazing Ink Business Preferred sign-up bonus of 80,000 Chase Ultimate Rewards points can go a long way towards award flights AND free hotel nights.

You can transfer points to 4 airline partners to get to the Caribbean:  British Airways, Flying Blue, Southwest, and United Airlines.

With remaining points, you can book free hotel stays at chains like Hyatt or IHG.  And if you need more Chase Ultimate Rewards points, you can transfer points from other cards like the Chase Freedom or Chase Sapphire Reserve.

Caribbean Vacation Ink Business Preferred Bonus

Book a Caribbean Getaway to Aruba & Many Other Destinations Using the 80,000 Point Ink Business Preferred Sign-Up Bonus for Award Flights and Free Hotel Nights

I’ll explain how to use your points to get Big Travel to the Caribbean!

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