Category Archives: Citibank

2 Types of Travel Insurance: Medical Coverage Vs. Trip Protection

Million Mile Secrets reader, Nancy, commented:

Do you have any advice for travel insurance carriers?

Travel insurance is broad and complex.  Because there are separate insurances that cover trip related incidents vs. medical issues.

For example, you’ll get coverage for mishaps like trip delays just by paying with credit cards like the Chase Sapphire Reserve or Citi Prestige.

But if you’re looking for medical coverage while traveling outside the US, you might consider purchasing a supplemental travel medical insurance policy.

Travel Insurance Coverage

Are You Looking for Trip Protection Benefits, Travel Medical Insurance, or Both?

I’ll explain what you should consider when looking for travel insurance.

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A ~$36,000 Round-the-World Trip in First Class for a Fraction of the Cost!

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!

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

A 36000 Round The World Trip In First Class For A Fraction Of The Cost

Enjoying First Class in the Emirates A380

A big thank you to Amy for sharing her story!

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

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Could a Pending Application Impact the Sign-Up Bonus You Receive?

Million Mile Secrets reader, Donna, commented:

I applied in-branch for the Chase Sapphire Reserve the day before the sign-up bonus was reduced.  My application was not immediately approved.  If I’m approved for the card after the expiration date of the higher sign-up bonus offer, what sign-up bonus will I receive?

Fantastic question, Donna!

If you’re approved for a card after your application was pending, you’ll receive the sign-up bonus that was available on the day you applied for the card.  

But to avoid any issues, I always recommend you take screenshots of credit card offers during the application process.  And if you apply in-branch, the banker should give you paperwork with the sign-up bonus details for your new card.

Could A Pending Application Impact The Sign Up Bonus You Receive

If You’re Approved for a Card After a Pending Application, You’ll Earn the Sign-Up Bonus Available on the Day You Applied

I’ll explain what you should know about earning a sign-up bonus with a pending credit card application.

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Extra Cheap Flights to Europe From Many US Cities Starting at ~$224!

Via Secret Flying, you can fly from several US cities to Europe in coach starting at just $226 round-trip!

I found flights from Boston to Barcelona for $381 round-trip in coach on September 3 to September 10, 2017.  This fare is valid for travel between August and October 2017.

Extra Cheap Flights To Europe From Many US Cities Starting At 224

Paris Is on Sale Right Now, Along With Lots of Other European Cities!

Here are the details.  And how to search for deals from your city!

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New, Easy Way to Earn Delta Miles!

Do you use Lyft to get around?  You can now link your Delta and Lyft accounts and earn Delta miles when you ride!

Via Rapid Travel Chai, you’ll earn 1 Delta mile per $1 you spend on Lyft rides.  And for a limited time, you’ll earn 3 Delta miles per $1 when your ride begins or ends at an airport!

You’ll receive these miles on top of what you’ll earn by using a credit card that earns miles, points, or cash back.  It’s a great way to double-dip!

Earn Delta Miles With Lyft

You Can Now Link Your Delta and Lyft Accounts to Earn Delta Miles on Every Ride

I’ll share the details and show you how to get set up!

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Timing Your Trip: Why the Travel Season Makes a Difference

The time of year you choose to vacation usually affects the prices you’ll pay and your travel experience.

Busy seasons (like holidays) can attract lots of tourists to popular destinations.  I typically prefer traveling in low or shoulder season when things are quieter and cheaper!

But some folks would rather book a getaway during peak season to enjoy the best weather.  Or because it works best for family vacation schedules.

High Season Versus Shoulder Season Travel

Emily Traveled to the British Virgin Islands During High Season Because of the Ideal Weather. And She Booked a Marriott Award Stay, Which Costs the Same Amount of Points Regardless of Season!

I’ll share the pros and cons of traveling to a destination during its high season, shoulder season, and off-season.

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5 Lesser-Known (but Valuable!) AMEX Platinum Perks for Big Travel With Small Money

The AMEX Platinum cards have terrific benefits, including the flexibility to use your AMEX Membership Rewards points to buy travel, or transfer them to airline programs.

You’ll get a $200 annual airline incidental fee credit on your selected airline.  Plus $200 per year to spend on Uber or UberEats, access to Centurion Lounges and 1,000+ Priority Pass Lounges, and free Hilton, Starwood, and Marriott Gold elite status.

But there are lesser-known, yet valuable, AMEX Platinum benefits too.

American Express Benefits You Might Not Even Know You Have

AMEX Platinum Cardholders Get Exclusive Perks at Resorts Like the Four Seasons Oahu Ko’Olina, Including Early Check-In, Late Check-Out, Room Upgrades, and Free Breakfast

Let’s check out the AMEX Platinum benefits you might not be familiar with!

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Save Time & Money With Costco Travel Part 4: Cruises

I know lots of folks who love to vacation at sea.

Cruises are popular because there’s so much included in the price, like meals, onboard entertainment, and unlimited use of the water slides!  So it’s a great option for a family getaway.  Plus, many cruise itineraries include visits to multiple destinations.  And you only have to unpack once!

If you’re planning a cruise and are a Costco member, I recommend checking options on Costco Travel.  Because similar to warehouse club’s vacation packages, you can often find the best prices and get extra perks.  For example, a Costco Travel cruise might come with a credit to use onboard or an all-inclusive beverage package.

Costco Travel Cruises

Sail the Mediterranean Sea or Book Other Fantastic Cruises Through Costco Travel!

I’ll share the benefits of booking a cruise with Costco Travel!  And compare prices and perks you find through the warehouse club with what you’ll get booking directly or through a 3rd party site.

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You Can Save a Friend or Family Member $100 With This Card Perk!

Million Mile Secrets reader, Bob, commented:

I have several credit cards that will reimburse me for the Global Entry application fee.  Can I pay for a friend’s application fee using my card and still get the credit?

Excellent question, Bob!  You certainly can!

When you pay the $100 Global Entry fee with cards like the AMEX Platinum or Chase Sapphire Reserve, you’ll automatically get a credit for the charge once every 4 or 5 years (depending on the card).

This terrific perk is NOT linked to the cardholder.  So you can pay the fee for ANYONE and still get the credit.  This is great for folks who already have Global Entry.

If you have a Global Entry fee credit to spare, I’m sure your friends will appreciate you saving them time and money! 🙂

Global Entry Fee Credit

You Can Use Certain Credit Cards to Pay for Someone Else’s Global Entry Fee and Still Get a Credit!  Friends or Family Will Appreciate You Saving Them Money and Time at the Airport

I’ll remind y’all which cards come with the $100 Global Entry fee credit!  And how you can use it to pay the fee for a friend or family member.

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Reader Tip to Help Folks Use the Fewest Points for Airfare

Million Mile Secrets reader, NB, commented:

A word of caution for other readers.  Always check an airline site to see how many frequent flyer miles they are charging for a flight.  Because even with travel portal bonuses, you might still use fewer miles by transferring points directly to an airline and booking an award flight.

For example, I found Southwest airfare for $211, which would require ~16,880 Chase Ultimate Rewards points from my Sapphire Preferred ($211 cost of airfare / 1.25 cents per point) if booked through the Chase travel portal.

But Southwest was charging 12,601 Southwest points for the same flight.  So I instantly transferred Chase Ultimate Rewards points to Southwest at a 1:1 ratio and booked the award flight.

This is terrific advice, NB!

Some folks can develop certain habits when booking award travel and miss opportunities to save miles and points!

For example, I recently shared 3 examples of booking Southwest flights, which result in different values for your Chase Ultimate Rewards points.

And you’ll likely come across similar scenarios when comparing award flight prices on with other airline transfer partners vs. flight prices through a travel portal.

Book Airfare With Points

A Quick Comparison of Flight Prices Might Save You Thousands of Miles or Points!

I’ll explain why you’ll want to run the numbers when redeeming points for a flight!

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