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I love answering questions from my readers and want you to travel for less!

Please leave a comment below with any requests, travel anecdotes, or topics which you’d like me to cover on the blog.

Or tweet me @MilMileSecrets for a quicker response!

I’d be delighted to make your travel dreams a reality!

Daraius Dubash and Emily Jablon (formerly married) have earned and redeemed millions of airline miles and hotel points – most of which they acquired for free and without flying in airplanes or staying in hotels.

Daraius Dubash - Million Miles Secrets

At Restaurant Sant Pau Near Barcelona, Spain.  Daraius & Emily Used Miles to Travel for Free on Swiss Air to Europe

Million Mile Secrets shows time-starved folks how, they too, can acquire airline miles and hotel points, and travel very comfortably to see the world, for a fraction of what they would otherwise pay for such travels.

They believe everyone can use airline and hotel loyalty points to travel for free – whether it is a trip in First Class to Thailand or a family visit to grandma in Florida.

By reading Million Mile Secrets you will learn their secrets to fly for much less,  stay in wonderful hotels for much less, and rent cars for much less than retail price.

They have visited over 30 countries in 6 out of 7 continents, and have flown on International First Class (where tickets costs about $20,000 per ticket) to Europe, Asia, and the US, many times for virtually no money.  They use their expertise and specialized tools to help their blog readers and their families travel and experience the world like they never thought possible.

Emily in Lake Como, Italy

Emily Used her Miles to Visit Lake Como, Italy


As a former Certified Public Accountant (CPA), Daraius roamed the world, as an auditor for a Fortune 500 company, to ensure that rules, regulations, and policies were enforced.  He also prepared many tax returns as a volunteer with the AARP.

Daraius now uses his ability to interpret complicated airline rules and marketing promotions – honed from mastering complex accounting rules – to make the most of airline, hotel, and rental car promotions.

But Daraius believes using your miles and points to travel shouldn’t require a degree in Accounting!  That’s why they started Million Mile Secrets.  They present the information in a helpful way that anyone can understand.

Emily was a Project Manager for General Dynamics (a Fortune 100 Company) and completed her MBA in 2014. She has worked in the Operations divisions of 2 publicly traded companies.

Busy people don’t have time to study the constantly changing deals, strategies, and requirements.  That’s why Million Mile Secrets only has the best offers and most relevant news, including their easy-to-follow analysis that has earned the trust of over 16,000 loyal readers.

Daraius has worked in the Finance, Auditing & Global Marketing divisions of Fortune 500 companies.  He has an MBA from the Kellogg School of Management and a Master’s in Engineering Management from the McCormick School of Engineering at Northwestern University.

News outlets such as The New York Times, CNN, and Business Insider call upon Daraius and Emily for their expertise at Big Travel with Small Money.

You Dont Have To Pay To Upgrade To An Overwater Bungalow In Bora Bora

Miles and Points Can Get you an Overwater Villa at the InterContinental Thalasso Bora Bora

In his spare time, Daraius loves to plan his future travels and plot how to increase their stash of miles and points (currently over 3 million).  He loves listening to classical music, reading non-fiction (history and biography), eating good ethnic food, and taking long walks.

Emily loves to Latin dance, listen to music, spend time with friends, and help plan future trips.

Million Mile Secrets is part of the BankRate family!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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7,994 responses to “Contact

  1. Hi Daraius – Great website and such helpful tips and tricks. Love reading your honest trip reports too.

    Need some quick advice: Have upcoming flights this weekend on Alaska and Hawaiian and Virgin America. Most of our miles balance lies between AAdvantage, Chase Sapphire, and Citi ThankYou. Smaller balances exist with BA, Virgin America, Delta, JetBlue, Turkish etc. Given that scenario, where would you advise its best we bank the miles?

    I don’t see my wife and I going to Hawaii often but we do travel to Europe and Asia frequently. Within the US, we frequently travel from SFO, OAK to NY/PHL. Looking forward to your thoughts!

  2. Do Chase Ultimate Rewards ever expire?

  3. Thanks to your site, my husband and I are just getting into the travel credit card scene. We’ve been longtime advocates of the cash back cc, but wanted to give this a try. Already we’ve got the Chase Sapphire Preferred, the Chase Freedom (to maximize those UR points), and the JetBlue Plus cards (we love flying Jet Blue, though not really loyal to anyone airline). We are hoping to be approved for the Sapphire Reserve (application still pending). Should we add a hotel loyalty credit card next (we’re not loyal to any one chain either)? What would you recommend we do next to broaden and diversify our portfolio?

  4. @Tess, I would recommend the Chase Hyatt, IHG, and Marriott card.
    You get free nights each year for the annual fee.

  5. @Dale – If you skip the London – FCO leg, the rest of your ticket (if it’s round-trip) will be cancelled. And if you check bags, they’ll likely go to FCO. So I’d proceed with caution.

    @Nancy Rice – Check out my post on the best ways to get to Europe with miles & points:

    And how to book American Airlines and Delta award flights to Europe:

    @SAPMAN – In theory that should work! But if you don’t need to use the Companion Pass right away, I’d suggest allowing for a little more wiggle room with your dates. But do whatever you’re most comfortable with!

    @Sam – Thanks for reading! And congrats on earning so many Chase Ultimate Rewards points! For hotel stays, I love transferring points to Hyatt because they have so many fantastic hotels throughout the world. Here are some ideas for Hyatt hotels in Europe and Asia:

    Check out our Trip Reports for a few ideas:

    @Tan Nguyen – Thanks for reading the site! For help with booking award flights to Vietnam, I’d recommend reading our award booking guides or looking into an award booking service.

    @Paul H. – One major difference is the Chase Sapphire Preferred card is a personal credit card and the Capital One Spark Miles is a small business card. Keep in mind small business credit cards come with less consumer protections than personal cards. Here are my reviews on both cards:

    @Shane Walls – Because you mostly have American Airlines miles, you’ll likely want to look for options with these miles. You’ll also be able to transfer your Starwood points to American Airlines! Here’s a guide to booking American Airlines award flights:

    @Pam – Your daughter would have to apply for Global Entry separately to have the same privileges as you and your husband.

  6. @Jackson, thanks for the recommendations. Looks like we wont be able to get anymore Chase cards after the Chase SR. Any cobranded hotel cards with similar benefits that are not a Chase card?

  7. Amex Platinum took back 100K points for buying gift cards from Simon Mall after 3 months. Earlier they were showing points and taken back after 3 months so we do not have time to use Platinum Credit Card for any other purpose to reach minimum spending. Can you advise what we can do. They are giving points for Cards Purchase only they removed 100K bonus that also after 3 months. I was keeping points in account to use when I need. Now learn to transfer immediately as soon as points are available. They have even not bother to inform us about this deduction. I lost complete trust on Amex Platinum Card. I have to audit every time to make sure points are credited properly.

  8. Can Qatar aadvantage miles award availability be seen on line?

  9. I’m sorry if this has been asked numerous times, but things seem to keep changing. Also, while researching your site I read some readers post they are having recent problems. Can you please tell me if it is still possible to transfer Ultimate Rewards directly (not to airline/hotel program) from spouse to spouse? Thanks!

  10. Hi,
    I am here atleast once a week to get new updates on whats going in the travel world. I need your help in guiding me how best can i utilize my 28000 starwood points and 65000 thank you reward points to book a trip to india in november this year. I was hoping to travel business class and i am willing to pay the rest of the amount in points.


  11. @Tess, according to doctor of credit, the IHG and Hyatt is not part of the 5/24.

    It seems to be well updated.

  12. I signed up for the AMEX Platinum during the 100,000 MR offer. I am trying to transfer the points to my Delta Skymiles account and they are conducting a 6-8 week review before they can transfer the miles. Is this typical? Is there a way to get around this? I want to book this trip ASAP as I am leaving at the end of October and I wanted to use these points for this specific trip.

  13. D: I signed up this past Sunday for Citi Executive AA card. While the 24 month new verbiage was on the header it was my understanding it wouldn’t go into effect until Monday. When I called in they said I wasn’t eligible for bonus points due to having gotten those points before……any recourse?

  14. D: Another rep I spoke with says it went into effect on Sunday not Monday….any suggestions?

  15. Thank you for your help in the past. My wife and I were able to fly to Hawaii last year for our 25th anniversary for FREE after aquiring a credit card you recommended and purchasing our regular purchases through that card. Thank you!
    We would like to go to Italy next year and I could use your help again. Can you recommend which airline has the best deal and which credit card would earn us the points we need to fly round trip. We live in the Sacramento, CA area but could fly out of San Francisco, if that gets us the best deal. I typically fly Southwest for work (average 2 round trips per month) and stay in Hyatt, Hilton & Marriott hotels (average 4 – 6 nights per month), however our personal purchases on a credit card have been what gives us the most points so far.
    Any suggestions for us?

  16. @Niraj – You can credit Hawaiian Airlines flights to a number of different frequent flyer programs, including United Airlines, American Airlines, and JetBlue:

    You can credit your Alaska Airlines flights to partners like American Airlines and Delta:

    And you can credit Virgin America flights to Virgin Australia, Virgin Atlantic, Emirates, or Singapore Airlines.

    @Keith – Chase Ultimate Rewards points don’t expire as long as your credit card account is active:

    @Tess – Welcome to the club! Adding a hotel card depends on your travel plans and goals. A card like the American Express Starwood Preferred Guest is valuable because you can use points for hotel stays or transfer points to airlines. Here’s a post about all the ways to use Starwood points:

    That said, there are terrific Chase hotel cards that aren’t impacted by the 5/24 rule:

    @KP – I understand your frustration. I’d recommend contacting American Express and speaking with a supervisor to see if there can be a resolution.

    @john tucker – The best way to find Qatar Airways award seats is through the British Airways search tool. Here’s a post with more info:

    @Soosie – You can only transfer Chase Ultimate Rewards points to your spouse if they are an authorized user on one of your Ultimate Rewards cards. Here’s a post with more info:

    @Rajaram – Thanks for reading the site! I’d recommend taking a look at our award booking guides. Or you could consider an award booking service.

    @John – As KP mentioned above, American Express has been taking back the 100,000 point bonus from certain folks. I’d recommend contacting American Express Membership Rewards to see if the review of your account can be expedited.

    @Rod – Because the offer included the 24 month language, I’m not sure you’ll have any recourse. It’s possible you could still get the points after meeting the requirements.

  17. Hi Darius,

    Thanks for sharing your knowledge as a result we were able to fly a lot for less.I am going back to India in 2 months for good. I have below points as of now.
    AA – 110000
    BA – 108000
    United – 200000
    SPG – 60000 expiring in 3 months
    Marriott – 190000(myself) + 194000(wife)
    Club Carlson – 55000
    IHG- 61000 _ Anniversary nights every year
    Hyatt – Anniversary nights every year
    Hilton – 75K points

    Most of the point expiring in next 1 year. Any suggestions to extend them or use them in India(or any international trip suggestions). I am thinking of going to Europe with family if possible with these points.
    Can I book hotels/flights for friends/family only(without me travelling)?

  18. Quick followup….would you really pay the $450 fee in the hopes the points post after meeting spend?

  19. Hi Daraius,
    Can you help? This was my tweet that won this giveway, but I never received the Starwood points.


  20. Thank you for responding. My question was about transferring directly from UR account to UR account.

    However now I’m even more confused: Your answer on Sept 2, 2016:
    “@Soosie – You can only transfer Chase Ultimate Rewards points to your spouse if they are an authorized user on one of your Ultimate Rewards cards.”

    On Sept 4, 2016 blog post – Do Miles Expire Sooner When You Transfer Chase Ultimate Rewards Points to a Spouse’s Loyalty Account?
    “Note: When you transfer your Ultimate Rewards points to another person’s Ultimate Rewards account, Chase only requires they are a household member.”

    Can I assume there was a mix-up? The Sept 4 post was very clear and I would like to go with that information. Thanks again.

  21. Dear Daraius

    Good morning – my name is Neil and I am a regular reader of your website. I am in the process of booking my travel for my honeymoon trip to Thailand. My airline affiliation is AAdvantage Platinum; but I am still learning all the different ways to earn and award my miles.

    Anyways, I am looking to pay to fly JAL (or Cathay Pacific) to Bangkok in December – they seem to have a fantastic premium economy product. Also, keep in mind I will be paying with credit card for these flights – I am NOT using award miles.

    I use the google flight website to search for best times and carriers when traveling international and determined Booking directly through the JAL./Cathay website is the best price and availability – the price of the flights are nearly 50% more if I went through the AA site.

    My question is – will I still be awarded AA miles if I book directly through JAL or Cathay Pacific? I can’t seem to get a straight answer on this. They flights are NOT marketed as a code share, they are just fares through the JAL/Cathay site.

    Thanks for your help!


  22. Quick update: Southwest links on the Hot Deals go to 2 offers for a Premier account, $99/year, each offering 50K miles, one with $1K and the other with $2K minimum spending in the 1st 3 months. No need to get back to me on this.

  23. Hours after taking the survey – it would be totally cool if you’d post a chart showing rate of exchange of points or miles between programs: on the left, list the programs receiving points, on the top, list those giving points, and in the box where they meet, put the ratio 2:1.1 or whatever it is. For those who won’t give at all but can receive points, put their names in red at the top. For those like Southwest where the exchange varies, use the average and put a star by their name, both top and left.

  24. Hello!
    I have a question or two, maybe someone as knowledgeable as you can advise me?
    – me and wife are looking to buy 2 tickets for travel in Australia, SYD-MEL-CNS-SYD.
    They have 2 major airlines flying these routes, Virgin Australia (VA) and Quantas.
    – Quantas belongs to oneworld partners (AA, BA, etc.), I have AAdvantage account (w/~30K), and their credit card.
    – VA is in Star alliance (United, Air Canada, etc.). We’re flying United to/from SYD (from ATL), and I have their credit card, too. Have about 30K pts in MileagePlus account (points for the flight there and back are pathetic, since tickets were $500/pp, so it’s not increasing a lot).
    – Finally, VA has reciprocity with Delta, where I’m Million Miler and lifetime Silver Medalion. 200K points, and I have Delta Platinum card as well.

    Q: Which airline(s) should we fly in Australia? And which credit card should we use to maximize the points/miles earned?
    I’d like to get either AA or MileagePlus miles/points to fly to Hawaii (preferrably, with wife 🙂

    Thanks in advance for your advice.

  25. Daraius/Emily,
    How would you go about buying and upgrading an airline ticket to utilize a credit card travel bonus and have money refunded to you and not on the credit card used to upgrade if upcoming travel plans are canceled? Thanks for your help

  26. In regards Ultimate Rewards Sappphire Reserved card that offers the 100K miles bonus tI have a question about the $600 travel credit. Is this based on the purchase date of a ticket ? for example could I buy a one-way to Europe in Dec for travel in early 2017 and then wait till Jan or Feb 2017 and purchase the one-way return ???

  27. Hi! I am planning a special bday trip to Thailand – and would love to use travel awards to get business/first class. What suggestions do you have for building mileage for airfare to Thailand (Phuket or Bangkok).
    Best, Jennifer

  28. Daraius/ Emily,

    After studying abroad last semester, I’ve been bitten by the travel bug and I’m anxious to travel more. A friend recommended your blog and I’ve been reading the posts and doing a ton of research on getting my first credit card. The problem is, although I have a very good credit score, the fact that I’m a college student and don’t spend that much precludes me from going for the cards with bonuses that require spending $3,000 in the first 90 days. I very much would like to get a card and start getting rewards for my purchases and developing a credit history, but in keeping with the number one rule of only getting into the game if I can pay off my balance each month, there doesn’t seem to be a card out there for me. Ideally, I’m looking for a travel rewards card that offers a signup bonus requiring $1,000 in the first 90 days and has a waived annual fee for the first year- (or none at all!) Is there a card that you’d recommend for me? Thank you!


  29. I currently have 60000 rapid reward points on my southwest Rapid Rewards account. So If my husband transfer his 50000 Raid Reward Points to my account. Will I qualify for Companion Pass ?

  30. @nav – Check out my posts about how to keep your miles & points from expiring: AND

    And yes, you can book flights for friend or family with your miles even if you aren’t traveling with them, but some hotels will ask for the person on the account to be available at check-in. You can often get around this by telling the hotel beforehand that someone other than the account holder will be checking-in.

    @Rod – Yes definitely! If you apply for a card and meet the minimum spending requirement within the appropriate timeframe, your sign-up bonus should post without issue!

    @Matt – Emily will be in touch with you ASAP!

    @Soose – Sorry for the confusion! The rules are different for personal a business Chase cards. You can move Chase Ultimate Rewards points from your account to a spouse’s airline or hotel partner loyalty account, like United Airlines, if you meet certain conditions.

    Transfers from personal cards like the Chase Sapphire Preferred require the recipient be a household member AND authorized user on the account.

    But for small business cards like the Chase Ink Plus, the recipient must be an authorized user on your account AND a company owner or an employee traveling for business purposes.

  31. I am hoping to get the SW CP- 3,000 more points to go. What would happen if I try to earn it at the very end of December? Think it would be possible that it may post in 2017 thus giving me the 2 years? Or would it be retroactive to the day it was earned? Thanks!

  32. Do you have recommendations for a similar site discussing options for folks in Britain? Sent your page to a friend there, she is very interested but all the offers need US address. Thanks!

  33. @Neil – Yes you can have the miles you accrue on qualifying JAL or Cathay Pacific flights credited to your American Airlines frequent flyer account.

    Check here for the details on which types of fares qualify when flying Cathay Pacific:

    And check here for the rules regarding JAL flights:

    @Karey Kumli – Thanks for the heads up and for the suggestion!

    @MileJunkie – Thanks for the questions! Check out my post about using United miles to fly to Australia. It might help when you’re planning your trip!

    Note that Virgin Australia isn’t a part of any alliance.

    And if you’d prefer to earn American Airlines miles or United Airlines miles, I’d suggest using your American Airlines credit card for award flights on Qantas while you’re in Australia. You can read more about how many points you’ll earn for your flights here:

    Because you can’t earn United Airlines miles for Virgin Australia flights.

    @Tony – As far as I know, If you pay for a ticket or upgrade with a credit card and cancel your trip, you’ll receive a refund to your original form of payment (the credit card) or receive a credit with the airline. Hope that helps!

  34. @Matty Abbot – Yes you are correct. The travel credit is based on the date the charge hits your credit card, not the actual flight date.

    @Jennifer – It depends on where you live and which airlines fly out of your local airport! But you can start researching your options with our Airline Award Charts and Award Booking Guides found here:

    If you can send me a few more details about your trip, maybe I can point you in the right direction. 🙂

    @Liz – I love your enthusiasm about the hobby! You’re right, lots of the best rewards cards have high minimum spending requirements.

    So check out my post about ways to meet minimum spending requirements here:

    Not all of these tips will be useful, but they could spark an idea. Maybe you have a trusted family member who’s making a large purchase soon, who could use your card and then pay you back?

    Otherwise, consider cards like the Chase Freedom or Freedom Unlimited. They’re often considered cash back cards, but earn (my favorite!) Chase Ultimate Rewards points. Starting off with either of those cards would be a great way to build a relationship with Chase, which offers some of the best rewards cards available!

    And here are a few more idea that can help get you started:

    @Susan – No, unfortunately transferred Southwest points do NOT count towards the Companion Pass:

  35. I think a lot of us who got the new CSR are product changing our old CSP to a Freedom or Freedom Unlimited. If we want to open a new CSP in 24 months to get whatever the bonus is at that time, will we still be eligible for it since technically our old account is still opened and just went through a product change? Thanks!

  36. @Kris – To earn the Southwest Companion Pass, you must earn all 110,000 Southwest points within a calendar year (January – December). So you’ll need to earn those last 3,000 Southwest points before the end of December! To be safe, I’d recommend earning them as soon as possible. Because if they post in January, you will NOT earn the Companion Pass:

  37. In 2017 planning on visiting Cuba for two months or more. Don’t want to travel with a suitcase of cash. Since Cuba does not accept USA credit cards, which non USA credit card is accepted in Cuba and you would recommend or what bank in Havana could an American open an account in a NYC branch and withdraw from at a Havana Branch? Thanks for your help and your website..

  38. @Mike – Technically, you will not be a Chase Sapphire Preferred cardholder if you switch to a different product. So you should be able to earn the sign-up bonus on a new Chase Sapphire Preferred 24 months from the date you last received a bonus. Hope this helps!

  39. Please i need a ticket booked for this week international flight please contact me asap. ….

  40. Great site!! Been collecting flight miles for about two years now!!
    Been paying 2 mortgages from Ca. by getting a Bluebird checking account. Purchasing Visa debit cards from a Simon mall and depositing into Bluebird.
    However, lately Bluebird keeps on shutting me down. Running out of relatives to keep it going!!
    I’m using Capital One Venture card to purchase debit cards since they give me 2x the points for every dollar spent.
    What can I do now to continue the payments to my mortgage company and use my credit card, to gain 10,000 miles a month?? Help??

  41. Hi,

    I have a question about UR. I currently have the CSP card (i was denied the Sapphire Reserve). My wife just received her Sapphire Reserve. I am thinking about closing my CSP but i would like to consolidate our points in my wifes CSR account. Do i need to be added as an authorized user to move my points to her? Thus inuring the $75 fee?

    Also, once the points are moved to her account, will i be able to transfer the points to my loyalty programs(I have better status than she does) or will we need to use hers?

    Thank you

  42. @its me EW – Emily had some great tips on cash planning after her recent trip to Cuba:

    @Tira – I might be able to lead you in the right direction if you provide some additional details of your trip.

  43. Thank you for all the great info you provide! I’ve learned so much and am super close to earning my first big travel reward…the Southwest Companion Pass!

    I do have a question that I haven’t been able to find an answer to. I recently got the Sapphire Reserve and am planning on purchasing a Disneyland package through Costco Travel (and using that card for the purchase). I want to make sure I earn the 3x points for travel and have it count toward my $300 travel credit. Do you know if Costco Travel purchases will post in the travel category on the card? If they won’t, I want to weight the options of purchasing direct to earn those bonuses versus the discounts Costco Travel provides.

    Thanks so much!

  44. What’s the best strategy for using Hawaii Airline miles to get from Chicago to Hawaii? Perhaps fly to the west coast and then fly Hawaii Airlines? Or is it better to search ORD (or MDW) – Hawaii?

    I check your website daily.

    Thank you

  45. I have had Club Carlson visa signature card for close to 3 years. I’d like to cancel it before it charges me $75 annual fee again. A lot of points were accumulated through sign up and purchase. Are the points still valued after I cancel my credit card? I probably will lost the Gold Elite status, but at least I can still use my points even the visa card is cancelled, is that right?

    Thank you very much for your time and help!

  46. Hello Sir/Mam,
    I hope you are doing well. I want to publish my articles on your website to promote my own( What is the procedure and how much does it cost?

    Awaiting your reply.

  47. Hey Darius, thanks for all your travel tips! Thanks to your travel knowledge we saved 500$ on our last trip. We missed out southwest flight with a connection from buffalo to Boston, they where going to put us on standby the next day, the only flight from buffalo to Boston was a direct with American for 250 each. Right before we bought the tickets I saw my British airways card and remember your post about using avios for short haul flights and quickly searched for award flights and bam we got two on the spot and got a direct flight, my wife also got her points credited back to southwest so a super win. Thank you so much

  48. Got an offer from Southwest targeted for California residents – fly only 5 round trip flights or 10 one way (revenue flights) before October 31 originating or terminating in a qualified California airpot

  49. My wife and I travel quite a bit, but we have not done the reward system yet. We are very interested and have talked about it quite a bit. Can you send me an email, so I can ask you just a few questions.

    1) Where do my points go? Like, I earn points from one credit card…do they go into an account that the credit card controls, or do I determine what account the miles go? So, Could I combine miles from two different cards?

    2) It appears that the first annual fee is waived. Do you just cancel your cards once the annual fee is no longer waived?

    3) Should I open a card meet the spending requirements, then open a new card meet the spending requirements, and continue this process? Then after a year, start to cancel these cards to avoid the annual fees? Is that typically how the system works?

    4) How do miles work? Is each mile worth a certain amount of money, distance, or what?

    Any other information would be greatly appreciated. Thanks!

  50. Please consider an article on Chase Sapphire Reserve vs Bank of America with Platinum Honors for those who spen $30k, $40k, and $50k annually on credit card expenses.

  51. Thanks for all the great information on the daily emails. I absolutely love reading them every morning and am excited to begin travel hacking. We have a trip planned to Itlay in the spring and already have the 100,000 miles on Chase Saphire Reserve and now working on the Chase Saphire Preferred. My question is regarding the Visa PNC Travel Reward card. I have had it for many years and have over 100,000 miles on it. Can it be transferred to any other program or airline?

  52. @Steven Daniels – You can make mortgage payments with a credit card using services like ChargeSmart. But there are fees associated with using a credit card. So you’ll want to do the math to see if the credit card rewards are worth it. Here’s more info about using ChargeSmart:

    @Brian – You can transfer your Chase Ultimate Rewards points to the Ultimate Rewards account of anyone in your household. They do NOT have to be an authorized user. See this post:

    @Marcus – Thanks for reading the site! You can redeem Hawaiian Airlines miles on partner airlines like Virgin America to get to Hawaii. For example, Virgin America has flights from Chicago to Maui. Here’s more information on partner award flights using Hawaiian Airlines miles:

    @Erin – Thanks for reading the site! Congrats on being so close to earning the Companion Pass! I don’t have personal experience with Costco Travel purchases. But I’m not sure these purchases would code as travel. It’s possible it could just code as a regular Costco purchase. I’ll let you know if I find out differently.

    @Alice – You will NOT lose points that are in your Club Carlson account if you cancel the credit card. Here’s a post about what happens to your points after canceling a card:

    @Osama – I’ll take a look at your website. Thanks for sharing!

  53. Thank you soa much darius and emily for introducing me to the credit card points, i have started getting chase points. could you please answer below 3 questions.

    1) how will i know that i fully used 1500$ in bonus categories in freedom unlimited card? Is there any tracker i can check?

    2) how will i (efficiently) use my chase points for travel?

    Keep up the good work guys


  54. My thank you premier card’s annual fee is coming due. Already have scheduled flights thru this card. If i cancel card, do they cancel flights ??

  55. Hi Darius,
    I have a small issue here. American Express gave me the bonus of 100K for signing up and for completed the offer. I used the card to make payment for groceries shopping but I mostly spent on buying gift cards to complete the offer of spending 3K. Now they took away my all my bonus points say that buying gift card is not qualify. I’m in the process of appealing. But what else can I do if they decide to deny my request? Thank you very much for your help.

  56. Thank you for the reply, Daraius! I just came across a Visa supplier lookup website this morning and it shows Costco Travel listed as Travel Services – 4722. I wish I had a smaller trip to test this out with first, as I’m unsure of their cancellation policy, but I’m now thinking it will code correctly. I’ll let you know if I decide to try it out!

  57. If you have the AAdvantage Citi Executive Card, and hit the $40,000 threshold in order to earn the 10,000 Bonus EQMs, are those miles redeemable miles, or do they only count toward you hitting elite status?

    Thank you for your help!

  58. So I’m CPC and Chase still won’t approve me due to too many CC’s in 24 months (14/24), any suggestions on how to get approved? Or do you think I’m stuck waiting it out? Appreciate any advice you have! Thanks!

  59. Regarding the air travel credit benefit from Citi Prestige or Chase Sapphire Reserve, does the United Airline Gift Registry qualify for the credit?

  60. Daraius: thank you so much for all the help! My new hub and I have already taken a ton of trips for just a little more than $0 including Spain/Portugal (where he proposed!), the Nola Jazz Fest and Ireland last month. We are heading to Belize and Miami in Dec for a whopping $121. Question about the CSR and UR points. I was just approved and also have a CSP and Ink card with points on all of them. If I transfer those points over to my CSR account are ALL the points now worth $1.5? I don’t have my points yet but dying to know the answer to that. Thanks again!

  61. Just found out that the points program will merge right away. I was in the process of booking and was told i will need to contact marriot tomorrow to merge my spg account. 3 points for evey 1 and my status will be honored at marriot.

  62. Hello! I love this website and have been a reader for years! Thank you so much for posting all of this everyday!

    Quick Question I had: Do you know if using the American Express Premier Gold Card to purchase 2 separate American Airlines Gift Card from ($50 each = $100 Total) still works to get the $100 airline fee credit as 2 statement credits for $50 each which literally makes it free? I just purchased today on my AMEX Premier Gold ($50 + $50) and my wife purchased also on her AMEX Premier Gold ($50 + $50) to make it $200 total. I have read alot of blogs and did alot of research on google and people still say they receive it but I wanted to get a more updated post. If you or anyone knows about this recently, would be greatly appreciated! Thanks!

  63. Hi. I don’t know if you’ve talked about this or if it applies to everyone who has Spire Elite status or just some who are Spire Elite: IHG gave me Spire Elite status this year. I think it was because I have the credit card but I’m not really sure. Any way today I was clicking around and I clicked on Spire Elite benefits on my account and I could have 25000 points added to my account or I could gift those points to someone! It expires the end of the year.

  64. Sandra Marks-Webster

    Hi- thx for the info on how to best use our points after merging our Marriott &!Starwood accounts. Could you give us strategies on how best to use these point for flights, including on United Airlines?

  65. Sandra Marks-Webster

    Could you tell us the best way to use Marriott & Starwood points for flights including on United Airlines?

  66. My understanding is that in EU countries, rental car companies have to have full liability coverage, millions, with every rental, but sure would like to know fur sure what is covered in every country. My understanding is that with the rest of the world, it depends on the country. For example when we traveled in the Dominican Republic last winter, I found out the DR required a small amount, I believe $12,000 of coverage is included with every rental, however to find that out takes a lot of effort to find out. We rented with Europcar.

    Why is this important? Because we have Allstate international umbrella coverage, but it only kicks in if you have insurance with another carrier.

    I would love to see you do an article on this.

    The car rental companies are making a huge amount of money by forcing a customer to buy insurance at the counter.

    I found out that even if you buy insurance at the counter with Europcar, you only are covered up to $55,000 of liability, so effectively you are paying a huge amount of money for only $38,000 of additional coverage.

    I forced this issue before I left and had email documentation of my coverage with me to take to the counter.

  67. Thanks for all the wonder full info..
    Question “Once the minimum spending requirements have been met on the Case Saphire Res. how long will it take before the benefits -miles can be used- redeemed ??and is there any way to expedite the process thanks in advance Jon

  68. what new card should i add? credit score circa 850; we typically take only one trip (1-2 weeks) and 2-3 weekend trips per year.

    presently have chase sapphire preferred as my wife and I’s daily user; ~250k miles
    –>should i consider transition to sapphire reserve for one year and revert?

    2nd card is AAdvantage MC platinum select; ~130k miles
    -typically use for flights only

    will be taking a trip in 01/2017 and staying at an spg hotel; would i be better off obtaining marriott or spg card? 3k expense no issue.

    based on my research i would presently plan on obtaining sapphire reserve now, spg circa 12/2016 (just before trip), and downgrading to gold aadvantage after flights (attempting to get fee waived).

    your input is greatly appreciated

  69. @Sandra Marks-Webster – Great question! We’ll have a post about using Starwood points for United Airlines flights very soon!

    @Norma Brandsberg – Car rental insurance can certainly be a complex subject! Here’s a post about alternatives to buying rental car insurance from the counter:

    @jon b – The points will post to your account within a few days of the close of your billing statement. You can then use the points immediately. Unfortunately, there’s no way to expedite receiving the points.

  70. @brian – You’ll want to pick a new card that helps meet your travel goals. The Chase Sapphire Reserve is certainly a good choice because it earns my favorite type of flexible points! Remember, you’ll have to submit a new application to be eligible for the 100,000 Chase Ultimate Rewards point sign-up bonus.

    Here’s my review of the card:

    And here are many other cards – feel free to read through them and pick the one that best aligns with your travel goals:

  71. First off I want to say thanks for the resources.

    My question is this, Ive had several cards thru chase (marriot, IHG, saphire preffered, United etc.) Normally i make minimum spend receive the bonus wait 6 months and cancel the card. Today I cancelled 2 chase cards and they made me talk to a supervisor about why. They were grilling me pretty badly but i told them im religiously following dave ramsay and he is anti credit card. Do you think they are catching on? (CHASE that is) do they realise im a churner and will they flag me. Im waiting 18 months so I can churn them again lol.

  72. @Lucas – Thanks for reading the site! It’s possible Chase has noticed a pattern of applying for credit cards and cancelling soon after you receive the sign-up bonus. Here’s a post with tips on cancelling credit cards to avoid making the banks angry:

  73. Redeeming Virgin America Elevate on Hawaiian air;
    Once the lowest miles redemption availability on Hawaiian airline’s website is gone, which means NOT redeemable thru Virgin America, would there be any chance that VA will get more seat released later on? I kept calling them every now and then for the last month to check further availability but they cannot check if it’s been all sold out already or just seats haven’t been released. I believe it’s sold out, it’s not like it’s more than a year advance, but i just couldn’t be sure since they don’t even know.

  74. I sure enjoy your website, I’ve learned so much from it! I’m trying to plan a trip to Europe using BA avios for the flights. I want to use BA avios for an Aer Lingus flight from BOS to Shannon, Ireland and then to use avios to return from DUB to BOS. First off, I’ve never booked any flights with avios, so I’m not sure what I am doing. I was thinking of booking the first flight ( a one-way) as soon as it is available, and then booking the return flight later when it is available. I thought I would be more likely to find award availability doing it this way. Are there any disadvantages to doing it this way? Is the price the same? Also, if I need to cancel, would I pay 2 cancellation fees if I book 2 one-ways instead of a round trip? I would be very appreciative for any help you can give me. Thanks!

  75. hi darius,
    i booked 2 delta flights with my dad’s miles but he no longer have this amex delta card, so i paid the taxes with mine delta card. My question is : can my dad still get the first checked bag free???

  76. First and foremost I love your blog. I read it 10 times every day. Everything I’ve learned about amassing points has come from your great advice. At this point I’m sitting on about a million points, a Companion Pass and 15 wonderful credit cards including the Chase Private Client Sapphire Reserve card.

    So here’s my question. What is the best way to get the most bang for my buck buying into United Airlines ticket? Would I use my United card or my Chase Sapphire Reserve card and how about combining that with buying it through the Ultimate Rewards portal as well?

  77. @Cr7 – Thanks! I’m so glad to hear it worked out for you!

    @Zach – Thanks for the tip!

    @Cory v – Check out my series for folks new to miles & points. You’ll find the answers all of your questions there!

    Also, take a look at this post about annual fees and when you cancel your credit cards:

    @Richard – Thanks for the suggestion!

    @Sheryl – You can NOT transfer PNC points to airlines, but you can redeem them for paid flights, hotel stays, gift cards, and merchandise. However the rate is very poor. This post should help:

    @Josh – Yes you can track your bonus category spending. Here’s a post that will show you how:

    And check out my post about the best way to redeem Chase Ultimate Rewards points:

    @reggie – No, your flights will not get cancelled.

    @Ryan – Sorry to hear that. Regarding minimum spending, AMEX’s terms say: “The following charges do NOT count towards the Threshold Amount: fees or interest charges; balance transfers; cash advances; purchases of travelers checks; purchases or reloading of prepaid cards; or purchases of other cash equivalents.” So you might not have any recourse.

    You could always try calling again to see if you get a more helpful representative. Good luck!

    @Erin – Thanks! Please keep me posted. 🙂

    @Joshua – No, EQM’s are NOT redeemable miles, they only count towards elite status.

    @Ben – It’s likely you’ll have to wait it out. But you could always try talking to your banker to see if you’ve been pre-approved for the card, because some folks have had success with that method. Good luck!

    @Devon – I don’t have personal experience with the United Airlines Gift Registry, so I’m not sure.

    @Nina – Yes they will! And I’m so happy to hear about all of the amazing trips you’ve taken so far.

    @John – Yes you can now transfer points between the programs. Check out this post for the details!

    @Aziz – I’ve heard they should count for the statement credits. But as always, it isn’t guaranteed.

    @Vicki – Interesting! Thanks for sharing!

  78. Quick Question – I have two AA cards. One is a Citi AA card (MC) and the other one is an Aviator AA card (MC) from Barclays. I am wondering are the annual fees worth keeping on both cards or are the cards pretty much redundant? I had at one time written down to not cancel card because you can reapply 18 months after getting card (if you don’t close them) to get another bonus but don’t know if this still is true. Any help would be appreciated!

  79. Quick Question: I have two AA cards, one is an AAdvantage Citi (MC). The other is an Aviator AAdvantage (MC) through Barclays. My question: are these both worth keeping for the annual fee or are they pretty much redundant as far as benefits go? I had written down at one time (for the Citi card) to not cancel the card because after 18 months of opening up the card, you can reapply again for bonus. Not sure if that is true any longer. Any advise is much appreciated.

  80. I am thinking of joining my friends with 2 cruises in the same year in 2018 and both are with Celebrity. My question is do I sign up for a credit card with Celebrity or use the existing credit cards that I have with 3 major airlines like AA, Delta and United?

  81. @Jung – That’s a tough one! I’d recommend you keep checking the website to see if any seats become available. And book them as soon as you find them. Good luck!

    @Sally – So glad you learn from our site! You can book separate one-way flights using British Airways Avios points. And the cost will be the same as a round-trip award flight. But as you mentioned, you will have to pay 2 cancellation fees to redeposit your miles if you book separate one-way flights. Here’s some more information about how to book, and what fees to expect:

    @kate – Because you paid with your card, you’d have to be on the same trip itinerary for your dad to get a free checked bag. The cardholder always has to fly to get the free checked bag perk.

    @Timothy Graham – Congrats on having your million points and thanks for reading the blog! If you’re not using points for an award flight, you’ll probably want to pay with your Chase Sapphire Reserve card. Because you’ll earn 3X points on travel purchases and have great travel benefits, like trip cancellation insurance.

    You can always transfer your Chase Ultimate Rewards points to United Airlines, too, so I’d call it a win-win!

  82. I have two questions. Q1) We live in KSA but frequently travel to USA. Our current carrier of choice is Delta, however in the past we flew American out of Bahrain. As a family we accrued around 170,000 AA miles, but now that we don’t use AA anymore we are looking to cash those miles in. In your experience, what would the smart traveler do with these miles? Q2). We have both the Amex Delta Platinum card (to help with delta miles – currently we are gold medallion) and Chase Sapphire credit cards for personal use. Now, we need a small business credit card that will either help pad our Delta miles (we try to annually spend the $25k waiver amount) or one that will help make our international travel more enjoyable. Which small business cards would you suggest to meet these requirements. Thank you.

  83. Someone please tell me the APP. that will crunch all your points and miles and show the best travel deals . Is there an app that shows the latest award travel deals? Is there an app you can plug Ina destination that shows options for pay or miles? Thanks, Dan

  84. Hi there, I currently have the Chase freedom card and I am trying to decide whether I should get the Chase Sapphire preferred or Chase Sapphire reserve card in order to access the good 1:1 ratio between Chase Ultimate Rewards and Chase’s travel partners. I recently applied for the Chase Sapphire Preferred (before the Reserve was available) but was denied because my income is too low. However, in my application, I only included my US based income. I want to reapply while including both my US-based and non-US-based income. I am now deciding whether I should reapply for the Chase Sapphire Preferred, or apply for the Chase Sapphire Reserve. Any thoughts?

  85. Hi Daraius, I have a secure credit card from WF that i had since i was in college (for 6 years), and it is my oldest card on my credit report. but this card has a yearly fee, and i have never used it in the last 2-3 years, since i don’t bank with WF anymore (switched to Chase years ago). I was thinking to either close it or switch it to a non-yearly-fee card. So, which option do you think is the best ? and if i switched it to a no yearly fee card, will they do a hard inquiry and will it count toward the Chase 5/24 rule ?

  86. Hello:

    What a fun/educational site. A couple of questions. Whats the best way to use 2M Amex Reward Points? Is there anyway to consolidate Chase points with AMEX. Cheers. Maheen

  87. I have had the arrival plus card before. Closed 6/2015. I’m considering applying for it again. But reading in the terms I found this:
    This one-time 50,000 miles offer is valid for first-time cardmembers with new accounts only. Existing cardmembers and existing accounts are not eligible for this offer.
    Does that mean I will not be able to get the 50,000 points since I had the card before?

  88. Are there any hotel rewards programs that allow you to upgrade your room when it is a paid stay? Sort of like paying for an airline ticket and using points (plus a co-pay) to upgrade to business class. Thank you.

  89. @Michael Haynie – You can’t cash out your AA miles. But you could consider using them for a flight on 1 of their partner airlines. Check out my series on all the ways to use your American Airlines miles:

    Also, I’d consider 1 of the AMEX Delta small business cards that are currently offering increased sign-up bonuses!

    @Dano – Check out my post about AwardAce:

    @Gary Sing – They’re both great cards! However, the Chase Sapphire Reserve comes with double the sign-up bonus and a few extra perks. You can read my post comparing the 2 cards here:

    @Omar – Because it’s your oldest card, I’d suggest downgrading it to a no-annual-fee card instead of closing it. Usually that won’t add an inquiry on your credit report, and therefore will not count towards 5/24. But it’s always wise to double check with the representative when you’re downgrading the card!

  90. @Maheen – Unfortunately, you can’t combine Chase points and AMEX points. But check out my post about using AMEX points for ideas!

    @Amber – Folks have reported getting the bonus again. Check out my post here:

  91. Hi Daraius,

    For American Express cardholders, it can pay to look through “Amex Offers and Benefits.”

    At the home page of my card, under “Amex Offers and Benefits,” after scrolling nearly to the bottom, it says:

    “Aerolineas Argentinas
    Spend $500 or more, get $100 back.”

    That would amount to 20% back on a $500.00 purchase.

  92. Every time I go to enter your giveaway I put in my email address but it doesn’t allow me to enter any comment. Whats up? Don’t know if I’m even entered without being able to post a comment. Just did it for the Hilton pts but couldn’t put in any comment. 3-4 th time this happened.

  93. How can I be notified when avios become available on British Air?

  94. Just a quick question: when cards state that you can’t receive the same sign-up bonus if you received it in the last 24 months, does the 24 months refer to when you were awarded the bonus after the minimum spending was completed?

    Other possible interpretations might be when your card account was opened or when the actually points were first used or (in the case of the Chase Hyatt), when the award nights were used.

    I just wanted to confirm.

    Thank you.

  95. Daraius ,

    Any ideas if Chase Sapphire Reserve gives $300 travel credit when using the UR Portal.

    For example, I wanted book ticket to India but tickets are relatively expensive in December. Is it possible to split transaction between UR points and cash, charge $300 on Sapphire Reserve card and rest in points.
    Would Chase credit me for $300 travel?

  96. How strict is Chase with respect o the 24 months? I received a Southwest 50,000RR on February 27, 2015. Should I wait to apply until Feb 28, 2017?

  97. For the Hyatt chase card, can I receive another sign up bonus 24 months after I am awarded my first sign up bonus even if I kept the card active? Or does the 24 months gap for getting a sign up bonus count after I cancel my card. I’m just debating whether to keep the card for its anniversary free night or cancel and wait to get the bonus again. Thanks

  98. @Marcus – Yes, you can sometimes upgrade paid hotel stays using points. For example, here’s information on using Starwood points to upgrade a paid stay:

    And here’s how you can do it with Hyatt:

    @Ted – I agree! AMEX offers can be a terrific way to save money or earn AMEX Membership Rewards points.

    @susan cronkite – You can use ExpertFlyer, which is a paid subscription service to receive award flight alerts. Here’s a post about using the service:

    @Jerry Che – This depends on the bank. For example, Chase restricts you from earning another sign-up bonus for 24 months after your received the last bonus on the same card. But Citi rules say you can’t get a sign-up bonus on the same card if you had the same acrd opened OR closed in the past 24 months. Hope this helps!

    @Jay – That should work!

    @Cliff – We will look into that!

  99. HELP!!!!!!!!!!!! My husband and I both have the Citi American Airlines Platinum Select Personal credit cards. We’ve had these since December 2015. On July 1, 2016, we both applied for the CitiBusiness American Airlines Platinum Select credit card (50,000 point sign up bonus). I’m pretty sure we used the link on your blog, as I always try to use those when they’re the best deal. I was approved immediately, my husband was approved after about a week. We both completed the $3,000 spends well in time. I received the 50,000 point bonus to my American Airlines account, however, my husband did not. He called Citi to find out why the sign up bonus had not posted. The gentleman he spoke with said he was not eligible for the bonus as he had an active personal account already earning American Airlines miles. I am aware Citi tightened their restrictions, but that wasn’t until mid-August. My husband thought he’d try calling a different associate. On the second call, he was a little more prepared with exact dates of our application and the date the rules changed at Citi. The representative still said he was ineligible. They tried telling him that the wordage hasn’t change in their terms and conditions, they’ve just barely started enforcing it. They said the only way they could do anything, is if we could show the wording in our offer. I really have no idea how to go about finding that as I shred and throw everything away. Also, we applied online, so I don’t have a paper offer. Do you have any words of wisdom or help you can lend our way? I really have no idea how to go about contesting this further. Additionally, I have no idea why I would have received the bonus, but not him. Any ideas?

  100. Hi Daraius,
    I have a HHonors account and already received the sign up bonuses for both the AMEX and Citi cards. My wife and I are trying to save up some more points to have a free trip. If she gets a citi or AMEX hilton card under her name (she’s never had any), but with my HHonors account number on it will we still get the sign up bonus? Thanks!