After a 3 year hiatus, I am back for CC tips and travel. I had several trips planned when Covid happened, and since everything was cancelled I just took a break. We did finally take a trip to Florida this year and a few other small trips so I was able to use up most of the leftover points I had been refunded during that timeframe.
Here is my CC layout currently.
02/19 Chase Sapphire $3000 limit 4200 UR's
06/11 Chase Disney (the no fee one) $2000 limit
04/16 Chase Southwest Priority $12000 limit 51000 pts ( I use this one for most purchases)
2019 Chase Ink Business $5000 limit (rarely use after initial bonus, but didn't want to close b/c it was my last chase business card)
When I was doing the business cards I transferred limits so that is why most are low.
02/20 Amex Hilton Surpass $8000 limit 140,000 pts
2019 Amex Marriott Bonvoy Business $9000 limit 85,000 pts
09/23 Amex Delta Just applied for this one and will be working on the bonus $3000/6 months for 85000 pts, also going to use this one for Global Entry application
Other cards Rarely used:
9/15 citibank
05/05 Bank mastercard
07/17 Bank of America
I do have a P2, sort of. He only agreed to play when it came to the SW card, and Chase Sapphire. He still has Sapphire, but SW is closed. He got Chase
Amazon last year which he uses almost exclusively and prefers that one.
Other Travel Award accounts
American Airlines 20,688 pts leftover from Covid Cancel
Alaska Airlines 32,160 pts leftover from Covid cancel
Bills:
Mortgage paid off
Taxes we pay annually in Oct
1 car payment, has to be direct account pull
Car insurance, direct account pull
cell phone, direct account pull to keep discount
All other monthly bills are put on a CC and paid off monthly
My travel goals for next year:
Florida Trip, will use SW pts for flights probably not a Disney trip though, just beach
My big trip for next year is 2 weeks in Europe (London, Paris, & Switzerland) in Sept 2024 Dates are flexible as long as it is past the Olympics.
On this trip it will be Me, my mom, cousin and bestfriend. Myself and mom will have points for flights and some hotel. Well the goal is to use as much points as we can. Cousin and BFF will be cash.
We have to use Delta for our flights for this one. Mom and I are working on the Delta points. All 4 of us either have Delta gift cards or credits. We want at least Comfort/Business for flights. For myself though I'm going to try my hardest for enough points for first class.
Our base airports are San Antonio or Austin.
I see I can't transfer UR's to Delta, but I can book Delta with UR's.
I can transfer Marriott to Delta, but that's a 3:1 ratio with a 5,000 bonus for every 60,000 transferred. Not sure that's the best deal though. I'm thinking save the Marriott points and take advantage of the 5th night free when using points if I can get a decent amount saved.
I am looking for the best point earning, for international flight via Delta and hotel stays in Europe.
I am also trying to decide which is the best order to visit each area. London, Paris, Switzerland//Paris, Switzerland London//Paris, London, Switzerland
I'm fine with booking one way flights to arrive and leave from different locations.
Also when is the best time of year to book these flights? I know they aren't available yet.
Sorry edited to add this question: If P2 gets a Delta Amex can his points be transferred to me?
Thank you for all your suggestions.