October was a pretty dull month for us as far as accumulating points. Jenn signed up for a credit card and I continued to work toward a sign-up bonus but we didn’t manage to earn any sign-up bonuses. Our point value total inched back over the $10K threshold. That $10K threshold is pretty important to me because I believe that is where we can begin to really make good choices about how to spend those points without be subjected to using just one program or a couple of programs. The fact that more than 75% of that is in transferable points means that we really have a lot of different ways to take advantage of a lot of different programs.
Being Gimpy and a Change of Plans
We had booked a hotel in Madison with the expectation of participating in the Madison Marathon, but Jenn and I both had nagging injuries and that meant that we really were having a difficult time keeping our training up. We basically decided to switch our plans to go to Des Moines on the same weekend instead, because if we weren’t going to participate in the Madison Marathon, then I sure as hell was going to avoid the crowds associated with it. Because of that we had a change in hotel, we still used a Marriott certificate, but the second night was booked on points so there was a slight decrease in the cost of the new hotel, so we got about a thousand Bonvoy points back.
Another American Airlines Card
Jenn applied for the American Airlines Aviator Red card from Barclays. It is a personal card that at the time of application was offering a sign up bonus of 60K AAdvantage Miles when the $99 annual fee is paid and 1 purchase is made. An additional 15K AAdvantage Miles are earned when an authorized user makes 1 purchase.
The card earns 1 mile per dollar on everything except American Airlines purchases which earns 2 miles per dollar. It offers a companion ticket (domestic economy flight with $99 fee) if you spend $20,000 on the card in a year. It does offer a free checked bag, 25% off on inflight purchases and an annual $25 wifi credit on American Airlines flights.
None of that is too exciting and I definitely have no intention of spending $20K on a card that earns 1x just to earn a domestic companion ticket. This is a card that is pretty much only good for a quick charge to earn the sign up bonus, although the checked bags, wifi credit and discount on inflight purchases might be a good reason to use it when flying American Airlines. I would imagine that we will be canceling this card before we pay a second annual fee on it.
Costa Rica for Spring Break?
We have normally done spring break trips every year with the exception of last year. This was the first time that we considered flying for Spring Break. Before we got into points and miles, our trips usually involved us driving to the Gulf Coast and renting an Airbnb for a week and then driving back. Those trips generally meant 30 hours round trip in the car and an overpriced Airbnb. This time its a little different with points and we have a lot more options when booking airfare with points.
The problem with this seems to be that a spring break trip is probably going to have to be Tuesday to Tuesday because award tickets prices on the weekend during Spring Break are crazy high. Sorry, I’m not going to spend 80K miles round trip per ticket to go hang out with drunk college students in Cancun. But 30K-40K miles round trip to hang out in the jungle in Costa Rica, and my son misses two days of school? Maybe?
After talking about this with Jenn for a little while, Jenn was looking through Airbnb’s site and found a modern 3 bedroom house in coffee country within an Uber ride from the airport for $75 per night with a 4.99 rating. Nothing else in the area compared on price and quality, so she snatched it up before it disappeared, with the knowledge that its fully cancelable if we can’t make the flights work. I would prefer to book the flights first then the airfare, but with it being fully cancelable, I’m not worried about it.
Anyway, on to the Point Check!
| Card Used | Spend | Points Earned | Point Value | Points Per $ | Return on Spend |
| Chase Ink Cash | $569 | 2,823 | $57.87 | 5.0 | 10.2% |
| US Bank Signature | $504 | 1008 | $10.80 | 2.0 | 2.0% |
| Capital One Venture | $461 | 955 | $17.67 | 2.1 | 3.8% |
| Chase Ink Unlimited | $338 | 507 | $10.39 | 1.5 | 3.1% |
| Wyndham Business Earner | $160 | 1,279 | $26.22 | 8.0 | 8.8% |
| Citi Premier | $176 | 444 | $7.99 | 2.5 | 4.5% |
| Chase Sapphire | $151 | 203 | $2.23 | 1.3 | 2.8% |
| Totals | $2,359 | 7,219 | $122.38 | 3.1 | 5.2% |
So, looking at the chart above, I’m pretty happy. We spent a little less than $2,400 on credit cards where we weren’t trying to get a sign-up bonus and earned 5.2% back on that spending. That’s pretty good, I’ll be happy with any month we can get more than 5% back on non-signup bonus spending. This is a reminder to me to move spending off of the Chase Ink Unlimited and the US Bank Signature, because I’m pretty sure I can do better elsewhere. If I can’t find a bonus category for that spending, it should, at minimum be moved to the Capital One Venture card because it earns 2x on everything and the points are worth 1.85 cents per point, meaning that its a minimum 3.7% back.
Aside from that, I spent almost $2,300 on my Citibusiness AAdvantage Platinum Select Card, earning just shy of 2,500 points. That is a frustratingly low number of points to earn on that kind of spend but it’s okay when I’m trying to earn a sign-up bonus. It is a reminder to never use that card on anything besides with American Airlines, once the spending is completed.
At the end of the month, this leaves us with 285,800 Ultimate Rewards points, 86,400 Capital One Venture miles, 50,600 Marriott Bonvoy points, 27,500 Citi Thank You points, 24,600 United miles, 15,000 Delta Skymiles, 9,000 American Airlines miles, 3,700 Wyndham points and 1,600 Hyatt points as well as $974 in cash back. Using the valuations published by The Points Guy, this is all worth around $10,100.
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