Newby to Expert Traveler

Working Backwards – How To Use Points for Spain

Posted on July 9, 2024December 28, 2025 by David Cox

Once people learn that I save a lot of money on vacations by using miles and points, I often get asked “What credit card should I get?” The fact of the matter is that it depends on the type and location of the vacation. Where you want to go on vacation, when, and what style of vacation matters when deciding which card to choose.

Making a rational decision really matters when you’re making these plans because earning a bunch of points that are irrelevant to your plans can be extremely frustrating and counterproductive. Also, earning points in programs that require you to use more points than other programs means that you’re working harder than necessary to achieve your goals.

What about Spain?

Spain has been on our minds lately. Jenn and I have discussed going to Spain multiple times and we just haven’t pulled the trigger. We’ve discussed doing a beach vacation to the Canary Islands or a city trip to Madrid, but lately we’ve been discussing doing a week of a pilgrimage on the Camino de Santiago de Compostela. It hasn’t worked out for us yet, but those tapas are calling me and I’m going to make it happen at some point.

Economy Flights

I’m an economy flyer. It’s not that I don’t want to fly business or first class, it’s just not that important to me. I really treat flights as a means to an end – just get me there. Look, I’d love to be more comfortable, but right now I’m trying to get a family of four across an ocean, and I don’t really feel like draining my points balances to do it. I’m not saying I won’t fly business or first class in the future, but right now it’s just not something I’m thinking about.

That being said, there are quite a few good options for economy flights to Spain. Using the Daydream Explorer feature by Pointsyeah.com, I see quite a few good choices.

Points Program	Point Range	Typical Tax Range	Notes
Iberia	17,000 to 40,000 one-way	$100-$130	17,000 point is the typical off-peak price. Iberia’s hub is Madrid.
Flying Blue	20,000 to 40,000 one-way	$100-$170	20,000 points is fairly normal, some sales go as low as 11,500 points. Hubs in Amsterdam and Paris.
Virgin Atlantic	12,000 to 40,000 one-way	$170-$180	High fees, but 12,000 points are fairly easy to find, flights are usually KLM, Air France or Delta flights
Avianca Lifemiles	20,000-30,000 one way	$20-$70 (+25 booking fee)	Low fees and reasonable redemption prices. Avianca is usually good for United flights. Not as frequently available as Flying Blue and Iberia.
American Airlines	20,000-35,000 one-way	$5-$25	Low fees and reasonable redemption prices. Some flights that route through London have high taxes.
United Airlines	30,000-40,000 one-way	$5-$15	Low fees and high redemption prices, always check Avianca first before booking a United flight.

Award availability and pricing varies wildly, these prices may not be available when you want to book a flight.

The biggest problem here is that just because pricing for award flights are good and available in certain programs right now doesn’t mean that they will be available and good later. That’s why it is best to have the ability to use points with a variety of programs. Using a credit card with the ability to transfer points to a multiple programs is a good way to help you have the most options when it’s time to redeem those points.

Airline Award Program Transfer Partners

Point Program	Citibank	Chase	Amex	Capital One	Wells Fargo	Bilt
Iberia (Avios)	1:1	1:1	1:1	1:1	1:1	1:1
Flying Blue	1:1	1:1	1:1	1:1	1:1	1:1
Virgin Atlantic	1:1	1:1	1:1	1:1		1:1
Avianca Lifemiles	1:1		1:1	1:1	1:1	1:1
American Airlines
United Airlines		1:1				1:1

Transferring points from Capital One to Iberia Avios requires another step of first transferring points from Capital One to British Airways Avios and then to Iberia Avios. Transferring Citi Thank You Points requires a transfer to Qatar Avios, then to British Airways Avios and then to Iberia Avios.

I prefer to fly non-stop, if at all possible, and Chicago is our closest major airport. Most of the non-stop flights from Chicago to Madrid are on Iberia. That’s going to be my first choice. All major programs transfer to Avios, but Citi and Capital One don’t transfer directly to Iberia Avios, they both require transferring to a different Avios program and then to Iberia. That could create other annoyances that I might not want to deal with.

KLM/Air France Flying Blue is another great option, because they have a lot of flights that leave Chicago and fly to Spain with layovers in either Amsterdam (on KLM) or through Paris (on Air France). Virgin Atlantic and Avianca Lifemiles are great, but for Spain they are mostly booking partner awards, so they won’t be operating any flights to Spain. Their availability is going to be dependent on whether another airline allows them to book their flights. In other words, I would check for availability, but I wouldn’t count on them.

American Airlines sometimes has some amazing prices, but they don’t have any transfer partners so you would need to have an American Airlines card to earn those points. United Airlines usually has fairly expensive award prices, but their taxes are low and availability is good. It’s nice to have United as a backup option.

Hotels in Spain

For most hotel groups, I typically don’t consider transfer partners. The reason for this is because the transfer rates don’t make up for the fact that the points aren’t worth much. Most programs with the exception of Hyatt just aren’t worth transferring points to from one of the major bank programs.

Hotel Loyalty Program Transfer Ratios

	Citibank	Chase	Amex	Capital One	Wells Fargo	Bilt
Hyatt		1:1				1:1
IHG		1:1				1:1
Hilton			1:2
Choice	1:2		1:1	1:1	1:2
Marriott		1:1	1:1			1:1
Wyndham	1:1			1:1

Transfer ratios of points from major bank travel award programs to hotel loyalty programs. For example Citibank transfers 1:2 to Choice Privileges, meaning 1,000 Citi Thank You Points can be converted to 2,000 Choice Privileges points.

If you are looking at a program besides Hyatt, you’ll probably want to get a cobranded hotel credit card if you want to build up free nights and points. The list of those cards and the pros and cons of each of those cards is too exhaustive to get into in this post, but I do think its important to be thinking about those cobranded cards when considering programs other than Hyatt.

The reason why Hyatt is different, is because their points are worth more than other programs. According to the Points Guy, Hyatt points are worth 1.7 cents per point. By contrast, Wyndham is worth 1.1, Marriott Bonvoy is .85, Hilton is .6, Choice is .6 and IHG is .5 cents per point. For example, Chase Ultimate Rewards points transfer to Hyatt, Marriott and IHG at a 1:1 ratio. However, on average, you’ll spend more than three times as many Ultimate reward points booking an IHG hotel than a comparable Hyatt hotel when transferring Ultimate Reward points to those programs.

Hotels in Spanish Tourist Locations

	Madrid	Balearic Islands	Barcelona	Canary Islands
Hyatt	6	35	3	11
IHG	14	5	9	8
Hilton	6	4	5	0
Choice	7	0	9	3
Marriott	23	11	17	6
Wyndham	2	0	0	3

Number of hotels in/near various locations in Spain. Counts are across all brands in a program’s portfolio.

When looking at Spain specifically, the good news is that Hyatt has a lot of hotels in Spain. They especially have a large all-inclusive hotel presence in the Balearic Islands, which is a huge hot spot for Europeans to enjoy a beach vacation. Marriott also has a large number of hotels in Spain. A lot of those are in Barcelona and Madrid, which would make them a good program to use if you were looking for a more urban trip.

Potential Strategies for Earning Points for a Trip to Spain

There are a million different ways to accomplish the goal of earning points and miles to go on a vacation to Spain. I think its helpful here to explain what I would do, and why I would do it in a certain way. It doesn’t necessarily mean that this would be the optimal strategy, but I think it’s indicative of how someone should approach it.

All-Inclusive couple’s beach vacation to Mallorca

There are numerous Hyatt All-Inclusive resorts in Mallorca. Of the ones that showed up on the search that I did, there are a number of Category A resorts (15,000 points normally, 12,000 for off-peak and 18,000 for peak) and the most expensive was the Secrets Mallorca which is a Category D resort (30,000 points normally, 25,000 for off-peak, 35,000 points peak).

The best bets for available flights to Mallorca for a low amount of points is probably going to be Iberia Airlines (Avios) or KLM/Air France (Flying Blue). You can move points from Citibank, Capital One, Chase, American Express, Wells Fargo or Bilt to Iberia or KLM/Air France. This means you have a lot of choices on which credit cards you might want to sign up for.

The good news here, is that there is overlap between acquiring points for Hyatt and acquiring points for those two airline programs. Both Bilt and Chase offer transfers to all of these programs. Bilt never really offers signup bonuses, which is a big negative in this case, but they do allow you to earn points paying for rent, which nobody else allows, so if you are a renter, the Bilt card is a no-brainer. However, regardless of whether the Bilt card makes sense in your case, you’ll still probably want to sign up for a Chase card that allows you to transfer Ultimate Reward points.

In order to unlock the ability to transfer any Ultimate Reward points to partner programs you will need one of these three cards:

Chase Sapphire Preferred ($95 annual fee, 3x on dining, 3x online groceries, 3x on streaming services, 2x on travel)
Chase Sapphire Reserve ($550 annual fee, 3x on dining, 3x travel, $300 annual travel credit, Priority Pass membership)
Ink Business Preferred ($95 annual fee, 3x on shipping, internet, phone, cable and travel)

The typical signup bonuses for these cards are 60,000 each for the Sapphire cards and 100,000 points for the Ink Business Preferred. Once you have signed up and earned the welcome offer bonus you can refer your spouse or significant other and earn a referral bonus while they also earn a signup bonus for themselves. Once you’ve done that, then it’s just a matter of filling in the gaps with either some other cards that earn Ultimate Reward points or by getting cobranded cards. Here are some examples:

Ink Business Cash ($0 annual fee, $750 cash back which can also be used as 75,000 Ultimate Reward points, 5x internet, cable, phone and office supply stores)
Ink Business Unlimited ($0 annual fee, $750 cash back which can be used as 75,000 Ultimate Reward points, 1.5x on everything)
Ink Business Premier ($195 annual fee, $1,000 cash back which can be used as 100,000 Ultimate Reward points, 2x on everything)
World of Hyatt ($95 annual fee, 30,000 Hyatt point bonus, category 1-4 free night certificate each year on anniversary date)
World of Hyatt Business ($199 annual fee, 60,000 Hyatt point bonus, up to $100 off stays each year)
Iberia Airlines card ($95 annual fee, 75,000 Avios bonus)
Air France KLM World Elite Mastercard ($89 annual fee, 50,000 Flying Blue point bonus, 1.5x on everything)

I think it should be feasible to book a vacation like this for around 50,000 points round-trip per person in economy and if you wanted 6 nights in an all-inclusive, it could be another 90,000 to 180,000 points. That would mean the totals here would be 190,000 to 280,000 points. Just doing the minimum spend on two Chase Sapphire Preferred cards, with a referral bonus between spouses or significant others, would probably earn somewhere in the ballpark of 150,000 Ultimate Reward points, so it’s not too hard to pick a card or two that fills in the gaps here.

Family of four to Madrid for Spring Break

For this example, the information about the flights would basically be the same. You’ll probably find that Iberia or Air France/KLM will be the best programs to serve the Madrid Airport. From Chicago, you are likely to be able be able to book those round-trip economy flights for 50,000 points each (probably less if off peak). You would probably need to earn somewhere in the 200,000 point range just for the flights.

Instead of going with Chase as is in the first example, I would probably go with the Capital One Venture Card. Instead of a 60,000 point bonus, the Venture Card comes with a 75,000 point bonus. It also earns 2x on everything and has a 20,000 point referral bonus. Therefore, if you sign up for the Venture Card and refer your significant other and do the minimum spend, you will end up with a combined 186,000 points. An additional $7,000 in spending would get you to 200,000 points. If you need to transfer those points to Iberia, however, you will need to transfer them to British Airways Avios and then from British Airways Avios to Iberia Avios.

As far as lodging is concerned, European hotels typically don’t like to allow people to sleep four to a room so you would probably need to get two rooms. That’s not ideal, not only because it becomes twice the cost to get hotels, but also depending on the age of your kids, your sleeping arrangements might not be what your used to.

Personally, because of the two room problem, I would just get an Airbnb instead of a hotel. However, if you would like to stay at a hotel on points, I would probably be considering Marriott hotels. They have a lot of hotels in the Madrid area. In order to earn points/free nights for the stay I would go for the Marriott Bonvoy Boundless card. Most of the time they offer three free night certificates as a sign up bonus. However, it seems like about once a year they offer five free night certificates, so if you time it right and your significant other also signs up at the same time, you could end up with ten free night certificates, and that would get you five nights of two rooms per night.

Conclusion

For the most part, whenever you want to fly somewhere, looking first at an airline based in that area better is always a good choice. In this case Iberia is a perfect example. It’s hub is in Madrid and they have very good award prices to Madrid. Luckily for the points and miles hobbyist, you can pretty much transfer any of the major bank programs’ points and miles to Iberia Avios. The second best option is Air France/KLM Flying Blue which also transfers from every major program.

This gives an incredible amount of flexibility when deciding which credit cards to use, however, if you are also looking at Hyatt simultaneously, you probably want to go with a Chase credit card because it also transfers to Hyatt. I think Capital One is a better choice for the Family trip to Madrid, even with the extra headache of having to transfer the points through British Airways to Iberia. While I would do an Airbnb in Madrid, if you do actually want to split your family into two rooms at a hotel in Madrid, the Marriott Bonvoy Boundless card can be a great choice for racking up a lot of free nights quickly.

Whenever you are trying to determine the best credit card to sign up for to help out with the cost of vacation, it is always important to think about the desired destination first. Doing a little bit of analysis should help guide you to pick the right credit cards to help you get there. Once you’ve done that, it’s just a matter of executing your plan and enjoying your vacation.

Is Spring Break Cheaper (And Better) in Europe?

Posted on June 23, 2024December 28, 2025 by David Cox

I was having a conversation with some friends about travel when I made an off-handed comment “It’s probably cheaper to travel to Europe during Spring Break than to go to Florida.” As I started to defend my off-handed comment, I started to think, maybe I’m right. Okay, it’s probably not true if you’re paying full price for flights, but if you’re traveling on points, I think it might be absolutely true. As a matter of fact, I think it could be a tremendous savings, in addition to being a much more enjoyable experience.

I’m Kinda Done with Florida

We’ve taken multiple trips to the panhandle of Florida, as well as the coasts of Mississippi and Alabama. These trips were reachable by car in about 15 hours from our house in Iowa. These spots along the Gulf Coast weren’t necessarily my ideal vacation, but it was warm and the beaches are lovely. Frankly, we went there because we could do it in a week and it’s around 70 degrees in March along the Gulf Coast and it’s, I don’t know, negative 50 in Iowa, something like that?

However, everything that is located along the “Redneck Riviera” eventually just begins to look like a Waffle House and a t-shirt shop sitting on white sands. It’s true, Florida has some of the world’s most amazing beaches, but outside of that, I just don’t see the attraction. So whenever I would see the prices of an Airbnb, I would grimace and think, ‘but it’s just Florida’.

The main thing that was keeping us from doing something else was the cost of airfare. This is why we drove, and why we kept picking the Gulf Coast – because it was warm and close. Once we got into points and miles, the calculations changed, because we could fly cheaply. What I quickly realized, was that not only was Florida filled up during Spring Break, but so were vacation destinations in Mexico and the Caribbean.

What if we did something different, like Europe?

Destin Vs Barcelona

We’ve been to Destin, or at least near Destin a couple of times during spring break. It is probably one of the most sought after destinations for spring break and because of that the prices for vacation rentals are extremely high. Spring break is peak season for Destin, but for Barcelona it’s off-peak. Both of these locations are prized tourist destinations, but since Europe doesn’t really celebrate spring break like the US, prices are a bit lower than normal. The cost of the vacation rental makes a huge difference in the analysis here.

In the past, before we started to collect/use points and miles, we would’ve looked at the price of a flight to Barcelona in March and laughed. A quick check on Google Flights shows that we could get our family of four to Barcelona from Chicago for about $2,750 total, which is actually a really good price, but not really what we want to spend for spring break. Even with points and miles, the cost of just the fuel surcharges and taxes on round trip flights for four to Barcelona is over $1,000, but that savings does make it more palatable.

If we used our old method of spring breaking, we would just drive to Destin, which eliminates the need for a rental car, or public transportation pass. The cost, in the example below, is the cost of fuel for approximately 1,000 miles each way and 500 miles while in Destin. Assuming 25 miles per gallon and $3 per gallon for fuel, then the cost of transportation is $300. If we flew to Destin, we would have to rent a car which is $645 (midsized sedan for a week on Expedia), plus $60 for fuel.

I used a $200 budget in Davenport, Iowa (my hometown) as the basis for the cost of groceries in both Destin and Barcelona and compared them to Davenport using Numbeo. According to Numbeo.com, both are less expensive than Davenport for groceries, but Barcelona is considerably cheaper. The cost for meals was calculated as one inexpensive meal for four people daily, using the inexpensive meal price listed on Numbeo for each city. Barcelona was again cheaper for dining out.

The cost for public transportation was the cost of four public transportation passes for the amount of time that we would be in the city. The cost for the flights was determined by a search using Pointsyeah.com.

For the price of the Airbnbs, I picked the timeframe, zoomed the map into the area that I was looking at and filtered by minimum of 3 beds, 2 bathrooms. I then counted the number of available properties and chose the one that was priced at the 25 percentile. I picked the 25th percentile, because I think that accurately reflects “I’m cheap, but I have standards.”

Using this method shows how expensive Florida is during spring break. The 25th percentile property for a week during spring break in Destin was $4,388! Good lord. In Barcelona, which is notoriously expensive for Spain, it was $2,410. When all that gets added up, Barcelona ends up being more than $1,000 cheaper than driving to Destin. That’s kind of crazy, right?

	Driving to Destin	Flying to Destin	Flying to Barcelona
Airfare (Using Points/Miles)	$0	$45 (and 84,000 American Airlines Miles)	$1064 (and 136,000 Avios)
Car Rental	$0	$645	$0
Fuel for Car	$300	$60	$0
Public Transportation	$0	$0	$183
Airbnb rental	$4,388	$4,388	$2,410
Dinners	$504	$504	$452
Groceries	$152	$152	$129
Total	$5,392	$5,842 (&88K AA Miles)	$4,279 (& 136K Avios)

Example is for a family of four renting an Airbnb at the 25th percentile in the area for 6 nights, with 3 bedrooms and 2 bathrooms. Car rental is cheapest midsized sedan using Expedia. Assuming 500 miles of driving while at location and 1,000 miles each way to drive to Destin for driving example. $3 per gallon assumed for price of fuel and 25 mpg fuel efficiency for car. Numbeo.com used for cost of dinners and groceries.

Miami Beach vs Tenerife

One of my complaints about going to the Destin area during spring break was that it’s just not hot enough, so lets pick warmer destinations then Destin and Barcelona and compare Playa de las Americas, on the Island of Tenerife in the Canary Islands, Spain with Miami Beach. Both are major beach destinations and both are pretty warm in March.

Using the same resources (Numbeo for Restaurants and groceries prices, Airbnb website for vacation rental prices and Expedia for midsized car rentals) we see that once again it’s cheaper to go to Europe (using points), in this case the Canary Islands. Again the biggest driver for this is the cost of the vacation rental. Once you are able to shrink the cost of the flights by using points, everything else just is cheaper in the Canary Islands, especially since it’s off-peak.

On top of that, since it is off-peak, you probably won’t be sitting on a crowded beach or struggling to get table at a restaurant for dinner. Considering how much cheaper it is to do a vacation rental in Tenerife, I would argue that it’s competitive even if you had to pay full fare for the flight, and you wouldn’t have to deal with drunk college students at the beach.

	Driving to Miami	Flying to Miami	Flying to Tenerife
Airfare (Using Points/Miles)	$0	$44 (and 82K AA miles)	$1140 (and 196K Avios)
Car Rental	$0	$325	$408
Fuel for Car	$396	$60	$112
Public Transportation	$0	$0	$0
Airbnb rental	$4,276	$4,276	$1,307
Dinners	$700	$700	$336
Groceries	$206	$206	$36
Total	$5,578	$5,611 (& 82K AA Miles)	$3,339 (& 196K Avios)

Example is for a family of four renting an Airbnb at the 25th percentile in the area for 6 nights, with 3 bedrooms and 2 bathrooms. Car rental is cheapest midsized sedan using Expedia. Assuming 500 miles of driving while at location and 1,400 miles each way to drive to Miami Beach for driving example. $3 per gallon assumed for price of fuel and 25 mpg fuel efficiency for car for Florida and a little less than $6 per gallon for Tenerife. Numbeo.com used for cost of dinners and groceries.

Scottsdale Arizona Vs Split Croatia

What about a couple of places that are a little more quirky for spring break? Scottsdale Arizona is an interesting place to visit at that time of year, especially if you’re a baseball fan, because of Cactus League spring training that takes place every year. There is also some pretty good hiking within a reasonable drive.

Split Croatia is becoming a destination that people are starting to wake up to. It’s got great architecture, culture, and food, but it also has a mountainous coastline that dips into the crystal clear waters of the Adriatic sea. It’s an absolutely gorgeous city that I cannot wait to visit someday.

Using the same resources (Numbeo for Restaurants and groceries prices, Airbnb website for vacation rental prices and Expedia for midsized car rentals) it turns out to be much cheaper to go to Split than Scottsdale. Again the main driver is the cost of the Airbnb, with the vacation rental being about a third of the cost in Croatia than in Scottsdale.

	Driving to Scottsdale	Flying to Scottsdale	Flying to Split
Airfare (Using Points/Miles)	$0	$44 (& 68K AA miles)	$899 (& 240,000 Avianca Lifemiles)
Car Rental	$0	$411	$300
Fuel for Car	$420	$60	$120
Public Transportation	$0	$0	$0
Airbnb rental	$4,513	$4,513	$1,556
Dinners	$553	$553	$345
Groceries	$172	$172	$60
Total	$5,658	$5,753 (& 68K AA Miles)	$3,280 (& 240K Lifemiles)

Example is for a family of four renting an Airbnb at the 25th percentile in the area for 6 nights, with 3 bedrooms and 2 bathrooms. Car rental is cheapest midsized sedan using Expedia. Assuming 500 miles of driving while at location and 1,500 miles each way to drive to Scottsdale for driving example. $3 per gallon assumed for price of fuel and 25 mpg fuel efficiency for car in Scottsdale and $6 per gallon in Split. Numbeo.com used for cost of dinners and groceries.

Reality vs Example

The reality is that I’d never pay $4,500 for a week in vacation rental. I probably would’ve looked for a less desirable beach along the coast and found a much simpler place to stay. One of our kids is definitely sleeping on the couch. However, with the examples in Barcelona, Tenerife, and Split Croatia, there wasn’t any compromising. I could literally choose a great location and get a great price for a week in a vacation rental. Why? Because it’s off-peak, Europe doesn’t have a big spring break tradition like the US, and Americans don’t spring break in Europe very often.

Rethinking Spring Break

Spring break is a very important ritual for a lot of Americans, especially those of us who live in the Midwest, where winters are oppressive and people don’t leave their houses for months on end. That’s probably the reason why Florida and other warm destinations in the US get overrun by people just looking to escape the miserable, miserable winter.

However, taking a little time to think outside of the box could result in a vacation that you will remember for a lifetime, and the cost could be surprisingly inexpensive, especially if you are using points and miles. I mean, if you’d rather fight for sand space with a bunch of drunk teenagers in Miami instead of being in the Canary Islands, that’s fine, it’s just not for me anymore.

Points Check May 2024

Posted on June 9, 2024December 28, 2025 by David Cox

May was a pretty big month for us as far as points are concerned. We booked our return trip home from Rome and had a huge bonus hit from American Express. I’m thinking the flights back from Rome might be the last big redemption we have for the rest of the year, so I’m curious to see how our overall points totals increase as the year goes on.

Getting What We Wanted

We have been unbelievably indecisive about coming home from Rome. We will be meeting our friends and Jenn’s parents at Leonardo di Vinci airport in Rome in November and while it was very important that we all arrive at nearly the same time, leaving at the same time was not as important. We kept changing our minds about when we would fly out, and even if we would take a short trip to a different city and then fly home from there.

We finally decided that we were going to fly out of Rome on Sunday, which meant that we are both going to have to work the next day, jetlagged. We didn’t want to complicate things too much by having layovers, so we found a direct flight from United for 37,100 points and $60 a piece. We were able to use United’s new point pooling feature to combine 51,000 of Jenn’s Ultimate Reward points (transferred 1:1 to United) and 23,200 of my United Miles to book the flight.

Keep in mind, there was a Flying Blue award flight available from Rome to Chicago for 22,000 points and about $160 a piece. That’s a lot less points but that flight had a layover and with us having to work the next day, it really seemed worth it to get the non-stop United flight. This is a change for us, because in the past we would take the inconvenience to save points, but as we become more comfortable with our ability to replace those points, it becomes easier to part with them, especially if it will make our trip better.

Big Amex Bonuses Hit

Jenn signed up for the American Express Business Gold card when the sign up bonus was 130,000 points for spending $10,000 in 3 months, which is a hefty spend for us, but it was tax time, and generally we have to send Uncle Sam about $4,000 when we settle up so that made it a little easier. Tax time has a little less sting to it now that we’ve decided to use it as an opportunity to land a big signup bonus. Last year, we signed up for the Capital One Venture card and with one charge to the IRS landed over 83,000 points (75,000 points for the signup and 8,000 for the charge).

Jenn also used her Amex Business Gold card to refer me to the American Express Blue Business Plus which landed her a 20,000 point referral bonus and an additional 10x for dining for 3 months. The additional 10x shows up on the Amex website as a bonus and that was an additional 9,500 points for the month. So for the month, Jenn earned a whopping 159,500 Membership Rewards points from bonuses.

Amex Blue Business Plus

I knew at some point I was going to want the American Express Blue Business plus card. It doesn’t come with a big sexy bonus, in my case it’s 15,000 Membership Rewards points when you spend $3,000 over 3 months. However it’s a no annual fee card that earns 2x on everything, which gives me a way to at least get 2x on purchases in categories that are not in bonus categories.

By timing this with a referral offer from Amex that gave Jenn 20,000 points and an additional 10x on dining, she’s managed to already earn 29,500 membership rewards on this offer, with a couple more months of 10x dining left.

Having a no annual fee American Express card is nice to have since it’s a good way to stash these huge bonuses they offer for cards with large sign up bonuses. I’ll probably talk myself into applying for a Platinum card someday when they offer some ridiculously high sign up bonus but with a $695 annual fee, it’s hard to imagine I’ll keep the card too long. Knowing I can keep the points and drop the card is a pretty nice luxury.

On to the Points Check!

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Wyndham Business Earner	$727	3,856	$42.42	5.3	5.8%
Ink Cash	$683	3,395	$69.60	5.0	10.2%
Venture	$520	1,040	$19.24	2.0	3.7%
Total	$1,930	8,291	$131.25	4.3	6.8%

This month’s spending not devoted to earning a signup bonus

Almost all of our spending not devoted to earning a signup bonus has been reduced to just 3 cards now. Wyndham Business Earner is just for utilities and gas because it’s 5x on utilities and 8x at gas stations. Ink Cash is 5x on streaming services, phone bills (don’t get me started on our phone bill), and internet. We use the Venture card for trips to Costco (they don’t like American Express) and for our insane auto insurance bill. Getting an average return on those purchases of almost 7%? I’ll take it.

Outside of those charges, I spent a little less than $1,400 on my American Express Gold card and earned a little over 4,900 Membership Rewards points. Jenn spent $7,900 on her American Express Gold card and earned around 9,800 Membership Rewards points. That $7,900 sounds like a lot, but we not only ran our taxes through that card, but also our daughter’s taxes. Those tax bills were the lion’s share of that spending. They helped push her over the top on the required $10,000 in spending in 3 months necessary to earn the massive 130,000 point bonus, add to that a 20,000 point referral bonus and the 9,500 points from the 10x dining referral bonus and she hauled in a massive 169,000 membership reward points last month.

This left us with 230,300 Chase Ultimate Rewards points, 184,500 Amex Membership Rewards points, 78,600 Capital One Venture miles, 71,400 American Airlines miles, 38,900 Citi Thank You points, 34,800 Marriott Bonvoy points, 30,300 Wyndham points,10,300 Hyatt points, 5,100 Delta Skymiles, and 1,900 United miles as well as $790 in cash back. If you use the Points Guy’s valuations, the total value of all of those points and miles is almost $13,500

Great Places to Eat and Drink While in Grecia Costa Rica

Posted on May 28, 2024 by David Cox

Grecia is centered around the big metal church in the center of town called Iglesia de Nuestra Señora de las Mercedes.

We spent about a week in Grecia, a community with a population of about 15,000 residents, located in the Central Valley of Costa Rica. Of the places where we ate and drank, there were a few that stood out in our minds that are worth a visit while in town.

There were some places that we didn’t care for so I won’t mention those, but there were a few that we really enjoyed and I thought I’d share them here, in case you find yourself in the Grecia area.

El Chante Gastrobus

El Chante Gastrobus is a funky restaurant with a couple of school busses that form the side walls of a pavilion. One of the busses is used as the kitchen while another has diner style tables where the seats used to be.

There is art everywhere at El Chante with murals on the busses as well as tables made out of what appear to be a variety of reclaimed materials, including a bus door.

My impression of the food was that it was pretty good, not fantastic. I ordered a dish that had french fries, queso, pulled pork and toppings.

The beer selection had pretty much all of the typical Costa Rican staples such as Imperial, Pilsen, and Bavaria. They also had some other fairly normal international favorites like Corona, Stella Artois, and Heineken. There was a good selection of mixed drinks. This place seems like a perfect place to stop and have a few drinks and maybe a snack. It’s a pretty fun place to hang out.

Table made out of two barrels and a bus door

As a bonus for El Chante Gastrobus, it is located basically in a huge parking lot. Parking can be difficult to find in Grecia, and I appreciated being able to park my car easily and walk in. There was a small charge, maybe $2-$3, which is pretty standard in Grecia.

Los Jardines Vivero y Cafe

We saw this restaurant while driving by it one day and said that we had to stop in there. It turned out to be a great decision. This is just a great restaurant that serves traditional Costa Rican food in a really fun atmosphere.

We came in for lunch and everyone ordered Casado which is a Costa Rican combo meal traditionally served for lunch. They are various combinations at different restaurants but here it came with rice, beans, plantains, a mini-salad, and your choice of protein. They also gave us iced tea and ice cream with the meal.

We had Casado a few times while in Costa Rica and this was our favorite. I thought everything was extremely well done and the plantains were perfect.

Los Jardines has a lot of antiques and little gardens scattered around the restaurant. It makes you want to walk around and get a look at all of the little touches that they have set up throughout the restaurant. We even sat at a table where all of the seats were swings. It was just a nice, fun place to have a meal.

I have read a lot of reviews talking about how busy it gets there, and I will say it was almost empty for lunch, so that might be a great time to check it out. The food was great, the atmosphere was fun and the prices were pretty reasonable. Definitely worth a visit.

Vuelta al Mundo

In downtown Grecia, across the street from Grecia Park is Vuelta al Mundo. It’s located inside Mangifera Hostel. Its tucked in the back of the building in an open area. Its menu consists of dishes from around the world.

This is a great place to go if you have a group of people arguing about where to go for dinner. We had gyros, pasta carbonara, and a kebab wrap, but there were also dishes on the menu from China, Uruguay, Costa Rica etc. We also had an appetizer called Bitterballen which is some kind of fried breaded meat balls from the Netherlands.

They also had a good selection of local beer as well as some interesting European selections.

It’s difficult to be able to cook a variety of international foods effectively, but I think they handle it well. It was a also a comfortable and interesting dining area and the service was very good. It’s definitely a great stop if you’re hanging out by the park or the main church.

Menu of available juices at Vuelta Al Mundo

La 33

North of Grecia on Calle Brenes there is a local favorite called La 33. How do I know this was a local favorite? Because the entire time we were there there was a parade of delivery drivers and pickup orders coming and going. This is a small and very busy restaurant.

The dining room was full and we were lucky enough to get a table as someone was leaving. The prices were very inexpensive and the food was well prepared. Jenn and Alex got Tacos Birria and I got Taco con Papa.

Jenn said the Tacos Birria were the best she’d ever had. I will say I didn’t care for the Taco con Papa, but in all fairness I didn’t expect to, even though it was well made.

I had heard of Costa Rica’s take on tacos and I wanted to try it even though I was suspicious. The taco itself is shredded beef wrapped in a tortilla and fried to a golden brown. It’s then served with French fries. Sounds delicious, right? Then they add a side of shredded cabbage (I might have gone with lettuce, but ok). Lastly, they top all of this with lots of ketchup and mayonnaise.

I tried the taco thinking that maybe I was missing something, but no, I just don’t think mayonnaise and ketchup belong on that. I mean if it was sour cream and hot sauce it would’ve been amazing. Anyway if that sounds good to you, you should definitely try it.

Beer Designers

There are a handful of craft brewers in the area including Cerveceria San Roque and Beer Designers. However, as far as I can tell, if you want to visit a brewery near Grecia, it has to be Beer Designers and it has to be on Saturday night.

The production area has a beautiful view of the valley between the ridges where Calle Brenes and Calle San Roque are.

Since we love going to breweries and the only available one was Beer Designers on Saturday, that’s where we went on Saturday night.

We got a chance to try a couple of IPAs which were both very good. Jenn really liked their Dorado Dragon which is an IPA with dragon fruit.

For me, the standout was Lobejo which is an American stout. It’s a was rich and flavorful. Overall it’s just a great example of an American Stout. I consider myself to be a bit of a beer snob, and that was easily one of my favorite stouts, and I’ve tried alot of them.

We had a chance to talk to the brewer and a couple of the locals while we were there. It seemed like the word hadn’t gotten out on them yet because while they definitely had quite a few regulars, they weren’t that busy. The quality of their beers wasn’t matching the amount of business that in my opinion they should be getting.

A great bonus for Beer Designers is that it is right next door to La 33, which I mentioned earlier as a great place to get takeout. I don’t know if it’s okay if you bring it over and eat it at Beer Designers but I think I would at least ask if I could, because that would make for a great combination.

Cuisine in Grecia Costa Rica

There are actually quite a few great options for eating in the area around Grecia Costa Rica. We obviously weren’t able to visit all of them in less than a week. For the best dine-in experience I would go with Los Jardines Vivero y Cafe. If you just want an inexpensive and delicious authentic Costa Rican experience, I think La 33 is great. For just a nice comfortable hang out I would definitely think El Chante Gastrobus or Vuelta al Mundo and if you like craft beer, check out Beer Designers on Saturday night.

There are also at least two ice cream shops around the park and I would highly recommend going to at least one Costa Rican soda while you are in town. “Sodas” are just small mom and pop shops that sell inexpensive authentic Costa Rican food.

There is a pretty impressive amount of good food options in the Grecia area even though doesn’t have a huge population. A lot of people head to this area for because the weather is beautiful, the people are lovely and frankly the Airbnbs are pretty cheap. If you are thinking about heading to Grecia for those reasons, you definitely won’t be short on food options.

Wells Fargo Launches Another Great Credit Card with Signify Business Cash

Posted on May 27, 2024December 28, 2025 by David Cox

For years, Wells Fargo has been a boring bank for travel hackers. However, in the last year or so, Wells Fargo has been put the travel rewards industry on notice that they intend to compete for business in the points and miles space.

The difference is that they have added some transfer partners for their credit cards. This allows for users to redeem their rewards for value that is better than the normal cash back rate. They are also adding new credit cards to their lineup.

Why Choose the Signify Business Cash Card

There are 3 good reasons to choose the Signify Business Cash card:

$0 Annual Fee
2% Cash Back
$500 Signup offer

These are all pretty boring reasons, but they are important if you are planning to maximize return on your spending. 2% cash back seems pretty boring in the points and miles world, but it’s important because it allows you to get at least 2% in categories where there are no bonus categories. This is especially true if you have a business that has to purchase supplies or parts.

Having a 2% base is especially nice if you can use a different card for purchases in other bonus categories. For example, if you also had the Wells Fargo Autograph card, you could earn 3% on gas, groceries, transit, streaming services, and phone plans. Simply pairing these two cards, could allow you to get 3% on a lot of your expenses while earning 2% on everything else.

Also, having no annual fee allows you to not use it when you want and not worry about getting the most out of the card. If you decide you want to put it aside while you work on a new credit card signup bonus, you’re not going to worry that you’re getting your money’s worth on an annual fee. In that way, a 2% card with no annual fee becomes a solid, dependable card that you can use when you want and shove it to the back of your wallet when you don’t need it.

$500 Signup Bonus

The Signify Business Cash card is currently offering a $500 signup bonus when you spend $5,000 in the first 3 months. That’s a very strong signup bonus for a card with no annual fee. The best comparison to this card, in my opinion is the American Express Blue Business Cash card that earns 2% cash back, has no annual fee and is offering a $250 statement credit on $3,000 in spending in 3 months.

It’s Not Just a Cash Back Card – There are Transfer Partners!

This is where things get a little in the weeds. By itself, the Signify Business Cash card is strictly a 2% cash back card. However, as Frequent Miler points out in their review of the Signify card, if you have either the Wells Fargo Autograph card or the Wells Fargo Autograph Journey card along with the Signify card, you can convert the cash back to Wells Fargo Reward points at 1 cent per point.

This allows you to access Wells Fargo Transfer partners, including:

Aer Lingus Avios
British Airways Avios
Iberia Avios
Qatar Privilege Avios
Air France Flying Blue
KLM Flying Blue
Avianca Lifemiles
Choice Privileges

Having these transfer partners means that you can take advantage of some of the great deals these programs have. For example, if you wanted to fly round trip from Chicago to Madrid in March 2025, the cost of that flight, in economy, using Avios, is 34,000 Avios and $228.70 (that’s not a flash sale – it’s normal off-peak pricing using Iberia Avios). In terms of the Signify card, that is essentially $340 in cash back transferred to Wells Fargo Rewards points then to Iberia Avios and $228.70. So essentially for $568.70 in cash back, you can fly to Madrid and back. That’s a really good deal, especially if you factor in the $500 signup bonus.

These transfer partners make the Wells Fargo Signify card much stronger than just a 2% cash back card. The Points Guy values Wells Fargo Reward points at 1.6 cents per point, meaning if you use the cash back from the Signify card as points, you are really earning 3.2% back as travel rewards. That’s pretty good.

Wells Fargo Active Cash is the Personal Version of Signify Cash

The Wells Fargo Active Cash card is essentially the same thing as the Signify Cash card, except that it’s a personal card. It is a 2% cash back everywhere card with no annual fee. Like the Signify card you can pool your rewards together with an Autograph or Autograph Journey Card and accumulate all of the rewards as Wells Fargo Reward points and transfer those points to their transfer partners.

The main differences here is that the Active Cash is a personal card and that the signup bonus is much lower ($200 for spending $500 in 3 months)

I expect this to Get Even Better Over Time

The transfer partners that Wells Fargo have chosen to work with initially are really good choices, but it’s a pretty limited list. Flying Blue, Avios, and Avianca Lifemiles are all really good programs that cover a lot of needs for travelers on points and miles. However, that’s a pretty short list and I imagine that Wells Fargo is trying to add more transfer partners.

As I pointed out in a previous post when Wells Fargo announced they would have transfer partners, but before they announced who the partners would be, Wells Fargo is associated with the Bilt Card, and Bilt has probably the best list of transfer partners in the points and miles space. It took a while for Bilt to build out their impressive list of transfer partners, and if Wells Fargo follows suit, this could become a very valuable transferrable points currency.

There are a few, like Air Canada Aeroplan and Emirates Skyward, that I think would be pretty easy for them to add. Some others, such as Alaska Air or American Airlines, would be amazing but I wouldn’t count on it. I would also love to see them add Hyatt, but I don’t think they will, although I would expect them to add at least one more hotel chain.

Wells Fargo Rewards Keeps Getting Better

Anything that Wells Fargo can add to their transfer partner list at this point will make Wells Fargo Reward points more valuable, and by extension, Wells Fargo credit cards. The Wells Fargo Autograph and the Wells Fargo Autograph Journey are already cards that do a great job of earning points with some really strong bonus categories.

Wells Fargo seems intent on making some cards that really appeal to the points and miles community. It looks like they definitely want to start aggressively taking some business away from Chase, American Express, Capital One and Citibank. With that in mind, and the fact that they’ve been offering transfer partners for less than a year, I expect that Wells Fargo will add new credit card offerings, and new transfer partners over time. This is absolutely a bank to keep your eyes on.

Manufacturing a Big Signup Bonus on the Amex Blue Business Plus

Posted on May 14, 2024December 28, 2025 by David Cox

The American Express Blue Business Plus is a somewhat boring, but great all around credit card. It doesn’t come with a big, flashy signup bonus. However, every once in a while, American Express puts out referral bonuses that can make the signup bonus pretty sweet. A recent referral offer from American Express gave us the opportunity to get this must-have credit card and still get a decent bonus.

Why Choose the Amex Blue Business Plus

There main reasons for why the Blue Business Plus is a great option for a business credit card are:

No Annual Fee
2x on all spending up to $50,000 in spending per year
Earns Membership Reward points that are transferable to 18 airline program and 3 hotel program partners

2x Membership Rewards points per dollar on all spending is great for a no annual fee card. If you are someone who uses multiple credit cards and take advantage of bonus categories to get 5x or 3x on your spending, you notice pretty quickly that not all spending will fall into a bonus category. Having a 2x card that acts as the lowest you earn can be very valuable, especially if you spend a lot in non-bonus categories.

Also, if you like to take advantage of big Amex signup bonus offers on their Gold and Platinum cards, but don’t want to pay the big annual fees for eternity, having the Blue Business Plus card gives you a no annual fee option that allows you to keep those points you earned on those big signup bonuses. This allows you to keep those points and cancel those credit cards. Keep in mind, cancelling an American Express card within 12 months from the date it was issued can cause them to take back the points.

Membership Rewards Transfer Partners

Program	Type	Transfer Rate
Aer Lingus	Airline	1 MR to 1 Avios
AeroMexico	Airline	1 MR to 1.6 AeroMexico Reward Points
Air Canada Aeroplan	Airline	1 MR to 1 Aeroplan Point
ANA Mileage Club	Airline	1 MR to 1 ANA Mile
Avianca Lifemiles	Airline	1 MR to 1 Lifemile
British Airways	Airline	1 MR to 1 Avios
Cathay Pacific	Airline	1 MR to 1 Asia Mile
Delta Skymiles	Airlines	1 MR to 1 Skymile
Emirates Skywards	Airlines	1 MR to 1 Skyward Mile
Etihad Guest	Airlines	1 MR to 1 Etihad Guest Mile
Flying Blue (Air France/KLM)	Airlines	1 MR to 1 Flying Blue Mile
Hawaiian Miles	Airlines	1 MR to 1 Hawaiian Mile
Iberia Plus	Airlines	1 MR to 1 Avios
JetBlue True Blue	Airlines	5 MR to 4 TrueBlue Points
Quantas Frequent Flyer	Airlines	1 MR to 1 Quantas Point
Qatar Airways Privilege Club	Airlines	1 MR to 1 Avios
Singapore Krisflyer	Airlines	1 MR to 1 KrisFlyer Miles
Virgin Atlantic Flying Club	Airlines	1 MR to 1 Virgin Point
Choice Privileges	Hotel	1 MR to 1 Choice Privilege
Hilton Honors	Hotels	1 MR to 2 Hilton Honors Points
Marriott Bonvoy	Hotels	1 MR to 1 Bonvoy Points

What makes Membership Rewards points so valuable is being able to take advantage of deals in any of these programs. For example, Flying Blue frequently offers flights from major US cities to Europe for 20,000 points (and around $150 taxes/surcharges) one-way in economy or 50,000 points (and around $250 taxes/surcharges) one-way in business class.

In addition, Virgin Voyages often offers points redemptions on cruises. Recently, they were offering a cruise for 120,000 points per cabin (1 or 2 people) for a seven night Mediterranean cruise leaving from Barcelona with stops in places like Ibiza, Mallorca, and Marseille. Simultaneously, there was also a 30% transfer bonus to Virgin from American Express which means that cruise could have been booked for around 93,000 Membership Rewards points.

Being able to pick and choose between programs when they are running specials is what makes flexible award currencies, such as Membership Rewards so incredibly valuable.

A Place to Keep Your Membership Rewards

American Express offers some monster signup bonuses on their cards. Recently, as Travel On Points pointed out, they offered a 300,000 point signup bonus on their Business Platinum card. That’s just enormous, with that bonus being worth $6,000.

However, the Business Platinum Card has an annual fee of $695. While there are definitely great ways of getting $700 worth of value on that card by using the credits and benefits on that card, eventually you might decide you want to dump the card to avoid that annual fee. By having the Blue Business Plus, you can keep the points you earned on your Business Platinum card in your account without having to pay an annual fee.

But the Signup Bonus for the Blue Business Plus is so Tiny

I have definitely gotten spoiled with signup offers that seem to always be north of 60,000 points. However, I knew if I was going to be trying to get big offers from American Express, I would want the Blue Business Plus in order to house those points. Unfortunately, they almost always offer 15,000 Membership Rewards points on a spend of $3,000 in 3 months – that’s just not exciting.

However, earlier this year, Jenn was given a very enticing offer from American Express. She signed up for the Business Gold card on an inflated 130,000 point offer. Since she was a Business Gold card holder, they offered her a 20,000 point referral bonus as well as 3 months of an additional 10x on dining.

Normally, credit card companies only offer referral bonuses on the same card that the cardholder has, but American Express offers referral bonuses that work if the invitee is approved for other American Express cards as well. This means that Jenn could get a referral bonus on her Business Gold card even though I was getting the Blue Business Plus.

The 20,000 point referral bonus wasn’t that unusual, but the extra 10x on dining was very interesting. Her Business Gold card already earns 4x on dining, which means that for 3 months, she will be earning 14x on every dollar spent on dining.

We don’t eat out that often, maybe a couple of times a month, but we do spend a decent amount of time at breweries. I mean, enough that most of the bartenders we see know us by name. Hey, we like beer. Anyway, breweries code as dining, so those are 14x when using her Business Gold card for the next 3 months.

All in all, lets say that over the next 3 months we spend $2,000 on dining. With the extra 10x, that is 20,000 Membership Reward Points. If you add the 20,000 point referral and the 15,000 point signup, that makes the total signup bonus 55,000 Membership Reward points. That’s pretty good for a no annual fee card, especially one with 2x transferable points on all spending.

Benefits of Working with Someone Else

This is a great example of the importance of working with someone else when earning points and miles. Experienced points and miles hobbyists refer to this as “2-player mode”. Being able to consistently refer a spouse, friend or family member, means that both of you can amass a larger amount of points that you can as an individual. This also means that you shouldn’t be an authorized user on your Player 2’s accounts.

In this case, if I was signing up for this card by myself, I would have earned a 15,000 point bonus. Since we are working in 2-player mode, Jenn will earn around 40,000 points in addition to the points that I’ve earned.

The American Express Blue Business Plus is one of those no-brainer credit cards that should be in your wallet. With 2x Membership Rewards points on all spending up to $50,000 per year and no annual fee, it’s a great card to keep around even if you don’t use it often. American Express has a tendency to give great referral bonuses from time to time, so if you can take advantage of those referral bonuses to bump up that sign up bonus, you should absolutely do so. This is one of those cards that you should have, but be patient to see if you can manufacture an elevated bonus.

Points Check April 2024

Posted on May 5, 2024July 11, 2024 by David Cox

April had us recovering from our trip to Costa Rica, and had us planning a camping trip to Canada. Believe it or not, I’m 49 years old, love travel, live only a few hundred miles from the Canadian border and I’ve actually never been there. I don’t exactly know why, maybe I was thinking that it’s just a slightly more polite America with weird ideas about french fries. Anyway, it’s about time we hitched up the camper and found out what Canada is all aboot.

We found a little campground in a park on Lake Ontario in Hamilton, Ontario where I booked a week with full RV hookups for about $300 in July, which seems like a pretty good deal. Hamilton is a nice halfway point between Toronto and Niagara Falls. It seems like a really great place to relax as well as visit both of those places. Can’t wait to try all of those exotic, um, donuts?

Patience Pays Off (A Little)

I have a friend getting married in Montana in June. I’m meeting a group of my high school friends there, but booking an award flight there is less than ideal. The biggest reason for this is that in order to book award flights without using a ton of points, you want to be flexible with both dates and location. Obviously, for a wedding I couldn’t be flexible with either of those things since apparently I can’t get them to adjust the date and location for me.

The other reason was that I was going to be flying from a small airport to a small airport. This was definitely going to be challenging to book for a reasonable number of points. The first day I started to look, booking round-trip was going to cost about 70,000 miles. For the most part, the only options were going to be American Airlines miles or United Miles.

Generally this is the kind of redemption that is going to be better on American Airlines, because they don’t seem to punish you for flying from a small airport as much as United does. And as it turns out, this was the case here as well. I was able to book the flight home on Tuesday for 23,000 miles. After struggling to find a good deal on the flight out and waiting a few weeks, I was able to book the flight out on Friday for 22,000 miles, when American dropped the price by about 20,000 miles.

The cash price for this flight was a little over $600 so I managed to get 1.3 cents per point value for this flight, which isn’t great (The Points Guy values AA miles at 1.6 cents per point), but given then fact that I had no flexibility, I’m not mad about it.

Both of these flights are fully cancelable, so I will continue to check to see if I can find a cheaper alternate. There really isn’t any punishment for rebooking at a lower price, so if I can save a few points, why not?

Jenn Hit Her Business Connect Signup Bonus

Jenn hit the signup bonus on her US Bank Business Altitude Connect card and earned the $600 bonus. She earned an additional $100 over the time when she was reaching her spending requirement which was $6,000 over 6 months. This means she earned over 10 cents per dollar spent, which is pretty good.

On to the points Check!

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Capital One Venture	$688	1,377	$25.47	2.0	3.7%
Ink Cash	$529	2,626	$53.83	5.0	10.2%
Wyndham Business Earner	$265	1,326	$14.59	5.0	5.5%
Marriott Bonvoy	$238	910	$7.64	3.8	3.2%
Total	$1,720	6,239	$101.54	3.6	5.9%

This month’s spending not devoted to earning a signup bonus

Aside from the spending in the above chart. Jenn spent $725 dollars on her US Bank Business Altitude Connect card and earned $10 cash back plus the $600 signup bonus. Jenn also spent $2,300 on her Amex Gold Business Card, most of which went to the purchase of a viola for our son, after renting one for something like 8 years. Maybe we should have done that sooner. She earned over 2,600 Membership Rewards points for those purchases. I spent under $1,700 on my American Express Gold card earning 5,800 Membership Rewards points. We also earned 15,000 Chase Ultimate Reward points on a referral bonus.

After redeeming 45,000 American Airlines miles for my flight to Montana, we are left with 277,900 Ultimate Rewards points, 80,200 American Airlines miles, 77,600 Capital One miles, 38,800 Citi Thank You points, 34,900 Marriott Bonvoy points, 25,000 United Airlines miles, 11,400 Wyndham points, 10,400 American Express Membership Rewards points, 6,900 Hyatt points, 5,100 Delta Skymiles and $790 in cash back. Using the valuations from the Points Guy, the total value of our points, miles and cash back is over $10,800.

Hacienda Alsacia Coffee Farm

Posted on April 22, 2024 by David Cox

Hacienda Alcascia coffee farm is the only coffee farm in the world owned by Starbucks. Its a beautiful farm located on the southern slope of Poas Volcano about a 30 minute drive north of San Jose Airport in the Alajuela province of Costa Rica. Besides being an operating coffee farm, they also offer tours and have a gift shop and cafe.

Classic truck between parking lot and cafe

When we decided to go to Costa Rica, and knowing that we had an Airbnb in a major coffee producing region of Costa Rica, we knew that we would want to visit a coffee farm at some point. Since I personally drink about 2 gallons of coffee a day, I thought visiting a farm would be nice.

Wall art showing coffee growing regions of Costa Rica

I looked at quite a few local coffee tours, but Jenn found out that there was a Starbucks farm near where we were staying and suggested that. I was a little snarky about it, saying “Oh great, we’re going to go to Costa Rica to visit Starbucks. I mean, they’re so hard to find in the US.” In retrospect though, Jenn was right. This place was spectacular and if you’re anywhere near this, its an absolute must visit.

Coffee Bean Sacks on display near entrance

Starbucks History

A massive sliding door on the backside of the cafe has a sketch of the first Starbucks in Pike Place Market Seattle

Starbucks was formed in 1971 at Pikes Place market in Seattle. Since that time they have grown to over 35,000 stores worldwide. In my mind, Starbucks is largely responsible for getting Americans to drink flavorful coffee again. I can remember a time when Americans would only drink coffee flavored water produced by Maxwell House, Folgers or even Sanka. In the same way that the Boston Beer Company paved the way for microbrewers, Starbucks created a market for so many coffee shops and roasters in the US. My taste buds definitely thank Starbucks for that.

We’ve been to the Starbucks Reserve Roastery in Chicago, which I would recommend if you are in Chicago. It is one of 6 reserve locations throughout the world. While the Hacienda Alsacia farm is not one of these reserve locations, it has a very similar feel. The architecture is modern and clean. There is art everywhere you look and everything is meant to enhance the experience with your cup of coffee.

The Cafe and Gift Shop

They chose a phenomenal location for the coffee shop and gift shop. It is perched on a what is essentially the southern slope of Poas Volcano, with the building cantilevered over the slope. There is a huge bank of folding glass doors that when opened completely expose the cafe to an amazing view. That viewpoint is perfectly centered over a valley between two ridges. Adding to the amazing view is a waterfall coming off the ridge on the right hand side.

A large square shaped bar area is in the center of the cafe area, with a variety of baked goods on display. There is quite a variety of seating areas in the cafe, nicely spaced out. The seats that were in the highest demand, of course were along the railing which overlooks the valley.

Waterfall on right hand side when looking out of the cafe.

On top of the amazing views, that the building is located at an elevation that in Costa Rica virtually guarantees pleasant temperatures. We were there on a crystal clear day, but I would imagine that fog probably isn’t uncommon in this area. Either way, I would imagine the sliding wall of glass doors is probably open most of the time.

We sat down in an area with couches near the railing. I ordered a pour over coffee, which I assumed meant a drip coffee, which it apparently isn’t. Pour over coffee is when they put the coffee grounds into some sort of filter and then pour hot water over it. I’m still not sure how this is different from a drip machine, but apparently I’m a knuckle-dragging moron when it comes to coffee.

There is a microroaster in the gift shop which both produces the coffee beans in the gift shop but also is used to demonstrate the roasting process for the tours.

Either way, what I got, after a painfully long wait (I need my caffeine!), was probably the smoothest cup of coffee I’ve ever drank. I normally use creamer, but they gave me a little bit of cream and some sugar, which I used at first. However, this coffee was so good that eventually, after I ordered a second pour over, I just drank it black.

I don’t know if it was the Costa Rican beans, the pour over method, or the roast itself, but that was probably the best regular cup of coffee I’ve ever had.

The Grounds of the Farm

After we had our fill of coffee and snacks, we decided to walk around the property a little bit. There is a decent amount of the property that they allow guests to roam, even without paying for the tour.

There is a building behind the cafe that is used to process the coffee fruit into coffee beans.

If you continue walking toward the back of the property there is a tree nursery.

There is patio area in the back that allows you to get a really great view of the cafe as well as great views of the valley.

Much of the displayed art at Hacienda Alsacia are tributes to the farmers of the region.

Starbucks Hacienda Alsacia Farm Tour

Hacienda Alsacia offers a tour at the facility. It takes about an hour and a half to complete and costs $30 for an adult, $25 for students and $25 for seniors. Children under 6 years old are free.

The tour covers their tree nursery as well as their processing areas and the microroaster. We chose not to do the tour. Without the tour you actually can see a lot of the areas that are covered in the tour, but I imagine that you would get a much better understanding of the history and the process of making coffee by doing the tour. Two Weeks in Costa Rica has a very well written post about this tour if you are looking for more information.

Other Considerations

If you are planning to come to Hacienda Alsacia, I would recommend pairing it with either a visit to the Poas Volcano National Park, or to La Paz Waterfall Gardens Nature Park. Both of those parks are still a half hour drive from Hacienda Alsacia, but by Costa Rican standards, that’s actually a pretty quick drive.

If you take the tour, you’ll probably be there for 2 to 2 1/2 hours, assuming you’ll stay for a coffee and visit the gift shop. If you’re not doing the tour, it’ll probably be an hour to an hour and a half so keep that in mind.

There is plenty of parking, with a paved lot on site and a gravel overflow lot across the road. and parking is free.

We had a great time at Hacienda Alsacia. The views are amazing and the coffee is delicious. They did an absolutely fantastic job creating an experience for coffee fans to enjoy a cup of coffee while learning something about the process of making this magical drink. I would highly recommend a visit.

Visiting the Breathtaking Blue Falls of Costa Rica

Posted on April 14, 2024April 18, 2024 by David Cox

The Blue Falls of Costa Rica are a group of seven gorgeous waterfalls set on a tributary to Rio Toro. The river is fed by runoff from the northwest slope of Poas Volcano and is a seemingly unnatural shade of blue due to a high concentration of aluminum sulfate. This aquamarine colored water flowing over rocky terrain makes for an unbelievable landscape of pools, waterfalls and rapids.

There is a tour company that maintains the Blue Falls as well as Catarata Del Toro, which is another waterfall on the same property, but it is on Rio Toro, not on the tributary where the Blue Falls are located. They take admission for both attractions and have a station where you can pay, use the restrooms and potentially get some food, although the snack bar was not open the day we were there.

When we arrived at the visitor center, we were greeted by a gentleman who asked us whether we would be doing Catarata Del Toro, the Blue Falls or both. We paid for the Blue Falls, and he gave us our wristbands for entrance and instructions to go back to our cars and drive up the road a bit and park in a different lot and enter there.

The first river crossing is literally a few inches wide. Only 2 people are allowed on this bridge at a time.

The crazy thing about this gentleman was that, while we were standing there, he also was giving instructions to other hikers and I’m not 100% sure, but it sounded like to one group of hikers he spoke in Dutch (maybe German) and another in French while he was talking to us in pretty flawless English. I’m pretty sure he probably speaks Spanish as well, but the fact that he was just switching back and forth between languages that quickly was amazing to me. I asked him how many languages he knew, and he just responded humbly with “oh, a couple”.

This was early along the road, as you continue to walk the rocks have been moved into the center of the road to operate more like a sidewalk.

We moved the car to the parking lot by the Blue Falls entrance and began our hike. There is a dirt road to follow for the first half to three quarters of a mile. The dirt road had basically turned to mud, which I’m sure is the case a lot of the time. There was a row of stones in the center where most people walk to avoid the mud.

Little “sidewalk” like rock formation to help hikers stay out of the mud

At the end of the road, we came across some signs pointing to where to find the falls. Three trails to the left – La Pintada, La Turquesa and La Celestial, and three trails to the right – Poza Azul, Las Gemelas, and Tepezquintle. Las Gemeles is one trail with two waterfalls.

La Celestial Waterfall

Makeshift stairs on the trail to La Celestial

We decided to visit La Celestial first. Once we started to hike down the actual trail to La Celestial, the trail became more like forest stairs for lack of a better term. The trail has been altered to be more like steps. As wet as this area is, I assume that without the steps it would be incredibly slippery.

There are metal stairs on the trails where the trail would be too dangerous without them.

There were other sections that had some makeshift metal stairs and railings. As we got closer to the falls, the steps made way to boulders. As we descended down the trail, the sound of the waterfall grew in intensity until finally the waterfall appeared in view.

La Celestial waterfall taken from the end of the trail

La Celestial is fairly wide with quite a bit of water coming over it. It’s probably about 30 feet tall and has a bit of a pool under the waterfall. I don’t know how deep the pool is because, I didn’t get more than about waist deep there.

The water is fairly cold, which wasn’t unexpected, since it is running off of a mountain, but it’s not so cold as to want to avoid it completely.

A group of rocks about 50 to 100 feet from the falls creates a pool under and near the falls which you can swim in.

We hung out there for about 15 minutes enjoying the waterfall and the cold water and then decided to go back to the trail to head over to our second waterfall, La Turquesa

La Turquesa

The trail down to La Turquesa seemed much easier than the trail down to La Celestial. There still was quite a bit of steps on the way down, however, once we reached the river, we came across a metal structure with a ladder. There was a guide there to greet us.

A fairly typical trail at Blue Falls. It’s been altered to be more like steps,

In order to get to La Turquesa, you have to cross the river. The guide showed us the right place to cross and helped us through some of the more treacherous parts of the trail, which at this point mostly consisted of stepping on wet slippery rocks.

Guide helping Jenn across the river on the trail to La Turquesa

There is a fairly brisk section of rapids that we needed to climb over to that was the last main obstacle to getting to the falls. In this section, we had to climb over a boulder to get there. The guide was very helpful in making sure that none of us slipped on the boulder.

You need to climb over this boulder to get to La Turquesa.

The reward for this hike is a probably one of the shorter falls here, but it has a really nice pool area where you can kind of relax a little and swim, if you can stand the cold water. I got in up to my neck, but Alex actually dunked his head. Emma bet him $5 he wouldn’t do it.

This was a really calm and relaxing area to hang out in. We stayed for a little while and then decided to head back to the trail and go down one last trail.

Las Gemelas

We headed back up to the main trail, and we knew that we probably only had one more trail left in us. The hiking at the Blue Falls is somewhat challenging and some fatigue was beginning to set in. Jenn suggested we see Las Gemelas (The Twins). It was a great choice.

A metal bridge over the river at La Gemelas

Once we got down to the river from the main trail, we were greeted by a narrow metal bridge.

Once you crossed that, the trail mostly stayed dry on the left side of the river as we approached the first of the two twins.

One of the falls at Las Gemelas. — The first of the falls at La Gemelas

This was easily the tallest of the waterfalls we had seen that day.

Once you walk closer to the first of the twins and can see further down the river, the second of the twins appear in view.

There is a location on the left side of the river, where both waterfalls can be seen simultaneously. This is a surreal spot.

Standing where both of La Gemelas can be seen.

At this point of the day we were pretty hungry and tired and were ready to head back. We hiked back to the main trail and then to our car.

Getting to Blue Falls of Costa Rica

We drove to the Blue Falls from Grecia, but in general if you are coming from San Jose or the Central Valley you will be coming over a fairly tall ridge on Ruta Nacional 708 from the south. I mention this for one specific reason, that is the steepest section of road I have ever driven on.

The steep section I’m talking about is a very new road, but as we were descending the mountain, I suddenly got terrified because I knew I would have to drive back up this mountain, and I rented a Geely GX3. It has a not at all impressive 102 horsepower, and I had 4 full-sized Americans that had to ride in this car up this insane grade. Long story short, we made it, it was terrifying and my speed going up this grade was about 5 MPH with the pedal on the floor. I would suggest maybe a more powerful car if you are going to attempt this drive.

Much of the drive is typical of rural Costa Rica with narrow roads, switchbacks, and limited visibility. We did come across some pretty sketchy bridges made of wood near the end of the drive. At one point I asked Jenn “Was there a hole in that bridge?” She replied as calmly as she could “Yep.”

If you are coming from La Fortuna, you will probably be coming down from the north, so you wouldn’t have the steep grade that we had to deal with. That being said, I have no experience with the roads from La Fortuna, so I don’t know what they are like.

What to Wear at the Blue Falls of Costa Rica

You need to be prepared to get wet and muddy. You also need to have shoes that don’t slip. This does present a challenge for me, because frankly I’m a big fan of wearing socks and you’re not going to want to wear socks. They are going to get wet and your feet are going to prune, and you will be hating your life decisions.

Rocks are wet and slippery. Make sure your shoes grip properly.

You will also be walking on some extremely slick rocks. Having a pair of water shoes that have excellent grip that you can wear in the water is essential. They should also be a good fit, because as you can imagine, wearing ill-fitting shoes on a hike without socks can cause blisters in a hurry.

The alternative to water shoes is to do what the guides do and wear rubber boots. I’m pretty sure the guides know what they are doing, so following their lead can’t be a bad idea.

As far as your clothes are concerned, again you need to take into account the fact that you are both hiking and swimming. A swimsuit might not cover as much as you want when you are hiking and hiking clothes might be too heavy and uncomfortable once you get them wet. I settled on a quick dry shirt and a pair of board shorts. That seemed to be a pretty good compromise. Keep in mind the trails are pretty well maintained so you probably don’t need to cover your legs from things like thorns.

Other Considerations

We didn’t plan out our day very well. We had a light breakfast before driving an hour to get to the falls. A couple of hours of hiking had made us pretty hungry and we had not brought anything to eat. We basically quit out of fatigue, but if we had decided to do all of the falls, it would have taken us a bit more time and we would’ve been extremely hungry.

I would recommend packing a lunch if you want to do the entire Blue Falls hike. I think you could probably do the whole hike in 2 or 3 hours, but honestly, why are you hurrying? It’s beautiful, chill out and swim in the pools for a while. If you’re really enjoying the hike, I would think it would take you at least 4 hours, maybe longer, and with the amount of calories you’ll be burning with constantly going up and downhill, you’ll probably want something to replenish your energy.

I took along a regular backpack, but this is a very wet area, and the chance of accidentally falling into the river is fairly high. I would recommend using a dry bag or a dry backpack. I was carrying everyone’s phones in my backpack, so had I fallen, it might’ve been a really bad day. A dry bag would prevent that.

At the beginning of the hike, they will offer you a hiking stick. Take it! It must’ve saved me from falling a dozen times – its slippery out there!

Also, keep in mind you are in a forest in Costa Rica – if you have ever needed bug spray and/or sunscreen, you will need it here.

How Much Does the Blue Falls of Costa Rica Cost?

Entrance fees for the Blue Falls of Costa Rica is $17 USD per person. If you plan to also visit Catarata Del Toro, then a combo ticket costs $25 USD per person.

For more information visit the Catarata Del Toro/Blue Falls website.

Using the Lodge

Where you pay to get in, there are a bunch of tables where you can eat. There is a snack bar, but it was closed that day, so I’m not sure I would count on them having food available.

There are a couple of bathrooms in the back, and we used them to change our clothes after the hike. Pretty much anywhere you go when you leave the Blue Falls is going to be a long drive and you’ll want to be dry for that drive. Also, there aren’t any bathrooms on the trail itself, so you might want to use it before you head onto the trail.

I don’t know if tipping is customary, but we did leave a tip with the gentleman who was running the front desk. He asked us who the tip was for and we just let him know what falls we hiked at and he was happy to give the tip to the guides who were working those falls.

There is a hummingbird feeder in the lodge that gets a ton of activity with some very aggressive hummingbirds. Make sure you take a few moments to enjoy the hummingbirds as well.

Conclusion

If you have an opportunity to hike at the Blue Falls, jump at it. This was, by far, the most beautiful hike I have ever been on. Keep in mind that you should be in pretty reasonable shape to do the hike. It is wet, steep, and your balance will be challenged constantly.

Make sure that you come prepared and enjoy the beauty of Costa Rica. Pura Vida!

Points Check March 2024

Posted on April 4, 2024June 24, 2024 by David Cox

March was a pretty exciting month. We took a spring break trip to Costa Rica and had the opportunity to see just how beautiful that country is. We stayed in an Airbnb in the Central Valley near Grecia, which meant we were staying amongst the locals. That really gave us a more authentic taste of Costa Rica and was definitely not the normal touristy vacation.

We had to drive quite a bit to get to the locations that we wanted to visit, but in a week we managed to do hikes in a mountain pine forest and another by gorgeous waterfalls. We visited the only coffee farm owned by Starbucks. We also visited Poas Volcano as well as Playa Hermosa. Hey, any week you manage to visit the mountains, the beach and waterfalls in the same week is pretty good.

Costa Rica is a beautiful country and I would recommend it to anyone who is willing to go a little off the beaten path.

American Express Business Gold

Jenn applied for and was accepted for the American Express Business Gold. This is a card that we normally would ignore because of the higher annual fee and the higher required spend to earn the bonus on the card.

I have some mixed feelings about this card. The first issue for me is the $375 annual fee. We have, for the most part, gotten used to annual fees when they hand you a nice welcome bonus, but normally they have been less than $100 for us. That being said, this was an enormous 130,000 Membership Reward point bonus which The Points Guy values at 2 cents per point, so the bonus itself is worth $2,600. That definitely takes the sting out of the annual fee, especially if you plan to cancel before it renews.

The other negative here is that in order to receive this massive bonus, you must spend $10,000 in the first 3 months. That’s not easy for us, but with tax time coming and a pretty large tax bill, this shouldn’t be too hard. Making the most out of paying our taxes is becoming a annual tradition for us, last year we managed to profit $1,350 from paying our taxes.

The Amex Business Gold card earns 4x on some pretty good categories such as dining, gas and transit. It also offers 4x in some business categories such as advertising, electronics retailers, cloud system providers and cell phone service providers. In addition, it earns 3x on purchases through amextravel.com and 1x on all other purchases.

They have some monthly and annual credits, such as $155 refund for Walmart Plus membership and $20 per month for purchases at office supply stores, Grubhub, or FedEx. While I don’t think we’ll be signing up for Walmart Plus, Jenn has figured out that she can use that $20 per month by ordering takeout through Grubhub for some of our favorite restaurants so we will definitely be using those $20 Grubhub credits.

Ok, on the Points Check

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Ink Cash	$534	2,651	$54.35	5.0	10.2%
Capital One Venture	$519	1,038	$19.20	2.0	3.6%
Marriott Bonvoy	$421	2,105	$17.68	5.0	4.2%
Citibusiness AAdvantage	$347	347	$5.38	1.0	1.6%
Wyndham Business Earner	$124	814	$8.95	6.6	7.2%
Custom Cash	$49	244	$4.39	5	9.2%
Total	$1,994	7,199	$109.96	3.6	5.5%

This month’s spending not devoted to earning a signup bonus

We actually have 3 open cards where we are working on signup bonuses, which is a little crazy so the spend on cards without signup bonuses is pretty low this month. Most of the stuff in the chart above are set up as autopay for things like insurance, cell phones, utilities, etc. The Marriott Bonvoy charges are because we were earning 5x on groceries as a promo, and once again, somehow, we accidentally spent on the Citibusiness card at 1x which is a little frustrating. All in all, though, getting 5.5% back on non-bonus spend is fine by me.

In addition to the non-bonus spend, I spent $735 on my American Express Gold card and earned a little over 1,900 Membership Reward points. Jenn spent about $2,250 on her US Bank Business Connect card and earned $46 in cash back.

We didn’t earn any bonuses this month but I would imagine that those should start to hit over the next few months and they are some pretty big ones, with a $500 cash back bonus, a 75,000 Membership Reward bonus on my Amex Gold card, and the 130,000 Membership Reward bonus on Jenn’s Amex Business Gold card. I’m looking forward to seeing our point valuations balloon as these start to hit.

The only real redemption this month was that I used the cash back that I had earned last year to pay for the rental car and some of the gas while we were in Costa Rica.

Because we used some of our cash back, and we didn’t have any bonuses hit, we ended the month with a lower total value than the previous month. We ended the month with 260,300 Chase Ultimate Reward points, 115,200 American Airlines miles, 76,300 Capital One Venture miles, 38,800 Citi Thank You points, 34,000 Marriott Bonvoy points, 25,000 United miles, 10,000 Wyndham points, 6,900 Hyatt points, 5,000 Delta Miles, 1,900 Amex Membership Reward points and $183 in cash back. All of that, according to the valuations from The Points Guy, is worth around $10,300.