credit – Newby to Expert Traveler

Much of our time in October was spent preparing for our trip to Italy. Our trip included our good friends Bill and Theresa and Jenn’s Parents. None of them had been to Italy before and we wanted to make sure that they had a great time. I spent a decent amount of time researching places to visit, things to eat, train tickets, etc.

Meanwhile, Jenn spent a good deal of the month making ensuring that our kids had everything they needed to survive while we were gone. Emma and Alex are 19 and 15, respectively and they are definitely at the age where leaving them for another continent is questionable. I am, however, a firm believer that giving children challenges is a great way to turn them into functioning adults.

I can tell you that Emma passed this challenge with flying colors. She was not only responsible for taking care of Alex while she was gone, but she also was working, going to school and taking care of Jenn’s Parents’ dog. On top of that, she was coaching a youth basketball team. She took care of all of that and made sure that our house didn’t turn into a scene from Lord of the Flies. We couldn’t be prouder of her.

Citi Strata Premier Card

Right before we left for Italy, Jenn applied for, and her application was accepted for the Citi Strata Premier card. This is Citibank’s premier card and it’s a pretty good one. It has a $95 annual fee and has some pretty good bonus categories.

10x on Hotels, Rental Cars, and Attractions booked through the CitiTravel.com
3x on Groceries
3x on Restaurants
3x on Gas and EV Charging stations
3x on Flights and Other Hotel Purchases
1x on Everything Else

Getting 3x on groceries, restaurants and gas means means the cardholder can get 3x on a large portion of their spending without worrying about using one card for dining, and one card for gas, etc. It is a great credit card for people who don’t want to think too hard about points and miles.

This card currently has a 75,000 point welcome offer when the cardholder spends $4,000 within 3 months. Citi points are valued at 1.8 cents per point by The Points Guy, so that bonus is worth $1,350. In order to get that 1.8 cents per point value, you would need to use one of Citi’s transfer partners, including some of my favorites like Air France/KLM flying blue and Avianca Lifemiles.

It has a $100 credit on a hotel purchase of $500 or more using the Citi Travel site. It also has some trip protections and no foreign transaction fees. Overall, it’s a really solid travel credit card and especially good for people who don’t want to manage multiple cards.

Ok, On to the Point Check

This was not a great month for spending on non-bonus cards. We’ve gotten a little lazy about what card to use. For the vast majority of the month, Jenn didn’t have a card where she was working on a signup bonus. She is usually the one yelling at me that we need to sign up for a new card, because she can’t stand not working towards a signup bonus. Because she didn’t have a signup bonus to work towards, she just used her IHG Premier and her Amex Business Gold, neither of which were particularly great choices.

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Amex Business Gold	$1,143	1,310	$26.20	1.1	2.3%
IHG Premier	$814	2,695	$13.48	3.3	1.7%
Ink Cash	$561	2,783	$57..05	5.0	10.2%
Venture	$372	745	$13.78	2.0	3.7%
Wyndham Business	$284	1,588	$17.47	5.6	6.2%
Total	$3,174	9,121	$127.98	2.9	4.0%

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

Because of that, the return on spend on cards where there wasn’t a signup bonus was 4%. I like to keep that number above 5% and lately we’ve been over 6%. Note to self – make sure Jenn has a signup bonus to work on.

Besides the spending on the above chart, I spent over $3,200 on my US Bank Triple Cash card, earning a little under $50 in cash back. That puts me more than halfway to the $6,000 in required spend to earn the $750 bonus on that card.

That meant that we finished the month with:

296,700 Amex Membership Reward Points
217,000 Chase Ultimate Reward Points
141,700 IHG Points
104,800 American Airlines Miles
85,400 Capital One Venture Miles
71,900 Marriott Bonvoy Points
30,400 Citi Thank You Points
11,300 Hyatt Points
5,000 Delta Miles
2,700 United Miles
$220 Cash Back

Using the Points Guy’s valuations, all of this totals to an all-time high for us of $15,800 in points, miles and cash back. We have some pretty big travel plans for 2025, so we’re going to need a big stash of points available. Hopefully I see some Black Friday deals so I can lock in some plane tickets!

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.

Tag: credit

Points Check October 2024