Yacht blocked in Monaco

I’ve never been comfortable with wealth. If you catch me in a pair of Brooks running shoes, I feel like I have to explain that I got them on sale. It’s the Midwestern in me; if you own anything nice, you have to explain to everyone who notices it that you’re not rich, you just got a great deal. Hell, this entire blog is practically an apology for taking fancy trips. “Oh sure, Margaret, we went to France, but I had coupons, doncha know.”

Monaco is the opposite of Midwestern frugality. People come to Monaco to flaunt their wealth. They pull into the marina in multimillion-dollar yachts and unload their multimillion-dollar sports cars to drive around town. Designer clothes and expensive jewelry are standard.

Monaco is an odd country. It is the second-smallest in the world, measuring less than one square mile. Its size, combined with its population of around 38,000, makes it the most densely populated country in the world. It is also extremely wealthy, with its GDP per capita of over $250,000 per year, around triple that of the United States.

There aren’t many places on earth where I feel more out of place than Monaco, but we decided to visit anyway. Since we were spending five days in Nice, which is only a 20-30 minute trip from Monaco, it would seem like a missed opportunity not to visit when we were nearby.

Despite my discomfort with wealth, I was looking forward to the visit. The country is undeniably beautiful. Port Hercule sits on the Mediterranean Sea, filled with numerous yachts, and the hills encircle it in a crescent shape, acting almost as an amphitheater, with the port at its center. To the east of Port Hercule is the Old Town area, where the Palace and the Cathedral are located. The hills to the north and west of Port Hercule are lined with beautiful, modern mid-rise condos where even the most basic condominiums sell for well into the millions of dollars.

White tents block the view of the Marina

We arrived from Nice by Uber, which turned out to be a great choice. The drive to Monaco is beautiful, crossing through the maritime Alps and then, at the end of the trip, following switchbacks perched over the Mediterranean as you descend from the Alps. There are also a lot of tunnels, as Monaco and France needed to fit modern infrastructure in pretty steep, rocky terrain. We were let out of the Uber right by the marina.

Unfortunately, we couldn’t see the marina because of a line of white tents blocking the view of the marina from the road. The reason, as we found out, was that the Monaco Yacht Show was happening. This is not an ordinary boat show. This is an exhibition of superyachts, and they certainly didn’t want people who couldn’t afford those boats to look at them because admission to the event was 725 Euros per day.

I had planned to go to Monaco Brewery and have a beer while enjoying the view of the marina, but unfortunately, the view was now just the backside of a set of white tents. We went to the brewery anyway and asked to be seated. The hostess asked us if we would be eating, and we said no, so she told us there was no seating. We then told her we would eat, and they found us a table.

People queuing to enter the Yacht Show

We ordered a couple of beers, I believe a brown and a wheat beer. Jenn ordered a salad, and I had the fish and chips. I’m a bit of a beer snob, so take this with a grain of salt, but I felt like the beer was below average, at best, and certainly not worth the 12 euro price. The fish and chips were very good; however, although definitely on the pricey side at 28 euros.

Monaco Brewery

I knew that prices in Monaco were going to be inflated, so that was no surprise, but not getting a view of the Port Hercule, when that is our main draw to the brewery, was a huge letdown.

After lunch, we walked from the marina up to the top of the hill where Monaco’s old town sits. There is quite a climb from the base of the hill to the old town, which makes for some incredible views.

Port Hercule

We walked along the road heading up the west side of the hill, which overlooked the marina. Finally, we were able to see the boats from above the tents. The marina is quite impressive, as are the yachts that are docked in it.

Condominiums surrounding the marina

This was also where we started to get a sense of the city itself, with its midrise condo buildings looking out over the marina and Mediterranean. Past the rows of condominiums are the beginnings of the maritime Alps, with their white stone cliffs and trees.

Port Hercule

As we climbed up the road, the views became even more impressive as we could see more of the city as well as longer views of the deep blue Mediterranean.

Ships out in the Mediterranean who weren’t able to dock in Port Hercule

We finally arrived at the top of the hill, where there are some amazing viewpoints looking out over the Mediterranean. There is also a giant frame, where people were lining up for their Instagram-worthy portraits, looking over the marina.

Once we began to walk into the old town itself, I began to feel more comfortable. The old town, with its older buildings and its narrow streets, is very similar to most older European cities.

Old Town in Monaco

Walking through the old town to the Prince’s Palace, we passed several shops, and I noticed that the posted prices were much more typical of a European city rather than the inflated prices at Port Hercule. We probably should have stopped for a drink and food in the old town rather than at the brewery.

Prince’s Palace and the plaza

The Prince’s Palace was a beautiful white building sitting behind a large plaza. It was surprisingly quiet, with just a couple of guards outside and a handful of tourists snapping pictures. It’s also remarkably plain with just a couple of statues outside. I expected something a bit more gaudy, but was pleasantly surprised by the elegant simplicity of the area.

Grimaldi Statue in front of the Prince’s Palace

We hung around the area for a while and then proceeded to head back down the hill and go to the train station to return to Nice.

Ministry of the State Building

Going to Monaco was definitely an experience. I wish that we had been there when the yacht show wasn’t in town, because I would have really enjoyed a walk around the marina. There is also a ‘you don’t belong here’ vibe that I sensed almost everywhere I went. From blocking the view at the yacht show to not allowing you to drink at the brewery if you weren’t eating, it was clear that we weren’t the preferred visitors.

That being said, the views were spectacular, and I imagine that if we had spent a little more time in the old town, our experience would have been more positive. So if you’re like us and would like to check Monaco off your bucket list, I would recommend less time around the marina and more in the old town. I think you’ll find yourself a little more comfortable.

Thanks to our Travel Companions

As long as I can remember, I was fascinated by geography. When I was a child, we had a driftwood-framed color map of Puerto Rico that my parents brought home from a trip before I was born. I stared at that map for hours, imagining what it would be like to live on a Caribbean island.

When I was in Junior High, my Mom bought a beautiful, large-format world atlas. I spent so much time flipping through those pages, imagining what life is like in different areas of the world. I was fascinated by what was outside of my narrow world.

My family didn’t travel much, and when we did, it was to areas within the Midwest that were pretty much the same as where I grew up. Travel wasn’t a priority for us, but it was always something I wished I could do.

Marrying an Adventurous Soul

I always tell people I married a hippy, but that’s not really accurate. I married a woman with an adventurous soul. For most of our marriage, I felt like the cautious person who was always saying no to every crazy idea that she had, but over time, she wore me down, and I started to see life more in the way she saw it.

For example, in 2022, on a camping trip in Colorado Springs, we were talking to a couple at a microbrewery, and they suggested that we hike the Incline, a trail on an abandoned funicular line that climbs 2,000 feet in one mile. Jenn said, “That sounds awesome, let’s do it!” I looked at her like she was crazy, but I agreed to go. It turned out to be an insanely challenging hike, but it had amazing views and was unbelievably rewarding.

At the top step of the Incline in Manitou Springs, Colorado.

Getting off the Couch

Doing the incline was a great experience, but we wouldn’t have attempted it if we weren’t in pretty good shape. I personally wouldn’t have been capable of doing it without Jenn’s persistence.

When our children were young, we found it difficult to get much activity because our lives revolved around working, cooking, watching the kids, and shuffling them to activities. But as they grew older, she insisted that we exercise more. She dragged me, kicking and screaming, into fitness, and since that time, I’ve run eight half marathons, two marathons, and an ultra marathon, usually one event each year.

Starting line at the UTMB Cote d’Azur 55K in 2025.

Camping Against My Will

Jenn grew up camping. I absolutely did not. My family’s idea of “roughing it” was staying at a hotel that didn’t have a pool. Jenn did not accept my unwillingness to camp, and I’m glad she didn’t. When the kids were very young, we started off tent camping, then moved to a pop-up camper, and later to a full-sized travel trailer.

The family at St Mary’s Lake near Idaho Springs, Colorado.

I enjoy camping now, but my favorite part of camping is the hiking that accompanies it. When we took the kids to Colorado in 2022, we camped for two weeks, and in that time, we were able to do some amazing hikes. My favorite was a hike to the lake next to St Mary’s Glacier at 10,000 feet.

Exploring Other Countries

I had always dreamed of visiting other countries, but other than one trip to Cancun, I had never left the United States. The main problem was always the expense of flying. I never thought we could afford to take a family of four overseas with the cost of flights. However, in 2022, I started to look into travel hacking and specifically how to use points and miles to lower the cost of our flights and hotel stays.

Travel hacking lowered the cost of our travel and allowed us to be much more adventurous than in the past. Since then, we’ve had five trips to Europe, one to Mexico (two for Jenn), a trip to Canada, and a trip to Costa Rica. It has allowed us to share these amazing locations with our kids at ages where they can truly appreciate them.

Opening the World for our Children

Our daughter, Emma, graduated from High School in 2023, and to celebrate, we went to Europe for the first time. We had a whirlwind trip, visiting Zurich, Munich, Venice, Rome, and Stockholm over the course of two weeks. During that time, we were able to share as much food, culture, and sightseeing as we could with our kids.

Swiss flags line a street in Zurich

On the last day of our trip, Alex, who had been extremely quiet the entire trip, said that he didn’t want to go home. We honestly couldn’t tell if he was having a good time before that. He was just quietly soaking it all in. At that moment, I realized that we could take our kids anywhere and they would be happy to join us.

The Bridge of Sighs in Venice

In 2024, we took a spring break trip to Costa Rica, where we spent some time at the beach, did some hiking, and soaked up some authentic Costa Rican culture. The thing that we all remember more than anything on that trip was visiting the Blue Falls of Costa Rica. It is a hiking location with seven amazing turquoise blue waterfalls that cascade from the side of a volcano. It was a memorable hike.

The family enjoying the pool in front of a waterfall in Costa Rica

That summer, we took our camper to Hamilton, Ontario, and visited Toronto and Niagara Falls. It was crazy to me that I had never visited Canada, but it was well worth the trip across our northern border.

Horseshoe Falls from the Canadian side of Niagara Falls

For Spring Break in 2025, we did something a little more adventurous and spent six days on the Camino de Santiago de Compostela, where we hiked over 100 kilometers from Portugal to Spain. It was a difficult physical challenge, but it also allowed us to spend a lot of time in the Spanish countryside.

Alex hiking through a village on the Camino

Exploring the world with our children before they were too old to tag along with Mom and Dad was something we really set out to do. I’m really grateful that in the last few years we have been able to travel in a way that I hope shaped their views on the world. What I didn’t expect was that our children wouldn’t be our only travel companions.

Our Other Travel Companions

In the fall of 2024, we went to Italy with our good friends Bill and Theresa, and Jenn’s parents, Mark and Margie. I was a little apprehensive because there is a risk that spending that much time together could result in arguments and annoyances that can ruin a relationship. Travel can be stressful and can expose problems you were unaware of.

A church at the marina in Vernazza, Italy.

It turned out that we had a great time with very little stress. We visited Florence, Cinque Terre, Venice, and Rome on our trip. It was a great trip, and since we had visited Venice and Rome before, we were able to show some of our favorite stops from our first visit to Italy.

Port of Nice

We enjoyed traveling with Bill and Theresa so much that when we went to Nice, France, for the UTMB Côte d’Azur ultramarathons in September of this year, they came along and participated in the races as well. We had a great time visiting Monaco and Nice. On the way back, we stopped in Dublin, where we visited a few old pubs and toured the Jameson Distillery.

Temple Bar District in Dublin

Jenn also did a girls’ trip to Playa del Carmen to celebrate her sister’s 50th birthday, as well as a trip to Munich and Dublin to celebrate our niece Zoey’s high school graduation.

While the girls were in Munich and Dublin, Alex and I took a trip to Berlin, Dresden, and Saxon Switzerland National Park in Germany. We spent time visiting the historic sites and hiking a couple of days on the Malerweg trail.

View of the Elbe Valley from high up on the Malerweg trail

I also had the opportunity to reconnect with my old high school friends on a trip to Montana, where our friend Mat was getting married. While we were there, we did some hiking in Glacier National Park and drove the famous Going to the Sun road.

Avalanche Lake in Glacier National Park

That has been a lot of travel in a short amount of time, and at times it has been stressful. But I think back to how we were just a little over a decade ago, when we were staying close to home, watching a lot of television, and not doing much physical activity. Because of Jenn’s insistence that we not rot on the couch, I’ve been able to experience the world I dreamed about visiting when I was younger.

But it hasn’t just been the fact that we’ve experienced the world; it’s the fact that those experiences have been with people who were really important to us.

Whether it has been hiking to waterfalls in Costa Rica with our kids,

Or having drinks with friends along the beach in Nice,

Or catching up with some old friends in Montana,

Or hiking with my son in Germany,

Or exploring Cinque Terre with Jenn’s Parents,

Travel is so much better when you do it with people you love.

I’m thankful to my wife, Jenn, for pushing me to do all of the things that have enriched my life over the years, and thankful to all the people who accompanied us on our journeys. I couldn’t imagine travel, or life, without you all.

Happy Thanksgiving!

Vacasa and Wyndham are Divorcing, Now What?

Recently, the news broke that starting November 30th, 2025, Wyndham points will no longer be redeemable for Vacasa vacation rentals. Earlier this year, Casago, a vacation rental management company purchased Vacasa. Casago apparently didn’t like the arrangement with Wyndham and now has ended it.

What was the Vacasa/Wyndham Partnership?

Vacasa had a deal with Wyndham, which allowed people to rent vacation rentals that were posted on the Vacasa website with Wyndham points. Originally, they charged 15,000 Wyndham points per bedroom per night up to $500 per night, but eventually shrank that to $250 per bedroom per night. What that essentially meant was that for a one-bedroom vacation rental, if its cash rate was less than $250 per night, you could rent that for 15,000 Wyndham points per night. If it was a two-bedroom vacation rental with a cash rate under $500 per night, you could rent that for 30,000 Wyndham points per night.

View from Vacasa Jenn stayed at in Playa del Carmen

This was a tremendous deal, but it was made even better with the fact that Wyndham has one of the best/quirkiest business credit cards available. The Wyndham Business Earner card earns 5 points per dollar on utilities and 8 points per dollar at gas stations. At 8 points per dollar at gas stations, it’s not hard to imagine that someone who drives a lot could earn a ton of Wyndham points quickly. Holding that card also meant you got a 10% discount on points redemptions, making those Vacasa rentals 13,500 Wyndham points instead of 15,000 points.

For us, it was a way to quickly accumulate a lot of points that we could use for a vacation rental. We had actually booked with Vacasa using Wyndham points twice, once for a beachfront condo in Playa del Carmen and once for a condo in Nashville. Both were tremendous deals. In general, we prefer vacation rentals over hotels when they are available, and now the best method for booking them with points is no longer available.

What are the Alternatives?

Some partnerships could potentially be interesting. Hyatt has a Homes & Hideaways vacation rental program, and Choice has a partnership with Bluegreen Vacations, but both of those seem really limited in terms of properties. Marriott Homes and Villas has quite a few properties, but given the number of points needed to book a stay there, I wouldn’t even consider using points for it. I would consider paying for a Marriott Homes and Villas to earn Marriott points though.

If you can find vacation rentals through one of the bank travel portals, such as Amex Travel, Chase Travel, or Capital One Travel, you could potentially book on points that way. To be honest, though, nothing is really going to replace the Wyndham/Vacasa partnership. It was just a great way to get value for Wyndham points and rent a vacation rental for no out-of-pocket cost.

What am I to do with all these Wyndham Points?

One of the things that is painful about this is that we’ve been earning 2,000 to 3,000 Wyndham points monthly on the Wyndham Business Earner card, thinking that we would at some point book a Vacasa when we were vacationing in Mexico or the US (Vacasa doesn’t operate in Europe, where our recent vacations have been). Now we have close to 100,000 Wyndham points that would have gone a long way with Vacasa. Now what? Am I stuck with a bunch of points that are only good at places like Travelodge, Super 8, and La Quinta?

Ok, let’s be honest, Wyndham hotels aren’t typically high-end hotels. It’s known for its no-frills brands. That being said, Wyndham has been trying to expand its portfolio of hotels to include all-inclusive resorts in their Alltra brand as well as a boutique brand called the Registry Collection.

This appears to be working, as I was able to find several hotels in areas where luxury and all-inclusive hotels are typically located. There are nine all-inclusive resorts in the Riviera Maya area in Mexico alone, most of which were bookable for only 30,000 Wyndham points.

Additionally, they offer Club Wyndham, a timeshare organization that allows individuals to book select properties. Although most of those apartments will be occupied by timeshare owners, some are available for rent with cash or points.

Personally, I have a feeling we will be leaning toward an occasional all-inclusive stay. For 30,000 Wyndham points per night for many of those resorts, a couple of nights testing my liver at the pool sounds like a good use of all of those hard-earned Wyndham points.

Conclusion

The ending of the relationship between Wyndham and Vacasa is quite a bummer. There isn’t a good alternative way to book a vacation rental property at a good value using points. Since that was my primary reason for accumulating Wyndham points, I really thought long and hard about whether I would just use up what points we have left and abandon the program.

The problem with that thought is that the Wyndham Business Earner card earns 8x on gas and 5x on Utilities, which is so good that I would almost have to have no other use for the points to stop using that credit card. The earnings are too good, I just need to find a decent use for those points.

For the time being, I think we will try using them on all-inclusive resorts, and if we don’t like the quality, then we will have to use them on random hotel stays. For now, I think that’s okay, but I’m just not happy about this.

Forget Destin – We’re Going to the Canary Islands for Spring Break

When our kids were younger, we used to do the typical Midwestern “I’m tired of the snow” Spring Break trips. This usually meant a 15-hour drive each way so that we could rent an Airbnb somewhere along the Gulf of Mexico between Gulf Shores, Alabama, and Destin, Florida. Every year, it seemed like these vacation rentals would get more expensive, the beaches more crowded, and the trips overall became less and less enjoyable.

After four years of doing that, I was bored with the same old Spring Break trips. When we got into points and miles, I started looking for more exotic ways of spending Spring Break. A couple of years ago, we took a trip to Costa Rica, where we rented a house near Grecia, a fairly small community in the Central Valley more known for agriculture than tourism. We spent the week hiking to waterfalls and on volcanoes and eating local cuisine.

One of the seven falls at the Blue Falls of Costa Rica

This year, for Spring Break, we went to Spain and Portugal to hike the Portuguese route of the Camino de Santiago. It was an amazing trip, but it was physically challenging. It resulted in Achilles’ tendon inflammation, hip bruises, and blisters. Because of that, I had to promise to plan a much more relaxed Spring Break trip; otherwise, my family might murder me.

Walking through the city walls in Valenca, Portugal.

After a couple of pretty active Spring Break vacations, we decided it was time to find a beach again, but this time, not in the United States.

Why Visit The Canary Islands?

The Canary Islands are a set of volcanic islands off the coast of Africa, near Morocco. It has been a part of Spain since the late 1400’s, when they conquered the island from the native Guanche population. While tourism is popular throughout the islands, Tenerife is the most popular island, with over 5 million annual visitors.

Jenn and I have talked about visiting the Canary Islands for a while. It’s intrigued me, since it’s a very popular destination for European travelers, but mostly unknown to American travelers. There are no direct flights between the US and the Canary Islands, even though there are seemingly endless flights between Europe and the US. It’s basically a secret to Americans.

This, however, makes it a perfect alternative to typical Spring Break destinations. It has all of the trappings of a tourist hotspot, but because Europe doesn’t have Spring Break, it’s not going to be busy. Even though it’s bit further from the US, and there are no direct flights, I thought it would make for a better trip.

Screenshot from Google Maps shows plenty of resorts and condo complexes in Playa de las Americas, Spain. From the aerial photo, this looks like any major beach town in Florida.

The weather during March is fairly similar to Florida, with high temperatures in the low to mid-70s. The climate in South Tenerife, where we are flying to, is considerably drier than Florida as well, which should mean the chances of being rained out are much smaller.

In addition to Tenerife’s beach life, it’s an Island with an active volcano, Mount Teide, which is over 12,000 feet high. Because of that volcano, Tenerife has a dramatic landscape and amazing hiking trails.

Booking the Trip

I started by searching on PointsYeah for flights from our home airport, Moline, to Tenerife, but most of the available flights were a ton of points or less than ideal. For example, the quickest itinerary included a stop in London with an airport change. I’m not thrilled about the idea of switching airports in the middle of a flight itinerary; there are just too many things that could go wrong. After searching for a while, I became convinced it would be better to book a flight to Europe and then move on to Tenerife.

Because Tenerife had a lot of flights that arrive from all over Europe, I went looking for any flight to Europe that was inexpensive on points. I was able to find a flight on American Airlines that landed in London Heathrow for 19,000 American Airlines miles and $5.60. The total time on the flight is less than 11 hours. I was pretty happy with that.

From London Gatwick, we can fly to Tenerife South airport on a direct flight for 13,750 British Airways Avios and $1. The flight into London lands on Tuesday morning, so we decided to book the flight out for Thursday morning, to give us a couple of days in London. That is great because we are able to get to Tenerife for 32,750 points and under $7 each, and we also get a short visit to London.

For our flight back, the only thing that was comparably reasonable was a flight on American Airlines from Madrid through Chicago and back to Moline for 34,000 AAdvantage miles and around $50. We also need to get from Tenerife to Madrid, but there are direct cash flights available on Iberia Airlines for only around $50, so it’s better to pay cash than use points. We plan to fly to Madrid the morning before our flight to Moline so we can spend one afternoon and evening there.

We were able to use a couple of Hyatt category 1-4 hotel certificates to book two rooms for our first night in London (one for Jenn and me and one for the kids, since, as usual, there aren’t many hotels in Europe that accommodate families of four). While I don’t obsess about maximizing the value of those certificates, London is an extremely expensive city, so we booked the nearest hotel to the downtown that would accept those certificates. That was the Hyatt Place London City, and for that night, the rooms would have cost $300 each, which is about the maximum value you can get for one of those certificates.

For the second night, we booked a Courtyard by Marriott near the London Gatwick airport that did accommodate a family of four, which should allow us to get to the airport quickly for our morning flight to Tenerife. We used a Marriott free night certificate that is good up to 35,000. That room would have cost around $190, so I’m pretty happy with the use of that certificate as well.

We were also able to book a couple of rooms in Madrid, for the one night we plan to spend there before flying out. For that, we used Jenn’s $150 Delta Stays credit that comes with her Delta Gold Card.

Aside from that, we haven’t booked an Airbnb in Tenerife for the 5 nights we are there, but I expect, based on the prices I’ve seen, that we should be able to book something nice with a heated pool for around $900 that will accommodate the family. I also expect to spend around $200 for a car rental, again based on what I’ve seen in searches for car rentals in the Canary Islands.

Total Cost

When we put all of that together, I expect that we will spend 212,000 American Airlines miles, 55,000 British Airways Avios (transferred from Chase Ultimate Rewards), and about $1,500 to book all of our transportation and lodging. That’s really good, and we will get to experience a Spring Break-like destination without the Spring Break crowds. I’m pretty happy about that. In addition, we get to spend some time in London and Madrid as well, which is fantastic.

I looked up the total cost of the exact flight itinerary, booked through British Airways, and I was surprised to find that the itinerary with stopovers in London and Madrid was only $880 each. That’s actually a really good deal. You could completely recreate what we did without points for around $5,500. Anyone who has priced flights, car rentals, and an Airbnb in Florida might want to reconsider their trip at those prices.

We were able to book that for $1,500, but if you consider that we probably needed around $600 in credit card annual fees to make this work, you could say that we would end up spending $2,100. But wow, for a little over two thousand dollars, we have the opportunity to visit London, Madrid, and the Canary Islands. That’s pretty amazing, and it’s exactly why we’re points and miles junkies.

Now it’s just a matter of deciding where we want to stay and booking the Airbnb. Then we can dream of lying on the beach and soaking in the sun. Don’t tell the kids, but I’m definitely going to drag them on some hikes.

Points Check October 2025

There wasn’t much going on for us in October. We were recovering from our trip to Nice and Dublin. For me, it was literal recovery. I had finished my first ultramarathon in Nice, a 50K which was a part of the UTMB World Series. The combination of training and the actual race had left my right knee and my left foot pretty sore so other than some low impact gym visits, I did nothing. It was nice to finally take it easy for a little while.

There wasn’t much going on for us as far as travel this month, and that’s fine. Over the last year, we had taken four trips to Europe. That’s utterly insane and we would never have thought that was possible prior to getting into points and miles. We’re now at the point where we almost have to talk ourselves out of taking trips, because with points, it’s always really tempting when you see a great deal.

Ink Business Unlimited

I signed up and was approved for the Chase Ink Business Unlimited. They were running an elevated signup bonus of 90,000 Chase Ultimate Reward points for $6,000 in spending in 3 months. This deal comes up occasionally and, in my experience, is typically offered in the fall. The normal signup bonus for the Ink Business Unlimited is 75,000.

The Ink Business Unlimited is a no annual fee business card that earns 1.5x on all spending. It’s an extremely simple card, no extra bonus categories. I think it makes for a pretty good card for someone who has a lot of spend in categories that aren’t typical bonus categories. For example, if you spent a lot of money on gasoline, it’s pretty easy to find a credit card that earns 3x or better on gas. But if you are spending a lot of money at hardware stores, it’s going to be difficult to find more than 1x in that category.

There are a couple of business cards that earn 2x everywhere, like the Amex Blue Business Plus or the Venture X for Business. However, if you want to earn Chase Ultimate Reward points (perhaps because you want to transfer those points to Hyatt), the Ink Business Unlimited is a great choice.`

In addition to the 90,000 points, Jenn was able to refer me, which means that she will earn the 20,000 point referral bonus as well. If you count the points I will earn from the 1.5x plus the 90,000 points for my bonus and 20,000 points for her bonus, we will earn a minimum of 119,000 Ultimate Reward points on this card in 3 months on just $6,000 in spend. When you consider that Chase Ultimate Reward points are generally valued at 2 cents per point, that means that the total return on spend is just less than 40%. That’s a pretty amazing return.

Hyatt Brand Explorer Certificate

One of my favorite little loyalty program perks is the Hyatt Brand Explorer. Hyatt currently has 37 different hotel brands and you are rewarded for exploring those brands. For every 5 brands that you visit in your lifetime, you will earn a category 1-4 free night certificate. It’s not something that I would necessarily go out of my way for, but when we were in Dublin, we stayed at the Hyatt Centric in Dublin which turned out to be the 5th brand on my Hyatt account.

That earned us a free night certificate. While I wouldn’t pick a hotel just to get a free night certificate, I would consider booking a hotel under Jenn’s account instead of mine if she didn’t have that brand and I did. Either way, it’s a fun little perk that Hyatt can put out there to encourage people to book with them rather than another hotel program.

Also, it’s the kind of perk that could be missed, so if you have a Hyatt account that you use regularly, you should check out the Brand Explorer tab in your Hyatt account. I could imagine quite a few of those free night certificates go unused simply because people might not be aware they earned one.

On to the Point Check

When I do the accounting on these points and our spending, it’s not really a calendar month, it’s based on when the statement closes. I bring this up, because our spending was a little high this month, but some of that was because that spending was from our trip to Nice and Dublin, especially the spend on my Sapphire Preferred card, which was my go-to card when we were overseas. That trip was in September instead of October, but many of those charges showed up on the October statement.

All in all, the return on spend was okay this last month, with it being 5.3% on the spend not dedicated to earning a signup bonus.

Card UsedSpendPoints EarnedPoint ValuePoints Per $Return on Spend
Sapphire Preferred$1,1522,332$47.812.04.2%
Amex Gold$9903,206$64.123.26.5%
IHG Premier$5511,652$8.263.01.5%
Ink Cash$4512,251$46.155.010.2%
Wyndham Business Earner$4022,196$24.165.56.0%
Amex Blue Business Plus$277554$11.082.04.0%
Total$3,82312,191$201.573.25.3%
This month’s spending not devoted to earning a signup bonus

In addition to the spend not devoted to earning a signup bonus, Jenn spent over $2,400 on her American Airlines AAdvantage Platinum Select card. That earned her almost 3,300 AAdvantage miles and put her over the amount for her 80,000 AAdvantage mile bonus. We’ve been waiting on this bonus, because the best award prices we’ve seen to get us back from our half-booked Spring Break trip to Tenerife are on American Airlines, but we didn’t have enough AAdvantage miles. Now we should be ready to book that flight.

After the American Airlines bonus and all of the other points earned this month, we were left with:

  • 266,000 IHG Points
  • 236,100 Chase Ultimate Reward Points
  • 136,400 Amex Membership Rewards Points
  • 121,000 American Airlines Miles
  • 92,800 Wyndham Points
  • 79,100 Alaska Miles
  • 33,400 Marriott Bonvoy Points
  • 33,300 Citi Thank You Points
  • 18,300 Hyatt Points
  • 16,700 United Miles
  • 1,500 Delta Miles
  • $133 Cash Back

According to the Points Guy’s valuations, all of these points and miles are worth a grand total of just under $14,000. It’s about time to use some of these points to finish booking our trip to Tenerife. It’s going to be a great trip!

Colline du Chateau

Perched 300 feet above the Mediterranean Sea, Colline du Chateau is a beautiful park with amazing views of Nice. To the west of the park lies Old Nice, with its narrow streets and buildings dating back to the 16th Century. Also to the west is the beautiful beach along the Quai des Etats-Unis and a walkway. To the east is the Port of Nice with its impressive collection of multi-million dollar yachts.

A wide boardwalk separates the main road from the beach. The hill in the background is Colline du Chateau.

Colline du Chateau was the home of a military fort until 1706, when the fort was destroyed by King Louis XIV, during the War of Spanish Succession. More than 100 years later, in 1822, the King of Sardinia turned Colline du Chateau into a park. Starting as a botanical park, it was developed over time, leading to the beautiful park that it is today.

View from the stairway on the west side of Colline du Chateau.

We began our walk from the beach. It was a perfect day with mostly sunny skies, the temperature was around 70 degrees Fahrenheit and a slight breeze coming off of the Mediterranean. Walking up to Colline du Chateau, the hill looks imposing with its steep slope. A stone staircase, with multiple switchbacks is there on the west side of the hill to aid walkers in hiking up the slope.

One of the many amazing viewpoints at the top of the hill

At nearly every switchback, there are viewing platforms, allowing you to catch your breath while looking out over Old Nice and the beach. Every viewpoint was essentially the same, each one from a greater height.

A quiet moment under a tree at the top of Colline du Chateau

At the top of the stairs, the hill flattens out, and a traditional park emerges. There is a large, open grassy area with a children’s playground.

There is also a snack bar at the top of the hill with a good variety of snacks. Besides things like ice cream and hot dogs, it also sells things like crepes. Also, in addition to selling soft drinks and water, they also sold cappuccino, aperol spritz, prosecco, and champagne. As unique as the snack bar was, we just paid for a couple of bottles of water and continued our walk around the park.

Port of Nice

We walked across the park to the east side of the hill. The east side has fantastic views of the Port of Nice. The port has a wide variety of boats within the marina, from some fairly small sailboats to enormous yachts. There is also room in the port for small cruise ships. Club Med 2 was docked in the marina on this day.

Looking East from the southeast edge of the park with Mont Boron in the background. Club Med 2 is the large docked ship near the breakwater.

Off in the distance, over the marina, houses ascend up to Mont Boron, which is another park on top of a much larger hill. Mont Boron is taller and much larger than Colline du Chateau.

Cascade du Chateau

After viewing the marina, we went looking for the Cascade. The Cascade is a man-made waterfall on the west side, near the top of the hill. It is a very popular place to take pictures.

A plane flies over the plaza at the top of Colline du Chateau

Directly above the Cascade is a large cobblestone plaza. This is the highest point of the park and has fantastic views of Nice from all directions. We stayed there for a while, admiring the views, while watching an seemingly endless string of airplanes descending into Nice Airport.

View of the Old Town of Nice from the plaza

Under the plaza is another snack bar called Lou Casteu. We stopped in and grabbed a couple of French beers and enjoyed the weather and the view. It was a lovely place to take a few minutes to relax.

Stairs descend to the marina on the east side of the park.

We finished our drinks and decided to return to our Airbnb, which was just north of the park. That meant we were able to walk a little more through the park, and then we descended down the path and stairs on the east side of the park by the Marina.

It was an absolutely lovely day in Colline du Chateau. It is a beautiful place for a walk, with many places to relax. There are amazing views from practically everywhere in the park. This is an absolute must visit for anyone who is spending time in Nice.

United Airlines adds European Routes for Experienced Travelers

Airlines make announcements about new routes all the time, and most of them don’t interest me very much, but the latest press release about United expanding its seasonal routes in Europe piqued my interest. These new routes seem to be targeting American tourists who have been to Europe, perhaps multiple times, and are looking for something a little different than the normal European stops like Paris, London, or Rome.

The destinations they have chosen to expand to are places that would be on a bucket list for experienced travelers. They definitely speak to me personally, since each one of these are places where I would like to visit.

Glasgow, Scotland

Starting on May 8th, United will start a daily flight from Newark to Glasgow, Scotland. This is probably the least quirky of the destinations that United picked. Scotland is a destination that I could imagine someone traveling to on their first big international trip. The cultural and language similarities to the United States make it an easier trip. It would also appeal to people who didn’t want to visit a huge European city like London or Paris.

Glasgow and nearby Edinburgh are Scotland’s population and cultural centers. They are less than an hour’s train ride apart, making it easy to visit both cities on the same trip. Around Glasgow, there are also many castles to visit, such as Stirling Castle, Doune Castle, and Bothwell Castle.

You can also take the train from Edinburgh or Glasgow through the Scottish highlands. I once asked a Scotsman where he would recommend going if I were to visit Scotland and he was practically gushing about how beautiful train trips through the highlands are. I will definitely be taking his advise on that someday.

Glasgow, I believe, will appeal to more Americans as a destination than the other new destinations that were unveiled by United. The others may be a little more obscure, but they are fantastic destinations.

Bari, Italy

Have you ever found yourself dining outdoors at a restaurant in Florence or Rome and thought “I wish the food was better in Italy?” Probably not, but apparently the region of Puglia in Italy has food that puts other Italian food to shame. I’m not sure how this is possible, but I’m willing to give it a try.

Bari is located on the heel of the boot of Italy, along the Adriatic Sea. It is famous for its beaches, focaccia, pasta, and polenta.

From Bari, it’s about an hour by car to Alberobello, a UNESCO world heritage site known for its Trulli houses. These are unique structures made of limestone with conical roofs.

Bari is less of a tourist trap than other parts of Italy, such as Rome, Florence or Venice. This might make things a little more complicated for people who don’t speak Italian, but it is a great way to experience more authentic Italy than those major tourist destinations.

United will begin flying to Bari four times a week beginning May 1st, 2026.

Split, Croatia

https://www.ricksteves.com/europe/croatia/split has some fantastic information about Split

As the memory of the Yugoslav Wars that took place from 1991 to 2001 fade from memory, the Balkan countries have received more and more attention for being great tourist destinations. Split, Croatia has become a popular destination for its beautiful city as well as the crystal clear, deep blue waters of the Adriatic.

From Split, you can use ferries to go to some of the amazing islands in the Adriatic, such as Brac, Vis, Bol, Korcula and Milna. You can also take the opportunity to visit the beautiful walled city of Dubrovnik.

Croatia has been growing in popularity for a while now and its no surprise to me that United Airlines wants to capitalize on the growing popularity. It’s an absolutely beautiful country, and its been on my short list for a while.

Starting April 30th, United begins seasonal direct flights from Newark to Split.

Santiago de Compostela

Santiago de Compostela is a fairly small community in the Galicia region of Spain. It has a population of around 100,000, The reason United Airlines would be interested in bringing direct flights there, however, is because it’s where the Camino de Santiago ends.

The Santiago de Compostela Archcathedral Basilica is the end point for all of the Camino de Santiago routes.

The Camino is a unique cultural experience. It consists of hiking one of multiple routes, the most famous is the French Way which starts in France and continues across Northern Spain to Santiago de Compostela. Some of these routes take over a month to complete and others a couple of weeks. Pilgrims, however, can choose to start their journey from anywhere and an official pilgrimage is anything more than 100 kilometers that ends at the Cathedral in Santiago de Compostela. Along the way there are hotels or hostels to stay at as well as a variety of pilgrim-friendly restaurants.

We had the pleasure of spending 6 days on the Portuguese route this spring and we met so many people who had done multiple Caminos. It’s an amazing way to see the Spanish countryside and really experience Galician hospitality.

For those brave souls who wish to participate in the Camino, United Airlines will start service three times per week from Newark to Santiago de Compostela on May 22nd, 2026 and continues through September 20th.

Flights out of Newark

So the good news is that these are amazing destinations but the bad news is they all originate in Newark. The Newark Airport has had all kinds of problems and I typically try to avoid flying out of there when possible. Since Newark completed reconstruction of a runway in June, I haven’t heard of as many issues in that airport, so hopefully service out of Newark is improving.

Newark has connections to more than 100 US cities on United, so you shouldn’t have too much difficulty finding connecting flights. This should make these flights accessible for much of the United States.

Award Prices

Right now, the award pricing on these flights are fairly elevated. This isn’t a surprise, since these are new routes. In the future, I would expect some award prices of these flights to dip down to United’s saver rates of around 40,000 points one-way for a flight to Europe. If you see those saver rates on one of these flights, I would also check Singapore Airlines. Often, you can book the exact same flight, if it’s a United saver award, for only 30,500 points. For more information, I have a post about how to use the Singapore Airlines partnership.

It’s also easier to get Singapore miles since they transfer from Citi Thank You points, Chase Ultimate Reward points, American Express Membership Reward points, a Capital One Venture miles. United miles can only be transferred from Chase Ultimate Rewards.

Conclusion

These newly added seasonal routes for United add great direct flights from the United States to amazing destinations that are on the radar for people who have a little experience going to Europe and would like to try something a little different. These are all fantastic choices and would make for a great vacation. These destinations certainly have me thinking about future trips.

An Evening at Klunkerkranich

I love to visit places that are a little different, so when I was trying to find a biergarten in Berlin and came across Klunkerkranich, I had to check it out. The name roughly translates to Jewelry Crane, which is an odd name, but frankly, everything about this place is a little odd.

It is a rooftop bar/cultural center located on top of the Neukölln Arcaden, a shopping mall in the Neukölln neighborhood on the south side of Berlin. It has food, several bars, and fantastic views of Berlin.

There are planters all over the rooftop at Klunkerkranich.

Finding Klunkerkranich was a challenge. I stumbled across it on Google Maps when I searched for biergartens. When we went there, I found the intersection where it was located, but couldn’t find any signs or indication of where it was. I knew it was on the rooftop, so I decided to walk into Neukölln Arcaden to see if I had to go through the mall to get there.

Honestly, I’m not exactly sure how we found it. I know we went up as far as we could inside the mall, then ended up in a stairwell going up another floor, then through a parking garage. Inside the parking structure, we saw a ramp going up an additional level, and on that ramp, we were greeted by a gentleman who was taking the entrance fee. It’s definitely not the kind of place you just stumble upon; you have to be looking for it.

The entrance fee is variable between three and nine euros, depending on what time you arrive and what cultural program is being featured that day. The cultural program on the day we arrived was an EDM DJ, and the fee was eight euros.

The ramp up to the rooftop

Walking up the ramp, you start to get the vibe of the place. There are planters along the ramp that feel like they belong in a hippie’s garden, reminiscent of reclaimed pallet boards and whimsical paint colors. Once we got to the top of the roof itself, I felt a little sensory overload. The bass from the EDM, the views of Berlin, the sound of people chatting, the colors from the flowers in the planters, as well as the countless avant-garde decorations, took me a moment to unpack.

We looked around for a little while and then went into the bar for a König Ludwig dunkel for me and a cola for Alex. We then found a picnic table where we sat and enjoyed our drinks. The best tables along the edge of the building with clear views of the city were already taken.

Seating along the edge of the building with great city views.

For a Wednesday night, there were quite a few people there, but clearly, they could handle a much bigger crowd because only about half of the area was accessible. There was a private party in one section, which I discovered when I tried to walk up there and was sternly reprimanded. Another section, called the Ostflügel (east wing), was also closed off, which I imagine they open when they are busier.

In front of the whimsical balloon statue is the guy who scolded me for trying to get into the section with the private party.

Our plan for the evening was to have a couple of drinks here while the sun set. We had already eaten, so we didn’t have any of the food that was served. Based on the reviews, the food isn’t great, so we ate before arriving. Besides, I promised Alex I would take him for ice cream. Alex and I had spent a week together at this point, and the only way I could convince him to go with me to another biergarten was to promise him ice cream afterward.

The Ostflügel section of the rooftop was closed.

Even though this didn’t look like a traditional German biergarten, it certainly had that same feel. I find Germans to be friendly in biergartens, even though they typically don’t have the reputation for liking small talk. We had a short conversation with a gentleman from an adjacent table, which was prompted by Alex falling off the back of his bench (seriously, he was the only person there not drinking, and he’s the one who fell out of his seat).

Signs pointing to different sections of the rooftop.

I wish we had a chance to visit on the weekend. I have a feeling that the vibe goes from laid-back rooftop biergarten to a more nightclub/rave vibe when it gets really busy. Even though I would definitely rather go to a biergarten than a nightclub, it would have been really interesting to visit it when people were really partying.

We waited for sundown and walked around the rooftop, looking over the city of Berlin. It was a beautiful sunset on a warm and lovely evening. We then decided to leave and worked our way back to the ground level through the parking garage, stairwell, and the mall, and back out into the city. Now we just had to find that ice cream I promised Alex.

Berlin at sunset

If you are going to Berlin, I would highly recommend going to Klunkerkranich. The views over the city alone are worth the price of admission. I really enjoyed the hippie vibes and the avant-garde art. It was a really enjoyable place to spend an evening.

Simplify Your Travel in Germany with the Deutschland Ticket

If you are traveling to Germany, you might be surprised to find out that your best public transportation option might just be a program developed for German citizens. The Deutschland Ticket or D-Ticket was first introduced in May 2023 as a joint venture between the German government and the individual regions within Germany. The original cost was 49 Euros, which was raised to 58 Euros in January 2025.

What is the Deutschland Ticket?

Deutschland Ticket is a subscription service that allows you to travel on virtually any public transportation system in Germany for one price. This eliminates the need to navigate multiple apps and ticketing systems for different public transportation systems in Germany. The service covers buses, trams, subways, and trains throughout Germany.

The Deutschland Ticket doesn’t, however, cover travel between cities. This means that long-distance buses such as Flixbus or Intercity Express (ICE), Intercity (IC), or Eurocity (EC) trains are not included. For example, when my son and I were in Germany recently, we had to purchase separate tickets for travel between Dresden and Berlin.

My Experience with the Deutschland Ticket

When I was planning our trip to Germany this summer, the plan was to spend six nights in Dresden and two nights in Berlin. We were also going to visit Saxon Switzerland National Park for a few days while staying in Dresden.

What this meant for me was that I needed to figure out how to navigate as well as purchase tickets for three separate transportation systems in Berlin, Dresden, and Saxon Switzerland National Park. That is a giant headache to deal with because if you don’t want to overspend on tickets, you need to know how much you plan to use that system. Should I get a single-day pass, a single-journey pass, or a week pass? How many fare zones do I plan to travel in? It can get overwhelming in a hurry.

For example, on the Dresden Public Transportation website, there is a map, ironically labeled “Fare Zones made easy,” showing the 21 fare zones in the Dresden Public Transportation system. That’s right, 21 zones. The prices vary depending on how many zones you plan to travel in.

Dresden Zone Map from the Dresden Public Transportation website.

I spent a considerable amount of time trying to figure out that I would need to purchase a ticket that was good for a week in two zones, plus Dresden. For a week, that would have cost almost 45 Euros per person. That also limited us to just part of the system around Dresden.

On top of that, I was going to need to buy tickets in Berlin as well as inside Saxon Switzerland National Park. I knew that the Deutschland Ticket was only 58 Euros, so it didn’t take me too long to realize that it was going to be cheaper and much simpler to just buy the D-ticket.

In practice, it was a huge relief to have the Deutschland Ticket. I didn’t spend any time worrying about whether or not my ticket was valid for any place I wanted to go. If it was public transportation, it was covered – all I needed to worry about was which train, tram, or bus to take.

This actually expanded where we traveled because we decided at the last minute to visit Meissen, which would have been in a fare zone not covered by the Dresden week pass. Having the pass meant that we actually went the full length of the train system from Meissen to the Czech border, which is about 50 miles apart. Knowing that was all covered by one ticket was incredibly valuable.

The Simplicity of the D-Ticket

The best thing about holding the Deutschland Ticket is the fact that it simplifies your experience on German public transportation. Purchasing separate tickets for each city means that you will need that city’s phone app in order to purchase tickets and view routes. If you purchase the D-Ticket, however, you can buy it on any of those apps you choose, and you only need that one app, not a different app when you visit a new city. The QR code on that app works anywhere the D-Ticket is valid.

In fact, we weren’t visiting Munich, but I already had that app on my phone, so I purchased my ticket using that app. Whenever I needed to show my ticket while I was in Dresden, Berlin, or in Saxon Switzerland National Park, I simply opened the Munich app and flashed the QR code. It really simplified things for us. Meanwhile, for routes and times, we used the transit features within Apple Maps.

The Deutschland Ticket is a Subscription Service

There are some downsides to using the D-Ticket that might keep you from wanting to use it. The negatives revolve around it being a subscription service that renews at the end of the month. While the ticket is allowed for use by tourists, it’s generally meant for use by residents. So the rules are set up for residents, not tourists.

The first issue is that it renews at the beginning of the month. This means that if you are planning a trip that starts in one month and ends in the next month, you will end up paying the 58 Euro subscription fee twice. If you are only visiting Germany for a week and have to pay 116 Euros, you might rethink the D-Ticket.

The other problem is that you really need to plan ahead. It is required that you cancel your subscription before the 10th of the previous month. For example, if you are going to Germany from October 15th to October 25th, you need to purchase the ticket between September 1st and September 9th, and then cancel the subscription before the 10th. It seems counterintuitive to cancel something before you start to use it, but once you’ve purchased the Deutschland Ticket you have that ticket for the next month.

All purchases are final, and you can purchase the Deutschland Ticket in the same month that you use it, but you won’t be able to cancel it for the first month. In other words, if you don’t plan ahead, you will be required to purchase it for two months.

Purchasing the Deutschland Ticket

The actual purchasing of the Deutschland Ticket is fairly easy. I used the MVV app which is Munich’s public transportation phone app. You can find the Deutschland Ticket subscription in the Ticketshop tab at the bottom of the screen. Once you are there, select Deutschland Ticket Subscription.

Once you get to that point, all you need to do is enter your payment method (they accept US credit cards), and complete the payment.

If you are only trying to purchase your ticket for one month, you must remember to purchase and cancel the ticket before the tenth of the previous month otherwise you will be charged for a second month.

Conclusion

The Deutschland Ticket is a great way for tourists, especially those visiting multiple German cities, to simplify their public transportation needs. You can travel on virtually all forms of public transport within cities, hold only one ticket, and use only one app.

It’s very likely it will save you money on your trip as well, since purchasing individual tickets or day/week passes can add up quickly. The biggest headache is managing the subscription. But if you make sure you understand the subscription rules and are able to purchase and cancel the subscription within the correct time period, you’ll be thankful you had it.

Points Check August 2025

August was a month when we spent considerable time preparing for our trip to Nice, France, at the end of September. Unlike most trips, this didn’t mean finalizing trip details or finding places we would like to visit. Instead, it meant training – lots and lots of painful training.

Our trip is based around participating in the Nice Côte d’Azur UTMB Ultramarathons. I will be doing the 55K, and Jenn is doing the 23K. This means that we are spending a lot of time on our feet running and preparing ourselves physically for this challenge. On the last day of the month, I completed a 31-mile training run, which destroyed me physically for about three days, so this seems like a fantastic idea.

Besides that, we used some of our points and miles to finalize the details of our trip as well as beginning to book a spring break trip. I hadn’t planned to start booking anything yet for spring break, but I came across a fantastic flight deal, and I believe in booking something when you have the opportunity.

The Beginnings of a Trip to Tenerife

After we hiked part of the Portuguese Route of the Camino de Santiago last spring break, I promised our kids a more laid-back beach vacation for the next spring break. For a couple of years, I’ve been thinking about visiting the Canary Islands during spring break, because unlike Florida, Mexico, and the Caribbean, March is the offseason for them. The weather should still be great, but there shouldn’t be crowds, and the prices should be cheaper. I really wanted to fly into Tenerife South Airport, because that is the center of beach tourism for the islands.

When I was looking for flights, it quickly became obvious that it would be cheaper to fly to somewhere in Europe and then get a separate flight from Europe to Tenerife. What we discovered was that we could fly from our home airport in Moline to London Heathrow for 19,000 American Airlines miles and $5.60. Then we could fly British Airways from London Gatwick to Tenerife South for 13,750 British Airways Avios (transferred from Chase Ultimate Rewards) and $1 each.

That meant that we could fly for a total of 32,750 points and $6.60 each, which was considerably less than the more than 40,000 points each I was seeing for similar flights on one itinerary. The bonus was that we were able to schedule a couple of nights in London, which should allow us to enjoy a taste of England while we’re getting over jet lag.

We had Emma use some of her American Airlines miles to book her flight, so we only needed to pay for 3 of the American Airlines flights, but we did need to pay for all 4 of the British Airways flights. Altogether, we spent 57,000 American Airlines miles and 55,000 Chase Ultimate Reward points transferred to British Airways to book the flight to Tenerife.

Finalizing our Trip to Nice and Dublin

After 5 nights in Nice, we will move on to Dublin for a few nights before heading home. We hadn’t, however, booked any lodging in Dublin. Booking a hotel in Dublin for a reasonable number of points was difficult. The best option was to book the Hyatt Centric Dublin, a category 5 hotel with 17,000 points per night. Because it was a category 5, I couldn’t use my category 1-4 certificate. I ended up using 34,000 Hyatt points, 9,000 from my Hyatt account, and 25,000 Ultimate Reward Points transferred to Hyatt.

This will be the fifth Hyatt brand we’ve stayed at on my Hyatt account, which means that I will hit my first Hyatt Brand Explorer reward and will earn a category 1-4 certificate with this stay. That takes a little bit of the sting away from having to use so many points for this redemption.

Citi AAdvantage Platinum Select

Jenn applied for the Citi AAdvantage Platinum Select World Elite Mastercard. That name is way too long, but it comes with an elevated 80,000 AAdvantage mile bonus after she spends $3,500 in the first three months.

It earns 2x on gas, dining, and American Airlines purchases. It has a $95 annual fee, but it is waived the first year. There really isn’t much to be excited about with this card other than the signup bonus. It does give the cardholder free checked bags and priority boarding, which is pretty standard for an airline credit card.

She signed up for this card in order to boost her American Airlines miles balance. We’ve been using American a lot more, and we find it to be extremely reasonable for flights out of our local small airport in Moline.

On to the Point Check!

Without having a signup bonus that I was working on, our spending on our regular cards was a little higher than normal, and some of it was not ideal. We used my Sapphire Preferred card on categories that weren’t earning a lot of points. In addition, I used my Citi Custom Cash on camping fees, wondering whether or not it would code as one of the 5x categories, which it did not. Oh well, it was worth a try.

I usually say that I’m happy if we earn a 5% return on our spending on cards where we weren’t earning a signup bonus, but I feel like we were a little sloppy this month, and we could’ve done better. It seems like lately we’ve been able to earn 6% to 8% on that spending, so I know we can do better than that.

Card UsedSpendPoints EarnedPoint ValuePoints Per $Return on Spend
Amex Gold$12603,351$67.022.75.3%
Sapphire Preferred$890980$20.091.12.3%
Wyndham Business Earner$7304,218$46.405.86.4%
Ink Cash$4662,335$47.875.010.3%
Citi Custom Cash$364364$6.551.01.9%
Total$3,71011,248$187.933.05.1%
This month’s spending not devoted to earning a signup bonus

Besides the spending listed above, Jenn spent a little under $2,200 on her IHG Premier Business card, earning 7,000 IHG points. It also meant she reached the second bonus threshold and an additional 60,000 points. That card had a weird double bonus, which earned 140,000 points after $4,000 in spending and another 60,000 points after an additional $5,000 in spending.

All of that leaves us with:

  • 261,800 IHG points
  • 235,500 Chase Ultimate Reward Points
  • 129,000 Amex Membership Rewards Points
  • 87,500 Wyndham Points
  • 79,100 Alaska Miles
  • 36,000 American Airlines Miles
  • 33,400 Marriott Bonvoy Points
  • 32,700 Citi Thank You Points
  • 16,700 United Miles
  • 7,800 Hyatt Points
  • 1,500 Delta Miles
  • $133 in Cash Back

All of that together is worth, according to the Points Guy’s valuations, a little over $12,000, which is down more than $2,000 from the previous month. Most of that is due to the flights booked to Tenerife. We keep using these points to book some amazing vacations, so the dip doesn’t bother me at all. We seem to be constantly earning and burning those points, which is how it should be done. That being said, I’ll worry about my points totals later because I have a race to train for.