Points, Miles & Life

Travel adventures on this earthly pilgrimage

Category: Credit Cards (page 1 of 7)

Complete guide to American Airlines reduced mileage awards

One of the lesser-known perks of holding an American Airlines co-branded credit card is the ability to book American Airlines reduced mileage awards. These will allow you to save up to 7,500 miles per round-trip depending on the card you hold and the length of the trip.

Save miles with AA reduced mileage awards

There are groups of cards that give you different levels of savings with the reduced mileage awards. Typically, the free or cheap co-branded cards offer less savings. There are also two tiers of awards. Because American Airlines already requires only 7,500 award miles for trips under 500 miles one-way, the savings aren’t as good on these routes.

Many credit cards offer a savings of up to 7,500 miles per round trip for itineraries over 500 miles and 2,000 miles per round-trip for itineraries of less than 500 miles. Here is the list of credit cards that offer these savings:

  • Citi® / AAdvantage® Executive World Elite™ MasterCard®
  • Citi® / AAdvantage® Platinum Select® MasterCard®
  • CitiBusiness® / AAdvantage® Platinum Select® MasterCard®
  • CitiBusiness® / AAdvantage® Select MasterCard®
  • AAdvantage® Aviator® Silver World Elite MasterCard®
  • AAdvantage® Aviator® Red MasterCard®
  • AAdvantage® Aviator® Business MasterCard®

This reduces the cost of a typical round-trip saver award from 25,000 miles to only 17,500 miles, and makes using your miles for domestic economy tickets far more lucrative. The cool thing is, some of the same cards that offer access to the American Airlines reduced mileage awards also offer 10% of your miles back when you redeem them, so you’re looking at a net cost of 15,750 per round-trip.

Here are the credit cards that give you access to a 5,000-mile discount for awards over 500 miles and 1,000-mile discount on round-trips itineraries of less than 500 miles:

  • Citi® / AAdvantage® Gold MasterCard®
  • AAdvantage® Aviator® Blue MasterCard®

Holding one of these cards will let you book a ticket to one of the listed destinations for only 20,000 miles per round-trip. A hop of 500 miles or less will only cost you 14,000 miles round-trip.

The cool thing is, you don’t have to book a round-trip award. If you book a one-way, the savings are simply half of the round-trip savings.

There are some other cards included in both of the lists that offer access to the American Airlines reduced mileage awards, but I’m not sure they are offered anymore. I don’t recognize them. I believe all the ones listed are the products that are currently available.

How to find a qualifying award

American Airlines offers a good number of destinations every month on their reduced mileage award chart. There are some major airports that never make the list. But they typically offer several dozen destinations every month. The chart is updated every other month, and you’ll only ever find the current month and the three upcoming months included. Don’t expect to be able to lock these in way ahead of time.

Head over to the American Airlines reduced mileage award page to view the list of destinations offered. The first paragraphs explain the discounts and process, after which you’ll find the table of current reduced mileage destinations. Note the months in the header at the top and then scroll through the list (or use the web page search) to find your destination. The green checks indicate that a destination is available for the reduced mileage price for that month.

American Airlines Reduced Mileage Awards

For example, if I’m interested in flying to Akron, Ohio, I can book a reduced mileage award for any of the months shown above. I can also fly out of any nearby airport served by American Airlines, which for us would be Santa Rosa, Sacramento, San Francisco, or Oakland. It doesn’t matter if your origin airport isn’t on the chart; all that matters is the destination. If I’m interested in flying to Albany, notice that I can only book that at the reduced mileage price for flights in September.

The current list for September 2018 is a gold mine. Most of the airports shown on the list are available for reduced mileage awards this month, which comes to a total of over 100. Chances are you’ll find the destination you’re looking for if you’re willing to travel outside of peak summer season.

Some people have previously reported that if your origin is included in the reduced mileage list for a given month, this gives you reduced mileage prices anywhere in the U.S. Not all agents would abide by this, but by using the “hang up, call again” (HUCA) trick, you could typically book them.

However, I don’t see this in the terms. Everything refers to the destination being on the list. Only the destination airport has to be on the list for a one-way or round-trip. The origin doesn’t seem to play into the equation at all. I could be wrong on this, though, or the terms could have changed such that they are now in line with my understanding. In any case, you’re more than welcome to try to see where you can get with an agent. Some airports are routinely available, and it would be amazing to fly for reduced mileage prices much of the year.

How to book a reduced mileage award

You have to call reservations at 800-882-8880 to book American Airlines reduced mileage awards. However, you’ll first need to make sure there is space available for the award you want, and I suggest doing this online. Head to aa.com and look for MileSAAver space. You cannot use the reduced milage award codes for standard awards.

You’ll also need the award code for the credit card you hold. You can find these on the American Airlines reduced mileage awards web page. The agent will ask for a code when you go to book the award.

My experience booking a reduced milage award was pretty painless. I called American Airlines reservations, spoke our date, origin and destination into the automated system, and was connected with an agent within only a few minutes. I explained that I wanted to book a reduced milage award. The lady was completely familiar with the process and asked for the code. She spent a minute confirming that our destination was on the list, and our tickets were booked a minute or two later.

The reservation service charge is waived for these awards since they are not bookable online, which totally makes sense.

Final notes on the American Airlines reduced mileage awards

American Airlines reduced mileage awards offer fantastic value for families since you can fly round-trip domestic itineraries for so much less. A family of 5 flying to a reduced mileage destination only needs 87,500 miles rather than 125,000 miles. Given that some of the American Airlines co-branded cards sometimes offer a sign-up bonus of 60,000 or even 70,000 miles, an application plus some spending can easily get free flights for the whole family.

A few final things to note:

  • The terribly (might I say AAwful) $75 close-in booking fee still applies to itineraries 21 days out or less.
  • The discounts only apply to awards within the United States. Even if you live at an airport on the list where flights should be at reduced cost to anywhere, don’t expect to head to Europe with a mileage discount.
  • You can actually apply the discount to business and first class domestically. I’m just never interested in premium cabin domestic awards, so details like this tend to slip my mind.
  • Finding American Airlines award space might be a real issue at times, but it can be done. Don’t expect to see wide-open awards to any of these destinations, but expect to be able to make something work if you are flexible with your dates.

Hope you make great use of the American Airlines reduced mileage awards!

Featured image courtesy of Grant Wickes. 

Centurion Lounge Las Vegas Review

Work sent me to Las Vegas for a couple days right at the end of 2017. Well, I actually was headed to Needles, California, but I had to fly into Las Vegas and drive the 2 hours south. Which was an adventure (nightmare?) in itself. When I headed home, I decided to check out the Centurion Lounge Las Vegas.

I have been to the Centurion Lounge SFO (SEE: Centurion Lounge SFO Review) several times and the Centurion Studio SeaTac once. While not the primary reason I picked up a Business Platinum Card from American Express (it was during the 100,000 MR bonus offer), the lounge access it provides has come in handy this year, most recently in Oakland (SEE: Escape Lounge Oakland review). I honestly didn’t expect to visit a Centurion Lounge after I won my first access from a Mommy Points giveaway, but I ended up getting the card the next month. Ironically, I’m probably going to drop it soon.

Arriving at the Centurion Lounge Las Vegas

The Centurion Lounge Las Vegas McCarran is located in Terminal 3. I dropped my rental car, quickly passed through security, and was on the tram under to the terminal in no time. Once in Terminal 3, you take the escalators up and turn left to head to the Centurion Lounge Las Vegas.

The front of the lounge is a bit more nondescript than the glass entry, greenery and vertical sign at SFO. I honestly almost missed it.

The lady at the front desk was friendly and professional, and she welcomed me as a first-timer to the Las Vegas location after asking whether I had visited previously. She provided a brief description of the facilities and services provided.

The space

The Centurion Lounge Las Vegas feels a bit larger than its counterpart in SFO. The space has similar seating, with some of the same pods and benches featured. I can imagine that all Centurion Lounges likely use the same style furniture.

A long wall separates the bar, food, and main dining area from much of the rest of the lounge. Facing the windows on the other side, the wall has several seating alcoves. I chose one of these initially to work from for a while.

centurion lounge las vegas

At the end there is a variety of seating. This also seemed like the quietest part of the lounge, as foot traffic is lessened. Had there been any open seats, I would have chosen to sit here.

There is a kids room at the Centurion Lounge Las Vegas, just like in San Francisco. It is a bit bigger. If only American Express hadn’t changed their entry policy and completely hosed families with more than one kid (SEE: American Express devalues lounge access, sticks it to families). Sigh.

Food at the Centurion Lounge Las Vegas

I didn’t bother checking out what the offerings were for breakfast. As I’d arrived at 10:00, it was still running. Instead, I simply got a coffee and sat down to write for a while.

The food changed after 11:00 to the lunch offerings. I eventually joined the line to grab myself a plate.

There was a decent salad selection that included peppers, carrots, cucumbers, cheese, and other items.

There was some ginger rice that I enjoyed. It was probably the best thing offered. There was also a sweet pea puree that I wasn’t keen on.

The meat offering was salmon. I found it mediocre. Definitely not full of flavor.

At the end was udon soup, which I didn’t try.

On the whole, the food at the Centurion Lounge Las Vegas wasn’t quite as good as what I’ve had at SFO. It was a decent lunch, but nothing stood out to me.

Per usual, I didn’t try anything at the bar. I’m sure it had a good selection of alcoholic beverages.

Overall experience

I was happy with the seating, food, and experience overall. The WiFi caused me some issues a few times, but I the root cause might have been my own computer. Each time it would cut out for about 3 minutes, before finally coming back. I would turn my WiFi on and off a few times until it would finally reconnect.

The lounge was fairly crowded when I arrived, and it got an even bit more so as lunchtime approached. I had not expected this, but it rivaled the insanity of the Centurion SFO for a while.

When I got up to go to the bathroom, my seat was occupied when I returned (since I took all my stuff with me), and I had trouble finding another. Things got better after 1:00 p.m. and then even kinda quiet by 2:30.

The line for the food around noon was definitely a turn off. I watched and waited for a good 15 minutes before getting up to grab something to eat.

Conclusion

The ability to grab lunch, sit somewhere quiet and comfortable, and be productive for a few hours in the Centurion Lounge Las Vegas was invaluable. It is also nice to have access to better WiFi (except for a few blips) and cleaner bathrooms than in the terminal. Nothing stood out to me as “above and beyond”, but the lounge is still definitely a step up from the typical United Club or Delta SkyClub.

Crazy Deal! Get a Southwest Companion Pass after only one purchase!

For a limited time, California residents have access to a phenomenal deal. Southwest has an open offer to all California residents that allows them to earn the amazing Southwest Companion Pass after opening a new Southwest credit card and making a single purchase.

I’ve previously written about Southwest Airlines being my favorite airline  (honestly, this is not really true anymore, but they are pretty amazing). We’ve even leveraged the amazing Southwest cancellation policy for some recent bookings.

Targeted Southwest Companion Pass California offer

Last week there were reports of a targeted credit card offer being sent to *some* CA residents where they could earn a companion pass after only one purchase. The amazing news is that this is now being extended to all residents of California.

Here is the link to the personal Southwest Companion Pass California card offer. The welcome bonus also offers 40,000 points after spending $1,000 in the first 3 months.

Here is the link to the business Southwest Companion Pass California card offer. The welcome bonus also offers 60,000 points after spending $3,000 in the first 3 months.

(Neither of these are affiliate links)

Obviously, if you aren’t a resident of California, you won’t qualify for the Companion Pass offer.

Why the Companion Pass is *totally* worth getting

The Southwest Companion Pass is considered by many to be the “holy grail” of domestic (and some international) travel. It essentially gives you a 2 for 1 deal for both paid travel *and* award travel on Southwest airlines. It essentially doubles the value of all your Southwest RapidRewards points.

If you’re a traveling couple, you’ll only pay the points or fare for one person, plus the $5.60 TSA fee for both. If you’re a traveling family, you could fly 4 people for the price of 2 if *both* parents obtain a Southwest Companion Pass through this offer. This would be a mere $44.80 plus points for 2 tickets for a family of 4 round-trip anywhere in the U.S. Southwest flies! Talk about a phenomenal deal!

You can read up on the fine print of the Companion Pass here. But it honestly is as good as it sounds.

Southwest Companion Pass California offer targeted

Qualifying for the Southwest Companion Pass

Typically, you need to either fly 100(!) qualifying Southwest one-way segments in a year, or you need to accrue 110,000 qualifying points. Sound difficult? It certainly is for most people without a way to generate extra spending or without a business with significant expenses to charge. Here is the rundown on qualifying for the pass the traditional way.

The typical back door to getting the Southwest Companion Pass has been opening a new Southwest card and then spending the rest, or opening two Southwest cards in a year to meet, or nearly meet, the qualifying points requirement. The sign-up bonus for the card(s) counts toward the 110,000 point total needed.

Conclusion

If you’re interested in taking even a couple vacations next year, I guarantee that these offers will pay off the card fees required. Don’t pass up this Southwest Companion Pass California card offer!

Header image courtesy of BriYYZ under CC 2.0 license.

Best ever offer for the Hilton Honors Surpass Card!

The best-ever offer is back for the Hilton Honors Surpass card from American Express. We routinely see various increased offers for this card, but the past couple iterations have been especially rich.

The offer

Currently, the card offers a sign-up bonus of 100,000 Hilton Honors points after spending $3,000 in the first 3 months of card membership. Additionally, you can earn a free weekend night after paying the card fee on your first card anniversary.

The card carries and annual fee of $75. If you factor in the free night on the first anniversary, you’ll essentially be paying $150 for one hotel night and 100,000 Honors points. Not a bad deal.

Assuming that you get $150 out of the free night (but you can likely get more), I estimate the value of the bonus points to be $500 (0.5 cents per Hilton point). You *can* get a lot more out of Hilton points, however (SEE: Travel hacking win: booking last-minute eclipse travel).

If you’re interested in the card, I would appreciate it if you would apply via my referral link. I’ll receive a bonus if you do. 😉

Card details

The Hilton Honors Surpass card isn’t a fantastic one for everyday spending. Due to the low value of Hilton points, even earning 3 points per dollar isn’t all that hot.

However, the card does earn 6 points at grocery stores, which is fairly reasonable. It also earns 12 points per dollar at any of the Hilton hotel brands. What the card is sadly lacking, though, is no foreign transaction fees. This means you get hit with a 3% fee if you use it abroad, even for Hilton stays.

One of the biggest perks of the card is that it grants you Hilton Honors Gold status. This will give you free breakfast at most full service Hilton hotels, room upgrades, and other perks.

This is a great card if you stay at Hilton brand hotels even a handful of times per year!

Getting Your First Credit Card

I’ve talked with many people over my years of travel hacking who are amazed at what my wife and I are able to do, yet are a bit skeptical about credit cards. There are even expressions of horror when I mention that my wife and I have 36 (!) open accounts between the two of us. But is getting your first credit card really all that scary?

Sure, credit cards have the potential to get you into trouble. But with even a small amount of financial discipline, they are far more of a tool than a liability.

Credit card basics

Before getting for your first credit card, I highly recommend that you first check your credit report and score. You can get your report for free at freecreditreport.com, or you can often sign up for a trial membership with Experian and pull both your report and your score for $1. Totally worth it.

There are 5 factors that go into your credit score. Make sure you understand these. It is good to have an idea about how likely you are to be approved for a given card. If you have too many negative factors influencing your score, you may need to work on repairing your credit before moving into travel hacking.

Identifying a good credit card

There are many cards on the market, some great, some not so much. If your credit isn’t good, you probably won’t qualify for (m)any of the best products.

If you have good credit and are interested in travel, I would definitely suggest a card with transferable points as your first travel credit card, and then maybe moving into an airline card later. However, this *completely* depends on your own personal preferences. It’s your credit. The best plan is to identify a specific trip or travel goal, and then obtain the cards that will help you meet that goal.

If you don’t have any idea where to start, though, I’ll always suggest my favorite travel card (SEE: 5 Reasons the Chase Sapphire Preferred is the Best Starter Travel Credit Card).

Getting your first credit card chase sapphire preferred

Applying for a credit card

Before you apply for a card, make sure that your credit score is in the range that will likely result in approval. You should also keep application restrictions in mind, such as Chase 5/24 or Citi’s 8/65 rule. If you have poor credit or simply no credit history at all, getting your first credit card is sometimes challenging. You may need to look for a secured card or one through your local bank with a low limit before shooting for travel rewards cards.

When you apply for a card, you will get one of 3 results: instant approval, application pending, or denial. If you are approved, congratulations. Now just wait for your card to show up and then start spending to meet your bonus criteria.

If you’re immediately denied, I would wait for the letter to come explaining why. You can potentially get this overturned, depending on the situation, but you’ll need to call the reconsideration line of the bank.

If your application goes to pending, it could be for a few reasons:

  • The bank needs to confirm some information with you
  • An actual person needs to review the application rather than a computer algorithm
  • You’re actually denied, and they’re not telling you so (in at least Chase’s case)
  • Or potentially other reasons

If your application is pending, I suggest following whatever the confirmation screen tells you. Sometimes it says to call in as soon as possible. At other times, the response will ask that you wait for a decision in the mail. Whatever the case, I would follow the advice before calling reconsideration.

Actually getting your first credit card

Assuming that you’re approved immediately, or that you are able to get successfully approved by calling reconsideration, actually getting your first credit card (in the physical sense) usually takes about a week. You’ll need to then activate the card, which typically means signing up for online access, something I highly recommend. I find it is much easier to manage your card online than it is over the phone.

Once your card is activated, it’s time to earn that bonus.

Earning the card bonus

You’ll now need to spend the amount required by your offer within the timeframe required by the bonus offer to earn the sign-up bonus. Most of the time this is 3 months or 90 days. Make sure that you track the required amount of spend and that you stay on track!

DO NOT miss out on the sign-up bonus! This is one of the reasons you got the card! Additionally, you may not be eligible for another bonus in the near future (or ever). I’ve sadly missed out on one Delta bonus, something I can never get again since it is an American Express card. :'(

Use your points!

If getting your first credit card lands you a great versatile card like the Chase Sapphire Preferred, you may quickly have enough points for a quick weekend away. But whether you burn your points immediately for a quick trip, or save them for a couple years for a fantastic round-the-world adventure, make sure you enjoy them. Sometimes the name of the game is maximizing their value. At other times it is simply taking the trip you want to take…for free!

Just don’t burn them on a toaster. There are plenty of resources out there for maximizing your points.

SEE5 Best Chase Ultimate Rewards Transfer Partners

SEE6 Best Amex Transfer Partners

My admonition

DO NOT, I repeat, DO NOT get yourself into debt trying to obtain free travel. It will no longer be free. While it may make sense to pay an annual fee on a card, it *never* makes sense to end up paying interest and/or late fees while trying to earn miles or points. The fees will completely negate the value of your points (and more).

Make sure you know the 5 Commandments of Travel Credit Cards (or any credit card).

Conclusion

My final disclaimer is that you should NOT sign up for a credit card simply because some guy on the internet told you to do so. Make sure the card is a product that will work for you, and that you will indeed get value out of it.

Using lucrative credit card offers to obtain amazing travel is fantastic. Getting your first credit card can easily get your addicted to the miles and points hobby. Just be responsible, and remember that this hobby is a marathon. Try not to treat it like a sprint.

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