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TravelPointsFamily
United States
เข้าร่วมเมื่อ 10 ก.พ. 2023
The "Points" game is usually shown as a one-person game. Sometimes there's a mention of a P2. But what about people with families? A one-way business class ticket to Dubai is great, but are you really able to get 4 or 5 of them at once?
My name's Ryan and I'm married with three kids. Taking five of us on a vacation isn't cheap! That's why we use credit card points and miles to help subsidize our trips - or cover them altogether. We don't focus on aspirational trips. We focus on getting our family on the vacations we can manage. We make the most of Chase Ultimate Rewards, American Express Membership Rewards, Citi Thank You Points, Capital One Miles to redeem for flights on Southwest, Air Canada, or Delta and for hotels like Marriott, Hyatt, and Hilton.
I've learned how to take advantage of credit card companies instead of letting them take advantage of me. You can too!
Join us. Together we can take our families on the vacations they'll remember forever.
My name's Ryan and I'm married with three kids. Taking five of us on a vacation isn't cheap! That's why we use credit card points and miles to help subsidize our trips - or cover them altogether. We don't focus on aspirational trips. We focus on getting our family on the vacations we can manage. We make the most of Chase Ultimate Rewards, American Express Membership Rewards, Citi Thank You Points, Capital One Miles to redeem for flights on Southwest, Air Canada, or Delta and for hotels like Marriott, Hyatt, and Hilton.
I've learned how to take advantage of credit card companies instead of letting them take advantage of me. You can too!
Join us. Together we can take our families on the vacations they'll remember forever.
Holiday Shopping: Take These Steps To Earn MAX Rewards This Season!
Everyone spends more during the Holidays. Presents, trips, family gatherings, and dining out have us shelling out more than normal. While Nicole and I budget for the Holidays, we also work hard to maximize the rewards we earn on all that spending - to "pointify" that spend.
Here are some of the cards we're using to do so:
Chase Ink Cash:
www.referyourchasecard.com/21s/IANUYJAXG1
Chase Freedom Flex:
www.referyourchasecard.com/18C/G8DAH8MQY8
Chase Ink Unlimited:
www.referyourchasecard.com/21s/J80IMWWWQ3
American Express Business Gold Card:
americanexpress.com/en-us/referral/businessgold-card?ref=RYANSNHoB&XLINK=MYCP
And this is my Rakuten referral:
www.rakuten.com/r/RYANSL123?eeid=28187
Disclosure: The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Do not use this video in lieu of a financial advisor.
Here are some of the cards we're using to do so:
Chase Ink Cash:
www.referyourchasecard.com/21s/IANUYJAXG1
Chase Freedom Flex:
www.referyourchasecard.com/18C/G8DAH8MQY8
Chase Ink Unlimited:
www.referyourchasecard.com/21s/J80IMWWWQ3
American Express Business Gold Card:
americanexpress.com/en-us/referral/businessgold-card?ref=RYANSNHoB&XLINK=MYCP
And this is my Rakuten referral:
www.rakuten.com/r/RYANSL123?eeid=28187
Disclosure: The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Do not use this video in lieu of a financial advisor.
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We spend so much more at this time of year!
I think we all do. There's so much going on at this time of year. Thanks for watching!
Dining with PayPal for the win!
Crazy, right?
Stacks on stacks! Bring in those points.
It takes some time, but there are more points out there than you think.
I love paying less for anything!
Don't we all?!
I spent years thinking that points were a scam!
Sometimes it can seem to good to be true!
Hope it was a good trip. 2.1 is pretty good for a domestic filght. To bad you missed out on the transfer bonus!
@@ryanmatthew24 We had a good time. I got a transfer bonus on the next flight! Thanks for watching!
Worst bank ever
Personal experience or reputation?
Both unfortunately
@@giannaperez8240 Sorry to hear that. I know of Wells Fargo's well documented issues, but I feel that most banks have some predatory inclinations.
That is very helpful tips thanks for sharing keep it up good work.
@@annaahmed2564 Thanks for watching. I'll keep doing my best.
Flip credit score and fraud protection.
Tough call. Doesn't fraud protection help your credit score, too?
I think extended warranties should be higher on the list.
Maybe, but they are all good reasons to use a credit card! Thanks for watching!
Funny thing if you choose Choice Wells Fargo also issues Choice's Co-Branded credit card but you'd get more points using the Wells Fargo Go Far Rewards points to transfer to Choice vs using the Choice credit cards
Go Fins! I never gave too much thought to Wells Fargo before.
It's always good to compare your options. Thanks for watching!
Maybe for plane tickets?
Thanks for watching. The airline partners have a lot of overlap with other programs, so it could be a good secondary system.
I'm not jumping on this, but thanks for the breakdown.
Not every set up is for everyone. Thanks for watching!
Hey folks I applied and didn’t get my card in the mail. I had to call CHASE directly and verify that it was actually me who applied for the card. HELP I don’t understand the timing. My card should arrive last week in October. How can I time my spending to get the Companion pass to last into 2025.
@@hahadarrie First, congrats. Second, I find that annoying and reassuring at the same time. Did you miss out on any large purchases for your SUB?
That's some major value from the SUB!
Sure is!
Where are we going next?
We've got like 5 nights coming up. Check the app! Love ya. Thanks for watching!
Great video! I'm currently debating on the Hyatt for 5 free night awards or the Hilton Surpass. I've enjoyed the Hyatt stays so far, but Hilton has better availability were I want to travel. Many times my family does road trips and don't stay in "big" cities where Hyatt's are located.
The Hilton Surpass is a good card too; it's basically the only card my parents have. Make the decision based on how your family travels. You'll be happier in the long run. Thanks for watching!
That's a great offer for the Hyatt card!
I think so too! Thanks for watching.
I love me some Hyatt!
It's not perfect, but I love it too. Thanks for watching!
Hi Ryan, I am just discovering the world of hotel CC's. As an AMEX platinum card holder, I have gold status with Hilton and Marriott. My question is; do you think it would be worthwhile to obtain a Hilton, or Marriott CC, or would it simply be redundant?
Well you certainly jumped in with both feet! Without knowing your other cards, it's hard to say. But the Platinum card doesn't earn points very well; it's not an earner - it's a benefits card. I think Hilton Gold is better than Marriott Gold, so I would lean more towards a Hilton card. The Hilton Surpass earns a ton of Hilton points and has a reasonable annual fee of $150 with easy to use credits. I'd look at that next. Unless you're a total baller and want to throw down for the Aspire at $550. Thanks for watching!
@@travelpointsfamily Thanks for the response. I was thinking that having a Hilton or Marriott card would be better "points wise." Just needed someone with more knowledge and experience than me to verify it. 👍🏽
You're welcome. I'm learning all the time too. I'm always trying to find new ways to go farther for less.
I applied for the business card approx 6 weeks ago. I’ve already earned the 80k points for the first tier of points. I won’t earn the necessary total 135k points until January. Does that mean that I will have the pass through 2025 and all of 2026?
All 135K points need to be earned during the same calendar year. If you've already earned the 80K, you should see if you can get the remaining 45K you need before December 31st (holding the card will give you a 10K boost towards the Companion Pass). That will earn you the companion pass for the rest of this year and all of 2025. Each of the personal Southwest cards have a 50K offer right now, you could look into one of those.
What is its annual fee?
@@ryan-dedicatededucat6556 Only $95, but there's a $100 hotel credit!
Capital One's cash out rate of 0.5 CPP is ridiculous!
I wouldn't cash out my Miles from Capital One, there are definitely better uses for them!
U keep it realer than most! Thx for this vid. I am a big fan of Citi. I think the Citi setup is an unbeatable earner in the points world and is a better fit for most than the other flashy expensive setups.
Everyone has their own perspective. I'm just sharing mine. Thanks for watching. Enjoy those ThankYou points!
Right now chase is offering 5 nights certs with 4K spend , fairly solid deal , agree ?
💯. If I didn't already have it, I'd be applying now. Thanks for watching!
Hello Sir, Do you need a professional TH-cam thumbnail designer? And you can see my previous work samples. So please let me know if you need any help you grow your views. Actually I'm always ready for you 🥰
great video mate, what's your email? can't find it anywhere....
@@hubermanmentality I appreciate that. Thanks for watching. You can reach me at ryan@travelpointsfamily.com
Just got back from our first family trip flying on points and companion pass! Was great!
That's great! I'm glad the CP worked for you and your family. You'll always remember your first! Thanks for watching!
Great story! Waldorf Astoria is no joke!
@@yvjyang Thanks! My parents had a great time!
Great insight. I think I’d get the Ritz to pair the 85k FNC with your Brilliant. A one night stay at a high end hotel is too short. Having both cards will make a 2-night stay much more enjoyable in my opinion.
@@yvjyang It's definitely tempting, but I would want to make sure I could use the travel credit.
@@travelpointsfamily fair enough I’m not too keen on that $300 credit as well.
Love your breakdown! Just subscribed!
@yvjyang Thanks for watching! Not everyone loves the WOH card, but it meets my needs. I appreciate the SUB too!
@@travelpointsfamily for sure I don’t love it but it gets me late checkout and an annual FNC which I think is a steal for $95!
@yvjyang You don't need to love it. You only need to make it work.
I like the Boundless for the Elite Night Credit after spending $5000.00 and have had it for over 6 years. I recently got the Brilliant and Marriott Business to be able to stack yearly elite nights. All these card are purposeful for me.
I'm glad the Boundless is working for you! I love my Brilliant. I'll be applying for the Mariott Business next year. I'm not eligible for its SUB yet, but it's on my radar!
I got the Marriott Business card a month after I got the Brilliant. That helped me reach Titanium status for next year. Unless you have too many credit cards the Business is possible with having the Brilliant.
The 40 qualifying nights from the Brilliant and Business are big helps with Marriott status! I'd like to get to lifetime Platinum status!
@@travelpointsfamily The 40 nights will be big for me at the start of the year. Getting to Titanium will be a tall task, but do able.
@@edbabits4093 I've never pushed for Titanium. Is it that much better than Platinum?
$450 is a lot for a card! Is any card worth that?
The value is there for some. Thanks for watching!
You're not getting the Ritz? I thought everyone was doing that!
You have to make sure the card (any card) works for you. Thanks for watching!
Your flight analysis at the end, yeah you might be getting more cpp but you need a ton more points. Again if you’re preaching about family travel, you’re going to have to spend a ton to get everyone those same business class flights. The math doesn’t work out for me. I also look at it through the lens of how many trips can I make my points work for me on. I might be able to get 2 or 2.5 “low end” vacations out of those same points by flying “economy” and not staying at resorts. I would rather have the multiple trips in one year versus one all out trip. As they say, YMMV. Flights don’t make up that much time in your vacation as a percentage of time spent, but they are definitely an expensive portion of the total cost. Our family is all about trying to figure out how to stretch the budget for 1-2 trips and turn it into 3-4 trips/year. We’ve previously been to Oahu and the Big Island all on cash purchases for flights. This year I was able to qualify for SW Companion Pass, catch the day of tickets opening for March 2025 and was able to use points for 3 tickets plus a free companion. Also I just checked prices on the exact same flights three weeks later and the cash price has doubled!!! Feeling good about my purchase and I was able to do it with a lot less points, so I can still travel more with my remaining points balance. Good stuff, appreciate the content you are putting out.
2nd view and 2nd comment. Enjoy your content!
Thanks for watching! I'm glad you're enjoying the videos. I'm going to try and keep on putting out quality content.
@@travelpointsfamilyone of the things I like about your approach is the family side of it. Not that the info that these young singles putting out isn’t great, but the game is a little different when trying to travel as a family. I like how you touched on the SW Companion Pass in your Utah trip video. I have that too. Booked our first no cash out of pocket (except fees) on SW for our family or 4 to Seattle the end of September and we scored a sweet deal for spring break to Maui on SW all on SW points. One thing I do to rack up a few extra SW points is rent hotels through SW. I compare the prices to other websites and try to only get the ones with big bonuses that they have not substantially increased the cost for. 5,000 points here, 10,000 there you can get some serious bonus points. Plus you can use whatever favorite travel card you want and get 2x, 3x, whatever on the actual “cost” of the hotel too. Do you do anything similar to this, I haven’t really heard anyone else talk about these extra niche ways of earning points. I’m sure there are others that are probably company and/or card specific.
By spending $15,000 on the Surpass card, you'll receive a free night certificate worth $500 and accumulate between 60,000 to 90,000 Hilton Honors points, valued at $300 to $540. This translates to a return ranging from $800 to $1040, or about 5.33% to 6.93%, which is a reasonable return for frequent Hilton guests. This does not include the $200 resort credits - the $150 annual fee. Nor does it factor the 12x on Hilton spend and gold status.
First of all, thanks for watching! The Surpass provides a ton of value and is a really good, simple option.
You have to remember that there’s two arms, the personal and the business at a bank. I can get approved for most business cards through Amex, but I struggle to to get personal approval The Amex popup doesn’t mean you can’t get approved for the card. Many people have seen the popup and still gotten approved. It just means you’re not eligible for the welcome bonus at that moment. Try changing web browsers, using incognito mode, and different links to improve your chances of getting approved. People might suggest spending more or other tactics, but the truth is only Amex knows why the popup appears. It might be related to regional promos, income levels, credit scores, or account behavior like frequent openings and closings or late payments. Keep trying. I’ve had three instances where I initially got the popup but was approved later by using incognito mode and different links. Just persist!
So you're not really out of Pop-Up jail?
I'll find out after I'm done with this Welcome Offer. Fingers crossed!
What are you going to do with those points?
I have to figure that out. MR points are still new to me. Conventional wisdom says international business flights. But I'll probably wait for a good transfer bonus.
My parents take me to some nice Hyatts!
@JulianSlater-xy5cp That's great! Thanks for watching!
My only issue with the Bonvoy Brilliant is that it earns Marriott points. If it earned Cashback or Amex Membership Reward points, I would have 2. I’ve never gotten more than 0.3cpp of actual value from a Marriott point redemption. (The list price of the room they upgrade me to might be $1100 at time of upgrade, but I would never book a room and pay more than $300, so the value of the upgrade room is still capped at $300).
I'm not going to spread hate on Marriott points (there are some people who love them dearly), but I hear your point. There are definitely stronger ecosystems out there that I target my spending at. Marriott is not my first choice for hotels, but I still find positive value out of this card each year. Thanks for watching and stay tuned for my next video - I'll be talking about my first choice of hotel stays.
Brilliant video!
I see what you did there! Thanks for watching!
MOJO Donuts are much better than Dunkin or Krispy Kreme
I'll have to look for them!
I'm looking into applying for the Brilliant. Was the 2nd free night award a part of the Amex offers?
The 2nd free night was an offer you had to enroll in through Marriott. The Brilliant provides 1 FNA on each card anniversary - which has the potential for HUGE value! Thanks for watching!
I have the WF journey. I know is the one with the least transfer parents but I like its flexibility without the need of using travel portals. Plus I am sure they will be adding more transfer partners in the future. The feel of the card is also great.
@paulnoguera2110 I think you're right about them adding more transfer partners and that will add a lot of value to the card. Thanks for watching!
Thanks 😊
@@angelgreen9945 Thanks for watching!