Is the Chase Sapphire Reserve Getting a Makeover? Here’s What We Know

Is Chase Sapphire Reserve Getting a Makeover? Here’s What We Know?

Heads up, if you’ve got the Chase Sapphire Reserve or have been thinking about getting it—changes are on the way, and they’re kind of a mixed bag. If you're a Hawaii-based traveler, here’s what actually matters.

Rumors (which are looking pretty legit at this point) say Chase is planning to roll out some new benefits this summer—but also cut back on how much value you can squeeze from Pay Yourself Back.

💳 What’s Changing With Sapphire Reserve?

Here’s what’s likely coming (based on internal memos and leaks):

What’s Changing:

• Annual fee jumps to $795 (that’s a $245 increase)

• Chase Travel hotel and car rentals drop from 10x to 8x points

• Flights booked through Chase Travel go up from 5x to 8x points

• Direct bookings for flights and hotels increase from 3x to 4x points

• Other travel purchases drop from 3x to just 1x point per dollar

Potential New Perks (a mix of travel, lifestyle, and weirdly specific stuff):

• $500 “Edit Credit”: You’ll get $250 twice a year to use at a curated hotel collection in Chase’s new hotel portal.

• $300 Dining credit: $150 every six months, tied to a new platform called Sapphire Reserve Tables.

• $300 StubHub credit: Again, split into two $150 chunks per year.

• $300 DoorDash credit: Comes as $25/month.

• 1-year DoorDash membership (valued at $120)

• $250 Apple bundle: Toward Apple TV+ and Apple Music

• $120 Lyft credit: 5% back in points, capped at $10/month

• $120 Peloton credit: Earn 10x points on Peloton purchases, up to $10/month

High-Spend Perks (after $75,000 in annual spend… Can I pay my Hawaii mortgage with this??? geeez):

• $500 Southwest Airlines credit

• Southwest A-List status

• IHG One Rewards Diamond Elite Status

• $250 credit for The Shops at Columbus Circle (NYC)

🤙 What This Means for Hawaii Travelers

Let’s be real: Instacart and DoorDash aren’t super useful for most people in Hawaii. Some areas don’t even have reliable delivery, and $15/month for Instacart won’t go far if you’re buying local anyway.

The biggest bummer? Losing 1.5x value on Pay Yourself Back for travel purchases. That was huge if you used your points to cover Hawaiian Airlines, Alaska, or even Airbnb bookings not made through the Chase portal.

If this rumor is true, the card’s flexibility takes a hit—especially for people who prefer booking flights or vacation rentals directly (like many of us do).

🧠 Should You Keep or Ditch the Sapphire Reserve?

Let’s break it down real quick:

Still worth it if you...

• Travel internationally and want lounge access (Priority Pass + Chase Sapphire Lounges)

• Use the $300 travel credit each year

• Book flights/hotels through the Chase Travel portal to get 1.5x value. I don’t use this as much because I mostly trasnfer to Chase’s partners.

Maybe time to downgrade if you...

• Don’t use delivery services like Instacart or DoorDash

• Preferred using Pay Yourself Back for Airbnb, dining, or travel not through Chase

• Don’t fly mainland or international often

🤙 My Take (for Hawaii Travelers)

If you’re flying to Japan, the mainland, or doing international travel even once a year, the Sapphire Reserve might still be worth it, especially paired with the right transfer partners like Air Canada, Virgin Atlantic, or Singapore KrisFlyer.

But if you mainly fly interisland, book directly with Hawaiian Airlines, and don’t care about lounges or delivery apps, this card is starting to lose some of its shine.

One of the saddest downgraded perks was when the Reserve’s Priority Pass lost its restaurant credit. I recall getting $27 dining credit for myself and 2 guests at certain airport restaurants.. thats gone…

I had canceled my Chase Sapphire Reserve in order to reapply and qualify for the Sapphire preferred 100k bonus. I’m on the fence whether or not ill be upgrading to the Reserve.

Hope you do your research and decide if this card is beneficial to you. If perks is your main desire, there are some other high end travel cards I recommend for the Luxury Traveler!

Mahalo,

Scott Kobayashi | Hawaii Reward Travel

Is Priority Pass Worth It for Hawaii Travelers? Here's What You Need to Know

Is Priority Pass Worth It for Hawaii Travelers? Here's What You Need to Know

Power Lounge Premium at Tokyo Haneda joins Priority Pass, 2024

If you're flying out of Hawaii anytime soon and wondering if Priority Pass is worth it, here's the real talk: it’s not very helpful in Hawaii anymore.

As of 2024, the Plumeria Lounge in HNL (Honolulu)—which used to be the main Priority Pass lounge for travelers in Hawaii—was removed from the program. That was pretty much our only “decent” Priority Pass option here. So if you're flying interisland or to the mainland, don’t expect much lounge love from Priority Pass.

But that doesn’t mean Priority Pass is trash. It actually shines in other parts of the world—especially internationally.

✅ When Priority Pass Is Worth It

If you travel internationally, even just once or twice a year, Priority Pass can be super clutch. Here’s where it really adds value:

• Asia – Lounge game in Japan, Korea, Thailand = 🔥. You’ll find clean, quiet lounges with real food and drinks.

• Europe – Most major airports have solid lounges, and Priority Pass gives you access without needing to fly business.

• South America & Australia – Surprisingly good coverage with lounges that serve hot meals and drinks (sometimes even alcohol included).

• U.S. airports with Priority Pass restaurants – Some spots still let you use your membership for $28-$30 food credits.

So yeah, outside of Hawaii, it’s a different story.

🚫 Where Priority Pass Falls Flat

Let’s be honest—Priority Pass in the U.S. can be hit or miss. And for Hawaii travelers, it's mostly a miss. Here’s why:

• No lounges in LIH (Kauai), KOA (Kona), or ITO (Hilo)

• No more access to Plumeria Lounge at HNL

• Long wait times at U.S. lounges even when available

• Some cards don’t include restaurant access anymore, most notably the cards with Chase, AMEX, & Capital one.

Unless you're traveling through mainland hubs like LAX, SFO, or JFK regularly, you might not get your money's worth just flying domestic.

💳 Which Cards Include Priority Pass?

Here are a few cards that include Priority Pass access:

• Chase Sapphire Reserve – Includes Priority Pass lounges, but no restaurants

• Capital One Venture X – Includes Priority Pass lounges, but no restaurants

• Amex Platinum – Includes Priority Pass lounges, but no restaurants

If you already have one of these cards for the points and perks, the lounge access is a nice add-on. But if you're thinking of getting a card just for Priority Pass and you don’t travel internationally, it might not be worth it.

🤙 My Take (for Hawaii Travelers)🤙

If you're flying from Hawaii to Japan, Australia, or even Southeast Asia—Priority Pass is a win. But if most of your travel is interisland or to the mainland U.S., I’d say skip it. Lounge access in Hawaii just isn’t what it used to be.

If you do want lounge perks when flying from HNL or the neighbor islands, you're better off focusing on:

• Hawaiian Airlines first class (they offer their own lounges)

• Amex Centurion Lounges on the mainland (only with Amex Platinum)

• Chase Sapphire Lounges in select U.S. cities

The Chase Sapphire Lounge by The Club at San Diego International, Chase

Have questions about which card is best for you based on how often and where you travel? I got you. Book a free consult and I’ll help you choose the right setup for your travel goals. If you do decide to get one of these card, please consult with us, as we make a small commission per credit card sale.

STILL GET CHANCE. Just need the right game plan.

Mahalo,

Scott Kobayashi | Hawaii Reward Travel

Ciao, Rome! Alaska Airlines Launches Nonstop Seattle–Rome Route, A Game-Changer for Hawaii Travelers

Ciao, Rome! Alaska Airlines Launches Nonstop Seattle–Rome Route, A Game-Changer for Hawaii Travelers

✈️ Alaska Airlines' First Transatlantic Leap

Alaska Airlines is set to make history with its first-ever transatlantic route: a nonstop flight from Seattle-Tacoma International Airport (SEA) to Rome's Leonardo da Vinci–Fiumicino Airport (FCO), commencing in May 2026. This marks the first direct connection between Seattle and the Italian capital, fulfilling a long-standing request from Mileage Plan members and positioning Seattle as a burgeoning global gateway.

The new service will operate four times weekly aboard the Boeing 787-9 Dreamliner, offering departures from Seattle at 6:00 p.m. on Mondays, Wednesdays, Fridays, and Sundays, arriving in Rome at 1:45 p.m. the following day. Return flights will depart Rome at 3:45 p.m. on Mondays, Tuesdays, Thursdays, and Saturdays, arriving in Seattle at 6:00 p.m.

🎥 Alaska Airlines CEO Ben Minicucci shares why launching nonstop service to Rome from Seattle is both a personal milestone and a big win for travelers across the Northwest and beyond.

🌺 What This Means for Hawaii Travelers

For travelers from Hawaii, this new route opens up streamlined access to Europe. With Alaska Airlines' acquisition of Hawaiian Airlines in 2024, the combined network enhances connectivity from the islands to international destinations.

Hawaii residents can now consider a one-stop journey to Rome via Seattle, eliminating the need for multiple layovers in other U.S. cities or European hubs. This is particularly advantageous for those looking to explore Italy or embark on Mediterranean cruises departing from Rome's nearby port, Civitavecchia.

💺 Enhanced Travel Experience

The Boeing 787-9 Dreamliner promises a comfortable and modern travel experience, featuring advanced cabin design, improved air quality, and reduced noise levels. Alaska Airlines aims to introduce a new global experience on this aircraft, aligning with its strategy to expand international offerings following the integration with Hawaiian Airlines.

🎯 Strategic Expansion and Future Plans

The Seattle–Rome route is part of Alaska Airlines' broader "Alaska Accelerate" strategic plan, aiming to deliver $1 billion in incremental profit post-merger. Rome becomes the third widebody international destination served from Seattle, following the launch of flights to Tokyo Narita in May 2025 and the upcoming service to Seoul Incheon in September 2025.

This expansion solidifies Seattle's role as a key hub for international travel on the U.S. West Coast, offering travelers from Hawaii and beyond more options for global exploration.

🗓️ Booking and Early Access

Tickets for the Seattle–Rome flights will be available for purchase starting in fall 2025. Travelers interested in early access can sign up on Alaska Airlines' website to receive notifications and updates.

Final Thoughts

Alaska Airlines' new nonstop service from Seattle to Rome represents a significant milestone in the airline's international expansion and offers Hawaii travelers a more convenient pathway to Europe. With enhanced connectivity, modern aircraft, and strategic growth, this route is poised to become a popular choice for those seeking to explore the rich history and culture of Italy.

-Scottie, Hawaii Reward Travel

Capital One Venture X Lounge Access Changes on February 1, 2026

Capital One Venture X Lounge Access Changes on February 1, 2026

Aloha, Hawaii Travelers!

Big changes are on the horizon for Capital One Venture X and Venture X Business cardholders. Effective February 1, 2026, Capital One is implementing new policies that will impact lounge access benefits—a significant consideration for frequent travelers from Hawaii.

✈️ Key Changes to Lounge Access

1. Authorized User Access Fee

Previously, authorized users enjoyed complimentary lounge access. Starting February 1, 2026, each authorized user will need to pay a $125 annual fee to access:

• Capital One Lounges

• Capital One Landings

• Priority Pass lounges

This applies to both personal and business Venture X cards. You can still add up to four authorized users for free, but lounge access will require the additional fee.

2. Guest Access Restrictions

For personal Venture X cardholders:

• Complimentary guest access to Capital One Lounges and Landings will be eliminated.

• To regain this benefit, you must spend $75,000 annually on your card.

• Without meeting the spending threshold, guest access will cost $45 per adult and $25 per child aged 2-17; children under 2 remain free.

For Venture X Business cardholders:

• The $75,000 annual spending requirement also applies to regain complimentary guest access.

• However, even without meeting this threshold, you can still bring two guests for free into Priority Pass lounges.

3. Priority Pass Guest Access

Personal Venture X cardholders will no longer have complimentary guest access to Priority Pass lounges. Each guest will incur a $35 fee per visit. Venture X Business cardholders retain the benefit of two complimentary guests at Priority Pass lounges.

🌺 Implications for Hawaii Travelers

For travelers from Hawaii, these changes could significantly impact the value derived from the Venture X cards:

• Family Travel: If you frequently travel with family, the additional costs for guest access can add up quickly.

• Inter-Island and Mainland Trips: Given Hawaii's geographic location, lounge access during layovers on mainland trips is a valuable perk that will now come at an extra cost.

• Alternative Options: Depending on your travel habits, it may be worth exploring other premium travel cards that offer more favorable lounge access policies.

💳 Considering Alternatives

If lounge access is a priority for your travel experience, here are some alternatives to consider:

• Chase Sapphire Reserve®: Offers Priority Pass Select membership with complimentary guest access.

• The Platinum Card® from American Express: Provides access to Centurion Lounges, Delta Sky Clubs (when flying Delta), and Priority Pass lounges, though guest policies vary.

Each card has its own set of benefits and fees, so it's essential to assess which aligns best with your travel needs.

Need Personalized Advice?

At Hawaii Reward Travel, we're dedicated to helping you navigate these changes and make the most of your travel rewards. Whether you're considering a new card or need strategies to maximize your current benefits, we're here to assist.

Contact Us for a personalized consultation.

What’s Happening to HawaiianMiles? Big Changes Ahead for Hawaii Travelers

What’s Happening to HawaiianMiles? Big Changes Ahead for Hawaii Travelers

Worried about your HawaiianMiles? You're not alone.
Here at Hawaii Reward Travel, we’ve been getting flooded with questions like:

“Are my miles going to disappear?”
“Should I transfer them to someone?”
“Is it true I can’t use Amex points with Hawaiian anymore?”

Let’s clear the confusion.

HawaiianMiles will officially end in August 2025 as part of the Hawaiian and Alaska Airlines merger. But don’t panic—your miles aren’t going to disappear. They’ll convert 1:1 into Alaska Mileage Plan miles, and we’re here to walk you through how that works and what steps to take today to protect your travel goals.Big changes are coming to our local skies. HawaiianMiles, the loyalty program many of us have relied on for interisland getaways and mainland trips, is set to end in August 2025 as Hawaiian Airlines transitions into Alaska Airlines' Mileage Plan. While your miles won't disappear, the familiar perks and local touches we've come to appreciate will be replaced by a new system.

🌺 What's Changing?

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• HawaiianMiles Program Ends: Starting mid-August 2025, HawaiianMiles will no longer be active. All existing miles will automatically convert to Alaska Airlines Mileage Plan miles at a 1:1 ratio.

• Credit Card Transitions: Barclays-issued Hawaiian Airlines credit cards will be phased out. While a specific end date hasn't been announced, it's anticipated that current cardholders will transition to Bank of America's Alaska Airlines credit cards over time.

• Amex Membership Rewards Transfers Ending: If you've been transferring American Express Membership Rewards points to HawaiianMiles, note that this option will cease after June 30, 2025. Alaska Airlines does not partner with Amex, so this transfer pathway will no longer be available.

✈️ What You Can Do Now

1. Link Your Accounts: Connect your HawaiianMiles and Alaska Mileage Plan accounts to facilitate a smooth transition and manage your miles effectively.

2. Transfer your Miles Soon: Consider transferring your HawaiianMiles before the program ends. It’s likely to expect “hiccups” in integrating the 2 programs.

3. Plan for Credit Card Changes: If you hold a Hawaiian Airlines credit card, stay informed about the upcoming changes and consider how the transition to an Alaska Airlines card might affect your travel rewards strategy.

🤝 We're Here to Help

At Hawaii Reward Travel, we understand that these changes can be unsettling. Our mission is to assist our local community in navigating this transition smoothly. Whether you need help linking accounts, understanding the new Mileage Plan, or exploring alternative travel rewards options, we're here for you.

Feel free to reach out with your questions or concerns. Let's work together to make the most of your travel rewards in this new chapter.

Mahalo nui loa for being part of our travel ‘ohana.

Transfer Your Amex Points to HawaiianMiles Before June 30, 2025

Important Update for Hawaii Residents: Transfer Your Amex Points to HawaiianMiles Before June 30, 2025

If you're a Hawaii resident holding American Express Membership Rewards points, now is the time to act. Effective June 30, 2025, American Express will end its partnership with Hawaiian Airlines, discontinuing the ability to transfer Membership Rewards points to HawaiianMiles. This change also eliminates the indirect route to transfer Amex points to Alaska Airlines Mileage Plan via HawaiianMiles—a valuable option for travelers seeking award flights to and from the mainland and beyond.

Why This Matters to You

As a Hawaii resident, you've had the advantage of transferring Amex points to HawaiianMiles and then moving them to Alaska Airlines Mileage Plan miles. This two-step process opened up access to Alaska's extensive network, including affordable award flights to the mainland U.S., Asia, and Europe. For example, Alaska's Mileage Plan offers economy flights on American Airlines for just 4,500 miles and business-class flights between 1,501 and 3,500 miles starting at 45,000 miles on partners like Aer Lingus.

With the upcoming merger of HawaiianMiles into Alaska's Mileage Plan, this transfer opportunity is closing. After June 30, 2025, you won't be able to transfer Amex points to HawaiianMiles, effectively ending the indirect transfer route to Alaska Airlines miles.

How to Transfer Your Points Before the Deadline

1. Transfer Amex Points to HawaiianMiles: Log into your American Express account and navigate to the "Rewards & Benefits" section. From there, you can transfer Membership Rewards points to HawaiianMiles at a 1:1 ratio. Transfers are typically instant but may take up to two days.

2. Move HawaiianMiles to Alaska Mileage Plan: Once the points are in your HawaiianMiles account, use Hawaiian Airlines' points transfer tool to move them to your Alaska Mileage Plan account here. These transfers are generally instant.

Note: An excise tax offset fee of 0.06 cents per mile (up to $99 per transfer) applies when transferring Amex points to HawaiianMiles. You can pay this fee with an Amex card or cover it with Membership Rewards points, though using points is not recommended due to lower value.

Final Thoughts

This is a limited-time opportunity to maximize the value of your Amex Membership Rewards points by accessing Alaska Airlines' award flights through HawaiianMiles. If you have upcoming travel plans or anticipate future trips, consider transferring your points before the June 30 deadline. After this date, the transfer options will change, potentially limiting your ability to leverage these rewards for travel from Hawaii.

For personalized assistance or more information on maximizing your travel rewards, feel free to contact Hawaii Reward Travel.

Alaska and Hawaiian Airlines Loyalty Programs to Merge in August 2025.

Alaska and Hawaiian Airlines Loyalty Programs to Merge in August 2025

ALOHA! Alaska Airlines and Hawaiian Airlines are set to merge their loyalty programs in August 2025. This development follows Alaska Airlines' acquisition of Hawaiian Airlines, completed in September 2024. The combined loyalty program aims to offer enhanced benefits and streamlined services for frequent flyers in the islands.

🛫 Key Highlights for Hawaii Travelers

• Unified Loyalty Program: The new program will integrate HawaiianMiles into Alaska's Mileage Plan, providing a cohesive experience for members of both airlines.

• 1:1 Mile Conversion: HawaiianMiles will convert to Alaska Mileage Plan miles at a 1:1 ratio, ensuring that your existing miles retain their value.

• Expanded Redemption Options: With Alaska's membership in the oneworld alliance, travelers will have access to a broader network of partner airlines, opening up more destinations for award travel.

• Elite Status Recognition: Hawaiian's Pualani Elite members will see their status recognized within the new program, with details on tier mapping to be announced.

🌺 Implications for Hawaii-Based Flyers

For residents of Hawaii, especially those who frequently travel inter-island or to the mainland, this merger brings several advantages:

• Enhanced Connectivity: The combined network will offer more seamless connections between the islands and various destinations across North America and beyond.

• Improved Earning Potential: With a unified program, travelers can earn and redeem miles more efficiently across a wider range of flights.

• Continued Local Service: Both airlines have committed to maintaining robust inter-island service, ensuring that local travel needs are met.

📅 Timeline and Next Steps

While the exact launch date in August 2025 has not been specified, travelers can expect more detailed information on the combined loyalty program in the coming months. In the meantime, it's advisable to monitor official communications from both airlines to stay informed about upcoming changes.

This merger represents a significant shift in the travel landscape for Hawaii residents, promising enhanced benefits and greater flexibility for loyal customers of both airlines.

Bilt Rewards Partners with Japan Airlines: A New Opportunity for Hawaii Travelers

Bilt Rewards Partners with Japan Airlines: A New Opportunity for Hawaii Travelers

Aloha Travelers, Bilt Rewards has announced a new partnership with Japan Airlines (JAL), allowing members to transfer Bilt Points to JAL's Mileage Bank at a 1:1 ratio. This collaboration is particularly beneficial for Hawaii-based travelers, offering a new avenue to earn and redeem points for flights to Japan and beyond.

Key Highlights of the Bilt-JAL Partnership

• 1:1 Transfer Ratio: Bilt Points can now be transferred to JAL Mileage Bank miles on a one-to-one basis, providing a straightforward way to accumulate miles for international travel.

• Quick Transfer Process: Most transfers are completed within 10 minutes, facilitating timely bookings.

• Access to JAL's Premium Cabins: Members can redeem miles for JAL's award-winning premium cabins, including the new A350-1000 aircraft featuring first-class "JAL Suites" and private business class seating.

• Generous Stopover Policy: JAL allows up to three stopovers on partner airline awards and up to seven on one-world alliance awards, enabling more flexible travel itineraries.

Implications for Hawaii Travelers

For residents of Hawaii, this partnership opens up better travel options:

• Direct Flights to Japan: JAL operates flights from Honolulu to Tokyo, making it convenient for Hawaii travelers to access Japan directly.

• Expanded Network via oneworld Alliance: Through JAL's membership in the oneworld alliance, travelers can connect to various destinations across Asia, Europe, and North America.

• Alternative to Traditional Credit Cards: While the Bilt Mastercard may not be the first recommendation for all travelers, it offers a unique advantage for renters by allowing them to earn points on rent payments without transaction fees.

Considerations Before getting BILT & Transferring Points

• No Sign-Up Bonus: The Bilt Mastercard does not offer a traditional sign-up bonus; points are earned through spending.

• Redemption Restrictions: JAL's Mileage Bank typically requires accounts to be at least 60 days old to redeem miles. However, Bilt members benefit from a reduced waiting period of up to seven days post-transfer.

• Booking Limitations: JAL's award bookings are restricted to family members, which may limit flexibility for some travelers.

Final Thoughts

The Bilt-JAL partnership presents a valuable opportunity for Hawaii-based travelers, especially renters looking to maximize their everyday expenses for travel rewards. By leveraging this collaboration, travelers can access JAL's extensive network and premium services, making international travel more attainable.

If you decide to apply for the BILT card, here is our affiliate link.

Alaska Companion Fare Now Works on Hawaiian Airlines — Here's Why Hawaii Travelers Should Care

If you're flying to or from Hawaii and love stacking travel perks, this one’s for you.

Alaska Airlines just made a huge move that’s going to benefit locals and frequent flyers in the islands in a major way. For the first time ever, the Alaska Companion Fare will be valid on Hawaiian Airlines flights within North America — giving us way more flexibility, comfort, and value.

Let’s break it all down so you can start planning your next Hawaii getaway or mainland adventure like a pro.

✈️ What’s the Alaska Companion Fare?

If you hold the Alaska Airlines Visa Signature® or Alaska Business card, you can earn a Companion Fare each year after spending $6,000. This lets you bring a travel buddy for just $99 + taxes and fees — whether you're flying from Honolulu to Los Angeles, Maui to Seattle, or anywhere else Alaska (and now Hawaiian!) flies.

Until now, you could only use it on Alaska Airlines flights. But starting this summer, you’ll be able to use it on Hawaiian Airlines routes too.

That’s a big deal for us in Hawaii. Here’s why:

🌺 Why This is a Game-Changer for Hawaii Travelers

• More Routes: Hawaiian Airlines has way more nonstop flights between the islands and the mainland, including cities Alaska doesn’t serve directly.

• Bigger Planes, More Comfort: Think wide-body aircraft like the Boeing 787 Dreamliner, complete with Hawaiian’s new Leihoku Suites — lie-flat seats with direct aisle access. Yes, that’s available with a Companion Fare!

• More Availability: Hawaiian’s route network gives us more options to find award space, seats, and great flight times.

🎁 Extra Perks Just Announced

💼 Free Checked Bags

• Alaska cardholders now get 1 free checked bag on Hawaiian Airlines for themselves and up to 6 guests on the same reservation.

• Hawaiian Mastercard holders get 2 free bags on Alaska flights (but only for the primary cardholder).

💺 Free Extra Comfort Seats

Starting April 24, if you’re an Alaska MVP Gold 75K or 100K elite, you’ll get complimentary Extra Comfort seats when flying Hawaiian Airlines.

That means:

• Extra legroom

• Early boarding

• Priority security

• In-seat power

• Amenity kits on select international flights

💡 The Credit Hacker Strategy

Here’s how to stack the value:

1. Use Alaska miles to book your flight (or pay cash with your Alaska card).

2. Apply the Companion Fare for your friend, spouse, or travel buddy.

3. Fly Hawaiian Airlines and enjoy all the upgraded amenities — especially on longer routes.

4. Save on baggage fees (and maybe even score Extra Comfort seats if you’ve got status).

That’s how you turn one credit card perk into hundreds of dollars in value — and a much better travel experience.

🔚 Final Thoughts

If you live in Hawaii or travel here often, this is one of the best moves we've seen in a while. Alaska and Hawaiian are slowly syncing up their benefits, and it’s giving travelers way more flexibility without sacrificing perks or comfort.

So if you’ve got the Alaska Airlines credit card, don’t sleep on that Companion Fare. Starting this summer, you’ve got way more ways to use it — and way more chances to travel smarter.

Maximizing Your Elite Perks with Alaska & Hawaiian Airlines

Maximizing Your Elite Perks with Alaska & Hawaiian Airlines

Hey folks, it's Scottie, the Credit Hacker, here to break down the latest shake-up in the airline loyalty world. Alaska Airlines and Hawaiian Airlines are teaming up to bring some serious perks to their frequent flyers. Let's dive into what this means for you and how you can maximize these new benefits.

Status Match: Double the Elite Perks

If you're an elite member with HawaiianMiles, you can now match your status with Alaska's Mileage Plan. This means Pualani Gold or Platinum members gain equivalent status in Alaska's program, unlocking access to the extensive Oneworld alliance. For those who racked up miles in both programs last year, Alaska is offering an enhanced status match, considering your combined mileage totals. This could bump you up to higher-tier perks like priority services and better award availability. However, if you're not currently holding elite status, the immediate benefits might be limited unless you've flown with both airlines and can combine your miles.

Redeem Alaska Miles on Hawaiian Flights

Alaska Mileage Plan members can now use their miles to book flights operated by Hawaiian Airlines. This adds more flexibility to Alaska's program, which already includes redemptions on partner airlines within the Oneworld alliance. Keep an eye on award availability, though; new redemption options can lead to increased demand, potentially making it trickier to snag those coveted seats.

Elite Benefits Across Airlines

Alaska's elite members now enjoy select perks when flying with Hawaiian Airlines. These include priority check-in and boarding, complimentary baggage, preferred seating at booking, and access to Extra Comfort seats at check-in when available. No need for a separate HawaiianMiles account—just use your Mileage Plan number when booking to enjoy these benefits. Note that these perks apply specifically to flights operated by Hawaiian Airlines and don't extend to Oneworld partners.

Reciprocal Mileage Earning

You can now earn miles in either Mileage Plan or HawaiianMiles, regardless of which airline you're flying. Just make sure to enter your preferred frequent flyer number into your reservation to ensure the miles land in the right account. It's still unclear how this will affect mileage accrual rates over time, especially with the potential full merger of HawaiianMiles into Mileage Plan later this year. Stay tuned for updates on how this might impact your earning potential.

Credit Card Changes

With these loyalty programs merging, there could be changes to co-branded credit cards. Currently, Bank of America issues Alaska Airlines Visa credit cards, while Barclays handles the Hawaiian Airlines Mastercard. As the programs integrate, it's possible that Barclays may stop offering new Hawaiian Airlines cards, and Bank of America could become the sole issuer of co-branded cards.

What's Next?

These changes are paving the way for a single, unified loyalty program expected to launch later this year. While the exact details are still under wraps, the goal is to deliver some of the most generous benefits in the industry. As always, I'll keep you updated on the latest developments and how to hack these new perks to your advantage.

Stay savvy, travelers! ALOHA!

Exploring the Alaska Airlines Mileage Plan: What’s New and Noteworthy

Exploring the Alaska Airlines Mileage Plan: What’s New and Noteworthy

If you’re an Alaska Airlines Mileage Plan member—or just curious about the program—there’s plenty to love, especially with the exciting changes following their acquisition of Hawaiian Airlines. Alaska Mileage Plan remains one of the most rewarding airline loyalty programs, thanks to its valuable miles, strong partnerships, and unique perks.

The 2023 entry into the oneworld alliance significantly expanded Alaska’s global reach, introducing a unified award chart with excellent redemption "sweet spots." The recent acquisition of Hawaiian Airlines adds even more appeal, with HawaiianMiles temporarily transferable to Alaska miles on a 1:1 basis, offering new ways to combine miles.

Core benefits like generous mileage earnings and easier-to-achieve elite status continue to make the program a favorite, especially for West Coast travelers. With its evolving features and integration with Hawaiian Airlines, Alaska Mileage Plan is a loyalty program worth exploring. Here’s a quick overview of the Alaska Airlines Plan.

What’s New with Alaska Airlines Post-Acquisition of Hawaiian Airlines?

The acquisition of Hawaiian Airlines opens up new opportunities for Alaska Airlines Mileage Plan members. Here are some of the standout updates:

• New Transoceanic Flights: Alaska Airlines now offers flights from the U.S. to Japan and Korea, with some featuring lie-flat seats—great news for those seeking a more comfortable long-haul journey.

• New Premium Credit Card: Expected perks include earning 3x points abroad, a companion fare (not limited to paid flights), and elite status boosts.

• Improved Award Booking Options: Soon, members will be able to book award tickets that combine multiple partners, breaking free of the current "one non-Alaska partner" restriction.

What Makes Alaska Airlines Mileage Plan Stand Out?

Even before the Hawaiian Airlines merger, Alaska’s Mileage Plan had plenty of features that appealed to frequent flyers:

• Mileage-Based Earnings: You earn miles for paid flights based on distance flown rather than ticket cost, which is especially beneficial for domestic economy flights.

• Elite Status Benefits: Achieving elite status is reportedly easier compared to other airline programs.

• Free Stopovers: Add a free stopover to most one-way award tickets, essentially giving you an extra destination.

• Flexible Award Changes: Changing award tickets is free and hassle-free.

• Sweet Spot Awards: Alaska’s award chart includes excellent value routes, often referred to as "sweet spots" by frequent flyers.

• Shared Miles for Awards: You can pool miles from multiple accounts to pay for an award flight.

• Elite Qualifying Miles on Partner Awards: Even partner award bookings earn elite qualifying miles based on distance flown.

Potential Drawbacks of the Alaska Airlines Mileage Plan

No mileage program is perfect, and Alaska Airlines is no exception. Here are a few limitations to consider:

• Limited International Routes: Alaska is still building its presence outside North America, although their strong network of partners helps mitigate this.

• First Class Critiques: Alaska’s first-class offerings don’t measure up to some competitors, though the Hawaiian Airlines acquisition may lead to improvements.

• Fewer Transfer Options: Unlike other airlines, Alaska doesn’t have robust partnerships with bank rewards programs, except for Bilt.

• Single Non-Alaska Partner Restriction: Currently, award bookings can only include one non-Alaska partner, though this is set to change soon.

For Hawai‘i-based travelers, these updates are especially exciting. Whether you’re booking interisland flights or dreaming of international adventures, Alaska Airlines is leveling up its offerings to meet your needs.

If you want a more in depth look into the Alaska Mileage program, the Frequent Miler wrote a comprehensive guide here.

Happy flying!

Aloha,

The Credit Hacker

Unlock the Potential of Alaska Airlines Miles with the Hawaiian Airlines Merger

Unlock the Potential of Alaska Airlines Miles with the Hawaiian Airlines Merger

Exciting news for points and miles enthusiasts! The much-anticipated merger between Alaska Airlines and Hawaiian Airlines is progressing, with significant benefits already emerging for travelers and loyalty program fans. While the Department of Transportation has yet to finalize the merger, Alaska and Hawaiian Airlines have started laying the groundwork for a seamless integration.

As part of the transition, you can now transfer miles between the two airlines at a 1:1 ratio, unlocking exciting opportunities to maximize Alaska Airlines miles. If you're serious about boosting your miles game, this is your chance—and with our Credit Hacker Accelerated Program, you can capitalize on it like a pro.

Why This Merger Is a Game-Changer

According to Hawaiian Airlines, the two airlines plan to merge loyalty programs once the merger is complete. While the new program won’t launch immediately, the ability to transfer miles now is already a big win for travelers.

This development allows you to leverage Hawaiian Airlines’ unique partnerships and transfer points to Alaska Airlines, opening up new avenues for earning miles—especially valuable for booking Alaska’s sweet-spot redemptions.

How to Earn More Alaska Airlines Miles

Here’s where things get interesting for credit card users and points enthusiasts:

1. Hawaiian Airlines Cards

   • Both the Hawaiian Airlines® Business Mastercard® and the personal version offer excellent opportunities to rack up miles. These cards will be discontinued post-merger, so now is the time to act. I don’t recommend holding this card long term, but it’s worth it just to get the signup bonus and pay the annual fee for one year only.

     Bonus Tip: Business cards don’t count toward Chase’s 5/24 rule, making the business version particularly appealing for savvy earners.

2. American Express Membership Rewards

• If you’re like every other person with a Hawaiian Miles credit card, you can instead move towards the AMEX credit cards. You can transfer AMEX Membership Rewards points to Hawaiian Airlines at a 1:1 ratio, and then to Alaska Airlines. This indirect route to earning Alaska miles may not last forever, so it’s worth exploring while it’s still available.

3. Credit Hacker Accelerated Program

• Don’t miss out on our program to help you strategically sign up for credit cards, maximize bonuses, and dominate the points and miles game.

• With our guidance, you can make the most of cards like the AMEX Platinum, Gold, or Green for lucrative Membership Rewards points, which can fuel your Alaska Airlines account.

Alaska Airlines Sweet Spots

Alaska Airlines has a reputation for offering some of the best value for miles. Here are some examples:

I found non stop flights as low as 9,000 points from HNL → SFO

• Domestic Flights: Fly within the U.S. starting at just 4,000 miles one way.

• International Flights: Book a round trip from Seattle to Tokyo for just 60,000 miles plus minimal fees.

• Stopovers: Alaska’s free stopover policy adds even more value, letting you explore two destinations on one ticket.

I found non-stop one way business class seats on JAL (Alaska’s Partner) for 60,000 miles.

What to Do Next

DO:

• Transfer AMEX points to Hawaiian Airlines if you have an immediate Alaska Airlines redemption in mind.

• Use the Credit Hacker Accelerated Program to strategically choose your next cards for earning miles. We include Amiercan express cards in our strategy.

DON’T:

• Transfer miles speculatively. Only transfer when you have a specific redemption in mind, as points stuck in one program can limit flexibility.

What Happens After the Merger?

There’s still uncertainty about how things will shake out post-merger, but here’s what we know:

• Hawaiian Airlines cards will transition to Alaska Airlines cards.

• Alaska’s award chart may see changes (possibly less favorable).

• Hawaiian may stop being an AMEX transfer partner.

By acting now, you can lock in today’s benefits before potential devaluations.

Why Sign Up Through the Credit Hacker Accelerated Program?

Navigating the points and miles world can be overwhelming, but with our program, you’ll learn how to:

• Maximize your rewards across multiple credit cards.

• Avoid common pitfalls, like applying for cards in the wrong order.

• Accumulate miles faster than ever to book your dream trips.

Sign up now and let’s make the most of this Alaska-Hawaiian merger opportunity!

The Ultimate Hotel Staycation Credit Card

Aloha Hawaii Travelers & Staycationers! If you frequently like to staycay in spacious rooms, get complimentary upgrades & enjoy hotel amenities, the Hilton Honors American Express Aspire Card is your ticket to unparalleled luxury and rewards. While its annual fee might seem steep, don’t let that deter you. We usually do staycations a year at a Hilton property with this card and get huge returns back in upgrades, statement credits and the overall guest experience. We’ve done the legwork and are excited to share why this card could be a game-changer for your travel experience.

10 Key Benefits of the Hilton Honors Aspire Card

1. Attractive Welcome Offer ($900 Value)

The Hilton Honors American Express Aspire Card greets you with a robust welcome offer. After meeting the spending requirements, you'll earn 150,000 Hilton Honors points, worth approximately $750. This bonus is a fantastic way to kickstart your point collection.

2. Exceptional Earnings at Hilton Properties ($350 Value)

Spend at Hilton hotels and you’ll rack up 14 Hilton Honors points per dollar spent. For instance, if you spend $5,000 annually at Hilton properties, that’s 70,000 points valued around $350. This reward rate is a real win for frequent Hilton guests.

3. Generous Travel Earnings ($175 Value)

Earn 7 Hilton Honors points per dollar on flights, AmexTravel.com bookings, car rentals, and U.S. restaurant purchases. Spend about $5,000 annually in these categories, and you’ll earn 35,000 points, valued at $175.

4. Points on Every Purchase ($450 Value)

The view with my daughter from the ocean view corner suite in the Rainbow Tower at the Hilton Hawaiian Village. 

The card gives you 3 Hilton Honors points per dollar on all other purchases. With an average spend of $2,500 monthly, you’ll accumulate 90,000 points worth about $450 annually.

5. Complimentary Hilton Honors Diamond Status ($2,500+ Value)

This by far is my favorite benefit with this card. You get to enjoy automatic Hilton Honors Diamond status, which usually requires significant stays or points. This status includes perks like room upgrades, executive lounge access, and a 100% point bonus on stays. With the Aspire Card, you’re looking at potentially $2,500 in value, depending on your stay frequency.

6. Free Reward Night After Account Opening ($1,000 Value)

Soon after approval, you’ll receive a certificate for a free night. This benefit applies to any day of the week and continues with an annual free night on each card anniversary, valued around $1,000. These don't expire and can be stacked with each other!

7. Additional Free Nights with Spending ($100 Each)

Spend $30,000 in a calendar year and earn an extra free night certificate, then another for spending $60,000. These benefits, valued at $100 each, reward your loyalty with even more opportunities to stay for free.

8. Fifth Night Free ($250 Value)

Book five or more consecutive award nights with your Hilton Honors points and get the fifth night free. This can stretch your points significantly, with an estimated value of $250.

Statement Credits

9. $200 Airline Credit ($200 Value)

Receive up to $50 quarterly for airline purchases, either directly or through AmexTravel.com. This adds up to $200 annually.

10. $400 Hilton Resort Credit ($400 Value)

Prices are currently lower at the Grand Wailea in Maui for 2024 + 2025 when you book with Hilton points. Prices were a low as 110,000 points a night.

Enjoy up to $400 in statement credits each year for purchases at Hilton resorts, including room rates and upgrades, valued at the full $400. The credit are distributed in semester increments, so $200 for the first half of the calendar year and the other $200 for the second half. How I use this is I book a cheap room for ~$200 of the statement credit to apply and then I upgrade to the suite using our Hilton Diamond status.

11. $100 Credit at Waldorf Astoria and Conrad Properties ($25 Value)

Get a $100 statement credit for eligible on-site purchases when booking a 2-night stay at these luxury properties, valued around $25. In Hawaii, the ideal place to book this is at the Grand Wailea, A Waldorf Astoria Resort in Maui.

Additional Perks

Comprehensive Travel and Shopping Protections

The Aspire Card offers extensive benefits including car rental insurance, trip cancellation coverage, baggage protection, and more. For shopping, enjoy benefits like extended warranty, purchase protection, and cell phone coverage.

Comparison with Other Hilton Cards

If the Aspire Card’s annual fee feels too high, consider the Hilton Honors American Express Surpass® Card or the Hilton Honors American Express Card. They offer great rewards and benefits at lower annual fees:

• Hilton Honors American Express Surpass® Card: Offers Gold status and annual Hilton credits with a $150 fee.

• Hilton Honors American Express Card: Provides Silver status and good earnings on everyday spending with no annual fee.

Final Thoughts

For frequent Hilton travelers & Hawaii Staycationers, the Hilton Honors American Express Aspire Card is a top choice, delivering exceptional benefits and rewards. Even occasional Hilton guests will find value in a Hilton-branded American Express card. Choose the one that best aligns with your travel habits and enjoy the perks of Hilton loyalty. If you are interested in applying for this card and suing our referral link, you can apply here.

Aloha and happy travels! 🌴

Top 5 Credit Cards for College Students: Build Credit and Earn Rewards

Whether you're heading to a local university or venturing to a school across the country, embarking on college life is a major transition. It's a time marked by new friendships, newfound freedoms, and significant responsibilities. One of the most pressing responsibilities for many college students is managing finances, especially as the "Bank of Mom and Dad" is no longer an option. This often raises the question: Should you get a credit card, and if so, which one?

Before diving into options, it’s crucial to understand the seriousness of credit cards. They require careful management; missed payments and late fees can quickly accumulate, impacting your long-term financial health. If you can handle a credit card responsibly—using it only for necessities and ensuring timely payments—getting one early can be a smart financial move. It helps build your credit history and may offer valuable rewards.

When selecting a credit card, students have several excellent options. Here’s a look at some top choices:

1.Chase Freedom Unlimited®

The Chase Freedom Unlimited® stands out as one of the best no-annual-fee credit cards available. It offers unlimited 1.5% cash back on every purchase, with enhanced rewards in specific categories: 3% cash back on dining and drugstore purchases, and 5% cash back on travel booked through Chase Travel℠ and Lyft rides (until March 2025). New cardholders can earn an additional 1.5% cash back on up to $20,000 spent in the first year, potentially totaling $300 cash back. This card also helps you earn Chase Ultimate Rewards points, which can be combined with other Chase cards for enhanced travel benefits.

2. Bilt Mastercard®

For students who face high rent payments, the Bilt Mastercard® offers a unique benefit: earning points on rent payments without extra processing fees. It’s useful for off-campus housing but not for campus room and board. Beyond rent, the Bilt Card earns 1 point per dollar on everyday purchases, with bonus points in select categories like dining (3x) and travel (2x). Bilt points can be redeemed for travel, Amazon purchases, or merchandise, making this card a versatile choice.

3. Capital One SavorOne Student Cash Rewards Credit Card

Capital One’s SavorOne Student card is ideal for students who spend on dining, entertainment, and streaming services. It offers 3% cash back in these categories, plus 1% on all other purchases. New cardholders can benefit from a welcome offer and earn additional cash back on Uber and Uber Eats purchases. The card also pairs well with Capital One’s travel cards for those looking to maximize rewards in the future.

4. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card provides a $200 cash back bonus after spending $500 in the first three months. It also offers unlimited 2% cash back on all purchases, which simplifies earning rewards without tracking categories. Additionally, it includes up to $600 in cell phone protection, providing extra peace of mind for students with mobile bills.

5. Citi Double Cash® Card

The Citi Double Cash® Card is known for its straightforward rewards: 1% cash back on purchases and an additional 1% cash back when you pay your bill, effectively making it a 2% cash back card. It also has a $200 bonus offer after spending $1,500 in the first six months. The simplicity and high rewards rate make it a strong choice for students starting with credit.

Tips for Getting Started with a Credit Card

Credit cards are a serious responsibility. While they offer valuable rewards, they should not lead to debt. If you're not ready to manage credit responsibly, stick with cash or debit. However, when used wisely, credit cards are excellent tools for building credit and earning rewards on purchases. Remember, some schools may allow you to pay tuition with a credit card, but be cautious of processing fees that could offset your rewards.

Application Tips

When applying for a credit card, use a permanent address, like your home address, rather than your college address, unless you have proof of residency. For income, include all sources, such as parental support or scholarships, to present a complete financial picture. Many student cards are designed for those with limited credit histories, so don’t worry if you’re just starting out.

Bottom Line

As you prepare for college, deciding on the right credit card can be pivotal. While credit cards are significant financial tools, they can help build your credit and offer rewards if used wisely. Evaluate the fees, benefits, and rewards of each card to find the best fit for your needs.

The Complete Points & Miles Breakdown of our Japan Trip 2024

How to book a 2024 Japan trip using Points & Miles.

Scott Kobayashi • June 5, 2024

Our originally projected expense for our Japan journey totaled $16,357.34. However, we managed to cover the entire cost using points and miles, with just a $408 expenditure on taxes. Intrigued? Allow me to unravel the process in three phases:

1. Flight from Honolulu (HNL) to Tokyo Narita (NRT)

2. Accommodation at The Prince Park Tower Tokyo

3. Return flight from Tokyo Haneda (HND) to Honolulu (HNL)

I'll dive into both our point redemption strategy and the methods we employed to accumulate these points at an accelerated pace."

1. Flying Business Class on Hawaiian Airlines from Honolulu, Hawaii to Narita, Japan - 65,000 Hawaiian Miles + 52,500 American Airlines Miles

Hawaiian Airlines Business class product to Japan

On our first flight, we booked two business class tickets on Hawaiian Airlines (H821) from Honolulu to Narita, Japan. This flight was on Hawaiian’s A330 aircraft and left Honolulu at 12:40pm on May 20 and arrived in Narita at 4:00pm on May 21st.

I booked my ticket using 52,500 American Airlines miles to book a Hawaiian Airlines award flight through my American American account. You can use America Airlines miles to book Hawaiian Airlines and Japan Airlines flights when available. Those flight awards are hard to come by these days, but I was able to find one on the dates I was looking at.

The only way to earn these miles from credit cards is by applying for Citi American Airlines branded credit cards that earn American Airlines Miles.

Hawaiian Airlines Business class flight for 52,500 AA Miles.

For my wife, I transferred 65,000 BILT Rewards points to her Hawaiian airlines account to book her business class ticket for 65,000 Hawaiian miles which are 50% the regular price of 130,000 Hawaiian miles.

At the time of booking, a one-way business class ticket on Hawaiian Airlines costed $2439.15. Discovering dates with a 50% discount for business class flights on Hawaiian Airlines equates to a redemption value of 2.8 cents per Hawaiian mile, which is exceptionally favorable! I regularly share these 50% off deals on my Instagram page @thecredithacker.

2. A 4 Night Stay at the The Prince Park Tower Tokyo - 146,869 Chase Ultimate Reward Points

ザ・プリンス パークタワー東京 4 Chome-8-1 Shibakoen, Minato City, Tokyo 105-8563, Japan

Our view from our room on floor 31

Our stay at this luxurious 5-star hotel marked the most significant expense of our entire trip. I had meticulously researched this property months in advance, and it was a must-stay for me. Without a doubt, it ranks as my favorite hotel experience to date. Room prices are decent, but I paid for a special room with a tower view and Premium club floor access.

Japanese Style breakfast at SHIBAZAKURA

Some extra perks that came with our stay were:

• Access to the Premium Club, floor 32 which had appetizers, snacks and drinks all throughout the day

• Daily Breakfast credit ($38 USD each)

• Access to private driver for one drive a day up to 10km from the hotel (only if you stay at least 3 nights)

• Free Access to the Hotel Onsen, Spa, & Gym

• 24/7 Concierge service for floors 29-31 (premium club floors)

I paid a total of 146,869 Chase Ultimate Reward Points through Chase’s Travel portal. I currently hold the Chase Sapphire Reserve card so I get a 50% bonus value on my points when I redeem through the portal. The costs of our hotel stay would have been $2,203.04.

3. Flying Business Class on All Nippon Airways (ANA) from Haneda, Japan to Honolulu, Hawaii - 70,000 Chase Ultimate Rewards Points

As of 23rd May 2024, VIRGIN has raised prices to 75,000 miles round trip, it previously was 70,000 miles.

I was eagerly anticipating this flight, primarily because we secured business class seats for just 35,000 points each, but also because we could finally enjoy some much-needed rest on lie-flat seats as we headed back home to Honolulu.

Securing these seats wasn't simple, as most award seats had already been claimed. However, ANA releases four seats daily, ten days prior to departure. Admittedly, it's a risky endeavor, but the payoff is substantial considering the retail cost of each seat exceeded $4,000! Utilizing Seats.aero, I managed to locate two business class seats for May 25th. Having already transferred my Chase points to Virgin Airlines miles, I promptly used them to book the ANA seats. For a step-by-step guide on using Chase points to book ANA flights through Virgin Atlantic, check out "HOW TO FLY TO JAPAN."

After confirming the availability of award seats, I immediately contacted Virgin Atlantic to secure our booking on May 16th, just nine days prior to departure. Throughout the year, I've closely monitored this flight on Seats.aero and observed that ANA typically releases 4 Business class seats every nine out of ten days leading up to departure. Hence, I estimate there's about a 90% chance of securing a seat. If you're apprehensive about the risk involved, I recommend:

1. Booking a refundable flight using cash. If award flights become available, simply cancel your cash booking and switch to the rewards flight.

2. Maintaining flexibility and ensuring you have a two-day window prior to departure to increase your chances of finding business class availability.

3. Leveraging Chase points to book a last-minute economy flight through the portal if business class seats don't open up on your preferred date.

High risk, High Reward! Retail value of each seat was $4,638.00 x 2 = $9,276.00, bring our cost per point to an astonishing 13.2 cents!

Final Costs Breakdown

1. Hawaiian Airlines Business class from HNL -> NRT

   • Dollar Cost Total: $4,878.30

   • What we paid in Points: 52,500 AA Miles + 65,000 HA Miles = 117,500 miles

2. Hotel stay at the The Prince Park Tower Tokyo

   • Dollar Cost Total: $2,203.04.

   • What we paid in Points: 146,869 Chase Ultimate Reward Points

3. All Nippon Airways Business class from HND -> HNL

   • Dollar Cost Total:$9,276.00

   • What we paid in Points: 70,000 Chase Ultimate Reward Points + $408 tax

   Total cost of the trip = $16,357.34

   We paid = 334,369 Points + Miles + $408 in taxes

   Points Breakdown: 52,500 AA Miles + 65,000 HA miles + 216,869 Chase Points

*Want to earn 415,000 chase points in a year?

We have a 5-card strategy that we will walk you through to earn those points for a combined credit card annual fee of $190.

If you are interested, click here to learn more!

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Chase Sapphire Preferred and Reserve: Limited-Time Bonus of 75,000 Points.

Chase Sapphire Preferred and Reserve: Limited-Time Bonus of 75,000 Points.

Starting May 2, 2024, both the Chase Sapphire Preferred® and the Chase Sapphire Reserve® cards will provide a whopping 75,000 bonus points after spending $4,000 on purchases within the first three months of opening an account. This increase from the previous 60,000 bonus points offer significantly sweetens the deal for prospective cardholders.

Travel rewards aficionados have long favored the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® cards for their comprehensive rewards programs and extensive travel benefits. Now, Chase has upped the ante with an irresistible limited-time welcome bonus, making these cards even more enticing options for savvy travelers.

Are these cards worth it beyond the sign-up bonus?

Chase Sapphire Preferred

For those wary of hefty annual fees, the Chase Sapphire Preferred® Card, with its $95 annual fee, offers substantial rewards at an attractive rate. Cardholders will

• Earn 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases eligible for the $50 Annual Chase Travel Hotel Credit)

• Earn 5x points on Lyft rides through March 31, 2025,

• Earn 2x points on travel purchases

• Earn 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target, and wholesale clubs).

• Gain a generous $50 hotel statement credit for Chase-booked stays, a 10% account anniversary points bonus, and valuable travel protections like primary auto rental coverage, trip cancellation and interruption insurance, and travel and baggage delay coverage.

• One standout feature is the ability to redeem points for travel through Chase at a 25% bonus, maximizing their value. This means the 75,000 point welcome bonus could be worth up to $937.50 in travel rewards, adding significant value for cardholders.

Chase Sapphire Reserve

For those seeking a top-tier rewards card packed with exclusive features, the Chase Sapphire Reserve, with its $550 annual fee, presents an enticing option. Here's what the card offers in terms of rewards:

• Earn 10x points on hotel and car rental purchases made through Chase Travel℠ immediately after the first $300 is spent on travel annually.

• Enjoy 5x points on flights booked through Chase Travel℠ immediately after the first $300 is spent on travel annually.

• Receive 3x points on other travel and dining expenditures (including eligible food delivery services) not booked through Chase after the initial $300 is spent on travel annually.

• Earn 1x point on all other purchases.

• Gain 10 points per dollar spent on Lyft rides through March 2025.

In addition to its robust rewards program, the Chase Sapphire Reserve offers a plethora of premium perks, including access to exclusive airport lounges via a Priority Pass Select membership, an annual $300 travel credit, reimbursement for Trusted Traveler application fees, and VIP car rental benefits.

One notable feature of the Sapphire Reserve card is that points are worth 50% more when redeemed for travel through Chase. This means that the 75,000 bonus points could potentially be valued at up to $1,125 when used for travel bookings through Chase, making it an incredibly valuable option for frequent travelers looking to maximize their rewards.

And here's a pro tip: if you applied for either of these cards over 48 months ago, you may be eligible to receive another sign-up bonus, further enhancing the rewards potential.

Final Thoughts

With their limited time welcome bonuses and impressive rewards structures, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® cards are poised to become even more indispensable tools for travelers seeking to maximize their rewards and enjoy unparalleled travel benefits. We think Chase cards are foundational to any credit hacker’s credit card portfolio.

Read: "Unlocking Value: 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

This article has affiliate links that provide commission to The Credit Hacker.

"Unlocking Value: The Top 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

"Unlocking Value: 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

One of the best ways to redeem Chase Ultimate Reward points for travel is by transferring them to one of Chase's 14 Transfer Partners. If you're unsure how to transfer Chase points, check our how to guide here. Remember, you'll need a Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred card to transfer points. Some transfer partners are better than others, so let's explore five of my favorites.

1. Hyatt: Optimal Hotel Redemption

When it comes to hotel redemptions, Hyatt is the shining star among Chase's transfer partners. With a 1:1 transfer ratio, your Chase points go a long way with Hyatt. What sets Hyatt apart is its fixed award chart, providing predictability and transparency in redemption rates. Whether it's an off-peak getaway or a peak season retreat, you'll always know how many points you need for your stay, ensuring excellent value for your Chase points.

12,000 Hyatt points per night at Hyatt Regency Tokyo Bay

15,000 points for Hyatt House at Anaheim for hotels near Disneyland.

2. Iberia: Affordable Business Class Flights

Iberia offers some of the most affordable rates for international business class flights, making it an attractive option for travelers seeking luxury without breaking the bank. With just 34,000 points one way from the East Coast and Midwest to Madrid during off-peak periods, Iberia provides a full business class experience at an economy price. Add in frequent transfer bonuses, and you've got yourself a winning strategy for maximizing your Chase points.

17,000 Avios for Economy & 34,000 Avios for Business Class

3. British Airways: Access to OneWorld Alliance

While you can't transfer Chase points directly to American Airlines, you can transfer them to British Airways, a member of the OneWorld Alliance. This opens up opportunities to book flights with American Airlines and other OneWorld partners using British Airways Avios. With competitive redemption rates and access to a vast network of airlines, including Qatar Airways and Japan Airlines, British Airways offers flexibility and value for your Chase points.

Economy flights on Japan Airlines starting at 25,750 miles + fees from HNL to Nagoya, Japan.

4. Flying Blue: Flexible Redemption Options

Flying Blue, the loyalty program for Air France and KLM, offers flexibility and value for Chase Ultimate Reward Points. With competitive redemption rates for both economy and business class flights, Flying Blue is a versatile option for travelers. Take advantage of monthly promo rewards and occasional transfer bonuses to score excellent deals on award flights to Europe and beyond. With diligent search efforts, you can unlock hidden gems and maximize your travel experience.

Direct Business class seats from JFK - AMS (Amsterdam)

5. Aeroplan: Comprehensive Star Alliance Access

Aeroplan, the loyalty program for Air Canada, provides comprehensive access to the Star Alliance network, making it an ideal choice for travelers seeking diverse redemption options. With a wide range of partner airlines, including United, Singapore Airlines, and Lufthansa, Aeroplan offers flexibility and convenience in booking award flights. Compare redemption rates and availability across different programs to make the most out of your Chase Ultimate Reward Points.

Direct United flights from HNL to SFO for 12,500 Aeroplan Points

Conclusion

Your Chase Ultimate Reward Points offer endless possibilities for unforgettable travel experiences. By leveraging transfer partners like Hyatt, Iberia, Flying Blue, British Airways, and Aeroplan, you can maximize the value of your points and unlock premium rewards. Whether you're dreaming of luxury hotel stays or business class flights, these strategies provide achievable and rewarding options for travelers of all kinds.

Unlocking Value: Amex Offers 30% Bonus on Transfers to Virgin Atlantic until May 31, 2024.

Unlocking Value: Amex Offers 30% Bonus on Transfers to Virgin Atlantic

American Express Membership Rewards has launched an enticing promotion, offering a 30% bonus on transfers to Virgin Atlantic Flying Club. This offer is available starting on April 21 and extends through May 31, 2024.

Here are the key details:

• Eligibility: To take advantage of this offer, you must be an eligible Membership Rewards® Card Member enrolled in Virgin Atlantic Flying Club.

• Minimum Transfer: The minimum transfer requirement is 1,000 Membership Rewards points.

• Redemption Period: The exclusive offer is redeemable from 12:00 a.m. MT on April 21, 2024, to 11:59 p.m. MT on May 31, 2024.

• Bonus Points: Enjoy an additional 30% Virgin Points added to your transfer at the time of completion.

• Transfer Time: While transfers are generally immediate, please allow up to 72 hours for the points to reflect in your Virgin Atlantic Flying Club account.

Our Take:

Todd (@Hawaiiaward travel) redeeming his Virgin Atlantic Miles for ANA First Class “The Suite” from HNL to Narita.

This promotion presents a valuable opportunity for travelers who can find suitable award availability with Virgin Atlantic or its partner airlines. Virgin Atlantic Flying Club boasts several attractive redemption options, including the renowned Delta One to Europe for just 50,000 Virgin Atlantic Flying Club points and ANA first class to Japan for just a little more, a considerable saving compared to Delta's SkyMiles pricing.

While Virgin Atlantic flights often entail high surcharges, particularly on their own flights, this offer can still make sense for individuals who would otherwise pay for a Virgin Atlantic flight. It's worth noting that surcharges tend to be more affordable when departing from certain foreign destinations.

In summary, with its 30% bonus offer, Amex provides a compelling incentive for card members to explore the possibilities within Virgin Atlantic Flying Club's redemption options.

Our Favortie American Express Cards:

1. The American Express Gold Card

   • The American Express® Gold Card is a fantastic choice for anyone who enjoys dining out and shopping for groceries. With 4 points per dollar on both dining purchases and U.S. supermarket spending, you'll quickly rack up rewards on everyday purchases.

     Plus, new cardholders can take advantage of a generous welcome bonus of 60,000 Membership Rewards® points after spending $6,000 on eligible purchases within the first 6 months.

     While the card does have an annual fee of $250, the benefits more than make up for it. Monthly dining credits and Uber Cash help offset the cost, making this card a great value for those who love to indulge in good food and earn rewards while doing so.

2. The American Express Platinum Card

   • The Platinum Card® is a top-tier luxury card with a $695 annual fee. But for that price, you get some incredible benefits. You'll earn 5 points per dollar when booking flights with airlines or through AmEx Travel (up to $500,000 annually) and on prepaid hotel reservations through AmEx Travel.

     Plus, there's a hefty welcome bonus of 80,000 Membership Rewards® Points after spending $8,000 in the first 6 months. You'll also enjoy fee credits for Global Entry or TSA PreCheck, up to $500 in annual Uber credits, $200 in airline fee credits, $200 in credits for Fine Hotels + Resorts® or The Hotel Collection bookings, $300 for Equinox, $240 for entertainment purchases, and $100 at Saks Fifth Avenue. You even get automatic Gold elite status with Hilton and Marriott. Terms apply for enrollment and benefits.

3. The American Express Business Gold Card

   • The American Express® Business Gold Card is designed to match your spending patterns, making it a valuable option for many businesses. You'll earn 4x Membership Rewards points on two categories where you spend the most each month, with options like advertising, gas stations, and restaurants.

     Plus, you'll get 3x points on flights and prepaid hotels booked through AmEx Travel. Another standout feature is the 25% rebate on airline redemptions when using Pay With Points, potentially giving you a higher value per point compared to other cards. With a welcome offer worth up to $930 in value, this card is definitely worth considering for businesses looking to maximize their rewards. Terms apply.

5 Reasons to Cancel your Hawaiian Airlines Credit Card.

5 Reasons to Cancel your Hawaiian Airlines Credit Card.

If you’re a frequent traveler or a loyal customer of Hawaiian Airlines, you might have opted for their co-branded credit card at some point. Their marketing is prevalent everywhere across Hawaii from magazines, commercials, social media and the enticing extra bonus when you sign mid-flight

While these cards often come with enticing benefits and rewards, there are times when it might make sense to reassess your credit card lineup. Here are five compelling reasons why you might consider canceling your Hawaiian Airlines credit card.

1. It doesn’t earn a lot of miles through spending

   While Hawaiian Airlines credit cards offer generous rewards for purchases made with the airline, they often lack versatility when it comes to earning rewards on other spending categories. If you find yourself spending more on other airlines, hotels, or everyday purchases, you might benefit more from a general travel rewards card that offers flexible redemption options.

2. You can only redeem your miles with Hawaiian Airlines.

   Your travel needs and preferences may evolve over time. If you find yourself flying with Hawaiian Airlines less frequently or if your travel patterns shift to destinations not serviced by the airline, the benefits of holding a Hawaiian Airlines credit card may diminish. In such cases, you might find greater value in a credit card with more flexible redemption options or broader airline partnerships.

3. Not worth the annual fee.

   Many airline credit cards, including those offered by Hawaiian Airlines, come with annual fees. If you’re not fully utilizing the card’s benefits to offset the annual fee, it might not be worth keeping. Assess whether the value you receive from the card's perks, such as free checked bags or companion fares, outweighs the cost of the annual fee.

4. Lack of Additional Benefits.

   While Hawaiian Airlines credit cards offer perks such as priority boarding, discounted in-flight purchases, and anniversary bonuses, these benefits may not be compelling enough for some cardholders. If you find that you’re not taking advantage of these additional benefits or if you can access similar perks through other credit cards or loyalty programs, it might be time to reconsider holding onto your Hawaiian Airlines credit card.

5. Eligibility for Better Offers.

   Credit card issuers frequently update their card offerings and launch new products with enhanced benefits and sign-up bonuses. By canceling your Hawaiian Airlines credit card, you free up space to apply for new credit cards that better align with your current spending habits and travel goals. Keep an eye out for promotions and offers from other issuers that might provide greater value and rewards.

Here are 3 Better Credit Card Programs that can Book Hawaiian Airlines Flights.

1. American Express Cards

2. The BILT Card

3. Chase Cards (If you transfer to partners with Hawaiian Airlines like )

FINAL THOUGHTS:

While Hawaiian Airlines credit cards can be valuable for loyal customers and frequent travelers to Hawaii, there are instances where canceling the card might be a prudent financial decision. By evaluating your spending habits, travel patterns, and the overall value you receive from the card, you can make an informed choice about whether to keep or cancel your Hawaiian Airlines credit card.

The Hawaiian Airlines Miles & Rewards economy isn’t highly valued, and Hawaiian Miles are the easiest miles to earn. If you want to learn more about how we are able to earn points & miles faster, check out our accelerated credit card strategy here.

The Guide to Chase Ink Business Cash & Unlimited Cards

The Guide to Chase Ink Business Cash & Unlimited Cards

Updated as of March 21, 2024! The Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card stand out as premier business cards for earning points. With no annual fee, these cards offer the flexibility to convert rewards into Chase Ultimate Rewards®, my preferred rewards currency. Converting a $750 bonus yields 75,000 Ultimate Rewards points, transferable to 11 airline partners and 3 hotel partners, including Hyatt, Southwest Airlines, and United Airlines. Explore my top 9 ways to utilize Ultimate Rewards and find my complete guide here.

While these cards share many similarities, there are notable differences. Notably, as of March 21, 2024, the Chase Ink Business Cash® Credit Card unveils a new welcome offer!

Welcome Bonuses:

Both the Ink Cash and Ink Unlimited cards offer a cash back welcome bonus, typically $750.

Although similar, the welcome offers have differences. With the Ink Cash, you get six months to spend and earn the full $750 cash back. This is split into two tiers: $350 after spending $3,000 in the first three months, and an additional $400 after spending $6,000 in the first six months.

A new Ink Cash offer includes a 10% Business Relationship Bonus. If you have a Chase Business Checking account on your first card anniversary, you'll earn a one-time 10% bonus on all eligible cash back earned in your first year, excluding the welcome offer. Note: this offer is available for Ink Business Cash cards opened between March 17 and November 17, 2024.

The Ink Unlimited offers a $750 welcome bonus after spending $6,000 in the first three months.

Remember to pair your card(s) with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card to transfer your points to Chase’s airline and hotel partners. Your $750 cash back converts to 75,000 Chase Ultimate Rewards® points, transferable at a 1:1 ratio to airlines and hotels.

Earning Categories:

One key difference between these cards lies in their earning categories. Typically, during your initial spending period, you'll earn more with the Ink Unlimited card—unless you spend heavily in bonus categories for the Ink Cash card.

If you open a Business Checking account with Chase and continue spending on an Ink Cash card throughout the year, you'll earn more through the Ink Cash Relationship Bonus. However, you'll receive these bonus points only on your first account anniversary.

Ink Business Cash® Credit Card Earning:

• Earn 5% cash back on the first $25,000 spent on combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

• Earn 2% cash back on the first $25,000 spent on combined purchases at gas stations and restaurants each account anniversary year.

• Earn 1% cash back on all other purchases, with no limit on how much you can earn.

Ink Business Unlimited® Credit Card Earning:

• Earn unlimited 1.5% Cash Back rewards on every purchase.

Earning Multiple Bonuses on Ink Cards: Firstly, you can open at least one of each Ink card to maximize Chase Ultimate Rewards® earnings.

Moreover, if you have multiple businesses, you can open each card with both your EIN and your SSN. This allows you to separate business expenses efficiently, a practice Chase recognizes and accommodates.

$0 Annual Fees:

The best part about these 2 cards is that there is NO ANNUAL FEE.

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CHASE INK BUSINESS CASH

LEARN MORE

WELCOME OFFER: UP TO $750

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend a total of $6,000 on purchases in the first six months after account opening. This can be worth a total of 75,000 points.

ANNUAL FEE:

$0

• Highlights

  If you have a Chase Sapphire Preferred® Card, you have the option to transfer the Ink points to the Sapphire card, unlocking all the benefits associated with airline and hotel transfers!

  Receive 5% cash back on the initial $25,000 spent on combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

• Our Take

  When we have big expenses, we prefer using Chase Ink cards to meet spending targets. Though the bonus is labeled as cash back, if you have a Chase Sapphire Preferred® Card, you can combine these points with your Sapphire card. However, this isn't an option if you have a Chase Ink Business Premier℠ Credit Card.

• Bonus History

  In the past, this card used to give a $500 bonus when you spent $3000 in 3 months. During the pandemic, it changed to $750 after spending $7500 in 3 months. Then, in fall 2022, it increased to $900 after spending $6,000 in 3 months, ending in March 2023. From September 2023 to January 2024, the $900 offer returned. The new tiered offer, giving you 6 months to spend $6000 and earn $750, started in March 2024.

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CHASE INK BUSINESS UNLIMITED

LEARN MORE

WELCOME OFFER: UP TO $750

Earn $750 (can be worth 75,000 points) after you spend $6,000 in 3 months

ANNUAL FEE:

$0

• Highlights

  If you have the Chase Sapphire Preferred® Card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!

  Earn unlimited 1.5% Cash Back rewards on every purchase

• Our take

  We prefer using Chase Ink cards for covering big expenses and meeting higher minimum spend requirements. The bonus for these cards comes in cash back. But if you have a Chase Sapphire Preferred® Card, you can merge the cash back points with your Sapphire card. Note: This isn't possible with a Chase Ink Business Premier℠ Credit Card.

  You can apply for a Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card. If you have multiple businesses, you can get multiple cards. Remember to refer your spouse to maximize benefits.

• Bonus History

  In the past, this card used to give a $500 bonus when you spent $3000 in 3 months. During the pandemic, it changed to $750 after spending $7500 in 3 months. Then, in fall 2022, it increased to $900 after spending $6,000 in 3 months, ending in March 2023. From September 2023 to January 2024, the $900 offer returned. The new tiered offer, giving you 6 months to spend $6000 and earn $750, started in March 2024.

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Frequently Asked Questions:

Do these cards earn cash back or points?

These cards offer bonuses listed in cash back, which technically equate to a version of Chase Ultimate Rewards® redeemable exclusively as cash back. However, there's an exception: when you pair your Ink card(s) with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card, you can transfer your points to Chase's airline and hotel transfer partners for greater value.

Which card should I open?

If you frequent office supply stores like Staples or Office Max/Office Depot, the Ink Cash card is ideal, offering 5x rewards at these stores. It's also suitable if you prefer spreading your spending requirement over six months. If office supply stores aren't your go-to, the Ink Unlimited is a solid choice, earning a flat 1.5 cents per point on most purchases.

What if I don’t have a Sapphire card yet?

You can open one of the Chase Ink cards now and then apply for a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card later. Having a Sapphire card first isn't necessary. Alternatively, if your spouse has a Sapphire card and you don’t, you can call Chase to transfer your Chase Ultimate Rewards® from your Ink card(s) to your spouse’s account to maximize their value. Points can be combined across your household.

I’m not sure I can hit the $6k spend requirement?

If meeting a $6,000 spending requirement seems daunting, explore our tips for reaching high minimum spends. Alternatively, consider the Ink Cash card, which offers the option to spend $6,000 over a total of six months.

Can I put personal expenses on a business card?

Yes, it's common to use a business card for personal expenses. Credit card issuers don't report your spending to the IRS or anyone else, so there are no tax implications. However, if you have genuine business expenses, it's important to track them separately for tax purposes.

What benefits do these cards include?

Aside from a generous welcome bonus and no annual fee, the Chase Business Ink Cash® Credit Card and Chase Business Ink Unlimited® Credit Cards offer additional perks such as

1. purchase protection

2. extended warranty protection

3. travel and emergency assistance

4. and roadside dispatch.

What can I do with Chase Ultimate Rewards®?

Discover the possibilities with your Chase Ultimate Rewards® by exploring our top 9 uses for Ultimate Rewards and our comprehensive Ultimate Rewards guide. These points can be redeemed for various travel experiences, including trips to Europe, resort stays in Hawaii, all-inclusive vacations in the Caribbean, family road trips, and much more!