Best uses for Bilt points | Frequent Miler on the Air Ep297 | 3-14-25

There's been a trend where credit card issuers increase annual fees on rewards cards, and attempt to make up for it by adding credits and rebates for somewhat random things (which often require a lot of mental effort and organization to put to use.) Today, we'll speculate how far this trend is going to go... (01:03) - Recent history of couponization (05:51) - Expected refresh of Platinum card Check out the Coffee Break episode 47 where we discussed an expected refresh here, or read more about even more refreshed Platinum card predictions here. (06:43) - Next Airline Card(s) (12:14) - Next Hotel Card(s) (15:20) - Next Consumer Transferable Points Card(s) (17:35) - Next Business Transferable Points Card(s) Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads

A few years ago American Express introduced this kind of model for their Platinum card where they increased their annual fee, but attempted to make up for it by offering a whole collection of credits and rebates that could be valuable if you did the work to make use of them and happened to have natural needs for them. In other words, these new benefits felt a lot like coupons, thus introducing the nickname for these kinds of card benefits. Now, United seems to be taking a page from American Express' book by "couponizing" their credit cards. (02:02) - Denbigh writes in about our "getting started with points and miles" episode saying "Thank You for an episode worth the time, even for an experienced practitioner." Find our Getting started with points & miles episode 298 here. (4:02) - As previously reported, Southwest is planning reduced earnings on paid flights, expiring flight credits, charging for checked bags, and changing the value of points (04:50) - Point value changes already taking place Read more about the variable points values here. (07:23) - Other Info revealed in Southwest's recent video Read more about their updates in that video here. (12:05) - No-go for Capital One / Discover acquisition. DOJ doesn't like it Read more about this DOJ decision here. (12:56) - Citi (seemingly) no longer allowing product changes between card families (15:53) - Greg apparently never got credit for one of his 15 flights... (19:38) - Air France / KLM saver availability from the US stinks (24:23) - Bilt April Rent Day: Up to 100% bonus to Avios (27:59) - Wyndham point sale not as fixed as we thought (thru April 15) Find our Wyndham’s Excellent Point Sale episode 50 here. (29:00) - Six United cards have increased annual fees, decreased benefits (slightly) and added "coupons" (30:32) - Summary of changes (45:45) - New Card Line-Up Overview (46:28) - "Coupon" Deep Dive (1:01:04) - If you still want a United card, which is best? Read more about which United card is best here. (1:05:42) - Which club card is best? (1:08:27) - How do you manage the fear of account shut-down? Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – “Ocean Deep” by Annie Yoder

Wyndham is having an excellent point sale that lasts until April 15th (2025). Read more about it here or listen to this episode for details.  (01:15) - Wyndham point sale: Through April 15th, if you buy 3,000 or more points, you get up to an 80% bonus. (01:47) - Simultaneously, all 3 Wyndham Earner cards have increased welcome bonuses Learn more about the increased bonuses for all 3 Wyndham credit cards here. (02:55) - Vacasa Vacation Rental Learn about Wyndham and Vacasa here. (05:55) - Wyndham Grand Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads  

Winning the game doesn't have to be hard. Points & miles is like complicated board game -- seems overwhelming at first. But the rewards for winning are incredible. In today's main event we'll show you how to get started. (02:09) - Tyler writes in about success with Chase travel insurance Read more about Chase Sapphire Reserve & Ritz-Carlton cards' excellent travel protections here. (03:58) - Bilt rent payment method is changing - read more about it here. (07:27) - Chase biz cards: Pre-approved offers showing when logged in - read more about it here. (09:43) - Wyndham launches debit card, which you can read about here. (12:24) - Amtrak Guest Rewards Preferred Mastercard increased to 40k points, which you can read about here. (14:17) - Citi Rewards+ card may be discontinued soon (16:47) - Read more about the Wyndham point sale here. (17:53) - A listener writes in to say, "I feel like I Bonvoyed Marriott last month" by using a 35K cert for a Marriott in Guyana worth $675/night! (21:09) - Expires April 15, 2025.Hyatt Homes & Hideaways 3x promo (23:04) - Delta eliminates surcharges from Europe (25:07) - Frontier offering free Economy Bundle + free checked bag with promo code FREEBAG, which you can read about here. (26:45) - Get GigSky 15 day international data plan free w/ Visa Infinite & Signature cards + 10% off plans with a promo code, which you can read more about here. (28:50) - Redeem 2,000 Wyndham Rewards points for 2 Minor League Baseball tickets (Book by 3/26/25) - read more about it here. (30:35) - Use Hilton for Business for better cancellation terms and no deposits, which you can read more about here. (32:12) - Savewise: compare portals + find stacks - read more about it here. (41:05) - Earn credit card rewards (big picture) (42:47) - Check out Episode 214 about how to earn millions of points from credit card welcome offers here: https://frequentmiler.com/how-to-earn-millions-of-points-from-credit-card-welcome-offers/ (43:43) - Visit our Best Offers resource here: https://frequentmiler.com/best-credit-card-offers/ (44:08) - Check out Greg's picks for the best current credit card bonuses here: https://frequentmiler.com/top-current-credit-card-offers/ (45:45) - Don't do this unless you pay in full monthly (48:35) - What about credit score? (51:33) - Three types of cards, welcome bonus only, "sock drawer" cards, wallet cards (55:44) - Consider Travel Freely (which you can learn more about here ) (1:01:09) - Learn ways to increase your spend (without really increasing your spend) Listen to this "13 ways to increase credit card spend" podcast Episode197 for more: https://frequentmiler.com/13-ways-to-increase-credit-card-spend-and-get-most-of-it-back/ (1:03:40) - More rewards with Shopping Portals and bank offers (e.g. Amex Offers, Chase Offers)\ (1:06:03) - Spend your points for travel! (1:09:58) - Use tools to find valuable ways to use your points - read this post for which award search tool is best: https://frequentmiler.com/which-award-search-tool-is-best/ (1:14:53) - Check out our post about which hotel award tool is best: https://frequentmiler.com/which-hotel-award-search-tool-is-best/ (1:15:27) - Keep track of your points with AwardWallet, which you can read more about here: https://frequentmiler.com/awardwallet/ (1:18:38) - Multi-Player Listen to podcast episode 292 "Points & Miles 2 Player Mode" here: https://frequentmiler.com/points-miles-2-player-mode-frequent-miler-on-the-air-ep292-1-31-25-podcast/ (1:20:55) - Greg did a long weekend trip to London using points (flying Delta One) which sounded like a lot of effort (and points) for such a short trip. Is there an ideal? Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – “Ocean Deep” by Annie Yoder

(00:10) - In this episode we talk about the airline rewards programs and hotel rewards programs that seem to be changing in value. Some of them are going up in value and some are going down.  (00:42) - Alaska Mileage Plan miles are going up in value (02:08) - Southwest points are going down Listen to our episode about these Southwest changes here. (02:45) - Avianca Lifemiles are going down (04:43) - Hilton points are going up (06:12) - Hyatt points are going down (10:36) - Which transferable points are going up or down? Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads

Bilt Rewards is a program that became famous for giving you rewards for your rent payments, but these days there are many ways to earn Bilt rewards. In this episode, we'll pay special attention to how you might want to use your Bilt points. (01:15) - John writes in with a correction for Nick's statement that there's a "zero percent chance" the tax payment won't count toward the bonus. (06:57) - Andrew writes in about applying for an Amex card by opening up a Private Browser and searching for the card there can bring up a higher offer. (08:49) - Bilt 5x offers (targeted after asking for credit increase) Learn more about the Bilt offer here. Learn more about the Bilt spending offer for groceries, gas, and dining here. (10:38) - Amex coupon credits and bonuses posting slowly (relax / don’t panic) Learn more about Amex coupon credits and bonuses posting slowly here. (13:30) - Marriott cracking down on "additional guest" reservations, which you can read more about here. (20:47) - Southwest for the "win". Read about Southwest's disappointing updates here. (23:28) - Check out our recent podcast episode about these Southwest changes here. (23:38) - Nick finally gets his million (25:14) - Reader winner updates (28:38) - Excellent Virgin Atlantic business class availability as low as 29K points + $254 (31:26) - Aviator companion tickets for the win! Read more about this here. (35:56) - Up to 40% transfer bonus from Capital One Miles to Etihad Guest (41:25) - How not to use your Bilt points (43:46) - 1.25 cpp: book travel through their portal (44:41) - 1.5 cpp: Use points for house down payment (46:23) - Transfer to partners (1:16:55) - Here are the partners you shouldn't transfer to... (1:18:20) - Wait for great Rent Day transfer bonuses (1:20:26) - One reader asks about the Capital One pre-approval tool and whether or not it would cause a hard pull. Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – “Ocean Deep” by Annie Yoder

What do we think are the best hotel programs for outsized value? Have we noticed some of the same Alaska Airlines quirks that our listeners have? What have our experiences with the EVA Air program been (if any)? We answered these questions and more on the Ask Us Anything hosted live on YouTube on March 5th, 2025. 00:40 - What's the most meaningful miles and points trip you've had? 03:16 - Inspired by Nick’s “falling in love with Alaska” post… Let’s play a miles themed version of the old FMK game (the acronym will make sense in a moment, Carrie!) We’ll call it lust, marry, kill rather than the original name. Between Alaska, Aeroplan, and Avios, which is your torrid love affair, which would you settle down with, which ends up left behind? 05:47 - What’s the teams thoughts on how long this Amex to Hawaii to Alaska gravy train will last? 10:56 - Were any of the frequent milers effected by the recent Amex shutdowns? 12:55 - Any tips to reduce/avoid parking fees at airports? I live far enough away that Uber or shuttles are just as much(or more), so is there anything I'm not thinking of? 17:15 - ​​Which airlines offer lie flat seats from the eastern half of the USA to Hawaii with at least some availability via points at a reasonable cost? 19:21 - ​​I don't have any business spend so I'm hesitant to apply for business cards and use it for personal expenses. Is it legal/allowed to put personal spend on business cards? 21:28 ​​Is the 15% Delta Amex discount a real discount or Delta increased the redemption rate before the discount is applied. Their miles seem to be $.012/mile after the 15%. Is their miles really that bad? 24:01 - hey everyone! have any of you ever booked an award flight with EVA? so many quirks to that program but 75-80k to Asia is a good deal. Would love to hear any if your experiences if you have. Thanks! 28:29 - what's up with Alaska's phantom award availability? I've noticed this especially with AA, award space will show in Alaska, sometimes other partners, then Alaska won't ticket. And on Alaska - have you noticed Alaska semi-dynamically pricing AA routes? IE award chart says route should be 7.5k but all routes instead price at 10k or 12.5k? 33:50 - ​​if I took a retention offer to keep amex gold. Will amex take back points if I take an upgrade to platinum offer? 34:31 - ​​I received an offer for the Caesars no annual fee card. with 5000 spend in three months giving me diamond status. Am I crazy for wanting to get it for the free parking, no resorts fee, and food credit 37:45 - When checking if a layover will offer enough time, how can I know in advance if I may be forced to pickup + recheck my bags? Either with a single or multiple carriers? 38:56 - I'm trying to potentially book a Maldives trip with Hilton FNC but I'd like to connect there in style on Qatar and/or Emirates. Considering free night certificates only last a year and flights often are best booked a year out, how would you navigate a trip where flights and hotels might both be high demand options or timelines 44:25 - Which hotel rewards program would you say lately offers the highest probability for outside value? To me, it’s not close I believe Hilton shines in this respect. 51:45 - Have you ever gotten weird looks from the clerk while buying gift cards? 55:03 - ​​I found lots of availability at a SLH thru Hilton. Four nights bookable, but when I went to 5 nights, availability vanished. Is the hotel playing games to avoid 5th night free? Any workaround ideas

Starting May 28 of this year, Southwest will be making some major changes to the things we've known and loved. For example Most people will be losing free checked bags on Southwest starting May 28 of this year, they'll be introducing basic economy, flight credits will now expire (after 6-12 months depending on what type of fare you bought) and the value of points will become much more variable. (01:49) - Commenter Brad says: "I’m an accountant who completely understands the math of cutting expenses or raising revenues to increase profit... I don’t understand, though, what the business strategy is here. Building a strategy that revolves around hoping customers won’t notice you’re charging them more for a worse product doesn’t seem like the kind of pitch that would get you an A in an MBA strategy class." Read the original post where this comment appeared here. (03:38) - 2 Bags No longer Fly Free for Most (pricing not yet disclosed) (05:58) - Basic economy fares (06:33) - Flight credits will expire (From May 28, 2025) (08:29) - Variable redemption rates Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads

In today's episode we'll talk about how American Airlines out-crazies Citi, Southwest out-bonvoys Marriott, and we'll talk about what we think are the 5 best award search tools that make it much easier to find those coveted awards. (01:25) - One reader shares their concerns about tax payments made by an American Express card not counting towards sign up bonus spending. (05:28) - Read more about paying taxes with a credit card here and check out our podcast Episode239 about paying taxes to earn rewards. (05:45) - Capital One Venture X Business cards have a Rideshare Protection benefit (which you can read more about here.) (08:00) - Hilton cards offer free night thru 4/29 (which you can read more about here.) (10:29) - Wyndham Earner cards big bonuses Read more about these Wyndham Earner bonuses here. (13:39) - Citi: accidentally credited a client’s account with $81 trillion when it meant to send only $280 (Read more about this here.) (15:22) - American Airlines made a huge blunder which you can read about here. (19:25) - Marriott StudioRes (26:00) - Southwest for the win Read more about Southwest slashing points earning on Wanna Get Away fares here. (29:52) - Alaska starting to roll out mixed partner awards Read more about this here. (32:23) - Aeroplan Family Points Sharing Returns Read more here. (35:20) - Hilton adds more and more SLH properties (38:06) - Find current transfer bonuses here. (41:14) - Read our post about award search tools here. (42:47) - Live Searches vs. Cached Discovery (47:23) - Alerts are KEY (50:25) - Flexible Live Search is very important (51:59) - Which is Best? (54:57) - Runner up (59:07) - Best for Beginners (1:02:28) - Best for advanced people (1:05:10) - Best add on (to use in addition to these other tools) (1:08:15) - Worth mentioning (1:12:17) - Discounts available in our post about which award search tool is best here. (1:12:28) - What should you do with your Capital One miles? Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – “Ocean Deep” by Annie Yoder

Word on the street is the Amex Platinum card is going to be "refreshed" which may mean new benefits, new cost, new rebates, and more. In this episode, we'll make some predictions about what we might see. (01:06) - Predicting the Refreshed Platinum Card annual fee (02:55) - Earning rate change? (04:04) - Coupon changes? (06:49) - Will the airline incidental fees credit change? (11:57) - Perk changes? Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads