If You Enjoy the Credit Card Points Game…

Here’s one you may want to take advantage of relatively soon (offers expire April 24th) – the new AmEx Marriott Bonvoy Card – referral link here (yes, if you apply and get approved through this link, I get a bonus)

I’ll cut to the chase on the why (and realize this is all before the bonus you get following signup):

  • Yes, there’s a $450 annual fee – big downside, but you quickly get that back the following ways:
  • $300 annual Marriott credit. Think of all those vacations, work trips, family holidays, weddings, bar mitzvahs, etc. you need to attend. That by itself reduces the net cost of the card to $150.
  • Reimbursement for TSA Precheck or Global Entry (which includes Precheck) $100 value.
  • Priority Pass Select membership – get into airport lounges without flying elite or paying per visit. Do you know how many $7 bad coffees and $12 bad beers / cocktails I’ve been able to avoid on layovers or delayed flights? Not to mention legit food instead of deep-fried or infinitely shelf-stable chips/crips? And clean bathrooms, spacious outlets, proper air conditioning, gorgeous views, etc.? Basic priority pass costs $99 per year PLUS $27 per visit per person. Under the Amex arrangement you get (last I checked) up to four guests on your own admission.
  • Boingo Wifi membership – free. Normally this runs $14.99 per month. It’s not my preferred way to connect, but to each their own.
  • Free gold status in the marriott / bonvoy / starwood system. This is a hidden gem of upgrades, etc. I’ve been able to upgrade from regular rooms to suites avoiding the need to pay for a 2nd room. Easily covered the annual fee of this card in a single transaction.
  • There’s also perks that are common or of not particular interest to me: no foreign transaction fees, 6 points per dollar spent at Marriott hotels, collision damage waiver on rentals, roadside assistance, travel and bag insurance, etc.
  • On your first anniversary (and every anniversary thereafter you get a free night). So, $900 for two years worth of annual fees=$600 in credits, plus free night (variable value), plus PreCheck/Global Entry, plus lounge access, plus boingo…and we still haven’t gotten to the signup bonus.
  • If you get the signup bonus (by spending $5K in 3 months, and I have all kinds of ways you can do that), you’ll get 100K Marriott Bonvoy points – worth between 2-5 nights in Marriott properties (depending on the fanciness of the hotel). You can also transfer these points on a 3:1 basis to lots of airline programs (so ~33K miles).

So in two years – $900 in fees gets you…$600 in credits, plus between 3 and 6 nights in hotels, lounge access, status with the hotel chain, pre-check/global entry, boingo, etc. If you do any traveling this card pays for itself pretty quickly. Oh that link to apply? Right here (and yes, it’s a referral link, I get a bonus too).

Naturally you should pay off your bill every month – bonuses aren’t worth the interest rate you’ll pay. But you know that, right?

R.I.P Steve

I didn’t know Steve Jobs.  Not at all, not a little, not a smidge.  But I feel the need to write something.  I knew him “less” (as in not at all) than some other folks we’ve lost in recent months.  But I find myself feeling a great sense of loss right now.  Not the same kind of loss, of course when you lose someone you know and love personally, but what I can only assume is, what could be called, a communal loss.

I remember watching the news (on a TV no less) when they announced Lucille Ball had died.  I enjoyed ‘I Love Lucy’ and its various incarnations but wasn’t particularly torn up.  I was also pretty young.  It affected my mom quite a bit more though, which itself was very surprising.  It could be she felt a particular connection to Ball because one of the ways she learned about American culture and language when living overseas and moving here was through television.  Ball’s variety of humor lent itself to non-native speakers and so probably meant more to her than other actors of the era.

Ok, back on track. Continue reading R.I.P Steve

Bookmarks for September 13th, 2011 from 12:17 to 13:56

These are my links for September 13th, 2011 from 12:17 to 13:56: