Author Archives: Gomanson

2015 Gas Savings Total

My target for gas savings on my work commute for the year was $600.  As I alluded to in my last update, I exceeded the goal.

Drum roll please…

In 2015, for commute miles only, I saved $614.28 by using free gas tactics!

The total gasoline cost for my to drive to and from work last year was $3,457.79.  After the $614.28 in discounts my out-of-pocket cost was $2843.51.  That means that last year 17.78% of my gasoline was free!

2015-gas-total

How did I do it?

The free gas tactic is pretty simple.  A common gas station brand in my area is Super America.  By swiping your rewards card every time you buy gas, you get a $0.03/gallon discount.  Pay with a pre-loaded fuel gift card (which you purchased earlier with your points-earning credit card of course!) and you get another $0.03/gallon off.  Then, clip competitors’ coupons out of the junk mail for an additional $0.07-0.10 off per gallon.

Every time you make a purchase at SA, be it the pre-loaded fuel gift card OR the actual fuel purchase, you earn points.  Every few weeks I have enough points to buy a $0.50/gallon gas couponThe magic happens on Tuesdays when Super America doubles all coupons.  With a max of 25 gallons, the big coupon is worth $25 in free gas!

As a bonus step you can post your results on the outside of your cubicle so all your co-workers want to visit valuetactics.com

As a bonus step you can post your results on the outside of your cubicle so all your co-workers want to visit valuetactics.com

If you don’t have any Super Americas in your area, keep an eye out for similar deals at your local gas stations.  Small savings at the pump can really add up!

Weekly Update (2015 Final)

Wow, it’s been a while since my last post.  Don’t worry; I’m still around!  I’ve been busy and have had a bit of writer’s block.  I’ll post an updated update soon, but in the meantime, here is the half-baked post that’s been sitting in draft form for almost a month and a half! . . .

This update covers the second half of December.  The year ended with a gas discount rally, as I used my SA Rewards to buy 2 of the big $25 coupons.  I ended up with $56.80 in free gas in the last 2 1/2 weeks!  I’ll give a full run down of the 2015 totals in the next update but here’s a hint: I exceeded my $600 goal!

On Christmas night I did our monthly credit card and points spreadsheet update.  Here’s what the previous month of points earning got us:

  • earned 483 airline miles
  • earned 11,758 hotel points
  • earned 973 Citi Thank-You points
  • earned 591 Chase Ultimate Rewards
  • redeemed 6 hotel nights ($2,610.12 value) with free night certificates
  • used 90,000 Delta SkyMiles for 2 RT flights to Hawaii (MSP-OGG)

New Posts This Week
3 Years of Collecting Points Could be Worth $77k contains a summary of the value I’ve received by collecting points and miles.  It also calculates an average value per point and then applies that to my remaining points balances for some surprisingly large figures! (based on two people’s points collecting – my wife and I)

3 Years of Collecting Points Could be Worth $77k

I recently tallied up all the cash back, deferred interest, purchase reimbursements, airfare, and hotel stays that we’ve received from 3 years’ worth of points-earning credit cards.  The results shocked everyone who’ve seen them, including myself!  Jump ahead to my data or read some background information on how I derived these numbers…

Quantifying the value of points and miles is difficult.  Many bloggers regularly publish lists wherein they try to estimate the value of a variety of points and miles.  These are useful for comparing the relative worth of different points and miles, but sometimes I question the absolute values they come up with.  They base their estimations off theoretical redemption values, which is tricky to do accurately.

Every points/miles redemption comes with opportunity costs.  Every points transfer comes with risks.  The cash price of award seats and hotel stays fluctuate in the time between booking and flying/staying.  For this reason I decided to do my analysis empirically instead of theoretically.  The data set I used was Nicoleen’s and my history of points and miles redemptions from the first three years (roughly) after getting the sign-up bonus on our first points-earning credit card.

How I measured value
As I discussed in this post, there is no perfect method of measuring the value of redeemed points and miles.  For certain types of redemptions (most notably business and first class airline tickets) one could make the argument that the amount of money I saved by using miles to book the ticket has to be less than the cash price of the ticket.  After all, had I paid cash I wouldn’t have paid the exorbitant price of the business or first class ticket; I would have bought an economy class ticket.  On the other hand, I did receive the benefits and experience of flying in the premium cabin, so looking at it this way is an argument for counting the cash value of the actual experience I received.

Furthermore, without using value tactics to book the flights and/or lodging, there are certainly several trips I wouldn’t have taken at all.  In those cases, you could argue my savings was $0.00.  I saved nothing on the trip because I wasn’t going to pay for it in the first place.  But then you could just as easily argue that since the whole trip was a “bonus,” it was actually more valuable than the cash price because of the excitement of going on a trip I couldn’t normally afford.

In my own case, I redeemed some miles for extremely high mile:dollar ratios, such as the $9821 one-way, first class tickets to Europe last summer.  I also had some fairly wimpy award redemptions, like when I used a free night certificate on a $198 hotel stay.  The same certificate could have been used at properties with $1000+/night price tags.  The efficiency level at which I have spent my points and miles is varied, but all in all I think I have a pretty reasonable redemption profile.

One last note before I present the data:  Although I tallied up all our redemptions and come up with an overall average value per point, this figure is really just for fun.  The real purpose of this post is to silence the skeptics and show that messing around with credit cards, points, and miles IS WORTH IT!  As I tell my friends over and over, the effort they see me put into this game does not represent the effort they would need to exert to get the same results.  I have the additional tasks of writing this blog, helping others with points redemptions, reading enough other blogs and forums to fake like I’m an expert, and developing tracking tools and spreadsheets specifically so that you can skip the “is it worth it” assessment.  I’ve done the math for you and it’s worth it!  Read on for proof…

The Data


Here’s the summary table.  Explanations are below.
3yeartotals

Totals is pretty self explanatory.
Cash Totals includes all cash or cash equivalent in the forms of bonuses, reimbursements, category cash back/reimbursements, etc.
Airfare Totals is self explanatory.
Hotel/Lodging Totals is self explanatory. I used the room rate for the premium room if the stay included an upgrade to that room type as a result of status we only had by having active credit card accounts.
Aggregate Point Totals includes only redemptions paid for with points. For example, free night certificates were not included because no points or miles were used.

I added our current point balances to the total points we already spent. This number represents the total points we earned in about a 3 year period. I then applied the average aggregate value per point to this number to come up with the $77,178.80. This is the value of points redemptions we could theoretically receive with our three years of playing the credit card game!

I also totaled the estimated savings we got by shifting our revolving balances to cards with interest free promotional periods. I use the interest rate we were paying on the single card out entire balance was on when we started getting new cards as the bench mark. We’ve saved an estimated $1,774.94 in interest in 3 years of opening new cards!

3 year chart

Stay tuned to a future blog post where I will delve deeper into which cards and programs earned us the most value, how much our average credit card application was worth, what this has done to our credit scores, and more!

Weekly Update (December 14th, 2015)

Sorry about the radio silence, folks.  I’ve been doing a lot with value tactics but just haven’t taken the time to write about it.  It’s been three weeks since my last update, so here’s a summary of what using value tactics can do for you in less than a month:

  • Used a Hilton free night certificate at the Embassy Suites in St. Paul
  • Booked flights to Hawaii for my Nicoleen and I for $22.40
  • Booked $2,610.11 worth of hotel stays in Hawaii for $0.00, using more free night certificates
  • Saved $17.07 in gas by using free gas tactics

United Club passes up for grabs!
I have 2 free passes to use at any United Club airport lounge that are expiring on December 1st.  I’m giving these away to anyone who can use them in exchange for taking a few pictures and reporting back on your impressions of the lounge.  Read this facebook post for more info, and to check if they have been spoken for.

New Blog Posts
American Airlines 777-300ER First Class JFK – LHR is a review of our first class transatlantic flight on our anniversary trip this summer.  Read the post to see what a $9,821 one-way flight looks (and tastes) like!
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Credit Card News
Personal Card News:
I recently cancelled my Citi Hilton HHonors Reserve card.  Ever since Hilton’s massive points devaluation of 2013 it’s my opinion that Hilton HHonors points are not even worth pursuing.  If you happen to collect them here or there, fine.  But paying the $95 annual fee to keep the points-earning card isn’t worth it to me.  (I paid the up-front $95 annual fee for the first year when I got the card – the two free nights I redeemed from the sign-up bonus were worth over $500, so my experience with this card was valuable as a whole.)

cancel
I also cancelled my Wells Fargo Propel to avoid paying the $175 annual fee.  This was the easiest call to cancel a card I have ever made!  The customer service rep agreed the annual fee was way too high, proactively notified me that the fee would be removed within a few days, told me how much interest was daily accruing on my remaining balance, and never once try to convince me to keep the card.  The whole call took about 3 minutes.

We have hit the bonus spending requirements on all three hotel cards we recently acquired.  For the last one I bought a couple hundred dollars of gift cards to our usual grocery store and local gas station.  This wasn’t to sneak in the spend before the required deadline, but rather to get my two free nights ASAP, since they were the last two pieces in the puzzle for our upcoming Hawaii trip.

General Card News:
There is no earth shattering news on the credit card front.  My current recommendation for most people just starting out or who want a single, versatile card is still the Chase Sapphire Preferred.  The bonus for this card recently jumped from 40,000 Ultimate Rewards to 50,000.  This could have been in response to the waning draw of this card due to Chase’s new account approval process and the rise of competitors like the Citi Thank-You Premier.  Look for an upcoming post outlining why beginning with Chase cards is now key to any points and miles strategy.

Travel News
embassy suitesLast weekend Nicoleen and I took our two oldest kids to the Embassy Suites in St. Paul.  The impetus for this this micro-vacation was to use an expiring free night certificate at a Hilton property.  The hotel comes with a few nice perks like a nightly manager’s reception and complimentary full breakfast buffet.  It was a nice little get-away and the price was right!

Hawaii here we come!  It’s official: we used a combination of Hyatt free night certificates, Hilton free weekend night certificates, and Delta Skymiles to book a nearly free trip to Hawaii for next September.  Neither of us have been there and it’s been on my bucket list since I was a kid.  We are excited 🙂

Now you’re updated. Go employ some Value Tactics!

American Airlines 777-300ER First Class JFK – LHR

This post is part of a series reviewing our 2015 Anniversary trip to Europe.  For a full list of the posts in this series, and for an overview of the trip, check out the index page.

300erstripOur entire itinerary was planned around this flight, the showpiece of the whole “surprise Nicoleen” plan.  I had actually wanted to book us business class seats (50k miles one-way) on the same flight but none were available at the saver award level for the entire summer.  First class saver seats were only 12.5k miles more however, and I wanted access to the 777-300ER’s premium class stand-up snack bar, so I searched for first class saver seats.  There were only a few saver level first class seats available, and only one date had a pair of seats.  Luckily that date worked within our other constraints, so I booked them (62k miles one-way, each).

But before I get to the flight…

Having been delayed on our ORD-JFK flight, we only had an hour to spare at JFK before boarding began for our transatlantic flight to London-Heathrow (LHF).  While Nicoleen would have been happy to stop by the Admiral’s Club for a beverage, I was determined to see both lounges we had access to, American’s Flagship Lounge and Admiral’s Club.

At JFK both American Airlines lounges share a lobby area in Terminal 8.  An elevator takes you from the concourse up to the lobby where the staff at the desk check your privilege and point you toward whichever lounge you have access to.  (Click here to go to American Airlines’ page on lounge access requirements.)  We were waived through to the Flagship lounge and politely reminded that we didn’t have much time before boarding would begin.

The JFK Flagship Lounge struck me as long and narrow.  It has a nice big window along one entire side, looking out over the tarmacs and runway.  My visit was brief so I didn’t get to explore every nook and cranny, nor take advantage of all the amenities.  The JFK Flagship Lounge was much more crowded than our experience at the Chicago O’Hare Flagship Lounge, but this very well could have been due to the time of day more than anything.  The food seemed more picked over and old as well, but not deplorable by any means.  I made a small snack of chicken, cheese, and olives, grabbed a beer, and scarfed it down while Nicoleen watched.  She was worried about making the flight, so she went ahead of me to board.

After my quick snack I took a walk through the Admiral’s club and found it to be even more crowded than the Flagship Lounge.  During my quick walk-through I saw no noticeable differences from the Admiral’s Club we walked through at ORD.

On to the flight…

After my brief snack at the Flagship Lounge I had to scurry down to the gate for boarding.  By the time I got there nearly everyone had boarded.  I don’t personally put much value in early boarding; I have a back issue that makes sitting painful so for me the more time spent upright, the better.  I was warmly welcomed by the attendant and shown to my seat, 1A, where I found Nicoleen settling in across from me in 1D.
777-300ER1

Seconds after sitting down I was handed a bottle of water and offered champagne, which I accepted.

The purser offered us a choice of several newspapers and quickly moved onto getting our meal orders.  As I have previously stated, I’m not much of a wine connoisseur but I do enjoy good wine (in much the same way as a dog “appreciates” a good steak – he doesn’t quite understand why it’s good, but he still likes it).  With some guidance I chose one of the whites and was not disappointed.

Another little bonus for flying in a premium cabin is the amenity kits often offered.  Although not in the cool iPad case bag I had expected from previous reports, the kit had all of the goodies I was expecting:
777-300ERamenity

The meal service
After knowing about this trip for months and having the meal choices available online for over 30 days, you’d think I should have been able to order quickly.  As it happened, I think I was still debating the food options after Nicoleen had ordered.  I settled on the Thai chicken starter, creamy carrot soup, the salad of mixed greens with artichokes and feta, the seared halibut with gremolata, and the royale chocolate mousse cake for dessert.
777-300ERfood1
777-300ERfood2
777-300ERfood3
777-300ERfood4
777-300ERfood5

I should have probably skipped the snack at the Flagship Lounge because I was fairly well full by the time the fish came, but oh well; I’m a sucker for free food!  Overall the food was pretty good.  The Thai chicken and salad were excellent, and the soup was interesting (unexpectedly spicy!), but the fish was a bit dry and rubbery and the seasoning was nothing to write home about.  The presentation was good but I found a piece of dried on food stuck to a piece of silverware…not something you’d expect to find in a first class service.

A cool feature of this first class cabin is that the footrest doubles as a jump seat, complete with seat belt, so that you can dine across from your traveling companion.  The tray table is deep enough for two place settings.  We weren’t planning on doing this however, due to Nicoleen’s baby belly.  She was plenty happy to enjoy all the room her own seat afforded her!  The purser never mentioned this as a possibility though, which was the start of a series of not being shown or offered many of the amenities this flight had available.

After dinner
According to other reviews I had read on this first class cabin, we were supposed to be offered pajamas and slippers (yes- to keep), an amenity kit in a cool bag that doubles as an iPad carrying case, and turn down service.  Nicoleen started watching a movie and I purchased the in-flight wi-fi so I could send a few e-mails saying “I’m sending this from an airplane!”

Side note: One of the biggest “problems” about flying in these cool lie-flat first and business cabins is properly splitting your time between sleeping, which is actually possible with these seats; and enjoying all the other entertainment, eating, and drinking options.  I would have loved to have milled around at the stand-up snack bar or ordered some beers and watched a movie (in comfort, for once!).  On the other hand, I had a rare opportunity to get some real, quality sleep on a flight due to the lie-flat seat.  It was tough to divide the time.  This conundrum brings to mind some valuetactics wisdom: The value of paying extra (miles or dollars) for premium cabins, especially with lie-flat seats, vastly increases as the length of the flight increases.

After a while I started wondering about the stand-up stack bar I was enamored with, and was part of the reason I wanted to fly on this aircraft.  It is located between the first and business class cabins, and when I went to check if it was operational I found the flight attendants assembling the snacks.  I was told that it was almost ready but that I didn’t have to use the lowly business class area; I could go to the first class galley for the first-class only version (which I had not read anything about).  So I went up in front of first class and found the purser and another attendant putting the finishing touches on the snacks there.
777-300ERsnack1This would have been great had I not been completely stuffed after eating about 5 meals’ worth of food in the past 12 hours!  I wanted to see the “real” stand-up snack bar though, so I deigned to walk among the plebeian masses and stepped between first and business class to that area, which had mostly the same snacks as the first class gallery but looks waaaay cooler:
777-300ERsnack2777-300ERsnack3After checking out the snack bars I decided I’d better get a few hours sleep on this overnight flight.  I was surprised we hadn’t been offered pajamas or slippers yet and I was worried that maybe American Airlines had dis-included them as part of the first class service.  I asked the purser about them and he reacted as if his memory had just been jogged.  He quickly produced a set of jammies for me and asked what size Nicoleen would prefer.  She was already dozing off so I told him I wasn’t sure, and he gave me two sets in different sizes and told me to just give her both to keep!
777-300ERpajamas

At this time the purser seemed to remember that turn down service was supposed to be included too, and offered to do so as I changed into the pajamas in the bathroom.  None of the other 6 passengers in first class received pajamas or slippers to my knowledge.

Yes, it's totally staged. I had just crawled into bed and was not sleeping.

Yes, it’s totally staged. I had just crawled into bed and was not sleeping.

Upon waking we were offered a small breakfast, which we both declined.  It was a rude awakening after only 3 hours of sleep or so, and the remainder of my flight was spent gathering up all my strewn-about belongings to prepare for landing at EuroAirport (MLH).

In the end we had an amazing time on this flight.  But I was a bit confused that I had to specifically request some of the amenities, and I was not as impressed as I should have been by the meal service.  Let’s look at all the things we weren’t told about or offered without asking:

  • Seat operation
  • Pajamas and slippers
  • Turn down service
  • Companion dining configuration
  • Stand-up snack bar

I don’t know if it was just this particular purser, crew, or just an off day for American’s service, but I finally understood why many other bloggers and reviewers talk about how American carriers are just not up to par on service in their premium cabins.

Overall first class experience
Among all the stages in our first class itinerary (the American Flagship Lounge at ORD, the Flagship Lounge at JFK, both domestic first class flights, the 1st class JFK-LHR flight, the Galleries Lounge at LHR, and the BA flight to MLH), we felt like the lowest experience to expectations ratio was on this transatlantic long-haul flight.   The service was by no means horrible, but neither was it exceptional…which it should be on an international first class flight.  I’ll never complain about flying first class for virtually no cost, but had I paid the full retail $9,821 for this booking, I would have justifiably felt a bit ripped off.  As they say the hard product delivered, but the soft product fell short.

Weekly Update (November 24, 2015)

I had back surgery yesterday to fix a herniated disc.  That’s my excuse for the lack of any work on the site or social media this last week.  Anything physical I wanted to get done for the next several months had to be finished before yesterday.  The surgery went well and now I’m on to the lengthy recovery process as I get back to normal.  I don’t want any pity so I won’t post the obligatory hospital gown/bed picture.  Instead, take a look at this hospital meal I custom ordered!

After not eating for 21 hours, this hospital food was better than any first class airplane meal or fancy airport lounge fare!

After not eating for 21 hours, this hospital food was better than any first class airplane meal or fancy airport lounge fare!

It was typical busy valuetactics week in our household.  Here are the highlights: With some limited commuting this week I only saved $5.43 using the free gas tactic.  That brings the running total for 2015 to $540, with the overall discount hovering around 17% for all my commuting gas needs.

hyatt splash pageWhen we applied online for our Chase Hyatt cards a few weeks ago, I used an application link I found on the flyertalk wiki page for this card. There weren’t many reports of the direct link working. Instead, people had been getting this offer by starting to book a room and having the offer ad displayed for them. I couldn’t get that ad to display, so I clicked the direct link from the wiki. The offer was identical to the standard offer (two free night certificates for meeting a $1k spend in 3 months, plus 5,000 Hyatt Gold Passport reward points for adding an authorized user to the account) except that this offer also included a $50 statement credit.
When doing my monthly updates this week I discovered the $50 statement credits had posted to our accounts!  A free $100 for 5 minutes of research and clicking on the right application link!

Here’s our monthly points earned and redemption totals:

  • earned 2,210 airline miles
  • earned 9,056 hotel points
  • earned 1,712 Citi Thank-You points
  • earned 589 Chase Ultimate Rewards
  • Received $100 in statement credits on our Chase Hyatt cards
  • Received a $10 Southwest Airlines gift card via the Wells Fargo Propel airline benefit

Credit Card News
The sign-up bonus on the Chase Sapphire preferred has been jacked up to 50,000 Ultimate Rewards points.  By hitting the minimum spend (4k pts) and adding an authorized user (5k pts), you’ll have 59,000 Ultimate Rewards points!  Another $1k in spending or by making some of your bonus spend in 2x pioints categories, you’ll easily have 60,000 UR points! That’s enough for a free round trip flight to Europe in peak season if you transfer them to United miles, for example.  In the next few days I’ll be writing a post to outline why getting this card is a wise choice for several reasons.  Or if you’d like to apply right now, please use my referral link. (disclaimer: I earn bonus points when you click, but the offer is the same as the best public offer available.)

Now you’re updated. Go employ some Value Tactics!

Weekly Update (November 16, 2015)

Things are cruising along nicely here.  I used free gas tactics to get $30.83 in free gas in the past 5 days.  Nicoleen’s Citi Hilton Reserve bonus spend is completed.  We got Nicoleen’s authorized user card in the mail for my Chase Hyatt and she made a purchase with it, earning us 5,000 Hyatt Gold Passport points.  And to top it off, I finally posted a couple articles I’ve been meaning to finish for some time now.

New Posts This Week
Our Fall 2015 Credit Card Applications is an overview of the strategy, tactics, and results of our latest round of card apps.
Bonus Redemption Plans for our New Cards gets into how we plan on using the free night certificates from our new Hyatt and Hilton cards.  Six nights in luxury resorts in Hawaii between the three cards.

Credit Card News
chase50k
The Chase Sapphire Preferred sign-up bonus has been jacked up to 50,000 Ultimate Rewards points!  Another 5,000 bonus is available for adding an authorized user.  With the $4k required spend for the bonus an at least $1k of that in the 2x categories of dining or travel, getting this card is worth 60,000 Ultimate Rewards points!  That’s enough for a round trip to Europe during peak season (when transferred to United, for example).  My referral links for this card are expired but if you are interested in getting it, here’s the direct link to the Chase website.  Or you can try clicking through another blogger’s links, but make sure the offer is for the jacked up bonus and not the standard 40,000 + 5,000 offer.

Now you’re updated. Go employ some Value Tactics!

Bonus Redemption Plans for our New Cards

In the previous post I explained our recent round of credit card apps and why we chose those particular cards.  The main purpose of our choice was to end up with 4 free nights at any Hyatt property and 2 free weekend nights at any Hilton property.

The Possibilities

Finding Hilton and Hyatt luxury resorts nearby one another is pretty easy.  But with 6 free nights between the two, I want to get a good bang for the buck (or absence of bucks, as it were).  Two of the locations that show up in every list of where to use these certificates are Hawaii and the Maldives.  Both Hyatt and Hilton have amazing properties on both island chains.  The Maldives is home to the Park Hyatt Hadahaa and the Conrad Maldives Rangali Island, both of which are ridiculously awesome.

Park Hyatt Hadahaa in The Maldives

Park Hyatt Hadahaa in The Maldives

A land room with pool at the Park Hyatt Hadahaa

A land room with pool at the Park Hyatt Hadahaa

Ithaa underwater restaurant at Hilton's Conrad Maldives - Rangali Island

Ithaa underwater restaurant at Hilton’s Conrad Maldives – Rangali Island

Deluxe water villa with private deck and whirlpool at the Conrad Maldives - Rangali Island

Deluxe water villa with private deck and pool at the Conrad Maldives – Rangali Island

However, although stays at ridiculously awesome resorts can be free, they come with another kind of price: travel time.  The Maldives is almost as far from Minnesota as you can get on this planet.  The average travel time to Male is 32 hours, plus the required seaplane flight to the resorts themselves.  The jet lag from that kind of flight time would severely reduce the enjoyment of the trip, so a night or two at a stop-over city like Hong Kong would be necessary.  With five kids, a dog, and two full time jobs it’s hard to get away for any amount of time, so this trip will probably have to stay on the ValueTactics bucket list for a while.

The Plan

So we’re not willing to make the Maldives work just yet.  What does that leave us with?  A whole lot.  Remember, these free night certificates are good for any Hilton and Hyatt properties so we have a few thousand to choose from.  Well, not really thousands since we’re not going to waste the certificates on the local Hampton Inn!

There’s another redemption opportunity including two resorts, one Hyatt and one Hilton, which are close to each other and which are both highly regarded properties in their respective luxury brands.  I’m talking about Hilton’s Waldorf Astoria Grand Wailea and Hyatt’s Andaz at Wailea.  The rate for a standard room during peak season at the Grand Wailea runs $654/night + a $30 per day resort fee.  The Andaz runs $589/night + a $40 per day resort fee during peak season.  Resort fees are included when redeeming free night certificates so if we booked our 6 night vacation for late March we’d be getting a $3884 value for FREE!  (Or, for $95 if you want to count the Hilton Reserve’s $95 up-front annual fee.)

The Grotto Bar at the Grand Wailea

The Grotto Bar at the Grand Wailea

The three cascading infinity pools at the Hyatt Andaz on Maui

The three cascading infinity pools at the Hyatt Andaz on Maui

It’s hard to fathom that resorts like these are within our reach simply for signing up for a couple credit cards.  But that’s the beauty of being informed, and acting tactically!  You too can benefit from these and other credit card sign-up bonuses by staying informed: like ValueTactics on facebook and follow us on twitter. We’ll see you in Hawaii next year! 🙂