Points and Miles: November

It's the middle of the fourth quarter and that means it's been a quiet month in the world of points and miles. But there have been a few worthwhile offers that have come my way.

Hilton Hotels (which includes such brands as Hampton, Doubletree, and Embassy Suites) is offering the choice of a free night after four stays, or double points on all stays booked and completed by December 31. And if you select Delta Airlines as your double dip option, you'll receive an extra 250 Medallion Qualifying Miles via this offer.

If you'd like to give to earthquake relief in Turkey, Hilton HHonors will reward you with 10 points for every US$ donated.

A two-night stay at a Priority Club Rewards property (Holiday Inn, Crowne Plaza, etc.) in major North American cities (including Toronto), earns a 7,500 point bonus via this offer. Combined with the base points and other bonuses available (see current bonus offers at Priority Club Insider), you could easily earn the 15K points required for a free night at most Holiday Inn or Holiday Inn Express locations. Since many Priority Club bonus offers are stackable, my advice is to sign up for every offer and see what you get.

Starwood Hotels and Resorts (Sheraton, Westin, etc.) is offering a variety of discounts and special offers at properties in the Southern U.S. and Caribbean to CAA/AAA members. Good until December 31, all the information is here. And until December 15, the Starwood Preferred Guest American Express card comes with a 20K point sign-up bonus. That's enough for between 2 and 5 free nights, depending on the category of hotel. Or you can convert the 20K points to 25K airline miles for a free flight in North America. The card carries a $120 annual fee.

Until January 15, Hyatt Hotels is offering triple American Airlines AAdvantage miles with each stay – 1,500 instead of the usual 500. Up to 15K miles can be earned. And in other news, Hyatt is renaming its Summerfield Suites brand Hyatt House. Hyatt House will consist of the existing 38 Summerfield Suites locations and 16 Hotel Sierra properties that Hyatt recently acquired.

With this code, get special rates from Hertz and earn bonus Delta SkyMiles. There are various expiration dates.

And finally, Patrick Sojka, on his Rewards Canada blog, has recently posted reviews of the American Express Gold Rewards card, the RBC VISA Infinite Avion card, and the American Express AIR MILES Platinum card. If you're looking for a point-earning credit card, or just curious how your card stacks up, check them out.

Follow me on Twitter: @AeneasLane

Chase Marriott Rewards VISA Fail

I mentioned in Part 2 of the annual Points and Miles update that Marriott Rewards was a program I hadn't paid much attention to in the past. But about six weeks ago, I received an offer in the mail of a free night and 15K points if I signed up for the $75 annual fee Chase Marriott Rewards VISA card. Since Marriott was also running a "stay twice; earn a free night" promotion, I was planning to direct my hotel stays this fall toward Marriott, even though they are usually more expensive than most of their competitors.

Well, not everything has gone according to plan.

I completed the application form and mailed it away back in early August and waited. It's always been my experience in applying for credit cards in the past to receive the card in 2-3 weeks, sometimes in as little as 10 days.

After about a month, in early September, I received a phone message from Chase. I followed the instructions to return the call, only to be misdirected several times through their automated system. I finally just pressed "0" and spoke to a customer service representative to explain that I had been asked to contact them about my credit card application.

The CSR said she needed to know my date of birth. I'm pretty sure it was on the original application, but whatever. I provided it and was told to expect my card in 5-7 business days.

Two weeks later, I received a letter in the mail stating that if I wished to complete my application for its credit card, I should call Chase at the number provided. I decided I wouldn't.

Now, it's not just a matter of pique. Or that I didn't want to waste time wading through an automatic phone system and waiting on hold. There's a larger motive at play.

All of us, in our role as customers, are forced to interact with large and distant corporations – cable, cell, and internet companies, airlines, insurers, and banks – electronically, through call centres and/or the internet. And when we have a question, concern, or problem, the experience is always time-consuming, usually frustrating, and often unfair.

Thus, I've come to appreciate the companies that get it right: that never or seldom make errors, whose customer service is easily accessible, and whose CSR's are trained and empowered to resolve issues quickly to my satisfaction. In my experience, American Express is a good example.

So when even the mere application process with Chase was problematic, even if those problems were minor, I asked myself: "What is my experience likely to be if I have a disputed charge on my card?" And I wasn't reassured by the answer.

So that's the reason I'm giving up on the Chase Marriott Rewards VISA card. Sometimes the points just aren't worth the aggravation.

You can now follow me on Twitter: @AeneasLane

Points and Miles: Annual Update, Part 2

Last fall, in Points 4: Double-dipping, I described how you can often earn points in at least two different programs for any transaction (My personal record is a quintuple dip). The principles I outlined still apply, but as I mentioned in Part 1, the specific example I gave of converting points earned with the Club Sobeys MasterCard to Aeroplan miles is no longer valid.

The reasons for joining multiple airline and hotel rewards programs that I explained in Points 5: U.S. Airline Frequent Flier Programs still pertain. So does my opinion about the value of Points.com. Personally, I don't use Points.com to track the balances in my programs any more. I've found another free site, AwardWallet, which is easier to use, works faster, and is more accurate. It will even keep track of flight, hotel, and car rental reservations for me, which I've found very useful. It doesn't allow me to swap points the way Points.com does, so I still use the latter occasionally.

I don't have the Amex Starwood Preferred Guest card anymore, so I'm not earning SPG Starpoints the way I described in Points 6: Starwood Preferred Guest Program. But, if I want to, I can convert Amex Membership Rewards to Starpoints. All the virtues of the SPG program remain. Ben Schlappig, who writes the One Mile at a Time blog, recently explained the best ways to realize the value of Starpoints in this piece on travelsort.

Since the beginning of the year, I've also collected a fair number of Club Carlson (formerly goldpoints plus) points. You can read about that and my legendary quintuple dip in this post from back in May. I'm hoping to pull off something similar this fall. I'll let you know if it works out.

Marriott Rewards was a program I hadn't paid much attention to in the past. There hadn't been many Marriott properties in Canada, and I generally find Marriott's rates higher, both for paid stays and points redemptions. But recently a number of reasonably-priced Fairfield Inns have opened in Canada that compete with Hilton and Intercontinental in the Hampton Inn and Holiday Inn Express space. Currently, there's also a stay twice, earn a free night offer and a 15K sign-up bonus for a $75 annual fee Chase VISA card that have me planning some Marriott stays this fall. And speaking of Hilton, a double points offer this summer meant our week in D.C. earned a nice bunch of points in a program that also had not been a focus for me in the past.

As I described in Points 7: Priority Club, this is where my hobby/obsession began about seven years ago, and it remains a favourite program for its ease of earning points (lots of bonus opportunities) and plentiful locations. I mentioned that there wasn't a way Canadians could earn PCR points with a credit card, but that will change this November when Capital One will launch $120 annual fee and no-fee versions of a PCR MasterCard. You can be sure I'll be signing up and letting you know which is the better value, depending on your circumstances.

If you want to know more about points and miles collecting and how to get the most out of redemptions, check out the resources in Points 9: The End of the Trail.

And one final point: unless you're able to pay your credit card balances in full each month, the interest you pay will far exceed the value of any points or miles you earn.

You can now follow me on Twitter: @AeneasLane

More Spring 2011 Points Offers

Thought you might enjoy a break from all the election news, so here you are:

Until June 30, Hilton Hotels is offering 1,000 bonus Hilton HHonors points with each night's stay. That's in addition to the regular points and airline miles you earn. Hilton's plan is unique in that members "double dip", earning both for each stay. You must register for the promotion here.

If your plans include several nights in hotels over the next few months, Hyatt hotels is offering 10K bonus Hyatt Gold Passport points after you stay five nights, and an additional 5K bonus points for every two nights you stay beyond five. That's on top of the regular earning rate of five points per dollar spent. Free nights begin at 5K points, with most hotels being in the 8K and 12K point categories. So a week at a Hyatt property could get you two or three free nights. You must register here.

Goldpoints Plus is now Club Carlson and it's offering an excellent promotion until June 15: stay twice and earn a free night. This can be an economical way to stay in an expensive city. Two low cost Country Inn and Suites stays can get you that free night at a Radisson. You must be a Club Carlson member and register for the promotion. You have until December 31, 2011 to use your free nights.

Choice Hotels, in conjunction with MBNA Bank Canada, is offering a no-fee MasterCard that lets you earn Choice Privileges points for every dollar you spend on it. There's also an 8K point sign-up bonus. Details and application form are here.

And speaking of credit cards, back in the fall I told you about the Starwood Preferred Guest American Express card. The card is still available with a 10K point sign-up bonus, but unlike last year, American Express is no longer waiving the annual fee of $120 for the first year (or for renewals).

So, as intended, I cancelled my SPG Amex card (I keep all my Starwood points). But when I called American Express, they offered me their new Gold Rewards card with 15K points as a sign-up bonus and no annual fee for the first year. So I accepted that offer. I earn one point per dollar spent on the card, two for spending on travel, gas, grocery, and drug store purchases. Amex Membership Reward points can be applied directly to your Amex bill for travel related spending, or converted to points with several hotel and airline partners (for example, one to one to Aeroplan). I'll keep you posted on what I see is the best way to "earn and burn" these points.

To conclude, Niagara Spring Flings is offering Ontario and New York residents a chance to win a getaway in the Niagara peninsula. There's also a downloadable "Perks Card" offering such things as free wine tastings (yum!). Check it out here.

Have a Happy Easter.

Points 4: Double-dipping

A faithful blog reader asks, "What about double-dipping?"

A very good question. So, before we continue with the advanced course material on hotel loyalty programs in Points 301, I'll explain how "double-dipping" can earn you extra credit (pun intended).

Essentially what points hounds mean by double-dipping is getting two sets of points on the same transaction, and it's a powerful strategy for padding your point and mile balances. For example, if I use a credit card that earns points, at a retailer that offers points, I'm getting points twice for the same purchase. In fact, the banks that issue Aeroplan VISA cards encourage this and point to it (groan) as an added benefit of their cards. They further encourage double-dipping with frequent bonus point promotions. For example, CIBC is currently offering to double the points earned when purchasing tickets on Air Canada. Earning bonus points while you're double-dipping might even be considered "triple-dipping".

So say you buy gas at Esso, using your CIBC Aeroplan VISA card, and you present your Aeroplan card. You earn 1 point per dollar because you used your credit card, and another point for every $3 dollars in gas because Esso is an Aeroplan retail partner. In effect, you earn 1 and 1/3 points per dollar you put on your card at Esso. You can make this easier for yourself and earn an extra 200 Aeroplan miles if you sign up for a Speedpass and link you credit card to your Aeroplan account. It's actually not as complicated as it sounds and here's the website that explains it all.

But it works with any point-earning card. You can earn AirMiles at the LCBO, or Shell, or Metro grocery stores, as well as Aeroplan miles, if you use your Aeroplan-branded credit card and present your AirMiles card at these (and other) AirMiles retail partners.

The same goes for the Club Sobeys BMO MasterCard I told you about in Points 201, part 1. You not only earn ½ Aeroplan mile for every dollar spent, but when you present your Aeroplan card (at Esso, or Home Hardware, for example) or AirMiles card, you earn those points too.

That means using the no-fee Club Sobeys MasterCard at Sobeys earns 1 Aeroplan mile for every dollar: you receive 1 Club Sobeys point for every dollar in groceries, which transfers into ½ Aeroplan mile, plus ½ Aeroplan mile for every dollar you put on the card.

If I shop at Sobeys and I use the SPG Amex card I told you about in Points 201, Part 2, (which I always do) and then transfer to Aeroplan and receive the 25% bonus, I'm getting 1 and 3/4 Aeroplan miles per dollar spent. Yes, I dipped, and then I dipped again.

In Points 301, I'll explain why you should sign up for multiple hotel and airline loyalty programs.

Points 3: Starwood Preferred Guest American Express Card

The problem with collecting Aeroplan miles is that millions of other Canadians do too. So when it comes time to redeem that flight on Air Canada or one of its Star Alliance partners, you're competing with a lot of other people for a few seats. Of course you can always pay more points for "extra access", but that could end up costing more than twice as much as a regular award.

However, few Canadians belong to the plans of the major U.S. airlines – American, Delta, United, and US Airways – so flights from Canadian cities are often readily available at the lowest rate, typically 25K points for a return economy class flight in North America.

That brings me to the Starwood Preferred Guest (SPG) American Express card. Starwood is the chain that includes Sheraton and Westin hotels, among others, and SPG is their loyalty program. You earn 2 SPG points for every dollar spent at Starwood hotels (bonus offers let you earn faster) and free nights start at 2,000 points, with most hotels in the 7-10K range. For example, both the Sheraton Centre and Westin Harbour Castle in Toronto are 7K points for a free night.

The SPG Amex card earns 1 SPG point for every dollar spent. MBNA used to be Starwood's partner, and the card was no-fee, which was a terrific deal, but early this year they switched to Amex and now their card costs $120 a year. Given Amex's limited acceptance and the less generous insurance benefits, it's generally not as good a deal as the Aeroplan bank cards.

Except SPG has one really big advantage: you can trade its points one for one with almost any airline's. And if you swap 20K points, they give you a 5K bonus, resulting in 25K airline miles. This amounts to 1¼ miles for dollar spent. So if you have the annual spending to justify a $120 annual fee card, the 25% extra miles and ability to redeem with virtually any airline might make this card worthwhile to you.

You can apply online, there's a 10K point sign-up bonus, and you'll be automatically enrolled in the SPG program.

I accepted the card last spring because Amex waived the annual fee for former MBNA card holders for the first year. They also offered an 11K point sign-up bonus and my wife got a card too. We recently swapped 20K of those points for 25K American Airlines Advantage miles for free return flights from Palm Springs to Toronto.

I plan to cancel the card next year unless Amex lowers the annual fee (in the U.S. it's only $65 a year) or offers a hefty renewal bonus. Otherwise, it won't be worth it to me. I'll bring the Club Sobeys MasterCard out of mothballs and focus on earning free Aeroplan miles with it.

The SPG card enables you to benefit from membership in a host of airline plans. In Points 301 I'll explain why you should join the plan of every hotel chain you stay at as well.