Chase UR Points and What to Do with Them + CL Consolidations

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Chase UR Points and What to Do with Them + CL Consolidations

Postby popamode72 » Mon Apr 06, 2015 10:49 am

Thus far, I've racked up 53,734 UR points that are going to show up on my next statements and working on my Freedom bonus right now. Part of that includes the bonuses I've gotten from adding someone as an AU on both cards. I'm still a bit new to the whole UR point earning scene but I've heard different things about what people usually do with the points.

Some people just do 1 to 1 point transfers to partners and others keep the UR points there to use for later use like on hotels, etc. I'm trying to determine what the biggest value I could get out of using the UR points with the additional 10k UR points from my Freedom bonus (and if they come out with the increased $200 offer and I get SM to change my offer to that it would be around 20k UR points, increasing my total number to around over 70k UR points). It seems like transferring a specific amount to a travel/hotel partner when I need to go on a flight somewhere or stay a hotel might be the best use but I wanna see what others have done with their points to get a better idea of what I could do. I could also just leave the UR points there and continue to use the cards as much as I can to keep building on what I have.

I also still have a $1k limit Ritz card I'm not really using that much that I transferred the limit over to the CSP. They even refunded my AF on it and it's tempting to just close out the rest of that card and move it to the CSP but I don't want them to think I'm trying to churn. The 140k Ritz Carlton points I have saved up in my Ritz Carlton Marriott account and will be keeping that way because I heard the value on using them on hotels and their packages is immensely greater than just transferring those out for miles. I closed Amazon recently and I've closed Southwest before in the past and that was my way in with Chase so I could use some advice there too.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby CarefulBuilder14 » Mon Apr 06, 2015 4:55 pm

I expect to use some URs at Hyatt. One hotel I've stayed at a few times (and expect to stay at again) charges 8000 Hyatt Gold Passport points for a room with a cash price around around $180-$220 per night. There may be some taxes that reduce the value a bit, but I'm sure it will still be a good way to redeem them. It fits well with my attempts to travel more frequently, more cheaply.

I can see the appeal of the Ritz card for travel perks and customer service, but I don't think Ritz and Marriott cards are great for everyday spending or for non-Marriott/Ritz travel. I've liked Marriott's hotels, but I'd rather pay with a CSP there and redeem URs other ways.

United is also an efficient way to redeem URs.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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