Category: Podcast

The Driftr Podcast – Episode 16

Posted By : Brian Fontenot/ 857 0

On Episode 16 we discuss the Question of the Day: Where can you go on vacation/baecation outside of the Caribbean, an in-depth review of AMEX Centurion (Black) Card during our Cards and Points segment, took a trip to the beautiful location of Addis, Ababa and discuss our thoughts on evacuation protocol for a hurricane.

 

On Episode 16 we discuss the Question of the Day: Where can you go on vacation/baecation outside of the Caribbean, an in-depth review of AMEX Centurion (Black) Card during our Cards and Points segment, took a trip to the beautiful location of Addis, Ababa and discuss our thoughts on evacuation protocol for a hurricane.

Question of The Day

Where can you go on vacation/baecation outside of the Caribbean?

  • San Diego, CA
  • New Orleans, LA
  • Seattle, WA
  • Barcelona, Spain
  • Paris, France
  • Bali, Indonesia
  • The Maldives
  • Fiji Islands
  • Hawaii

Cards & Points

Amex Centurion (Black) Card

  • $2,500 Annual Fee, $5,000 Initiation Fee
  • Starwood Preferred Guest Gold
  • Hilton Honors Diamond
  • IHG Priority Club Rewards Platinum Elite
  • Centurion Hotel Program
  • AMEX Fine Hotels & Resorts
  • Delta SkyMiles Platinum Medallion
  • Centurion International Arrival Services
  • Gogo In-Flight Wi-Fi
  • Boingo
  • 35% Airline Bonus on All Ticket Types
  • $200 Airline Fee Credit
  • Credit for Global Entry or TSA PreCheck Application
  • Priority Pass Select
  • And more! Learn here.

You Can Fly With Us

Addis, Ababa

You Can Fly With Us

Evacuation protocol for a Hurricane

  • Pay attention to weather maps
  • Be mindful of what airports you are traveling through
  • Check for Hurricane Season
  • Make sure to evacuate if you can
  • Consider all options when evaluating evacuation

The Driftr Podcast – Episode 15

Posted By : Brian Fontenot/ 731 0

On Episode 15 we discuss the Question of the Day: What is your favorite travel app, an in-depth review of Chase Freedom and Freedom Unlimited Card during our Cards and Points segment, took a trip to the beautiful location of Johannesburg, South Africa and discuss our thoughts on putting off big purchases on your credit card.

 

On Episode 15 we discuss the Question of the Day: What is your favorite travel app, an in-depth review of Chase Freedom and Freedom Unlimited Card during our Cards and Points segment, took a trip to the beautiful location of Johannesburg, South Africa and discuss our thoughts on paying off big purchases on your credit card.

Question of The Day

What is your favorite travel app?

Cards & Points

Chase Freedom

  • No annual fee
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • Earn 1% cash back on all other purchases* – it’s automatic.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.† After that, 15.99%–24.74% variable APR.† Balance transfer fee is 5% of the amount transferred with a minimum of $5.†
  • 1:1 Points Transfer
  • And more! Learn here.

Chase Freedom Unlimited

  • No annual fee
  • Earn unlimited 1.5% cash back on every purchase* – it’s automatic.Earn 1% cash back on all other purchases* – it’s automatic.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.† After that, 15.99%–24.74% variable APR.† Balance transfer fee is 5% of the amount transferred with a minimum of $5.
  • 1:1 Points Transfer
  • And more! Learn here.

You Can Fly With Us

Johannesburg, South Africa

You Can Fly With Us

Paying off big purchases on your credit card

  • Don’t on anything on your credit card that you can’t pay off
  • Figure out your payoff strategy: If it takes more than 3 months to pay off, don’t put it on your credit card
  • Make sure to pay your bills!
  • Go for the points

The Driftr Podcast – Episode 14

Posted By : Brian Fontenot/ 598 0

On Episode 14 we discuss the Question of the Day: How do you overcome jetlag, an in-depth review of American Express EverDay and Everday Preferred Card during our Cards and Points segment, took a trip to the beautiful location of Cartagena, Colombia and discuss our thoughts Airline Vouchers: Take them or Leave them.

 

On Episode 14 we discuss the Question of the Day: How do you overcome jetlag, an in-depth review of American Express EverDay and Everday Preferred Card during our Cards and Points segment, took a trip to the beautiful location of Cartagena, Colombia and discuss our thoughts Airline Vouchers: Take them or Leave them.

Question of The Day

 What flight aggregators do you use for finding flights?

Cards & Points

American Express EverDay

  • No Annual Fee
  • 2x Points on Restaurants, up to $6,000 a year
  • 1x Points on all other purchase
  • 20% Points bonus when making 20 transactions a month
  • 1:1 Points Transfer
  • And more! Learn here.

American Express EverDay Preferred

  • $95 Annual Fee
  • 3x Points on Restaurants, up to $6,000 a year
  • 2x Ponts on Gas
  • 1x Points on all other purchase
  • 50% Points bonus when making 30 transactions a month
  • 1:1 Points Transfer
  • And more! Learn here.

You Can Fly With Us

Cartagena, Colombia

You Can Fly With Us

Airline Vouchers: Take them or Leave Them?

  • Find your reasons for going
  • Weigh out all the options
  • Make sure you can have flexible options for your arrangements
  • Be prepared to take a day of leave
  • If you aren’t flexible on time, don’t force it!

The Driftr Podcast – Episode 13

Posted By : Brian Fontenot/ 655 0

On Episode 13 we discuss the Question of the Day: What flight aggregators do you use for finding flights, an in-depth review of Chase Sapphire Preferred during our Cards and Points segment, took a trip to the beautiful location of Siem Reap, Cambodia and discuss our thoughts Credit Card Application Limits and the Strategy behind applying for credit cards.

 

On Episode 13 we discuss the Question of the Day: What flight aggregators do you use for finding flights, an in-depth review of Chase Sapphire Preferred during our Cards and Points segment, took a trip to the beautiful location of Siem Reap, Cambodia and discuss our thoughts Credit Card Application Limits and the Strategy behind applying for credit cards.

Question of The Day

 What flight aggregators do you use for finding flights?

Cards & Points

Chase Sapphire Preferred

  • $95 Annual Fee
  • 2x Points on Travel and Dinning
  • No Foreign Transaction Fee
  • 1:1 Points Transfer
  • Primary Rental Car Insurance
  • 25% More Points
  • And more! Learn here.

You Can Fly With Us

Siem Reap, Cambodia

You Can Fly With Us

Credit Card Application Limits

 

American Express

  • Charge cards: you can have as many cards as you like
  • Revolving credit cards: you can only have 4 in a lifetime (including Personal and Business)
  • You can only apply to 3 cards (mix of charge and revolving cards) within 24 hour period
  • You may be able to get approved for more than two cards in a 90 day period
  • You can only get the sign up bonus once in a lifetime

Chase

  • Chase limits the amount of credit that it will extend to you for a lifetime
  • Also have to watch Chase’s 5/24 rule: can’t have more than 5 new accounts in a 24 month period
  • Can get a new sign up bonus every 24 months

Citi

  • Citi limits the amount of credit that it will extend to you for a lifetime
  • You can only apply for one personal card every eight days and no more than two in a 65-day window.
  • You can only apply for one business card every 95 days.
  • There’s a mandatory waiting period between canceling and re-applying that you must follow

 

Learn More here from The Points Guy

The Driftr Podcast – Episode 12

Posted By : Brian Fontenot/ 621 0

On Episode 12, we hosted a special episode, having a live studio audience asking questions during our the Question of the Day, an in-depth review of American Express Premier Rewards Gold Card during our Cards and Points segment, and took a trip to the beautiful location of Berlin, Germany.

 

On Episode 12, we hosted a special episode, having a live studio audience asking questions during our the Question of the Day, an in-depth review of American Express Premier Rewards Gold Card during our Cards and Points segment, and took a trip to the beautiful location of Berlin, Germany.

Question of The Day

Live Studio Audience with many questions!

Cards & Points

American Express Premier Rewards Gold Card

  • $100 Airline Fee Credit (Have to choose airlines)
  • Earn 3X points for airfare purchased directly from airlines.
  • Earn 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • Earn 1 point per $1 spent on all other purchases*
  • The Hotel Collection, You can get 2x Membership Rewards® points per eligible dollar spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities when you book a prepaid stay of at least two consecutive nights at participating properties, at americanexpress.com/hc.
  • No Foreign Transaction Fees
  • And more! Learn here.

You Can Fly With Us

Berlin, Germany

The Driftr Podcast – Episode 11

Posted By : Brian Fontenot/ 546 0

On Episode 11 we discuss the Question of the Day: How do you find the best picture taking spots, an in-depth review of Chase Sapphire Reserve during our Cards and Points segment, took a trip to the beautiful location of Santiago, Chile and discuss our thoughts on No Fee ATM Access Checking Accounts.

 

On Episode 11 we discuss the Question of the Day: How do you find the best picture taking spots, an in-depth review of Chase Sapphire Reserve during our Cards and Points segment, took a trip to the beautiful location of Santiago, Chile and discuss our thoughts on No Fee ATM Access Checking Accounts.

Question of The Day

How do you find the best picture taking spots?

  • Google
  • Use Instagram to find places
  • Ask locals!

Cards & Points

Chase Sapphire Reserve

  • $300 Annual Travel Credit
  • Earn 3X points on travel worldwide from airfare and hotels to taxis and trains*
  • Earn 3X points on dining at restaurants worldwide from fast casual to fine dining*
  • Earn 1 point per $1 spent on all other purchases*
  • Get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®.* For example, 50,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions — as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®*
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select.*
  • Special car rental privileges from National Car Rental, Avis and Silvercar when you book with your card*
  • Special benefits during your stay with The Luxury Hotel & Resort CollectionSM*
  • Pay no foreign transaction fees†
  • World-class suite of travel and purchase protections*
  • 24/7 direct access to a Customer Service specialist
  • Worldwide Travel Assistance from the Chase Travel Team
  • Access to the Visa Infinite Concierge who can help you with requests like dinner reservations, or Broadway, music and sporting event tickets*
  • And more! Learn here.

You Can Fly With Us

Santiago, Chile

Open Discussion

No Fee ATM Checking Accounts

  1. Ally
    • Ally does charge a 1% fee
    • Ally only reimburses ATM fees charged by other banks if the ATM is in the US.
  2. Capital One
    • If you just bank through them online through Capital One 360, there are no fees on any withdrawal outside the Capital One network
    • if you bank through an actual Capital One physical location, you will be assessed fees as high as $2 per withdrawal and 3% of the transaction amount
  3. Charles Schwab
    • Receive full reimbursements at the end of every month for any ATM fees incurred, anywhere if you have the Schwab Bank Visa Platinum debit card, a High Yield Investor account, or a Max Rate checking account with at least a $5,000 balance.
  4. Citibank
    • With numerous international locations, customers can avoid fees by withdrawing money from Citi-branded ATM’s. Citibank actually has branches abroad, with over 4,000 locations in more than forty countries.
    • If you can’t find a location in your destination, non-Citibank ATM withdrawals outside the US result in a $2 fee plus the 3% international transaction charge you always get hit with, though both of those are waived for Citigold members.
  5. Fidelity
    • All Fidelity ATM withdrawal fees will be waived for your Fidelity Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa Gold Check Card linked to your account at any ATM displaying the Visa, Plus, or Star logos. ATM reimbursements will be credited to the account when the transaction posts.
    • There is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account.
    • You could be charged percentage fees of 1-3% by Visa because it processed withdrawals as cash advances, so be sure you select withdrawal and checking account from the ATM.
  6. First Republic Bank
    • Their ATM Rebate Checking account offers free use of more than 800,000 ATMs worldwide, unlimited ATM access, and even interest on balances above $3,500.
    • ATM withdrawal fees are refunded from other banks worldwide and international card usage fees are waived. There are free ATM withdrawals to available limits as well.
    • You must have a minimum opening balance of $500 and minimum average balance of $3,500 to avoid monthly fees.
  7. PNC
    • Though PNC does not have international partners and will charge you a $5 fee per transaction plus 3% of the transaction amount, if you are a Performance and Performance Select customer, these fees are waived.
    • The fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts during a statement period will be reimbursed to your Spend account at the end of the statement period. Fees in excess of two per statement period will not be reimbursed, and remember this might not include the fees the foreign bank charges you for withdrawals.
  8. TD Bank
    • Charges a flat $2.50 fee for ATM withdrawals with no foreign transaction fees
    • The fee is waived for TD Premier and TD Relationship account holders with a daily minimum balance of $2,500 in their account.
  9. USAA:
    • USAA Bank refunds up to $15 in other banks’ ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals.
    • Subsequent transactions will be charged $2.00 each.
    • A 1% foreign transaction fee applies to withdrawals outside the United States.
  10. US Bank
    • With no foreign partners or international ATM locations, US Bank also adds fees to all debit card transactions abroad including a flat fee and a 2% withdrawal charge for those made in US dollars and 3% in foreign currency.
    • The $2.50 fee is waived for Platinum and Premium Checking customers, while Gold Checking customers can get two fee waivers every statement period.
  11. Wells Fargo
    • Wells Fargo will charge most of their customers $5 for foreign withdrawals
    • Customers with PMA Package accounts will receive a total of up to 2 free non-Wells Fargo ATM withdrawal transactions (combined U.S. and International) per statement cycle
    • Fees are all waived if PMA qualifying balance is $250,000 or more.

More Information at The Points Guys

The Driftr Podcast – Episode 10

Posted By : Brian Fontenot/ 632 0

On Episode 10 we discuss the Question of the Day: What do you when your flight is cancelled and you don’t find out until you get to the airport, an in-depth review ofAmerican Express Platinum Card (Personal) during our Cards and Points segment, took a trip to the beautiful location of Rio De Janeiro, Brazil and discuss our thoughts on using ride shares abroad.

 

On Episode 10 we discuss the Question of the Day: What do you when your flight is cancelled and you don’t find out until you get to the airport, an in-depth review ofAmerican Express Platinum Card (Personal) during our Cards and Points segment, took a trip to the beautiful location of Rio De Janeiro, Brazil and discuss our thoughts on using ride shares abroad.

Question of The Day

What do you do when your flight is cancelled and you find out at the airport?

  • Pray to the travel gods!!
  • Contact the airlines to see about vouchers and new flight plans
  • Contact your credit card company to see about travel insurance
  • Book a new flight
  • Be mad! Lol

Cards & Points

American Express Platinum Card (Personal)

  • $200 Uber Platinum Rides
  • 5X Membership Points for Flights booked through airlines or American Express Travel, and for Hotels through American Express Travel
  • $200 Airline Fee Credit (Pick your airline)
  • $550 in Fine Hotels & Resorts Saving
  • 1000+ Global Lounge Collection
  • Delta Sky Club Membership
  • American Express Centurion Lounge Network
  • $85 TSA Pre-Check or $100 Global Entry Credit
  • American Express Platinum Concierge
  • Second Car Rental Insurance
  • American Express By Invitation Only
  • Return Protection
  • And more! Learn here.

You Can Fly With Us

Rio De Janeiro, Brazil

Open Discussion

Ride Sharing While Abroad

  • Yes! Please do it
  • In most countries it is safe
  • You can learn much from the locals
  • Definitely enjoy having a guided map
  • Taxis can be cool
  • Using ride shares allows you to get the points!

The Driftr Podcast – Episode 9

Posted By : Brian Fontenot/ 619 0

On Episode 9 we discuss the Question of the Day: How many countries have you traveled to, an in-depth review of Chase Ultimate Rewards Credit Cards during our Cards and Points segment, took a trip to the beautiful location of Zurich, Switzerland and discuss our thoughts on rental cars vs public transportation.

 

On Episode 9 we discuss the Question of the Day: How many countries have you traveled to, an in-depth review of Chase Ultimate Rewards Credit Cards during our Cards and Points segment, took a trip to the beautiful location of Zurich, Switzerland and discuss our thoughts on rental cars vs public transportation.

Question of The Day

How may countries have you been to?

  • Brandon – 14
  • Kiarra – 16
  • Brian – 20

Cards & Points

Chase Ultimate Rewards Programs

 

Chase Freedom Unlimited

  • 1.5x Points on every transaction
  • Low Intro APR
  • No Annual Fee
  • Learn more here

 

Chase Freedom

  • 1x Points on every transaction
  • 5x Points on revolving category (every three months)
  • Low Intro APR
  • No Annual Fee
  • Learn more here

 

Chase Sapphire Reserve

  • 1x Points on every transaction
  • 3x Points on Travel and Dinning Worldwide
  • 50% More Travel Redemption through Chase Travel Portal
  • No Foreign Transaction Fees
  • Primary Rental Car Insurance
  • $450 Annual Fee, $75 for each Authorized User
  • $300 Travel Credit Per Year
  • Learn more here

 

Chase Sapphire Preferred

  • 1x Points on every transaction
  • 2x Points on Travel and Dinning Worldwide
  • 20% More Travel Redemption through Chase Travel Portal
  • No Foreign Transaction Fees
  • Primary Rental Car Insurance
  • $95 Annual Fee, waived the first year
  • Learn more here

 

Chase Ink Business Preferred

  • 1x Points on every transaction
  • 3x Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year
  • 25% More Travel Redemption through Chase Travel Portal
  • No Foreign Transaction Fees
  • Primary Rental Car Insurance
  • $95 Annual Fee, waived the first year
  • Learn more here

You Can Fly With Us

Zurich, Switzerland

Open Discussion

Rental Cars vs Public Transportation

  • Definitely want to do rental cars
  • Be care of the fees that other companies charge
  • Make sure you can drive manual, as many countries have manual only cars (low selection of automatic)
  • You can really see the country on public transportation
  • Don’t consider Uber/Lyft public transportation, but it gets the job done
  • If you do rent a car, make sure to pay with the Chase Sapphire card series

 

Learn more about Basic Economy vs Economy here

The Driftr Podcast – Episode 8

Posted By : Brian Fontenot/ 589 0

On Episode 8 we discuss the Question of the Day: What is the 1 thing you can’t travel without, an in-depth review of Chase Ultimate Rewards Program during our Cards and Points segment, take a trip to the beautiful location of London, England, and discuss our thoughts on economy vs basic economy.

 

On Episode 8 we discuss the Question of the Day: What is the 1 thing you can’t travel without, an in-depth review of Chase Ultimate Rewards Program during our Cards and Points segment, take a trip to the beautiful location of London, England, and discuss our thoughts on economy vs basic economy.

Question of The Day

When is the best day to book flights?

  • Anywhere between Tuesday to Thursday
  • Sometimes weekends
  • Most times inner week

Cards & Points

Chase Ultimate Rewards Programs

 

Transfer Partners

Partner Rewards Program Average Point Value Ultimate Rewards Transfer Ratio Partner Industry
British Airways Executive Club 1.5 1:1 Airline
Flying Blue AIR FRANCE KLM 1.3 1:1 Airline
Korean Air SKYPASS 1.0 1:1 Airline
Singapore Airlines KrisFlyer 1.5 1:1 Airline
Southwest Airlines Rapid Rewards® 1.2 1:1 Airline
United MileagePlus® 1.2 1:1 Airline
Virgin Atlantic Flying Club 1.5 1:1 Airline
Hyatt Gold Passport® 0.98 1:1 Hotel
IHG® Rewards Club 0.64 1:1 Hotel
Marriott Rewards® 0.85 1:1 Hotel
The Ritz-Carlton Rewards® 0.68 1:1 Hotel

 

Online Portal

  • Use the online portal for bookings
  • Can save using your Chase Sapphire Reserve (50% more points) or Chase Sapphire Preferred (20% more points)
  • Lower prices sometimes through the portal
  • Can book all kinds of stuff like cars, hotels, and flights

You Can Fly With Us

London, England

Open Discussion

Basic Economy vs Economy

  • Can be found on American, Delta, and United Airlines
  • Can save $15-$30 per flight
  • You can’t pick a seat ahead of time
  • You also will be the last to board
  • On American and United, you cannot have carry on
  • On Delta, you can have a carry on
  • There should be warning signs on the websites for American, Delta, and United
  • Make sure to be careful on third party websites, they do not give warning signs

 

Learn more about Basic Economy vs Economy here

The Driftr Podcast – Episode 7

Posted By : Brian Fontenot/ 555 0

On Episode 7 we discuss the Question of the Day: When is the best day to book flights, an in-depth review of American Express Membership Rewards earning credit cards during our Cards and Points segment, take a trip to the beautiful location of Bali, Indonesia, and discuss our thoughts on travel packages: the good, the bad, the expensive.

 

On Episode 7 we discuss the Question of the Day: When is the best day to book flights, an in-depth review of American Express Membership Rewards earning credit cards during our Cards and Points segment, take a trip to the beautiful location of Bali, Indonesia, and discuss our thoughts on travel packages: the good, the bad, the expensive.

Question of The Day

When is the best day to book flights?

  • Anywhere between Tuesday to Thursday
  • Sometimes weekends
  • Most times inner week

Cards & Points

American Express Membership Rewards Earning Credit Cards

 

Personal

  • Platinum Charge Card
    • $550 Annual Fee
    • 5X Flight Purchases on AMEX Travel and Airline Websites
    • 5X Hotel Purchases at AMEX Travel
    • 1X Everything Else
    • $200 Airline Credit
    • $200 Uber Credit
    • TSA Pre Check/Global Entry $100 Fee Credit
    • Global Lounge: Centurion, Delta, and Priority Pass
    • More information here
  • Premier Rewards Gold Charge Card
    • $195 Annual Fee
    • $100 Airline Credit
    • 3X Flights Purchasing, 2X Gas and Restaurants
    • 1X Everything Else
    • More information here
  • Everyday Revolving Credit Card
    • No Annual Fee
    • 20% More Points after 20 monthly transactions
    • 2X Points at Supermarkets with a $6,000 annual limit
    • 1X Everything Else
    • More information here
  • EveryDay Preferred Revolving Credit Card
    • $95 Annual Fee
    • 3X Points at Supermarkets with a $6,000 annual limit
    • 2X Points at Gas Stations
    • 1X Everything Else
    • 50% More Points after 30 monthly transactions
    • More information here
  • Green Charge Card

Business

  • Platinum Charge Card
    • $450 Annual Fee
    • 5X Flight & Hotel Purchases on AMEX Travel
    • 1.5X Points on single $5,000 or more transactions
    • 1X Everything Else
    • $200 Airline Credit
    • 10 Annual Gogo Wifi Passes
    • TSA Pre Check/Global Entry $100 Fee Credit
    • Global Lounge: Centurion, Delta, and Priority Pass
    • More information here
  • Gold Rewards Charge Card
    • $175 Annual Fee
    • 3X on one category, 2X on others
      • Airfare purchased directly from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases at gas stations
      • U.S. purchases for shipping
      • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • 1X Everything Else
    • More information here
  • Green Rewards Card

You Can Fly With Us

Bali, Indonesia

Open Discussion

Travel Packages: The Good, The Bad, The Expensive

  • Overwhelming no on travel packages
  • Prices may be better individually purchasing components
  • Not too sure some times what airlines you may be on
  • Want to have flexibility
  • Purchasing at your own discretion