WEBVTT
00:00:09.119 --> 00:00:16.160
Today, I'm diving into the important updates you need to know about Chase Sapphire cards as of fall 2025.
00:00:16.719 --> 00:00:26.000
One of my pet peeves is bloggers and creators who act like Chicken Little every time things change on favorite cards and in favorite points programs.
00:00:26.239 --> 00:00:31.519
Here's the thing: changes are inevitable and the sky is not actually falling.
00:00:31.760 --> 00:00:37.759
In fact, in this case, the cards added some new unique benefits that you might not even know about yet.
00:00:38.079 --> 00:00:40.399
Welcome back to Points for Normal People.
00:00:40.560 --> 00:00:46.159
I'm Katie and I'm here because I know that travel costs add up, especially for a family.
00:00:46.399 --> 00:00:49.200
But I believe travel isn't just for the rich.
00:00:49.439 --> 00:01:05.040
That's why on Points for Normal People, I share the tips and tricks that my family has been using for over a decade to help you use your everyday expenses and credit card welcome offers to supercharge your travel points so that you can pay for entire vacations every year.
00:01:05.280 --> 00:01:10.000
The first thing I want to emphasize in this episode is that change is inevitable.
00:01:10.319 --> 00:01:19.359
Credit cards, banks, hotels, airlines, all of these businesses are for-profits that are going to do their darndest to make more money.
00:01:19.599 --> 00:01:26.560
Anytime you see something that seems like it has an outsized value, in my experience, it's not going to last.
00:01:27.040 --> 00:01:33.599
And it can be really frustrating to be saving up for a specific redemption and find the value has dropped significantly.
00:01:33.840 --> 00:01:34.719
That's tough.
00:01:34.959 --> 00:01:44.400
It can be frustrating to feel like you're just getting into points and you're just behind the curve and it feels like you missed all the good deals by a few months or a few years.
00:01:44.719 --> 00:01:50.719
It's frustrating to have to take more mental energy to pivot your strategy to accommodate for changes.
00:01:50.959 --> 00:02:00.480
Let me tell you, as a podcaster and a blogger, it's frustrating for me to have to go back and update a whole bunch of older content to make sure it stays up to date.
00:02:00.719 --> 00:02:11.439
But as someone who has been all in on this hobby for 14 years, I can tell you that in those 14 years, I have seen many a deal or sweet spot leave us forever.
00:02:11.599 --> 00:02:13.919
And some I'm still a little sad about.
00:02:14.080 --> 00:02:24.080
I'm tempted to go into the details, but I'm stopping myself because I hate when bloggers or podcasters reminisce about the good old days because it just makes newcomers feel like they missed out.
00:02:24.319 --> 00:02:29.680
But what I've seen time and again is that new deals and new sweet spots emerge.
00:02:29.919 --> 00:02:33.039
This is even true of points usage in general.
00:02:33.280 --> 00:02:37.439
A lot of people are constantly bemoaning points devaluations.
00:02:37.919 --> 00:02:42.240
What they mean is that the cost of something specific in points is increasing.
00:02:42.400 --> 00:02:45.840
I really think this is an inaccurate way to talk about it overall.
00:02:46.080 --> 00:02:50.960
Yes, over the past 14 years, I have seen hotels and flights cost more overtime.
00:02:51.120 --> 00:02:52.800
But do you know what's also increased?
00:02:53.039 --> 00:02:54.800
Earning potential for points.
00:02:55.039 --> 00:03:00.159
And I actually think that the earning potential has increased more dramatically than the points prices.
00:03:00.560 --> 00:03:08.159
As one simple example, for years and years, the Chase Sapphire Preferred card had a standard welcome offer of 50,000 points.
00:03:08.319 --> 00:03:15.120
The standard offer on that card has now been raised to 75,000 points if you spend$5,000 in the first three months.
00:03:15.439 --> 00:03:20.240
The annual fee is even the same, but now you can earn 50% more points.
00:03:20.560 --> 00:03:27.840
Ink cards, like the Ink Business Cash Credit Card, used to top off their offers with$500 or 50,000 points.
00:03:28.000 --> 00:03:35.439
But now we've seen at times they're up to$900 or 90,000 points, even on these no annual fee cards.
00:03:35.680 --> 00:03:41.199
So that's my long preface to say, don't be discouraged, it's going to be okay.
00:03:41.520 --> 00:03:45.280
And we'll walk through these updates and how to pivot strategy together.
00:03:45.520 --> 00:03:52.879
Today I'll dive into the 2025 changes to the Sapphire cards and a few fun new little perks on these cards you might not know about.
00:03:53.120 --> 00:03:58.319
Next episode, we'll talk about changes to the Chase business cards that earn ultimate rewards.
00:03:58.560 --> 00:04:02.000
Most of these changes took place in summer 2025.
00:04:02.400 --> 00:04:05.919
First up is the changes to the Chase Sapphire Preferred card.
00:04:06.240 --> 00:04:09.520
This card has an updated standard offer, as I just mentioned.
00:04:09.759 --> 00:04:12.879
Right before this, the standard offer was 60,000 points.
00:04:13.039 --> 00:04:15.039
It's now 75,000 points.
00:04:15.199 --> 00:04:16.319
And that's great.
00:04:16.560 --> 00:04:22.160
One tough change though is that the minimum spend requirement is now$5,000 in three months.
00:04:22.319 --> 00:04:24.560
And that's tough for a lot of families.
00:04:24.800 --> 00:04:32.160
If you don't normally spend$5,000 on a credit card in three months, you might need to be strategic about when you open this card.
00:04:32.399 --> 00:04:37.360
I'd suggest aligning when you open it with a month or two when you have bigger purchases.
00:04:37.600 --> 00:04:44.160
Maybe when your car insurance needs to be paid, or when you have home projects or kids' summer camp to pay for.
00:04:44.480 --> 00:04:50.720
Eligibility criteria has changed also, and it's a little unclear if this is positive or negative yet.
00:04:50.959 --> 00:05:02.720
It used to be that you could only apply for a Sapphire Preferred if it had been 48 months or more since you had received a bonus on any Sapphire product, Sapphire Preferred or Chase Sapphire Reserve.
00:05:02.959 --> 00:05:07.040
And it had to be that you held no other Sapphire product at that time.
00:05:07.279 --> 00:05:21.360
So even if you had a very old no annual fee Sapphire card, which hasn't been available for a long time, you had to cancel or change that into a Freedom card before you could apply for a Sapphire Preferred card and receive a bonus on it.
00:05:21.600 --> 00:05:23.759
Now the terms are a lot more vague.
00:05:24.000 --> 00:05:37.199
It now says the new card member bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card, or received a new card member bonus for this card.
00:05:37.439 --> 00:05:44.319
When people first started reading these terms, they worried that this meant you would only be able to get a bonus on this card once ever.
00:05:44.720 --> 00:05:50.319
But so far what we've seen in data points we're collecting is that in fact it's just inconsistent.
00:05:50.560 --> 00:05:56.480
In some cases, more people are eligible than before, and in some cases it seems like fewer.
00:05:56.720 --> 00:06:02.319
As of fall 2025, we honestly don't know exactly what this language will mean long term.
00:06:02.560 --> 00:06:24.879
One more change that I think is positive overall is that when you fill out an application and click apply, if Chase looks at your previous Sapphire cards with them and your overall credit history and decides that indeed you don't qualify for this bonus, they will give you a pop-up that says something like, you aren't eligible for this bonus, do you want to proceed with the application anyway?
00:06:25.199 --> 00:06:28.560
This is very similar to the way American Express runs.
00:06:28.720 --> 00:06:33.680
Now, if you really wanted the card just for the benefits, you could proceed and forego the bonus.
00:06:33.920 --> 00:06:36.319
But they do this before they check your credit.
00:06:36.399 --> 00:06:41.519
So there's no ding to your credit just for seeing if you might be eligible for a Sapphire bonus.
00:06:41.759 --> 00:06:54.480
I will add that even though the terms seem vague enough that you might be able to apply for a Sapphire Preferred while already holding a Sapphire Reserve, we aren't seeing many people or any people approved for this very commonly.
00:06:54.720 --> 00:07:00.639
There's also a change to the way that you can redeem points via Chase Travel, with a new program called Points Boost.
00:07:00.959 --> 00:07:08.240
I'm gonna wait and talk about this a little bit later in the episode because this changed on the Sapphire Reserve and Ink Preferred cards as well.
00:07:08.480 --> 00:07:13.519
Overall, the changes to the Sapphire Preferred aren't huge, and they're fairly easy to grasp.
00:07:13.680 --> 00:07:16.079
I'd consider them overall somewhat neutral.
00:07:16.240 --> 00:07:20.480
The Sapphire Reserve, on the other hand, has been totally refreshed.
00:07:20.800 --> 00:07:23.040
This means that they changed a lot.
00:07:23.279 --> 00:07:27.360
And I'm going to go over these changes here, but it's a lot to take in.
00:07:27.600 --> 00:07:32.560
In the show notes, you can find my detailed article on all the new benefits so you can go over them yourself.
00:07:32.800 --> 00:07:36.480
Overall, this has become a giant coupon book at a big price point.
00:07:36.720 --> 00:07:37.519
The price point?
00:07:37.680 --> 00:07:40.560
The annual fee is now$795.
00:07:41.360 --> 00:07:42.720
Whew! It's a lot.
00:07:42.959 --> 00:07:47.600
It is one of the highest annual fees of any publicly available card in the US.
00:07:47.839 --> 00:07:51.279
But this is one of those things where changes aren't always bad.
00:07:51.519 --> 00:07:56.160
So we were a family that opened a Sapphire Reserve right when it was released in 2016.
00:07:56.399 --> 00:08:03.519
The annual fee was just$450 at that time, and the card had a$300 annual travel credit that was so easy to use.
00:08:03.759 --> 00:08:11.360
So for us, it felt like it had a net fee of$150, plus it gave us lounge benefits and a better rate via Chase Travel.
00:08:11.600 --> 00:08:18.000
Spending$450 a year on a card felt crazy to me at the time, but the math made sense, so we did it.
00:08:18.240 --> 00:08:24.079
Then in 2020, the annual fee raised to$550, and by then the math didn't work in our favor.
00:08:24.399 --> 00:08:28.560
The Sapphire Reserve lounge benefits had dwindled down from when we first got it.
00:08:28.800 --> 00:08:35.120
It would have cost us$75 to add another authorized user to get enough lounge access for our family.
00:08:35.360 --> 00:08:38.879
So we product changed that into a freedom card instead.
00:08:39.120 --> 00:08:44.879
Now it's five years later, and this summer with the refresh, the card went up to$795.
00:08:45.360 --> 00:08:51.440
And the funny thing to me was that even at that crazy price point, for us, the math actually worked in our favor.
00:08:51.840 --> 00:08:53.600
So now we got it again.
00:08:53.840 --> 00:09:01.360
So I personally got it by upgrading a freedom card when Chase kept putting out social media posts that the card was going to be refreshed.
00:09:01.519 --> 00:09:07.840
Sometimes with a refresh, you get advanced info, and in this case, Chase did release the details in advance.
00:09:08.080 --> 00:09:15.039
So I decided to upgrade my Freedom card because it was a way I could lock in the$550 annual fee for a year.
00:09:15.279 --> 00:09:22.320
And because Mike and I already both had Sapphire Preferred cards, I know I probably wouldn't be eligible for a new card member bonus anyway.
00:09:22.559 --> 00:09:30.240
The math might not work in your favor, just because it works in my favor, I don't want you to ever feel pressure or FOMO to think it should work for you.
00:09:30.480 --> 00:09:36.320
I'm just sharing this as a specific example that things change, and you do have to do your own calculations.
00:09:36.559 --> 00:09:44.159
We've tried to make these calculations even easier for you with a new benefits calculator we added to our blog post for this card.
00:09:44.480 --> 00:09:52.960
This allows you to assign a value to each of the benefits according to what you think the value is to help you see if it really makes sense for you or not.
00:09:53.200 --> 00:09:58.320
So let's get into the changes and I will share as I go how I value each of these benefits personally.
00:09:58.559 --> 00:10:03.679
My values aren't meant to be prescriptive, it's just a personal descriptive example.
00:10:03.840 --> 00:10:07.519
As I said, the annual fee is now up by$245.
00:10:07.919 --> 00:10:10.399
It was$550 and now it's$795.
00:10:10.879 --> 00:10:17.120
Even worse, the cost to add an authorized user is now$195, where it used to be$75.
00:10:17.519 --> 00:10:20.799
So I personally did not add Micah as an authorized user.
00:10:21.039 --> 00:10:27.600
The only reason to add him would be for him to get his own lounge access, but he has that through other cards.
00:10:27.919 --> 00:10:31.840
$795 is a big out-of-pocket cost to make up.
00:10:32.000 --> 00:10:37.440
This is an incredibly hefty annual fee, and that fee alone will mean a lot of people will pass this card up.
00:10:37.679 --> 00:10:40.559
It's not a beginner-friendly card at this price point.
00:10:40.799 --> 00:10:48.559
But some people will see that astronomical fee and look at the annual credits and decide that surprisingly it makes sense for them.
00:10:48.799 --> 00:10:54.639
It all depends on how you already do your spending if this card provides true value to you.
00:10:54.879 --> 00:10:58.799
Now, this card already had some premium benefits, and those aren't changing at all.
00:10:59.039 --> 00:11:02.799
I won't go over those in detail, but I will mention them briefly here.
00:11:03.120 --> 00:11:07.519
Those include it has a very easy-to-use$300 travel credit.
00:11:07.679 --> 00:11:10.960
It is the easiest travel credit of any premium card.
00:11:11.200 --> 00:11:19.759
If you pay for anything that codes as travel, you will get a statement credit for those purchases until you reach$300, even parking counts.
00:11:19.919 --> 00:11:25.600
It also has access to Sapphire Lounges and Priority Pass Lounges for the cardholder and two guests.
00:11:25.840 --> 00:11:31.360
If you're flying on a Star Alliance airline, you can also get into select Air Canada Maple Lounges.
00:11:31.679 --> 00:11:39.679
It has two$10 a month DoorDash credits for non-restaurants, and another$5 a month DoorDash credit you can use anywhere.
00:11:39.919 --> 00:11:47.840
So it already had those, it still has those, but now it has more benefits and credits, hence the coupon book aspect of it.
00:11:48.080 --> 00:11:55.039
It now has added through June 2027 a free subscription to Apple TV Plus and Apple Music.
00:11:55.279 --> 00:12:00.960
Normally, Apple TV Plus costs$9.99 a month, and Apple Music costs$10.99 a month.
00:12:01.120 --> 00:12:07.919
So this is useful if you already pay for these, or if you're willing to switch from another music service like Spotify to save.
00:12:08.159 --> 00:12:12.559
There are even services that help you transfer all your playlists if you're switching over.
00:12:12.799 --> 00:12:15.360
Personally, I value this at about$100 a year.
00:12:15.519 --> 00:12:18.240
We have Apple TV Plus most of the year, but not all.
00:12:18.399 --> 00:12:24.080
There's another new perk if you're a Peloton user of earning 10 X points and up to$10 per month.
00:12:24.240 --> 00:12:27.519
If you already have a subscription with Peloton, this is a true credit.
00:12:27.759 --> 00:12:31.360
If not, it might be a fun perk or it might be worthless to you.
00:12:31.519 --> 00:12:37.360
The cheapest option is a subscription to the Strength Plus app, which costs$9.99 a month.
00:12:37.600 --> 00:12:39.759
This credit should cover that in full.
00:12:39.919 --> 00:12:45.919
But note that you have to activate this benefit at a specific website before you'll start getting that credit.
00:12:46.080 --> 00:12:49.919
I personally valued this for me as$0 because I don't use it.
00:12:50.159 --> 00:12:58.320
A bigger credit that was more exciting to me is that you get a total of$300 statement credit per year for StubHub or via Gogo.
00:12:58.799 --> 00:13:00.240
This is broken into two credits.
00:13:00.399 --> 00:13:04.320
You get$150 statement credit for purchases twice a year.
00:13:04.559 --> 00:13:08.960
One of the$150 will be good from January 1st to June 30th.
00:13:09.039 --> 00:13:13.519
And then between July 1st and December 31st, you get another credit to use.
00:13:13.679 --> 00:13:17.759
Now this credit is good through June 27th, 2027, as of now.
00:13:17.919 --> 00:13:22.799
Like the Peloton credit, this requires a one-time activation before it will work.
00:13:22.960 --> 00:13:26.159
And note that events in the UK for some reason will not work.
00:13:26.320 --> 00:13:30.960
You have to tread somewhat cautiously if you're coming up to the date of the cutoffs, too.
00:13:31.120 --> 00:13:35.440
I'm not sure yet if it will code properly based on when you made the purchase.
00:13:35.679 --> 00:13:42.000
So I'd recommend using it at least a few days before those deadlines, before June 30th and December 31st each year.
00:13:42.240 --> 00:13:50.720
For us, this is a great credit, as we actually use StubHub regularly to buy tickets to sports events, yay, Go Cubs, and theater productions in Chicago.
00:13:50.960 --> 00:13:55.919
We particularly like using StubHub for last-minute tickets, like when we saw Hamilton for$50.
00:13:56.720 --> 00:14:01.840
But as with all the credits, you need to value it according to how you actually spend your money.
00:14:02.080 --> 00:14:06.799
For us, this is worth a full$300 a year, but it might be worth nothing for you.
00:14:07.039 --> 00:14:11.759
You also get a similar credit for restaurants, but only particular restaurants.
00:14:12.000 --> 00:14:14.559
The list is linked in my Sapphire Reserve Guide.
00:14:14.720 --> 00:14:18.799
If you dine in at these restaurants, a statement credit will be automatically applied.
00:14:19.039 --> 00:14:36.720
You can get a maximum of$150 in statement credits from January 1st through June 30th, then it resets, and you can get up to another$150 from July 1st through December 31st, for a total maximum accumulation of$300 in statement credits each calendar year.
00:14:36.879 --> 00:14:44.720
The fine print says to make sure you pay with a physical card, as Apple Pay and digital wallets may not code properly for the statement credit.
00:14:44.960 --> 00:14:54.159
And as of September 2025, there are some problems for people getting this to code properly at some restaurants, even when paying with their physical card.
00:14:54.320 --> 00:14:56.799
So you definitely want to check up on this one.
00:14:57.039 --> 00:15:03.279
I think this is a fun new benefit if you live in one of the cities with these restaurants or you'll travel to them.
00:15:03.440 --> 00:15:09.039
Some of the restaurants are pretty high-end and some have more medium-priced meals in the$20 to$30 range.
00:15:09.279 --> 00:15:14.240
So for us, this means we could probably get three to four dates a year out of using this benefit.
00:15:14.320 --> 00:15:15.200
And that's fun.
00:15:15.360 --> 00:15:16.960
Or maybe two fancy dates.
00:15:17.120 --> 00:15:20.399
But it's easy for us to use because we live in the suburbs of Chicago.
00:15:20.559 --> 00:15:22.080
It might not be easy for you.
00:15:22.320 --> 00:15:25.919
So personally, I'd value this at probably about$250.
00:15:26.559 --> 00:15:32.240
Side note, if you live in Denver and get this card, I will give a shout-out to Taverna, which is on the list.
00:15:32.320 --> 00:15:35.600
And my sister told me it is their favorite restaurant in Denver.
00:15:35.759 --> 00:15:39.360
And my sister and her husband own a restaurant, so she would know what a good restaurant is.
00:15:39.600 --> 00:15:43.840
The next credit is one that I think for most people listening might go unused.
00:15:44.159 --> 00:15:50.720
Remember that it's okay to leave a benefit unused if it will cost you more to redeem it than you want to spend.
00:15:50.879 --> 00:15:54.000
This has a little bit more of a complicated calculation.
00:15:54.159 --> 00:15:55.759
And this is a hotel credit.
00:15:55.919 --> 00:16:01.120
Specifically, it is marketed as a$500 credit for stays with the edit collection.
00:16:01.360 --> 00:16:05.919
But it's not as good as it sounds because, like the credits above, it comes in two credits.
00:16:06.159 --> 00:16:11.360
Now, when this was first released, each credit came for exactly half the year.
00:16:11.600 --> 00:16:19.679
Now it's been updated, and as of January 1st, 2026, you'll instead get two of the$250 credits each calendar year.
00:16:19.840 --> 00:16:22.080
So it's more flexible than it initially was.
00:16:22.240 --> 00:16:24.720
You don't have to wait till July to get your second credit.
00:16:24.960 --> 00:16:28.960
To get the credit, you're required to book a two-night minimum stay.
00:16:29.120 --> 00:16:34.000
And it has to be booked through Chase Travel, and you have to book one of these The Edit Collection hotels.
00:16:34.240 --> 00:16:42.720
So I initially scoffed at this edit credit because at first glance it seemed to me that most of the edit collection hotels were very expensive.
00:16:42.799 --> 00:16:50.320
And on my first skim through, some of these hotels also seem to be priced much higher via Chase Travel than booking direct.
00:16:50.879 --> 00:16:56.159
But I've changed my tune a little bit about doing a little bit more digging into the possibilities here.
00:16:56.320 --> 00:17:01.039
So I want to briefly go through what I think some of the sweet spots are that I've found.
00:17:01.279 --> 00:17:05.599
When you book a hotel through Chase's edit collection, you get a few more perks.
00:17:05.759 --> 00:17:12.720
So this includes a$100 to$200 property credit, daily breakfast for two, and a possible room upgrade.
00:17:12.960 --> 00:17:21.680
Going back to the benefits calculator, now I personally still don't assign this a value, because if I can use it, I consider it just an extra perk.
00:17:21.839 --> 00:17:26.240
But I'll go through some sweet spots and some places that I think it could be used usefully.
00:17:26.480 --> 00:17:29.920
In fact, my first example of a sweet spot is my own use.
00:17:30.319 --> 00:17:33.039
Mike and I, in fact, used this back in August.
00:17:33.200 --> 00:17:39.920
We had a chance to take a very quick two-night getaway trip, our first one ever since having kids.
00:17:40.160 --> 00:17:45.359
And I was browsing hotels in the Cancun area because that's a very easy nonstop flight for us.
00:17:45.680 --> 00:17:56.400
I realized that the Impression Mokshe by Secrets, which is also under the world of Hyatt Umbrella, and it's a hotel that I'd considered before, was part of this edit collection.
00:17:56.640 --> 00:18:14.000
And I realized that by using my edit collection credit and booking via Chase Travel, and then paying the rest with points directly in Chase Travel, it was actually going to be cheaper than by booking if I were to transfer my Chase points to World of Hyatt and book that way.
00:18:14.240 --> 00:18:16.319
And we got some extra perks too.
00:18:16.480 --> 00:18:17.839
So here's how that worked.
00:18:18.079 --> 00:18:24.559
Impression Moksha for my dates would have cost 50,000 Hyatt points per night if I'd booked directly through Hyatt.
00:18:24.880 --> 00:18:27.440
Or 100,000 points for a two-night stay.
00:18:27.759 --> 00:18:28.400
That's a lot.
00:18:28.640 --> 00:18:37.680
If you've been listening to this podcast, you know that transferring ultimate rewards to Hyatt and booking Hyatt hotels is one of our favorite ways to use our points.
00:18:38.000 --> 00:18:42.559
But in this case, we found a better option via the Edit Collection credits.
00:18:42.720 --> 00:18:50.319
So the price for our hotel on Hyatt.com was$837 per night, with the total coming out to just over$1,600.
00:18:51.200 --> 00:18:57.039
It's usually going to be a little cheaper on Hyatt.com because they often have a cheaper members' rate.
00:18:57.279 --> 00:19:02.160
On Chase Travel for our dates, the hotel cost$1,800 for the same room.
00:19:02.319 --> 00:19:04.240
So it was about$200 more.
00:19:04.400 --> 00:19:10.640
And at first glance, that might seem like the$250 that we were getting from the Edit Collection is pretty much a wash.
00:19:11.119 --> 00:19:17.039
But you do get one more perk booking via the Edit Collection, which is a$200 property credit.
00:19:17.200 --> 00:19:19.759
So that does add some theoretical value back.
00:19:20.000 --> 00:19:25.680
With some of the edit properties, including this one, you still get to earn Elite Night credits too.
00:19:25.920 --> 00:19:31.359
So we knew we'd earn those whether we were booking through Chase Travel or directly through Hyatt.
00:19:31.839 --> 00:19:35.599
But here's the last part that made it cheaper for us to book via Chase Travel.
00:19:35.920 --> 00:19:40.559
Edit properties are part of the new points boost pricing with Chase Travel.
00:19:40.880 --> 00:19:49.359
So overall points boost, and I'll go into this in a minute, is hit or miss because the new standard redemption rate is lower, it's one cent per point.
00:19:49.519 --> 00:19:53.279
But if a property is on points boost, it's higher than it used to be.
00:19:53.519 --> 00:20:02.720
In this case, and I've since learned that all edit collection properties are the same, it was on points boost with a redemption rate of two cents per point.
00:20:03.039 --> 00:20:06.960
This is much higher than the rate ever used to be with the Sapphire Reserve.
00:20:07.200 --> 00:20:10.640
So remember how it cost$1,800 for my two nights?
00:20:10.880 --> 00:20:13.039
Here's how it actually broke down.
00:20:13.279 --> 00:20:18.319
I brought up the reservation via Chase Travel and I chose to pay with cash plus points.
00:20:18.559 --> 00:20:22.400
I wanted to use$250 in cash and the rest in points.
00:20:22.559 --> 00:20:27.680
So it started at$1,800 and I paid$250 knowing it would be reimbursed.
00:20:27.839 --> 00:20:32.559
That meant I needed points to cover the remaining$1,500 and fifty cost.
00:20:32.960 --> 00:20:40.079
Because the rate was$2 per point, it cost me$7,500 points to book or about$39,000 points per night.
00:20:40.240 --> 00:20:44.799
That was$11,000 points cheaper per night than booking directly with Hyatt.
00:20:45.119 --> 00:20:51.359
I still got my elite night credits for my Hyatt status, and we got a$200 property credit as well.
00:20:51.839 --> 00:20:58.160
Another perk I really liked of booking this way was that if you book with Hyatt points, you can only select the base level room.
00:20:58.319 --> 00:21:05.279
But if you book with Chase Travel, you have more room options, so you can choose a specific room with a view or with other perks.
00:21:05.599 --> 00:21:10.480
In our case, nothing else was available because I was booking about two weeks before our trip.
00:21:10.720 --> 00:21:17.599
But on other dates, when I was researching, for instance, I saw rooms with a swim out pool, which is not typically bookable with points.
00:21:17.839 --> 00:21:21.920
I will also take a moment to say that this hotel was incredible.
00:21:22.240 --> 00:21:27.599
Of course, we had such a relaxing stay since it was our first kid-free getaway in 13 years.
00:21:27.839 --> 00:21:29.920
But the service was amazing.
00:21:30.160 --> 00:21:33.279
As a mom, I take care of little things all the time.
00:21:33.440 --> 00:21:36.319
And this was such a treat to feel so taken care of.
00:21:36.480 --> 00:21:43.359
Like when we arrived at the pool, they brought us to a chair and gave us towels and tucked our towels in around our seats.
00:21:43.599 --> 00:21:57.279
And one night we were asking our butler, because we even had a butler, if there were any pools or hot tubs open later than 6 p.m., which there aren't, but she replied back via WhatsApp that she could fill up the hot tub on our balcony for us.
00:21:57.440 --> 00:22:02.799
And when we got back up to the room, she had set out towels and slippers and incense and robes for us.
00:22:03.039 --> 00:22:08.400
The property credit was less useful because it's already a very fancy, all-inclusive.
00:22:08.480 --> 00:22:12.240
And to be honest,$200 won't go very far in the spa.
00:22:12.480 --> 00:22:19.839
We ended up using our credit on an upgraded dining taco experience, which was a private dinner with a chef, and it was a lot of fun.
00:22:20.000 --> 00:22:24.400
I wouldn't have paid$200 for it, but for free, it was delightful.
00:22:24.640 --> 00:22:29.599
The math really worked out on this one because we were going in somewhat of an offseason.
00:22:29.759 --> 00:22:33.759
And that's where you're often going to find sweet spots with those edit credits.