Changing Up Our Short Term Credit Card Strategy

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Everyone has their own approach to earning miles and points, especially when it comes to getting and using rewards earning credit cards. My own personal approach in recent years was to take it slow and steady and only pounce on the really good limited time offers. There were lots of reasons for that, including I was simply just busy with a baby and didn’t need to over-complicated my life more than necessary with lots of new cards. However, we are starting to travel more again, the baby isn’t really a baby, and as a result we have been pulling the trigger on a few more offers than we did in previous years.


For example, my husband and I both got the Chase Sapphire Reserve when it was at a 100,000 point bonus, and now we have each gotten the Ink Business Preferred cards with their 80,000 point bonuses (plus 20,000 referral bonus points each – once for me referring myself, and once for me referring him!).

Normally, I’d be good with that for now since we are still working on the spending requirements for the Ink Business Preferred Cards, but there are some limited time offers that are making me want to push the envelope a little further and put in some more applications.




First, there are the Delta Amex Cards that have increased bonuses of up to 70,000 miles each, but only for another two weeks through July 5, 2017. These cards typically increase their bonuses once in the summer, and I would hate to miss out since I actually find us getting good value from Delta SkyMiles as long as we pounce on limited time flash sales and don’t get our hearts set on just one type of redemption.

Note that all of the Delta Amex cards are considered unique products, so you can get each one individually even if you have had a similar one in the past. However, each card does have the caveat: “Welcome bonus offer not available to applicants who have or have had this product.” This means if you are looking to add a Delta Amex to your wallet, you probably want to pick one you haven’t had in the past…or get your partner to get one if they haven’t had it. I am leaning towards having Josh go for one since he hasn’t had one yet and I’ve had a couple.


Gold Delta SkyMiles® Credit Card from American Express: Earn 60,000 bonus miles after you spend $3,000 in the first 4 months + a $50 statement credit after you make a Delta purchase in the first 4 months. $0 annual fee for the first year, then $95. Terms Apply.


Platinum Delta SkyMiles® Credit Card from American Express: Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases in your first 4 months + $100 statement credit after you make a Delta purchase in the first 4 months. $195 annual fee. Terms Apply.


There are also small business versions of these cards with very similar temporarily increased offers I’m sure you can find if you poke around the internet a bit.

Last Call for Two Hyatt Award Nights

I really wasn’t planning on us going for another Chase card in the near term, but since the bonus that awards two Hyatt award nights after spending $2,000 on the Hyatt Card in the first three months is coming to an end, then we may have to suck it up and go for it. I have this card so I won’t be applying, but Josh doesn’t have it. My parents also don’t, and I think at least one of them should probably pick it up…especially since it will also give them free parking at M life properties in Vegas if they match the Hyatt Discoverist elite status the card awards with M life Pearl status.

Starting next week, the sign-up bonus on this card is changing from two nights you can use at any Hyatt, including the all-inclusive properties as shown below, to a flat 40,000 Hyatt points you can use however you wish. Some will like the flexibility of the points better, but personally I like the two award nights to use at places that would otherwise cost 25,ooo, 30,000, or even more Hyatt points per night.

Hyatt Ziva Cancun

It wasn’t in my strategy to have him go for a Hyatt card right now, but with the Citi Hilton Reserve Card that had awarded two award nights as the sign-up bonus already gone, I really don’t want to miss this one, too. The end date for the two Hyatt award nights version of the bonus is June 29, 2017. Keep in mind that if you are making a booking on that sometimes an offer including a $50 statement credit will appear!

To get the biggest rewards sometimes you have to be flexible and change up your credit card strategy to match the coming and going offers. I’d love to hear if some of these recent additions and subtractions from the rewards card landscape have altered your short term card strategy!


You can learn more about available card offers here. 

Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Hyatt: Your comments on why this wouldn’t be a sock-drawer card for everyone for the free Hyatt anniversary night? I’m surprised you all didn’t have one.

  2. My problem– We either have all the great cards or have had these cards at some point. UGH! I really surprised that most of your readers haven’t had them all. 🙂

      • That’s great! I’ve used many of your links to get these cards and love hearing about the great travel deals. Just got back from the Westin Grand Caymen after reading about it on here. Used my SPG points for a 6 night stay and used Citi Thank you points to fly American Airlines.

  3. If my Inlaws got the Hyatt card could I use the free nights or does the free night have to be used by the person on the card?

    • Technically the card holder has to use them, but some people have success booking the room then calling the hotel and adding a different person to the reservation to check-in. But, this strategy can’t be guaranteed. If they apply for the card after June 29th, they will get 40,000 points and can transfer those to you free of charge and you can book your own room in a category 1-5 hotel for the same (or better) value as the free night certificates. Only doesn’t work out if you are looking at a category 6 or 7 redemption.

      • I am over 5/24. Can I get the Hyatt card myself? I got denied when I applied for Chase Business. I have great credit . Your thoughts.

        • I can’t guarantee you will get appoved, but I can say there are many reports of folks who are over 5/24, but who get approved for the Hyatt Card.

  4. Do you and your husband each have your own business? Isn’t that the only way to get the business cards such as Ink? Just curious if there are other ways. Thanks!

  5. Was bummed when the Citi Reserve with two weekend nights went away. That sadness deepened with the Chase Hyatt change. Had planned to use both cards for a Hawaii trip in 2019. Loved the straightforward redemption of free nights. Now it gets a bit more complicated to earn the points to make the trip work. Argh!!!!

  6. applied for ink preferred but got declined for over 5/24 after reconsideration calls. MP or anyone knows of another way to get the decline overturned? currently have a biz chkg acct with a large balance with chase although not a private client. TIA

  7. Delta has very limited routes in/out of Texas airports – I am curious what routes you typically see value using their miles? Thanks

    • Well, you have to connect for most routes….but I’ve seen good offers from here to SLC and then we used ours to go to Nassau with a connection in Atlanta.

    • Funny enough…I am virtually out of SkyMiles at the moment but best time/deal on miles to NYC for a trip later this summer was Delta, so transferred MR points to Delta. First time for everything!

      • Yes…a NY routing is all I usually find relevant on Delta to my own travel plans. I can generally find $150-$250 (approx) RT fares from DFW, though, by booking in advance; plenty of carriers and schedules without my needing to use miles with a better value used elsewhere.

  8. I struggle with this too. Which cards to get. There are a lot of great offers right now.

    I am 2/24 right now
    I don’t have any hotel cards.
    I have CSR and Chase United – got the 70k offer.

    Trying to figure out what to do next, what would you advise?

    The 2 Delta cards
    American card that has 65k offer
    The 2 southwest cards to get the CP
    Or the Chase Biz Card for the 80k offer
    Hyatt card

    I know there are a million others to do to.

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