Frequent Miler on the Air - Hyatt & Air Canada's partnership reaches next level | Frequent Miler on the Air Ep379 | 10-16-26

Episode Date: October 16, 2026

This podcast episode is sponsored by Saily. Saily is an ESIM service app created by the security experts behind NordVPN. Instead of paying absurd daily rates to your home carrier or swapping SIM cards on arrival, Saily gives you flexible prepaid data plans in over 200 destinations worldwide. Download Saily from your app store and use our code FREQUENTMILER at checkout to get 15% off your first purchase. https://saily.com/frequentmilerIn today's episode, United will be making it harder to earn status in 2027; we're simplifying our card and bank account collections; there are Amex Platinum card rumors, and Hyatt now allows transferring points to others online. And speaking of Hyatt... they've made the next move in their relationship with Air Canada. But... is it enough?Giant Mailbag(01:13) - Megan asks Greg if he's considered opening a Bask Bank account as a potential for AA milesLearn more about the Bask Bank Offer hereBonvoyed: United(09:16) - United will be making it harder to earn status in 2027This Week in Points(13:35) - Transferring Hyatt points to other members can now be done online!(16:44) - Rove has added another new transfer partner: JetBlue(18:40) - Elite night credits from multiple IHG credit cards do stack(20:34) - Hilton and IHG drop their point sale price below half a cent(23:59) - Get paid to visit Vancouver, British ColumbiaLearn more about getting paid to visit Vancouver here(25:49) - Amex Platinum Rumors(39:00) - Find our "Which cards are keepers?" resource herePersonal Points(39:22) - Nick is downgrading cards(46:50) - Greg is downgrading cards too...Main Event: Hyatt & Air Canada's partnership reaches next level(50:30) - Initial partnership(54:21) - What's new?(1:04:06) - Hyatt/Air Canada Dual accrual promoSubscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderCheck out all of our other travel podcasts from around the worldThis podcast is part of the Voyascape Network, a collection of some of the world’s best travel podcasts. Explore more at Voyascape.com. For advertising or sponsorship opportunities on this show and across the network, email [e-mail] or you can find more information at Voyascape.com/advertsing.

This is a Voyescape podcast. You can find all of our travel podcasts from around the world at voyescape.com. This podcast episode is sponsored by Sayley. Sayley is an e-Sim service app created by the security experts behind NordVPN. Instead of paying absurd daily rates to your home carrier or swapping SIM cards on arrival, Saly gives you flexible prepaid data plans and over 200 destinations worldwide. Setup takes just a couple of minutes on your phone before you leave. your data activates automatically when you touch down.

Plus, in order to reduce your data consumption, Saly actually blocks malicious sites, trackers, and annoying ads while you browse. Whether you need a quick gigabyte for a weekend away or unlimited data for a longer adventure, Saly keeps you connected without any surprise bills waiting for you at home. Ready to upgrade your international roaming? Download Saly from your app store and use our code Frequent Miler at checkout to get 15% off your first purchase. Details are in the show notes. On today's episode, United will be making it harder to earn elite status in 27.

Greg and I discuss simplifying our card and bank account collections. We have some juicy MX platinum card rumors to share. Hyatt now allows transferring points to others online, finally. And speaking of Hyatt, they've made the next move in their relationship with Air Canada. But is it enough? Frequent Miler on the air starts now. Today's main event, Hyatt and Air Canada's partnership reaches next level. Hyatt and Air Canada had announced a partnership several months back,

and they left some parts not quite fulfilled yet, but they finally reached second base and they're ready to rock and roll with the rest. We will dive into the details in today's main event. And if you want to jump ahead to that or you want to come back to something later on, don't forget you can always find the timestamps in the show notes. Just expand the description. box, you'll also find links to more information about all the things we're talking about there. And wherever you're watching or listening, don't forget to like the video or leave us a

podcast review. We always appreciate your feedback, leave your comments as well. So thank you very much for that. Now let's drag out this week's giant mailbag. All right. This week's giant mail comes from Megan. Megan's writing in because, as many of you probably remember, City had shut down all of my credit cards. And that means I can no longer get an American Airlines credit card. So Megan writes, Greg, given that you are now locked out of credit card avenues to earn American Airlines miles, have you considered opening a Basque bank account, especially with the current 20,000 point bonus for holding $50,000 for 90 days?

I'm not sure if your tax situation and your personal AA mile valuation makes BASC makes sense to you, but the welcome offer probably makes this one profitable, at least in the short term. It may not be worth bothering with for most listeners, but for others locked out of the city ecosystem, it could potentially make sense. Thoughts? All right. Well, so we got to talk about what the Basque Bank offer is, and then I want to hear what you have to say about it.

So there'll be a link, obviously, to more information in the show notes, but at a high level, you can get 20,000 bonus American Airlines miles by opening your first Basque mileage savings account by November 30th, funding it within 15 days, and maintaining a balance of $50,000 or more for 90 consecutive days out of the first 120 days from initial account opening. So it's a savings account and you earn 1.75 American Airlines Advantage miles for every $1 saved annually. So, you know, if you put $50,000 in there, let's make it easy, put $100,000 in there for a year, you would earn $175,000 miles at the end of a year, right? Yeah. So that sounds like a lot.

But, you know, if you compare it to what you might be able to earn with stock investments or a high yield savings account, maybe it's not so good. And that's kind of where Megan gets to saying, you know, I don't know how much you, meaning me, personally value American Airlines miles because I'd have to value 1.75 miles more than 1.75 cents because you know, if I just valued American Airlines miles at one cent each, it wouldn't make any sense to put all that money in a savings account that's only earning 1.75 percent. But, you know... Especially because it's not making sense. Right. It's not making any sense on top of the miles earned.

And it's not... There's no compound interest in this case because you're not getting compound interest from the American Airlines miles earned. And then there's a tax thing because... these earnings, actually just like a savings account, any earnings will be reported as earnings that are taxable. And so, you know, that slightly decreases, I guess, the value of American Airlines miles because of having to pay tax on those earnings. So all that makes a lot of sense. And I think this is a great suggestion. I'm not at the point personally where

I'm going to do that for a couple reasons. One is that I actually right now have a lot of American Airlines miles. I think I previously on some show or somewhere I said, I don't remember how much I said, but 600,000 or 700,000 somewhere in that range. But at that point when I said that, I forgot, I had a bunch of American Airlines miles in my business American Airlines account. So anyway, and also I had some awards that I wasn't actually going to take

that I canceled. So between all of that, I actually am sitting at just over a million American Airlines miles right now. So earning more is not, while I'd like to, it's certainly not anywhere near urgent, right? So that's one thing.

So it's kind of like Best Bank, you know, maybe I'll look at that, more favorably in a few years when I work down my balance. The other thing, kind of totally unrelated, except it's related in a way, is that I've been just recently trying to reduce the number of random bank accounts that I have. I've got a lot of random ones from different sign-up bonuses or other opportunities, you know, and they've just kind of been sitting around and And I've been, you know, thinking about what if something happens to me? What are my wife and son going to do with all these random accounts all over the place?

And there's just no reason to keep them alive. So I've been just started systematically going through and trying to close all these accounts. So I don't, I'm not in the mood right now to open a Bask Bank account for that reason. Yeah, you know, I'm in a similar mode of trying to. simplify because I have a lot of these random bank accounts also. So I totally sympathize with that. I look at it from two different lenses, though. First of all, you mentioned it's not a priority right now because you've already got a million miles. And so it's not urgent for you to get more miles at this point. And I understand that point. Of course, you don't want to wait until

it is urgent to get more miles because this is one mile per dollar saved over the course of an entire year. So it's a slow way of earning miles. So, you know, you don't need to, it right now, but you also don't want to wait until you're at zero if this is something that matters to you because it's going to take a while. You get that initial 20,000 relatively quickly, but that only gets you so far. But on the flip side, I look at it and 20,000 miles for putting $50,000 into an account for three months is not a great bank account bonus. You know, like objectively speaking, there are lots of bank account bonuses out there in the four, five, $600 range. I got one from Wells Fargo recently. It was $825.25.

$5 that didn't require $50,000 put aside for 90 days. You know, if you go to like the doctor of credit best bank account bonuses, you can get enough value that it would pretty far exceed the 20,000 miles. I think so. It's not terrible, you know, it's something, but it's not terribly competitive either. If I were looking for bank account bonuses, there are probably other bonuses I'd be looking at first ahead of the Basque one, I think. Even though I like American Airlines miles and I don't have nearly as many as Greg,

it's not enough return for me, especially when you consider, like you said, you're going to get tax just like it's interest. It's just not valuable enough for me. It's an interesting suggestion, though. I'm glad you suggested it so we could talk about it because I think it is an interesting topic and one to consider for people that don't have another avenue to American Airlines miles. It's worth consideration. Yeah. And I think this is a great suggestion. And it's certainly one that I'm going to keep in mind as things go forward. And, you know, if they offer a better deal on a sign-up bonus, and as interest rates are starting to go up, I imagine we'll see better than 1.75 soon, and then that might become more interesting. So all those things, you know, may add up to me reconsidering this. And I'll just notice, note, and she mentioned this too in her email, but I didn't read this part, that there are, of course, other ways to earn American Airlines miles without. credit cards, obviously flying, but there's also things like American Airlines hotels where you book a hotel and you can earn a bunch of points and status points from doing that.

There's portals. There's simply miles, which is sort of like a portal. So there are definitely ways of doing it. And yeah, so anyway, it's a great idea. Yeah, very good. All right. Thanks for that suggestion. Let's move on to Bonvoy, United Bonvoy.

us this week. United will be making it harder to earn status in 2027. So like other airlines, they're moving to the single status point system where, you know, there's no longer going to be a number of segments that you earn plus an amount of money. It's just basically how much money you spend with the airline is really what it comes down to. So in, in 2026, you can earn with a combination of premier qualifying flights and premier qualifying points or on premier qualifying points or on premier qualifying points only. And of course, if you do premier qualifying points only, you need more premier qualifying points. So if you fly a bunch, you can fly a bunch and have fewer premier qualifying points. And if you don't fly very much, you could just do more premier qualifying points in

2026. But starting next year, there'll be no more premier qualifying flights. It'll just be the premier qualifying points. And some of those are increasing. So Premier Silver is going to require 6,000, Premier gold 12,000, those are both the same as in 2026. Premier Platinum is going to require 18,000, which again is the same as 2026. But Premier 1K is going up from 28,000 in 20206 to 32,000 Premier qualifying points. And again, no way to shorten that, to reduce that with Premier qualifying flights. What do you think? Yeah. Well, I just want to real quickly to summarize things, If you are earning entirely through Premier qualifying points already, nothing's really changing unless you want to get to that top Premier 1K status.

You know, so for you, it's the same, but it's for people who are earning through a mixture that it's going to be, it's definitely going to be harder at all levels. So that's too bad. You know, what do I think? I think I'm kind of surprised they hadn't done this already. You know, it's a trend that we've seen in the industry. moving to the one metric.

And so now United is saying we're doing that in 2027. One thing that stands out for me about United is that their credit cards earn far fewer, let me just call them status points, than any of the other major airline programs that let you earn those status points with credit card spend. And so I kind of wonder, like, will they change that in 2027? Or are they just hoping that, you know, people will, when it's all PQPs, will people just do the extraordinary amount of spend on the credit cards required to get to each status level? Which I have to say, is so much higher than with Delta or American Airlines.

Or Alaska, it's just not even funny. So anyway, yeah, it's, you know, again, it's expected. It's not fun if you were on this elite status treadmill, you know, then you've got new hoops to overcome. And but it's totally expected. So hopefully they'll make up for it a little bit by increasing the credit card earn, but we have to wait and see. hopefully they will you know i saw a reel from summer hollow the points guy about this she's a you know

united elite member and has been for a long time and she was mentioning you know how frequently you fly won't really matter anymore and and she said that a few times and i thought to myself you know it really is kind of ironic how frequent flyer programs have really become big spender programs right i mean that's that's what they've kind of turned into is tracking how much you spend with the airline or with the credit card rather than how frequently you fly it doesn't really have matter how often or how far or anything else. It's just how much you spend. So they're really big spender programs. Yeah. No, totally. And it makes sense because they want to reward the customers that are sending more money their way. And the way to send money their way is either by buying

expensive airplane tickets or by, you know, using their credit cards a lot. Yep. Yep. Absolutely. All right. This week in points. Let's talk about some of the highlights from this week. First up, transferring Hyatt points to other members can now be done online. What? That's exciting. It's about time. So until now, we've had to fill out a PDF form and email it in. I actually remember when you used to have to fax it in.

In order to transfer points to other members. But now we can do it online. So that's a fantastic change that is. It's long overdue. There are limits. You can only do one per calendar month. You can do six up to six per calendar year. You can do at most 525,000 points transferred in a calendar year.

And each member must have their account open for at least 60 days before doing this. But those all seem like reasonable limits to me. Yeah, they do. I'm excited. I'm glad to see this online. and glad to see it's easy to do. And there's not a huge change in the sense that you could only do it once per calendar month before.

And although I don't think there was the six times per calendar year limit before, effectively, like how many more times than that were you're probably going to be able to do it with the 30-day requirement in between them? You could do it 12 times, I guess, maybe before. But probably most people weren't doing it more than that. The max of $525,000 at first glance, I was like, oh, that's really reasonable. that's plenty of high at points. And then I thought about it more and I was like, well, that's just seven nights at a top tier peak price property. So you could do that one time per year to somebody else,

which is nice. It's certainly better than nothing. But that I guess is a big departure from before because there were times in the past where I had more than one stay like that over the course of a year. And of course they weren't priced at 75,000 points per night in the past. Now as prices go up, I don't know, maybe that 525,000 point cap could become more of an issue than it initially seemed. When I first saw that, I was like, oh, that's great. That's plenty high enough. And then I thought about it more. And I was like, I don't know.

Will it be enough? Hopefully, if you travel with family a lot, though, maybe that's going to be an issue for some folks. I don't know. Net win, I would say still. But I guess it depends on how expensive the average higher property becomes in the long run. Yeah, I guess so. So, all right. Well, you know, I can count on one hand how many times I've done point transfers, and I don't think I've reached anywhere near 525,000 across all time.

Really? What? Seriously? I'm not worried about that. Yeah. Oh, that's interesting. Yeah. I've definitely far exceeded that.

Traveling a family, even just with my wife and I, we've transferred, I think, more than that between the two of us before. because we ended up with high points in each other's accounts or, you know, some in her account that we wanted and my account, et cetera. But anyway, yeah, so there you go. Different strokes are different folks. Probably good news for most people. Next up, Rove has added another new transfer partner, JetBlue, True Blue. So JetBlue is now a one-to-one Roe of transfer partner,

and they're offering a 20% transfer bonus through November 14th. What do you think about this edition? I mean, great. You know, more is better. JetBlue isn't, you know, like a, it's not a must-have transfer partner in my mind. It doesn't have that many kind of sweet spots, but it has some. And every now and then, JetBlue itself has good deals for its own flights, but they also have a number of miscellaneous partners that you could use your points on.

So being able to transfer to JetBlue, great. And I love that it's one-to-one because there are some programs that transfer to JetBlue at worse than one-to-one. The 20% transfer bonus is interesting. That strikes me as one of the smallest transfer bonuses we've seen Roeve offer for a brand-new transfer partner. They've typically offered significantly more. Though, to your point, not everybody even transfers one-to-one to JetBlue.

So the 20% transfer bonus on top makes it feel like a bigger bonus if you're comparing to one of those transferable currencies that isn't even one-to-one to JetBlue. Right, right. I have to assume that the way we value points is very different from how the airlines value them when they're selling the points to these programs, right? So JetBlue must be expensive. That has got to be why a number of programs do less than one to one. And so the 20% transfer bonus is probably due to it being pretty expensive. So it makes sense to me.

But yeah, it feels weird because when you look at the much higher transfer bonus, to programs that can give real outsized value like Japan Airlines. You know, it looks, it looks weak. But still, any bonus? Much better than none. Absolutely. Okay, next up. Elite night credits from multiple IHG credit cards do stack.

This is something we covered before, but we finally got the update to the terms to confirm this, right? Right, right. So, you know, okay, yeah, as you know, IHG has. both introduced a new premium credit card as well as refreshed all of their currently available credit cards. And now all of these credit cards come with elite night credits, meaning like just for having the card, each year you'll get a certain number of elite qualifying nights that get you closer to elite status, get you milestone rewards, like sweet upgrade awards and things like that.

And the terms that were listed on the sign-up offers initially said that they don't stack. You would only earn from one of your cards, not all of them. But our IHG slash Chase contact had told us that they would stack and that the terms were going to be updated right away. Well, they weren't updated right away, but they did get updated eventually to just remove any words. about them not stacking. So we now believe, you know, time will tell for sure that it's working correctly, but we now believe that having multiple of these IHG credit cards, the elite nights are actually going to stack as we talked about.

On the last show, I think we hypothesized that they probably would stack, but now it looks like they definitely will. And that's great news for anyone interested in IHG elite status and the milestone perks I come with it. Absolutely. Yeah, it certainly is. So good news there. Glad to see that change finally updated. All right. Hilton and IHG have now dropped their point sale price below half a cent. So in the past, we used to frequently see both IHG and Hilton sell points for about half a cent per point, or right at the half cent per point mark quite a bit. IHG recently had a sale. It's now expired. with a 100% bonus plus 3,500 additional points when buying 35,000 points or more.

So that dropped points to as low as 0.48 cents per point, just under half a cent per point. And Hilton now through November 21st, 2026 is offering 120% bonus. So that means points cost 0.45 cents per point. So this is just a little below half a cent. What do you make of this? Yeah, you know, the reasonable redemption value, the amount that you can expect to get from your points if you don't try to cherry pick the most valuable awards has been dropping over time, especially for Hilton. It's just been extraordinary how quickly it's been dropping.

And so, you know, I think they are realizing, you know, people are seeing that it doesn't make sense, I'm assuming, to buy points at even half a cent each anymore. And so they're trying, you know, let's make it even cheaper to buy points. And now, IHG, there's a couple things there. That bonus, it's not scalable. So, like, you have to buy an exact, exactly 35,000 points in order to get it to be, you know, as low as 0.48 cents per point, which is so close to 0.5, it might as well be 0.5 anyway, right? And then it closes in on 0.5, the more you buy.

So I don't make a lot out of this other than to say just in general. It's surprising to see both of these programs break that 0.5 mark because that's been the best sale they've had for many years with both of them. And so both them did it around the same time. Yeah, it's interesting that they both happened right around the same time. They both dropped below the half a cent at the same time. Are you a buyer, since Hilton is still available through November 21st, are you a buyer at 0.45 cents per point? No, I would, you know, if there was a high value redemption that I was about to make and I needed more Hilton points, or why not? But in general, our reasonable redemption value for Hilton has dropped to below 0.4 cents per point.

So it's a bad bet to buy them prospectively more than that. Yeah, I'm not a buyer at that point unless, like you said, unless there was an imminent stay where I knew I was going to get more value out of them, then, yeah, I wouldn't be. And even then, it would have to be an imminent stay. If it was a stay a year from now, I think it really depends on how much, how important that stay is or locking that reservation is,

because I know if I cancel that, I'm going to be stuck with points that I paid 0.45 cents for and there's going to be a lot of situations where I'm not going to get 0.45 cents and value out of them. So yeah, like you said, buying prospectively feels still not good at that point. So we'll see what happens in the future. All right. Get paid to visit Vancouver British Columbia. If you're interested in visiting Vancouver, they run a promotion periodically, and it's on again right now, where you can earn up to a $250 prepaid master card with a $2,000. night stay. You have to stay two nights between October 29th, 2026 and February 28th of 27. You can do it up to three times per guest. Now I say up to $250 Canadian dollars, that is,

in a prepaid master card, because it depends on which hotel you pick. It could be between 150 and $250 Canadian dollars. But if you're interested in going to Vancouver during that time period anyway, then it's worth taking a look at this because that can be a really good rebate. Yeah, I've never done this, but it's interesting. I've always wished they had it available in the summertime. What about you? Have you ever taken advantage of these deals? They seem to come every year.

Yeah, they do seem to come every year. And I've looked at it a couple of times before, but just Vancouver's all the way on the other side of the country from me. So it's not a really convenient place to just plan a spontaneous trip to. So we haven't taken advantage of one of these. This is actually the second time they've run it. it this year, though. They ran it back in like April, I think, of this year also. So it's the second time in 26. Usually it's about once a year that this comes around. And like Greg said, it's not usually during the summertime. But, uh, but nonetheless, you know, if, if I were planning a trip,

then I would take a look because $250 Canadian dollars can be a decent rebate on some of the included hotel properties, or at least in the past, it's always been that way. It's worth taking a look because it'll probably depend on your exact dates and where you're. want to stay and all the rest of that. But an interesting promotion, an interesting recurring promotion that's always worth keeping your eye out for. Next, we have MX Platinum Rumors. So there are new MX Platinum Rumors, Greg. Tell us, what are they? Okay, first up, hotel credits will require two or more nights in order to earn them. You know, currently, you can earn your hotel credits with your platinum card by, with a one night stay, as long as it's a fine hotels and resorts stay.

Part of this rumor is that all stays, it doesn't matter whether it's the hotel collection or fine hotels and resorts. All stays are going to require two or more nights. Another piece of this rumor is that there will be a new option for earning the credits, which will be Airbnb luxury stays. I'm not familiar with what, you know, that means exactly. I'm assuming that there'll be some way of booking select Airbnb properties through MX travel maybe. I don't know. We'll have to wait and see what that is. And another part of the rumor, there'll be a new $250 annual Airbnb Experiences Credit. Apparently, though, that's going to have to be in conjunction with an Airbnb luxury stay. So, you know, Airbnb, luxury,

stay. So, you know, Airbnb experiences are things like, you know, maybe a cooking class or whatever it is that is offered tours, things like that. And so that would be nice, I think, to get $250 back from something like that. But again, it's going to be tied, or apparently, if these rumors are true, it's going to be tied to having a stay with an Airbnb luxury property. So how do you feel about this? I mean, both pieces, the two pieces, the two night or more minimum, like the two-night minimum at FHR and the Airbnb luxury stays. I mean, do you feel good? Do you feel not good? What are your thoughts? You didn't really share your opinion on this apart from liking the credit on the stays. So what do you think, Greg? Yeah. I mean, the credits have been so easy to use for good value because we could use them one night at a time, especially for those of us who have multiple platinum cards in our household. And it's been really easy to just book. you know, one night with this card and one night with that card and, and I get $300 off of or back from each of those nights. And that's, of course, made it really easy to get great value.

So obviously, I'm unhappy with that change. I totally get it, though. The MX was probably losing a lot of money on that because people were doing it that way. And so it makes sense. as far as the Airbnb luxury stays, we'll have to wait and see what that is, but more options, that's good. I'm happy to see a new option appear, and that's true for the experiences credit as well. So those all, you know,

everything except for the two-night thing seems like positive. Yeah. But I'd say that two-night thing overwhelms the news on that part. You know, I think if you're excited about this Airbnb use of it, then the two-night minimum is probably not a big deal for you because probably you're staying more than two nights at most Airbnb's anyway, I would assume. And I imagine that there is a not insignificant contingent of people listening to this who do typically stay two nights or more when they're staying at an FHR property. I think it's probably, like I agree, obviously, of course,

that it's negative and I'll be unhappy with the two-night minimum. But I think that those of us who are using multiple platinum cards for one night at a time are likely in the minority of people of platinum card holders. So I look at it and I say I guess for most people, this won't necessarily seem bad. It'll probably in fact seem good for a lot of people because I know that Airbnb is pretty popular. Personally, like you said, I'm not excited about the two night minimum and I hate Airbnb. So I'm not I'm not I don't want I don't want to make breakfast. I don't want I don't want to clean up after breakfast. I'm not interested in an Airbnb for the most part. And the Airbnb experiences, I'm like, maybe, but who knows? I, like, I so rarely end up booking things like that

anyway that like, okay, maybe I would, I would force myself to use it. But yeah, I'm not, I'm not terribly. I think that if that's the case, I'll be very much reconsidering our platinum card collection. Yeah, interesting. Interesting. Yeah. Um, uh, uh, uh, I didn't, I don't know, I'll have to go back and look at my numbers, but I think that most of my platinum cards justify themselves without counting the stays credits. So, you know, at least a few of them would certainly be worth keeping. Whether I would keep as many as I have now, you know, that remains to be seen. I'm worried that the Airbnb luxury stays will be like ones that are outrageously expensive.

And so a $300 back from, you know, a $4,000 stay is not going to feel very meaningful if that's the case. Right. Right. No, totally agree. Even if they weren't luxury stays, I wouldn't be very interesting. It was just regular Airbnb. My excitement would be really limited here. So, yes, the fact that it's going to be luxury stays, yes, it tempers my enthusiasm even further.

But you said that your platinum cards mostly justify themselves without the stays credit. Well, hold your horses there, crap. Let's get to the next point in today's show. Lulu Lemon in-store gift cards might not be triggering Amex Platinum credits anymore. What's up with that? Yeah. Until recently, people have been able to take their platinum cards in store to a Lulu store and buy physical gift cards in store and earn the $75 quarterly credit by doing

that. Recently, though, we've had, we, doctor of credit has reported on reports that this doesn't seem to be working anymore. Now, reports are mixed, and it's common. Like, if that's all I knew, I'd say, oh, it happens all the time that Amex every now and then is really slow to reimburse things that they are going to reimburse eventually, right? Like just every now and then we suddenly get reports like, you know, this or that's no longer working because Amex, for whatever reason, now has started taking like two or three weeks to get those credits in. And then whatever happened that caused that delay gets resolved,

and then it goes back to the couple days that it used to be, right? But let me give you an example of one of the reports that is particularly convincing. This is a comment on the doctor of credit post on this topic from someone who called themselves D.N. They wrote, on October 10th, I purchased a $50 Lulu Lemon gift card plus $30.37 of accessories. Presumably this was in a Lulu Lemon store. I only got credited for the $30.87. sense. So that suggests that Amex can see

exactly what was purchased and reimbursed selectively based on that. On the other hand, there are a number of comments like this one from Jay Klein that says $100 physical gift card purchased in store on October 9th, credit posted today. And this was just a couple days later. So we're seeing these kind of contradictory comments, but I think that the likely reason is that probably not all Lulu Lemon stores have been, have the registers upgraded to provide the full detail of the sale to American Express yet.

That'll probably happen eventually. So if this is real, that'll probably happen eventually. Yeah, you know, man, the first report you shared, the person who bought a $50 gift card and accessories that only got part of that reimbursed. Like that really sounds like the nail on the coffin on this. It's possible that only the $50 gift cards have been, you know, excluded somehow. But, you know, that seems kind of unlikely. I think much more likely, you're right that there's an update to the register system that hasn't happened everywhere yet. And I'm really kicking myself on this one because when we came back from the Wild Card Challenge,

I flew into my home airport on October 2nd. And my wife wanted to stop and get Lulu Lemon gift cards. And I was like, you know what? We've got like all quarter. We don't need to do that today. And I haven't yet told her about this change. Yeah. I'm just going to quietly go to Lulu Lemon later today and try and buy a card and see what happens.

But it sounds like probably bad news here. Now, does that affect the way you look at the MX Platinum card? at all. Does that matter to you? Were you buying gift cards anyway? What do you think? For me personally, I had been buying gift cards before, but then they put a number of restrictions on on like what kind of gift cards you could buy and how you could, how many credit cards you could use to buy them with and things like that. And so then I just, I decided, I'll just use this credit as it's meant. And my wife and I have been buying socks and underwear and just various other things. And so our house is just going to be plastered with Lulu Lemon accessories.

And people we know, I guess, we'll be getting Lulu Lemon gifts. I was going to say, if you're on Greg's Christmas list, watch out for Lulu Lemon. I've never counted this, the Lulu Lemon credit, as like a criteria towards whether I keep or cancel these cards. I don't consider that at all. It's always been like an extra nice-to-have thing. So it doesn't change. my keeper cancel equation. But it is too bad. A gift card would be a much better way to go if I could. All right. So I got to look at this as though I'm a listener to the show rather than somebody who knows you well, I guess. And I'm going to say, okay, you just said that the hotel credit isn't a factor as to whether or not you'd keep the platinum card and the Lulu Lemon credits aren't a

factor as to whether you'd keep the platinum. What is it that helps you justify keeping a platinum card then? If neither of these two huge credits, because you're talking, what, 75 of course, a 350 on Lululemon and 600 on the FHR or hotel collection stays, those are non-factors for you? Like, how do you justify a platinum card? Yeah, great question. We'll see how much of this I can remember off the top of my head. But I have a real easy time or have had in the past real easy time getting the $200 in airline incidental fee credits.

I've had a really easy time using, and I continue to have a real easy time using the $400 in Rezi credits. So that's $600 right there. $200 in Uber credits. I value. I also value a little bit the Uber One credit. I value for at least one card, the clear credits. Oh, gosh, what am I forgetting? There's just so many.

Oh, the digital entertainment thing. That's like $25 a month. Again, at least on one card, that's just $300 right there for me because I just put it against my YouTube TV thing, which I was paying for anyway. So there's... But Greg, I've been looking. listening to this show for years and you've been telling me for years I shouldn't value any of those

things at full face value. Yeah. Yeah, you shouldn't. And I don't. You know, so I add up all these things at the value that I'm willing to, you know, how much would I pay to get $100 back on, you know, restaurants every quarter? And, you know, I come up with a number. Oh, I'd, I go to them often enough. Maybe I'd pay $75 per quarter or something like that. And that's how I, that's how I, that's how I do it all and it adds up to more than the annual fees. So I say, yeah, it's a keeper. I was trying to tee up a plug for the which premium cards are keepers sheet. But I didn't tee it up well enough. We have a resource page for that that Greg maintains. There's a spreadsheet where you can put in your own personal valuations of all the various

benefits and it does the math for you. And there's a whole bunch of tabs for all the different cards you have. So you can value all of the different types of credits you have. So that's definitely a resource worth taking a look at, because if you're wondering, well, how could somebody possibly still get enough value out of this? Well, go through and do your own value and see it. Maybe you'll find that that's a keeper for you or not a keeper, along with lots of other cards. So there you go. There you have that. All right. Let's talk about personal points. So in personal points this week, speaking of which cards are keepers, I have downgraded several household cards recently. So there's a few different ones that I've downgraded. I wrote a post about it this week.

First of off, we have several business platinum cards in my household because for a while, Amix just continue to offer, you know, expand your membership and get another business platinum card. And the math was working out for me pretty well for a while. But now it's, now that the annual fee is increased, it's more of an edge case for me. And in fact, I just don't have enough of a need for the business platinum cards. So we've been in the process of downgrading. several of those business platinum cards to business green cards. Now, the reason I'm downgrading instead of canceling is not going to apply to most people listening to the show. For most people, probably you would cancel your business platinum if you don't want to keep it. I downgraded

to the business green in order to preserve those accounts because I get occasional opportunities to use my referral links. And by keeping that account open, then I could always re-upgrade in the future if I want in order to be able to use like a better referral bonus, whether I want to refer my wife or somebody else or whatever the case may be. So I wanted to keep those accounts open for that purpose. So I downgraded. And with MX, when you downgrade, you get a pro rated refund of the annual fee from the card that you downgraded from and you pay a pro rated annual fee for the card you downgraded too. So I've mentioned that because I made the kind of mistake in thinking about it because I know that with Amex, if you cancel a card within 30 days of the day that the annual fee is posted,

then they'll waive the annual fee usually. I mean, certainly ask when you go to cancel. Don't just take my word for it. But historically, that's been the case. So I had in mind that I had 30 days from the day that the annual fee posted to take some action here, not thinking about the fact that when you downgrade, they prorate everything. So I ended up, I waited until the 30-day mark. And so I paid 30 days of the business platinum cards annual fee.

and got refunded for 11 out of 12 months, I guess you could say, and then paid the 11 out of 12 months fee for the business screen. But the short story is that it costs me more to keep that card for an extra month. I should have been ready to downgrade right away when the annual fee hit. I wish I had done that sooner. Yeah, yeah. You know, you said something like most people are going to want to just cancel, which is probably true, except that,

If you want to cancel successfully, you're going to have to do it right before the annual fee posts or within 30 days. Otherwise, like, if you've paid your annual fee and cancel 31 days from when it was posted, you're not going to get any of it back. So, so, you know, I'd say most people may be better off downgrading to the green card just because, you know, most people, you know, most people will, might not be disciplined enough to cancel exactly when the annual fee comes. Good point. But I don't know. Yeah, no, that's a great point. If you're with, yeah, yeah, if you're beyond the 30 days and you decide you want to change

something, absolutely, you want to downgrade with Amex and not cancel. That's an important point. I'm glad you made that point because I think that's super relevant for a lot of people. So yeah, so there you have that. The business screen itself, I'm not excited about. There's no reason I want the business screen except to keep that account. So, and if, if you were out of the 30 days, that's another good reason. to do that. But I was out of the 30 days with a couple of other cards and I looked it up and found

that I could still downgrade beyond the 30 days and get refunds potentially, so or pro-rated ones. So we downgraded my wife's city strata elite card. I did that 37 days after the annual fee posted and got a pro-rated refund of the most of the annual fee on that card. So I was glad that that worked. The chat agent told me that you have 60 days to downgrade and get the refund back. I don't know that I believe that, especially because they made it sound like it would be refunded in full. And in truth, it was prorated. So I don't know if you have really that long, but 37 days worked anyway. So I figured it was worth sharing that much that I did get beyond that point.

We downgraded that one. Now, initially the chat rep said the only option was the mile up card, the American Airlines Advantage mile up card. And we definitely didn't want to downgrade my wife Strata Elite to the mile up card, not because of the mile up card itself necessarily, but because if you, change from a city thank you product to a card that earns some other type of currency like American Airlines miles, then the points you still have from, in this case, the strata elite, would expire after I think it's 60 days, right? So 60 or 90, I can't remember exactly. Something like that. I can't remember. Yeah, they expire. And so we didn't want that. We wanted to

product change to another thank you card. And initially they said there were no other, no annual fee options, only the mile up. But she pushed and said, well, what else have you got? What, what, about with an annual fee. What are my other product change options? And then suddenly there was a no annual fee thank you card that was available. The AT&T points plus card, which is what many other people have also been offered. So if you're looking to downgrade a strata elite card, it seems that most people are limited to either the mile up card or the AT&T points plus card. AT&T points plus earns thank you points. So that keeps the thank you points intact. They're not going to expire. They're still pooled with the strata elite. So they're still transferable. So that's all good news. The points plus card,

has 3x on gas and then it has a couple of 2x categories grocery and I think dining. The other thing that makes that card somewhat interesting is it gives you $20 cash back for every one, or not for every month in which you spend, every billing cycle I suppose probably, in which you spend $1,000 or more. So if you spend exactly $1,000 over the course of the month, that's an extra 2% back on top of whatever the card earns. It's not necessarily bad. You know, if you're earning three points per dollar at the gas station and you get the extra 2% back, I mean, that's, I think it's a pretty good deal for a lot of people probably. So you do have to kind of track that you're spending the 1,000. I'm not wildly excited about the points plus card. Don't get me wrong. But we were happy to downgrade to that for now. Maybe we'll product change that to something more useful in the future if there become options for transfer or for product changing the points plus to something better. And then finally, my wife downgraded her Sapphire Reserve to a Chase Freedom Flex.

card. She has the OG Freedom card. OG like the original Freedom card. The visa version of that card. The Freedom Flex is a master card. So she downgraded to the Freedom Flex just to have both of them. But she downgraded because we didn't need to keep two Sapphire reserves in the household. I have a Sapphire reserve now. So there was no reason to pay the $7.95 again for a second account. The coupons don't add up to enough for us for that. And of note there, that was also $30.7.5. days after the annual fee posted, we downgraded that card and got the full $7.95 back in that case, not a pro-rated refund, but the full $7.95 came back, even though that downgrade again was 37 days after the annual fee posted, which I think might be the limit with Chase, but I'm not actually

positive about that. So I figured I would share that because it's probably worth knowing that if you're on day 31 or 32 or something like that, you can probably still get a refund of the annual fee. All right. So along the same lines, as Nick, where he's been trimming his credit card collection a bit, not really reducing the number of cards, but certainly reducing annual fees. I already talked earlier in the show about how I've been working on reducing my random bank accounts. But I've also, I don't know if I've talked about this on the show, but I've been doing the downgrade, the business platinum's and business gold cards for a while now. So I had already downgraded all of my business platyms, except for one, I guess, in our household. And the couple business goals that we had have been downgraded.

The reason for downgrades, in my case, are both the things Nick already mentioned, as well as the hope that maybe I would get targeted for an upgrade offer. and that's a nice way of just getting, you know, more points. But certainly the things Nick already mentioned were in play as well. I think there were, yeah, there were definitely a couple of the business cards that I canceled because I was, you know, right at the annual fee hit. And I just, I had way more accounts than I needed to hope for upgrades and so on. So I feel good about what I had already done a while back.

and I felt pretty accomplished in cutting down all those things, but then we got targeted for one of those, like get a business gold card and get this many. Extend your membership. So it's one of those, like, it's actually targeted to you for, even though you already have had the card, you could get another one. And so I felt for that,

and I've got a bunch of spend to make on that card. So my cutting down hasn't been all that successful on the MX front. But on the city front, I've been very successful because City did it for me and just got rid of all of my cards. And that I'm going to try not to copy that one. You know, as much as it's like painful in different ways, it was actually nice to, you know, go through like my list of credit cards and trim that back as much as it. it was. I mean, it certainly simplifies things. I have a binder of all the, all of my open credit cards. And to be able to like, it was like bulging at the seams and by taking all the city cards out of it and moving it to my dead card binder, which I keep for, I don't know why. It,

it did feel satisfying, actually. Well, very good. Binders full of cards. You heard it here. Greg, the frequent miler. All right. So, So I think both of us are in the same mode there. But next up, we're going to get to today's main event. We'll be right back after this. We hope you're enjoying the Frequent Miler on the air podcast. Did you know that Frequent Miler is also a website? At frequentmiler.com, you'll find all the latest deals,

news about points, miles, and rewarding credit cards, the single best best credit cards page on the web, guides to all popular rewards programs and many other terrific resources. If you'd like to get our post sent to your email, go to frequentmiler.com forward slash subscribe and sign up for free. And we're back with today's main event. Hyatt and Air Canada's partnership reaches next level. Back in July, we heard about Hyatt and Air Canada kind of hitching up. And there were a number of things about the partnership revealed at that time, but there was also

So some mention of more to come and they've finally gotten to it. They've reached the next level. They've reached second base in their relationship. And now we're going to talk through what's new. But first, let's go over what we already know. So let's have a refresher. What happened with the initial partnership? Yeah, so initially what we knew is that Hyatt members could redeem 50,000 Hyatt points for 30,000, for a 30K

Aero Plan award. And so, you know, that I guess maybe could be a good value depending on how you're going to use it. Not wildly exciting, probably, but potentially okay. And you can convert Hyatt points two to one to Aero Plan. Again, probably not wildly exciting in most cases, but potentially useful in some. You could earn aeroplane points instead of Hyatt points on paid stays, but then you'd only earn 500 Arrowplan points per stay, which is not more than the number of Hyatt points that you would earn on the same stay in most cases. And you get a $20, and Canadian dollars, 20 Canadian dollars Air Canada flight credit annually. So, you know, nothing wild there. On the other hand, in the other direction, Air Canada Aeroplan members could do an Aeroplan elite status challenge to Hyatt, so you could get Discoverist, Explorist, or Globalist with a reduced number of nights within 90 days. We've seen, or I'm sorry, was it within 90 days? I guess I'm not positive. Usually that's what these are. I think it's the same terms as what we've seen with other Hyatt fast tracks in the past where globalists you get after 20 nights and 90 days is the way those typically work. And Discoverist and Explorists had different numbers of nights required.

And you could redeem arrow plan points for Hyatt certificates, 25,000 arrow plan points for category one to four Hyatt Free Night certificate, which in most cases is not going to be a good deal. Or 75,000 arrow plan points for category one to seven, Hyatt Free Night Strictic, again, not something I would ever consider in a millionaires. Or you can convert arrow plan points two to one to Hyatt. Now, initially we talked about that not being particularly appealing, though a Canadian friend or two mentioned that that could be appealing for some Canadians because they have lots of ways to earn lots and lots of aeroplane points, but not so many ways to earn

Hyatt points. So potentially for some of our northern neighbors, that would have a little bit more appeal. And the Canadian aeroplane cardholders could earn Hyatt and aeroplane points on Hyatt stays. And then there were a few benefits for Canadian premium aeroplane cardholders, discover his status and five elite night credits each calendar year, et cetera, and a couple of status challenges. So all of that initially was like, okay yeah it was like okay especially from the u.s point of view um the one thing that i think was particularly interesting and remains particularly interesting is the fact that um you know if you're interested in the hyatt like status challenge so you want like a shortcut to highate status

all you need is any level of aeroplane elite status in order to do that status challenge once per year. And so that that has applicability to anyone, especially Marriott Titanium members who get Aero Plan 25K status for free. And so Marriott titanium can be your step into high-level Hyatt status, ironically, through that indirect pass. So that's exciting for people who who want that Hyatt challenge. The rest of the stuff is almost all mostly applicable to Canadian residents who can get their credit cards. There's various benefits by having different credit cards, different aeroplane credit cards. Okay, so I'm going to dive in now to what's new.

What have we learned now? Now we finally have news about the status challenge in the other way. So Hyatt elites now have the ability to challenge to aeroplane status. This is something that we knew was coming, but we didn't have any details about it. And it was one that I was particularly interested in because what little we knew about it at the outset was that it could be done once per year. All you needed was Hyatt Explorers or global status to do it. And I thought, this is great. Anytime I need aeroplane status, which is going to be less than, you know, at most once a year, because of how little I fly air Canada, I could just do this challenge and have status for 90 days.

Well, that's what I thought. No. There's nothing in the terms of the status challenge that gives you any kind of temporary status. So what you do is you start the challenge and you have 90 days to earn. enough status points to get to a level of aeroplane status that you then keep for quite a while, the trick is you want to register early in a calendar year. Why? Because if you complete the challenge, your status is valid until January 31st of the second calendar year following the one which you registered. So if you register right now late 2026 and you complete the challenge,

and it doesn't matter, even if you complete the challenge in January, it depends when you registered. Your status is only going to be good through the end of January of 2028. So really just a little over one year. But if you register January 1st and you complete the challenge, your status will be good for a whole another year beyond that. Okay, that's a good news. Now I'm going to get to some more bad news about this challenge. So whatever level of status you're going for requires earning a certain number of status qualifying credits, SQCs. But not all SQCs count. So there's all kinds of ways to earn SQCs with with Air Canada, but the only things that count for this challenge are flights that you actually purchase, that you fly during the challenge

that are ticketed by Air Canada. So if you, yeah, if you, if you buy your airfare through a partner, it's not going to count. Actually, I think there is one situation. If you buy it through a partner, but fly Air Canada, then that Air Canada segment will give you some SQC. But mostly it's just you have to ticket your flights through Air Canada to get anything. And the other main way is Air Canada vacation packages. That's it. So spending on credit cards isn't going to help. You know, any kind of other miscellaneous, like,

is earned for other things aren't going to do it. All right. Somebody at Air Canada's job is to think, like Greg, the Frequent Mile I think, and they decided that, you know what? We're not going to let anybody get this for free. You're going to have to spend a bunch of money to get it. Yeah, it's, it's, I found it like the details really discouraging. All right, so if you have Hyatt Explorists, the most you could challenge to is

Aeroplane 25K status, which is their lowest level of status. And that requires a whopping 8,000 SQCs earned in 90 days. I'm going to talk in a minute about how you earn those SQCs, but if you think about them as like getting an SQC per dollar spent kind of thing, that's $8,000. Now, it's Canadian dollars. Now, that's still a lot. So, yeah.

For 25K status that you could get with Marriott titanium, you know, like that's right. When I look at it and I say, okay, well, you take that, if you had a Marriott business and a consumer card, that's 30 nights towards titanium status each year so you'd need to stay 45 nights potentially at a Marriott, not including earning nights from spend. So if you could book 45 nights at a Marriott for less than 177 Canadian dollars a night, you could earn titanium status and get yourself, uh, Mara, or Air Plan 25K, like spending $8,000 to get this. It's like, you know, if you're already spending 8,000 on Air Canada flights anyway, whatever. And there's so many, there's so many, um, ways to get, to get, um, Bon,

elite nights, including at 50 nights, you could get five more elite nights towards your 75. So anyway. And that's a bad example because you could just get the airplane credit card now in the United States to get 25K status, right? Right. Yeah, yeah. If that's what you want, do that. Wow. Yeah.

Yeah. You know, and if you have high globalists, you can do a challenge all the way up to 75K status. But that requires 25,000 SQ. C's in 90 days. In 90 days. Wow. What? Wow.

Yeah, yeah, this is like what. So, all right, let's talk a little bit about how to earn the SQCs because it's not just one per dollar, although it is with vacation packages. So let me cover that first. Vacation packages, you earn one SQ per Canadian dollar on Air Canada vacation packages, and that includes the total price, including taxes and everything. So if you buy a $10,000 package, that's 10,000 SQs apparently. So that's simple but, you know, expensive way to get status.

With flights, you actually get no SQs for basic economy, but you get two SQs per dollar for standard economy. So, all right, so the spend is on economy flights is really half the SQ number. Okay. So 4,000 for the first level or 12,500 for airplane 75K. And it's still a lot of money. It's still a lot of money for 90 days of travel. Yeah.

And if you, but if you buy economy flex or higher, like premium economy business class, you get four SQs per dollar. So again, that cuts that in half again, the amount needed. But wait, we're talking about Canadian dollars, though, right? Yes. So earning two SQCs per Canadian dollar at the current exchange rate, as we're recording this, is really earning 2.86 SQs per U.S. dollar. And four SQCs per Canadian dollars is like 5.7 SQs per U.S. dollar. So yeah, it's not as bad. Or take the vacation package thing where let's say you're going for that. first level of status that requires 8,000 SQCs, that's 8,000 Canadian dollars you need to spend.

That's only 5,600 US dollars. Only, only. Or just go get the airplane credit card and have your 25K. Yeah, get the card. Or get titanium status with Marriott, one or the other. One or the other. You'd even

do both, and that'd be fine, too. I still spend a lot less money, probably. But yeah, so it's hard to get excited about, although if we just make the math simple and we say it's three SQCs per U.S. dollar. It's a little less, but about that. Then you're talking about the top end, the Aeroplane 75K status requires around 8,000-ish, maybe nine, between eight and nine thousand U.S. dollars in three months on regular economy or like 4,000-ish on premium stuff. So, I mean, if you're going to buy a couple of premium,

ticket, a couple business class round trip tickets somewhere, he probably could do the Airplane 75K, I mean, without breaking a sweat, I guess. I mean, with some international round trips, you're going to be doing that one business class round trip, you're done. Yeah.

Yeah. So it might be appealing, and especially if you find a particularly good Air Canada, you know, round trip fair somewhere in business class, of course, if it's too good, you're not going to earn enough SQs. But if you find one and you're booking it through you know, some, I don't know, some way that you have an ability to book with points at an

enhanced value. I don't know. I could see a world in which maybe the aeroplane challenges could become interesting at those higher levels, higher than 25K. I don't think 25K is at all because the aeroplane card would be the easy path there. I mean, I'm over 524. I know some people listening to this probably won't qualify for a new chase card. So maybe the airplane card will be out for you, but there's probably a lot of people that that is an option. So I'd only really be looking at this personally at 35K or higher. And then, yeah, maybe booking a flight through built using your points at 1.25 cents per point or you find a good chase points boost on an air Canada flight. Maybe he could get interesting. Yeah, maybe. Maybe. All right. That's the best we can say.

Maybe. Okay. All right. There's a little bit more about their relationship to cover here before before we're done. There is a temporary promo where you can earn Hyatt and Air Canada points at once for Hyatt stays. Now, we mentioned earlier that Canadian aeroplane credit card holders can dual earn just as part of the relationship. But this is a separate thing that anyone who ties their Hyatt and Air Canada accounts together can, as long as you register for this promo by November 11th,

then on paid Hyatt stays, you can earn the usual number of Hyatt points as well as one and a half aeroplane points per dollar, per U.S. dollar. And this is only, though, for stays through February 14th of 2027. So make sure to make that Valentine's Day booking now. and make sure you're checking out, I think, on February 14. I'll be checking out. Yeah. Day before Valentine's Day.

Most Highot promotions work is you have to check out by the day on there. And keep in mind that if you are like, oh, well, we're going to take a trip for, that's actually President's Day weekend, I think. And I know at least in my state, schools are out the whole week for President's Week. And so if you look at that and you say, oh, well, we're going somewhere from February 13th until the 21st because the kids are off of school. Nope, that's not going to work. You got to check out on February 14th or sooner, usually with a Hyatt promotion.

You don't get credit even for that first night. Right, right, right. So Valentine's Day, sorry, honey, we've got to, we've got to check out today in order to earn a few aeroplane points. That's right. That's right. Yeah, and when you say a few air, I mean, one and a half air plan points per dollar, it's not nothing, but it's also not like wild and crazy.

It's also not something. Not much. You know, so our reasonable redemption value for aeroplane points is 1.4. So by getting 1.5 per dollar, that's like 2.1% back on Hyatt stays in addition to what you are already getting. Every 2% counts, Greg. It's not very much. It's not much.

Well, no, but we have seen Hyatt come up on Capital One shopping recently in Capital One offers for some people. There's been the ability to earn something back. So, I mean, you're going to stack a couple percent there, a couple percent here. Or if you were to book through Rove and book a loyalty eligible rate, I would assume that that would still earn the aeroplane points also. So, I mean, there are some opportunities where you'd just be stacking this with other stuff. So you might as well register before November. Oh, totally. Yeah. There's no reason not to. Right. Right. This episode was produced and edited by Carrie Yoder, music by Annie Yoder. If you've enjoyed what you've heard today and you'd like to get more of this in your email inbox each day or each week, go to frequentmiler.com slash subscribe to join our email list.

Follow us on all the various social media. Join our frequent miler insiders Facebook group. And wherever you're watching or listening, don't forget to like this or give it a thumbs up. If you have a question that you'd like to be considered for a future question of the week or a piece of feedback that you'd like to be considered for our giant mailbag, you can send that to mailbag at frequentmiler.com. Thank you.