Talking Points With Thrifty Traveler: February 23rd

Talking Points With Thrifty Traveler

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A few weeks ago, we introduced a new weekly segment in which we answer 3-4 reader questions for our new Talking Points series. The questions can be anything from credit card points & miles, travel recommendations, flight questions, or anything you want us to answer. Have a question for us? Email me at [email protected] to be featured in this new weekly segment.


What Are Your Thoughts On The Uber Credit Card  Zach H.

The Uber credit card launched in 2017 and it is certainly an intriguing no annual fee, cash back credit card. It also comes with a few interesting perks. The card is offering a $100 statement credit after spending $500 in the first three months of card membership. Further, it earns 4% cash back on dining, 3% cash back on hotels and airfare and 2% back for online purchases.

You can also earn a $50 dollar subscription credit for online services like Netflix after you spend $5,000 or more on the card in a year. My favorite benefit the card offers is up to $600 reimbursement for mobile phone damage or theft when you pay your phone bill with your Uber card. Further, the card waives foreign transaction fees.

All that being said, I value the 3X points I earn on my Chase Sapphire Reserve credit card higher than I would the 4% cash back on dining and 3% back on hotels and airfare. Because of this, I wouldn’t put any daily spending on the card. However, If a no annual fee cash back credit card is what you are after, this is certainly a product worth looking into.


Are You Able To Use Delta Gift Cards To Cover The Cost Of Taxes & Fees On An Award Ticket? – Tyler I.

I end up with Delta gift cards every year as this is how I typically spend my $200 airline credit offered from the American Express Platinum credit card. In order to get the reimbursement, you have to buy four $50 gift cards (not all airlines will work, but Delta does). This is a great use of the credit, but there are some restrictions to be aware of when using Delta gift cards.

  1. You are only able to apply up to three different gift cards to one purchase. That means I can only apply three of my four $50 gift cards to one booking at a time. If you have gift cards for larger amounts, this shouldn’t be an issue.
  2. Gift cards can not be used to cover the costs of award ticket taxes and fees. You must be purchasing a revenue ticket in order for a gift card to be applied.

For more information on Delta’s gift card terms and conditions, visit the following link.


Can You Explain The Rental Car Insurance Coverage Offered By The Chase Cards In More Detail? – Maggie W.  

A great benefit of both the Chase Sapphire Preferred and Chase Sapphire Reserve credit card is the primary rental car insurance that they both offer. Anything involving insurance can be a bit confusing, so I will try and break it down a bit further below.

There are two categories of coverage when it comes to rental cars: primary and secondary. A large majority of travel rewards credit cards in the market place offer secondary coverage on your rental if you pay with the card. Secondary coverage typically comes with a deductible and it only kicks in if you don’t have your own personal car insurance policy. It will likely not cover the entire loss of a vehicle either.

Because it only kicks in after your own insurance, you still need to file a claim with your insurance company if you have secondary coverage and you get in an accident. This will likely result in a higher premium for your existing policy.

Primary insurance, on the other hand, will cover all damage from collision or theft of most rental cars. If you waive the car rental company’s coverage when renting, these benefits will apply if your vehicle is damaged, lost or stolen and you paid with a card offering primary insurance. There will be a bit of paperwork to do, but Chase (or any card issuer who offers primary insurance from a credit card) will handle the claim and there will be no cost to the cardholder.

One thing to note is that both primary and secondary coverage only insure damage to the rental vehicle. Personal injury, personal liability and damage to other vehicles and/or personal property are not covered under either car rental benefit. Most rental agencies will build some sort of liability coverage into their rates, but this is something you may want to look into further with your personal insurance policy to see what kind of liability coverage you have.


I Need To Add An Infant In Arms Designation To My Ticket. How Do I Do This With An Online Travel Agency (OTA)? – Maggie W. 

Questions around traveling with children are increasingly interesting to me, as my wife and I welcomed our first child into the world back in November. Just last night, we took our first flight as a family of three en route to San Diego. Traveling with a small child is exhausting, but I learned a lot from the experience. I hope to be able to answer more of these types of questions in the future.

Regarding your infant in arms designation, just book the tickets through your OTA as you normally would. Once they are ticketed, you can call the airline to add the infant in arms designation to your ticket. Don’t worry about doing this through the OTA. There is no cost for an infant in arms designation for children under the age of 2 as they are not required to have their own seat.

One thing to note is that some airlines will require birth certificates prior to boarding, while others will not. This seems to vary airline to airline, so your best bet is to check with the airline before departure.

Also, if traveling internationally, there will likely be a charge for an infant in arms designation. Most carriers charge somewhere around 10% of the cost of an adult fare for an infant in arms ticket. Again, this will vary based on the airline, so you will want to make sure you understand this before booking.


Bottom Line

Have a question you want answered? Send them to [email protected] to be featured in our new weekly segment, Talking Points With Thrifty Traveler.


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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.


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