Talking Points with Thrifty Traveler: March 16th

Talking Points With Thrifty Traveler

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Our weekly series, Talking Points with Thrifty Traveler, is designed to help readers answer any questions they might have for the Thrifty Traveler team. The questions can be anything from credit card points & miles, travel recommendations, flight questions, or anything you want us to answer. Have a question? Email me at [email protected] to be featured in our Friday Talking Points segment.


Do You Have Any Tips For Reducing the Cost of All-Inclusive Resorts? – Aaron P. 

Some of our favorite all-inclusive resorts are the Hyatt Ziva and Zillara properties located in both Mexico and Jamaica. Hyatt purchased these hotels from Dreams Resorts back in 2014 and has put a lot of money into them. The reason we are such big fans of the properties is they are some of the only all-inclusive resorts you can book with points.

You can book a room at these properties for around 20,000 to 25,000 Hyatt points a night. This is a great way to use the sign up bonus from the Hyatt Credit Card. Hyatt points can also be attained by transferring at a 1:1 ratio from Chase Ultimate Rewards. Using the points you earn from cards like the Chase Sapphire Preferred or Chase Sapphire Reserve is a fantastic option to lower your costs at all-inclusive resorts.

Another solid option for this is using the free anniversary night that the IHG Credit Card provides. While they are not as nice as the Hyatt properties mentioned above, IHG does have a number of all-inclusive resorts in their portfolio that you can use the free night on, such as the Holiday Inn Resort Ixtapa, Mexico All-Inclusive.


I Had the Delta Gold SkyMiles Credit Card a Few Years Ago But Didn’t Receive the Sign Up Bonus. Am I Eligible to Receive It Now if I Open the Card Again? – Dylan S. 

Right now is a great time to take advantage of the increased offers on both the Gold and Platinum versions of the Delta SkyMiles American Express cards. However, American Express has a few rules that you need to be aware of before you decide to apply for any of their credit cards. I will outline the rules below:

  1. American Express allows you to earn the welcome bonus offer on all of their card products once per lifetime. This means that if you have already earned the bonus for a particular credit card product in the past, you will not be able to earn it again. There are a number of data points out there that suggest American Express’s definition of lifetime is 7 years after the closure of your card account. It seems that after 7 years, they lose any record of you having the card in the past and thus you can earn the sign-up bonus again.
  2. Per Dylan’s question, the terms and conditions on Amex credit card applications state that the “welcome bonus offer is not available to applicants who have or have had this product.” What this means is that even though he has had the credit card in the past and didn’t earn the sign-up bonus, he wouldn’t be able to earn it should he open the card again (unless he waits 7 years from the closure of his first card as described in the first rule).


If I Have an American Airlines Credit Card but Paid for My Upcoming Trip with a Different Credit Card, Am I Still Able to Get a Free Checked Bag On My Flight? – Bree S. 

When you hold a co-branded credit card like the American AAdvantage Platinum Select card Bree mentions above, you will always get a free checked bag regardless of whether or not you paid for the flight with that credit card. The credit card is tied to your airline loyalty account which will automatically give you the free checked bag benefit on any of your reservations (as long as the reservation is associated with your loyalty account). The same holds true for all co-branded airline credit cards. You do not need to purchase the flight with the card to receive the benefit.


Bottom Line

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


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2 Responses

  1. Brad says:

    What about if I already have the AMEX Delta Platinum card? Can I get the bonus if I sign up for the Gold version?

    • Yes you can earn each bonus on each card type. So there are 7 Delta co-branded personal and business Amex cards and you can earn the bonus on each of them, once per lifetime. You typically can hold 4-5 amex credit cards at once.

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