https://www.centsofadventure.me/blog-4-1 daily 0.75 2026-07-09 https://www.centsofadventure.me/blog-4-1/how-i-booked-a-481-santa-cruz-hotel-for-free-using-a-hyatt-free-night-certificate monthly 0.5 2026-07-09 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/85aa7a27-41ba-498b-9b18-0ed9895f7dc1/2fa1f34d-34a2-4355-9505-73eed0181e4e.png Blog - How I Booked a $481 Santa Cruz Hotel for Free Using a Hyatt Free Night Certificate Hotel: Hyatt Place Santa Cruz Nightly Rate: $434 before taxes and fees Total Cost: $481.29 (after taxes/fees) https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/bde4fe64-500d-4bc1-821f-445a23868b67/Santa+Cruz+Night+Redemption.jpg Blog - How I Booked a $481 Santa Cruz Hotel for Free Using a Hyatt Free Night Certificate https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/490fb466-5ded-4cbc-9d60-adaa3e1a83c6/Hyatt+Santa+Cruz.jpg Blog - How I Booked a $481 Santa Cruz Hotel for Free Using a Hyatt Free Night Certificate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/i-spent-10-years-chasing-moneyheres-what-it-taught-me-fkrj4-59kan monthly 0.5 2026-03-22 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/667ab299-38a5-48b8-be2a-b790c9516172/PXL_20251003_152132940.TS-000%7E2.jpg Blog - I Spent 10 Years Chasing Money—Here's What It Taught Me - Tony Battista and myself during a Tastylive showing in Los Angeles 2025 https://www.centsofadventure.me/blog-4-1/how-to-use-hyatt-points-for-a-dream-trip-to-hawaii-with-over-1000-in-value-on-new-years-eve monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/0fa4484a-956a-4964-a870-4b6725fa9a5d/hyatt-regency-maui-points-peak-season.jpg Blog - Best Hyatt Redemptions in Hawaii: Book $1,000+ Maui Hotels with Points During Peak Season - Make it stand out Photo via Hyatt https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/921422b7-8d44-40e5-9af2-aec206d42bc5/Hawaii+Redemption.png Blog - Best Hyatt Redemptions in Hawaii: Book $1,000+ Maui Hotels with Points During Peak Season - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/fd774dc2-fb25-494b-8a52-e9b6330982f0/b2837041-05b2-42ed-98a6-50a860577842.jpg Blog - Best Hyatt Redemptions in Hawaii: Book $1,000+ Maui Hotels with Points During Peak Season - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/why-chase-ultimate-rewards-are-my-favorite-points monthly 0.5 2025-05-16 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/85aa7a27-41ba-498b-9b18-0ed9895f7dc1/2fa1f34d-34a2-4355-9505-73eed0181e4e.png Blog - Why Chase Ultimate Rewards Are My Favorite Points - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/bde4fe64-500d-4bc1-821f-445a23868b67/Santa+Cruz+Night+Redemption.jpg Blog - Why Chase Ultimate Rewards Are My Favorite Points - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/blog-post-title-two-7b3ag-9ybhb-gt5r2 monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/1747272644513-QECR6LWA296GSE5YGONA/unsplash-image-dwBZLRPhHjc.jpg Blog - Why I Still Keep the American Express Platinum — My Personal Spin on the Perks - Make it stand out Photo via Kaip https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/ba5882b5-dcc0-4b34-a35b-623a4ed55956/d407f95f-0bfc-4423-8dd0-5ce1372fa580.png Blog - Why I Still Keep the American Express Platinum — My Personal Spin on the Perks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/27a37657-65e3-45c5-a41d-4278fa24db5b/Amex+Redemptions.jpg Blog - Why I Still Keep the American Express Platinum — My Personal Spin on the Perks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/4c727e8d-9c8c-4f91-abae-d6e830f36db9/Dell+Amex+Offer.jpg Blog - Why I Still Keep the American Express Platinum — My Personal Spin on the Perks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/why-hyatt-is-my-favorite-hotel-program monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/b57fc97e-5712-4efd-b252-07c4e59c6b4c/Hyatt+Santa+Cruz.jpg Blog - Why Hyatt Is My Favorite Hotel Program - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/why-i-keep-my-ihg-card-even-when-i-rarely-stay-at-ihg monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/85b7be1e-d442-4e51-9803-fd5b13f6e64a/rowan-hotel-entrance-palm-springs-106d044a.jpg Blog - Why I Think the IHG Premier is a Keeper Card - Make it stand out Photo via IHG https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/187e0675-745f-495c-9507-b61ba5b87ef2/af61591f-14cb-4ac9-b1f9-fb76ad4d51c4.png Blog - Why I Think the IHG Premier is a Keeper Card - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.centsofadventure.me/blog-4-1/mycreditcardladder monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/c2c4b252-8e67-41eb-ba95-2a82c742db52/sapphire_preferred_card.png Blog - My Credit Card Ladder: How I Built a System That Actually Works - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/4698a0aa-27b5-4c55-8c22-5f924e5141c9/world_of_hyatt_card.png Blog - My Credit Card Ladder: How I Built a System That Actually Works World of Hyatt® Credit Card Annual Fee: $95 Why I Use It: - Annual free night certificate (Category 1–4)—I’ve used mine for rooms worth $480+ - Earns bonus points on dining, flights, and gym memberships - Helps me qualify for elite status - 5 nights toward elite status each year https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/2949c4a6-a78d-4955-acb2-d18cbab19ba2/IHG+Card.png Blog - My Credit Card Ladder: How I Built a System That Actually Works IHG Rewards Premier® Card Annual Fee: $99 Why I Use It: - Annual free night certificate (up to 40,000 points) - Fourth night free when booking with points - Platinum Elite status - Global Entry/TSA PreCheck credit https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/4ea70dcf-a781-443d-a75e-3c29aef8fe72/freedom_unlimited_card_alt.png Blog - My Credit Card Ladder: How I Built a System That Actually Works - Chase Freedom Unlimited® Annual Fee: $0 Why I Use It: 3% back on dining and drugstores 5% back on travel booked through Chase Ultimate Rewards 1.5% back on everything else — a great catch-all when no bonus category applies This card stays in my wallet because the 1.5% back on non-bonus spend gives me a better baseline than the standard 1% most cards offer. Plus, because it earns Ultimate Rewards points, I can pair it with my Chase Sapphire Preferred or Ink cards to unlock travel transfers—especially to Hyatt, where my points stretch further. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/0ead3f1c-95c0-4a0b-8de5-9c49678234b1/Citi+Custom+Cash.png Blog - My Credit Card Ladder: How I Built a System That Actually Works - Citi Custom Cash® Annual Fee: $0 Why I Use It: Earns 5% back on your top eligible spending category (up to $500/month) I let it autopilot my biggest expense each month Works well for gas, drugstores, or any random spend that shifts month to month It’s a low-effort, high-reward card that quietly fills in gaps without needing constant management. https://www.centsofadventure.me/blog-4-1/how-i-use-credit-cards-to-travel-more-and-spend-less monthly 0.5 2026-01-19 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/ae03b670-252a-43e3-a2fd-de4cfa92c253/PXL_20230813_021155347.MP%7E2.jpg Blog - How I Use Credit Cards to Travel More and Spend Less When people hear I use points to book trips, they usually assume it’s expensive, complicated, or only for people with unlimited income. But here’s the truth: I’m traveling more, spending less, and staying in great hotels—without going into debt or blowing my budget. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/68693dc3-27c2-4b81-8bcb-c6b443803781/freedom-flex-credit-card-v2.png Blog - How I Use Credit Cards to Travel More and Spend Less Rotating 5% Categories (up to $1,500 per quarter) Earn 5% (or 5x points) on changing categories each quarter—like Amazon, gas, groceries, or PayPal. 1% on all other purchases Effective Value: When paired with a Chase Sapphire Preferred/World of Hyatt card, those 5x points can be worth ~2 cents each → 10% effective return. https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/30fe7378-484e-42ac-be61-8200bd000824/Bank+of+America+Cash.png Blog - How I Use Credit Cards to Travel More and Spend Less 3% in your chosen category (e.g., online shopping, gas, dining, etc.) 2% at grocery stores and wholesale clubs 1% on everything else Preferred Rewards Boost: Up to 75% more cash back if you qualify Ex: 3% online→ 3.75%, 4.5% → up to 5.25% https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/0ead3f1c-95c0-4a0b-8de5-9c49678234b1/Citi+Custom+Cash.png Blog - How I Use Credit Cards to Travel More and Spend Less 5% back on your top spending category each billing cycle (up to $500/month) with the Citi Custom Cash card 1% on all other purchases Eligible 5% categories: gas, groceries, restaurants, streaming, drugstores, home improvement, and more https://www.centsofadventure.me/blog-4-1/rakuten-cashback-stacking-guide monthly 0.5 2025-05-16 https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/fcd3c3fe-8a50-4989-bebf-008a9cd84cfd/66f016e5-2680-4a4c-9968-1f4f8b466605.png Blog - How I Stack Cashback and Credit Card Points Using Rakuten https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/a042fc01-a460-4865-81a1-c0ebc89bc2ed/16987158-6e39-44de-9cc1-c26dfeb0f718.png Blog - How I Stack Cashback and Credit Card Points Using Rakuten https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/ba5882b5-dcc0-4b34-a35b-623a4ed55956/d407f95f-0bfc-4423-8dd0-5ce1372fa580.png Blog - How I Stack Cashback and Credit Card Points Using Rakuten https://www.centsofadventure.me/blog-4-1/category/Credit+Card+Reviews monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Zion monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Cashback+Tips monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Points+%26+Miles monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/IHG monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Free+Night+Certificate monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Credit+Card+Tips monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Keeper+Cards monthly 0.5 https://www.centsofadventure.me/blog-4-1/category/Hotel+Credit+Cards monthly 0.5 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National Park https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/ee53d69e-5d87-4473-96a0-412c354ac61e/PXL_20231017_141122617%7E3.jpg National Parks - Bryce Canyon National Park https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/2b4a8aca-4a49-4aaf-939b-b3d407cc6022/PXL_20231017_141223671%7E3.jpg National Parks - Bryce Canyon National Park https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/b15980e1-ce34-4c69-93b9-1f1e863eeccd/PXL_20231017_015934978.NIGHT%7E2.jpg National Parks - Bryce Canyon National Park https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/e3cc6905-89d4-4ded-b3a0-7e70dbf5f2ab/PXL_20231017_020449016.NIGHT%7E2.jpg National Parks - Bryce Canyon National Park https://images.squarespace-cdn.com/content/v1/6817d8551565c5533643bea3/50e4a72e-f3a0-4315-9df6-69fac40f1b3c/PXL_20231017_122327204.NIGHT%7E2+%281%29.jpg National Parks - Bryce Canyon National Park 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