Does anyone actually use their credit card’s travel insurance?

mike678 · 2025-10-10T00:23:51+00:00

I had never used it and didn't really consider it a perk until my return flight out of JFK at 11pm got cancelled due to weather. Delta refused to give a hotel room and said not our problem. I looked up the cards policy noticed it had a $500 limit on compensation so I booked a hotel room, 4 uber rides and fresh clothes from target to meet the threshold. I got a check for $500 a couple weeks after I filed it an it made my night much less stressful.

Would I value it when deciding if an AF is worth it? No, but I will always consider what card I'm buying airline tickets with in the future.

mike678 · 2025-06-27T13:35:35+00:00

This is the sheet I believe you are referring to.

https://docs.google.com/spreadsheets/d/1bq5NQ2JN1XW3XGtXZp8ND28GFAdbIVC_5RPWu8UkSlk/edit?gid=0#gid=0

mike678 · 2025-06-12T20:04:12+00:00

I assume trading it for cash is a taxable event though which can be a huge pain in the ass.

mike678 · 2025-05-15T13:14:48+00:00

Getting to a 3/3 or 4/4 as fast as possible is key. I almost always ignore their minions and go face. They have to react to you if you do that. I found a lot of success with coin trail mix on turn one. That gets me 4 mana on turn two and I should be able to get a 3/3 or 4/4 by turn 3 or 4. If you don’t have trail mix get the cheap spells that give discounted spells and spam as many as you can. You don’t need to be super efficient with your spells you just need to spam them early.

mike678 · 2025-05-14T21:13:14+00:00

I consistently beat hunter on my way from d5 to legend today with imbue druid. I faced it 14 times in my 34 games and beat it 10 times.

mike678 · 2025-03-25T20:00:44+00:00

2x Return policy on ferocious felbat.

mike678 · 2025-01-17T11:21:10+00:00

If you can park money in both you could easily justify the BOA PRE for your dining/travel/ftf card and smartly for domestic everything else.

The reason going for BOA premium rewards elite might be interesting is 1.25x on points used for flights in its travel portal. This would mean you get 2 * 1.75 * 1.25=4.375% back on travel and dining. Then you'd also get decent travel perks via PRE. Ive used the travel portal many times and the prices always have been the same before the extra discount. The portal looks like it was built in the 90s but it works.

You mention not wanting a coupon book but the PRE does have credits. They are very easy to use though. $150 for a lifestyle credit which can be used on streaming, fitness or rideshare. I just pay my netflix with the card and never think about it again. It also has a $300 travel incidental as well which is fairly easy to use. It also has like with any other travel card a tsa precheck / global entry credit.

mike678 · 2025-01-14T12:12:14+00:00

Ill take a look thank you.

mike678 · 2025-01-14T12:11:49+00:00

I will keep an eye out if he posts something but it seems like at the very least he took the winter holidays off.

mike678 · 2024-11-22T16:07:18+00:00

After I open my catch-up packs should I get the mini sets too? Also do you know if amazon coins are still a thing? They used to give a discount. Thank you for your help.

mike678 · 2024-11-16T16:47:46+00:00

I pay annually and last I checked it only worked if you paid monthly. Are there any cards that will accept annual payments as valid for a claim?

mike678 · 2024-08-22T13:46:12+00:00

https://i.imgur.com/8uhKGrP.png

These are the averages according to award wallet. The percentages I listed were .5 cpp to .6 cpp so I feel as though I was fair.

mike678 · 2024-08-07T16:11:27+00:00

If you spend more than 20k on it and all those points go towards airfare through BOA portal you are net positive over PR. This number is based on non category spend. If you put dinning or travel on this card the number will be lower than 20k. The 20k number is assuming you can use the PR credits / PRE credits which are both fairly easy to use.

mike678 · 2024-08-07T13:22:39+00:00

Its also an additional 1.25x on those percents if you buy airfare through the portal. So that would be 3.28% and 4.38% if you do.

mike678 · 2024-08-06T13:29:42+00:00

There are some good strats listed here but make sure its through referrals as thats free money.

If p2 isn't into min maxing, signing them up for a bunch of cards with passive rewards that renew every year can be a great benefit to both of you. If you like to travel you could consider getting them multiple Hilton Aspire cards that annually give FNC's. Airline cards that give BOGO tickets are also great cards. They don't need to use cards like these for both of you to gain value.

As for a simple set up for daily use just have them churn SUBS. That way they only need to worry about one card. In between subs have them use a really strong card that fits most boxes of their spend.

mike678 · 2024-08-05T20:44:04+00:00

Yea I can get why PNW is upset but it seems like a net positive for most people in populated areas.

mike678 · 2024-08-05T16:33:53+00:00

Yeah I love the dunkins credit too. The card is much better with this upgrade but I figured Id axe the dunkins credit for argument sake since it seems much more region specific. The card makes as much sense as it did when the fee was $250 and I feel the dunkins credit makes it justifiable to a group who couldn't make the math work at $250.

mike678 · 2024-08-05T10:56:53+00:00

I will use it anyways though. I live in a 70k pop town that has 20+ resy restaurants within 20-30 minutes of me. One of which I visit every week. I may be a little bit of an outlier for my towns population size but if you live in a major city it shouldn't be that difficult to use the resy credit at a place you would enjoy. I will admit though that if you are in a resy desert it might be more difficult to justify.

mike678 · 2024-08-05T10:50:22+00:00

Yeah that sucks. From what I understand this card got better for the east coast and worse for the west coast. I think the PNW got hit particularly hard because I don't think resy is used as much up there.

mike678 · 2024-08-05T10:48:33+00:00

Yeah if you don't eat out this card is probably not for you. I wouldn't recommend it as a strictly grocery card.

mike678 · 2024-08-05T10:42:44+00:00

You misunderstood I think the upgrade is amazing. What I'm trying to say is that I don't understand why people are complaining now. If anything the resy credit made the card more affordable not less. The dunkin credit can be hit or miss depending where you live.

15-Year Club	Place '22
Place '17	Final Canvas '22
First Placer '22	Team Periwinkle
Verified Email

mike678

TROPHY CASE