The big miles post: comparing what we paid for what we would have paid

As anyone who reads this blog knows, I truly love finding a great miles/points deal. So when my wife and I started planning our honeymoon I realized this was the opportunity of a lifetime to use our points to maximize our enjoyment of flights and hotels wherever possible. While we couldn’t use them all over the places we visited (specifically, in Indonesia) we received such benefit that our honeymoon was that much better and that much cheaper.

This all started about 2 years ago when I got involved in the miles/points game. We started signing up for credit cards like the Chase Sapphire Preferred, Chase Freedom, Chase Ink Plus, and Chase Ink Cash. Each had a lucrative bonus of Ultimate Rewards points that we stored away for safekeeping. I also signed up for the Citibank American Airlines cards (both personal and business) in order to get 100,000 AA miles to supplement some I had from before the US Airways merger. I added the CitiBank ThankYou Premier card as well as Citi Prestige to get 100,000 ThankYou points as well. Finally, we signed up for a few hotel-based cards: We got the Starwood Personal and Business cards when the bonuses were 30,000 and 35,000 instead of the base level of 25,000 and we also both got the Chase Marriott cards. Sufficed to say, we had a lot of points to spend.

So, in this post I want to analyze the difference between what we paid and what we should have paid if we hadn’t used any points.

The first use of our points was our flights from New York-JFK to Denpasar, Bali. We decided to use Korean Airlines because they are a transfer partner of Chase as long as you have either the Sapphire Preferred or the Ink Plus. We took two flights to get there: one from New York to Seoul and another from Seoul to Bali. We decided to take a one day layover in Seoul so the flights below are not entirely accurate.

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The total cost using miles was 190,000 points + $166 in taxes. 

If we bought the tickets outright, the cost would have been significantly higher.

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As you can see, the tickets from New York to Seoul alone would have been $20,063.60 in total. For some reason I can’t seem to price out the Seoul->Bali ticket right now, but it likely would have been at least $2,000 each.

For our next major journey on miles we flew from Singapore to London on British Airways. We used American Airlines miles to purchase these tickets before the big devaluation it actually cost us less than quoted below: only 70,000 American Airlines miles each.

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With taxes and fees, the total cost was 140,000 miles + $588.40 in taxes and fees.

Running total: 330,000 miles + $754.40.

The actual cost would have been much more (although less than Korean Air):

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Total cost for this flight with two people: $13,057.60.

Running total: $33,121.20

The last major flight was our return home from Frankfurt to New York-JFK with Singapore Airlines. Our two tickets used quite a few miles because the saver award was not available. I had two transfer over 100,000 Citi ThankYou points and Chase points to get it, but it was well worth it.

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With conversion from the date of purchase, the total cost was 221,000 miles + $621.62.

Final total for flights: 551,000 miles + $1,376.03.

From the example below our flight cost would have been $10,183.12.

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Final total for flights: $43,304.32.

One major aspect of this travel I am not including in cost was all the lounges we visited. As a first class passenger we had access to a number of lounges at each airport and with the Citi Prestige we had access to even more through the Priority Pass network. Even in Lombok Airport – a tiny blip on the screen in Indonesia – there was a Sheraton Lounge that took it. We must have saved a few hundred dollars on food and time due to this benefit.


Now we can start discussing the hotels we stayed in because they were also heavily discounted. The first use of points was at the Four Points by Sheraton Hotel in Singapore. As it is a newly rebranded hotel there was a discount in the price although we used our points anyway. We booked to stay for 3 nights on points instead of paying the full price.

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Total hotel points used: 30,000

If we had paid for it outright, the cost would have been around $120/night, totalling $360.

Next, we stayed at a wonderful Sheraton property in London called the Park Lane Hotel. It is a beautiful old world hotel that has been converted to a Sheraton but retains much of its charm. Since we decided to stay in London for five nights we benefited from Starwood’s 4 nights + 1 free promotion when redeeming points. Normally the hotel is 20,000 points/night but it averaged to 16,000/night due to this deal.

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Total hotel points used here: 80,000. Running total of hotel points: 110,000.

Had we booked our room and paid fully, each night would have been a whopping GBP £218. Based on when we booked the hotel (i.e. before the Brexit), that would have been $316/night. Total cost would have been: $1,580. Running total: $1,940.

In Paris we switched gears a bit and stayed at a Marriott Hotel instead since we had all those points to use. I found a great location with the Marriott Opera Ambassador Hotel. It was conveniently located to many restaurants, museums, and right on public transit lines. We stayed four nights there at a cost of 40,000 points/night.

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Total was 160,000. Running total is: 270,000 points. At this point it is important to mentioned that not all points are created equal, especially when it comes to hotels. Obviously Marriott properties require more points than Starwood ones. Just keep that in mind for the future.

Had we stayed there paying outright, the room would have been 243 Euro/night, translating to $275/night. Total cost: $1,100. Running total: $3,040.

For our last night we stayed at the Hilton City Centre Frankfurt. I had accumulated many Hilton points and even had Gold Status due to the Surpass Card I had signed up for two months prior. While the standard room rate is 50,000 points I actually found a discounted Deluxe Park View room for even less!

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So the total amount of points spent overall for 13 free hotel nights was 311,157 points.

Had we paid out-of-pocket for that room it would have cost 139 Euro, or $157/night. Total cost of hotels would have been: $3,197.


This was a truly amazing trip. The sites we saw were fantastic (and more blog posts to come in that regard). The transportation we took was lovely and speedy. And the places we stayed were welcoming and enticing. I can’t wait to do this again in the future!

Florida and Nashville for under $600

My wife and I recently decided to use President’s Weekend to visit Florida again and – since I have a mid-Winter break as a teacher – I am continuing on to Nashville for the rest of the week. We used a variety of different mileage deals as well as knowledge of where to get discounts in order to book these tickets.

Flights to Florida
I searched a variety of methods including using British Airways Avios to book an American Airlines flight for 7,500 Avios per person but unfortunately the availability was just not there. There were a few business/first class flights but since their devaluation last year, it was no longer worth it (15K for the one way, not it’s 30K). In the end, I found availability using American Airlines miles themselves under their “Economy AAnytime” category which was only 20K per person. I had 32K available personally but my wife had 7K available to transfer. The cost was about $80 (annoying) and I had to buy the last 1K at a cost of $50. Baggage is free since this is an award ticket. Total cost: $130 (for miles) + $11.20 (Sept. 11th fees) = $142.50

Rental car in Florida
I don’t often use these deals, but I received a notice in my email from American Airlines that we could earn 6 times the normal mileage for renting through Hertz using certain codes sent to me via email. That’s exactly what we did, so for total cost of under $200, we got our three day rental. Total cost: $197.

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Housing in Florida
This is the cheapest part. My parents have a condo in Delray Beach. If you have family members who have places to stay in Florida, take advantage of it. Instead of spending any hotel points or money to stay in an AirBnB or something like that, it was free. Total cost: $0.

Return flights
My wife is returning to New York on February 16 and I am continuing on to Nashville to explore a city and state I’ve never been to! I found a return ticket for her using United because we received travel vouchers for $150 due to our complaint a few weeks ago on our last trip to Toronto. I found a deal for $211.10 (pretty good) on her return fare. We have the MileagePlus Explorer card, so baggage is free for the first two travelers. Total for her flight: $211.10 – $150 = $61.10.

As I mentioned, I am continuing travel to Nashville for three more days of relaxing break. I found a deal with Southwest Airlines for a direct flight using a ridiculously small amount of points: 6,699 for the one-way. Since we have more than enough Chase Ultimate Rewards points right now, I transferred 5,000 (I already had about 1,900 in my account) and booked the ticket. Total cost: $5.60 (Sept. 11th fee again).

Housing in Nashville
I did some searching using the various hotel points we have and found a good deal with Hilton Hotels for a Hampton Inn at the Grand Ole Opry in Nashville. For only 30,000 points/night I could book my three nights for free! The only snag was that I only had 80K. I researched the cost of the extra 10K points and found out it would have been another $100 to buy the points necessary.

Instead, I looked at some of the transferable options that I have access to. I shied away from using our Chase Ultimate Rewards point as we want to use that for a return flight for our honeymoon. Instead, I realized that I have had a few thousand Citibank ThankYou points lying around a checking account for years. I looked at their list of transfer partners and – low and behold – Hilton is one of them! At a ratio of 1.5:1, I transferred 7K for a redemption of 10.5K – exactly what I needed. Total cost for my hotel: $0. 

Rental car in Nashville
This purchase was deceptively simple. I usually use a website called RentalCarPerks for specific codes that have offers for Hertz, Avis, Budget, and more. Instead, Enterprise had the best offer – an intermediate SUV for $120. Yes, that was the cheapest option (not the compact or economy – those were more expensive). Total cost of car rental: $120.47

Return flight from Nashville
I used my own United voucher on a flight I found for $175.10. Again, having the United credit card allows for free baggage. Total cost for flight: $175.10 – $150 = $25.10

OVERALL TOTAL COST: $557.77