In March of 2019, I was able to travel to Cancun on credit cards points! The first of many all-inclusive vacations; there’s nothing better than laying in a cabana on the beach with unlimited food and alcohol.
The cost of the Hyatt Ziva Cancun runs ~$500+/night, but here’s how to stay for little to no cost…
This trip took 2 credit card bonuses to fund: the Hyatt Credit Card and the Chase Ink Business Preferred.
Before you dismiss the credit card bonus because of the spending requirement - there are many ways to manufacture spend on credits cards, so you’re not actually “spending” $6,000 just to get the credit card bonus.
Most Hyatt all-inclusive resorts are 25,000 points/ night. The Hyatt credit card sign up bonus covers the first two nights. The second card can be any of the 3 Chase cards mentioned below. 50,000 Chase UR points will cover the last two days.
Yes, you could redeem Chase UR points for cash (50,000 = $500) BUT they’re worth SO much more when transferring the points to Hyatt. Transferring 50,000 points to Hyatt covers 2 nights at the all-inclusive (valued at over $1,000).
1. Chase Ink Business Preferred is one of the best offers out right now!
80,000 points with $5,000 spend.
I met the $5000 spending requirement by using Venmo. There’s a 3% fee on Venmo for using a credit card ($150) but in the end received the 80,000 bonus and 5,150 points from $5000 in total Venmo transactions. Total of 85,150 points that cost $150 in fees and $95 for the annual fee on the card.
Yes, it’s a business credit card and a business can be anything from selling things eBay, Facebook Marketplace etc! You can find more information on business credit cards here!
2. Chase Sapphire Reserve was one of my favorite cards!
50,000 points with $4,000 spend.
I personally met this spend by funding checking accounts with the credit cards as “purchases” More info on funding bank accounts with credit cards.
This card has a $450 annual fee. SO worth it! It comes with $300 in travel credit per year. Personally, I used the $300 travel credit collectively throughout the first year, and the second year I used the $300 in the first month and then CHANGED THE CARD to the Chase Freedom card (which has no annual fee), so the second year $450 annual fee was refunded and I still got the second $300 travel credit for that first month. For a total of $600 travel credit and only paid the first $450 annual fee)
Reasons this card is amazing:
Priority Pass access! (Gives you and 2 guests access to airport lounges around the world! Free food and drinks (beer, wine, cocktails) at the airport!
Can redeem points through the Chase portal for 1.5x (50,000 points turns into 75,000 points for travel)
3. There’s also the Chase Sapphire Preferred. 60,000UR points with the same spending requirement with no annual fee the first year ($95/year after, can also change the card to the Freedom after a year to avoid the fee).
1.25x point redemption for travel through the portal
None of the benefits mentioned above
Last year, I got both the Sapphire Reserve and Sapphire Preferred Cards, but they only allow 1 Sapphire card per person now. So choose the on that best fits you! If you don’t travel that often I recommend the Sapphire Preferred, if you do then go for the Reserve!
Also, there are other Hyatt all-inclusive locations and the Hyatt points can be used at multiple other locations starting at 5,000/night! Bon voyage!