Milan / Florence / Rome

21 February 2019


Back in October of 2018, I was able to travel to Italy on credit cards points! 2 Delta Round Trip Tickets to Milan for 68,112 Chase Ultimate Rewards points (34,056 per person)

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I recommend using Chase points for travel! Yes, you could redeem them for cash (50,000 = $500) BUT they’re worth SO much more when redeemed for travel. Further explained below

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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. This definitely isn’t the most efficient way, but I was in a rush for points as I wanted to go to Italy the next month.

  • 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!

Offer Link

2. Chase Sapphire Reserve was one of my favorite cards!

50,000 points with $4,000 spend.

  • I personally met this spend by opening 1 PNC checking account (funding the PNC account with $2,000 from the credit card) and two BMO Harris Checking accounts. More info on funding bank accounts with credit cards.

  • Unfortunately BMO no longer allows credit card funding, so I recommend opening a Wells Fargo Account for $500 in credit card funding! And don’t forget the $400 Wells Fargo Checking Bank Bonus And First Home Bank that allows $1,500 in credit card funding as a “purchase” then just pay off the card with your deposit! Apply online and not in branch!

  • 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)

Offer Link

3. There’s also the Chase Sapphire Preferred. Which is 60,000 points and the same spending requirement with a $95/year, you 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!

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Yes, you could redeem them for cash (50,000 = $500) BUT they’re worth SO much more when redeemed for travel. You can transfer points to airlines / hotels or redeem through the Chase portal.

For my Italy trip, I used the Chase portal to redeem points for 1.5x.

I have also transferred points to Hyatt for an upcoming Cancun trip. (For example: 25,000 Points is 1 night at this all-inclusive resort in Cancun, which runs +$500/ night. So, instead of redeeming 25,000 points for cash ($250) you get over $500 value in travel!