I am usually not a fan of trip reports or hotel reviews.  However, I felt the need to talk about Berchtesgaden in general and the Intercontinental Berchtesgaden after taking a trip there recently.

It’s funny that sometimes points take me where I may have never gone otherwise.  I had 80,000 IHG rewards points burning a hole a my pocket. That was the bonus from what is now the Chase IHG rewards mastercard.

I actually learned about the town of Berchtesgaden, Germany after hearing a lot about the Intercontinental Berchtesgaden.  With rooms going for 250 Euros a night, it’s not a hotel I would have ended up at without points.  At 35,000 IHG Rewards points a night, it was a good redemption.

My wife and I stayed there for 2 nights. To start, Berchtesgaden is a magical destination. Being there feels like you are in a fairyland. The views are simply breathtaking.

Berchesgaden 1 Intercontinental Berchtesgaden should be on your bucket list

View just outside the hotel. ©Airlinehotelcreditcards.com


I use the site Rome2rio to figure out how to get to places. Leaving from Vienna, we hopped on a train to Salzburg and then bus 840 to the main Berchtesgaden bus station (Berchesgaden Hbf).  From there, we took a cab to the Intercontinental Berchtesgaden which was about 14 euros plus tip.

If you have a rental car, it’s all the easier as you can easily drive up to the hotel.  Since we didn’t have a car, we had to rely on public transportation to get around.  The hotel actually gives you  a card that allow you to use the public transportation buses for free which was nice.  However, we realized that we wasted quite a bit of time waiting for these buses.  Also, the last bus to the hotel is at 6:30 pm, so if you decide to stay out beyond that, you will have to take a cab.

In hindsight, it would have been quite advantageous to have a car as it would have saved a lot of time and money spent on cabs as well.

The Intercontinental Berchtesgaden

The hotel is one of the top 5 hotels in Berchtesgaden.  In fact, it seems to be the only “chain hotel” there.  If you are looking to stay with loyalty points, this seems to be the only option.  With all others, you will have to pay cash.

The hotel has an uphill driveway, and is a beautiful multi-stone building.

Intercontinental Berchtesgaden 1 Intercontinental Berchtesgaden should be on your bucket list

© Airlinehotelcreditcards.com

Intercontinental Berchtesdgaden 2 Intercontinental Berchtesgaden should be on your bucket list


 As you walk in, there’s an open area which is part of the bar with nice views looking out.

Intercontinental Berchtesgaden 3 Intercontinental Berchtesgaden should be on your bucket list


We got a standard room since IHG doesn’t give upgrades on award stays.  The room was comfortable with a beautiful view from the balcony.

Intercontinental Berchtesgaden 4 Intercontinental Berchtesgaden should be on your bucket list

© Airlinehotelcreditcards.com

Intercontinental Berchtesgaden 5 Intercontinental Berchtesgaden should be on your bucket list

View from the balcony ©Airlinehotelcreditcards.com

The mini bar is complimentary, but only contains juice and water.  Still, not bad considering water can cost an arm and a leg in Europe icon smile Intercontinental Berchtesgaden should be on your bucket list

Perhaps one of the best features of the hotel is the outdoor heated pool.  Again, the view from the pool is breathtaking.

Intercontinental Berchtesgaden 6 Intercontinental Berchtesgaden should be on your bucket list

Heated outdoor pool ©Airlinehotelcreditcards.com

Top 2 Attractions

The number 1 attraction in Berchtesgaden is Königssee which is a glacial lake.  You can get there by taking a short bus from the main Berchtesgaden bus station.  The boat tour (a must do) takes you on a 35 minute tour of incredible beauty ultimately taking you to the main attraction of Bartholomew’s Church.  There is a longer boat tour you can take as well.

Berchtesgaden 2 Intercontinental Berchtesgaden should be on your bucket list


Berchtesgaden 3 Intercontinental Berchtesgaden should be on your bucket list

One of the other attractions is Kehlsteinhaus (Eagle’s Nest).  You take a very short walk from the hotel (~5-7 minutes) and then take a bus from there.  Technically, it’s a chalet style structure on top of a peak which was intended as a 50th birthday present for Adolf Hitler (history lesson).  The views you see from the elevation are some of the best I have seen.

Berchtesgaden 4 Intercontinental Berchtesgaden should be on your bucket list


Berchtesgaden 5 Intercontinental Berchtesgaden should be on your bucket list

The Intercontinental Berchtesgaden from Eagle’s Nest ©Airlinehotelcreditcards.com


Berchtesgaden is a beautiful place in the Bavarian Alps with a lot of history.  It should definitely be on your bucket list.  If you don’t want to spend cash for staying there, consider staying at the Intercontinental Berchtesgaden for 35,000 IHG rewards points a night.  You could also use the free anniversary night from the Chase IHG Rewards mastercard to book this.  It’s a 5 star hotel, very romantic and great for a honeymoon.  You won’t regret it!


It’s always fun to learn new stuff from the travel blogosphere.  Today, I learned something new courtesy of Travel with Grant.  There’s some great information on his blog.

Apparently, there is a no annual fee from Bank of America called the BankAmericard Better Balance Rewards Card.  It looks like Bank of America will pay you just for using the card every month and paying off more than the balance every month.

BankAmericard Better Balance Rewards  Make money with the BankAmericard Better Balance Rewards credit card

Here’s the details:

  • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
  • Get more rewards for the banking you already do – an additional $5 bonus per quarter if you have a Bank of America® checking or savings account
  • Cash back is automatically credited to your card balance
  • Pay down your balance faster with a low Intro APR offer
  • No annual fee

It looks like you can pretty much get $100 or $120 a year for free.  What I take away is that you just make a small transaction every month and then pay off a bit more than what’s due.  I did not see any terms for what a minimum transaction has to be.

You can downgrade from the Bank of America Alaska Airlines Visa card when it’s time to cancel.  One idea I had is why wait to downgrade at the end of the year.  Why not apply for the Alaska Airlines Visa, get the bonus miles, and downgrade right away so you still have the rest of the year to earn the $100 or $120.

In addition, it looks like you can have more than one of these cards.  Depending on how many of these cards you can get, that’s easy tax-free money.  I’ll be looking to add this to my no annual fee card pile in the near future.  You could consider this as off-setting a nice annual fee card such as the Chase Sapphire Preferred.


In this competitive world of credit cards, Chase is a powerhouse in offering some of the best cards. The bank’s Ultimate Rewards currency is valuable and versatile.

Recently, Chase announced a couple of offers worthy of application.

Chase INK Plus – 70000 point signup bonus (HT: Flyertalk)

You can get the Chase Ink Plus with a bonus of 70000 points. The key is that you have to apply in a Chase branch and the $95 fee is not waived. Minimum spend is $5k in 3 months.

Since the normal offer is 50,000 points with no annual fee the first year, you are essentially getting 20000 extra points for $95. You are buying the extra points for 0.475 cents per point. That is an excellent value for Ultimate Rewards Points.

As always, you can’t go wrong with 5x points at office supply stores, cable, internet and phone bills and 2x points at gas stations and hotels.

Marriott Rewards Premier Visa – 70000 point signup bonus

There’s also a public offer  for 70,000 points for the Marriott Rewards Premier Visa.

Marriott 70000 points 70000 point offers   Chase Ink Plus and Marriott Rewards Premier

There is no annual fee the first year, $85 thereafter.  In addition to the 70,000 points, you get 1 free night stay at a category 1-4 location.  You get 1 free night every year at a category 1-5 hotel as well.  The minimum spend is $1000 in 3 months.

Looking at Marriott’s award chart, you can easily redeem for 2 nights at an upper category Marriott or even 2 nights at a lower level Ritz-Carlton.

This is certainly not a great card for everyday use.  Just get the bonus and then put it away in your drawer and even consider canceling it after the first year.  There are certainly better cards out there for everyday spend.


The Citi Thank You Premier card may have just become a little more valuable after Citi recently announced that Thank You points can be now be redeemed for miles.

citi thankyou premier Citi ThankYou Premier becomes a little more valuableMore specifically, they can now be transferred to the following airlines:

  • Cathay Pacific Asia miles
  • Eva Air
  • Etihad Guest
  • Garuda Indonesia
  • Qatar
  • Singapore Airlines
  • Thai Airways

ThankYou points can be transferred at a 1:1 ratio, so 1000 points=1000 miles in any of the above airlines.

Is this worth it?

There’s a small catch with the Citi Premier card. The card offers:

  • 20,000 ThankYou points after $2000 spend within 3 months of the account opening
  • 30,000 ThankYou points after $3000 spend in the first 3 months of the second year

The annual fee is waived the first year, but is $125 the second year.   To collect the entire bonus, you will be paying the $125 annual fee.  Ignoring the minimum spend ($5000), you will be earning 50,000 “miles” in the first 2 years.

In a way, this is similar to the 100,000 mile Citi American Airlines card offer since you were getting 100,000 miles for a net $250 fee, with a 10,000 minimum spend.  This is “half” of that offer.  The only difference is that you didn’t have to wait a year and 3 months to get your bonus miles.

Previously, Citi ThankYou points could be redeemed for 1.25 cents/point when redeeming for airfare or 1.6 cents/point when redeeming for American or US Airways flights.

Now with the points to miles option, the value is only increased if you can redeem your miles for greater than 1.6 cents/point.  You certainly can do that by transferring to Singapore Airlines.  You can fly to Hawaii for just 35,000 miles using Singapore Airlines Krisflyer miles.  That’s easily worth over 2 cents/mile.

Of note, Citi states that it can take up to 14 days for the transfer, so you must be careful if you are planning on redeeming an award with those miles.

The Verdict

The Citi ThankYou Premier card has added a bit of value by allowing for points to miles transfers to 7 different airlines.  This added value is there only if you can redeem the miles for greater than 1.6 cents/mile.  With the current offer, you will have to wait till year 2 to collect the full bonus.  That might be as good as it gets.  This card is certainly not worth keeping the 3rd year for the $125 annual fee.


 Amex Business Platinum 150000 points offer, Chase Freedom 17,500 points offer, and Sapphire Preferred Update1.  Amex Business Platinum 150000 points offer

A friend of mine received a 150K Amex Business Platinum offer.  That is probably one of the biggest offers I have seen.  I have never received an offer like that, but I would have loved to.  Lucky for me, he did not want the offer because he has had the business platinum card in the past 12 months.

Although I am not sure, I do think this offer is transferable, meaning I could use the targeted RSVP code.

According to the offer, you get 100,000 Amex Membership Rewards points after $10,000 spend within 3 months and additional 50,000 points with another $10,000 spend within the same timeframe. 20k spend in 3 months is not difficult, but it certainly takes away from spend on other cards.

The card has a $450 annual fee, most of which you can recover with the $200 airline fee reimbursement, $100 Global Entry credit OR $85 TSA Precheck application fee credit.

It recently lost benefits for American Airlines or US Airways lounge access, but you still get lounge access for Delta or the Amex Centurion lounges.

The current public offer is for 40,000 points after $5k spend in 3 months, so this offer is quite noteworthy.  Keep a lookout for one in your mail.

2.  Chase Freedom 17,500 signup bonus

The normal offer for the Chase Freedom is 10,000 points.  There was recently a 20,000 point offer as well.

However, the most current offer is 15,000 Ultimate Rewards points after spending $500 within 3 months.  If you add an authorized user and make a purchase, you will get an additional 2,500 points.  Everyone should have this in their wallet.

As always, it’s good for getting 5x on quarterly rotating bonus categories, this quarter being Kohl’s and gas stations.

3.  Chase Sapphire Preferred dropping the 7% annual bonus but adding…..

Yup, Chase is dropping the 7% annual bonus.  If you are a new applicant, you will not get this annual bonus.  If you already have the card, this benefit will continue till the end of 2015.  Depending on how many Ultimate Rewards points you earn a year, this could be quite significant.

To soften the blow, the Sapphire Preferred will come with Primary Collision Damage Waiver Insurance on rental cars.  Collison Damage Waiver only covers the rental car in the event of damage or theft.  Previously, this coverage was secondary meaning you would have to file a claim with your personal insurance company first.

With this new benefit, the Sapphire Preferred will be my go to card for rental cars.  I had been using the United Explorer card as that has primary coverage as well.  You can now think of it like this:  you paying for primary collision coverage with your 7% annual bonus icon smile Amex Business Platinum 150000 points offer, Chase Freedom 17,500 points offer, and Sapphire Preferred Update

I would rather have had the 7% annual bonus.


Find out easily where your Avios can take you

We all know how great Avios are.  We have all seen the distance based chart below:  avios distance chart Find out easily where your Avios can take you

Usually, you have a destination in mind and check to see how many Avios it takes to get you there.  For example, let’s say you live in Chicago and want to go to Toronto.  That’s a distance of 436 miles according to gcmap.com, so according to the award chart above, it would cost only 4,500 Avios to take that one-way flight (on American Airlines), as opposed to say 12,500 United miles on United Airlines, a savings of 8,000 miles.

However, what if I wanted to know all the destinations from Chicago where I could go for 4,500 Avios.  Put another way, what are all the destinations from Chicago that are within a 650 mile radius.  The reason why someone may want to know this if their travel plans are fairly open, or they want to strategically use their miles in planning a trip.

The British Airways website doesn’t have this option and I can’t think of any other website that provides this information.

However, you can do this yourself with the help of GCmap.com.  I think it’s a pretty cool website that calculates flight paths, distances, and draws awesome maps that you can use on your website.

For example, the image below is ORD with a 650 mile radius with Toronto well within it.

gcmap ord yyz Find out easily where your Avios can take you

As you notice, cities and states are not listed. If you know your geography well, you can get an idea of where you can travel.  If you don’t know your geography, just pull up google maps in a side window to do some comparison.

How to do this:

  1. Go to gcmap.com
  2. Click on the “map” button
  3. Next at the bottom of the page, in the box titled “Map Ranges,” type in the distance and the airport as follows: “650miles@ORD” and then click “Draw map”
  4. The default for entering this data is “9380nm@LHR.”  Notice the “nm” which stands for nautical miles which is not what you want.  You want to enter “miles” which is statute miles as in the Chicago example in step 3.  You can find the difference between nautical and statute miles here.  The distance traveled and the frequent flyer miles that you get awarded by an airline are based on statute miles.
  5. Once you have an idea that your destination airport is in the zone you are looking for, just verify by typing that in the “Path” box.  Example (ORD-YYZ)

This will be most beneficial for OneWorld Alliance hubs. Here’s a map of London Heathrow with a 650 mile radius, 1151 mile radius, 2000 mile radius (corresponding to zones 1 through 3 on the Avios award chart).

gcmap lhr Find out easily where your Avios can take you

This makes it easier to see where you can travel for 4,500 Avios, 7,500 Avios, or 10,000 Avios.   It certainly beats looking up each destination individually.


Since the Hilton devaluation, it’s difficult to justify using Hilton points for aspirational properties because the amount of points required is outrageous, and it might take a while to accumulate that many points.

Examples of some properties and points required

Hilton categories and points required Using Points and Money Option to Get Decent Value Out of Hilton Points

I didn’t cash out on my Hilton points before the devaluation and was looking now to burn them while still getting decent value out of them.  I have an upcoming trip to Vienna, and after doing some research, I came across the Hilton Vienna Danube Waterfront, a #35 ranked hotel on Tripadvisor.  It is a category 5 hotel.

It was going for $164 Euros ~ $213 per night.  For a four night stay, that’s an $852 bill.

With regards to the rank on tripadvisor, the price compared to other hotels, this seemed like a fair value for what someone (not me) might pay for the hotel.

hilton danube Using Points and Money Option to Get Decent Value Out of Hilton Points

As you can see above, I could have also used 120,000 Hilton points for a 4 night stay.

The final option was a points and money option at 38 Euros (~ $50) plus 12,000 points per night.  Thus, a 4 day stay would be $200 and 48,000 Hilton points.

If I used 120,000 points for the stay, the calculated redeemed value for $852 bill is 0.7 cents / points.

If I use the points and money option, the calculated redeemed value for the 48,000 points is 1.358 cents / point. ($852-$200)/48000 points

To me, the 1.358 cents/point redemption is a pretty good value as experts value Hilton points at 0.4 cents/point.

Although I had known about points and money options before, I had never really looked into it.  I am able to get decent value out of my Hilton points and stretch them further using this option.

There’s a few things one should know about Hilton cash and points redemptions:

  • Not every property participates in them
  • You will seem them randomly when you try to book with Hilton points.
  • Different properties set their own rules.  They may not offer cash and points when the daily rate is higher compared to other dates
  • Some hotels charge higher copay than others, even though they are in the same category.

The Hilton points and money option is worth evaluating if the property you are looking at offers them.  You can even find these on  higher end properties and still get great value on your Hilton points.  Loyalty Traveler has a table of points and copay you should expect on different Hilton category hotels.


I’ve written about Ebay in the past.  I think it’s a great venue for buying discounted gift cards.  Of course, there is some risk involved.  At the same time, I am hesitant of selling gift cards on Ebay for the same reason… risk and fraud.

Time and time again, I have seen something on Ebay that boggles my mind.  I see gift cards being sold for more than face value.  See example below of completed transactions for Shell gift cards on Ebay:

ebay completed gift cards When Gift Cards Sold on Ebay Dont Make Sense

A $100 Shell gift card sold for $116.49 and a $50 gift card sold for $57.  After accounting for Ebay fees and possibly even shipping, my guess is that the seller likely collected roughly the same amount of money as the value of the gift card.  There are numerous other examples.

If this doesn’t present an opportunity for manufactured spend, I don’t know what does.  I mean it seems easy right.  Just go out and buy a $100 gift card using a credit card that gives 5x category bonus (Chase Freedom last quarter at Lowes), then sell the gift card on Ebay for $116.  If Ebay fees and shipping come out to $16 or less, you get an easy 500 points and maybe even a small profit.

It sounds too good to be true.  I know there is some key piece of information I am missing, but I am not sure of what it is.

Can anyone enlighten me on why some gift cards sell for more than face value on Ebay?  I would love to know.


Nowadays, you can pretty much do anything with your smartphone.  The idea of “pay with your phone” seems to be up and coming.  You can pay for Starbucks drinks with your Starbucks app on your phone.  Convenience is the goal.

ISIS wallet Pay with your phone   ISIS, a smart technology concept

The ISIS wallet is essentially a phone app where you store certain allowed credit cards to your ISIS account, and then you can use any of those credit cards when making a “contactless purchase” at a merchant.  There’s a few videos from the ISIS site which I thought I would include in this post which explain all this.  They are very short.

The idea is cool because that’s fewer plastic cards that you have to carry in your wallet.  When you make a purchase, you just choose the card you want from your screen and pay.

There are certainly limitations to this.

Limited cards:

  • All Amex personal and OPEN business cards are eligible
  • Amex Serve is supported (see below why this is good)
  • Chase Freedom, Sapphire, Slate, and JP Morgan Palladium are supported
  • Wells Fargo Visa credit card is supported

Limited Merchants:

The issue with the idea is payments have to be contactless.  I think people are still used to the idea of swiping cards.  Not every merchant has contactless technology yet.

Limited Phone Carriers:

Isis currently only works with Verizon, AT&T, and T-mobile.  I have Sprint, so I can’t get ISIS.

So, far the only good thing I see about ISIS is that Amex Serve is compatible with it.  In addition, having ISIS increases your online Amex Serve monthly load limit with credit cards to $1500 as opposed to only $1000 without ISIS.  As a result, you would be able to do an additional $6000 in manufactured spending.

Although the idea is great, I still think ISIS Wallet has a long way to go.  It would be nice to see the ability to add any credit card from any bank, as well as more compatibility with phone carriers.  If they supported Sprint, I would get it just for having an increased limit for Amex Serve.


The 50000 points Southwest cards bonus offers were supposed to end yesterday.  If you look on the Southwest website, the links redirect you to the 25,000 point bonus.  However, I found “Airtran” referral links that still point to the 50,000 points bonus.

southwest 50000 points 50000 Points Southwest Cards still available online and via referral

50000 point Southwest offer links:

It looks like Chase has also extended the refer-a-friend bonus to the Southwest cards (HT: Travelwithgrant).  If you have a Southwest card, you can refer a friend and receive 5000 Rapid Rewards points for a successful referral.

It looks like you can only refer the card that you have.  Just enter your info on that page to see if you qualify.   It seems like a targeted offer.  If you don’t qualify, you will get the following message:

This Promotion is currently being tested and only eligible customers will be able to get through the authentication screen to refer a friend. Make sure you entered your information exactly as it appears on your account. If you feel you’ve received this message in error please call the number on the back of your card for assistance.

If you do get the offer, you can refer up to 10 people for a total of 50,000 Rapid Rewards points.

The 50000 point bonus is worth a little over $700 when used for “Wanna getaway” fares.  If you have the companion pass, you can double that value.