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Looking at my recurring charges today, I realized I have my parking garage charges on my Delta Amex. It was a logical choice when I made it. I was making sure I hit the $50k a year in business spend on the Delta Amex to get 20,000 MQMs a year (The Delta Business Platinum card gives you 10,000 bonus MQMs and 10,000 bonus miles for hitting $25,000 in spend for a year and again at $50,000 in annual spend).

The charge is $353 a month. On the Delta card, that is 4,236 miles or about $50 in miles (I value Delta miles just north of a penny a mile).

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On the Chase Ink Business Preferred card, I will get 3x points (all travel earns 3x points and garages count). So that is 12,708 Chase Ultimate Rewards points.

But that’s not all. Because I transfer all the points earned on my Chase Ink Business Preferred card to my Chase Sapphire Reserve card, I can now redeem for a minimum 1.5 cents a point in the portal (or get more value by transferring points to airlines and hotels).

I’ll now get a points rebate of $191 at a minimum (vs. ~$50) on my annual garage spend of $4,236.

That’s close to a 5% rebate.

Even when you write about this stuff every day, it’s easy to miss one. But it’s also easy to see how maximizing ALL of your spend can be worth quite a bit of cash at the end of the day, especially if you have a business.

Does reading this remind you to change a recurring charge of your own? Let me know below or in the MilesTalk Facebook group


I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.



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