👋 Hi Reader,

Hope your weekend is off to an amazing start! Here are today's highlights:

• 💳 Limited-time 100k bonus points welcome offer
• 📊 Deep dive on credit scores and their real-life impact
• ✈️ Up to 30% off Southwest flights
• 🎰 Extra points at Hyatt casino hotels
• 💸 P&G products: $20 off $80 + 15% off + $15 rebate
• 💺 25% off Air France-KLM award flights
• 🏨 Save 15% at IHG & Choice hotels
• 💪 Strategies for improving longevity for seniors and more!

Like what you’re reading? Pass it along to someone who might love it too. And if that’s you, make sure to subscribe here! Thanks so much :)

Chris

📊 Deep Dive on Credit Scores and Their Real-Life Impact

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Consider this my ultimate guide to credit reports and scores: how they’re calculated, what affects them, and proven ways to improve them. I’ll also cover the impact of opening multiple credit cards, how to check your credit reports and scores for free, dispute errors, understand lender scoring models, and protect your financial health.

🔒 Remove Your Personal Info from the Web

Today’s newsletter is brought to you by… DeleteMe​

With AI making scams more sophisticated, protecting your personal data is more crucial than ever. When I Googled myself a few years ago, I found detailed profiles with my email, phone number, address, family members, and more. After hours of trying to remove it manually and almost giving up, I turned to DeleteMe, which made the entire process so easy and I've been a happy customer of theirs ever since.

​DeleteMe removes your personal information from 100s of data broker websites and continuously scans to keep it off. On average, they remove 2,000+ pieces of data in the first two years for each customer.

Get 20% off DeleteMe for you or your entire family at chrishutchins.com/deleteme​

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as Bankrate.com. This may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

🛫 Travel, Points & Miles

💳 Limited-Time Welcome Offer: 100k Bonus Points

If you've been contemplating adding a travel credit card to your wallet, now might be the perfect time to get the Chase Sapphire Preferred® Card because of the limited-time welcome offer of 100,000 bonus points after you spend $5,000 on purchases within the first 3 months.

Each Chase Ultimate Rewards® point is worth 1.25¢ when you book travel through Chase Travel℠, which means this bonus is worth at least $1,250. However, the Chase Sapphire Preferred® Card allows you to transfer points at a 1:1 ratio to 14 different airline and hotel partners, which could offer a much higher redemption value and is my favorite way to maximize my points.

​This card is one of my top choices because of the reasonable $95 annual fee and the travel perks like the $50 annual Chase Travel℠ hotel credit, rental car insurance, trip cancellation/interruption insurance, trip delay reimbursement, lost luggage insurance, and more.

✈️ Up to 30% Off Paid & Award Southwest Flights

Southwest is offering up to 30% off both paid and award flights with promo code TAKE30. Book by 4/7 for travel dates on U.S. flights (4/22–8/27), international/Hawaii/Puerto Rico (8/17–10/3), and inter-island Hawaii (4/22–6/3), with a 21-day advance purchase required.

💰Targeted Offer to Redeem Points for 2.25¢/pt

​Doctor of Credit is reporting that some cardholders of two very popular travel cards are seeing an elevated redemption opportunities in the travel portal to get 2.25¢ per point. Sadly I wasn't targeted for this offer, but if I was, I'd have used it to book all our summer travel.

🎰 Extra 777 Points per Night at Hyatt Casino Hotels

You can earn an extra 777 points per night at many of Hyatt's casino hotels if you register here and stay from 4/10 to 6/9. There are 20 eligible properties around the world, including the Venetian, Palazzo and Rio in Las Vegas.

🏨 Save 15% (Or More) at IHG & Choice Hotels

Here are two promos you can take advantage of for upcoming travel:

• IHG: Save 15% on award stays at new (and newly renovated) properties when you book before 4/30. Plus get an extra 10% off with this card-linked offer that expires on 5/31.
• Choice: Save 15% on 2+ night stays when you book by 6/1 and stay before 6/29.

💺 25% Off Air France-KLM Award Flights in April 2025

Air France-KLM's Flying Blue April 2025 Promo Rewards is offering 25% off award flights between Europe and destinations mentioned below when you book between 4/1 and 4/30 for travel until 9/30.

• Economy: New York, Houston, Montreal, Fort-de-France, and Pointe-a-Pitre
• Premium Economy: Cayenne and Paramaribo
• Business Class: Bogota

P.S. Make sure to use Flying Blue's “secret” award calendar if you have trouble finding availability.

🇨🇦 Aeroplan: Earn up to 6,000 Bonus Points

Traveling between the US and Canada? Earn 3,000 bonus points (one-way) or 6,000 bonus points (round-trip) when you book your flight with Air Canada by 4/13 for travel through 12/15. Registration required.

🇮🇸 Redeem JetBlue Points on Icelandair

In other airline partnership news, JetBlue just added Icelandair as a redemption partner, meaning you can now use JetBlue TrueBlue points for Icelandair flights. And speaking of Iceland, we’re super excited for our Iceland trips this September and there's only 2 spots left!

🤑 Latest Deals

💸 P&G Products: $20 Off $80 + 15% Off + $15 Rebate

Get $20 off an $80 Amazon purchase of P&G products that include everyday essentials like Tide, Bounty, Febreze, and Charmin. You can also save up to 15% when you choose to Subscribe & Save on Amazon, plus, get a $15 rebate from P&G when you spend $50.

🔁 Current Transfer Bonuses (Up to 80%)

Here are transfer bonuses you might be able to use to score an awesome deal for an upcoming trip:

• IHG: 80% bonus till 4/30​
• Etihad: 20% bonus till 4/30​
• Aeromexico: 20% bonus till 4/30​

As always, I wouldn't recommend taking advantage of these if you don't have a trip in mind. Here’s a list of historical transfer bonuses, so you can get a good sense of what to expect in the future.

🚗 Earn Free National Car Rental Days

Earn free rental days after a minimum of two rentals for two consecutive days or more through National Car Rental’s "One Two Free" promo. Rentals must be between 4/1 and 6/22, and registration is required.

💳 Lyft & Peloton Perks on Credit Cards Extended

A popular bank* has ​extended its partnerships with Lyft and Peloton​ through December 2027, allowing cardholders to continue earning bonus points. The earning rate for Lyft has decreased to 5x, but a $10/mo credit was added. For Peloton, you can still earn up to 10 points per $1 spent.
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We actually just used the Peloton offer to get 10 points and stacked it with this $100 off from their Hyatt partnership AND 12% back from Kudos (← my referral link for a free $20). When you combine all that, it was an effective 30% off!
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​*For compliance reasons, we can’t include names of all cards/banks.

🕵️ Great Find

💪 Strategies for Improving Longevity for Seniors

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I'm a big fan of Peter Attia’s podcast, but sometimes it goes too deep/long to share with my family. So I really enjoyed this shorter episode where he focused his longevity advice for seniors.

💬 Parting Thoughts

As always, thanks so much for reading! I’d love to hear your thoughts on today’s newsletter, and if you enjoyed it, please let me know why!

Chris

Editor’s Note: The content on this email is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.