At that ratio, $ 25,000
in unbonused spend on a new «Black» Bank of America Virgin Atlantic credit card would earn 191,250 Honors points, or 7.65 Honors points per dollar of unbonused spend.
That means the most expensive Ritz - Carlton property in the world requires just $ 23,333
in unbonused spend on the Starwood Preferred Guest American Express, or $ 18,667 in spend for stays of exactly 5 nights.
Not exact matches
Unbonused spend is even simpler, since by definition is has to be much cheaper than bonused spend to be worth engaging
in.
Currently if you spend more than $ 120K
in a year on a FlexPerks card the
unbonused earning rate drops from 1 point per dollar to 1 point per every 2 dollars.
I generally know at the beginning of each month what my goals are
in terms of both bonused and
unbonused spend: I'm going to spend a certain amount of money at grocery stores, gas stations, drug stores, office supply stores, etc., and put a certain amount of bonused spend on certain cards.
Unbonused min spend is always justifiable towards dining
in my mind.
For example, you could earn 1.5 points per dollar on a Freedom Unlimited card and transfer them to a Sapphire Reserve account to take advantage of the higher redemption value, but that would be identical to simply earning the points at 1 point per dollar via
unbonused spend on the Sapphire Reserve card
in the first place.
But
in reality, a travel hacking practice that includes both
unbonused spend and bonus spend would allow you to deploy your bonused spend towards cards like the Asiana Visa Signature, which earn bonus miles, and your cheaper
unbonused spend towards flexible currencies like Starpoints.
If you need to top up your account, you'll get a better earning ratio transferring Starpoints
in 20,000 - Starpoint increments and earning 5,000 bonus Miles & More miles than you will putting additional
unbonused spend on their Barclaycard credit card.
Not great, but not bad for a category of
unbonused spend that was previously impossible to generate points on
in a cost effective manner outside of meeting a sign up bonus (spend that could be put elsewhere to get the bonus).