Chase Ultimate Rewards Complete Guide 2020

Chase Ultimate Rewards 2020 Complete Guide

Chase’s Ultimate Rewards points can be earned via credit card spend and new account bonuses. Those points can then be transferred to airline or hotel partners, used to pay for travel or merchandise, or converted to cash back.  Chase Ultimate Rewards competes directly with other bank issued transferable points programs:

Below, you’ll find everything you need to know about Chase Ultimate Rewards, edited and updated for 2020.

Earn Points

Credit Cards

The easiest and quickest way to earn Ultimate Rewards points is through Chase credit card signup bonuses, category bonuses, and retention offers (though Chase is not known for generous or frequent retention offers).  Below are the current Chase cards that earn Ultimate Rewards.  Of particular note are cards that earn 3X to 5X rewards within certain categories of spend: Chase Ink Cash (5x at office supply stores and on internet, cable, and phone services (cellular/landline) on up to $25K in purchases each year), Chase Freedom (rotating 5x categories each quarter), CSR (3x travel and dining), Chase Ink Business Preferred (3x travel, shipping, internet, cable, phone, and advertising with social media sites on up to $150K per year). See our best category bonuses page for more detail and comparison.
Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the no-fee Chase Ink Cash for its 5X categories, and the no fee Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Preferred Card
60K points
60K after $4K spend in the first 3 months

$95 Annual Fee

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.


Card Type: Visa Signature

Base
Travel
Dine

Earning rate: 2X Travel and Dining

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass for up to 2 years upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Business Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Base

Earning rate: 1.5X on all purchases.

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Business Cash Credit Card

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$550 Annual Fee

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Base
Travel
Dine

Earning rate: 3X Travel and Dining

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $60 annual DoorDash credit in 2020 & 2021 ⚬ Free DashPass for up to 2 years upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom

FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature or Platinum

Base
Gas
Phone
Other

Earning rate: 5X in rotating categories on up to $1,500 spend per quarter. Q1 2020: 5X Gas Stations, Internet, cable, and phone, and select streaming services

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Base

Earning rate: 1.5X on all purchases.

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Plus® Business Credit Card

FM Mini Review: Great card for 5X categories!


Card Type: Visa Signature Business

Base
Travel
Gas
Phone
Office

Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels.

Bank Products

Some Chase banking products also earn Ultimate Rewards points bonuses.  If you can find a good signup bonus (like this one), you can earn as many as 60,000 points that way.  Similar offers occasionally surface for things like new mortgage accounts, though you’ll want to be sure you’re getting the best rate along with your points.

Chase Ultimate Rewards 2020 Complete Guide Banking

Keep in mind that points earned through banking are generally taxable.  However, unlike points earned from Citi’s banking products, Chase Ultimate Rewards points earned from bank account bonuses can be transferred to airline partners or combined with another member of your household.

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholders with the offer details.  Cardholders can also look for Chase friend referral offers here.

Redeem Points

In general, Ultimate Rewards points are worth up to 1 cent each.  There are two ways in which it is possible to get more value, though: redeem points for travel or transfer points to airline and hotel partners.

Travel

With the right credit card, you can get more than 1c per point in value when redeeming for travel through the Chase Ultimate Rewards portal:

Redeeming points for travel through the Chase Ultimate Rewards portal

With many no-annual-fee Chase credit cards, you can redeem points for travel booked via Chase Ultimate Rewards at a rate of just 1 cent per point (or you could alternatively book travel anywhere and cash out your points for a statement credit at a value of $0.01 each). As an example, if you have a card like the Chase Freedom card, a $600 flight would cost you about 60,000 points. See this example of a flight that costs $601.20 or 60,120 Ultimate Rewards points. However, with the Chase Sapphire Preferred or Chase Ink Business Preferred card, you'll get 1.25c in value. The same example flight would cost just 48,096 points when booked through the Chase Ultimate Rewards portal. You'll get the most value with the Chase Sapphire Reserve at 1.5c per point. The same example flight would cost just 40,080 points with the CSR when booked through the Chase Ultimate Rewards portal. Cardholders can book airfare, hotels, cruises, and car rentals in this way. Airfare purchased via the Chase Ultimate Rewards portal still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked via the UR portal often will not offer you elite benefits even if you have status. Furthermore, Chase recently switched to an Expedia-backed portal and removed some ultra low cost carriers from flight options. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.
Fortunately, when you pay with points for travel, Chase's automatic travel protections do apply.  So, you can be covered for things like trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5c per point) and better travel protections.
The following chart summarizes travel insurance provided automatically by each Ultimate Rewards card. Cells in green indicate best in class coverage, yellow indicates good coverage, red indicates worse than peers' coverage. "Pay partial" means that you can get full coverage even if you pay only part of your transportation costs with this card. For example, you could pay just the taxes and fees for an award flight. Or, you could pay part of a cruise with gift cards and the rest with the credit card. See Ultimate Rewards credit card travel insurance for a more detailed comparison beyond this chart summary.
Sapphire Reserve Sapphire Preferred Ink Business Preferred Ink Cash, Ink Business Unlimited Freedom, Freedom Unlimited
Auto Rental Collision Damage Waiver Primary Primary Primary for Business* Primary for Business* Secondary*
Roadside Assistance 4X per year limit Pay per use Pay per use Pay per use Pay per use
Trip Cancellation and Interruption Pay partial Pay partial Pay partial N/A Pay partial
Trip Delay 6 hour delay Pay partial 12 hour delay Pay partial 12 hour delay Pay partial N/A N/A
Lost Luggage Pay partial Pay partial Pay partial N/A N/A
Baggage Delay 6 hour delay Pay partial 6 hour delay Pay partial 6 hour delay Pay partial 6 hour delay Pay partial N/A
Travel Accident Insurance Pay partial Pay partial Pay partial Pay partial N/A
Emergency Evacuation and Transportation $100K limit Pay partial N/A N/A N/A N/A
Emergency Medical and Dental $2,500 limit Pay partial N/A N/A N/A N/A

* Each of these cards offers primary coverage outside of your country of residence.  Unfortunately, the Ink Cash, Ink Business Unlimited, Freedom, and Freedom Unlimited cards all incur foreign transaction fees outside of your country of residence.
If you would like to use points earned on other cards with a card like the CSP or CSR, combine your Ultimate Rewards points with other cards in your name or with one other member of your household or business partner as seen below in the "manage points" section.

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.

Move points to premium or ultra-premium card first

You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners.  Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners

Rewards ProgramChase Transfer RatioBest Uses
Air France KLM Flying Blue1 to 1Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.
Avios1 to 1While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short distance flights. Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.
Emirates Skywards1 to 1
(instant)
Emirates has different award charts for each airline partner. Sometimes they allow one-way awards, sometimes they do not. In general, award prices are fairly high, but there are a few sweet spots such as New York to Milan for 90K round trip in business class.
Hyatt1 to 1Use for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.
IHG1 to 1
JetBlue1 to 1JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one or both cards.
Marriott Bonvoy1 to 15th Night Free awards
Singapore Airlines KrisFlyer1 to 1Use to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid Rewards1 to 1Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlus1 to 1
(instant)
Even though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at United.com. Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying Club1 to 1Virgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

Cash back

Chase Ultimate Rewards cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.

Other ways to redeem points

Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences.  With this approach you'll usually get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay).  Don't do this.  These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).

Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
share Chase Ultimate Rewards with friends Why this is valuable:
  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).

Transfer difficulties? Create a loop

If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:

Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.

How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.

More information

Chase’s official Ultimate Rewards page can be found here.

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

More articles by Nick Reyes »

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Biggie F
Guest
Biggie F

Very helpful post — thanks. The transfer loop thing in particular is something I need to know, since like you, we have had trouble making some transfers within household. These were eventually fixed by just calling and having them do it over the phone. But not anyone’s preference…

Speaking of transfers, maybe under Transfer points, change first sentence to read “airline and hotel” partners…? Like all fanatics, I am prejudiced, but the 1-to-1 for Hyatt strikes me as one of the best things around. It’s amazing that that still exists in an environment where the ratio is the same for Marriott, not to mention IHG. So maybe “airline partners and Hyatt”?

Barry
Guest
Barry

I typically unlink my accounts after transferring points. I just relink when I want to move points. This is another way to avoid getting the error message.

CarolSue Ayala
Guest
CarolSue Ayala

Chase Reserve’s travel insurance pays. It took a while but I just got a check for my entire trip cancellation claim due to unexpected shoulder surgery. Woohoo!

CarolSue Ayala
Guest
CarolSue Ayala

Chase Reserve’s trip cancellation insurance pays. It took a while but I just got a check for my entire claim for trip cancellation due to unexpected shoulder surgery. Woohoo!

Dee Dee
Guest
Dee Dee

I found this post and the earlier one on CITI Thank You so informative! Thank you! May I hope for another on AmEx rewards?

phil
Guest
phil

@Nick,
Since Chase switched to Expedia the available hotel rooms have dropped immensely. I checked numerous cities for next June/July and a majority are unavailable. Hope this changes.

Barry
Guest
Barry

During the switch it seems like Chase took away a lot of the popular uses of points. They removed all of the Disney resorts, Spirit, Allegiant, Frontier, and Southwest. I wonder if they were loosing a lot of money on these redemptions.

Jeff
Guest
Jeff

Southwest is a partner airline. They should allow you to transfer Chase Saphire Reserve (CSR) points to Southwest at a 1 to 1,5 pt rate until they get this straightened out. Otherwise, there is no reason to pay the CSR $450 fee if you use Southwest.

Jeff
Guest
Jeff

Wife and I have Chase Sapphire Preferred for over 2 years now. We are under the 5/24 rule. Should I open a Chase Ink Business Preferred card (I do own a business)? And transfer the points over and eventually dump the sapphire preferred? Trying to accumulate points for a family Europe trip this summer. We currently have about 120k Chase points. Your post was very informative! Thanks.

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[…] out our guides to the big three transferable points programs: Amex Membership Rewards (this post), Chase Ultimate Rewards, and Citi ThankYou […]

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[…] award stays were made using points transferred from my Chase Ultimate Rewards balance. Check out this guide at Frequent Miler for more on how Ultimate Rewards […]

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[…] previously published complete guides to most transferable points programs, including Chase Ultimate Rewards, Citi ThankYou Points, and Amex Membership Rewards. Now that Capital One has added transfer […]

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[…] Chase Ultimate Rewards Complete Guide […]

tajar
Guest
tajar

My wife has the Sapphire Reserve and Ink Business cards but she is not able to transfer UR between the Reserve and Ink, any idea why ? We just get a processing error, not user friendly message. Is that not allowed ?

Greg The Frequent Miler
Admin

It’s definitely allowed. She should contact Chase for help.

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[…] have focused more energy on earning Amex Membership Rewards points and Chase Ultimate Rewards than on earning Citi ThankYou points. I used up a bunch of ThankYou points over the past year and […]

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[…] In my opinion, Chase offers many of the best credit cards and the best signup offers.  They have a fantastic lineup of cards that earn Ultimate Rewards points.  Through these cards one can easily amass hundreds of thousands of transferable points through signup bonuses, and then continue to earn huge rewards by picking the right cards for the right type of spend (for example, pay your phone, cable, and internet bills with your no-fee Ink Business Cash card to get 5X rewards for these purchases).   You can read more here: Chase Ultimate Rewards Deep Dive. […]

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[…] but also with your transferable points: Amex Membership Rewards, Capital One “Miles”, Chase Ultimate Rewards, Citi ThankYou Rewards, or Marriott […]

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[…] transfer partners, but rather the ones where you’ll find easy value. See also our Complete Guide to Chase Ultimate Rewards for everything you need to know about earning and burning these valuable […]

Corinne
Guest
Corinne

Nick, please help me with the loop you mentioned when combining points. I have read and reread this post SO MANY TIMES, I feel so embarrassed, but I just can not understand the last part of the loop where you say this:
Suzy’s Sapphire Reserve—>Joe’s Freedom Unlimited
Can you explain this part in more detail? Maybe others are like me and are lost on this part… I just don’t understand why you would move points back into Joe’s Freedom Unlimited.
I am trying to do a similar transfer, in my case it is my husband’s Sapphire Reserve we want to pool points into.
We both have multiple personal and business chase cards, and I want to make sure I do this transfer very methodically as I have an upcoming usage for the points. Thank you so much Nick, I really appreciate all that you and this blog has taught me to help our family of 6 go on adventures!

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[…] to highlight sweet spot awards available through each of the transferable points currencies: Chase Ultimate Rewards, Citi ThankYou Rewards, and Amex Membership […]

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[…] For more about Chase Ultimate Rewards, I highly recommend reading this post: Chase Ultimate Rewards Guide. […]

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[…] a card owned by a household member or business partner.  They call this "combining points" (see: Combine Points Across Cards in our Ultimate Rewards […]

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[…] Chase Ultimate Rewards Complete Guide […]

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[…] Rewards may now be the most rewarding of all transferable points programs for credit card spend.  Chase and Amex still have Citi beat by a mile with respect to earning points via signup […]

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[…] access to Virgin Atlantic miles indirectly: Amex Membership Rewards, Citi ThankYou Rewards, and Chase Ultimate Rewards all transfer 1 to 1 to Virgin Atlantic.  And both Amex and Citi are known to occasionally offer […]

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[…] See also: Chase Ultimate Rewards Complete Guide […]

MAlMel
Guest
MAlMel

One thing I never see mentioned that has cost me a couple of times is that when using the portal, the payment comes across to the airline as form of payment “travel agency” ( Expedia). On my recent trip last week on UA, this cost me checked bag fees. Even though I used a UA card as payment in the portal, it is not recognized.

Luckily, I had just changed my AX Platinum travel credit airline for 2020 to UA and paid for checked bags with AX.

I never seem to find a good use of the portal.

rich
Guest
rich

“You can also use points to pay some merchants directly”. And yet on some sites (obviously non FF sites) some people are happy to do this.

Although in some cases people have more points than need. I knew a guy that had a few businesses and would churn expenses (legitimate) through American Express cards and ended up with tens of millions of points on American Express. He often just cashes them in for short flights on Southwest. Go figure 🙂

Thanks for the info.

CaveDweller
Guest
CaveDweller

A local BK place I TOAD him to get INK (United to Turkey) & SW loves them and all set ..Why do points if u Got’s Millions Take the $$$ and Go !!
CHEERs

Bret
Guest
Bret

@ Nik
I though I read/heard that you can’t self-refer? I have 1 Business with the old Ink Preferred and want to refer a second Business to one of the new Ink products to a referral bonus. Any experiences with that?

YoniPDX
Guest
YoniPDX

@Nick
( or @Greg @Steve )

Saw this right around the Lyft Pink, Door Dash AF increase rollout in the app but can’t find anything about it. (Also been sick and family last week+ so just catching up).

4th night free and late checkout and $30 off??? See ss in link

http://flic.kr/p/2iiBDyt