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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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How I saved nearly $1,400 on a last-minute summer trip with a rental car
Stella is a full-time writer with expertise in credit cards, points and miles, and all things travel. She is a journalism graduate of the University of North Carolina, Chapel Hill and previously worked as a copywriter at JetBlue Airways and as a credit cards writer at LendingTree.
July 19, 2021 • 7 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
Booking last-minute summer travel can be costly due to high demand, especially for flights and rental cars.
Combining airline vacation packages with loyalty program points can yield significant savings compared to booking each component separately.
Vacation packages often allow travelers to bundle flights and rental cars or hotels at a lower total price.
Transferring points to hotel loyalty programs can provide outsized value, especially when cash rates are high.
What to consider
Always compare the total cost of vacation packages to booking flights, hotels and rental cars individually to ensure the best value.
Point transfers to hotel loyalty programs can sometimes deliver much higher value than using points for cash bookings, per TPG's valuations as of June 2024.
Some offers mentioned in the article are no longer available.
What you'll miss from the article
A detailed step-by-step breakdown of how to maximize savings by combining vacation packages, point transfers and cash bookings for last-minute travel.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
As a self-proclaimed travel expert, I’m the go-to person when my friends and family need help navigating the often-confusing world of points and miles. I’m usually asked what their next travel rewards card should be or which loyalty programs are best for getting maximum value.
This time around, my mom and brother asked me to help them plan a last-minute trip to Colorado. But there’s a challenge. Thanks to unprecedented levels of domestic leisure travel (that have even exceeded pre-pandemic numbers), it’s more expensive than ever to book a last-minute summer trip -- especially if you need a rental car.
While I’ve helped them open a few travel cards over the past few years, they’re still confused on the redemption side and how these newly acquired points and miles can unlock free travel. Let’s dig deeper into how I helped my mom and brother book their spontaneous end-of-summer trip, saving them nearly $1,400.
Consider vacation packages
It’s been over a year since most of us have traveled. If you’re feeling rusty, you’re not alone. One solution I’ve recently rediscovered is airline vacation packages. Offered by most domestic airlines, you can “package” flights and hotels (or rental cars) together at a considerable discount.
Not every trip will benefit from vacation packages, and it is always worth checking the price to book separately to see if you’re getting the best value possible. However, I found that a vacation package worked well in the case of my mom and brother, as they needed flights, hotels and rental cars, but individual prices were soaring through the roof.
My mom and brother live near Raleigh, North Carolina, so they currently have three options for flying nonstop to Denver from Raleigh-Durham International Airport (RDU): Frontier, Southwest and United. Ultimately, I decided that Southwest was the best option, since they’ll each get two free checked bags — perfect for bringing their hiking gear — and the flight times were favorable.
The Southwest Vacations website lets you package either a flight and hotel or a flight and rental car together. Since they’ll be driving through Colorado and are visiting multiple landmarks, I searched for their trip with the “Flight + Car” option — making a note to book hotels separately.
If booking the flight separately, I found the cheapest “Wanna Get Away” fare would be $238 per person, for a total of $476.
(Screenshot courtesy of Southwest)
On the rental car side, I conducted a quick search on Budget’s website, inputting the exact date and the desired car — an intermediate SUV. It cost about $1,000 with taxes and fees.
Meanwhile, I found that leveraging the Southwest Vacations package saved tons of money and time. If I had booked the flights and rental car separately, my mom and brother would have coughed up $1,477.74. Meanwhile, the Southwest Vacations package offered a total price of $1,163.87, saving them more than $300.
(Screenshot courtesy of Southwest Vacations)
Plus, my mom and brother will each earn 1,893 Rapid Rewards points and more than 2,300 Ultimate Rewards points (2x on travel by paying with the Chase Sapphire Preferred). According to TPG valuations, all of these points are worth $74.95. While this isn’t a significant return on investment, it’s not bad, since it’ll help them with their next redemption and help my mom reach her minimum spending requirement on her Sapphire Preferred.
Book hotels at Hyatt for maximum value
My mom and brother have ambitious goals during their five-night trip through the Rocky Mountains. Based on their itinerary, they want to stay in two different hotels in the Boulder and Montrose regions of Colorado.
Just like rental cars, hotel prices can be astronomical. But with points and miles, they snagged a great deal on rates without paying a fortune.
My mom opened a Chase Freedom Flex in September 2020 and the Chase Sapphire Preferred recently, with a current welcome bonus of 60,000 bonus points (after you spend $4,000 on purchases in the first three months from account opening). While she hasn’t reached the spending minimum for the Sapphire Preferred’s sign-up bonus quite yet, she still had 40,000 Ultimate Rewards points to burn from her Freedom Flex.
As a new (and proud) owner of the Sapphire Preferred, she’s able to get even more value by transferring her points from the Freedom Flex. That way, she can access Chase’s 11 airline and three hotel partners, including World of Hyatt, considered one of the most valuable programs out there.
For the first three nights, I booked the Hyatt Place Boulder/Pearl Street. Cash prices are through the roof — $564 per night for her desired travel dates. Meanwhile, I transferred 36,000 Chase points to her World of Hyatt loyalty account to get a terrific 4.7 cents of value. That’s almost triple TPG’s current valuation of Hyatt points at 1.7 cents each.
(Screenshot courtesy of Hyatt)
Booking the final nights with cash
The following two nights, they wanted to stay in Montrose. I found a solid property — the Hampton Inn Montrose.
(Screenshot courtesy of Hilton)
The cash price for two nights is $313.70, which isn’t terrible given it includes complimentary breakfast. I used her new Chase Sapphire Preferred to book the final two nights, which got her 2x on travel and that much closer to reaching the $4,000 spending minimum for the sign-up bonus.
How much did I help them save?
The chart below details the price of the flights, rental car and hotel nights if I had booked separately and how I actually ended up booking everything.
Travel
Individual price
How I did it
Price
Flights for two people
$475.92
Southwest Vacations package: Flights for two people and rental car (intermediate SUV)
$1,163.87
Rental car (intermediate SUV)
$1,001.82
Three nights at the Hyatt Place Boulder/Pearl Street
$1,692
Transferred 36,000 Ultimate Rewards points to World of Hyatt
In sum, a combination of leveraging a Southwest Vacations package, Ultimate Rewards points and cash helped my mom and brother save nearly $1,400 on a last-minute summer vacation — a staggering amount, given the heightened demand in domestic travel.
Bottom line
As you can see, there are still ways to snag some great deals this summer, especially if you’re booking last minute. It will certainly take more time (and patience) to examine all your options, but I highly recommend checking out airline vacation packages and point transfer opportunities for starters.
You may be able to save hundreds (or even thousands) of dollars on your flight, rental car and hotel, which are getting more expensive than ever as people are itching to travel again.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
