Credit History – Revolutionizing Your Journey

Quick Hits: Chase Sapphire Refresh Rumors, a New Caribbean Resort to Book With Points, and More!

By Bakir Djulic | June 13, 2025

In this Quick Hits episode, DeAndre Coke dives into the latest updates from the world of travel rewards and points strategies. He covers listener feedback, highlights a new all-inclusive Hyatt resort in Saint Lucia, unpacks the devaluation of Iberia Avios, shares tips for upgrading to Emirates First Class without elite status, and revisits the ZilMoney payroll-on-card saga. He also breaks down rumors about significant changes to the Chase Sapphire Reserve and answers a listener’s question about building credit as a college student.

This episode provides timely guidance for maximizing redemption value amid changing reward structures and transfer ratios. DeAndre also shares personal insights on why booking all-inclusive stays with points can lead to outsized value—and how small booking details like guest count can make a big difference. If you’re managing your family’s rewards strategy or just starting to build credit, you’ll find plenty of smart, actionable insights packed into this week’s updates.

Key takeaways:

Chase IHG Certs Clarified: 60K certs cannot be topped off—unlike the 40K ones.
New Hyatt All-Inclusive: Secrets Saint Lucia Resort is now bookable with points.
Iberia Avios Devaluation: East Coast to Madrid redemptions increase by 19%.
Emirates Upgrade Workaround: Non-elites can still upgrade at check-in using miles.
ZilMoney Update: Payroll on credit card may return by end of June.
Sapphire Reserve Rumors: $795 fee and new travel and dining benefits may be on the way.
Building Student Credit: Capital One SavorOne Student is a solid early credit card option.
Authorized Users & Credit History: Adding children to fee-free cards can help build long-term credit.