{"id":4728,"date":"2013-06-19T08:52:48","date_gmt":"2013-06-19T14:52:48","guid":{"rendered":"https:\/\/worldwanderlusting.com\/?p=4728"},"modified":"2013-06-19T08:52:48","modified_gmt":"2013-06-19T14:52:48","slug":"reader-question-about-getting-to-costa-rica","status":"publish","type":"post","link":"https:\/\/worldwanderlusting.com\/?p=4728","title":{"rendered":"Reader Question About Getting to Costa Rica"},"content":{"rendered":"<div>\n<div>\n<div id=\"attachment_4732\" style=\"width: 233px\" class=\"wp-caption alignright\"><a href=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/IMG_1961.jpg\"><img aria-describedby=\"caption-attachment-4732\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-4732\" alt=\"costa rica waterfall\" src=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/IMG_1961-223x300.jpg\" width=\"223\" height=\"300\" srcset=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/IMG_1961-223x300.jpg 223w, https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/IMG_1961-764x1024.jpg 764w, https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/IMG_1961.jpg 1935w\" sizes=\"(max-width: 223px) 100vw, 223px\" \/><\/a><p id=\"caption-attachment-4732\" class=\"wp-caption-text\">La Fortuna Waterfall, Costa Rica<\/p><\/div>\n<p>One of my friends sent me an email yesterday about <span style=\"color: #ff0000;\">wanting to take his family to Costa Rica<\/span>. \u00a0Who doesn&#8217;t want to visit a beautiful country with delicious food? Not sure, because I sure do. Eating casados and spending time on beautiful beaches is something I definitely don&#8217;t do enough.<\/p>\n<p>We want to help him take his family there as well. \u00a0Worldwanderlusting wants everyone to visit Costa, Europe, Asia and more.<\/p>\n<p>Because it is likely some of you are in the same boat, I thought I&#8217;d share the question and my answer with everyone:<\/p>\n<\/div>\n<\/div>\n<blockquote>\n<div>\n<div dir=\"ltr\">\n<div>Like a total noob (I&#8217;ve always avoided extra credit cards and when I finally thought I&#8217;d get one, I got duped into bank of amerca&#8217;s travel &#8216;rewards&#8217; program). I ended up racking up a stupid balance (nearly $2500) on a card which is essentially unusable. I thought I&#8217;d be able to apply my points earned towards a ticket, but what they don&#8217;t tell you up front is that the points aren&#8217;t redeemed like that and so i have 29,000 worthless points.<\/div>\n<div>Anyway, I want to transfer my balance from this card to one where I can actually gain travel miles to use for a trip to costa rica on spirit airlines (which is the cheapest).<\/div>\n<div>What do you recommend? The best case scenario for me would be to:<\/div>\n<div>a. transfer my balance to a lower interest card<\/div>\n<div>b. have immediate bonus miles on signup that can be applied to a ticket<\/div>\n<div>What are your recommendations? It doesn&#8217;t matter if I have to pay an annual fee.<\/div>\n<\/div>\n<\/div>\n<\/blockquote>\n<div>\n<div dir=\"ltr\">\n<p>My first recommendation is to <span style=\"color: #ff0000;\">quickly pay the balance on the card.<\/span> \u00a0Even though there are options listed below that defer the interest for up to 15 months, I would not recommend carrying a balance on your card. \u00a0Paying high interest rates can quickly erase any bonuses or points earned on the card.<\/p>\n<p>Here are my suggestions on what he looks at to help lower the overall cost of his Costa Rican Vacation with his family.<\/p>\n<\/div>\n<\/div>\n<p>1.\u00a0<a href=\"https:\/\/worldwanderlusting.com\/frequent-flier-miles-credit-cards\/\">US Airways World Mastercard<\/a>, which is issued by Barclaycard. \u00a0They offer:<\/p>\n<div>\n<ul>\n<li>30,000 Bonus miles with first purchase<\/li>\n<li>10,000 Bonus miles with your balance transfer<\/li>\n<li>$89 Annual Fee<\/li>\n<li>$10 or 4% for the balance transfer, but then offer 0% interest for 15 months.<\/li>\n<li>30,000 with the card to redeem to Costa Rica Round Trip (unfortunately you must book both the coming and going ticket when booking the flight. \u00a0They don&#8217;t allow for one way redemptions. (See Below) \u00a0It shows a 35,000 requirement, but having this card lowers the redemption by 5000 miles, which equates to the 30,000. \u00a0You might have to be flexible when finding the flights because it sometimes can be hard to find the &#8220;Low&#8221; award availability.<\/li>\n<li>3% foreign transaction fees<\/li>\n<li><a href=\"https:\/\/www.barclaycardus.com\/apply\/Landing.action?campaignId=1695&amp;cellNumber=36\">Here is a link that I found that offers 35,000 with the first purchase and waives the $89 annual fee<\/a>, but I can&#8217;t guarantee its performance.<\/li>\n<li>Bottom Line: This is the best option for your balance transfer (You&#8217;ll make up the 4% in roughly 3 months), and a single round trip ticket on US Airways.<\/li>\n<\/ul>\n<p><span class=\"Apple-style-span\" style=\"color: #000000; font-weight: bold;\"><a href=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/Picture-6.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-4729\" alt=\"flight miles redemption\" src=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/Picture-6.png\" width=\"930\" height=\"252\" srcset=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/Picture-6.png 930w, https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/Picture-6-300x81.png 300w\" sizes=\"(max-width: 930px) 100vw, 930px\" \/><\/a><\/span><\/p>\n<dl class=\"wp-caption aligncenter\" style=\"width: 940px;\">\n<dd class=\"wp-caption-dd\">US Airways Redemption Chart<\/dd>\n<\/dl>\n<\/div>\n<div>\n<div>\n<div>\n<p>2.\u00a0<a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/spirit-airlines-credit-card.go\">Sprint Airlines World Mastercard<\/a>\u00a0which is issued by Bank of America. \u00a0They offer:<\/p>\n<div>\n<ul>\n<li>15,000 Bonus miles with first purchase<\/li>\n<li>$0\u00a0Introductory Fee for the first year. After that, your Annual Fee will be:$59\u00a0for World MasterCard accounts<\/li>\n<li>$10 or 4% for the balance transfer, with a 16% interest rate roughly<\/li>\n<li>Redemption varies depending on when you could go. \u00a0They don&#8217;t have their &#8220;off-peak&#8221; options available anywhere that I can find, but the award chart varies depending on your flight origination and the destination. \u00a0<a href=\"http:\/\/www.spirit.com\/content\/documents\/en-us\/awards_chart_2011.pdf\">Here is an old chart showing their awards<\/a>.<\/li>\n<li>3% foreign transaction Fees<\/li>\n<li>This card\u00a0<a href=\"http:\/\/creditcardforum.com\/blog\/spirit-airlines-credit-card\/\">hasn&#8217;t received raving reviews<\/a>\u00a0from the redemption of the miles.<\/li>\n<li>Bottom Line: \u00a0This card hasn&#8217;t received great reviews based on redemption, and I can&#8217;t even find their &#8220;off-peak&#8221; calendar anywhere around. \u00a0The Balance transfer interest rate is really high, but it offers on annual fee the first year. \u00a0It would be the best if flying out of one of the Florida locations to SJO because it requires less miles than flying out of many other locations.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div>\n<p>3.\u00a0<a href=\"https:\/\/worldwanderlusting.com\/frequent-flier-miles-credit-cards\/\" target=\"_blank\">Barclaycard Arrival<\/a>\u00a0which is issued by Barclaycard. \u00a0They offer:<\/p>\n<div>\n<ul>\n<li>40,000 Bonus miles after spending $1000 on the card within the first three months of card membership.<\/li>\n<li>$0\u00a0Introductory Fee for the first year. After that, your Annual Fee will be $89<\/li>\n<li>$10 or 4% for the balance transfer, with a 16% interest rate roughly<\/li>\n<li>Fly on any airline and save up to $400 total<\/li>\n<li>NO foreign transaction Fees<\/li>\n<li>Bottom Line: \u00a0This card is the easiest for redemption because you can pick any airline without restrictions. \u00a0It waives the annual fee, but doesn&#8217;t give you a great interest rate on the balance transfer. \u00a0It would also be great for your time in Costa Rica as they offer no foreign transaction fees.<\/li>\n<\/ul>\n<div id=\"attachment_4730\" style=\"width: 650px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/costa-rica-129.jpg\"><img aria-describedby=\"caption-attachment-4730\" decoding=\"async\" loading=\"lazy\" class=\"size-large wp-image-4730\" alt=\"Trip to Costa Rica\" src=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/costa-rica-129-1024x768.jpg\" width=\"640\" height=\"480\" srcset=\"https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/costa-rica-129-1024x768.jpg 1024w, https:\/\/worldwanderlusting.com\/wp-content\/uploads\/2013\/06\/costa-rica-129-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><p id=\"caption-attachment-4730\" class=\"wp-caption-text\">Costa Rican Countryside<\/p><\/div>\n<p>In an ideal world you could:<\/p>\n<\/div>\n<div>\n<ol>\n<li>Get both the US Airways and the Barclaycard Arrival for yourself at one time.<\/li>\n<li>Book one ticket on the reward redemption with US Airways for one of your children.<\/li>\n<li>Then use the Barclaycard to subsidize $400 of the rest of you on the same flight offered by US Airways.<\/li>\n<li>By flying with US Airways you avoid the baggage fees that you would face with Spirit airlines.<\/li>\n<li>Better yet, your wife could do the same thing by getting both cards, which would make the trip kuffin cheap!<\/li>\n<\/ol>\n<p>You would be out:<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<ul>\n<li>$89 Annual Fee for the US Airways Card x2 \u00a0 \u00a0 \u00a0 \u00a0 = $178<\/li>\n<li>4% of $2500 for the balance transfer \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 = $100<\/li>\n<li>Award Redemption Fees \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0 Roughly $100<\/li>\n<li>Charges above $400 for the other two \u00a0 \u00a0 \u00a0Roughly $200<\/li>\n<li><span style=\"color: #ff0000;\">Grand Total for 4 to Costa Rica \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0$678<\/span><\/li>\n<\/ul>\n<p>As always, we really want you to take good care of your credit. Make the decisions based on your situation and what is best for you. \u00a0If you have more questions about your credit, check out our <a title=\"How Credit Works\" href=\"https:\/\/worldwanderlusting.com\/getting-started\/how-credit-works\/\" target=\"_blank\">What About My Credit Page.<\/a><\/p>\n<\/div>\n<div class=\"zemanta-pixie\" style=\"margin-top: 10px; height: 15px;\"><a class=\"zemanta-pixie-a\" title=\"Enhanced by Zemanta\" href=\"http:\/\/www.zemanta.com\/?px\"><img decoding=\"async\" class=\"zemanta-pixie-img\" style=\"border: none; float: right;\" alt=\"Enhanced by Zemanta\" src=\"http:\/\/img.zemanta.com\/zemified_e.png?x-id=745c7f0f-c8c3-4dc5-8c80-3bab134f8187\" \/><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>One of my friends sent me an email yesterday about wanting to take his family to Costa Rica. \u00a0Who doesn&#8217;t want to visit a beautiful country with delicious food? Not sure, because I sure do. Eating casados and spending time &hellip; <a href=\"https:\/\/worldwanderlusting.com\/?p=4728\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[597,1051,11,12],"tags":[456,1243,738,124,249,1886],"_links":{"self":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/4728"}],"collection":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4728"}],"version-history":[{"count":0,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/4728\/revisions"}],"wp:attachment":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}