Your $795 or $895 annual fee just posted. Here's the order of operations: retention offer, product change, then close — and what each one costs you.
Ritz-Carlton Naples on Marriott Bonvoy points: real cash rates, dynamic award pricing, free night award math, and whether buying or transferring points actually wins.
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Four Seasons Hualalai runs $1,200–$4,000+ a night with no loyalty program. Here's the actual credit-and-portal stack that cuts the cost.
Four Seasons Maui at Wailea has no award chart. Here's the real math on how The Edit, FHR, and Preferred Partner cut the cash cost.
Full breakdown of the Westin Maui, Ka'anapali on Marriott points — real pricing ranges, 5th night free math, Amex Hotel Collection, and when to burn cash instead.
The actual redemption sweet spots live right now for business class, hotels, and the booking mechanics that determine whether you can book them at all -- with the math shown so you can judge value yourself.
Full 2026 Amex Platinum review after the $895 fee hike and refresh. New vs renewing verdict, credit-by-credit math, and where it beats the Sapphire Reserve.
The Amex Platinum's $25/month Digital Entertainment Credit plus the Walmart+ benefit can cover 4-5 streaming services for $0 out of pocket. Here are the exact combos I use every month — including the Apple TV+ backdoor most cardholders miss.
Business · ATL → Maldives
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The portal price is the one the bank wants you to take. There is almost always a cheaper way to the same seat.
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