Spirit Airlines has officially ceased all operations, marking the first major U.S. carrier liquidation in roughly 20 years — and if you have tickets or Free Spirit miles, you need to act fast. In this episode, we break down exactly how to get your money back, which airlines are offering relief fares for stranded passengers, and what the bankruptcy process means for your loyalty points. We also cover the Chase Sapphire Reserve's best-ever publicly available welcome bonus, a limited-time IHG credit card offer worth up to 185,000 points, and a Lufthansa mileage purchase deal for first class enthusiasts. Plus, we flag an important shift in Chase Points Boost redemption rates that could affect how you use your Ultimate Rewards points going forward.

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