Search Results for: bilt shut down

We’re in an extended period of Chase shutdowns that started a week ago, and while we don’t know the complete causes, related factors might be:

  • Heavy use at a manufactured spender fitness club
  • Earning a sign-up bonus at a manufactured spender fitness club or popular rebate site, even with light spending
  • Using Chase Ink card links that bypassed backend business approval logic

If you’re caught up in shutdowns, there are options to squeeze Chase back, not all is lost:

  • Call or write the Chase Executive office and open a case
    This is only likely to be fruitful if you’re shutdown for rewards abuse and don’t have heavy manufactured spend, or if you’re shutdown due to bust-out risk. For body builders, I don’t expect a ton of success here
  • Exercise the arbitration clause in your account agreements
    I’m not an attorney and I’m definitely not your attorney, so don’t take this as legal advice. I imagine that having a manufactured spend friendly attorney on your side couldn’t hurt though
  • Wait seven to ten years and you may find yourself back in
    Yes it’s a long time, but it’s not forever
  • Find new players
    Isolate addresses to avoid any contagion spread through
  • Try and open a Chase Private Client account in branch
    Wait six months to do it, and you’ll need $100,000 or more in assets typically
  • Pivot to other banks for cash, United, and Hyatt
    Bilt is an option. You weren’t using Ultimate Rewards for much else, I assume?

Fortunately there are thousands of banks and credit unions out there that offer credit cards that still want your business. Always be probing!

Squeezing Chase if Chase were a GM car.

EDITOR’S NOTE: No, it wasn’t anything to do with daylight savings time, it was the AM/PM thing with yesterday’s post. You can find it here if you never saw it once fixed. Actually, you can find it there whether or not you saw it once fixed.

  1. The Chase Hyatt cards have increased bonuses through March 6:

    – Personal: 35,000 points with $3,000 spend in three months plus 2x points on unbounded spend for six months, up to $15,000 spend
    – Business: 60,000 points after $5,000 spend in three months, and a Category 1-4 free night certificate after $15,000 spend in six months

    Both of these have some utility, but the business one is a clear winner if you can make use of a Category 1-4. I can always make use of them, but that doesn’t mean they’re not annoying.
  2. On Wednesday we discussed Choice Hotel devalued redemptions, and apparently that was an oopsie on Choice’s part, much like when Bilt accidentally sent shutdown letters to many of its cardholders that weren’t shut down.

    Prices were supposed to revert to normal yesterday, but some European and Asian properties have redemptions with half the regular points needed, so I guess we discovered the mythical loyalty program de-devaluation and ended up better than we were before. This is probably an accident to though, which (accidentally) seems to be Choice’s 2025 modus operandi.
  3. Giant Food, Stop & Shop, and Giant/Martins stores have 2x points on Vanilla Visa gift cards through Thursday, limit $1,500 – $2,000 per account depending on the chain. (Thanks to RabbMD)
  4. Wells Fargo has a $2,500 bonus for opening or upgrading to a Premier Checking account and bringing $250,000 in new assets within 45 days through February 25. Investment accounts and IRAs count, so you can ACATS transfer funds from another brokerage into a Wells Fargo investment account without a taxable event.

    Coincidentally, $250,000 in linked accounts is what you need to avoid monthly service fees too. (Thanks to DoC)

Have a nice weekend, and watch for tomorrow’s guest post!

Even Choice Hotel plumbers accidentally did their work.

Introduction

It’s time for MEAB’s annual New Year tradition! Before we jump in to the regular short-form blog posts that litter the ground like glitter in a stadium after a Taylor Swift concert: A recap of travel hacking and manufactured spend in the last year with the most sophisticated, Shakespearean, high-brow form of story telling known to the modern world (checks notes, furrows brow): Animated GIFs.

Previous versions of the New Years special:

The GIFening

Is it “GIF” with a hard G like “girl”, or with a soft G like “jiffy”? Obviously there’s a right answer, anyhoodles, let’s dive in with the intensity of the Spirit airlines stock price dive in November.

We started out January 2024 wishing for a Technotronic inspired aircraft livery at KLM, which frankly set the stage for 2024 in so many ways; 2024 was poised to be the best year yet, and Technotronic was bound to break the top 40 again.

Reality came fast and dashed our dreams though, with American Express telling us in January that 40 products would be retooled in the coming year, and that Technotronic hadn’t done anything new for over 15 years.

United raised the cost of Lufthansa First and ANA First redemptions, the latter doubling in price. That’s ok though, we can just fly business class, right?

Then we tried flying Lufthansa Business Class, and well, uh, this P2 says it best.

The Justice Department decided to block the JetBlue and Spirit merger.

Spirit Airlines executives react to the blocked merger, get ready to get back to work.

Southwest had its own crisis when Elliott Management became a majority shareholder and demanded major changes and new fees at Southwest. Probably in the name of altruism?

In the credit card space, the shrewd Goldman Sachs reacted to its massive Apple Card losses.

Based on language in the Terms and Conditions, it looked like the American Express Business Platinum $400 annual Dell credits would be going away at the end of 2024.

Then, we, uhhh, “celebrate” that they’re coming back in 2025.

On the other hand, churning Business Platinums and getting 99 employee cards with sign-up bonuses kept going all through 2024, marking more than three consecutive years of the employee sign-up bonus game.

American Express dropped a December surprise with the addition of $50 quarterly credits at Hilton properties on the Business Platinum card. It doesn’t move the needle, but hey, it doesn’t hurt.

Synapse collapses, leaving Yotta and Juno accounts in limbo and ultimately costing consumers than $85 Million in lost deposits.

In the first days after the Synapse collapse, community “experts” come out of the woodwork to tell us that no one is going to lose money based on solid evidence and “something something FDIC”.

Meanwhile, Bilt accidentally sent shutdown notices to many of its card holders, even though they weren’t shutdown.

Then Bilt’s VP of Rewards provided some of the best clues for a manufactured spend technique that many of his followers knew nothing about.

Chase opened new Sapphire Lounges which are some of the best lounges in the US, but then blew the goodwill by removing its Priority Pass restaurant benefit.

The biggest Buyer’s Group spenders spent 24 hours straight, awake in front of the computer on Black Friday.

Travel hackers made their first transfer of Membership Rewards to Alaska MileagePlan via the Hawaiian airlines integration.

American Express sees massive restaurant spend after floosies learn to cycle millions while dining out, decides to take action.

The American Express Gold card gets a $50,000 annual dining 4x spend capacity, and AmEx executives rejoice.

They also instituted a one million Membership Rewards cash-out annual cap at 1.1 cents per point on the Schwab Platinum card, and they called us names while doing it.

SideshowBob233 (pictured in costume) reacts to churners on his flight that have Chase deposit accounts.

Mesa executives wait for sufficient time to pass between a bad MEAB post and their impending launch.

MEAB (pictured on the right side) at a travel hacking conference meets other bloggers.

A churner finds a way out of pop-up jail.

And after getting out of pop-up jail, the churner realizes it may be repeatable.

MEAB does another math post (or two), tries to show off.

We rode high on cash-back debits in early 2024.

A few of those plays died, but we found workarounds, we just needed to think outside the box.

Kudos raced with shopping portals for payouts.

Virgin Atlantic became relevant with the introduction of the Virgin Credit card and its perks, some payment fun, and the introduction of dynamic pricing.

Critics review MEAB.

SAS announces a promotion to earn a million miles for flying on 15 different SkyTeam partners in Q4, travel hackers react.

SAS realizes people are taking their promotion seriously, and races to build its SkyTeam integration with quirky airlines.

Readers try and follow the hints in MEAB wisdom posts.

Botting several key deals made the money flow.

Tallying Carl’s 2024 earnings, prolly.

MEAB’s P2 flies Lufthansa First class for the first time.

Pepper Saga Part I:
Getting unlimited 10% off of Walmart, BestBuy, and Sam’s Club cards (Q1-Q2).

Pepper Saga Part II:
Unlimited 10% stops working, but new, daily targeted promotions start working after a hiccup or two.

Pepper Saga Part III:
Gift card resale rates fall in slow motion due to oversupply.

Pepper Saga Part IV:
A pitch deck for new investors claiming a total addressable market of $6 trillion, approximately 23% of the US GDP.

Pepper Saga Part V:
The company gives unlimited 20% off of Amazon and Walmart gift cards for a day and is probably nearly out of money.

Pepper Saga Part VI:
A Q1 2025 preview (Probably)

Pepper Saga Part VII:
(space left intentionally blank)

“Seat 21A? I didn’t know first class went back this far.”

“Oh no.”

[4 and 1/2 hours later after touchdown in seat 21A]

2024 finally redeems itself when Technotronic rewrote “Pump Up the Jam” for Bob’s Burgers in late 2024, proving to us that Belgium’s flagship band still has a chance at a KLM livery.

Happy 2025 friends!

  1. Do this now: Register for your United MilePlay targeted promotion.

    I got “book and take a trip in a premium seat 1 time to get 5,000 bonus award miles” through September 13. Sounds great at first, but the fare must be $500 so it’s not that great.
  2. Do this now (if you didn’t yesterday because I bungled the link): Register for targeted AA promotions for miles or loyalty points. My offer was 5,000 bonus AAdvantage miles after two paid flights in any cabin in August or September.
  3. You’ve heard of Bilt, right? They are to credit cards what Marriott Bonvoy is to Loyalty Programs; sure there’s value to be had, but you have to wade through plenty of sludge and grime to find it. A few choice examples:

    – They’re actively seeking to bonvoy manufactured spenders
    – They’ve recently removed valuable transfer partners
    – They shutdown a bunch of their users, but didn’t actually, it was just an accident

    Well, they’ve found another way to #bonvoy their early adopters and presumably biggest fans: At the end of the year, they’re closing cards opened in 2021 and early 2022 issued under Evolve Bank, which, side note, leaked customers’ private data for funzies. Don’t worry though, they say if you apply by the end of August they’ll give you 10,000 bonus points, so it’s all cool right? No, not right. At least you can lock all of your credit reports, apply and get denied, and still earn 10,000 points. (Thanks to pizza42bob)
  4. Staples stores have fee free $200 Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards.
  5. Chase’s no annual fee Marriott Bonvoy Bold card has a sign-up bonus of 60,000 points and a 50,000 point free night certificate after $2,000 spend in three months.

    I think there’s a niche for this card, specifically if you don’t spend many nights in Marriott Hotels but occasionally need them when nothing else is available. I fit this bill, but very much nothing else has to be available.
  6. Chime has a $301 or $318 portal sign-up bonus for new customers that apply through the end of the month and have two direct deposits (or “direct deposits”) of $200+ in 30 days. (Thanks to FM)

Have a nice weekend friends!

Better alternative to Marriott Courtyard: No $39 parking fee and no $59 resort fee on free night stays.

EDITOR’S NOTE: ⚠️Warning! Your subscription to MEAB is cancelled effective immediately due to rewards abuse⚠️ (Just kidding, that was Bilt, and they were apparently just kidding too)

  1. Kroger stores have a 4x fuel points promotion on third party gift cards and fixed value Visa and Mastercards running through April 23.

    The fuel points market is currently slightly depressed, but if you can hold them for a few weeks you’ll probably get better rates. Kroger account shutdowns are largely a thing of the past with good account hygiene and keeping balances well below six figures.
  2. There’s a new free churning called CardRight that tracks sign-up bonuses, card eligibility rules, when you can close a card without clawback, current card offers, and similar features related to card churning.
  3. H-E-B Stores have a $10 H-E-B gift card with the purchase of $50 or more in Home Depot or Lowe’s gift cards. Scale with multiple H-E-B accounts. (Thanks to GCG)
  4. Yes, there have been scattered reports of big retention offers for Business cards at American Express, and we’ve been hearing them in quasi-private forums for several weeks; no, we don’t know a way to be targeted if you’re not already targeted. Either way though, you should always be checking for retention offers and comparing those to new sign-up bonuses before accepting.

Happy Thursday friends!

Bilt company party invitation preview just dropped.

  1. The only thing more predictable than upcoming late-night show jokes about Boeing 737 manufacturing quality jokes is a regular transfer bonus to AirFrance/KLM FlyingBlue. This one is a Chase Ultimate Rewards 25% transfer bonus through April 30.
  2. Office Depot/OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday, limit 10. As usual:

    – Try for multiple transactions back-to-back
    – Link your credit cards to Dosh
    – Try even multiples of $300 for a chance at a better deal
    – Don’t forget your monthly AmEx Business Gold $20 office supply credits
    – The

    These are Pathward gift cards which often have a liquidation limit of $480 per six minutes per retailer merchant account. (Thanks to GCG)
  3. Yes, Bilt is losing AA in June as a transfer partner and now has Alaska. Yes, everyone wrote tons about it, yes it’s news. Yes, it sucks if you’re shutdown by both Citi and Barlcays because Bilt was a viable path to AA earning. No, it doesn’t warrant dozens of paragraphs of digital ink.

    For west coast travelers this is probably neutral news, but for everyone else it’s slightly negative, at least until AA devalues their award prices.
  4. The Citi Shop Your Way Rewards Mastercard has had a predictable cadence of spend offers for the last six months or so: the first offers are sent on the 1st of the month, and the second are sent on the 15th. Since the 15th just passed, we have a new round:

    – 7,500 Bonus ThankYou Points after $750 or more in online purchases
    – 250,000 Bonus Shop Your Way points after $1,000 or more in online purchases
    – 200,000 Bonus Shop Your Way points after $750 or more in online purchases
    – $70 statement credit after $1,000 or more in online purchases
    – $50 statement credit after $750 or more in online purchases

    (Thanks to Ben, David 99, Roberto, and TV)
  5. Heightened offers for Delta cards are available during trip checkout, and each includes a $400 statement credit after a single Delta purchase:

    – Personal Gold: $400 statement credit and 50,000 SkyMiles after $3,000 spend in six months
    – Personal Platinum: $400 statement credit and 70,000 SkyMiles after $4,000 spend in six months

    I had to try two different browsers to get the increased offer to appear during checkout. You don’t need to actually book a ticket. (Thanks to DDG)
  6. Chase Offers has 10% back on up to $650 in spend at Hilton properties through March 31. (Thanks to FM)
  7. Meijer has two good deals for manufactured spend, especially if you scale with multiple MPerks accounts:

    – 37,500 points with $250 in third party gift cards (excluding Amazon and phone cards)
    – $10 off of $150 or more in Visa gift cards

    Meijer sells both Pathward and Sunrise gift cards

Have a nice Monday!

Inspecting Boeing’s 737-MAX9 door plug fix on an award flight booked with bonus FlyingBlue miles.

  1. Do this now: Register for Wyndham’s new promo, 7,500 bonus points for two nights stayed through May 13. You can earn the bonus up to a whopping two times, for a total of *checks supercomputer* 15,000 bonus points. (Thanks to FM)
  2. Putting a nice bow on one of the worst Februaries on record for devaluations, shutdowns, and general #bonvoyness, ANA is devaluing its award chart for tickets booked on or after April 18.

    For better or worse, this is inevitable as the paid price of tickets increases with inflation and with spend based mileage earning, so eventually the mileage program will necessarily bow to inflation too. You can plan for that though.
  3. Bilt has a new benefit: FlyingBlue Gold status for Bilt Platinum members who activate a status match, which requires 10,000 points transferred to FlyingBlue during the activation. This will be a recurring Bilt yearly benefit, at least until they decide that its not.

    The main benefits of FlyingBlue Gold are lounge access on international SkyTeam airline tickets like Delta, and for free checked bags on the same airlines. You no longer get access to book La Premier awards with Gold status though, so the value is marginal at best.
  4. Kroger has a 4x fuel points promotion on sports betting gift cards through March 19, which as far as I’m aware is a new type of fuel points promotion.

    Sports books provide a good outlet for manufactured spend volume in states that allow it, but it comes with a big set of gotchas too. Typical plays involve mainline arbitrage across multiple sites and playing through all funds at least once. (Thanks to GCG)

MEAB running super-computer simulations for maximizing point earning.

  1. Kroger is having another 4x fuel points promotion on third party gift cards and fixed value Visa and Mastercard gift cards Friday through Sunday.

    – Digital coupon for third party gift cards
    – Digital coupon for fixed value Visa and Mastercards

    The fuel points market isn’t as high as it was in the roaring 2021s, but it continues to adapt and recover nicely. Good fuel points brokers are assuming shutdown risk immediately or within 24 hours, so choose wisely my friends. (Thanks to GCG)
  2. I don’t cover things that I think aren’t worth your time, which is why you won’t see anything about $2,500 sign-up bonus for a bank account that requires $200,000 in new funds to be locked up for 90 days and pays 0.15% in interest; it just doesn’t make sense to waste time reading about something like that when you can easily earn 4-6% on those funds with existing savings or money market accounts.

    This philosophy means I almost never talk about Bilt, but I’m going to make an exception today because 2x everywhere for Hyatt points is definitely above the line: The first of every month is “rent day”, and you earn 2x on general spend on the Bilt Mastercard for up to $10,000 on rent day. Unfortunately today doesn’t coincide with the Kroger 4x promotion, but I guess you can’t win ’em all.
  3. Do this now: Register for Wyndham’s summer promotion for stays through September 5 booked by August 31:

    – 5,000 bonus points on two night stays
    – 10,000 bonus points on three night stays
    – 15,000 bonus points on four night stays (or longer)

    Wyndham cardholders can earn a bonus twice, non-card holders once.
  4. The Citi Shop Your Way Rewards card, once a Sears co-branded card, has a new targeted spending bonus:

    – 90,000 Shop Your Way points for $300 in travel spend, once per month for each month between June and December for a total of 630,000 points (!)

    Sears famously didn’t win them all either. (Thanks to birt)

Sears showing that you can’t win them all in the most Sears way possible. (Thanks to Kyle for the picture)