Today, MEAB features a special guest who will respond to each news item: Your annoying Uncle Kyle that always seems to have a take that’s tangential to reality but not grounded in reality. Why? Practice my friends, practice – because you probably only see Kyle at Thanksgiving and Christmas and it’s time to gear up.

  1. Southwest flights are now bookable through the Chase travel portal, but only Wanna Get Away and Wanna Get Away Plus fares.

    Kyle’s response: WGA+ fares as a 1.5 cent per point booking with low friction means that brokering of Southwest flights is going to skyrocket. Watch out!
  2. Office Depot/OfficeMax stores have $15 off of $300 in Mastercard gift cards through Saturday, limit eight per transaction. As usual, link your cards to Dosh, liquidate your American Express Business Gold $20 monthly credits, try for multiple transactions back-to-back, and experiment with different purchase amounts.

    Kyle’s response: You’re waiting in line behind someone arguing about a $0.45 coupon at a store with staffing levels lower than the half-sized aisles of InkJet toner to buy a Mastercard with a Visa? Are you even listening to yourself talk?
  3. Chase Offers has 13% back on at least $50 and up to $307.69 in airfare booked by tomorrow. (No, I didn’t make that number up, why do you ask?) This is gamable in multiple ways.

    Kyle’s response: I haven’t known anything about gaming since Tetris, but you know that booking airfare means flying Southwest right? Their boarding process is a mass psychological experiment and you’re the subject!
  4. UPDATE: Dead! There have now been at least a half dozen reports of successfully transferring the pseudo Ultimate Rewards with a fixed 1.0 cent per point from the Ink Business Premier to real Ultimate Rewards accounts from other premium cards, but only by phone.

    It’s unclear if this is a bug or intentional, but either way the 150,000 pseudo Ultimate Reward sign up bonus for $10,000 spend in three months available in branch or perhaps via Green Star offers looks extremely attractive right about now, especially if you can earn it quickly.

    Kyle’s response: You know that those pseudo Ultimate Rewards points are how the government tracks your spend, right? Converting them to a variable value point throws them off because they can’t know exactly what you spent.

Have a nice Monday!

Kyle’s response: You do know Mondays suck, right? Everyone knows that because Garfield taught us. Stop being so chipper.

Even the Thanksgiving pie will be fed up with Kyle.

  1. Chase “green star” offers have returned with targeted increased sign-up bonuses for Ink cards:

    – Ink Business Premier: 150,000 Ultimate Rewards after $15,000 spend in three months
    – Ink Business Unlimited: $1,200 after $6,000 spend in three months

    To see the offers, click the hamburger menu (≡) in app or online, then click “Just for you”.
  2. Check your email for a targeted offer from Bilt for 1,000 bonus points on any charge at AT&T, Verizon, Sprint, T-Mobile, Comcast, Xfinit®, Spectrum, Spotify, Netflix, and Hulu using your Bilt Mastercard.

    The bonus caps out at 5,000 points, or *checks notes and runs a massive program on a super-computer* five merchants. (Thanks to DDG)
  3. Do this now (if you hold an AA credit card): Register for +1 miles and +1 Loyalty Points for AA charges made in the month of November.

    Can you game this? I don’t know, but I like your odds on this one.
  4. Safeway, Albertsons, Vons, and other Just4U stores have a coupon for 10x points on various gift cards, and even though they’re not explictly named, all of the Choose Your Card variety are currently earning the bonus.

    The best option that I know of is to convert to Lowes which has a resale rate of approximately 90%.

The MEAB supercomputer.

1. Chase Ink Business cards (Cash, Preferred, Unlimited, and Plus) have a targeted offer for 5x on Home Improvement Stores and Shipping, up to $10,000 spend per card. Visit chase.com/mybonus to see if you were targeted. My go-to for knocking this one out will be $500 Visa or Mastercards gift cards at Lowe’s. In case the generic page doesn’t work, you can try one of these specific ones which were pretty easily guessed:

Thanks to Reddit user TheSultan1 for the initial tip.

2. You probably know how I feel about the Chase Sapphire Preferred card (it’s a decent card, but way over-hyped and probably not the best option out there for most of you). So, you know that if I’m writing about it it’s probably worth taking a look, and now there’s a twist that indeed makes it worth a look: If you apply in branch, the annual fee is waived for the first year and you still get the 100,000 Ultimate Rewards sign-up bonus after $4,000 spend. Of course make sure you don’t hold a Sapphire card currently, you haven’t had a Sapphire bonus in the last four years, and that you’re under 5/24. Or just go for an Ink Preferred 100,000 offer and skip most of the nonsense, though you will pay the $95 fee.

3. Chase green star offers are back. As a reminder, these offers bypass the usual 5/24 and prior bonus restrictions. To see if you’re targeted, log in to your Chase online account, click the hamburger menu icon (☰) in the upper left, click on “Just for you”, and look for offers that have a green star or black star icon.

Personally, Chase punked me with my only green star offer. Oh how I miss the US Bank / TD Buxx cards.

The great Chase punkage of June, 2021.

Are you way above the Chase 5/24 rule *? There is a new round of widely targeted offers that bypass 5/24. To see if you’re targeted, log in to your Chase online account, click the hamburger menu icon (☰) in the upper left, click on “Just for you”, and look for offers that have a green star or black star icon. Those offers should bypass the usual 5/24 restrictions.

*In case you’re not familiar with it, the 5/24 rule says that you won’t be approved for a Chase credit card if you have five or more new personal credit card accounts from any issuing bank in the last 24 months.

A clear shot glass with the words "5/24 Cup" printed on the front.
The Chase credit card drinking game’s official mascot.
  1. Rakuten In-Store has 1% or 1x Membership Rewards on its card linked site for purchases at Food Lion on purchases of up to $1,000 per transaction. You’ve got 75 days after adding the offer to use it, and once you use it the offer remains valid for another hour. After that hour, you can add it again and start over. Complex much?

    You may be surprised to learn that Food Lion sells more than just food and lions too.
  2. Office Depot / OfficeMax stores have $15 off of $300+ in Visa gift cards through Saturday. For best results:

    – Buy in even multiples of $300
    – Look for the lower fee “Everywhere” variety if you can liquidate
    – Cry that Dosh is gone

    These are Pathward gift cards.
  3. The Future Debit card currently has a fixed $30 rate for Hertz rentals, any EV car and any US location with no end date specified using CDP code 2234544 and paying with your Future card (though I doubt the second part is necessary). They also have a targeted promotion for up to 100% back up to $35 in Future points with Hertz.

    Obviously gamers gonna game, but this time with a Cadillac EV for a week? (Thanks to DoC)
  4. Southwest has a promotion for double points earning for flights booked by today and flown by November 19. The terms and conditions are sneaky though, and it looks like this only applies to basic fares, which by the way are non-refundable and also travel credits from cancelled basic fares expire six months after booking.

    Apropos of nothing, Southwest hates puppies and kittens too.

Happy Monday!

Southwest Airlines glare, post puppy.

  1. The US Bank Triple Cash Rewards card has a $750 sign-up bonus after $6,000 spend in 180 days. The card has no-annual fee, or a negative annual fee if you’re a gamer. A few US Bank notes:

    – Hard pulls with US Bank will be combined in the same day
    – Different businesses can get the same card on the same day
    – The Leverage card pairs well with this one, and also has a $750 bonus

    For more about US Bank gaming, see this article.
  2. The American Express Schwab 1.1 cents per Membership Rewards point cash-out will be limited to the first million points per year starting October 1. Afterward, points will be cashed out at 0.8 cents each.

    You’ll still, as of this writing, have uncapped cash-out with the Morgan Stanley Platinum card at 1.0 cents, and American Express’s Business Checking cash-out is also at 1.0 cents each. Of course, brokers gonna broke and bypass the whole system. Mini #rant brewing for the near future. (Thanks to DDG and jnjustice)
  3. Do this now (if you hold a United credit card): Check for a targeted spend bonus for spend through July 30. Offers include TravelBank credit, PQPs, and miles.
  4. Do this now (if you hold United or Marriott status): Register for Marriott and United’s reciprocal earning promotion for stays or premium cabin flights:

    Marriott registration link (For Ambassador, Titanium, or Unobtainium status)
    United registration link (For Gold, Platinum, 1K, Global Services, or Moon Walkers)

    If you haven’t linked your United status to Marriott, you can link here, and vice-versa here. (Thanks to FM)
  5. The AirFrance / KLM FlyingBlue program has promo awards from the US to Europe in the following cities through the end of July: Atlanta, Denver, Dallas, and Raleigh Durham. There’s wide economy availability for the promotion, and spotty 50,000 point business class availability too.
  6. The Citi Shop Your Way Rewards Mastercard, the Larry Bird of credit cards, sent a few targeted offers:

    – 10% statement credit on up to $1,000 in travel and entertainment, monthly in 2024
    – $150 statement credit with $1,000-$1,999 in spend or $250 with $2,000+ at gas, grocery, and restaurants, monthly in 2024

    These offers stack together and with other ongoing offers from the card. If you maximized just these two, you’ve got [launches massively parallel calculation on a supercomputer] $2,100 in statement credits on a no-annual fee card. If your favorite credit card blogger never talks bout this card, ask yourself “why not?” (Thanks to Tyler, Jay, and Fish)
  7. Virgin Atlantic devalued its transatlantic business class Delta partner awards in two ways, first with approximately $1,000 in new surcharges and second, an increase of up to 55% mileage redemption cost with the introduction of a new variable award chart.
  8. The Turkish Airlines Miles & Smiles Visa card has been unveiled in the US:

    – 40,000 bonus miles after $3,000 spend in 90 days
    – 2x on dining, groceries, entertainment, and hotels
    – $99 annual fee, not waived the first year.

    I think the card is only interesting because it is issued by First Electronic Bank. When a bank you’ve never heard of issues a card, it’s usually a green light for shenanigans because (1) their systems are different than big bank systems, (2) smaller banks usually have interesting payment methods, and (3), if you’re shutdown by First Electronic Bank, literally who cares?

Warning sign posted at First Electric Bank’s headquarters isn’t the least bit creepy, why would you say that?

  1. Two incomm sites have fee-free gift cards on orders over $50 through Sunday:

    Mastercardgiftcard.com with promo code DADSDAY2024
    Vanillagift.com with promo code VGDADS24

    Both sites have limits of $10,000 per rolling 24 hours, and both don’t award points on American Express cards.
  2. Bank of America sent targeted mailers via USPS and email for +3x rewards for some of its Business cards, including Customized Cash Rewards cards and Business Unlimited varieties. After registering you’ll earn a bonus 3x on all spend in addition to normal earning in July, August, and September. Because Bank of America is Bank of America, the offer has no limit, and Preferred Rewards earning still applies to regular spending.

    I don’t want to sound hyperbolic (at least sometimes I guess), but this deal has the potential to be the 2024 deal of the year. I’ll personally be transferring as much credit line from other cards to my targeted card as possible.
  3. TheGiftCardShop.com has 10% off of multiple brand cards, including those that work at Lowe’s, with promo code DAD2024 through June 16. It’s limit one per account, but let’s just say some people have a few more than one account. This site also won’t currently award points on American Express cards.
  4. American Express’s generic personal Platinum upgrade link for Green and Gold cards is showing a heightened bonus of 50,000 Membership Rewards after $2,000 spend in six months. Why would you do this instead of getting a new sign-up bonus? Because you can stack it with retention offers and additional card spend bonuses.

    Because of the CARD act, you’ll need to have the card opened for a year before you’re eligible for the upgrade, though it’s widely targeted to cards that are older than that. (Thanks to Justin O)
  5. American Express referrals have increased bonuses for the referrer of up 45,000 Membership Rewards on some accounts.

    Always use another player or a friend’s referral link when you’re applying for a new American Express, unless of course some other non-referral 15x shenanigan is afoot.
  6. Staples has fee free Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards.
  7. Clear Plus has a sign-up bonus for a $100 rebate Choice card through the end of June using promo code TRAVELREWARD100. This is a great way to cash out American Express Platinum and Business Platinum $189 Clear credits, and beats the semi-regular Uber $75 voucher sign-up bonus too.

    You do have multiple email addresses and an unlimited supply of birthdays, right?

Bank of America’s executive corporate retreat tee-shirt, 2024.

  1. Hyatt sent targeted spending bonuses via email and in-app pop-up yesterday. Offers reported:

    – 1,000 – 1,500 bonus points for night multiples, up to 15-30 nights total
    – 20% back on award stays, up to 150,000 points spent / 30,000 points back
    – double or triple elite nights on up to five or ten nights
    – a free night certificate after a two or three night stay
    – double or triple points on up to 30,000 points earned

    Note that many of these require registration by June 6 and have a 90 day window for the promotion runtime, so it probably only makes sense to register the day before your first stay, as long as that’s before June 6. There is a collection of links here, but if you’re not targeted they won’t work.
  2. Southwest’s schedule is now open through March 5, 2025. On an related news item, if you book and board a Southwest flight, you’ll be flying Southwest so know what you’re getting yourself into. (Are they perfectly fine? I mean, mostly – but that’s not high praise.)
  3. The American Express Business Platinum card has a new 300,000 Membership Rewards sign-up bonus after $20,000 spend in three months. To find it, you may need to try all the gyrations:

    – Go incognito
    – Try different browsers, like Brave, Qikfox, Firefox, or Edge
    – Try both desktop and mobile devices
    – Connect to a VPN in various cities
    – Burn an old green employee card in effigy

    (Thanks to Heather)
  4. American Express has a new version of the Delta Reserve and Delta Reserve Business card that’s partially made out of the airframe of an old 747. Existing cardholders can request that version of the card by using the app’s “replace card” functionality, and if you’re not an existing card holder but you really want one, you can get one with AmEx and still be on good terms by either:

    – Applying for a new card, never hitting the sign-up bonus, and closing it within 30 days for no annual fee
    – Upgrading an existing card to a Delta Reserve without an upgrade bonus, getting the 747 card, then downgrading back to your existing card

    Of course if you care enough to run through all of this just for a card made out of an alloy that partially once had metal from a 747’s airframe, you’re an avgeek. Sorry, not sorry.
  5. Kroger online has 5% off of Visa and Mastercards with promo code SPRING24. I was only able to get this to work with physical gift cards, but I could get 10 total cards in a single order with the promotion applied.

    These are US Bank cards, and you’ll earn fuel points for the purchase too. It won’t code as grocery though.
  6. Staples stores have fee free $200 Visa gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards, so have a liquidation plan in place.
  7. Kroger stores have 4x fuel points promotion on fixed value Visa and Mastercards and third party gift cards, but this one is today only. (Thanks to GCG)
  8. Ramp Capital’s corporate charge card program has launched travel partner points transfers with a transfer ratio of 1 ramp point = 0.667 mile. Like the card’s flat 1.5x points per dollar earning structure, the travel partners are completely uninspired. I only bring it up today because reading a couple of sentences about it here will save you from reading a couple of pages about it on a dozen other blogs only to figure out that it’s probably not worth your time. (Thanks to sammyph200)

Have a nice weekend!

The room where it happened: Ramp Capital’s inspiration room for finding airline transfer partners.