Do this now: Register for Hilton’s Q1 Promotion for 2,500 bonus points per stay from January 1 through May 1.

1. The PenFed Pathfinder Visa credit card has a new targeted offer for a $150 statement credit for adding an authorized user by December 31.

What’s that? You haven’t heard of this card before? Well, I’m not terribly surprised. The card hasn’t exactly achieved Unsung Hero status, but still probably worth your attention because:

  • The card has effectively a $425 sign-up bonus (50,000 points at 0.85 cents each)
  • The card gives a $100 airline incidental credit every year
  • The card has effectively no-annual fee (the $95 annual-fee is waived every year as long as you have a free PenFed Access America checking account)
  • The card has offered multiple spending bonuses this year (like $50 back after spending $500)
  • The card is churnable
  • You can hold multiple Pathfinder cards simultaneously

Everyone can join PenFed for $5, and PenFed is an excellent target for shenanigans.

2. The HMBradley 3.0% APR bank account is going to require that you hold the HMBradley credit card to continue to qualify for 3.0% APR on up to $100,000 starting on February 1, 2022. (Thanks to chooseyourusername17)

As an alternative high-yield option, you may want to consider a Series I Savings Bond, which will pay at minimum of about 3.56% APR, and probably quite a bit more. Free-quent Flyer has posted an excellent in-depth article with more information.

3. Check your Marriott Bonvoy account for new targeted promotions. There have been multiple reports of earning opportunities for free-night certificates, like this one.

4. Get ready to plan your summer travel because the next Southwest Airlines schedule extension is expected today and it will cover most summer travel, with an extension through September 5. There are two reasons this is interesting:

  • On many routes, the cheapest fares sell-out quickly, so booking early will typically get the best price
  • Southwest will probably tweak their schedule for far-away flights and let you change to any other flight on the same route ± two weeks for no-additional charge; so book the cheapest flight you can find in that window and wait for a likely schedule change to switch to the flight you want

Good luck out there.

Sample path available to PathFinder Visa cardholders (and non-PathFinder Visa cardholders too, but they have less fun.)

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