Month: May 2023

  1. Kroger has an in-store 4x fuel points promotion on third party gift cards and fixed value Visa and Mastercard gift cards running today only. There are scalable plays in these sales, and sometimes happy accidents too. Always be probing.

    Kroger used to sell US Bank gift cards, then switched to Pathward, and now seems to be switching back to US Bank, double check what you’re getting when you buy.
  2. Kroger online has 5% off of Visa and Mastercard fixed value gift cards through Tuesday with promo code FIVE2023. The real win here is that these purchases earn fuel points, if you’re not going to use those in some way this isn’t a deal because you’re not getting special coding.

    These are US Bank gift cards.
  3. The American Express personal Green card has a historically high sign-up bonus available directly and through referral link for 60,000 Membership Rewards after $3,000 in spend in six months, but you’ll also get 20% back on travel and transit purchases for the same time period with a maximum statement credit of $200.

    Pre Dodd-Frank this was a great card to sign-up for, get the sign-up bonus, and then upgrade to a Gold or a Platinum immediately thereafter for another bonus. Now though, consumer cards can’t have an increased annual fee in the first year, so no upgrade is available until year two. It remains a way to slowly build a stable of Gold cards though after the first year. (Thanks to DoC)
  4. Staples has fee free $200 Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction. As always, try and run multiple transactions back to back to minimize your time at Staples stores.

    These are Pathward gift cards so have a liquidation plan in place.

A stable of American Express Gold cards located somewhere in a Kroger parking lot.

I’m sure you’ve heard that United “MASSIVELY” devalued its award ticket prices in a “disappointing“, “heartbreaking“, “major” way yesterday. Yes, it sucks, and yes you should be unhappy about the situation. But, events like this are unfortunately the most predictable occurrence in travel hacking, even more so than Frontier having another failed dartboard route or LHR imposing punitive premium cabin surcharges. We know that it’s going to happen.

One of the most interesting pieces of advice I got as an adolescent was from an investment banker with a brand new Jaguar. As 15 year old grocery clerk me loaded groceries into his trunk, he said “If you can’t make a profit when you absolutely know something is going to happen, then I don’t know what to tell you”. He was completely right and the advice is sound (he was talking about death by the way, you know, upbeat and stuff like all investment bankers).

For travel hacking, we might have to stretch the definition of profit a bit when we apply the logic to award bookings, but we can do it. Here’s how we “make a profit” when we know a devaluation is going to happen:

  • Book early, book often – if there’s a devaluation, already issued tickets don’t go up in price and most award tickets are refundable for no-fee or for a very small fee
  • Keep your points in a flexible program like Ultimate Rewards or Membership Rewards until the moment you need to book
  • Book with alliance partner miles when prices are lower
  • Don’t let your points balances grow into seven figures and beyond, and especially don’t let that happen in multiple programs (I failed here, big time)
  • Focus on cash back once you’ve got enough points for the current booking window’s trips (it turns out cash is fungible)

Happy Thursday!

Next up: Determine whether this is a devaluation. Actually never mind, I don’t care.

  1. Do this now: Register for Hyatt’s Journey Across Canada promotion for 2,000 bonus points per stay on up to 10 stays between June 1 and September 6. They really missed the mark on naming this one, I mean, “Maple Milestones”, “Poutine Points”, and “Loonie Lodgings” are all right there for the taking.
  2. Southwest has a 25% discount for paid and award holiday travel from July 3 through July 7, booked by the end of day today. Use promo code J4SAVE.

    The real question we should be asking is whether or not Southwest flys to Canada to combine the above promotion with this one? Alas, I guess we’ll never know because we’re not going to try after Hyatt’s stupid promotion name spoiled the whole thing.
  3. Citi ThankYou Points is running a 25% transfer bonus to AirFrance/KLM FlyingBlue through June 17. Use this program for:

    – Domestic economy on Delta
    – Business class to and from Europe
    – Short haul within Europe

    And, don’t forget about the program’s rotating promo awards.
  4. Check this link for a targeted upgrade to the business American Express Platinum card from the Gold or Green with 140,000 Membership Rewards after $10,000 in spend in three months. (Thanks to FM)

Hyatt’s Maple Milestones challenge coin (which doesn’t exist, but absolutely should).

  1. JetBlue has an award ticket sale of 20% off for bookings completed today for travel through June 21. It does exclude transatlantic and Mint redemptions though.
  2. Office Depot/OfficeMax stores have $15 off of $300 or more in Visa gift card purchases in store through Saturday. For best results:

    – Link your credit cards to Dosh
    – Try for multiple transactions back-to-back
    – Try for the lower fee Everywhere cards, assuming you can liquidate them
    – Experiment with bigger stacked bonuses

    These are Pathward gift cards and are throttled for PIN transactions at $480 in aggregate per store per six minutes generally.
  3. The Wyndham Business Earner card’s sign-up bonus has been increased to 75,000 bonus points total, 50,000 after $3,000 in spend in three months, and another 25,000 after $10,000 spend in the first year.

    This card is largely (in)famous for it’s (1) 10% rebate on award stays, and (2) 8x earning at gas stations, which are both reasons that this one’s probably an Unsung Hero candidate. (Thanks to Rob)
  4. The Citi Shop Your Way Rewards Mastercard, already an Unsung Hero, has sent a new round of offers for online spend by June 14. Offers we’ve seen:

    – $30 statement credit after $500 in spend (MS Ninja)
    – $50 statement credit after $750 in spend (me)
    – $70 statement credit after $1,000 in spend (Jacob M)
    – 225,000 bonus Shop Your Way points after $570 in spend (Sollavec)
  5. Some Hy-Vee stores have $30 off of $500 Mastercard gift cards in store starting tomorrow and running through Tuesday (ok, technically it’s $10 off of $150 but it stacks). Check your local Hy-Vee ad to see if your store is participating, and if so go ham. (Thanks to jerseyguy195)
  6. American Express has an (apparently targeted) transfer bonus from Membership Rewards to Cathay Pacific Asia Miles running through the end of the month for between 10% and 20%. To see if you’re targeted, you’ll need to login and navigate to the transfer page.

    Asia miles have good access to alliance award tickets before other partners, but their cancellation policy isn’t as generous as US carriers. (Thanks to DoC)
  7. Citi added Accor Hotels as a ThankYou Point transfer partner at a 2:1 ratio, which matches Capital One’s transfer ratio.

A different kind of deluge.

My physicist brain wants to turn everything into a simple model that may or may not map well to reality. For manufactured spend it usually does though, and analogues with the physical world help too.

To illustrate, let’s set your way back machine to your high school physics class (assuming you were cursed with one) and recall the basic, simplest formula for calculating the velocity when you’ve moved some distance in some other amount of time:

speed = distance / time

Now, translate that into a formula that we should live by:

profitability = earnings / time

The profitability of a play isn’t a simple milage count or a sum of cash, unless we’ve got unlimited time. Because we don’t, doing something that earns 1% but takes 30 seconds should beat something that earns 5% but takes 20 minutes assuming infinite scalability. Of course not everything is infinitely scalable, so perhaps you can do both with the time you’ve got. But, if you’re making a trade-off, do consider that a 1% play can beat a 5% play.

Happy Monday!

No, I never had this shirt. Yes, I always wanted to make one.

  1. Remember yesterday’s heightened Hilton bonuses? Well, they’re now available by referral too so you can collect a referral bonus in addition to the sign-up bonus with another player in the mix.

    Additionally, another link surfaced in several places for the business card for 180,000 points after $2,000 in three months and another $8,000 within six months. This link is obviously a higher initial bonus but doesn’t include the initial free night certificate which makes it much less appealing than the other link for me. That said, if you don’t need the certificate maybe this one makes sense. We’re all adults here right?
  2. FM reports that Lyft now supports pre-ordering rides for flight arrivals at LAX, ORD, and MDW, with more airports coming online in the future.

    This is barely a travel hack, but useful because when you pre-order your ride, you lock in a (presumably) non-surge price and you get to jump the queue of riders waiting after you land.
  3. There’s a new American Express offer for 20,000 Membership Rewards after $1,000 spend on Royal Caribbean Cruise Lines. Likely this offer will still work if you break the correlation which tends to be simple with cruise lines. (Thanks to Larry)

Ok, yes we’re all adults here but I guess that doesn’t always mean what I think it means.

First, a bit of unsolicited advice if you’re having problems with Citi and chargebacks: Send a them a certified letter. With that out of the way:

  1. The American Express Hilton Business card has a new sign-up bonus for 150,000 Hilton points and a free night certificate after spending $4,000 in three months. This is one of my favorite AmEx cards to churn, especially because you get a second and third free-night certificate at $15,000 spend and $60,000 spend respectively.

    So far this offer isn’t showing up via referral, but that may change in the next couple of days so if you can wait to apply I’d definitely give it a week to make sure you get the referral bonus too.
  2. The American Express Hilton Surpass personal card has a new sign-up bonus too, for 130,000 Hilton points and a free night certificate after spending $2,000 in three months. You can get an extra free night certificate on $15,000 spend with this one too, but I like this card a lot less – the bonus isn’t as good, there’s no $60,000 spend certificate and it takes up a 5/24 slot.

    This also doesn’t show up via referral, so sit on it for a few days too.
  3. Discover has a 15% bonus on airbnb redemptions with earned cash-back through the end of May.

    Since apparently I’m oversharing about what I like today, I like this one too for occasional airbnb stays and it beats the usual 5.687% cash back play.
  4. I know it’s obtuse, but we’ll have a post-mortem one day. In the mean time though, one of our favorite crypto plays has effectively stopped working for our favorite discount payment method, it’s not just you.

Happy Thursday!

When crypto goes bad.

Recently we’ve seen interesting developments in debit cards and mobile wallets, and also in retailer acceptance of mobile wallets. Always be probing, and remember mobile wallets open new opportunity because:

  • P2’s cards can be in P1’s wallet
  • Some rewards debit cards work with Apple Pay and Google Pay
  • Some gift cards work with Apple Pay and Google Pay
  • Some credit cards bonus mobile wallets
  • Mobile wallets obscure credit card numbers
  • Mobile wallets overcome certain types of blocks

Happy Wednesday!

Mobile wallets make it easy to choose P1 or P2, as can be seen from this high tech Google Pay app.
(Thanks to Chad for a screenshot from his HTC Dream)