Year: 2023

  1. Bank of America has an annual promotion called “More Rewards Day” on a single day when all of your Bank of America cards earn an additional 2% cash back or 2x points on spend. It’s back again for 2023, and it’s scheduled for November 9.

    Last year it was very lucrative for some and frustrating for others because it was effectively capped only by your credit lines, but sometimes Bank of America’s fraud algorithms ran rampant like a rabid bunny with a Napoleon complex. As a result, Bank of America has limited rewards to $2,500 in purchases per personal card or corporate account this year.

    Now’s a good time to apply for Bank of America cards so that you’ve got them in-hand to hit minimum spend for November 9.
  2. Plastiq has a storied past with churners. Once upon a time it was one of the easiest platforms for no-cost or low-cost debit liquidation, but that slowly eroded into crapulence and then bankruptcy. Some highlights:

    – A great way to have scheduled tiny transactions in June 2021
    – Plastiq: The Zigening in March 2022
    – When IT and Promotions Fail Together in August 2022
    – Plastiq: A Slow Requiem in November 2022
    – Plastiq declares bankruptcy in May 2023

    They were acquired by Priority Technology Holdings in bankruptcy, and a few weeks ago a judge approved the new company’s bankruptcy exit plan.

    Plastiq’s background helps frame the news that they shared: Plastiq will be accepting American Express cards for payments starting in a few weeks. Knowing Plastiq, it’s not going to be implemented properly. Always be probing.
  3. American Express Offers has an offer for $200 back on $2,000 in spend through November 21, up to two times. So far it’s been seen on both the personal and the business Amazon cards, but likely exists on other cards too. (Thanks to Ragerz78)
  4. Chase Offers and BankAmeriDeals have an offer for 10% back on IHG purchases of $100 or more, up to $31 cash back through November 15. Yes, you can capture these without staying at a Holiday Inn Express. (Thanks to DoC)

Happy Wednesday!

Bank of America’s fraud algorithms personified.

Since today is Prime Day and Amazon is the easiest to deal with when working with buyer’s groups, it’s a good time tocheck those dormant WhatsApp and Telegram notification channels today and tomorrow. Just remember the golden rule with Amazon and buyer’s groups: Never use an Amazon gift card.

With that, it seems like everyone wants to have their own promotions this week which culminated in a few interesting deals:

  1. Capital One has $50 to $200 off of some flights booked through their travel portal this week. The level 201 play: Book in conjunction with a VentureX $300 travel credit and convert to a travel wallet or travel fund with your airline of choice, provided your airline of choice has such a thing. (Thanks to The_Most_Hye)
  2. Meijer MPerks has 10,000 points with $100 or more in Happy, Choice, and One4All gift cards through Saturday, limit one per account. Scale with multiple MPerks accounts.
  3. Chase Offers has $50 off of $250 or more in JW Marriott and W Hotel brands booked by October 31. Yes, you can find a way to use these without actually being #bonvoyed if you try. There are also targeted offers for Sheraton, Renaissance, Springhill Suites, and other Marriott brands, and ditto on the #bonvoyed thing. (Thanks to DoC, FM)
  4. American Express’s “offer week” is a lame attempt at generating buzz, but it has produced a few slightly useful offers (registration required):

    – $50 off of $100 at Dell through October 18, so you can have a pricier order canceled
    – $80 off of $200 at Hilton through October 13 for stays through the end of the year
    – $50 off of $200 at Lowes through October 13 for a store that sells gift cards, but not well
    – $60 off of $200 at Hertz through November 8 as a new target for correlation breaking

    Each requires enrollment either directly through the American Express offer week page or via your AmEx Dashboard.
  5. Rakuten has 10% cash back at popular merchants like Dell and Sam’s Club this week, and remember that 10% should actually be at least 11% cash back with Rakuten via the Membership Rewards backdoor.
  6. Do this now if you hold a Delta credit card: Register for a $100 Delta eCredit for booking a non-basic economy paid international flight by Friday for travel by March 24, 2024 with some black out dates around Christmas and New Years.

Good luck, and remember that if you don’t buy something, you saved 100%, or maybe 0%. It can be hard to tell, but either way you still have your cash.

Amazon sent this to the last guy that used a gift card to send a Kindle Fire to a buyer’s group.

Let’s start with a few reminders based on the current talk of the churning town, and why it might be all noise:

  1. American Express keeps adding restrictions and changing its language about sign-up bonuses on various cards, and it makes people stress out. Yes we’re all language lawyers, but when it comes to sign-up bonuses with American Express, ignore the terms and conditions about eligibility and instead pray to the pop-up gods.
  2. Chase keeps having big checking and savings account sign-up bonuses, but it continues to be a very risky play for a churner. The MEAB way: Just ignore Chase banking bonuses and move on unless you don’t care about the Chase credit card portfolio.
  3. The Chase United Business MileagePlus card has a 75,000 mile sign-up bonus with $5,000 in spend in three months. The $99 annual fee is waived the first year, which is I guess why people are excited. On the other hand, the Chase Ink Cash has a 90,000 Ultimate Rewards sign-up bonus and 40,000 point referral bonus with no-annual fee ever, and in conjunction with a a Sapphire or Ink Preferred card you can transfer those 90,000/130,000 Ultimate Rewards to United.

    I guess if you value two United Club passes for crackers and cheese cubes along with a free checked bag over 55,000 Ultimate Rewards, maybe it makes sense? I don’t get it but here we are.

And now for a couple of news items:

  1. Staples.com sells gift cards and while some of them are processed by BlackHawk, some of them are not, like this one. Those that aren’t do work for the American Express Business Gold card $20 monthly offiice supply credit.
  2. The Capital One Venture X card has a 90,000 point sign-up bonus after $4,000 in spend in three months, which is 10,000 points below the all-time high. It now has a 40,000 point referral bonus on many accounts though, so in two-player mode you can turn this into 130,000 points.

    This card has a $395 annual-fee and a less-gamable-than-it-used-to-be $300 credit for booking through the Capital One travel portal.
  3. The Chase Freedom Flex Mastercard has an increased sign-up bonus of $200 after $500 spend in three months and an additional 5x at gas and grocery on up to $12,000 spend in 12 months. (If you maximize both, this is effectively an 80,000 Ultimate Rewards sign-up bonus on a card that also awards 3x at pharmacies.)

    The $0 annual-fee either is or isn’t waived the first year, your choice.

Happy Monday!

Another “talk of the town” that I’m not meant to understand.

  1. Staples will have fee-free $200 Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    Yes it’s possible to split payment at Staples and take advantage of the new American Express Business Gold monthly $20 office supply store credit, but you may get some side-eye. (Thanks to GCG)
  2. The Chase Ink Cash and Chase Ink Unlimited cards have had a public 90,000 Ultimate Rewards offer for a few weeks, but it’s now also available via referral. The referrer bonus is currently 40,000 Ultimate Rewards, giving you a total bonus of [runs a program on a super-computer] 130,000 Ultimate Rewards in two-player mode.

    As usual, use a P2 link or another friend’s link to make their day if you’re going to apply. (Thanks to FM)
  3. Check your email for a targeted promotion from Visible for a free Orbic Myra 5G UW Smartphone. The email will have a unique promotion code and takes 100% off of the purchase price. Visible will unlock the phone after 60 days, and the resale value is well north of $200.

    If you’re not sure why this is here at MEAB, see Cell Phone Burners. (Thanks to Bork)
  4. Chase Ultimate Rewards has a targeted 25% transfer bonus JetBlue TrueBlue miles, but in general you really should think hard before transferring in because:

    – JetBlue miles are worth somewhere around 1.3 cents per point
    – Sapphire Reserve holders can book paid airfare at 1.5 cents per point
    – Sapphire Preferred holders can book paid airfare at 1.25 cents per point
    – Ink Preferred holders can book paid airfare at 1.25 cents per point
    – Award tickets don’t earn miles when flying
    – Paid tickets do

    On the flip-side, playing games like booking yourself an extra empty seat don’t work with the Ultimate Rewards portal, so do what makes sense. I think the bonus is only present if you’ve already linked your JetBlue frequent-flyer account to Chase before today. (Thanks to dontcelebrate)

The mathematical average of a Staples clerk’s look after being asked to split payment on 12 Business Golds.

  1. Kroger has a 4x fuel points promotion Happy, Choice, dining, digital content, and digital subscription gift cards. The interesting ones for a manufactured spender are the Happy and Choice cards, which can be converted to popular bulk-resale brands like BestBuy and Home Depot. Currently the resale markets are seeing:

    – Bulk gift card volume slowing
    – Fuel point demand that feels insatiable

    This promotion runs through October 17. (Thanks to GCG)
  2. WeBull has a tiered sign-up bonus for opening a new account and transferring stocks or cash through October 30. They’ll pay transfer fees of up to $100 and a bonus based on the incoming asset values. The interesting tiers:

    – $100,000 account value: $1,200 bonus
    – $500,000 account value: $3,000 bonus
    – $1,000,000 account value: $5,000 bonus

    I like these a lot because you can typically ACATS transfer an existing retirement or brokerage account over without actually selling or buying stocks, which your money can continue to be invested as-is without a tax impact, but with a cash-bonus kick. This one excludes IRA transfers though. (Thanks to Welcome Offer)
  3. Office Depot/OfficeMax has a promotion for $15 back on $300 or more in Visa gift cards in-store running through Saturday, limit 10. As usual:

    – Try for multiple transactions back-to-back
    – Look at the Everywhere cards for lower fees if you can liquidate them
    – Link your credit cards to Dosh
    – Look for a Chase Offer for 8-10% back at Office Depot
    – Multiple sets in a single transaction may work out nicely

    And new for this promotion, make sure you’ve enrolled any American Express Business Gold cards for their new monthly $20 office supply store statement credit. (Thanks to DoC)

This A-CAT’S asset transfer won’t count for the sign-up bonus. Trust me.

  1. The American Express Business Gold card has been revamped:

    – Annual fee increased from $295 to $375
    – $20 credit per month at GrubHub, FedEx, or office supply stores
    – $12.95 Walmart+ monthly credit
    – Two new 4x categories effective immediately: transit and wireless credits
    – Two 4x categories removed effective on February 1, 2024: airfare and shipping
    – Specific computer hardware and software 4x is now: general hardware, software, and cloud computing
    – Also, and probably the most-least important thing: rose gold colored cards are available

    This is good news for those of you playing with a four letter fintech. (Thanks to Jacob)
  2. It’s been almost four days since Delta did a devaluation, so guess what they decided to do for funzies? Good guess, another devaluation.

    Economy awards from South America to and from Asia have increased from 60,000 to 100,000 SkyMiles, and Southeast Asia to and from East Asia have increased from 17,500 to 22,500 SkyMiles. No doubt there was a devaluation in other cabins for the same regions too, stay tuned like the masochist that Delta wants you to be. (Thanks to TeddyH)
  3. Alaska Airlines has a paid and award sale for travel between October 17 and February 15, 2024 booked by tomorrow evening. There are some great options like:

    – West Coast to Hawaii: 7,500 miles
    – West Coast to Mexico: 7,500 miles
    – Transcontinental flights: 10,000 miles
    – Short-haul domestic flights: 4,500 miles

    I’m even seeing good availability around Thanksgiving, Christmas, and New Years, which is exactly the opposite of what Delta would do.
  4. American Express Offers has an offer for 20,000 Membership Rewards with $1,000 or more in spend with AirFrance/KLM. There’s always a play, right? (Thanks to Rich and TeddyH)
  5. AirFrance and KLM’s FlyingBlue has a new set of promo rewards for October. Houston, Chicago, and San Francisco flights are all included in the promotion, in addition to several other easily accessible cities in North America like Mexico City, Cancun, and Montreal.

The head of Delta SkyMiles revenue management celebrates the Wednesday five-pack in the most Delta way possible.

  1. American Express has a few nice card-linked offers:

    – Thompson Hotels: $60 statement credit after $300 in spend by December 15
    – Park Hyatt Hotels: $150 statement credit after $750 in spend by December 15
    – Kimpton and Intercontinental Hotels: $75 statement credit after $300 in spend by December 31
    – Small and Luxury Hotels: $100 statement credit after $300 in spend by December 31

    The holidays tend to make these slightly easier to game than normal. (Thanks to berkstud14)
  2. Capital One Shopping has targeted increased cash-back bonuses at GiftCards.com. We’ve seen 4%, 6% and 9%, and I suspect there are other offers too. The website and mobile apps usually don’t have the same offer, so check both.

    Also, note that terms and conditions now specify that “orders over $2,000” are not eligible for cash back, and it’s currently unclear as to whether that number is inclusive of fees. (Thanks to Brian M and Joshua)

Happy Tuesday friends!

Want another Tuesday double? This, erm “life-hack” has your back.

  1. The Citi Shop Your Way Rewards card, a MEAB Unsung Hero, sent out targeted spending offers for Q4. Each of these offers is good once per month for October, November, and December:

    – $70 after $600 or more in gas, grocery, and restaurant spend
    – 10% back on between $600 and $700 or more in gas, grocery, and restaurant spend
    – 10% back on between $700 and $800 or more in gas, grocery, and restaurant spend
    – 15x ThankYou Points on $1,200 or more in gas, grocery, and restaurant spend
    – $200 after $1,200 or more in gas, grocery, and restaurant spend
    – $200 after $2,000 or mroe in gas, grocery, and restaurant spend

    For those who suck at math, the best of these offers is $600 over three months or 48,000 ThankYou Points over three months. This spend will stack with any other Shop Your Way offers linked to the card, because sometimes Citi’s IT isn’t completely broken and does something right. (Thanks to DC Domer, Ben, BB_Pcola, birt, FlashStash, and Adam)
  2. There are two deals conspiring to make Virgin Atlantic booking really cheap, and a Delta or ANA award slightly cheaper:

    – Chase Ultimate Rewards has 30% transfer bonus from to Virgin Atlantic through November 15
    – Virgin Atlantic has 25% off of award flights on their metal for travel through the end of the year booked by tomorrow

    Virgin Atlantic has high fuel surcharges on their own flights to London-Heathrow, so I think of these as cash with a mileage surcharge tickets (“pay regular premium economy ticket prices, use a few miles, and get business upper class”) as opposed to the traditional milage with a cash surcharge ticket.
  3. The United MileagePlus shopping portal has a 500 bonus miles promotion after $150 or more in spend through October 8. Yes, giftcards.com is on the United MileagePlus portal, why would you ask?
  4. Chase’s Pay Yourself Back categories have been extended through December 31. If you’re not sure why anyone would ever do this, then perhaps you have more runway to earn points than you’ve previously considered. Yes, transferring to some programs or booking travel through the Chase portal can net you a higher return, but also there are only 365 hotel nights a year and a few dozen or so business class flights that you can reasonably fit into the same time period.
  5. The Barclays AAdvantage Aviator Red card has a 75,000 AA miles sign-up bonus split into two parts:

    – 60,000 points for making a single purchase in 90 days
    – 15,000 additional points for adding and authorized user and making a single purchase in 90 days

    The $99 annual fee is not waived the first year. This card is also interesting because after you’ve put some decent spend on it, Barclays will typically let you product change to the AAdvantage Aviator Silver card which offers a credit for $25 per day in AA in-flight purchases and a companion pass that’s good for two companions.
  6. Meijer has $10 off of $150 or more in Mastercard gift cards purchased in-store through Saturday. As usual, scale with multiple MPerks accounts, and consider travel to Meijer land if you’ve got the liquidation bandwidth to scale this deal.

The manufactured spend points earning runway is long, but not infinite.