Month: March 2024

  1. Do this now: Register for Radisson’s spring promotion for 10,000 bonus points for every four nights stayed through May 31.
  2. Do this now: Register for IHG’s spring promotion for 2,000 bonus points for every two nights stayed in April or May.
  3. Wells Fargo launched the Autograph Journey card with a 60,000 point sign-up bonus after $4,000 spend in three months. Points are worth 1 cent each, and the $95 annual fee is not waived for the first year. The card also includes a $50 annual airfare statement credit.

    MEAB mini-review: Earning points on an ongoing basis isn’t easy without access to specific merchant coding, the hotel transfer partner is Choice which is already available with Capital One and Citi, and the airline transfer partners are widely available in other places too. It’s another bank to churn and therefore still interesting, and Wells Fargo is historically pretty abusable; but, you can do better with ongoing spend at other banks. On an arbitrary scale of 0-34, I’d give this a solid 18.
  4. Stephen Pepper notes that Wyndham points can be purchased for 0.93 cents each through April 21. Wyndham only allows 100,000 base points purchased a year, but under this promotion you can net a total of 200,000.

    These points typically resell at above 1 cent per point which, if nothing else, should tell you that the markets think this is a great deal and the only reason I’m writing about a points sale.

Have a nice Thursday!

The Wells Fargo Autograph Journey exclusive launch mug.

Introduction

American Express terms and conditions for new credit and charge card applications famously don’t tell the whole story about whether or not you’re eligible for a bonus. Instead when applying for a card there are just a few rules: If you get a pop-up telling you that you’re not going to earn a bonus during an application, you’re not going to get it. If you don’t get a pop-up, you will. If you get pop-ups on most or all of your applications, you’re in the colloquial “pop-up jail”, or PUJ as we’re collectively calling it.

American Express’s Current Inmate Count

We’ve seen a significant increase in pop-up jail incarcerations in 2024, presumably related to American Express’s concerns about its ability to maintain record profits in exactly the way that Boeing can’t. To quantify this to an (only partially scientific) extent, I used churning.io to search for the number of occurrences of “PUJ” on reddit.com/r/churning in several time periods:

Month“PUJ” Comments
Jul 20233
Aug 20236
Sep 20237
Oct 202339
Nov 202325
Dec 202342
Jan 202478
Feb 202454
Mar 2024 (month to date)70
The pop-up jail trend according to frequency analysis on reddit.com/r/churning

Yes there are measurement errors and biases in this methodology. But also yes, there’s a trend that emerges and matches the general sense in the community that jail is becoming more common.

Breaking Free: Alt

The main method to break out of pop-up jail is to spend a lot on American Express co-branded cards, like a Delta card, Hilton card, or Marriott card. Yes – I understand that “a lot” is rather qualitative, but I’ll quantify it slightly by saying you should be spending well into five figures a month for this method to be likely to succeed.

But, let’s get to the whole point of this post, the alt method:

To get out of pop-up jail, close all of your cards with American Express, wait 90-ish days, then start-over like you’re a new customer.

– MEAB’s tome of apocryphal wisdom

Let’s call this one the “apocryphal sneak-attack” to go along with the related sneak-attack strike back. Good luck, and happy Wednesday!

A different kind of pop-up jail, courtesy of Microsoft.

  1. Citi ThankYou Points has a 25% transfer bonus to Avianca Lifemiles through April 13.

    Avianca has a quirky award chart with plenty of hacks, but my favorite easy hack is to tack an economy flight on to the end of a one way itinerary to make the whole thing price lower. (Thanks to TheSultan1)
  2. American Express Offers has a new offer for a $300 statement credit after $2,000 spend through June 16.

    Note that if you have to cancel one of these tickets because reasons, Virgin Atlantic can be hard to deal with and may require multiple phone calls to chase it down. (Thanks to TeddyH)
  3. Kroger stores have a 4x fuel points promotion running tomorrow through April 2 on third party gift cards. If you use this as an opportunity for AmEx manufactured spend, find a way to separate your purchases from even dollar amounts, especially those around $500, $1,000, etc. (Thanks to Will)
  4. Do this now: Register for your targeted United MileagePlay offer. This one wasn’t the usual “Spend X on overpriced domestic first and get Y miles”, but was instead:

    – 400 miles for making a purchase with MileagePlusX
    – 400 miles for dining with MileagePlus dining

    I won’t be bothering with either for what is effectively $4.40. Hopefully you get something more exciting. (Thanks to FM)
  5. Air Canada has a 15% off paid fare sale for international flights from Canada and also for flights from the US to Canada with promo code PZEEXY91 for travel through December 13 booked by April. (Thanks to DansDeals)

Have a nice Tuesday!

A promo that unfortunately didn’t make the cut.

  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.

EDITORS NOTE: In 2024, I’ve introduced Guest Post Saturdays. If you’re interested in contributing, please reach out! Today’s guest post is from a new travel blogger but seasoned financial hacker, Graham, who offers a unique insight in many aspects of the hobby. His prior post on applying churning to changing jobs can be found here and should probably be required reading for any churner switching W-2 jobs.

Traveling for work doesn’t need to be a break-even operation. There are plenty of won’t-get-you-fired tricks to earn a little extra personal return when jet-setting your way to Lubbock Texas to get your barrels cleaned at Scrub-A-Dubb Barrel Company. Here are a few that I’ve found:

  • Meeting Credit Card Sign Up Bonus Spend: Many companies allow you to put corporate travel spend on a personal card, and then reimburse that expense. This is one of the ways I meet my minimum spend requirements for sign up bonuses. I consistently manage to get a few thousand dollars of spend per trip (mostly from hotel stays, occasionally from having the privilege of expensing team dinners).
  • Loyalty programs: Many companies will allow you to put your personal hotel, airline, and rental car loyalty program numbers on work reservations. If your company uses Concur, you can even add those programs to your profile and have them automatically added when you book travel. If your personal travel portal doesn’t support adding the program during booking, you can usually add it after the fact on the provider’s website.
  • Credit Cards Offers: If you can put corporate travel on a personal card, you can take advantage of offers from your bank for spending money at a given company. The more cards you have, the more offers might be available. Instead of looking through the offers on every one of my cards individually, I use offer.love to look up the hotel and rental car companies I’m considering using. After filtering by companies that meet my requirements and are within corporate policy, I pick the one with the highest offer. For example, right now Hertz has a $90 back on $350 offer at Amex and Westin has $98 back on $980 at US Bank.
  • Promotions Directly with Travel Companies: Companies periodically offer promotions directly on their website. For example, Marriott is currently offering 1k points and 1 elite night credit per night and United has a Mile Play promotion offering me 2,900 points for taking one flight. I always make sure to add these promotions to my account before booking corporate travel. 
  • Amex Corporate Advantage Program: If you have an Amex corporate card, you might be eligible for Amex’s corporate advantage program. This program lets you save on your personal card annual fees. You save $150 on the Platinum Card, $100 on Gold, $75 on Green, and $50 on Blue. The sign up bonuses when signing up through this program are terrible (eg. a Platinum card comes with an 80k point bonus through this program vs the 150k points you can easily get by opening the application page in incognito mode), however, you can link an existing card to the corporate advantage program after you’ve already opened your card. Just talk to a customer service representative using the chat support option, and they can add it in a few minutes. The fee discount won’t work on the first year’s annual fee if you do this, but it will apply in every subsequent year, making it perfect for cards you intend to keep in your wallet over the long term.
  • Combining Work and Personal Travel: Not all companies allow this, but my company’s travel policies explicitly allow combining personal and work travel. Say, for example, I am traveling from New York to California for work, and I want to go to Hawaii for vacation afterwards. Rather than booking a round trip work trip from New York to San Francisco, and then a round trip personal trip from New York to Honolulu, I’m allowed to book a New York to San Francisco to Honolulu work trip. My company’s policy requires our travel agents to price out the work-only option and the work + personal option, and I only pay the difference. This can often net out to hundreds of dollars of savings when doing personal travel in the vicinity of a work destination.
  • Corporate Discounts and Promotions for Personal Travel: Every company has access to various corporate perks for personal travel. For example, my company gives me access to United’s Break from Business discounted fares. We also have status match offers with United and Delta available internally, which are better than the public ones (eg. the public United status match is valid for 120 days, vs our internal one is valid through January 31st 2025). We currently also have access to a promotion to earn Explorist status with Hyatt. We also have a ton of discounts on rental cars, flights, and hotels through fond.co. It’s worth taking a poke around your company’s internal wikis / slack / mailing lists to see what kind of benefits you have for personal travel.

While corporate travel can be personally profitable, I should add a few notes of caution:

  • Know the Policy; Stay Within It: Odds are that your job pays orders of magnitude more than the tricks I’ve outlined in this post. These tricks are allowed at my company, but may not be allowed at yours. For example, some companies require all business expenses to be put on a corporate card, if you have one. Getting fired for violating your corporate travel policy to earn a couple hundred bucks would be a very bad return on investment. So make sure to read and understand your corporate travel policy, and never do anything you wouldn’t be comfortable explaining to your director / VP / CEO / misc. corporate overlord.
  • Beware the Cost of Messing Up Reimbursements: Many of the tricks above rely on putting corporate travel expenses on a personal card. If you mess up and forget to submit one expense (or it gets rejected; see point above), it might outweigh all the personal gains from your trip and put you in the red. Make sure you have a reliable system for tracking and submitting your expenses before putting work expenses on a personal card.

About the Author

I love understanding systems, and optimizing for the best outcomes within the rules as implemented (rather than as written, which is a distinction all churners should be keenly aware of). This love has led me to a career in cyber security, to churning, and also to a general obsession with optimizing all things finances. I’ve recently turned that last point into a blog where I write posts like this one (with many more in the pipeline). If you’re interested in that kind of content, there’s a subscribe box at the bottom of the blog.  And if you think I’ve missed something, gotten something wrong, or should write future posts on a particular topic, please drop me a line.

– Graham

Yes, cruise ships have morticians. Side benefits include free travel and reimbursable expenses.

Let me start today with a bit of advice: It’s easy to register for 5x promotions, and it’s also easy to hit all your spend in a single day. It’s also easy to assume that you’ll do it and then never get to it. So, consider setting aside a single day in early April to hit all your quarterly 5x spend so that you can focus on bigger, better deals.

  1. Do this now: Register for Chase Freedom and Freedom Flex Q2 5x categories. This time: Restaurants, Whole Foods (which sells many types of gift cards), and hotels.
  2. Do this now: Register for Discover IT Q2 5x categories. This time: Gas stations and home improvement stores, both of which sell many types of gift cards; also public transit.
  3. Do this now: Register for Citi Dividend Q2 5x categories: This time: Grocery stores and drug stores, both of which typically sell many types of gift cards.
  4. Do this now: Choose your US Bank Cash+ Q2 5x categories. I always choose utilities and electronics stores, the latter of which typically sells many types of gift cards.
  5. Giant, Martins, Stop and Shop, and Giant Food stores have 2x points on Vanilla Visa gift cards through Wednesday, limit $2,000 in spend per account, no registration required.
  6. Virgin Atlantic has a promotion for 50% off the mileage cost of award tickets booked by Wednesday for travel through June 30 for travel on Virgin Atlantic metal. This doesn’t reduce the often substantial surcharges that go along with the tickets. (Thanks to DoC)
  7. American Express offers has two new interesting card-linked offers:

    – $50 off of $250 or more in spend at several IHG brands through June 15
    – $150 off of $750 or more in spend at the Four Seasons through July 11 (if they do string matching, Four Seasons Total Landscaping may also work)

    Gamers gonna game. (Thanks to DDG)

Have a nice weekend friends!

Not this kind of nose dive. (too soon?)

Cards like the American Express Gold and Platinum famously include monthly Uber and Uber Eats credits. (Incidentally, the food is famously sketchy too, partially because it doesn’t travel well and partially because randos without food handling permits are often the delivery people.)

Here’s a question though, what happens when you’ve used your January Uber credits in the middle of the month but still have an upcoming ride? The answer is give yourself a loan on April’s credits:

  • Pay for your Uber ride (like a sucker)
  • Wait until April 1
  • Open the trip details in the Uber app
  • Change your payment method to your April credits (like not-a-sucker)

The change payment trick only has a 30 day look-back, so your ability to borrow on future credits is limited, but certainly non-zero.

You spend so long trying to figure out if you could borrow Uber Eats credits that you never thought about where or not you should borrow Uber Eats credits.

Credit card agreements are full of goodies. The goodilooking for holes in what the Terms and Conditions say, for example by navigating Citi’s T&Cs, we discover a way to earn multiple Citi Premier bonuses back-to-back.

Consider though, that Terms and Conditions also provide a roadmap for where to go looking for new manufactured spending opportunities by virtue of telling you what sorts of transactions may not be eligible for earning points. American Express’s boilerplate says something like:

Eligible purchases do NOT include: fees or interest charges; purchases of travelers checks; purchases or reloading of prepaid cards; purchases of gift cards; person-to-person payments; or purchases of other cash equivalents

Next time you’re looking for new opportunities, look to your card issuer for ideas.

Happy Wednesday!

Navigating the landscape by flipping your view.