Month: June 2024

  1. Citi ThankYou Points has a transfer bonus to Cathay Pacific Asia Miles through July 20. Asia Miles are useful for several reasons, generally the biggest of which is early access to oneworld partner award space.
  2. The Chase Ink Preferred card has an online offer for 120,000 Ultimate Rewards after $8,000 spend in three months.

    Despite conventional wisdom, you can get multiple Ink Preferred cards in a year. My preferred cadence is quarterly. (Thanks to kevzho)
  3. Enterprise Car Rental has a status match for just about any airline, hotel, or rental car loyalty program, with status lasting through the end of February 2026. Enterprise status is unique compared to most rental car programs in that it offers confirmed upgrades at booking to elites.
  4. Giftcards.com is showing 2x or 3x on most airline portals as of this writing. This is especially useful for two reasons: (1) It’s a good way to hit shopping portal bonuses, and (2) it’s a good way to hit AA Executive Platinum status.

    These are Pathward gift cards.

Happy Tuesday friends!

A churner shows off his Enterprise elite status.

  1. Do this now: Register for Q3 credit card bonus categories, for spend between July 1 and September 30:

    – Discover IT: 5% back at Walmart and grocery stores, up to $1,500 spend
    – Citi Dividend: 5x on gas, up to $6,000 spend annually
    – US Bank Cash+: Select 5% and 2% categories, up to $2,000 spend on 5%
    – Chase Freedom and Freedom Flex: 5x on gas, EV charging, live entertainment, and movie theaters, up to $1,500

    Q3 is full of soft-balls for hitting spend, both for online floosie spenders and for in-person spenders. Take the Speedway to Walmart Neighborhood Market for the quickest route on the latter.
  2. Chase Ultimate Rewards has a 20% transfer bonus to Air Canada’s Aeroplan program through July 31. This is a good bonus if you’re booking Star Alliance awards, but like a seasoned manufactured spender views deals worth less than $100, it feels a bit 🤏 compared to the recent Bilt 150% transfer bonus.
  3. The Citi Shop Your Way Rewards card, alternatively named the “5% of a lawyer’s annual salary in bonuses” card, sent mid-month spending bonuses on Saturday. We’ve seen:

    – 200,000 points after $750 in online spend
    – $50 statement credit after $750 in online spend
    – $70 statement credit after $1,000 in online spend

    For the first time since last June, I didn’t receive a mid-month spend bonus, so I’m officially declaring a nationwide state of June-gloom. (Thanks to MS Ninja, birt, and Adam)
  4. Most American Express Delta cards have increased sign-up bonuses that are at a relatively local maxima, but the bonus is still not amazing compared to historical versions so they haven’t shown up here. However, one card bucks the trend:

    The American Express Delta Gold has a $500 statement credit and 40,000 SkyMiles after $3,000 spend in three months, and the annual fee is waived for the first year offer that shows up during on the checkout page of a (dummy) flight booking. In this case, it’s probably an all-time best bonus, but unfortunately it’s not available via referrals and I doubt it’ll show up there too. (Thanks to AbjectRaise)
  5. The Barclays AAdvantage Aviator card has a 70,000 AA mile bonus after making a single purchase and paying the $99 annual fee payment in the first 90 days.

    There’s also a targeted 60,000 miles + 10,000 miles for the referred and an additional 10,000 miles for the referrer offer floating around for those operating in Mario+Luigi (two player) mode. (Thanks to DDG)

MEAB pouts.

  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.

Bank account and brokerage bonuses have been a staple of the churning diet since before churning was called churning. In the era of ZIRP (Zero Interest Rate Policy), sign-up bonuses of $200-$300 for moving $25,000 in funds to a bank for 90 days used to be no-brainer deals because if you had the cash uninvested anyway, you were earning an average of 0.10% interest in a savings account. Since America loves math, we can show in a simplified calculation that your nominal opportunity cost was barely enough for a Starbucks latte:

Opportunity Cost in ZIRP era (Savings): $6.15
$25,000 * 0.10% * 90 days / 365 days ≈ $2.46 (Why 365? Since APR, is, err per A)

Fast forward to our post-ZIRP dystopian present in which you can easily earn 5.00% or more in an FDIC insured account, and that bank bonus on a checking account that pays effectively zero has a very different opportunity cost

Opportunity Cost in the Facebook Meta Threads era (Savings): $308.20
$25,000 * 5.00% * 90 days / 365 days ≈ $308.20

What’s my point here? Obviously run the numbers before diving into a new bank account. But, you can also memorize a quick statistic for whether or not a bank account bonus is worth your time: You should earn somewhere around $50 for each 30 days that you tie up $10,000, or a high-yield savings account beats it.

Note: I know that the “but actually” people out there are going to point out that you’d earn a few cents more at most bank accounts because of compounding and monthly payouts, and that 5% of $10,000 for 30 days is more like $41 dollars. Let’s just say “you’re not wrong” and leave it at that.

A churner dresses up as a number, preparing to run.

The travel blogosphere is an interesting place: Where else can you find a bunch of people with similar interests talking about discount diapers, free Chik-Fil-A sandwiches, overflowing lavatories, first class lounges with Porsche transfers to your aircraft, and ViaSat internet all in the same regime? Nowhere else, that’s where.

At MEAB I try and focus on things that I think will make a meaningful difference in most readers’ lives. I personally value my time at well above $100 per hour, and I assume that you do as well, that means that I draw a line about which things I’ll post and which I won’t. If something doesn’t feel like it crosses that threshold, or if it’s a stretch to call it travel related, you won’t find it here. Instead you’ll only find (I hope):

  • Things that make you money
  • Things that make you miles
  • Things that maximize your money or miles, specifically related to travel
  • Things that make you laugh, but only in direct relation to the previous points

There’s a threshold for when something is interesting, and 500 points for taking a 10 minute survey is really, really below the value that I place on my own time, and by extension your time.

What’s the point? If you’re wondering why I’m not talking about a particular hotel promotion or a bank bonus that you find on other major sites, it’s probably because I think it doesn’t meet the $100 per hour imaginary line, or that it’s not directly relevant to making money or miles. If I miss something that clearly does cross that threshold, please let me know!

A visual representation of the line.

  1. Several shopping portals have Father’s Day spend promotions, most of which are new:

    – Alaska MileagePlan: 500 bonus miles after $200+ spend through June 14
    – United MileagePlus: 1,000 bonus miles after $400+ spend through June 16
    – AA AAdvantage: 500 bonus miles after $200+ spend through June 17
    – Southwest Rapid Rewards: 1,000 bonus miles after $100+ spend through June 18

    You can hit them all with giftcards.com, but be careful with back-to-back orders for the same product type because they’ll require a urine sample for order verification, then deny you anyway; instead space them out by 24 hours.
  2. Southwest has two promotions:

    – Discounted fares on some flights booked by Wednesday for travel between August 6 and December 18 using promo code BDAY, but on the mobile app only. In my searches, discounted fares were found on most days, but often only on early morning or late night flights
    – A daily sweepstakes through Sunday for bonus miles, it’s probably barely worth your time because there are about 129,000 total winners over the week so the probability of winning is measurable without too many decimal points

    Side note: Southwest is going to try and make noise on major blogs for the entire week; if you’re looking for a drinking game, throw one back each time you find a Southwest article with more than 1,000 words that doesn’t really manage to say anything new.

Happy Tuesday!

A portion of the Giftcards.com fraud team’s checklist.

  1. US Bank Double Cash Back days runs Wednesday through Friday on both its cash back portal and card linked offers. You can get to both on most personal cards by:

    – Logging in to US Bank
    – Clicking on your credit card from the dashboard
    – Clicking “Go to rewards & benefits”
    – Clicking “Rewards center”, which may be hidden behind “…”
    – Click “Shop now” for the portal or “See my cash-back deals” for card linked offers

    You can also try this link, but it’s very ymmv. Also because it’s US Bank and the computer is a mainframe operated by a drinking bird, the card linked offers may lead to a blank page especially for Altitude Reserve cards.
  2. American Express Offers has a card linked offer for $100 off of $400 or more in front desk gift card purchases purchases at the Unbound Collection by September 15. Gamers that can’t get to a front desk for a gift card purchase often find ways to make this work anyway.

    There’s also an offer for $75 off of $350 or more at Avis or Budget.
  3. The Albertsons, Safeway, Vons, and other grocery chains’ Just4U rewards program had a great stack this weekend, and most of it is still working for a very good stack for another week and change:

    – $15 off of $75 in select gift cards including PlayStation Store through June 18
    – 10x points on PlayStation Store through June 18
    – 4x points on all gift card purchases Saturday and Sunday

    These deals all conspired to award 12x points plus $15 in groceries with a purchase $75 or more in PlayStation Store gift cards, because the weekend promotion is over the same deal will now will earn 10x points + $15 in groceries. PlayStation cards should fetch at least 81% in resale value for bulk buyers, so if your buyer is paying less, look for another one.

    Why is this on MEAB, a site whose mission silently includes never talking about discount groceries or electronics? Well: (1) manufactured spend, (2) this is a backdoor to buying Alaska miles.

US Bank’s rewards portal technical operator in action.

Very few companies have a monolithic technology stack. That means you’ll often find different behavior with:

  • Mobile apps versus a website
  • Older terminal hardware versus newer hardware
  • Android apps versus iOS apps
  • Version 1.0 versus version 1.1

Ok cool. How about a few specific examples?

  • FlyingBlue will show different pricing and availability on AirFrance’s site than KLM’s
  • Turkish Airlines fails to ticket some itineraries on desktop, but they’re easily bookable in the app
  • Older Walmart terminals behave differently than newer terminals
  • Some Kroger registers auto-drain cards, others won’t
  • Old school bill payment platforms charge different fees based on what you use to start a payment

Ok, cool again. Now why should you care?

  • Different technologies get different results, which leads to conflicting data points. Not all conflicts are easily explained by different technology stacks, but a surprising number are
  • Fees, funding methods, and functionality often differ. Can’t get that payment to go through on the desktop? Maybe hit up the mobile app. Mobile app doesn’t work? How about the prior version?

Good luck, and have a nice weekend!

Even shoes have different technology stacks.