- Do this now: Register for Choice’s Q4 promotion for 8,000 bonus points on two night (or longer) paid stays through January 5.
- Do this now: Register for Marriott and Singapore Airlines reciprocal earning promotion for bookings and flights between October 10 and December 12. You’ll earn:
– 500 Singapore KrisFlyer miles on paid Marriott stays
– 1,200 Marriott Bonvoy points on paid Singapore flights
Because Marriott is Marriott, 500 Singapore miles are probably more valuable than 1,200 Bonvoy points. - The Chase Hyatt personal card has a new sign-up bonus for five free category 1-4 free night certificates with $4,000 spend in three months. The $95 annual-fee is not waived the first year. I prefer the points version of the sign-up bonus since those don’t effectively expire and are more flexible. (Thanks to shris420)
- Etihad Guest has a tiered 20%-40% transfer bonus for incoming Citi ThankYou point transfers through October 31. With the transfer bonus, AA short0haul flights are cheaper to book with Etihad than with Alaska MileagePlan.
- Qatar Avios has a 25% transfer bonus for incoming Citi ThankYou points transfers through October 31.
- Bank of America has a $500 personal checking account bonus requiring $15,000 deposited within 30 days, keeping the money there through day 120, and one of: sending a bill payment, using Zelle (don’t do this), mobile depositing a check, or making a singe direct deposit. Use promo code MCC500CIS. There are exclusions for
The effective APR of this deal is 13.3% in the best case or 10.0% in the worst case, but the real reason to do this is for opening up Bank of America credit card approvals. (Thanks to DDG) - US Bank has a $900 business checking account bonus requiring $30,000 deposited within 30 days and maintaining the balance for 60 days using promo code Q4AFL24. This bonus requires that 12 months have passed since you last had a business checking account with US Bank.
The effective APR of this deal is 36% at best and 18% at worst which is reason enough to go for it, but like with Bank of America, opening a checking account will help with credit card approvals. (Thanks to DoC) - Chase’s Q4 Pay Yourself Back 25% bonus categories are: utilities, insurance, fitness clubs and gyms, gas stations, and annual fees. Bonuses are all only the Sapphire Reserve this quarter too. “Select Charities” remains at its 50% bonus value. So long high volume gold cash-out, but hello octopus insurance cash-out!
- Chase is making a change to the Sapphire Reserve $300 annual travel credit which seems to be:
– $300 travel credit resets in December as usual for use past your December statement
– Remainder of unused December credit becomes a statement credit on December 31
– $300 travel credit for January 2025 – [your anniversary date]
– $300 travel credit for [your anniversary date 2025] – [your anniversary date 2026]
I think this means a bonus $300 travel credit in 2025. - Chase’s has a few targeted promotions for booking through the travel portal:
– 10,000 bonus Ultimate Rewards after booking a hotel stay of $400+ by January 31 (via email)
– $100 back on $500 in spend by October 31 (via Chase Offers)
These will stack, and these are (probably) both gameable. (Thanks to FM)
Pay yourself back hiccups when buying Octopus insurance.