Author: matt

  1. Do this now: Check Hyatt for new Q2 targeted promotions for:

    – 3x points on two night or longer stays
    – 2,000-10,000 bonus points per night up to five nights
    – A rock

    I got the last one.
  2. American Express Offers has a new targeted offer for Hilton card holders for +4.5x on any spend totaling at least $2,000 through August 21, limit 27,000 additional bonus points.
  3. The Wells Fargo Choice Privileges Mastercard has a 60,000 point sign-up bonus after $1,000 spend in three months. The card carries no annual fee and 3x at gas, grocery, home improvement, and phone services.

    This Choice program usually leads to a lot of questions, so let me address the common ones: yes, no, no, the Ascend Collection and/or Scandinavia. What are the common questions? That’s an exercise left for the reader.
  4. Staples stores have fee-free $200 Mastercard gift cards in-store through Saturday, limit nine per transaction.

    These are Pathward / BlackHawk Network gift cards, and anecdotally the death of the floosies has pushed competition for these up. Also, yes these can still be liquidated in lots of ways, always be probing.
  5. FrostieWaffles reminds us that today, or maybe tomorrow, is the last day to apply for Bank of America credit cards with Preferred Rewards boosts at lower tiers than the tiers required after. Yes it’s complex, and if you don’t know what I’m talking about, it’s too late to worry about it.

Happy fake Monday friends!

From /r/moldyinteresting: Frosty waffles aren’t always from frosting.

Memorial Day, like Labor Day, Mother’s Day, Christmas, National Bubble Bath Day, and a few other favorites, typically presents a great opportunity for one-off manufactured spend and travel hacking deals. We’ll see opportunities like:

  • Gift cards for sale under spot resale prices
  • Travel packages priced at relative minima
  • Extra inventory for award redemptions
  • Old apple products for really cheap

Broadly speaking, if you play the game today, you’ve got two choices:

  • Stick with what you know and can earn on any other day
  • Follow slickdeals, deal blogs, chatrooms, reselling slacks, and everything else to find great quick hits like those mentioned above

Either works obviously, but when you’ve built a war chest of manufactured spend volume, you’re probably going to earn more by sticking with what you know then you’ll earn or save by staying in front of a computer looking for today’s deals all day. So, unless you’re in this for the chase and the thrill of the new deal, consider spending your time today either doing what you normally do or learning more about how to build your war chest.

Or, we can summarize this post simply as:

Try and get the expected value of what you know bigger than the expected value of today’s quick hits.

Happy Monday friends!

Not all $15 apples are a good deal, even today.

  1. The Imprint Shell Mastercard card launched with a $50 after $500 spend sign-up bonus, which whatever, but its earning structure and other soft aspects are pretty great:

    – 3% cash back on restaurants and groceries, uncapped
    – 2% cash back everywhere else

    And on the plus side, if you get shutdown by Imprint the only real consequence is that you’re shutdown by Imprint.
  2. The Chase United Business card has an offer for:

    – 100,000 MileagePlus miles after $5,000 spend in three months
    – 10,000 MileagePlus miles for adding an employee card in three months
    – 5,000 MileagePlus miles for entering a United Agent’s promo code
    – 2,000 Premier Qualifying Points (PQP)

    That’s 115,000 total miles, double check offers before you apply. To get an agent code, either call United or chat on their website and ask the agent for one. If you chat, you may get the code directly or may get a URL that has it at the end.
  3. Meijer stores have 10,000 bonus points on $50 in third party gift cards excluding Amazon, Apple, and betting cards. The promotion is tomorrow and Sunday only, and limited to one per mperks account. (Thanks to Nathan)
  4. Stop & Shop, Giant, and Martins  have 10x points on Zift Zillions cards through Thursday. Some of these cards are convertible to high value brands like Amazon and Home Depot. The current variant is limited to $500 per loyalty account.

    Wanna know what a Zillion is? A big number. A Zift? No idea.
  5. Giant Food has 2x points on Mastercard gift cards through Thursday, limit $1,500 per loyalty account.

    These are Pathward / BlackHawk Network gift cards.
  6. Rakuten In Store’s card linked program has 5% back on CVS purchases, seemingly unlimited.

Have a nice holiday weekend friends!

More explainable than Zift.

You know how there are filler articles around the churning-blog-o-sphere on slow news days? All I can say about yesterday, is: wow next level guys. Anyway, there are a couple of notes:

  1. New American Express Hilton no-lifetime language links surfaced for the personal cards:

    – Aspire: 175,000 points after $6,000 spend in six months
    – Surpass: 130,000 points after $3,000 spend in six months, $0 first year fee
    – Honors: 100,000 points + $100 statement credit after $2,000 spend in six months

    There’s no business no-lifetime language version unfortunately. If you don’t care about lifetime language though, the business also has a heightened offer of 130,000 points and a waived annual fee for the first year here. (Thanks to DDG)
  2. Emirates devalued award redemptions, the summary:

    – First: 14.7%-15.2% increase in my searches
    – Business: 14.9% increase in my searches
    – Economy: No change in my searches
    – Upgrades: 10%-15% increase in my searches

    There’s a small positive change too: one-way saver business fares are now bookable, a round-trip is no longer required.

Happy Thursday, and if you want a bonus for today, check here or here.

A solid metaphor for yesterday’s content in the churnosphere.

Today’s drinking game: Take a sip every time someone mentions the Hyatt devaluation. Actually, don’t do that, I don’t want you to die. Here’s the non-Hyatt update:

  1. Citi ThankYou points has two new transfer bonuses:

    – 25% to Wyndham through June 13
    – 30% to I Prefer through June 13

    There’s decent value in both especially outside of the US.
  2. The Fidelity Visa card has an increased sign-up bonus of $150 after $1,000 spend in 90 days. The card is a workhouse for its 2% everywhere rewards, its no-annual fee, and because it’s issued by Elan. The downside is that one shutdown at an Elan issuer is a shutdown at all Elan issuers, including US Bank.
  3. The TD Business Solutions Visa card has an increased sign-up bonus of $400 after $3,000 spend in 90 days. This one also earns 2% everywhere and has no-annual fee, but isn’t issued by Elan. It also does report to personal credit. (Thanks to FM)
  4. The US Bank issued Korean SkyPass Visas have historically high offers:

    – Select Visa Signature: 60,000 miles after $5,000 spend in 90 days
    – Visa Signature: 40,000 miles after $4,000 spend in 90 days
    – SkyBlue Visa: 10,000 miles after 1,000 spend in 90 days

    The bonus multipliers aren’t amazing, but 2x on airlines, hotels, car rental, and dining is … there. The award chart also isn’t amazing, and also is … there; think 62,500-92,500 miles for business redemptions and 80,000-120,000 for first, both one way. Finally, let’s talk about their business class product for US flights: it’s … there. (Thanks to David)

Happy Wednesday!

Speaking of things that are … there, Lubbock TX.

The Whoop fitness tracker famously had an offer on personal Chase Sapphire cards for (effectively) a free device and year of service. Buyer’s groups were paying above $230 for sending them your free device, usually straight from Whoop which worked well for early adopters. Later though, Whoop realized what was happening, put together a list of known buyer’s groups addresses, and then instantly banned any credit cards used one of those addresses for shipping for that order and for all future orders.

There was a way around the ban though, and it should give you an object lesson in probing:

  • Buying with Apple Pay side-skirted the ban

Why did this work? Well, from Apple’s lips to your eyes: “The card number from your credit, debit, or prepaid card is not provided when you use Apple Pay.” In other words, Whoop didn’t have the actual card number used for purchase to reference with their ban list.

When your card is the issue, try:

  • PayPal
  • Google Pay Android Pay Google Wallet
  • Apple Pay
  • Curve Pay
  • Kasheesh
  • Even more obscure options

Good luck friends!

The Apple Terms and Conditions, err, apple.

  1. Office Depot / OfficeMax stores have $15 off of $300 in Visa gift cards through Saturday. For best results:

    – Buy in even multiples of $300
    – Buy the lower fee “Everywhere” cards if you have a liquidation route
    – Try for multiple transactions back-to-back

    This week will probably see a lot more competition than you’re used to, because community service first reasons.
  2. The semi-defunct-like-AT&T-unlimited-data-plans Citi ThankYou Mastercard sent new targeted mid-month offers for:

    – $50 statement credit with $750+ in online spend
    – $75 statement credit with $1,000+ in online spend

    These offers stack with other offers on the card. Now we just need a website that somehow codes as both home improvement and gasoline. (Thanks to birt and Matt M)
  3. Chase launched two new transfer bonuses:

    – 55% to Marriott Bonvoy through June 30 (after 65% last week)
    – 30% to Southwest Rapid Rewards through June 5

    Both of these are mildly interesting. Let’s list the upsides and downsides. Upsides: Bonvoy is a back door to lots of hard to earn currencies, and Southwest award bookings are fully refundable even on basic fares. Downsides: *cough* Southwest and *cough* $55 parking and destination fees at run-down airport hotels on award nights.
  4. PayPal Offers has an offer for 5% back at Giftcards.com with a maximum of $20 back through May 24.
  5. The Marketing machine at Chase offers checking account bonuses approximately 370 out of 365 days a year, and as a result coverage on them is basically continuous. There’s a new targeted business checking bonus for $1,500 with modest funding requirements that’s caused that background noise to jump and coverage is all over. So, let’s discuss a couple of things:

    – If you’re more than just a very casual churner or manufactured spender, avoid Chase deposit accounts, seriously
    – If you’ve got no credit history and you’re just starting out, Chase deposit accounts are useful for a few months before you close them

    You do you though.

Happy Monday!

Upside: The Marriott airport hotel destination fee ensures that hamster wheels are always working.

  1. The Marriott Bonvoy Business American Express card has an increased sign-up bonus of 150,000 points and a $125 statement credit after $8,000 spend in three months.

    The $125 should cover resort fees on two nights at the Knoxville Alcoa Airport Marriott Courtyard if nothing else.
  2. United and JetBlue now have basic reciprocal elite benefit sharing, which is especially useful if you’re banned by either Chase or Barclays but still want free checked bags, free access to better seats, and early boarding.
  3. The American Airlines eShopping portal has a promotion for 2,000 bonus miles with $800+ spend through May 21.
  4. Chase Sapphire and Freedom cards earn an additional 10x on purchases with Paze checkout on up to $1,500 spend monthly through the end of the year. The list of Paze merchants is relatively small, but does include heavy hitters like United Airlines and Newegg.
  5. SAS EuroBonus has 25% off of both economy and business class award redemption costs for travel booked by Sunday and flown by September 30.
  6. Kroger has a coupon for a $10 Kroger eGift card with the purchase of two $100 Visas or Mastercards.

    Q: Isn’t $10 below the line here for cards with $6+ activation fees?
    A: Erm, absolutely normally. But how many Kroger accounts do you have and how much are you already there?

Have a nice weekend, and don’t mourn the floosies too much, they’ve been on life support for a long time!

The Paze effect.