Author: matt

Introduction

One key skill for travel-hacking, churning, and manufactured spend is to understand the nuance of terms and conditions to find an opening that you can plow right through. For airline travel hacking in particular, when you’re maximizing things like: mileage earning, elite qualification, same day changes, checked bags, upgrade certificates, and fuel dumps, you need to understand the three types of carrier associated with your ticket because they all play into the maximization game in a different way.

Carrier Types

The three types:

  • Marketing carrier: The airline marketed as flying the route (the carrier named on your boarding pass)
  • Operating carrier: The airline actually flying the route (the name of the carrier on the airframe registration and safety cards)
  • Ticketing carrier: The airline issuing a ticket (the carrier that issued the ticket, determined by the first three numbers of your ticket)

Examples

It’s possible to have a ticket where all three of these are the same, and it’s possible to have a ticket where all three are different. A few examples:

Making it Real

A few hints about how this can be useful:

  • Travel banks might only work on one or two carriers, but flight credits work on others
  • You may earn many more miles or status dollars by booking the a flight with a different marketing or ticketing carrier than operating carrier
  • Lounge access can be tied to ticketing carrier or marketing carrier
  • Airfare surcharge rules can be tied to the country in which a ticketing carrier or operating carrier is based

Happy hacking!

Pictured: The three types of taco in a proper hard-shell taco meal.

  1. IHG has 15% off of award bookings for card holders and for Platinum and Diamond elites through tomorrow for stays through December 16. Yes, this has been around for a few days, but today is the first day that elites are also eligible for the discount.

    Be sure to reprice any existing IHG reservations in addition to looking at new bookings.

  2. Southwest has a fare sale through tomorrow evening for travel from:

    – November 29 through December 15 of this year
    – January 10 through March 8 of next year

    Reprice existing reservations too, and note that if your spring break dates fall within two weeks of March 8, you might consider a refundable points booking on near the end of the promotion and hope for a schedule change that lets you switch to your desired dates for no additional fee.

  3. American Express employee card offers have now been reported for the Plum card, Delta Reserve Business card, Delta Business Gold card, and the Business Platinum card, which gives us the updated list of offers for up to 99 employee cards per primary card:

    – Plum card: $50 statement credit for $2,000 in spend per card [new]
    – Delta Business Gold: $50 statement credit for $1,000 in spend per card [new]
    – Delta Business Reserve: $50 statement credit for $1,000 in spend per card [new]
    – Blue Business Plus: 5,000 Membership Rewards for $1,000 in spend per card [new] UPDATE: There are multiple reports of $1,000 in spend required and $2,000 in spend required, it seems variable on this card
    – Blue Business Cash: $50 statement credit for $1,000 in spend per card [new] UPDATE: There are multiple reports of $1,000 in spend required and $2,000 in spend required, it seems variable on this card
    – Business Platinum: 5,000 Membership Rewards for $2,000 in spend per card [new]
    – Hilton Business: $50 statement credit for $1,000 in spend per card
    – Marriott Business: $50 statement credit for $1,000 in spend per card
    – Lowe’s Business: $50 statement credit for $1,000 in spend per card
    – Green Business: $50 statement credit for $2,000 in spend per card

    Don’t sleep on these, each one is an additional 495,000 points or $4,950. (Thanks to Sebastian, Marrisa94, and Jim for new data points, and thanks to everyone who reached out to me yesterday noting that 99 * 5,000 ≠ 49,500 🤦‍♀️)

  4. Check for a targeted email from Discover for an extra 4% cash back on up to $2,000 in purchases by December 31. The subject: “Congrats [name], enjoy up to $80 extra cash back” (Thanks to an anonymous contributor)
  5. Kroger has a 4x fuel points promotion on third party gift cards starting today and running through Tuesday after clipping the digital coupon. If you’re using fuel points to subsidize gift card reselling, you should be able to do so profitably with a little care. My current guidance on avoiding fuel account locks:

    – Create a new fuel points account with a new incognito session on the browser on your mobile device when not connected to wifi
    – Buy everything in one or two transactions total, ideally in off-hours (customer service counters let you scale this a bit)
    – Do your best to work with a fuel points end-user that can use the points within an hour or two of loading

    Good luck!

Showing my work from the math in yesterday’s post.

  1. The American Express 99 employee card bonus frenzy has only been available on the Hilton Business, Marriott Business, and Lowe’s Business cards for the past several months, but as of the end of last week the offers are back on other cards too. Current reports:

    – Blue Business Plus: 5,000 Membership Rewards for $1,000 in spend per card [new]
    – Blue Business Cash: $50 statement credit for $1,000 in spend per card [new]
    – Hilton Business: $50 statement credit for $1,000 in spend per card
    – Marriott Business: $50 statement credit for $1,000 in spend per card
    – Lowe’s Business: $50 statement credit for $1,000 in spend per card
    – Green Business: $50 statement credit for $2,000 in spend per card

    The roman numeral trick is still alive and well, and means each of these cards is worth another $4,950 (or 495,000 Membership Rewards) bonus in your pocket.

  2. Check for targeted email from Barclay’s for increased earnings on business and consumer cards through the end of the year or the beginning of next year. A few samples:

    – 5x AA miles on grocery, drug store, and restaurant purchases up to $700 spend
    – 5x JetBlue miles at convenience stores, up to $700 spend
    – 10x Old Navy points, uncapped
    – 5x Wyndham points on grocery, drug store, and restaurant purchases up to $700 spend

    I got none of these. (Thanks to Sideshowbob233)

  3. Check your American Express offers for the following:

    – $75 back after $300 spend at IHG Intercontinental, Kimpton, or Hotel Indigo properties
    – 25,000 Membership Rewards after $1,000 spend at Royal Caribbean cruises

The “American Express employee card bonus offers” remorse shirt.

We’ll be quick today:

  1. Meijer has a $10 store gift card with $75+ in Happy gift cards through Saturday. This one is limit one per coupon, but you can re-clip the coupon after each purchase. A favorite technique with these gift cards is to use a few of them to purchase something in the Meijer electronics department that you can ship to a buyer’s club.
  2. AA’s portal has 1,000 bonus miles for installing their browser toolbar and spending $25 through the AA portal and toolbar by Halloween, provided you’ve never gotten an AA shopping toolbar bonus in the past. You’re supposed to keep the extension installed for 30 days too, so either set a reminder in your phone, create a new browser profile that you use for the bonus and then never use again, or be offline when you uninstall the extension. (Thanks to GC Galore)
  3. Simon.com/volume has 50% off of purchase fees of Visa and Mastercard gift cards using promo code OCT22SAVE50. Note that most of these are Metabank gift cards.

Have a nice Monday!

Example high demand buyer’s club item at Meijer, maybe?

  1. Bank of America has a promotion on Saturday, November 5 for an extra 2% back or 2x bonus miles on all non-cash advance purchases, which really means any normal spend or normal manufactured spend. In preparation:

    – Open another round of Bank of America cards as soon as possible
    – Make sure your credit lines are paid off by November 3rd
    – Set aside time on November 5th to maximize your earnings
    – Bypass the Preferred Rewards 90 day waiting period by opening a business account in branch and asking to be part of the program

    And some related but general advice prosthelytized by Sam and Robert at Milenomics: You should always be ready with a basic game plan for when a big event like this lands so you can spring into action.

  2. Giftcards.com is back up to 8% cashback on the mobile Capital One Shopping portal. Just watch out for the $2,000 gotcha.
  3. Kroger online has $10 off of $150 or more in Visa or Mastercard gift cards through Tuesday
    with promo code OCT2022, and you’ll earn fuel points to boot. While Kroger offers better cards in-store, the online variety is Metabank. (Thanks to GC Galore)
  4. Shop n’ Save stores have $10 off of $100 in Visa or Mastercard gift cards through Wednesday, limit five per account. These are also Metabanks. (Thanks again to GC Galore)

I can’t argue that this isn’t a plan, but it’s not exactly what I had in mind.

  1. Somehow I missed posting the giant Public brokerage sign-up bonus that works even for existing account holders and runs through December 31. You have to transfer non-retirement account equities, and a cash deposit won’t work. The bonus tiers:

    – $150 bonus for $5,000 transferred
    – $500 bonus for $25,000 transferred
    – $2,000 bonus for $100,000 transferred
    – $5,000 bonus for $500,000 transferred
    – $10,000 bonus for $1,000,000 transferred

    You have to keep the equities or the proceeds from their sale at Public for six months or you risk a bonus clawback. I’m conflicted about what to do with this one because public doesn’t support options, margins, forex, mutual funds, or bonds. (Thanks to Mark S for noting the lack of a post)

  2. Redditor professor_doom shares a great tip for making the airbnb booking process sane: Do all of your searches from airbnb.com.au to see a total booking price including cleaning fees, service fees, and resort fees from the main page.
  3. There’s a Chase Offers and BankAmeriDeals offer for 10% back up to $47.50, or 15% back up to $67.50 back with Alaska Airlines. You can game these without even playing the break the correlation to game or being a Jedi. (Thanks to DoC)
  4. A few updates on the yesterday’s Chase Sapphire Reserve 80,000 Ultimate Rewards vs Ink Preferred 100,000 Ultimate Rewards hot-take based on your feedback:

    – If you have access to a targeted 80,000 Chase Sapphire Preferred bonus and are below 5/24, the heightened Reserve bonus is probably above the line for a Modified Double Dip

    – If you’re 3/24 or below and haven’t had a Sapphire bonus in the last 48 months, yes, it could make sense to get both this card and an Ink Preferred. Follow-up question though: Are you missing out on other bonuses by being that low, could you be doing more?

    – The Reserve has a $4,000 spend requirement, while the Ink Preferred has a $15,000 spend requirement. If you don’t have easy access to $15,000 in spend, the Reserve is an easier win. Follow-up question: Can you get access to more spend?

Forget “Three For Thursday”, bring on “Quadsday”. Actually never mind, I didn’t think that one through.

Buckle up, there’s a lot going on today:

  1. Southwest has 20% off of award tickets booked through tomorrow for travel through December 15 using promo code SAVE20NOW. There are blackout dates for when you might want to travel most, November 18th through 23rd and November 26th through 29th.

    If you have any existing award tickets for the same travel dates, this is a good opportunity to reprice and see if you can get a partial refund on points.

  2. The Chase Sapphire Reserve has an 80,000 Ultimate Rewards sign-up bonus and it seems like the miles and points hive mind can’t stop saying things like “ZOMG much point! Very reward!” about this bonus. I’d say it’s skippable because:

    – The Ink Preferred has a 100,000 Ultimate Rewards sign-up bonus, a much lower $95 annual fee, an easier approval, and is churnable
    – The Sapphire Reserve isn’t churnable, at least not more than once every 48 months
    – The Sapphire Preferred sign-up bonus is currently small, so a Modified Double Dip with the Reserve and Preferred isn’t compelling
    – The Sapphire Reserve goes against 5/24

    The major use case for this card is 1.5 cents per point using Chase Pay Yourself Back, and unless you’re cashing out more than 500,000 Ultimate Rewards per year you’re likely better off with another card. Don’t feed into the hype.

  3. Capital One has a 30% mileage transfer bonus to Virgin Red through the end of the month (Virgin Red can be linked to Virgin Atlantic’s Flying Club and the miles then work for either). Sweet spots:

    – Business class to and from Europe
    – ANA first or business class to and from Japan

    (Thanks to FM)

  4. American Express has an offer for $300 back after spending $1,500 at the Qantas US site by November 30. Don’t forget about tricking it by breaking the correlation if your travel plans don’t pan out.
  5. Chase has a tiered brokerage bonus for opening a new account and bringing new funds or securities (see The Daily Churn for details on transferring securities to get bonuses without selling stock and creating a taxable event):

    – $25,000: $125
    – $100,000: $300
    – $250,000: $625

    Normally you should stay as far away from non-credit card Chase products as you would from a rabid giraffe with monkeypox, but because this is a brokerage account and because of how US banks comply with the Volcker Rule, I don’t believe this bonus is a risky proposition in the absence of a margin account.

  6. There’s a heightened sign-up bonus of 85,000 miles for the Citi AA Executive card being advertised in some Admiral’s Club lounges, which beats the current public offer by 5,000 miles. (Thanks to Welcome Offer via MEAB Slack)

The travelsphere talking about the Chase Sapphire Reserve 80,000 Ultimate Rewards Bonus.

The Hyatt late checkout benefit is a favorite, but often problematic benefit for exactly one reason: According to my, erm, “completely scientific” measurements, housekeeping will knock on the door and sometimes even enter your room way before your late-checkout time 147.1% of the time. The Flyertalk threads about late checkout confirm this measurement, making it even more, erm, “completely scientific”.

Recently I found a nice solution to knock that percentage way down, possibly to zero:

Put a sticky note over the keycard reader that says “4:00 PM Checkout” (“16.00 Checkout” if you’re outside the US and therefore don’t operate on freedom time).

I’ve never been to a hotel front desk that didn’t have a stack of sticky notes at every station at the front desk, so you probably don’t even need to pack your own set.

Happy Tuesday!

Now you can make sure the housekeeping staff has had plenty of time to caffeinate before they discover this nonsense.