1. People that know me well know that I like to mentally explore bad ideas even if I wouldn’t do them, and this item definitely falls into that category. So I don’t recommend you do this, but if you have both a Chase Sapphire Reserve and a Chase Freedom Visa you can come out ahead with $600 in travel credits on the $550 annual fee every year. To do so:
Spend your Sapphire Reserve $300 travel credit
Downgrade your Sapphire Reserve to a Freedom Visa for a prorated annual fee refund
Upgrade your other Freedom Visa to a Sapphire Reserve, pay a prorated annual fee
Spend your new Sapphire Reserve $300 travel credit
I think that there’s a distinct possibility that shenanigans like this will get you axed by Chase and I wouldn’t do it, but it’s worth illustrating because the same thing will probably work at other banks with other products that you care a lot less about, and learning the trick could come in handy in the future. (Thanks to discussion over at reddit for pushing me in the right direction)
In 2021, the simplest way to cash out travel incidental credits on American Express cards, PenFed Pathfinder cards, Bank of America Premium Rewards, and UnionBank Rewards cards was to buy United TravelBank credit directly because it can be banked, combined, and used for airfare on any United flight and it didn’t require any weird gift cards or other “one weird trick” style hacking but was still reimbursed by credit card issuers. TravelBank credit also has a long expiration at 5 years so you’ve got time to figure out how best to use it.
Was rushing to cash-out a mistake? Honestly I think so even though it’ll probably work out just fine.
Being Level-Headed
I have a compulsive urge to knock out all of my yearly credit card annual credits as early as possible at the start of a new year so that I don’t have to think about them all the way until December 31, and I have zero doubt that many of you are exactly the same. That said, I’ve learned to hold back and wait for data-points to come in regarding what works in the new year and what doesn’t, and I hope you’ll do the same. There are legion travel hackers out there who have already all tried to cash out their 2022 credits in non-perscribed ways for:
Airline incidentals
Travel credits
Saks
Clear
Global Entry / Nexus / Precheck
But, there isn’t yet a datapoint that any of the opportunities that worked last year continue to work now, simply because not enough time has passed for a credit to post. In fact, many things change when the calendar does, like, I don’t know, United TravelBank going offline.
So, maybe wait a few days so we know that what worked last year will continue to work so that you’re not stuck with an unreimbursed $200 charge? If you’ve already become the data point, I sincerely appreciate it and I understand it at my core, but that’s not how I’m playing it (anymore). We’ll all learn from your hard work and we’ll all be grateful for your data-point.
It’s great to vibe with the flow after the slow week between Christmas and New Years. Here are five interesting things that came up over the weekend:
1. Seth from wandr.me and the Dots, Lines, and Destinations podcast has released a tool that I’ll be using a lot: Where the Widebodies Are. This tool lets you search through airline schedules for where widebody (two-aisle) aircraft are flying domestically. I prefer widebody aircraft because:
They often have lie-flat business class seats and quite a few of them for upgrades
They often have large premium economy cabins (like domestic first class seats)
Typically the outsides of the aircraft are two seats wide in economy, so no middle seats
They’re smoother than lighter single-aisle aircraft
2. I’ve had multiple readers tell me that they can’t get PayPal Key, and the old tricks for getting it on your account stopped working over the summer. Fortunately, there’s a new trick for getting PPK:
3. The Citi Shop Your Way Rewards Mastercard (a MEAB Unsung Hero) has a targeted great offer to ring in the new year: 15% back on gas, grocery, and restaurants each month for January, February, and March. The minimum spend each month to trigger the offer is $500, and the maximum spend for 15% back is $600. Over three months, that’s $270 back in statement credits. Talk about a nice hit for a no-annual fee card.
Look for the targeted link in your inbox, the subject for mine was “Matthew, your new offer is here. But only for a limited time. Activate now.“
5. The Target RedCard $80 back ($40 online and $40 in-store) for opening a new RedCard debit or RedCard credit card deal is back through January 15. Both cards definitely have their uses, and notably can be churned. Just make sure you wait at least three business days between closing and reopening to avoid any speed bumps. You can read more about why this is useful with Target Redcard Hacks.
In what has become an annual MEAB tradition for an unbelievable streak of two years in a row (if you include this year), it’s time for another installment of Travel Hacking as Told by GIFs. The 2020 version was, naturally, a rousing success. Time for another one of those, or something.
Let’s Go!
Virgin Atlantic Devalues its Award Charts and Expects us to Book Anyway
Remember how merchant coding didn’t pass properly to AmEx via PayPal and everything was a “global restaurant” when you bought with PPK? I do. sniff
Citi Pay-By-Phone Accepts New Cards
When the new year ticked over, a new year’s worth of expiration dates started to sail through, and we celebrate.
American Express Master Value Injection 2.0
Personal Platinums get $30 at PayPal. Co-brand business cards got $10-$20 off of wireless services. Co-brand personal cards get $10-$25 off of dining. It all resets every month! Also, business Platinums get +4x in four categories. We’re happy at first…
American Express with Master Value Injection Redux
By March, we realize we’re working for American Express to cash out a dozen small monthly credits, and it feels like we’re getting nowhere fast while we try and twirl through our credits.
Bank of America Launches a Spirit Airlines Co-Brand Card
Someone really thinks we’ll go for this? Also, 40,000 miles is stingy, even for Spirit.
We have a new US based air carrier and we got to see its inaugural takeoff roll.
Citi Launches the Custom Cash Card
It’s a no-annual fee card that earns 5x per month on $500 spend in whatever category you spent the most on. Bad? Not at all. Amazing? Not really, but we’ll take it. Unfortunately for me I got a $20,000 credit line on a card that will never see more than $500 in monthly spend.
Visible Sends Us Giant Piles of Mastercard Gift Cards
American Express gave us a bonus three points per dollar, uncapped, for referring someone (like P2) to a new card. Obviously this was abused and became a goldmine.
Maybe the “4 for us deal” isn’t quite as lucrative as “3 for all” for heavy hitters, but it’s a great consolation prize to close out 2021. I got one for me and one for P2, but wish I had tried even harder.
American Airline’s SimplyMiles Roller Coaster
We’re all going to get 240 miles per dollar. No wait, we’re not. No, it’s going to post! Then it posts! Then it unposts! Then it posts! Then it unposts!
The Dust Settles and 240 Miles Per Dollar Actually Shows Up
Former US Airways management proves that it can still make a deal that puts other deals to shame, even though they can’t make a sandwich.
Fee-Free MS with Point Dies
You could load cash onto the Point debit card with a credit card using Apple Pay, fee-free, up to $12,500 per month, and then spend the money and earn another 1% on top. It even worked with American Express.
We watch the Marriott Program go from Bad to Worse
After years of devaluation, Marriott gave us something differentanother devaluation.
Getting Creative with Rental Cars During Carmageddon
Bob at the local mechanics shop will let you rent a fixer-upper for only $150 per day, unlimited miles. What a steal!
Running to Meijer for the Sale of the Year
Meijer announced that they were giving 10% off of third party gift cards for two days, and MSers ran to the Midwest for a feeding frenzy.
Flight Attendants Get Trained on Unruly Passenger Handling
Links were allegedly stolen from source code, reddit /r/churning mods had massive infighting, links were released to the public to hide serious abusers in a crowd, inevitably a bunch of shutdowns occur, and one of the perpetrators walks away unscathed. This could honestly be an HBO mini-series.
Flight Attendants on British Airways Celebrate the Reopening of US Borders
BA1 marked the return of leisure travel to the United States, or at least that was the plan before Virgin Atlantic stole the crown. Fortunately, Miles Earn and Burn has obtained exclusive footage from the safety briefing so we can all take part in the early celebration.
Virgin Atlantic and British Airways Orchestrate Simultaneous Takeoff
It’s always the ball you don’t see coming, right? American Express shut down accounts for cardholders that had opened one or more business cards with the help of a particular employee, and without regard to literally anything else. Imagine opening a single Business Platinum card in 2018 and then having this happen in 2021…
Sometimes we need to have a picture of what we’re offered to keep a company honest. I prefer using a phone or computer’s built-in tool, but if you’re part of any Slack or WhatsApp groups, you’ll know that not everyone feels the same way.
Your Friend Asks You What It’s Like to Fly Eleven Hours in Coach
Uh, we literally have no idea. If it’s not a lie flat, then we haven’t done it. We might look rugged and experienced, but honestly we haven’t been past row 16 or so on a widebody aircraft since, I don’t know, ever.
GoBank Discontinues Its Card
When notice came in mid-August that GoBank was shutting down in favor of Go2Bank, MSers swiped repeatedly at Walmart to offload gift cards (including Metabank) while they still could.
Brex Gives us Hundreds of Thousands of Points for Very Little Effort
It took me under five minutes on the phone to link PayPal to Brex for 100,000 points. And then there was the 110,000 point sign-up bonus in early February. Oh, and you could do it multiple times with multiple business. In my state, you can register a business for only $70, so there’s that too. (It’s not quite as good, but you can keep the party going in 2022 with the TravelBank 75,000 points after spending $1,000 offer.)
BestBuy Disables Auto-Checkout Bots During Black Friday
BestBuy knows that auto-checkout bots exist, and has countermeasures to disable them. Why does it turn them on for only a week or two a year? I have no idea.
Employees that shared your name but with roman numerals were never more exciting! This deal is still scheduled to run well into 2022 on many business cards by the way; you just have to call and ask, because I guess you’re just supposed to know that AmEx has phone only offers and to check periodically?
A few probers out there knew that GivingAssistant was really good at awarding cash back even when other portals wouldn’t, like buying Apple Products on BestBuy.com. Did our experimenting cause it to fall apart?
Miles Earn and Burn Celebrates a One Year Anniversary
You may have figured out by now that I’m not big on ceremony for the sake of ceremony, so you probably won’t be surprised to learn that I spared you all from another “WE JUST TURNED ONE YEARS YOUNG!!” blog post. But, the anniversary technically did occur.
The Worst Credit Card Takes a New Tact
I don’t yet have a formal Unsung Villains series to match the Unsung Heroes series, but if and when I do the Mastercard Black Card card will be at the top of the villains list. The thing is, they know that their card is bad so their marketing department has to stretch. Recently they’ve started advertising that their card is heavier than the competition. Wow, you mean my wallet can get even thicker?!? Sold!
Thank You!
I don’t say it enough, but I appreciate everyone’s support over 2021. Thanks for your emails, your Telegram messages, your Slack and Discord groups, and your Patreon memberships. I’m really here because of you.
I’m focusing my efforts on tomorrow’s Travel Hacking in 2021 as Told By GIFs post and this is the slowest time of the year for our hobby, so let’s have two quickies to get us through Thursday:
2. MS hint: Many MS techniques will live and die by the expiration date of the card you’re trying to liquidate — cards that expire in 2028 or earlier may sail through, while 2029 or later expiration dates fail. When the calendar turns, usually you’ve got a whole new year of valid expiration dates. Huzzah for Saturday I guess.
As a corollary of the above, if got a failure when probing a particular liquidation method, you may be getting an expiration date related failure rather than a blanket failure, so that’s another dimension to consider.
The excitement for 2022 in this room full of LAN party gift card gamers is palpable.
At the end of the year, banks can be wonky with when they apply charges and statement credits. This is especially true if the bank name rhymes with Beermerican Supress. So, if you haven’t finished working through your year-end housekeeping for statement credits and bonus spend, I’d consider today a soft deadline for 2021 spending. Don’t forget:
Wireless credits
Saks credits
Dell credits
Clear credits
Global Entry credits
Spend bonuses
Card linked offers
And another word of caution: Dell doesn’t charge a credit card until they ship, so if it’s not digital, your chances aren’t good for 2021.
Stay classy out there.
American Express’s algorithm for determining in which year a charge made on December 30th should post
Reader Ryan reached out to me and asked if I had any thoughts on how to book a flight for the same day that might be cancelled. I loved this question, because it’s exactly the kind of out of the box thinking that makes some travel hackers extremely successful.
Why did Ryan want to do this? The short answer is that airlines that cancel flights are, in most circumstances, obligated to give you a refund for a cancelled flight if you ask, and for other instances you can get a newly issued travel voucher with a new expiration date far out in the future. So, it’s a nice hack for extending an expiring voucher.
Finding Flights Likely To Be Cancelled
Over the 2021 holiday season, it seems like you’ve got about a one in five shot of having your flight cancelled without doing anything special, but normally that’s not the case. You can still tilt the odds in your favor though. To find flights that are likely to be cancelled:
Combine the above to come up with a route that passes through at least two of those airports, and even better a connecting flight in a third
When I looked for Ryan yesterday, Seattle (#1), Denver (#2), and Atlanta (#3) were having major issues, and Ryan’s expiring voucher was on Southwest. With Denver and Atlanta being Southwest hubs, I guessed the best option would have been either: SEA-DEN or DEN-ATL; but even better yet: SEA-ATL-DEN or SEA-DEN-ATL.
By the way, if you really want to tilt the odds in your favor, see where each individual flight is coming from on Flightaware and book one that’s already delayed or cancelled upstream. I didn’t do this yesterday though because I was in a hurry.
How’d That Work Out?
Let’s see how I did:
SEA-DEN: Southwest had six scheduled flights, none were cancelled, five were delayed
SEA-ATL: Turns out this route doesn’t exist
DEN-ATL: Southwest had four scheduled flights, none were cancelled, two were delayed
Ok, so I failed — but only a little:
SEA-DEN: All but one of the flights was delayed over an hour
DEN-ATL: Both delayed flights were over an hour delayed (or seemed to be as of this writing)
Alright, so if Ryan followed my advice, he’d still have a 5/6 shot of the first leg being delayed by at least an hour and a 1/2 shot of his second flight being delayed by at least an hour. There’s also decent chance misconnect in Denver. With an hour plus delay, calling Southwest is likely to get you at least a refund to a new travel voucher with a year later expiration, and it’s less likely but still possible that you could get a full refund. So, Ryan would have been in good shape even though we didn’t find the cancelled flight he was looking for.
Conclusion
If you have an expiring travel voucher, try and find a flight likely to be cancelled and book it. It could go well for you. Your odds will definitely be better than inflation dropping below 3% in 2022.
It turns out that planting a rabbit on your flight won’t cause it to be cancelled; he’ll just get an upgrade while you’re #1 on the list sitting in economy muttering to yourself and watching him from afar.
Hyatt got drunk on holiday eggnog (with bourbon of course) and we’re all benefiting. They’ve been:
Giving bonus points for Club Access Awards that expire on December 31, 2021
Extending the validity by six months of Suite Upgrade Awards that expire on December 31, 2021
I saw this first in private forums and later on Flyertalk and Reddit, and the number of successful datapoints is staggering. All you need to do is call Hyatt and ask for points in exchange for the expiring certificates, or ask for an extension on expiring Suite Upgrade Awards. In case calling someone is below the line, you can also chat via the website or mobile app. The number of points for Club Access Awards you’ll get depends on your status:
Globalists get 500 points each (presumably because Globalists always get club access anyway but Hyatt didn’t want to alienate their top tier members)
Explorists get 1,500 or 3,000 points each
There are multiplereports that this is a new policy, let’s hope it sticks for 2022.
(H/T D C Domer)
Hyatt’s other holiday surprise was scheduled to be this cursed snowman. Fortunately for all of us he melted in the Regency Club.
