The Citi AA Business card has an elevated 75,000 mile sign-up bonus after $5,000 spend a single purchase, and the $99 annual fee is waived the first year. Note: I tried to strip off any tracking parameters from the offer, but it wouldn’t load when they’re stripped off. As usual, I’m not here to sell you credit cards and I won’t earn anything if you use this link.
If you thread the needle through the terms and conditions and the sign-up bonus sticks around long enough, you can get it twice in just over three months, keeping in mind that business card approvals at Citi require 91 days between applications.
– Even multiples of $300 typically offer bigger per card discounts – Try for multiple transactions back to back – Link your cards to Dosh – Don’t forget the American Express Business Gold $20 monthly credit – Look for lower fee Visas (currently, new cards are rolling out with a $7.95 activation fee)
These are Pathward gift cards, so have a liquidation plan in place.
You can make six credit card payments with your tax return or extension due today, which is a low friction way for manufactured spend provided you can float the money in case of any potential IRS holds. You get two payments each with PayUSATax [1.82%], Pay1040 [1.87%], and ACI Payments [1.98%]. The same game works with quarterly estimated taxes to scale this throughout the year.
Usual disclaimer: I’m not a tax professional or an accountant, and you shouldn’t listen to my advice about anything, ever.
Southwest has a promotion for 25% off base fares with promo code SAVE25NOW booked by this evening. There are blackout dates, and not all flights on non-blackout dates are included, but isn’t that what Wanna Get Away+ fares are for?
An update to the PSA about Google Pay and US Bank Altitude Reserve 3x mobile wallet earning: I heard from a few readers that Google Pay works for them at 3x, and Nick at FM said the same. At this point I think the criteria for whether or not it works is a combination of whether you’re on mobile or desktop, and when your Google Pay wallet was created, which probably dictates which technology stack it uses.
I’ve also heard from several readers that Apple Pay doesn’t earn 3x for them either, but removing the card from your wallet and then re-adding it fixes the issue. What a mess!
– Increased annual fee to $195 after July 1 – No more free night certificates at $15,000 spend or $60,000 spend after July 1 – Quarterly $60 Hilton credit – Base earning goes from 3x to 5x immediately – Bonus 6x categories are gone after July 1
I usually have 2-3 of these in my rotation at any time, specifically for the free night certificate spending. Post this change, I’ll have between zero and 0 of these. #bonvoyed
RobinHood is the new cool kid on the block with a co-branded card issued by Coastal Community Bank. It has no sign-up bonus and an effective annual fee of $60 because you’ll need a RobinHood Gold membership and that’s the current 12 month cost. The card earns 3% cash back everywhere and obviously will be huge in the right hands, which hopefully includes a lot of you.
When a new product comes out there’s always a trade-off between hitting it as hard as possible in a short time on the assumption that it’ll be cut quickly, and being moderate to take advantage of the product over years because the long-term value will be huge. This one almost certainly falls into the former category.
First, let’s look look at the 90th and 95th percentile for arrival delays by marketing carrier (or, in other words, how many minutes past scheduled arrival captures 90% or 95% of all carrier arrivals)? Note that this includes regional jets operated by partner airlines like SkyWest, Endeavor, and United Express.
Marketing Carrier
90th Percentile Arrival Delay (minutes)
95th Percentile Arrival Delay (minutes)
American Airlines
51
83
Alaska Airlines
31
53
JetBlue
83
138
Delta
31
63
Frontier
73
120
Hawaiian
34
54
Spirit
66
113
United
43
85
Southwest
36
62
2023 Arrival statistics by marketing carrier.
I’m most surprised by JetBlue here, given that to have a 95% chance of arriving in time for your connection, you need to pad your connection time by nearly 2 hours and 20 minutes. On the other hand, I wrote this on a JetBlue flight that was delayed by about 3 ½ hours, so I guess confirmed? Well played JetBlue.
Operating Carrier Arrival Stats
Now, let’s look at the same thing for major airlines flying mainline aircraft, excluding any regional jets, since often we’re able to avoid regional jets for positioning flights or connections and historically they don’t perform as well:
Marketing Carrier
90th Percentile Arrival Delay (minutes)
95th Percentile Arrival Delay (minutes)
AA
51
97
Alaska
31
55
JetBlue
83
138
Delta
31
66
Frontier
73
120
Hawaiian
34
54
Spirit
66
113
United
43
85
Southwest
36
62
2023 Arrival statistics by operating carrier, major airlines.
Note that AA’s operation has worse (!) performance when its regional partner airlines are excluded from the statistics and we only consider mainline flights. I had to go triple check this data because wow, that sucks AA.
What about data for the regionals only, when they’re operating on behalf of one of the majors?
Marketing Carrier
90th Percentile Arrival Delay (minutes)
95th Percentile Arrival Delay (minutes)
Endeavor
27
63
CommuteAir
36
82
GoJet
40
80
Envoy
32
62
PSA
32
70
SkyWest
32
70
Piedmont
25
62
Horizon
22
45
Mesa
68
129
Republic
23
53
Air Wisconsin
61
114
2023 Arrival statistics by operating carrier, regional airlines operating for another carrier.
My mental model for regional jet carriers is usually: avoid GoJet and Mesa, SkyWest is most likely to get you there. The data proves that’s only somewhat correct for 2023 though.
Major Hub Arrival Statistics
Ok, but what about a given hub? We all know that some function better than others, so let’s look at arrival delays at the top 15 airports by total number of commercial flights, plus one bonus airport.
Airport
90th Percentile Arrival Delay (minutes)
95th Percentile Arrival Delay (minutes)
ATL
33
71
DEN
44
86
ORD
41
86
DFW
46
94
CLT
38
83
LAX
39
74
LAS
50
85
SEA
27
53
PHX
37
70
LGA
43
85
MCO
63
109
IAH
44
92
EWR
48
93
DCA
36
73
BOS
56
102
SFO
47
84
JFK
56
107
LBB
44
81
2023 Arrival statistics by airport, ordered by total number of air carrier flights in 2023.
So I guess avoid positioning flights to Orlando, Boston, or JFK if you can help it.
Also for fun, these are the worst airports for delays:
Airport
90th Percentile Arrival Delay (minutes)
95th Percentile Arrival Delay (minutes)
PVU
87
160
PSE
93
152
BQN
86
137
SFB
73
130
TTN
83
129
2023 Arrival statistics by airport, ordered by biggest 95th percentile arrival delays.
We can dissect this data in a million different ways, but we know winter storms make things worse and summer thunderstorms don’t help either. So let’s look at when you’re most likely to be delayed, by month.
So, build extra time in for positioning flights in June and July.
What about breaking this down by day of the week?
The takeaway here is probably that the day of week doesn’t matter much, unless it’s Tuesday.
Conclusion
If you’re interested in seeing the raw CSV data (which ended up in an SQL database), let me know, I’m happy to share. Otherwise, good luck on those award flights!
First, a warning about Google Wallet, renamed to Android Pay, renamed to Google Pay, which split into Google Wallet and Google Pay, and then was all renamed to Google Wallet once again (I wish I was kidding about all of this, but I’m not):
Since around December, Google Wallet purchases aren’t earning 3x points on the US Bank Altitude Reserve card. They’ll probably fix it retroactively at some point, but for now stick to Apple Pay or Samsung Pay, both of which have been much less schizophrenic about their names and still earn 3x.
The POID is K4IY:9897. Note that Blue Business Plus cards may also be eligible, but that’s unconfirmed. If you try, I’d suggest chatting with AmEx after three business days to see if a spend offer is attached before spending. (Thanks to MicroChurn)
Norwegian carrier Play has 25% off of fares to Berlin, Dublin, Copenhagen, Amsterdam, Stockholm, Paris, London, and Norway booked by tomorrow night for travel between April 2024 and February 2025, excluding July and December.
Play is a low cost airline, so you’re going to have to fly economy and suck it up, buttercup to take advantage of this one.
Play Airlines headquarters’ official welcome sign.
Southwest has extended its schedule through January 8, 2025, which includes Thanksgiving and Holiday travel dates. Now isn’t guaranteed to be the cheapest time to book holiday tickets, but it’s certainly not the most expensive time either and if prices do drop you can collect the differences as mileage refunds or travel credits. (Thanks to Brian M)
These are Pathward gift cards, so have a liquidation plan in place. Current Pathward liquidation limits at major retailers are $480 every six minutes. There are still in-person and online liquidation plays, always be probing.
Let me start today with a bit of advice: It’s easy to register for 5x promotions, and it’s also easy to hit all your spend in a single day. It’s also easy to assume that you’ll do it and then never get to it. So, consider setting aside a single day in early April to hit all your quarterly 5x spend so that you can focus on bigger, better deals.
Do this now:Register for Discover IT Q2 5x categories. This time: Gas stations and home improvement stores, both of which sell many types of gift cards; also public transit.
Do this now: Choose your US Bank Cash+ Q2 5x categories. I always choose utilities and electronics stores, the latter of which typically sells many types of gift cards.
Virgin Atlantic has a promotion for 50% off the mileage cost of award tickets booked by Wednesday for travel through June 30 for travel on Virgin Atlantic metal. This doesn’t reduce the often substantial surcharges that go along with the tickets. (Thanks to DoC)
– $50 off of $250 or more in spend at several IHG brands through June 15 – $150 off of $750 or more in spend at the Four Seasons through July 11 (if they do string matching, Four Seasons Total Landscaping may also work)
Foreword: There were a few high profile AmEx shutdowns yesterday, but it’s too early to know much about what happened other than most of them probably involved a big volume of online MS. Stay tuned for future updates when we know more, and don’t forget the Sneak Attack Strike Back if you’re concerned you might be next. If you haven’t heard about these before now, you probably don’t need to be concerned. I’ll do a writeup with lessons if and when we learn more.
Airlines have become overly concerned with what day it is this week, as we’ll soon see:
Clear.me has a new promotion for a $75 Uber voucher with a new clear account with promo code SAVETIME75. These are great for cashing out American Express Clear credits as Uber vouchers, but you’ve got to be creative on the redemption side because there’s a limit of one $75 Uber voucher per account. (Thanks to jnjustice)
– two one-ways: 5,000 total bonus points – six one-ways: 15,000 total bonus points – eight one-ways: 30,000 total bonus points
I believe based on on the terms and conditions an American Express Travel phone booking would qualify, but I can’t be certain. Alternatively you can book through an SWABIZ account. (Thanks to sctrader)
Because it’s JetBlue and because JetBlue hates giving meaningful discounts, these only work for travel on Monday through Thursday and don’t work for international flights or Mint cabins.
American has an economy award sale for flights that depart on a Tuesday, Wednesday, or Saturday in April or May. There are some good deals here, including 5,000 miles for short-haul and medium-haul international flights.
The throttle started out with certain BINs on certain products, then moved to other BINs on other products, and they’ve now hit a major, high volume product with the same limit. If one of your plays involves high volume InComm cards, maybe run a few tests before your next big order.
For everyone else, assume that most InComm products now have a three card limit per liquidation trip.
Have a nice Wednesday!
New elite status award for Southwest A-List members.