1. The US Bank Triple Cash Rewards card has a $750 sign-up bonus after $6,000 spend in 180 days. The card has no-annual fee, or a negative annual fee if you’re a gamer. A few US Bank notes:

    – Hard pulls with US Bank will be combined in the same day
    – Different businesses can get the same card on the same day
    – The Leverage card pairs well with this one, and also has a $750 bonus

    For more about US Bank gaming, see this article.
  2. The American Express Schwab 1.1 cents per Membership Rewards point cash-out will be limited to the first million points per year starting October 1. Afterward, points will be cashed out at 0.8 cents each.

    You’ll still, as of this writing, have uncapped cash-out with the Morgan Stanley Platinum card at 1.0 cents, and American Express’s Business Checking cash-out is also at 1.0 cents each. Of course, brokers gonna broke and bypass the whole system. Mini #rant brewing for the near future. (Thanks to DDG and jnjustice)
  3. Do this now (if you hold a United credit card): Check for a targeted spend bonus for spend through July 30. Offers include TravelBank credit, PQPs, and miles.
  4. Do this now (if you hold United or Marriott status): Register for Marriott and United’s reciprocal earning promotion for stays or premium cabin flights:

    Marriott registration link (For Ambassador, Titanium, or Unobtainium status)
    United registration link (For Gold, Platinum, 1K, Global Services, or Moon Walkers)

    If you haven’t linked your United status to Marriott, you can link here, and vice-versa here. (Thanks to FM)
  5. The AirFrance / KLM FlyingBlue program has promo awards from the US to Europe in the following cities through the end of July: Atlanta, Denver, Dallas, and Raleigh Durham. There’s wide economy availability for the promotion, and spotty 50,000 point business class availability too.
  6. The Citi Shop Your Way Rewards Mastercard, the Larry Bird of credit cards, sent a few targeted offers:

    – 10% statement credit on up to $1,000 in travel and entertainment, monthly in 2024
    – $150 statement credit with $1,000-$1,999 in spend or $250 with $2,000+ at gas, grocery, and restaurants, monthly in 2024

    These offers stack together and with other ongoing offers from the card. If you maximized just these two, you’ve got [launches massively parallel calculation on a supercomputer] $2,100 in statement credits on a no-annual fee card. If your favorite credit card blogger never talks bout this card, ask yourself “why not?” (Thanks to Tyler, Jay, and Fish)
  7. Virgin Atlantic devalued its transatlantic business class Delta partner awards in two ways, first with approximately $1,000 in new surcharges and second, an increase of up to 55% mileage redemption cost with the introduction of a new variable award chart.
  8. The Turkish Airlines Miles & Smiles Visa card has been unveiled in the US:

    – 40,000 bonus miles after $3,000 spend in 90 days
    – 2x on dining, groceries, entertainment, and hotels
    – $99 annual fee, not waived the first year.

    I think the card is only interesting because it is issued by First Electronic Bank. When a bank you’ve never heard of issues a card, it’s usually a green light for shenanigans because (1) their systems are different than big bank systems, (2) smaller banks usually have interesting payment methods, and (3), if you’re shutdown by First Electronic Bank, literally who cares?

Warning sign posted at First Electric Bank’s headquarters isn’t the least bit creepy, why would you say that?

It’s extremely common for people to arrive as early as possible to visit an airport lounge. Since we’re often gamers and manufactured spenders around here, and since we’ve talked about a minimum monetary value for our time, we should apply the same logic to airport lounges when we’re departing from our home airport.

Specifically:

  • If you’re an in-person spender, a few trips to Kroger, Staples, your local grocer, and Walmart can be done in a couple of hours and earn you (hopefully) a few hundred bucks or the equivalent in points
  • If you’re an online spender, the time value of money probably varies a lot more, but a couple of hours of investigation might open up a new channel that’s worth thousands

So, if you’re showing up to a home airport lounge three hours before you’re flight, I’d suggest you consider how much the cheese cubes, bottom shelf gin, and chewy slightly-overcooked chicken breast are actually worth to you. Look, I don’t want to yuck your yum – I get that a mental break might be worth the spoils from days of gaming. But, if you find yourself in the lounge saying “now what?” after you’ve been sitting for 10 minutes, perhaps consider using the early lounge time to earn something or learn something instead, and you can use some of that to buy yourself a nice meal that hasn’t been sitting under a heat lamp for six hours.

*None of this advice applies if you live in Tokyo and regularly have access to the JAL F lounge, you’re in Frankfurt and regularly flying Lufthansa F, or you live in LA and have regular access to the Qantas First lounge. All of you get a pass.

Concept for new AA Admiral’s club pre-flight meals at the future, Lubbock TX club.

The Game

Major US and European airlines will usually tinker with published schedules until about two months prior to departure, and most also let you switch to another flight or get a free refund when the schedule changes or a flight is cancelled. That leads to a game, especially when you can cancel tickets for little to no penalty if your game doesn’t work:

When you’re booking travel far out and your preferred date and time costs too much, book a flight that will likely have a schedule change so that you can switch to the expensive, ideal flight instead.

The Mechanics

How do you know which flights are most likely to have a schedule change? Look at both current flights and historical flights on a site like FlightRadar24 or FlightAware to see what an airline usually flies, then look for flights in the future with different schedules. Alternatively, take a look at what they’re selling in the near future and extrapolate.

For example, let’s say you want to fly from Salt Lake City, UT to Boise, ID on a Sunday. Currently, scheduled non-stop flights on Delta for Sundays in July leave at:

  • 8:06 AM
  • 11:00 AM
  • 3:45 PM
  • 10:50 PM

In Spring of 2025, the schedule looks almost the same:

  • 8:45 AM
  • 11:00 AM
  • 3:35 PM
  • 5:54 PM
  • 11:00 PM

But, the schedule has a smoking gun – that 5:54 PM flight doesn’t currently exist, and it probably won’t exist by the time Spring 2025 rolls around (#RemindMeOfThisPostIn2025). When that flight is inevitably cancelled, you’ll be able to switch to another day, a different flight on the same day, or if you’ve really got rizz, perhaps even switch to a different airport.

What Could go Wrong?

There are of course caveats:

  • Past performance doesn’t guarantee future results
  • Holidays mess up schedules
  • Football games and major concerts lead to one-off flights
  • Lubbock only has once daily frequencies

The best news is that you can probably play this game with three or four airlines at minimum, so you’ve got multiple shots at getting your way.

Good luck and happy Wednesday!

Honorary travel hacking shirt awarded only to those that can turn an SLC-BOI schedule change into an LAX-HNL flight.

  1. American Express Offers has a targeted card linked offer for a $800 statement credit after spending $35,000 up to three times. This obviously pairs well with hitting spend on 99 employee card phone-in offers. (Thanks to SideShowBob233)
  2. Chase Offers and BankAmeriDeals have a new offer for 10% back on Alaska Airlines airfare of $50 or more booked by June 12, max $45 cash back. 

    The most above board way to game this is to book a non-basic economy airfare, wait 24 hours, and refund it to your Alaska wallet, but gamers gonna game.
  3. Discover has 15% off of gift card redemptions with cash-back balance through the end of June. In general Discover IT’s 5% cash back is worth more than 5% with games as laid out here, and the gameing is even better with Uber.
  4. AirFrance and KLM’s FlyingBlue June Promo awards just dropped exactly like movie theater stock this week. US to Europe promo award flight cities have economy awards starting at 15,000 points to and from:

    – Boston
    – Washington DC
    – Houston
    – New York (JFK)
    – Phoenix
    – Seattle

    I’m also seeing sporadic availability for business class redemptions to Europe at 50,000 miles from Phoenix and Seattle, the two cities on the list that I checked.
  5. Avianca LifeMiles has a 15% incoming transfer bonus from American Express Membership Rewards points through June 30. The terms give them 24 hours to post the bonus miles, but they’ve been coming more quickly in practice.

    LifeMiles still has great sweet spots for Business Class flights from the US to Europe for certain city pairs, and for general weirdness on most routings. One of my personal favorites is to throw an economy flight that I’m not planning on taking onto the end of a business class ticket to reduce the cost of the redemption.
  6. The Chase United MileagePlus Explorer card currently has a targeted relatively mediocre bonus of 70,000 MileagePlus miles after $3,000 spend in three months, but the first year’s annual fee is waived in the current iteration of the offer. You may need to go through a United booking flow or try different browsers to see the offer. The all-time high for this card was 100,000 miles.

    Why bring it up? If you think you might want it, either wait until this is available via referral which will likely be in the next week, or wait until the next time 100,000 mile rolls around unless you have a specific need for this card (like for XN availability). Don’t jump yet just because lots of bloggers are talking about it.
  7. Emirates reduced the cost of many of its economy award redemptions. The catch? You’re still flying economy.

By popular request, BankAmeriGuy makes another appearance to celebrate today’s Alaska BankAmeriDeal.

First some churning news:

  1. Kroger’s online gift card store seems to have changed its gift card supplier to Pathward. Up until a couple of weeks ago you could buy both physical and virtual Mastercards and Visas issued by US Bank at Kroger’s online store, and as of at least yesterday, they sell only Pathward virtual Visas. The fee is $5.95 per card and they still earn fuel points.

    I didn’t expect May to end with a #bonvoyed from Kroger, but here we are.
  2. Holding Chase deposit accounts has a complex relationship with churning:

    They help unlock cards when you’re brand new
    They can lead to credit card bans quickly and unexpectedly

    Given the first bullet point, new churners may be interested in a $750 business checking bonus with Chase that requires funding $30,000 within 30 days, holding for another 60, and completing five transactions (five back-to-back Amazon debit card loads will do). The $30,000 deposit will help with card approvals too, just be sure to close the account before you dive in too deep.
  3. Kroger has a 4x fuel points promotion on third party gift cards other than Amazon on Friday only. The third party gift card resale market is still soft from Pepper Rewards, but it’s already starting to recover and we expect Pepper to send the gravy train crashing into a mountain next week.

And some airline news:

  1. AA tried to eliminate mileage earning and Loyalty Points earning on tickets booked through non-preferred travel agencies, and that was most recently supposed to start with tickets booked in July. CEO Robert Isom, fresh from bingeing to the Tortured Poets Department, said “So Long London” to that plan and to the Vasu Raja, the executive that spearheaded many recent AA changes that haven’t, uhh, paid off.

    They’ve also lowered 2024 revenue guidance due to weakened domestic demand, (cough I wonder why).
  2. Southwest quietly raised the price of EarlyBird check-in to between $15 and $99, and the price of at-airport upgraded boarding to between $30 and $149. This begs the question, why ever fly Southwest without elite status when there’s another option? (Thanks to DDG)
  3. Breeze Airways expanded its route network with flights from seven Eastern US destinations to San Diego, CA. Apparently this launched a week ago but I missed it, so when news is late to me, I guess it’s late to you too. Sorry not sorry.

Happy Thursday friends!

Kroger also silently replaced their ground pork. Does this count as #bonvoyed too?

  1. Last week two Hilton no-lifetime language offers surfaced on Hilton personal cards, and DDG notes that there’s now one for the Hilton Aspire personal card too.

    Hilton Aspire (NLL, new): 175,000 points after $6,000 spend in six months
    – Hilton Surpass NLL: 130,000 points + Free Night Certificate after $3,000 spend in six months
    – Hilton Honors NLL: 70,000 points + Free Night Certificate after $2,000 spend in six months

    Remember that contrary to churning wisdom, AmEx NLL links don’t govern whether or not you’re going to get a bonus. Instead, the pop-up does. NLL links are special though because they’re less likely to give a pop-up. Also note that sometimes you can get around a pop-up with trickery, but only sometimes.
  2. Alaska Air has a paid and award fare sale through Monday, and there are some gems:

    – Transcon flights pricing at 9k miles
    – Short-haul to Mexico pricing at 4.5k miles
    – Hawaii flights pricing at 9k miles

    There’s lots of space available August through October, and some availability in November before Thanksgiving.
  3. American Express has targeted offers for opening new business checking accounts through July 31. Both require the funds to be deposited within 30 days and held for another 60. You also need five eligible transactions, which for me means five scheduled ACHs of $1.00:

    50,000 Membership Rewards: $7,500 deposit
    70,000 Membership Rewards: $15,000 deposit

    There are two common fallacies that many churners share: (1) Raisin day doesn’t exist, and (2) there’s no way to get this bonus multiple times. (Thanks to DoC)

The Raisin Day lobby has a point.

  1. Do this now: Register for Wyndham’s promotion for stays booked by August 31 and completed by September 3. The maximum bonus for the promotion is 15,000 points total, and can be earned by:

    – 2 night stays: 7,500 bonus points
    – 3 night stays: 12,500 bonus points
    – 4+ night stays: 15,000 bonus points

    Vacasa bookings don’t count, and existing bookings don’t either so you’ll have to rebook anything already planned.
  2. Chase Offers has a few card linked gameable offers:

    – 10% back on $50+ at Southwest on up to $400 in spend
    – 10% back on $100+ at Four Points by Sheraton on up to $570 in spend through July 1

    I’ll personally be spending 30 seconds today to remember the loss of Starwood and its SPG program to Marriott, in case you were wondering.
  3. Virgin Atlantic devalued partner ANA business class awards to Japan:

    – West Coast to Japan: From 45,000 points to 52,500 points
    – Central or Eastern US to Japan: From 47,500 points to 60,000 points
    – Hawaii, Indonesia, or India to Japan: From 35,000 to 37,500

    Inflation affects cash prices for hotels and airlines; that typically means it’s going to affect points prices too since your earning is often based on cash spend, which inflates. So, minor devaluations like this can be expected every few years as normal course of business. Of course major devaluations don’t get to hide under the inflation blanket.
  4. Chase’s Memorial Day weekend surprise is that targeted mailers for a $1,500 sign-up bonus after spending $10,000 on the Ink Business Premier have resurfaced after a winter hiatus. If you didn’t get a mailer, the offer is also available in branch by talking to a friendly business banker, and the targeting criteria for in-branch is much looser.

    These will probably appear this week in the “Just for you” section of the Chase app and website too in case you didn’t get a mailer and don’t want to go in branch because going in branch is hard. (Thanks to DDG)

Have a nice holiday friends!

The other version of a Memorial Day surprise.

It’s a roller coaster today friends.

  1. Cardless has launched its co-branded Avianca Lifemiles cards. Both are third party American Express cards which are typically interesting in their own rite, and both give you Star Alliance Silver which isn’t even good for a free checked bag. Both Elite also gives you a complimentary Lifemiles+ Lite subscription which gets you a 10% rebate on award bookings. The cards:

    Lifemiles:
    – 40,000 miles after $3,000 spend in 90 days
    – 2x on groceries and restaurants
    – $99 annual fee

    Lifemiles Elite:
    – 60,000 miles after $4,500 spend in 90 days
    – 40,000 more miles after another $20,500 spend in the first year
    – 2x on groceries on restaurants (with a negligible bonus at times)
    – $249 annual fee

    Unless you have special American Express shenanigans, both of these cards should probably be a pass. Just get an American Express, Capital One, or Citi card with better benefits and earning potential that can transfer to Lifemiles instead.
  2. Chase has targeted mailers and in-branch business bank offers for 120,000 Ultimate Rewards on the Chase Ink Unlimited card. Typically these targeted mailers and in-branch offers bypass 5/24 and work up to 8/24.

    Side note for those of you who don’t concern yourselves with social constructs like account longevity: You can also often buy mailers on ebay.
  3. Southwest has a companion pass promotion that’s a little too specific:

    Register for the promotion
    – Book two one-ways or one trip by tomorrow night, but they can’t be 100% points bookings
    – Travel to and from Hawaii in June or July
    – Earn a companion pass valid from October 5 to November 15

    Existing bookings don’t count, and the companion pass travel period is rather lame too. In other Southwest news, yes you can find Southwest on Google Flights now, and yes every blogger out there will right no fewer than one articles about it, even though if you’re a regular Google Flights user you’d discover it yourself really quickly. Hooray for capitalism right?
  4. Giftcards.com is currently 2.5x on the AA shopping portal, and 2x on other major airline portals.

    These are Pathward gift cards.

A MEAB reader prepares for today’s post; picture snapped before disappointment set in.