Category: Credit Cards

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

By popular demand we’ll have at least a few guest posts during the break. If you’d like to write one, please reach out, I’d like to find guest posts for the whole break!

  1. Do this now: Register for 5x categories on quarterly cards:

    – Chase Freedom and Freedom Flex: Grocery, fitness, gyms, hair, nails, spas, and Norwegian Cruises (welcome to the world of sponsored 5x categories friends)
    – Discover IT: Restaurants, home improvement, and some streaming
    – Citi Dividend: Amazon and some streaming
    – US Bank Cash+: I choose utilities and electronics stores

    I try and knock these out on the first day or two of the quarter so I don’t have to think about them after.
  2. The Citi Shop Your Way Rewards card sent new mid-month targeted spending offers for online spend through January 14, 2025. We’ve seen:

    – 250,000 Shop Your Way Rewards points with $1,000+
    – 200,000 Shop Your Way Rewards points with $750+
    – $70 statement credit with $1,000+
    – $50 statement credit with $750+

    As usual, these stack with other offers. (Thanks to birt, Adam, Lindsay, and Tyler)
  3. Giftcards.com has 10% off of its own gift cards through December21. These cards can be used to buy other, third-party fee-free gift cards on the site with promo code EPICGIFT. These probably won’t track on shopping portals when you buy them, but when you use them on another purchase that’ll probably track. There are several credit cards that earn 3x on giftcards.com.
  4. Answering a few of the questions we asked on Friday with American Express’s new Business Platinum $50 quarterly Hilton credit:

    – Will this work with HiltonGiftCards.com? Yes
    – Will this work buying gift cards at a hotel? Yes
    – Will this work at Hilton restaurant? Usually, watch for a 15% extra hold for tip
    – Will this work for a regular hotel to pay your bill? Yes, depending on the front desk’s skillset
    – Who is John Galt? I dunno; or if I do, I don’t want to talk about it here, why do you ask?

    Also, orange-you glad I didn’t say banana? (That’s called a “long con” friends, at least on internet time scales.)

Yes, I know I deserve this.

  1. Do this now: Enroll your American Express Business Platinum cards in the new $50 quarterly Hilton credit. A quick Q&A:

    – Will this work with HiltonGiftCards.com? Probably
    – Will this work buying gift cards at a hotel? Yes
    – Will this work at Hilton restaurant? Probably, stick to resorts to be sure
    – Will this work for a regular hotel to pay your bill? Yes
    – Is AmEx going to raise the annual fee? Probably not in 2025, but yes
    – Is Dell going away in 2H2025? We can only pray
    – What’s America’s favorite fruit? Banana
    – Did anyone make it this far? Yes

    If you’ve got a bunch of business Platinums, just make sure that you get an email for each card. Sometimes the site enrolls the wrong card, or reenrolls a card that you didn’t select.
  2. Avianca LifeMiles can be purchased for as little as 1.27 cents each with a sale running through the end of December.

    Conventional wisdom in the hobby says “never buy miles except to top-off your account for a redemption.” The wisdom is showing its age when transferable points are cashed out easily into interest bearing accounts, and points costs have dipped below 1.3 cents. For example, yesterday I was looking at an ANA First Class redemption that was 114,000 LifeMiles. I could have paid about $$1,447 to buy those miles directly rather than transferring miles in. Obviously, there’s more to come on this topic in the future.
  3. Southwest has extended its schedule for fall travel including Labor Day weekend through October 1. Booking a cheap flight that’s far out and within two weeks of a more expensive flight that you actually want to take is a great way to hedge booking costs, assuming flight schedule change between then and now.
  4. AA is retooling its AAdvantage program for 2025. The quick summary:

    – New million-miler tiers at four (Platinum Pro) and five (Executive Platinum) million miles
    – Systemwide Upgrades will last through the end of the elite year after March 1, 2025
    – Redeem miles for inflight food, probably at a terrible rate
    – New Loyalty Point awards, all low value

    You still can’t earn million-miler tiers with Loyalty Points, only with flown miles.
  5. Giant, Giant Foods, Martins, and Stop & Shop stores have 8x-10x points on Lululemon and Barnes & Noble gift cards, depending on chain through Thursday, December 19.

$50 breakfast at a Hilton Garden Inn in Lubbock (prolly, I can’t be bothered to fact check).

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

By popular demand, we’ll have at least a couple of guest posts during the break. If you’d like to write one, please reach out!

  1. H-E-B Stores have a $20 H-E-B gift card with the purchase of a $100 Home Depot, Lowe’s, and some other, stupider brands through Tuesday. Scale with multiple H-E-B accounts. Side note: H-E-B is one of the most annoying things that I have to type somewhat regularly.
  2. Chase Offers has 10% back on Frontier Airlines on up to $420 in spend through January 23. Watch for refund policies on Frontier. Side note: Frontier is one of the most annoying airlines that I never have to fly.
  3. The Bank of America Alaska card’s 75,000 miles after $3,000 spend in 90 days bonus is still around. Side note: Yesterday, some bloggers started pushing a 70,000 mile Alaska sign-up bonus instead because it pays them affiliate revenue, and based on the coordinated timing, it’s likely a higher than usual payout too; caveat emptor.
  4. Breeze has a 50% off fare sale with promo code GOALS for flights booked by tonight. Evidently, they saw that the other second tier US airlines had a fare sale yesterday and didn’t want to be left out.

Happy Thursday!

Even this brand of soda is easier to type than H-E-B.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

  1. Do this now: Register for the upcoming Alaska Airlines premium card’s waitlist and earn 500 miles instantly. You’ll also earn a bonus 5,000 miles if you apply for the card when it comes out using your waitlisted link. Apparently the premium card will have an annual fee of $395 and:

    – Earn 3x on foreign currency transactions and foreign USD transactions
    – Earn 3x on dining
    – Have a “Global Companion” pass for award tickets
    – Have free WiFi vouchers and reduced award ticketing fees

    The card arrives this summer. (Thanks to Esteban)
  2. Many US Airlines are running a holiday fare sale:

    – Alaska award and paid through Monday
    – JetBlue paid through tonight, 25% off with promo HELLO25
    – Southwest award and paid through tomorrow night
    – Avelo $40 off round-trip paid travel through tomorrow night with promo FLY40

    My tea leaves suggest it’s going to be a rough Q1 for second tier airlines, especially Spirit which couldn’t even afford to run a sale.
  3. Two of the three main Incomm gift card sites have new promos (the third one’s promo is still in effect):

    – VanillaGift.com: No purchase fees on $150+ with promo code VGHOLIDAY24
    – TheGiftCardShop.com: No purchase fees on $200+ with promo code HOLIDAY24

    Ok fine, the third one is MasterCardGiftCard.com with promo code NOFEES24. I don’t like repeating a deal, but I guess I can’t leave you hanging.
  4. American Express has a targeting offer for 75,000 Membership Rewards after $6,00 spend in four months on Blue Business Plus no annual fee card, available via your dashboard if targeted.

Happy Wednesday!

A typical MEAB reader left hanging, probably.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

  1. Do this now: Register for Hilton’s Q1 promotion for double points for stays between January 1, 2025 and April 30, 2025.
  2. The Barclays Frontier Mastercard has a sign-up bonus of 100,000 miles after $3,000 spend, Gold elite status, and a $100 flight voucher. You have to have another airline’s co-branded card to be eligible, and you have to spend in either 90 or 180 days, depending on how you interpret the terms and conditions, or more accurately how Barclays interprets the terms and conditions. You can verify your reading comprehension and that your other airline co-branded card is eligible here.

    Make sure to put a reminder in your phone to go verify the other airline co-branded card in Barclays’ systems after you receive the Frontier card. (Thanks to FM)
  3. American Express’s referral bonuses are currently at a relative maximum, and in the last week or so more people have been able to generate the heightened offers. The referrer will get between 15,000 and 30,000 Membership Rewards, and the referred offers are:

    – Business Gold: 200,000 Membership Rewards after $20,000 spend in three months
    – Business Platinum: 250,000 Membership Rewards after $15,000 spend in three months

    It’s ok for P1 to use P2’s referral and vice-versa, and if you don’t have one of those, ask around for a heightened referral offer and make a new churning friend; it’s a great way to network too.
  4. The Daily Churn podcast’s most recent episode discusses two interesting plays combined together that are below surface level but sort-of out in the open, starting at 28:00 minutes in:

    – Gift of College Cards at giftcards.com
    – The Kudos quasi-portal card-linked bonus program (use a friend’s referral code)

    The quick summary is that they’re working well together.
  5. American Express has a new Membership Rewards to JetBlue 25% transfer bonus through December 31, which makes the transfer ratio 1:1. You’ll often do better booking with a Business Platinum though.
  6. A PSA and warning: American Express links that were put together artificially by combining multiple offer components in an unintended way keep finding their way onto public blogs, which is ok, but they’re not labeled or explained as manufactured artificial links. My suggestion: Always know the provenance of no-lifetime language links that you’re using. DDG has appropriately labeled this recently, but not all bloggers are doing so. What’s the link? This time it’s a 100,000 Membership Rewards personal Gold link with a $6,000 spend in six months requirement, but others have surfaced over the last couple of months for Business Golds and Business Platinums too.

    How risky are these links? It’s been over 6 years since there were reports of adverse action for using unintended links, so the risk is probably low, but I don’t like when you’re not told that you’re taking a risk with a manufactured link, even if it’s low. One day of course American Express may decide that it doesn’t like people making links themselves in ways never intended to work. Since no one asked my opinion: The risk isn’t worth it at 100,000 points, but if it were 80*270,000 points we’d be having a serious conversation.
  7. Spirit Airlines has a status match to either Silver or Gold that lasts 90 days, and a there’s a fast-track challenge to hold it for longer (I imagine the challenge won’t make sense for any of you unless your name starts with an “S” and ends with a “hay”). Status doesn’t let you pick a big front seat for free, but it does waive plenty of other fees.

Breakage from failed reading comprehension illustrated.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

  1. Do this now: Register for Chase’s giveaway of one million Ultimate Rewards. You can bot enter once per day through the end of January. There will be 10 winners in March, and they might as well be you guys.
  2. Target has its annual 10% off of Target gift cards sale tomorrow and Sunday, limit $500 per Target Circle account. A few notes about this deal:

    – You’re now limited to one per Target Circle account, so I guess get more of those?
    – Pepper has pushed the resale value of $500 Target cards to about 90-91%
    – Target RedCard 5% discounts won’t work
    – DiscoverIT cards have Target at 5% in Q4

    This deal scales somewhat easily in store, but historically Target gift card resale prices dip after this sale in December and don’t recover until mid-January.
  3. Chase Ultimate Rewards has a few transfer bonuses through January 15, 2025. Ordered by longest transfer partner program name to shortest because sometimes aesthetics matter:

    – AirFrance / KLM FlyingBlue: 20% bonus
    – Air Canada Aeroplan: 20% bonus
    – IHG One Rewards: 70% bonus

    It’s easy to get great value out of the top two programs, but hard for the third.
  4. Staples stores have fee-free $200 Visa gift cards starting Sunday and running for two weeks through December 21.

    These are Pathward gift cards.
  5. The Shop Your Way Rewards portal has a 5% discount when redeeming points for Visa gift cards through December 31. You’ve probably earned these points from a Citi Shop Your Way card, but it is technically possible to earn them by buying stuff at Sears.com too.
  6. Chase Offers has an offer for 10% back on AirCanada purchases of $100 or more, limit $40 cash back. Game? Yes, game.
  7. Giant, Giant Foods, Martins, and Stop & Shop stores  stores have 3x points on Visa gift card purchases through Thursday, December 12, limit $2,000 per account except at Giant, where the limit is $1,500 per household, because they also ordered their limits by name length presumably for aesthetic reasons.

    These are Vanilla gift cards.
  8. VanillaGift.com has a promotion for a bonus $10 Visa gift card with the purchase of $100+ in Visa gift cards. Side note: Yes this is a nice return in absolute percentages, but have you ever tried to drain a $10 Vanilla Visa card?

    These are (obviously) Vanilla gift cards.

Have a nice weekend friends!

Even tool manufactures arrange for aesthetics, don’t judge.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

What happens with your points when a major bank shuts down your accounts? If you’re in New York, you’ve got 90 days by law to redeem your points, though the options for redemption may change on shutdown. If you’re not in New York, here’s what the landscape looks like:

  • Chase: You’ve got 30 days to redeem or transfer your miles
  • Capital One: Your miles are immediately redeemed at 0.5 cents per mile
  • American Express: Your points are forfeited at the end of the business day
  • Citi: Your points are forfeited at the end of the business day
  • Wells Fargo: Your points are forfeited immediately

With American Express and Citi, if you’re quick at noticing the shutdown, you can call their redemption departments immediately and likely get your points redeemed or transferred out. The phone numbers for each:

  • American Express Membership Rewards: 800-297-3726
  • Citi ThankYou Points: 800-842-6596

If your points are forfeited, you may be able to mediate or litigate to get your points back, but of course I’m not a lawyer and I’m definitely not your lawyer.

Good luck and stay safe!

Captured: The moment a Membership Rewards bucket drains.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in something else.

  1. American Express Membership Rewards has a 40% transfer bonus to Virgin Atlantic through December 31.

    Virgin Atlantic currently has good availability to and from Europe on their own metal, but surcharges are rather high for business class. If you’re booking that, I’d think of it like buying a cheap coach ticket with cash and using miles to upgrade to business. Either that or just cry.
  2. Southwest has an award sale for flights booked by Thursday with promo code CYBERSALE for travel between January 7 and March 5.

    You can’t apply this to existing bookings, but you can check the price, then cancel and rebook with the promo if the price is lower. Since “on Southwest every seat is first class”, I guess that means first class is included in this sale?
  3. United has an international award sale for co-brand card holders for economy travel booked by Friday for travel between January, 2025 and May, 2025:

    – Mexico, the Caribbean, and Bermuda: 12,000 MileagePlus miles
    – Hawaii for 13,000 MileagePlus miles
    – Spain and Morocco: 25,000 MileagePlus miles
    – Asia and the South Pacific: 35,000 MileagePlus miles

    I didn’t find any business class discounts though, so will I be taking advantage of the sale? I don’t understand the question, and I won’t respond to it.

Happy Tuesday!

Southwest crew takes advantage of cyber-monday deal on first class fog machines.