Category: Credit Cards

  1. Two no-annual fee American Express credit cards have increased sign-up bonuses:

    – Blue Business Plus: 50,000 Membership Rewards after $8,000 spend in three months
    – Blue Business Cash: $500 after $8,000 spend in three months

    You may have to play browser bingo, incognito blackjack, device keno, VPN baccarat, search engine roulette, or wear a two-toed sloth mask to see the increased offer. (Thanks to pizza42bob)
  2. Do this now: Register for an extra bonus for the upcoming Avianca Lifemiles American Express card issued by Cardless. . If you register before card-launch and get the card when it launches, you’ll get 5,000 or 10,000 additional bonus Lifemiles after meeting the sign-up bonus, depending on which card you apply for.

    This is an exact replica of the Qatar Airways Visa waitlist from a couple of weeks ago, but perhaps interesting in a different way because it’s a third party American Express.
  3. Do this now: Register for Best Western’s Summer promotion for 2,000 bonus points per night on up to 50 nights. This is valid for stays through September 2, and booked by Sunday. You’ve got to rebook existing reservations to be eligible too, because Best Western technically hates its customers.
  4. Kroger stores have 4x fuel points on third party gift cards and fixed value Visa and Mastercard gift cards through May 14. I expect that Amazon gift cards are still excluded and will only earn 2x, but the terms aren’t available as of this writing.

    Pepper Rewards continues to keep most bulk gift card brand resale rates low, but fuel points rates have soared. I expect that to continue throughout this promotion too.
  5. In case you’re wondering what the travel outlook is like for Summer, the busiest sustained travel period of the year, the major low cost carriers (not to be confused with the ULCCs) are running Summer fare sales:

    – Alaska, paid fares for for travel between May 21 and June 12 booked by tomorrow night
    – Southwest, for travel between May 12 and November 20 booked by May 9
    – JetBlue, for summer travel (dates unclear)

    The JetBlue sale in particular seems great on certain days; I’m seeing transcontinental Mint flights including flights in the new Mint cabin for about $600, and transcontinental economy fares at around $120.

A churner demonstrates the technique for pulling up heightened American Express offers.

  1. Chase has increased bonuses in-branch for the Sapphire Preferred and Reserve cards:

    – Sapphire Reserve: 75,000 Ultimate Rewards after $4,000 spend in three months
    – Sapphire Preferred: 75,000 Ultimate Rewards after $4,000 in three months plus 10,000 more after $2,000 more in six months

    A couple of notes:

    – A modified double dip is possible in branch if you’re a good social engineer
    – Online or referral variants of these offers will probably show in May
    – I still prefer the Ink Preferred‘s 100,000 points for lots of reasons, and you can get a referral from a friend for that bonus. I do think this card pairs well with a Sapphire Reserve.
  2. BankAmeriDeals has double cash back on some of its card linked offers through May 10. It’s likely worth a dive to see what gameable offers are on your account.
  3. AirFrance and KLM’s FlyingBlue program has a paid status match promotion for several countries. The USA isn’t one of them, but if you can finagle your way into a Canadian address you can play ball for:

    – $79 Canadian for Silver
    – $199 Canadian for Gold
    – $399 Canadian for Platinum

    Why might you care? The answer: free checked bags on SkyTeam flights, lounge access on international SkyTeam flights, and Platinum members have the ability to book La Premier award tickets. So I guess, do you have relatives in Canada that you could virtually move in with, eh?
  4. US Bank has a $800 bonus for opening a business checking account with promo code Q2AFL24, depositing $25,000 within 30 days, and maintaining that balance for 60 days. The effective APR is 19.4%, so probably worth your time unless you’re focusing on the velocity of money. The current terms specify that the business can’t have had an account in the last 12 months to be eligible.

Happy Monday!

Post BankAmeriDeals dive.

  1. Hyatt sent targeted spending bonuses via email and in-app pop-up yesterday. Offers reported:

    – 1,000 – 1,500 bonus points for night multiples, up to 15-30 nights total
    – 20% back on award stays, up to 150,000 points spent / 30,000 points back
    – double or triple elite nights on up to five or ten nights
    – a free night certificate after a two or three night stay
    – double or triple points on up to 30,000 points earned

    Note that many of these require registration by June 6 and have a 90 day window for the promotion runtime, so it probably only makes sense to register the day before your first stay, as long as that’s before June 6. There is a collection of links here, but if you’re not targeted they won’t work.
  2. Southwest’s schedule is now open through March 5, 2025. On an related news item, if you book and board a Southwest flight, you’ll be flying Southwest so know what you’re getting yourself into. (Are they perfectly fine? I mean, mostly – but that’s not high praise.)
  3. The American Express Business Platinum card has a new 300,000 Membership Rewards sign-up bonus after $20,000 spend in three months. To find it, you may need to try all the gyrations:

    – Go incognito
    – Try different browsers, like Brave, Qikfox, Firefox, or Edge
    – Try both desktop and mobile devices
    – Connect to a VPN in various cities
    – Burn an old green employee card in effigy

    (Thanks to Heather)
  4. American Express has a new version of the Delta Reserve and Delta Reserve Business card that’s partially made out of the airframe of an old 747. Existing cardholders can request that version of the card by using the app’s “replace card” functionality, and if you’re not an existing card holder but you really want one, you can get one with AmEx and still be on good terms by either:

    – Applying for a new card, never hitting the sign-up bonus, and closing it within 30 days for no annual fee
    – Upgrading an existing card to a Delta Reserve without an upgrade bonus, getting the 747 card, then downgrading back to your existing card

    Of course if you care enough to run through all of this just for a card made out of an alloy that partially once had metal from a 747’s airframe, you’re an avgeek. Sorry, not sorry.
  5. Kroger online has 5% off of Visa and Mastercards with promo code SPRING24. I was only able to get this to work with physical gift cards, but I could get 10 total cards in a single order with the promotion applied.

    These are US Bank cards, and you’ll earn fuel points for the purchase too. It won’t code as grocery though.
  6. Staples stores have fee free $200 Visa gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards, so have a liquidation plan in place.
  7. Kroger stores have 4x fuel points promotion on fixed value Visa and Mastercards and third party gift cards, but this one is today only. (Thanks to GCG)
  8. Ramp Capital’s corporate charge card program has launched travel partner points transfers with a transfer ratio of 1 ramp point = 0.667 mile. Like the card’s flat 1.5x points per dollar earning structure, the travel partners are completely uninspired. I only bring it up today because reading a couple of sentences about it here will save you from reading a couple of pages about it on a dozen other blogs only to figure out that it’s probably not worth your time. (Thanks to sammyph200)

Have a nice weekend!

The room where it happened: Ramp Capital’s inspiration room for finding airline transfer partners.

  1. Do this now: Register for double points at Hilton properties for stays between May 2 and September 2.
  2. Do this now: Register for free HotelSlash membership using promo code FREE4LIFE. Incidentally, you can mention the same promo code to get into the employee restroom at the back of the Waste Pro Garbage Truck Museum in Florida. In case you’re wondering, yes, that’s a real place and no, I didn’t make it up. (Thanks to FM)
  3. The Chase Aeroplan card has a new, tiered sign-up bonus of 100,000 miles, and the $95 annual fee is not waived for the first year:

    – 70,000 miles after $4,000 spend in three months
    – 30,000 miles after $20,000 in additional spend in 12 months

    The card also earns 3x points at grocery stores, so it’s particularly friendly for manufactured spenders. (Thanks to C-MontgomeryChurns)
  4. Martins, Giant, and Stop & Shop stores have either 2x or 3x points (depending on location) on Vanilla visa gift cards through Thursday, limit $2,000 per loyalty account, and obviously it’s impossible to have more than one loyalty account, right?

    These are either Pathward or Sutton gift cards depending on the store. (Thanks to DoC)
  5. Staples has fee-free $200 Mastercard gift cards starting Sunday and running through Saturday, limit five per transaction.

    These are Pathward cards.

Have a nice weekend!

Display rack at Staples adjacent to the gift cards, or relic from the garbage truck museum? You decide.

In January’s earnings call, American Express said they’d be refreshing 40 products in the coming year, and we’ve already seen some of that with the Delta and Hilton co-brand cards, each of which has new, coupon-book like credits. With new credits come new games:

Monthly Resy Credits

Delta’s Platinum and Reserve co-branded cards now have a have monthly Resy dining credit. In case you don’t want to actually eat at one of those restaurants this month just to save $10-$20, there are options:

  • Buying anything at a Resy restaurant will trigger the credit, whether it’s a gift card, tee-shirt, or stuffed animal
  • Many Resy restaurants are also on Toast, and Toast sells reloadable gift cards online which usually trigger the credit (Anecdotally there’s roughly a 3/4 success rate for whether this works for any random restaurant, but once you find that restaurant, it works consistently)

SideShowBob233 subliminally let me know that there’s a burger themed bath robe sold at some restaurants, so I guess you could look for that too.

Quarterly Hilton Credits

The Hilton Aspire Resort credit has always been slightly gameable, but only slightly. The Hilton Surpass and Hilton Business cards’ new quarterly credits are more gameable though: All the Aspire methods continue to work, but so does buying physical Hilton gift cards online. Note though that Hilton will silent cancel your orders if you do a bunch back-to-back, so treat it like a marathon, not a sprint.

Happy Wednesday!

SideShowBob233 also subliminally let me know about this bath robe, so I guess you’ve got options.

  1. Citi ThankYou Points has a 50% transfer bonus to Accor ALL Rewards through May 11 for Premier, Prestige, and AT&T Access More card holders, making it a 1:0.75 transfer ratio. With points worth slightly more than 2 cents each for hotel redemptions, this transfer bonus means effectively a 1.5 cent per point ThankYou Point value. EDITOR’S NOTE: Yes, the word “point” appeared way too many times in that sentence. Sorry not sorry though, it couldn’t be helped, or at least I didn’t want it to be helped. The writing was already on point.

    Accor Hotels are effectively the European equivalent of Hyatt, though top tier status isn’t as nice. (Thanks to Emily)
  2. The Citi Shop Your Way Rewards Mastercard has new mid-month offers that stack with other offers:

    – $70 statement credit after $750 or more in online purchases
    – $50 statement credit after $750 or more in online purchases
    – $30 statement credit after five online purchases of $100 or more
    – 10,000 ThankYou Points after $1,000 or more in online purchases
    – 200,000 Shop Your Way Points after $750 or more in online purchases
    – 250,000 Shop Your Way Points after $1,000 or more in online purchases

    This card continues to be the best earning no-annual fee card that exists. (Thanks to Jacob M, DC Domer, Roberto, and Mike C)
  3. American Express Offers has an offer for a $200 statement credit with $750 or more in spend at Hyatt’s Secrets resorts by July 14. Gift cards at the front desk continue to be an option to bank this discount for the future.
  4. The Daily Churn discussed a nice RobinHood Brokerage 3% bonus on transferred assets in January. I’ve never posted the deal given the way that RobinHood treated many of us last year, including:

    – threats to liquidate our positions forcibly
    – accounts shutdown and frozen assets
    – blocking ACATS and ACH transfers out of our accounts after demanding that we transfer assets out

    What was our sin? We used the promoted feature of loading funds to our accounts with a debit card, but they retroactively decided they didn’t like that, even if you only loaded once. Why post now then? I’ve heard some excitement over the E*Trade existing user transfer bonus worth up to $6,000, and I want you to know that if you’re considering that, RobinHood may be a better option; but also they’re a terrible company. A wise man once told me “if you’re going to take advantage of a deal, it might as well a terrible person paying the bonus”, so I guess here we are.

Pictured: RobinHood executive breaks into house and takes candy from sleeping child.

  1. Do this now: Register for your personalized United MilePlay offer. I got 7,400 bonus redeemable miles with a $650+ premium fare flight booked and flown by June 7.
  2. 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.
  3. Office Depot / OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday. For best bang:

    – 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.
  4. 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.
  5. 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?

MEAB vibes.

Let’s discuss recent changes in how major credit card churning banks operate today. I believe some of them are indicative of major banks’ views about current state of the economy their outlook for the near future, but I’ll leave it to you to decide which items apply.

  1. Bank of America has been reducing credit lines on existing consumer and business credit cards in a haphazard fashion, whether or not the cards have activity tied to them. They’ve also been notifying people inconsistently about these reductions, some receiving paper letters, some receiving emails, and some receiving no notification.

    I’d suggest checking your existing card portfolio and if you’ve been affected, a call to customer service asking them to reverse the reduction may work.
  2. American Express seems to have undergone a “credit profile reset” last week. The symptoms that lead to that conclusion:

    – Some that have never had call-in offers for employee cards now have them
    – Some that have been ineligible for referral bonuses are no longer ineligible
    – Some that haven’t had access to AmEx Offers now have access
    – There was a single report of being approved for AmEx cards after being locked out for years

    I have no idea if this is temporary or permanent, so I’d take advantage quickly if one of these scenarios maps to you. Always be probing.
  3. There’s been confusion about how banks combine credit pulls:

    – US Bank inquiries will be combined the next business day after pulls
    – Barclays will only combine business inquires with other business inquiries, and personal inquiries with other personal inquiries
    – Bank of America will often not re-pull credit for up to 30 days, but if it does pull multiple times on the same day, it’ll be combined the next business day
  4. US Bank, the most ghetto of all major churning banks, has a few changes:

    – They’ve reduced the overall value of their mid-tier Altitude Connect card
    – Opening a brokerage account used to be a backdoor into US Bank accounts when you weren’t in their footprint. In the last six months or so, there’s been only mixed success with that method, but apparently opening a CD is a workaround

    US Bank remains a great sleeper bank for churning, don’t sleep on that sleeper!

Have a nice weekend!

A churner enjoying a lie-flat trip hears about US Bank cards.