Category: Credit Cards

  1. VanillaGift.com has 50% off of Visa gift card purchase fees using promo code 50HOLIDAY22. You may want to note this code in a log somewhere, because codes at that site sometimes live for nearly a year after their intended lifespan, and definitely don’t use an American Express card here. (MSN Flyer)
  2. Watch for Chase Ink Preferred physical mailers sent to your address that direct you to chase.com/GetInkPreferred with a referral code. The sign-up bonus using these mailers is 100,000 Ultimate Rewards after $15,000 in spend in three months. An anonymous contributor told me that they may bypass 5/24, and I applied after one came in the mail for me late last week; I was approved well past 5/24 🎉.
  3. Staples has $200 fee free Mastercard gift cards in store through Saturday, limit eight. Remember to try for multiple transactions back-to-back to maximize your time, and also remember that these are Metabank cards so have a plan in place.
  4. Chase is running a few transfer bonuses for Ultimate Rewards partners starting tomorrow and running through the end of November:

    – Aeroplan: 30%, or 40% under certain circumstances*
    – Virgin Atlantic: 30%
    – Marriott Bonvoy: 40%

    The first two of these are great and the last one is a terrible deal in most cases (book stays through the travel portal instead or cash out via Pay Yourself Back and buy Bonvoy points directly for better value).

    * Miles notes that the Chase Aeroplan card is supposed to give 10% back when you transfer 50,000 miles or more, up to 250,000 back per year.

  5. If holding United Airlines Silver status through the end of February 2023 is interesting to you, you can get it free for by downloading the Bilt mobile app, registering for an account if needed, and then:

    – Open the app
    – Navigate to the “Rent Day” tab
    – Click “Learn more” under “Unlock United Airlines Premier Status”

    Is this worth anything? Not much, but something: You may get an economy plus upgrade for you and companions at 24 hours prior to flight departure if there’s one available, and there’s a chance roughly equivalent to winning the lottery on the same day that you’re struck by lightning that you’ll get an upgrade to first class. The most likely benefit is really that you’ll get an extra four miles per dollar on paid tickets and a free checked bag.

  6. The Target Redcard $80 ($40 in-store and $40 online) sign-up bonus is back through December 10, which is long enough that you should be able to get it at least twice. See this article for why you should care.

Proof that a first class upgrade as a United Silver can happen.

UPDATE: MSN Flyer reports that American Express charged a cash advance on a purchase at vanillagift.com as well. The issue appears wider spread than we thought and is a troubling development.

American Express is historically very forgiving with cash-like purchases, seeing a cash advance show up on a statement is effectively unheard of unless you visit an ATM, run a bank teller cash transaction, use it at a casino, or for a payday lender transaction. In fact, I’ve never seen a cash advance on any of my American Express cards in my manufactured spend history, even when the merchant sells nothing but gift-cards or when buying literal currency from the US mint.

There’s something rotten in Denmark Manhattan though: There are now two reports of a cash advance fee being charged at a mostly under-the-radar Mastercard gift card online retailer when using an American Express. One of the reports from includes a screenshot of the transactions. (Many thanks to reader Nick)

I haven’t purchased gift cards from this retailer in several weeks so I don’t have a datapoint of my own, but I can say that this retailer has been wonky with American Express for about two months. Some of its quirks:

  • Requires AmEx SafeKey, but only sometimes
  • Orders occasionally pass SafeKey but then sends a failure to the retailer
  • SafeKey tokens can leak to or from other sites
  • Pending charges started appearing with a merchant name of “OTH MISC” or was blank, and the name only corrected when the charge actually posted.

Was the cash advance charge intentional on American Express’s part? I’m honestly not sure, I think it’s equally likely that the vendor messed up their merchant account in some other way that caused the cash advance and it may be fixed in a few weeks. Also, recall that historically when American Express is sick of manufactured spend at a particular retailer they just stop awarding points but still let the transaction through rather than charging a cash advance fee, like with Simon.com purchases, so it’s an odd turn to blatantly charge cash advances on a similar retailer.

Regardless of the cause, watch your American Express manufactured spend charges closely for the next couple of months until we get a better handle on what’s up.

The plumbing between a certain gift card vendor and their merchant processor.

  1. The American Express 99 employee card bonus frenzy has only been available on the Hilton Business, Marriott Business, and Lowe’s Business cards for the past several months, but as of the end of last week the offers are back on other cards too. Current reports:

    – Blue Business Plus: 5,000 Membership Rewards for $1,000 in spend per card [new]
    – Blue Business Cash: $50 statement credit for $1,000 in spend per card [new]
    – Hilton Business: $50 statement credit for $1,000 in spend per card
    – Marriott Business: $50 statement credit for $1,000 in spend per card
    – Lowe’s Business: $50 statement credit for $1,000 in spend per card
    – Green Business: $50 statement credit for $2,000 in spend per card

    The roman numeral trick is still alive and well, and means each of these cards is worth another $4,950 (or 495,000 Membership Rewards) bonus in your pocket.

  2. Check for targeted email from Barclay’s for increased earnings on business and consumer cards through the end of the year or the beginning of next year. A few samples:

    – 5x AA miles on grocery, drug store, and restaurant purchases up to $700 spend
    – 5x JetBlue miles at convenience stores, up to $700 spend
    – 10x Old Navy points, uncapped
    – 5x Wyndham points on grocery, drug store, and restaurant purchases up to $700 spend

    I got none of these. (Thanks to Sideshowbob233)

  3. Check your American Express offers for the following:

    – $75 back after $300 spend at IHG Intercontinental, Kimpton, or Hotel Indigo properties
    – 25,000 Membership Rewards after $1,000 spend at Royal Caribbean cruises

The “American Express employee card bonus offers” remorse shirt.

  1. Bank of America has a promotion on Saturday, November 5 for an extra 2% back or 2x bonus miles on all non-cash advance purchases, which really means any normal spend or normal manufactured spend. In preparation:

    – Open another round of Bank of America cards as soon as possible
    – Make sure your credit lines are paid off by November 3rd
    – Set aside time on November 5th to maximize your earnings
    – Bypass the Preferred Rewards 90 day waiting period by opening a business account in branch and asking to be part of the program

    And some related but general advice prosthelytized by Sam and Robert at Milenomics: You should always be ready with a basic game plan for when a big event like this lands so you can spring into action.

  2. Giftcards.com is back up to 8% cashback on the mobile Capital One Shopping portal. Just watch out for the $2,000 gotcha.
  3. Kroger online has $10 off of $150 or more in Visa or Mastercard gift cards through Tuesday
    with promo code OCT2022, and you’ll earn fuel points to boot. While Kroger offers better cards in-store, the online variety is Metabank. (Thanks to GC Galore)
  4. Shop n’ Save stores have $10 off of $100 in Visa or Mastercard gift cards through Wednesday, limit five per account. These are also Metabanks. (Thanks again to GC Galore)

I can’t argue that this isn’t a plan, but it’s not exactly what I had in mind.

  1. Somehow I missed posting the giant Public brokerage sign-up bonus that works even for existing account holders and runs through December 31. You have to transfer non-retirement account equities, and a cash deposit won’t work. The bonus tiers:

    – $150 bonus for $5,000 transferred
    – $500 bonus for $25,000 transferred
    – $2,000 bonus for $100,000 transferred
    – $5,000 bonus for $500,000 transferred
    – $10,000 bonus for $1,000,000 transferred

    You have to keep the equities or the proceeds from their sale at Public for six months or you risk a bonus clawback. I’m conflicted about what to do with this one because public doesn’t support options, margins, forex, mutual funds, or bonds. (Thanks to Mark S for noting the lack of a post)

  2. Redditor professor_doom shares a great tip for making the airbnb booking process sane: Do all of your searches from airbnb.com.au to see a total booking price including cleaning fees, service fees, and resort fees from the main page.
  3. There’s a Chase Offers and BankAmeriDeals offer for 10% back up to $47.50, or 15% back up to $67.50 back with Alaska Airlines. You can game these without even playing the break the correlation to game or being a Jedi. (Thanks to DoC)
  4. A few updates on the yesterday’s Chase Sapphire Reserve 80,000 Ultimate Rewards vs Ink Preferred 100,000 Ultimate Rewards hot-take based on your feedback:

    – If you have access to a targeted 80,000 Chase Sapphire Preferred bonus and are below 5/24, the heightened Reserve bonus is probably above the line for a Modified Double Dip

    – If you’re 3/24 or below and haven’t had a Sapphire bonus in the last 48 months, yes, it could make sense to get both this card and an Ink Preferred. Follow-up question though: Are you missing out on other bonuses by being that low, could you be doing more?

    – The Reserve has a $4,000 spend requirement, while the Ink Preferred has a $15,000 spend requirement. If you don’t have easy access to $15,000 in spend, the Reserve is an easier win. Follow-up question: Can you get access to more spend?

Forget “Three For Thursday”, bring on “Quadsday”. Actually never mind, I didn’t think that one through.

Buckle up, there’s a lot going on today:

  1. Southwest has 20% off of award tickets booked through tomorrow for travel through December 15 using promo code SAVE20NOW. There are blackout dates for when you might want to travel most, November 18th through 23rd and November 26th through 29th.

    If you have any existing award tickets for the same travel dates, this is a good opportunity to reprice and see if you can get a partial refund on points.

  2. The Chase Sapphire Reserve has an 80,000 Ultimate Rewards sign-up bonus and it seems like the miles and points hive mind can’t stop saying things like “ZOMG much point! Very reward!” about this bonus. I’d say it’s skippable because:

    – The Ink Preferred has a 100,000 Ultimate Rewards sign-up bonus, a much lower $95 annual fee, an easier approval, and is churnable
    – The Sapphire Reserve isn’t churnable, at least not more than once every 48 months
    – The Sapphire Preferred sign-up bonus is currently small, so a Modified Double Dip with the Reserve and Preferred isn’t compelling
    – The Sapphire Reserve goes against 5/24

    The major use case for this card is 1.5 cents per point using Chase Pay Yourself Back, and unless you’re cashing out more than 500,000 Ultimate Rewards per year you’re likely better off with another card. Don’t feed into the hype.

  3. Capital One has a 30% mileage transfer bonus to Virgin Red through the end of the month (Virgin Red can be linked to Virgin Atlantic’s Flying Club and the miles then work for either). Sweet spots:

    – Business class to and from Europe
    – ANA first or business class to and from Japan

    (Thanks to FM)

  4. American Express has an offer for $300 back after spending $1,500 at the Qantas US site by November 30. Don’t forget about tricking it by breaking the correlation if your travel plans don’t pan out.
  5. Chase has a tiered brokerage bonus for opening a new account and bringing new funds or securities (see The Daily Churn for details on transferring securities to get bonuses without selling stock and creating a taxable event):

    – $25,000: $125
    – $100,000: $300
    – $250,000: $625

    Normally you should stay as far away from non-credit card Chase products as you would from a rabid giraffe with monkeypox, but because this is a brokerage account and because of how US banks comply with the Volcker Rule, I don’t believe this bonus is a risky proposition in the absence of a margin account.

  6. There’s a heightened sign-up bonus of 85,000 miles for the Citi AA Executive card being advertised in some Admiral’s Club lounges, which beats the current public offer by 5,000 miles. (Thanks to Welcome Offer via MEAB Slack)

The travelsphere talking about the Chase Sapphire Reserve 80,000 Ultimate Rewards Bonus.

  1. The current Staples fee free $200 Visa gift cards promotion that was set to expire over the weekend has been extended through Saturday of this week, and the limit is still eight. The cards are also still Metabank, so have a liquidation plan in place and note that there are from home and in-person liquidation plays that work.
  2. There’s a Chase offer for 20% back up to $50 at Quill.com, which is $250 in spend for those of you who can’t or won’t math. Quill.com sells Visa gift cards, though they’re still Metabank no matter how you math.
  3. Lowe’s is running a promotion for a $15 Lowe’s gift card with each $200 Mastercard gift card purchased through Wednesday (though it is limit of two per email address, but you have a few of those I’m guessing?) The resale rate on a $15 Lowe’s card is between 85% and 89%, so you’ll make a little more than $6 after the activation fee for each $200 gift card purchased. Alas, these are Metabanks too.
  4. The dying Morgan Stanley American Express Platinum card has a heightened sign-up bonus of 125,000 Membership Rewards after $6,000 in spend in six months. Remember, there are a few obvious and at least one non-obvious reasons that this card is interesting. Also, you can feel fake bougie when you throw down a Morgan Stanley embossed Platinum card.

    You can still be eligible to for this card by opening a Morgan Stanley Access Investing account and funding it with $5,000 with this backdoor application link.

  5. Check United MilePlay for a personalized promotional offer. For me, I got “Book and take a trip one time to get 2,500 bonus miles”, and in the fine print it says the trip must cost at least $300. So, big meh.
  1. Do this now: Link your Delta SkyMiles and Starbucks accounts for 500 SkyMiles and 150 stars after making a purchase with Starbucks before December 31, and then ignore all the fluff pieces you’ll see about the partnership in the next week; other than linking there’s nothing here worth your mental bandwidth.
  2. The American Express Business Gold 130,000 Membership Rewards sign-up bonus after $10,000 in spend in three months is now available via referral. As usual with American Express, to find the best offers:

    – Try multiple browsers
    – Connect to a VPN
    – Check mobile and desktop
    – Check with incognito
    – Check logged out and logged in

    And if it wasn’t a referral offer, you should also try arriving at the bonus landing page by searching for “American Express Business Gold” on several different search engines and clicking the first link.

    The current best referral offer I know of gives 30,000 Membership Rewards and an additional 4x on travel and transit for three months on up to $20,000 in spend for the referrer, which potentially makes this offer a total of 110,000 additional Membership Rewards for the referrer on top of 130,000 Membership Rewards for the referred (!).

  3. US Bank has a $500 bonus for a new personal checking account using promo code 2022OCT, provided you haven’t had a personal checking account at US Bank in the last two years or received a US Bank banking bonus in the same timeframe. The requirements:

    – Fund the account with $25
    – Direct deposit at least $6,000 twice (see The Daily Churn for ideas on fake direct deposits)
    – Enroll in online banking

    If you’re not in US Bank’s footprint, open a brokerage account with them and you’ll then be eligible for a checking account and bonus. (Thanks to DoC)

  4. Check your Chase offers for 10% back on Southwest purchases, up to a total of $50 back. This is reportedly available even on Chase co-branded Southwest cards.

Where the Starbucks Delta news belongs after you’ve linked your accounts.