Category: Credit Cards

  1. Office Depot OfficeMax, in addition to having the most cromulent retail store name in the United States, has another $15 back on $300 or more in Visa gift cards sale running through Saturday. As usual:

    – Try for multiple transactions in the same trip
    – Use multiple Dosh accounts, one per credit card for an additional 2% back
    – Buy the Everywhere variety of cards for a lower overall cost

    Note that these are Metabank gift cards, and that the Everywhere variety doesn’t actually work everywhere because truth in advertising. (Thanks to GC Galore)

  2. American Express has a few interesting targeted offers:

    – $60 back or 6,000 Membership Rewards on $300 in Delta gift cards
    – $100 back on $500 or more at Hyatt hotels in Mexico
    – 20% back up to $250 in spend at Marriott properties in North America

  3. Giant, Martin’s, and Stop & Shop stores have 8x points on Happy and Giving Good gift cards purchased through Thursday, limit $2,000 per account. Some of these cards can be converted to BestBuy and Home Depot gift cards, which means those of you living in New England outside of Kroger’s footprint can have some fun with third party gift cards too.
  4. Get 2,400 Wyndham Rewards points and $0.35 by downloading the Bakkt mobile app, linking your Wyndham account for 1,000 points, and redeeming 100 points for $0.35 in cash for another 1,500 point bonus. Afterword, delete the Bakkt app because feng shui on your phone demands it.

Pictured: A feng shui phone captured immediately after deleting the Bakkt app.

Introduction

Most credit card shutdowns from any bank can be attributed to one of the following:

Citi’s Special Behavior

Citi is its own kind of special when it comes to shutdown triggers, and we should chat about Citi shutdowns because it seems to be on our collective conscience right now:

Unlike most other banks, Citi hasn’t automated its rules for shutdowns and you can’t get around most of its automation with slow ramp-up and similar gaming. Instead, Citi’s algorithms for everything except spend patterns are largely rigid and exclusively for flagging accounts for human analysis. It’s always up to a human to determine whether or not your account stays alive once you’ve been flagged.

The Impact

Citi’s human analysis means that when you look surface deep you’ll find certain conundrums. My favorite is that some churners report cycling Citi credit lines without any issues, and you’ll find other reports of shutdowns after accidentally cycling credit lines by a few hundred dollars. A similar story comes up with bill pay services like CheckFreePay, and the list goes on.

When you dig a bit deeper with the knowledge that Citi shutdowns are human based, you’ll find that all of these reports are probably true. The real shutdown trigger at Citi is if your transactions look suspicious at a glance when an analyst examines your account. Repeated $200 payments don’t look normal and will probably lead to a shutdown, but four invoice payments to a legitimate business with one-to-two sizable payments in the middle is probably fine even if credit lines are cycled.

Avoiding Shutdowns

Thus, to avoid shutdowns with Citi, you’ve got two options, but only one of them is needed to keep you alive:

  • Don’t get an analyst looking at your account
  • Don’t have a strange looking transaction history

Personally, I shoot for the former always, and the latter to the extent possible. Either way you’ve got options.

Good luck!

Inside view of the server responsible for Citi’s suspicious credit card behavior algorithms.

  1. Southwest will now let you buy an earlier boarding position during online check-in, which pairs well with the annual fee reimbursements from the Southwest Personal Priority orSouthwest Business Performance credit cards. (Thanks to Brian M via MEAB slack)
  2. The Capital One Venture card is now showing a targeted 100,000 mile sign up bonus through the pre-qualification tool. The bonus requires $10,000 in spend in the first six months. (Thanks to stillwaters23)
  3. A gentle reminder that the current best Chase Sapphire Reserve offer is 70,000 Ultimate Rewards as long as you have a Chase account, or 60,000 Ultimate Rewards if not.

    Background: everyone seems to be excited that the Reserve’s referral program is back with 10,000 Ultimate Rewards per referral and a maximum of five referrals per year, but the referral bonus is currently only a 50,000 Ultimate Rewards, so those referrals should only be for your enemies I guess. (UPDATE: Reader Doug notes that his referral offer is 60,000 Ultimate Rewards, so for non-Chase account holders a referral may be a wash)

  4. Stephen at GC Galore notes that Kroger is having another 4x fuel points sale on third party gift cards and fixed value Visa and Mastercard gift cards from Friday through Sunday. At this point I’m nearly speechless on the subject, and I suppose it’s time to be surprised if there isn’t an upcoming weekend 4x fuel points sale.

Southwest’s economy lie-flat seating is easier to get with early boarding.

  1. Amtrak is running an award sale through Thursday for travel through September 30, excluding Labor Day weekend. Many routes are 40% off though some are closer to a 25-30% discount.
  2. American Express has a “targeted” sign-up bonus on its personal Gold card for 100,000 Membership Rewards points after $4,000 in spend. To be “targeted”, try this link on different operating systems, browsers, in incognito mode, and even even a different IP address until the offer appears. (UPDATE: Corrected link, thanks to Shashank)
  3. You can buy 2,000 AA miles for $9.99 by signing up for Homer through the AA portal and cancelling after one month (just set a reminder in your phone). There’s apparently an AmEx offer for $9 back on Homer purchases too. Note that I wouldn’t normally post a deal this small, but the AA Loyalty Points that you’ll earn pushes this slightly above the line. (Thanks to Frequent Miler)
  4. Juno (formerly OnJuno) has been paying 6% on USDC crypto holdings since early this year, which made it one of the best backdoor interest bearing accounts available. On Friday they sent a note that the interest rate is falling ever so slightly to 0% on September 1, which makes the platform largely useless as a place to park money.

    The company also announced in the same message that they’ve raised a Series A financing round. When FinTech companies raise more money, profitable promotions usually come our way, so stay tuned.

A garbage can with the stenciled message: "GARBAGE ONLY NO TRASH"

Juno’s nuanced march to 0% interest rates.

First, a warning: If you’re playing the Kroger fuel points game, use care when creating your accounts and vary all details as much as possible, more information and tips will be coming in the near future as the dust settles. With that out of the way, there are a few items for the weekend:

  1. Do this now: Register for Hilton’s new Q3-Q4 promotion for double points between September 6 and December 31 on all stays and an extra 2,000 points per stay when checkout isn’t on Saturday or Sunday.
  2. The Bank of America AAA card was a sleeper card unless you really knew how to hack it, and when you did know it was good enough to be in the queue as a future MEAB Unsung Hero. Unfortunately, for the second time in a month we’re losing a Hero. This one is moving to Comenity bank and changing its reward structure. The new card will offer uncapped 3% cash back at grocery which great at first glance, but it’s still a big downgrade from the BoA version. (Thanks to Sideshowbob233)
  3. Staples has fee free $200 Mastercard gift cards from Sunday through the following Saturday, limit 8 per transaction (instead of the usual recent limit of 5 per transaction). They’re Metabank gift cards so have a liquidation plan in place. (Thanks to coole106)

And finally a status update for the, *checks notes*, zero of you that asked: I took a voluntary denied boarding for $1,000 on my short, hour-long flight home last night with a replacement seat leaving this morning. Sounds great, right? Well, the airline put me up in a Four Points (Marriott) property. The property is almost completely empty, but I still got a base room on a floor under construction, a room type that wasn’t booked because those rooms were under construction, a view of a FedEx truck parking lot, and the restaurant and fitness center closed because of course construction (#bonvoyed).

Did I come out ahead between the airline and the hotel? Almost certainly, but it still feels like a gentle kick in the pants, which I believe is the sweet spot that Marriott Bonvoy strives for so bravo Marriott.

Have a great weekend friends!

Ok, so this wasn’t my Four Seasons hotel, but it is a Four Seasons hotel.

  1. American Express has a new phone-in-only offer of 20,000 Membership Rewards for adding an authorized user card to a personal Platinum and spending $2,000. This beats the current best online offer that I know of, which is generally 10,000 Membership Rewards for $2,000 in spend, but may be higher for specific accounts.

    To see if you’re targeted, call the number on the back of your Platinum card and say something like “Are there any offers for adding authorized user cards to my account?” because apparently we’re just supposed to know that’s a thing. (Thanks to JayJayHI2000)

  2. Southwest has a fare sale for 40% off of domestic airfare to and from many cities in California using promo code SAVE40. You have to book by this evening and travel between August 23 and February 15 of next year, and of course several holidays are blocked out. The included airports are BUR, FAT, LAX, LGB, OAK, ONT, PSP, SAN, SBA, SFO, SJC, SMF, and SNA.

    Based on discussion in the MEAB slack, eligibility on different flights varies, and some travel represents a true 40% discount, while other cities seem to have inflated fares that are cancelled out by the sale. (Thanks to Brian M)

  3. The Capital One pre-approval tool has a 100,000 miles offer on the Capital One Venture card with $10,000 spend in three months which beats the regular offer by 25,000 miles. Personally though I’d stick with the 250,000 mile Capital One Spark Travel Elite if you can find your way in through a small business banker, and that one won’t affect your 5/24 status either.

If the Spark Travel Elite is an [insert your favorite dinner here], then the Venture is this.

Let’s jump right into it this week:

  1. American Express has another no-lifetime language (NLL) 170,000 Membership Rewards after $15,000 spend in three months Business Platinum link. This seems to be without a pop-up for just about everyone provided that you’re under 10 AmEx charge cards. There’s mixed success of getting multiple using this link and distinct businesses too.
  2. Target’s RedCard sign-up bonus of $80 ($40 online and $40 in-store) for a debit or credit card is back, and remains churnable provided that you wait 10 business days between closing an account and opening a new one. But, this is interesting for other reasons beyond the sign up bonus that justify going for the credit card version too.
  3. IHG has a flash sale and/or broken-IT issue that’s causing many award stays to price at half of their normal cost. Rough pricing:

    – Kimpton: 45,000 points
    – Regent / InterContinental: 35,000-45,000 points
    – Indigo: 30,000 points
    – Crowne Plaza: 25,000 points
    – Holiday Inn / Holiday Inn Express: – 20,000 points

    You can easily buy points at 0.5 cents per point through this evening, and with a few hoops you can always buy them near this price-point with dummy bookings. Now all that’s left to debate is whether there’s such a thing as a Holiday Inn Express that’s worth $100 in points per night. (Thanks to strayersong via VFTW)

You knew this was coming, right? With the IHG sale, you can experience the bright and spacious Holiday Inn Express Lubbock South for only 20,000 points (regular nightly rate: $92)

  1. The Alaska Airlines Business card has an increased 70,000 mile sign-up bonus, made really interesting because there’s no hard-coded limit on the number of these that you can open in a day or on the total number you can have, and Bank of America business cards lack any real churning restrictions.
  2. Staples is again offering fee-free Visa $200 gift cards Sunday through the following Saturday, limit five per transaction. If your Staples doesn’t seem to have any stock:

    – Ask an employee to open the rack and grab new ones
    – Look for another rack behind the customer service desk
    – Look for another rack in the back of the store

    These are Metabanks, so have a liquidation plan. (Thanks to GC Galore)

  3. If you need to cancel a Marriott booking made with a certificate, it:

    – May or may not error out
    – May or may not return your certificate

    There’s a workaround that will reliably allow you to cancel and return your certificate:

    – Visit your reservation confirmation
    – Click “Change”
    – Select the same room type and same dates
    – Choose points when the system asks how you want to pay

    After you’ve done all that, the certificate will be reliably returned and you’ll be able to cancel your reservation, which makes this ever so slightly better than Citi IT.

Candid shot of Marriott’s development staff during reservation management coding sessions.