Category: Credit Cards

  1. Some applicants that used Citi Strata Elite’s 100,000 points offer links both online and in-branch are now locked with requests from Citi for a 4506-C income verification form. A few notes:

    – If your application wasn’t wildly different than the 4506-C numbers, you’ll be fine
    – This appears to be a bug in Citi’s IT systems, not a crusade to out churners
    – Going for a double dip with these links increases the likelihood of 4506-C requests
    – The form is available your message center if you’ve enabled paperless statements
    – Both online and in-branch approvals are affected

    For a non-mainstream take on the risk versus reward of using the heightened offer links, see Chasing Cetaceans, my favorite new churning blog.
  2. American Express quagmire elevator games are dead and have been for a few weeks. Based on other system updates, I don’t think they’re coming back either.

    If you don’t know what this means, it doesn’t affect you. #crypticmeab
  3. The Barclays Hawaiian Mastercard and the Bank of Hawaii Mastercard both have increased sign-up offers:

    – Barclays: 80,000 HawaiianMiles after $2,500 spend in three months, use random numbers for promo code
    – Bank of Hawaii: 50,000+30,000 Hawaiian Miles after $2,000 in 90 days and $5,000 in 180 days, respectively

    These miles will become Alaska Atmos miles at the end of the month, and presumably you won’t be able to get either card after that point. You don’t seem to be able to get both versions of this card any more.
  4. Southwest has a nice bonus points and Companion Pass offer that’s targeted, but I think using this link you can register even if you weren’t targeted. The offer:

    – 1 round trip: 5,000 bonus points
    – 2 round trips: 5,000 additional bonus points
    – 3 round trips: 5,000 additional bonus points
    – 4 round trips: a Companion Pass valid between January 6, 2026 and March 6, 2026

    There are also various targeted status shortcut promotions available, check your promotions at the bottom of your My Account page.

  5. Some airline shopping portals have sweepstakes for winning lots of miles and cash, and you can register to enter by logging in at one of the sweepstakes pages (churners have occasionally won these in prior years):

    – AA eShopping: 100,000 miles and $2,500
    – Alaska Atmos Shopping: 100,000 miles and $2,500
    – United MileagePlus Shopping: 100,000 miles and $2,500

    If you do win, you’ll probably need to dispute the value of the miles with the IRS because their 1099 valuations are whack, like Boston born Mark Wahlberg teaching Southern California about Mexican food whack.

Happy Tuesday!

How it’s going: The American Express elevator.

  1. Chase has new targeted offers for both its Freedom cards and United cards, you can check your eligibility at chase.com/mybonus, ideally in a new incognito window for each card. Offers include 3x-5x earning at gas, EV charging, and groceries on up to $1,500 spend through November 30, a fixed bonus on 20 purchases monthly for three months, and 10,000-15,000 bonus points on $3,000-$4,000 spend.
  2. The American Express Delta cards have heightened sign-up bonuses, coming back a short three days after the targeted NLL versions expired. The Gold and Reserve offers beat the last round’s bonuses, while the Platinum cards are each slightly lower. Spend requirements were tweaked slightly too:

    – Personal Gold: 80,000 SkyMiles after $3,000 spend in six months, annual-fee waived
    – Personal Platinum: 90,000 SkyMiles after $4,000 spend in six months
    – Personal Reserve: 125,000 SkyMiles after $6,000 spend in six months
    – Business Gold: 90,000 SkyMiles after $6,000 spend in six months, annual-fee waived
    – Business Platinum: 100,000 SkyMiles after $8,000 spend in six months
    – Business Reserve: 125,000 SkyMiles after $15,000 spend in six months

    All of these are available via referral, and you should use another player’s referral or a churning buddy’s referral when applying. There are also modest upgrade offers for existing cards available.
  3. Iberia Avios has an award sale for economy travel between the US and Europe booked by Thursday for travel between October 1 and December 5. Basic economy fares start at 6,400 miles with decent availability, and regular economy fares start at 10,000 miles.

    Normally you can transfer miles freely between British Airways, Aer Lingus, and Iberia, but that’s currently broken with no official ETA on a fix.
  4. Capital One has two business banking new account bonuses for existing business card holders without an existing Capital One Bank account with promo code Q3BONUS1000. The offers:

    – $500 with $5,000 in deposits held for 60 days (effectively a 60% APR when annualized)
    – $1,000 with $30,000 in deposits held for 60 days (effectively a 20% APR when annualized)

    Both require 10 transactions, but $1 ACHs back and forth will do. These bonuses are churnable every 180 days. (Thanks to DDG)
  5. The Chase IHG Business card has a heightened sign-up bonus of 200,000 IHG points split into two tiers:

    – 140,000 points after $4,000 spend in three months
    – 60,000 points after $9,000 spend in six months

    This card’s annual free-night certificate is for nights up to 40,000 points. The offer is available via referral, so use another player’s or another churner’s referral instead of the public link.
  6. Southwest will have free-WiFi onboard starting on October 24. This sounds great, other than that they’ll still have their legacy inflight internet system which was already really slow when < 10% of the plane was using it. So, I guess each passenger will get to relive the 2,400 baud internet speeds of the early 1990s?
  7. Staples in-store has fee-free $200 Mastercard gift cards, limit nine per transaction through Saturday.

    These are Pathward / BlackHawk Network gift cards.

Happy Monday friends!

Emulating the Southwest WiFi experience at home.

  1. Do this now: Register for Hyatt’s targeted promotion for up to 20,000 bonus points on stays at Hyatt Regency properties through November 23. For the sole purpose of annoying you, they’re making you register through the mobile app though (Account → Offers for You).
  2. The Chase British Airways Visa personal card has increased sign-up bonus of 100,000 Avios after $7,500 spend in six months. The $95 annual fee is not waived in the first year.

    Normally I’d just get an Ink, but there’s value in this card with (1) an award companion pass valid for all cabins on British Airways metal after $30,000 spend, (2) a 10% discount on paid British Airways fares, and (3) a $100-$200 statement credit for award fees per booking, but maxed out at $600 per year.
  3. The Synchrony Virgin Red Mastercard has an increased sign-up bonus of 75,000 points after $4,000 spend in three months. The bonus is only valid through tomorrow night, and is an all-time high. The card earns 2x at grocery, dining, and other less interesting categories.

    If you think this card is a snooze-fest, you may want to take another look, at least if you live near an airport served by Virgin Atlantic or by a Virgin Hotel.
  4. Stater Bros grocery stores have an instant $10 off of groceries promotion with a $50 One4All Ultimate gift card, which can be converted to Home Depot, until October 7 (!). This one requires a physical coupon available both in store and via mailer. (Thanks to GCA)
  5. A quick, unfortunate timely tip for people axed by Synchrony yesterday: Apply for the same card quickly, you’ll probably be approved.
  6. Rove Miles has two hotel stay promotions for your first booking through the platform:

    – 2,500 bonus miles on a $250+ hotel booking with promo code STAYCATION
    – 5,000 bonus miles on a $500+ hotel booking with promo code BACKTOSCHOOL

    Rove already earns 10x-20x miles for hotel stays, so for the right use case there’s value here, but if you’re never paying cash for hotels, this probably doesn’t move the needle. If you’re going to sign-up for Rove, use a referral link and both the referrer and referred will get 1,000 bonus miles and there’s an extra 10% boost on earning for the referrer.

Happy Thursday!

The average churner’s picture of the Virgin Red Mastercard.

  1. There are two new transfer bonuses:

    – American Express: 25% to Hilton Honors, making the ratio 10:25 through September 23
    – Capital One: 30% to Virgin Red, making the ratio 10:13 though October 1

    Both have some value for the right redemptions, neither is outstanding for a ZOMGWTFBBQ transfer.
  2. American Express has more links for adding employee cards (see yesterday for the Delta Business cards and the Business Gold and Platinum cards):

    – Business Green: 15,000 Membership Rewards after $4,000 spend in six months
    – Blue Business Plus: 15,000 Membership Rewards after $4,000 spend in six months

    Remember, there are phone-in offers with higher limits that don’t necessarily match the online offers. Both the online and phone-in offers are targeted per primary account.
  3. American Express also has a targeted offer for adding an authorized user to the personal Gold card:

    – Gold: 10,000 Membership Rewards after $2,000 spend in six months

    These will show up on the authorized user’s credit report if American Express can figure out who they are, and it’s also limited to one per primary account.
  4. Breeze has a promotion for 35% off of round-trip base fares with promo code GOLDEN for flights booked by Friday night and travel between September 10 and January 31, 2026 with some obvious black-out dates around the holidays.

Have a nice Wednesday friends!

The Wednesday Quad comes in hot.

  1. The Citi Shop Your Way Rewards card sent out beginning of month offers via snail mail and email over the last week. Each offer is valid once a month for September, October, and November, and some have bonuses for getting all three months’ bonuses:

    – $25 monthly credit on $750 monthly, and a bonus $50 for hitting all three
    – $40 monthly credit with five $75+ transactions monthly
    – $50 monthly credit on $1,500 monthly, and a bonus $50 for hitting all three

    Yes, these stack with both of last month’s offers. No, this card isn’t available for new applications any more, sorry. (Thanks to birt, Jared, and K)
  2. American Express has new online for adding new employee cards, limit five per primary card:

    – Delta Business Gold: 5,000 SkyMiles with $1,000 spend in six months
    – Delta Business Platinum: 10,000 SkyMiles with $2,500 spend in six months
    – Delta Business Reserve: 20,000 SkyMiles with $4,000 spend in six months
    – Business Gold: 15,000 Membership Rewards with $4,000 spend in six months
    – Business Platinum: 15,000 Membership Rewards with $4,000 spend in six months

    Before you ask: No, you don’t have to choose the employee cards with annual fees with these offers.
  3. Alaska MileagePlan Atmos is changing its relationship with both Singapore Airlines and LATAM on October 1:

    – Reduced earning on tickets booked in September (LATAM) or September – December (Singapore) for travel through December 31 through any channel
    – No new Singapore award bookings starting on October 1, ditto with LATAM
    – No points earning unless tickets are booked directly via Alaska starting in 2026 for Singapore
    – No points earning regardless of booking channel on LATAM starting October 1

    This was bound to happen when Alaska joined oneworld, but that doesn’t mean it doesn’t sting.
  4. Office Depot / OfficeMax stores have $15 back on $300 or more in Visa gift cards through Saturday. What sorcerers could have predicted this after they had the same deal on Mastercards last week? All of them, I think. Anyway:

    – Even multipliers of $300 give bigger discounts
    – Go for the lower-fee “Everywhere” cards if you can liquidate them

    These are Pathward / BlackHawkNetwork gift cards.

Gift card sale prediction sorcerers in action.

  1. Do this now: Register for Best Western’s Q3 promotions for (1) 2,500 bonus points per paid stay between August 25 and November 30 on up to 10 stays, and (2) double points for paid stays between September 2 and November 30.
  2. The Bank of America Atmos Ascent Visa business has a new inflight sourced sign up bonus of 85,000 Atmos miles after $5,000 spend in three months, which is 5,000 miles more than the current public link. The personal card’s similar bonus is still available:

    – Ascent Personal at https://atmoscard85k.com/
    – Ascent Business at https://atmosbizvisa85k.com/

    Both require a flight attendant code (not to be confused with the flight attendant code), or most any six digit random number that starts with 10. (Thanks to Remster32)
  3. The Bank of America Atmos Summit Visa has a 105,000 Atmos miles bonus by applying by phone at 800-392-2775 with priority code GAATB2. The bonus is 5,000 miles higher than the public link, and the minimum spend is the same at $6,000+ in 90 days.
  4. Alaska has a 15% off of a flight promotional code after signing up for text alerts by texting FLY to 252752 by the end of the day. The code will be delivered tomorrow, and doesn’t work for first class tickets but does work on Hawaiian flights.
  5. JetBlue’s TrueBlue now offers redemptions on German carrier Condor, and the airlines have mileage earning reciprocity too. Pricing for North America to and from Europe:

    – 54,000 – 99,000 points
    – 19,000 – 39,000 points

    The difference in prices seems to be distance related, but we haven’t seen an official award chart or comprehensive data set to confirm that.
  6. Delta’s annual Seattle NFL smash-and-grab fest registration is open at 12status.com. Under the promotion, anyone in Washington, or anyone “in” Washington gets:

    – 1x SkyMiles for every Seattle Seahawks passing yard
    – Zone 5 boarding from Seattle airport

    Delta has learned what GeoIP is so you may need a VPN to explore. (Thanks to notsofedexy).

Happy Wednesday!

The flight attendant code, illustrated.

  1. Meijer MPerks has a digital coupon for $10 off $150+ in Visa gift cards through Saturday, and it appears to be the type of coupon that you can re-clip after use. With the right liquidation path this could easily be worth a trip to Meijerland, but don’t mistake that for Michigan.

    Meijer sells both Sunrise and Pathward / BlackHawk Network gift cards.
  2. Synchrony quietly launched the Walmart OnePay CashRewards Mastercard. The vitals:

    – $0 annual fee
    – $35 sign-up bonus after $75+ spend in 30 days
    – 5% for Walmart+ members or 3% back at Walmart otherwise
    – 1.5% cash back elsewhere

    This card is compelling for scaling buyer’s group activities, at least to the extent that Walmart lets you get away with it and the credit line allows, and also to the extent that Synchrony lets you cycle (they don’t).
  3. Office Depot / OfficeMax stores have $15 off of $300+ in Mastercard gift cards through Saturday. For best results:

    – Buy in even multiples of $300
    – Try for multiple transactions back-to-back
    – Look for the lower fee “Everywhere” cards, which despite the name, don’t work everywhere
    – Cry about Dosh being gone

    These are Pathward / BlackHawk Network cards.
  4. Alaska MileagePlan Atmos has free points for residents that live within 75 miles of several cities:

    – San Diego [SDFC registration] [Wave FC registration]
    – Los Angeles
    – Portland
    – Seattle

    You earn 100 miles per goal scored by your local soccer team for the season, and San Diegans have chances with two teams, probably because one of those teams sucks? Idk, I just work here.
  5. Some Capital One cards have a heightened card-linked offer for 60,000 miles with a $299 purchase at the Motley Fool, effectively buying points at 0.5 cents each.

    Just: (1) set a reminder in your phone to cancel the automatic renewal of the subscription after the bonus pays out, and (2) be ready for the frustration of figuring out how to take address off of their email spam list. It sounds easy, but it’s really not. (Thanks to DDG)

Happy Monday!

Motley Fool email preferences page.

  1. Alaska MileagePlan Atmos has a promotion for a fast track to elite status for paid flights to and from San Diego, CA, for travel between October 1 and March 31, 2026:

    – 5 segments: Atmos Silver (also oneworld Ruby)
    – 10 segments: Atmos Gold (also oneworld Sapphire)

    There are really cheap Alaska flights from San Diego, but oneworld Sapphire from Alaska probably isn’t worth the run that it would be if it were a foreign carrier. (Thanks to Parts_Unknown-)
  2. Alaska also has a 2x points promotion for flights between San Diego and many other cities, registration required for travel through March 20, 2026.
  3. The Chase Sapphire Reserve Visa personal card’s sign-up bonus is now 125,000 Ultimate Rewards after $6,000 spend in three months, which is [up/down] (choose one) from its prior 100,000 point + $500 travel credit bonus.

    Use a referral link from P2 or a churning friend rather than applying head on.
  4. American Express offers has new offers for:

    – $200 credit with $1,000+ at Waldorf Astoria, Conrad, LXR, NoMad, and Signia Hilton properties through December 31
    – $150 credit with $750+ at WorldHotels through December 31
    – $100 credit with $300+ at Minor Hotels through November 30
    – $60 credit with $300+ at Loews Hotels through November 1
    – $100 credit with $500+ at Wyndham through October 31

    Hilton’s omission of Curio properties is curio(us).
  5. Virgin Australia has 2x Velocity Points earning for travel through June 30, 2026. Registration required, only available in the mobile app. (Thanks to FFB)

Have a nice weekend!

Alaska marketing’s apparent fever dream.