Category: Credit Cards

  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.

Introduction

We talked about Bank of America shenanigans about a year ago, and US Bank shenanigans about six months ago. As a result I think many of you have card anniversaries and half-anniversaries to consider and it’s probably worth a re-read of both. That said, today we’re going to do the same for Barclays because they’ve just increased sign-up bonuses on three of their main four co-brand cards:

  • Wyndham Earner Business: 65,000 points after spending $2,000 in 60 days and another 10,000 points after a single purchase on an employee card (Update: corrected bonus from 60,000 to 65,000 points. Thanks to Miles)
  • JetBlue Business: 70,000 points after spending $2,000 in 90 days and another 10,000 points after a single purchase on an employee card
  • Hawaiian Business: 80,000 points after spending $2,000 in 90 days

If you live in New England or Florida, the JetBlue card is a great option. If you live near a Speedway, the Wyndham card is a stand out. If you like churning satire, the Hawaiian card can’t be beat.

Rules

Barclays doesn’t have as many loopholes as legacy banks, but there are some. Here’s what you should know:

  • Barclays will combine hard pulls in the same day
  • Barclays will approve up to three credit cards in the same day
  • Barclays business cards won’t appear on a credit report
  • Barclays’ reconsideration department will work with you more than most banks will
  • Barclays won’t let you have multiple versions of the same card

To contact Barclays reconsideration, dial (866) 408-4064 for business cards or (866) 408-4064 for personal cards. When you call, a simple “I was hoping that you’d take another look at my application and help me find away to get approved. I’m happy to provide any additional information you may need!” may be enough to negotiate your way into an approval after you’re denied.

How I’m Playing It

I don’t need more JetBlue points and I really don’t need more Hawaiian points, but Vacasa redemptions via Wyndham are hard to beat. So even though the AA Business co-brand card offer isn’t at a relative high, I’ll be pairing it with the Wyndham card application for a combined hard-pull without messing with my quest to drop below 5/24.

Good luck!

Barclays reconsideration staff is much friendlier than it looks.

  1. Oxygen is offering $100 and an iPad to new business accounts for companies shutdown by Brex, but reports are that you should open a support case and forward your shutdown email immediately after approval to ensure you get the bonus. The requirements:

    – Deposit $10,000 within 30 days
    – Make 5 debit card transactions within 60 days
    – Have no prior Oxygen business account
    – Open a support case (MEAB’s requirement)

    You’ll likely have to apply by mobile app too, but do your best to follow the promo link to get to the mobile app. Also, watch out for some terrible grammar when applying before it hits you in the face. (Thanks to SideShowBob233, and thanks to Nuhertz for noting a typo in the bonus)

  2. Two new links for American Express Business Gold cards have surfaced, and in classic AmEx style the bonuses show differently based on: your browser, whether or not you’re incognito, the IP address you’re coming from, the quantity of protein in your lunch, and your operating system. So, vary those up if you’re not seeing the expected bonus:

    – 130,000 Membership Rewards after $20,000 spend in three months
    – 110,000 Membership Rewards after $10,000 spend in three months

    Note that both have lifetime language, but that doesn’t matter. Unlike the recent 250,000 Membership Rewards Business Platinum link that’s been floating around, these aren’t post-targeted links and thus should be completely safe. (Thanks to DoC)

  3. JetBlue has $25 off of one-way non-stop trips and $50 off of round-trips booked by this evening with promo code FALLSALE, but Mint and transatlantic fares are excluded.
  4. There are a few August transfer bonuses:

    – CapitalOne 20% transfer bonus to FlyingBlue
    – CapitalOne 20% transfer bonus to British Airways Avios
    – American Express 20% transfer bonus to Cathay Pacific Asia Miles

I’m not the grammar police, but this sign (also designed by Oxygen) doesn’t mean what they think it means.

  1. The Citi Shop Your Way Rewards Mastercard, the Ben Mendelsohn of credit cards, has been sending out a new spending bonus for August, September, and October for travel purchases. Offers we’ve seen:

    – 20x points up to 7,000 points each month
    – 15% back up to $60
    – 10% back up to $90

    Check your email and USPS mail to see if you’re targeted. (Thanks to BB_Pcola and Birt via MEAB slack)

  2. Meijer MPerks, the Bruce Willis of loyalty programs, is running a promotion through August 13 for $100 in grocery credits back on a $500 third party gift card purchase, excluding certain brands. Scale this with multiple MPerks accounts. (Thanks to Larry via MEAB slack)
  3. Office Depot/OfficeMax’s promotion for $15 back on the purchase of $300 or more in Visa gift cards is running for a second week, expiring Saturday. Remember:

    – Link each credit card you may use to a Dosh account for 2% back up to $10 per day
    – Try for multiple back-to-back transactions
    – Consider buying the Everyday variety of Visas for a smaller liquidation fee

    These cards are issued by Metabank, the Robert Van Winkle of banks.

  4. The Morgan Stanley Platinum American Express card, the John Hodgman of Platinum cards, has a not well publicized annual fee waiver for holding $25,000 in cash at Morgan Stanley. With one year CD rates creeping above 2.8% for much of the nation, the fee-waver is eclipsed by interest earning potential. Of course there are tax consequences to consider. (Thanks to BruceFan77)

Today’s post brought to you by MEAB, the early 90s Gwen Stefani of travel blogs.