What started out as a slow weekend turned into a landslide:
1. In September there was a backdoor way to turn an American Express Clear credit into $100 in United TravelBank credit through a promotion for a new Clear account. The offer is now back, and it’s still a way to turn a Clear statement credit into a quick TravelBank hundo. The caveats:
The $100 TravelBank credit expires after six months
You have to fly United or United Express to pay for airfare with TravelBank funds
TravelBank funds can’t be used to pay for therapy or liquor, even on a United flight
Last time you didn’t actually need to complete enrollment at an airport for the $100 credit to show up in your account, likely it’ll be no different this time.
2. Check your Chase Offers for 10% or 15% back up to $37 for charges at a Hyatt property from now through Valentine’s day.
3. The demise of the Citi Premier 80,000 points bonus has been greatly overstated. You can still find it at this link, and don’t forget that you can get this bonus multiple times as long as you space your applications out by more than 8 days and you hit the bonus spending threshold after all of your applications are in.
4. Since around Christmas time reports have surfaced that the American Express Blue Business Plus card has been eligible for the 1.9 Million Membership Rewards offer for adding employee cards (20,000 points per employee card that meets the minimum threshold spend, up to 99 employees). To see if you’re eligible, you’ll have to call American Express and ask if there are any offers for adding employees to your card.
The Blue Business Plus variant of this offer is better than the Business Platinum variant though, because the threshold for earning 20,000 bonus Membership Rewards is $2,000 in spend versus the $4,000 spend requirement on the Business Platinum. If you maximize this deal it becomes a 12x everywhere offer for up to $50,000 in spend and 11x everywhere for the remaining $49,000 in spend, wowza.
1. The American Express Business Platinum card’s annual fee is increasing from $595 to $695 starting tomorrow, so if you might want one of these cards in the next month, apply now even if you’re not currently eligible. If you’re denied you can always reconsider within 30 days with the original annual fee attached.
Note that reconsideration can bypass certain things and that American Express rarely pulls your credit, so don’t be afraid to probe.
Public.com is a stock trading platform that allows funding up to $5,000 total with a debit card. It also happens to treat PayPal Key as a debit card, so this is a one time $5,000 MS opportunity on Visa, Mastercard, and Discover credit cards (American Express credit cards don’t work with PayPal Key). EDIT: Rob let me know that you can fund $5,000 in a single transaction. The $1,000 per day limit no longer applies.
As usual, find a friend for a referral link to Public.com and make their day, but if you can’t find one, reach out to me and I’ll share mine. Be forewarned: the referral bonus is lame.
Wednesday thought: Is it ironic that the Public deal became public?
1. People that know me well know that I like to mentally explore bad ideas even if I wouldn’t do them, and this item definitely falls into that category. So I don’t recommend you do this, but if you have both a Chase Sapphire Reserve and a Chase Freedom Visa you can come out ahead with $600 in travel credits on the $550 annual fee every year. To do so:
Spend your Sapphire Reserve $300 travel credit
Downgrade your Sapphire Reserve to a Freedom Visa for a prorated annual fee refund
Upgrade your other Freedom Visa to a Sapphire Reserve, pay a prorated annual fee
Spend your new Sapphire Reserve $300 travel credit
I think that there’s a distinct possibility that shenanigans like this will get you axed by Chase and I wouldn’t do it, but it’s worth illustrating because the same thing will probably work at other banks with other products that you care a lot less about, and learning the trick could come in handy in the future. (Thanks to discussion over at reddit for pushing me in the right direction)
In 2021, the simplest way to cash out travel incidental credits on American Express cards, PenFed Pathfinder cards, Bank of America Premium Rewards, and UnionBank Rewards cards was to buy United TravelBank credit directly because it can be banked, combined, and used for airfare on any United flight and it didn’t require any weird gift cards or other “one weird trick” style hacking but was still reimbursed by credit card issuers. TravelBank credit also has a long expiration at 5 years so you’ve got time to figure out how best to use it.
Was rushing to cash-out a mistake? Honestly I think so even though it’ll probably work out just fine.
Being Level-Headed
I have a compulsive urge to knock out all of my yearly credit card annual credits as early as possible at the start of a new year so that I don’t have to think about them all the way until December 31, and I have zero doubt that many of you are exactly the same. That said, I’ve learned to hold back and wait for data-points to come in regarding what works in the new year and what doesn’t, and I hope you’ll do the same. There are legion travel hackers out there who have already all tried to cash out their 2022 credits in non-perscribed ways for:
Airline incidentals
Travel credits
Saks
Clear
Global Entry / Nexus / Precheck
But, there isn’t yet a datapoint that any of the opportunities that worked last year continue to work now, simply because not enough time has passed for a credit to post. In fact, many things change when the calendar does, like, I don’t know, United TravelBank going offline.
So, maybe wait a few days so we know that what worked last year will continue to work so that you’re not stuck with an unreimbursed $200 charge? If you’ve already become the data point, I sincerely appreciate it and I understand it at my core, but that’s not how I’m playing it (anymore). We’ll all learn from your hard work and we’ll all be grateful for your data-point.
It’s great to vibe with the flow after the slow week between Christmas and New Years. Here are five interesting things that came up over the weekend:
1. Seth from wandr.me and the Dots, Lines, and Destinations podcast has released a tool that I’ll be using a lot: Where the Widebodies Are. This tool lets you search through airline schedules for where widebody (two-aisle) aircraft are flying domestically. I prefer widebody aircraft because:
They often have lie-flat business class seats and quite a few of them for upgrades
They often have large premium economy cabins (like domestic first class seats)
Typically the outsides of the aircraft are two seats wide in economy, so no middle seats
They’re smoother than lighter single-aisle aircraft
2. I’ve had multiple readers tell me that they can’t get PayPal Key, and the old tricks for getting it on your account stopped working over the summer. Fortunately, there’s a new trick for getting PPK:
3. The Citi Shop Your Way Rewards Mastercard (a MEAB Unsung Hero) has a targeted great offer to ring in the new year: 15% back on gas, grocery, and restaurants each month for January, February, and March. The minimum spend each month to trigger the offer is $500, and the maximum spend for 15% back is $600. Over three months, that’s $270 back in statement credits. Talk about a nice hit for a no-annual fee card.
Look for the targeted link in your inbox, the subject for mine was “Matthew, your new offer is here. But only for a limited time. Activate now.“
5. The Target RedCard $80 back ($40 online and $40 in-store) for opening a new RedCard debit or RedCard credit card deal is back through January 15. Both cards definitely have their uses, and notably can be churned. Just make sure you wait at least three business days between closing and reopening to avoid any speed bumps. You can read more about why this is useful with Target Redcard Hacks.
You’ve got just a little over a week and a half before “reset to factory defaults” happens on just about everything we do. Set aside a bit of time to take care of the following this week:
1. Spend any American Express credits in Uber Eats or Uber, and remember that your December Uber Wallet size is quite a bit bigger than other months when Platinum cards are involved.
2. Check for any annual fees that posted and call the bank for a retention offer, or just chat online if the bank is American Express. Some sample phraseology: “I’m thinking of closing this card because of its high annual fee, but before I decide what to do I was wondering if there are any retention offers or spend bonuses.” If you get an offer, don’t forget to add: “Are there any other offers available?” Sometimes there are better offers if you keep asking.
American Express specific note: If you accept a retention offer, plan on keeping that card for 12-13 months to avoid getting popups that deny credit card bonuses in the future
3. If you have an American Express co-branded personal card (Marriott, Delta, Hilton), make sure you’ve attached the dining offer to your card and spend it soon. The easiest way to do this from home is to buy an exact value Amazon Meals gift card on Fluz. As always, find a Fluz referral from a friend to make their day if you don’t have an account already, they’ll earn something and so will you.
4. Make sure you’ve spent any $10 American Express Personal Gold dining credits. My go to is the local coffee shop for a coffee and a crepe which jumps just north of $10 on GrubHub. Buying physical gift cards at a ShakeShack is another option.
5. Cancel any cell phone burner accounts that you’re done with (and for which you didn’t use a virtual credit card number that already expired).
6. Finish off any Q4 5x bonused spend on Chase Freedom cards, Discover IT cards, US Bank Cash+ cards, Citi Custom Cash cards, or similar.
7. Book any American Express Fine Hotels and Resorts (or The Hotel Collection) stays with your $200 Platinum credit for upcoming travel next year, even if it’s speculative. Historically American Express’s systems lose their memory after the calendar rolls, so keep that in mind.
8. Use your Chase Sapphire Reserve $300 travel credit, and remember that it works on groceries this year too.
9. Use your American Express Platinum $200 airline incidental credit, Chase Ritz Carlton $300 airline incidental credit, or PenFed PathFinder $100 airline incidental credit. United TravelBank is a great way to do this. On the American Express card, make sure you’ve selected an airline first. By the way, you can change your airline selection at any time as long as you haven’t yet used any during this calendar year, just call or chat with AmEx.
11. It’s time for some shenanigans with American Express Clear credits (yes, there are options) so burn those or gift them to a friend. Side note: Soon, it looks like you’ll be able to buy Clear gift cards for resale.
12. Check for any credit card spend bonuses that you may want to hit before the end of the year, like:
World of Hyatt Visa free night certificate after $15,000 spend
American Express Hilton Surpass and Honors Business free night certificate after $15,000 spend
American Express Hilton Aspire second free night certificate after $60,000 spend
American Express Delta Platinum MQM boosts after $25,000 and $50,000 spend
American Express Delta Reserve MQM boosts after $30,000, $60,000, $90,000, and $120,000 spend
British Airways Visa companion ticket after $50,000 spend
JetBlue Visa Mosaic status after $50,000 spend
Good luck out there.
The American Express master control panel. They’ve made great use of the turbo button for all of 2021, but a tech earning $12 / hour will push the reset button at 11:59 PM EST on December 31 so be ready.
What’s that? You haven’t heard of this card before? Well, I’m not terribly surprised. The card hasn’t exactly achieved Unsung Hero status, but still probably worth your attention because:
The card has effectively a $425 sign-up bonus (50,000 points at 0.85 cents each)
The card gives a $100 airline incidental credit every year
The card has effectively no-annual fee (the $95 annual-fee is waived every year as long as you have a free PenFed Access America checking account)
3. Check your Marriott Bonvoy account for new targeted promotions. There have been multiple reports of earning opportunities for free-night certificates, like this one.
4. Get ready to plan your summer travel because the next Southwest Airlines schedule extension is expected today and it will cover most summer travel, with an extension through September 5. There are two reasons this is interesting:
On many routes, the cheapest fares sell-out quickly, so booking early will typically get the best price
Southwest will probably tweak their schedule for far-away flights and let you change to any other flight on the same route ± two weeks for no-additional charge; so book the cheapest flight you can find in that window and wait for a likely schedule change to switch to the flight you want
Good luck out there.
Sample path available to PathFinder Visa cardholders (and non-PathFinder Visa cardholders too, but they have less fun.)
Do this now:Register for Hyatt’s Q1 2022 Bonus Promotion (2,022 bonus points per night for everyone and another 1,000 per stay if you’re a credit card holder and stay in certain cities for stays between January 15 and April 20).
Now that we’ve gotten that out of the way, let’s jump into todays points:
1. American Express sent me a link for 7,500 SkyMiles for adding an authorized user to personal Delta Platinum card and spending $500 on the user’s card in six months. If you have a Delta Platinum card, try your luck here.
2. Reader Pavel let me know that Turkish airlines is holding a 30% off sale on both business class and economy tickets booked by the end of the year for travel from now through May 15, 2022. This is a great deal, but there are a few gotchas:
Turkish awards can be difficult to book, especially for the first time on a frequent flyer account
The award sale is only valid on Turkish metal, so no United or other Star Alliance flights can be tacked on
3. Reader Pavish shared that his local Sam’s Club is now selling $50-$500 variable Vanilla Visa and Mastercard gift cards. There are reports of the same thing in other locations too, so it could be worth checking your local club. The activation fee on these is low at $4.88, and unlike Metabanks, Vanilla cards work well in almost all liquidation channels. My first question is: Can I use a Walmart or Sam’s Club gift card to purchase these? I honestly don’t know the answer, but it’s worth exploring.
Good luck out there.
Thursday Triple, if Thursday was a water polo player.
