Category: Credit Cards

Let’s wander all over the place today:

  1. The new US airline Breeze airways is adding new routes on its Airbus A220 fleet, and currently the new routes have one-way economy fares of $49 and one-way first class fares of $99. Their press release is the easiest way to see the new routes that I’ve found. The A220 is a very comfortable aircraft, especially in first class, so it’s worth looking into if their routes align with your travel patterns.

    In case you’re not familiar with Breeze, it’s founded by JetBlue and Westjet founder Dave Neelman. The airline is headquartered in Utah, but doesn’t operate flights to or from Utah because reasons.

  2. CashApp has a boost for 10% off of all Sam’s Club online purchases with a maximum discount of $20. It’s valid once a day for the next four days and works with gift cards including Disney, Visa, and Mastercard.
  3. DoC notes that the Paceline credit card has changed its structure, and now offers:

    – 5% cash back at groceries and drugstores (uncapped)
    – 3% cash back everywhere else (uncapped)
    – A $60 annual fee
    – An Apple Watch series 7 as a sign-up bonus ($429 in statement credits spread over the first year)

    There’s a catch of course, and depending on your personality the catch is untenable or is a home run: If you don’t have 150 minutes per week of elevated heart-rate, your cash-back rewards are cut in half to 2.5% at groceries and drugstores and 1.5% cash-back everywhere else.

If you’re lucky enough to live in Southern California, 150 minutes per week with an elevated heart-rate is called your weekday commute.

Let’s ketchup catchup on a few deals from the weekend (err, and yesterday):

1. Office Depot/OfficeMax has $15 back on $300 or more in Visa gift cards until Saturday, which makes your net cost $398.90 for $400 in gift cards or $394.90 for $400 gift cards if you buy the “Everywhere” variety. To maximize:

  • Link each of your cards to Dosh for an extra $10 back, but watch out for shutdowns for repeated gift card transactions
  • Try and run multiple transactions back-to-back with the same cashier

Thanks to reader Jim for the tip.

2. US Bank has a $400 sign-up bonus for opening a personal checking account and adding $5,000 in “direct deposits” in the first 60 days through March 28. Taking the bonus could be even more useful because having a checking account with a balance of at least $1,500 is a good way to get approved for lots of US Bank credit cards at once.

3. Another offer for 20,000 Membership Rewards for adding an authorized user to an American Express Platinum card and spending $2,000 within six months has surfaced. To see if you’re targeted, login to American Express and then check this link.

4. In addition to the increased Delta American Express card offers last week, another has surfaced for the Gold card and it’s interesting because the sign-up bonus is:

  • A $400 statement credit
  • 50,000 SkyMiles
  • A waived first-year annual fee

To get the offer, you’ll need to make a dummy airfare booking at delta.com and you’ll see it on the checkout page. To make things annoying though, sometimes the offer shows as a $300 statement credit and other times a $400 statement credit, so you may need to try different browsers or routes to find the $400 offer. Also, don’t actually buy the ticket. As Sam says, “it never pays to play it straight”.

Are we kaughtchup caught-up now?

Crimes against humanity in pasta form.

We’re all over the map today, but it’s good stuff so hang in there.

1. American Express has a 30% transfer bonus from Membership Rewards to Virgin Atlantic through the end of March. Sweet spots:

  • ANA round-trip business class (90,000 miles) or first class (110,000 miles) awards to Japan
  • Delta one-way business class non-stop awards to or from Europe (50,000 – 65,000 miles)
  • Domestic delta economy and first class awards (various)

This transfer bonus pairs well with item #4 too. (Thanks to DoC)

2. American Express has bumped up the offers on Delta co-branded credit cards, and based on the deluge of articles about it they’ve likely bumped the commission paid to affiliates too. These offers are great for just the sign-up bonus if you’re not looking for Delta status:

They’re less great if you want status though, because typically you get MQM as part of the sign-up bonus for the Platinum and Reserve cards and it’s absent in these offers. If you are going to apply, check for a referral offer from P2 or another friend as a way to boost the sign-up bonus even more.

3. There are multiple reports of Public giving everyone a hard time after loading $5,000 with PayPal Key and then trying to withdraw their money a week or so later. If you’re still going to do this deal, I’d prepare to let your funds sit for a month before you try and withdraw unless you want to fight Public.

4. The 2021 DOT statistics for airline commercial operations came out two days ago. There’s plenty of useful data inside, but I’m most interested in the on-time percentage by marketing carrier:

  • Hawaiian: 90.14%
  • Delta: 88.22%
  • Alaska: 83.17%
  • AA: 81.58%
  • United: 79.81%
  • Spirit: 76.74%
  • Frontier: 76.64%
  • Southwest: 75.78%
  • JetBlue: 72.31%
  • Allegiant: 68.26%

Unless you live near LAX or JFK it’s probably interesting for you too. I’d save this list away for when you need a positioning flight to another airport for a big award redemption.

5. Reader Pavel shared a link for a no-lifetime language American Express Business Platinum 150,000 Membership Rewards after spending $15,000 within three months, and another 10,000 additional points for adding an employee card and spending $1,000 within the same timeframe.

Have a nice weekend!

Another day on Allegiant, or at least a (100.00%-68.26%) 41.74% chance of another day on Allegiant.

Note: I’ll be on a mostly disconnected vacation this week, and while I’m still planning on posting M-F, expect slower than normal responses from me. If you do write a note though I will get back to you.

Unlike most credit card issuers that deal checking accounts and mortgages, American Express’s main business is cards and it shows: They consistently have the highest sign-up bonus offers, weird authorized user offers, $19,000+ cash back offers, and of course coupon book offers galore. Let’s focus on the first of those today, sign-up bonuses.

When you visit American Express’s website to look at card options, they offer different sign-up bonuses based on:

  • Your browser (Chrome, Brave, Safari, Edge)
  • Your operating system (Windows, macOS, Android, Linux, iOS)
  • How you got to the site (direct, google, bing, baidu)
  • Your browser’s cookies (incognito)
  • Where you’re coming from (mobile network, residential, business)
  • Whether you clicked on an ad
  • When you visit
  • Maybe a dice roll?

If you systematically vary each of the above, you’ll almost certainly find a different sign-up offer. In my quick tests, I was able to see sign-up bonus offers for the American Express Business Platinum card of between 110,000 and 150,000 Membership Rewards by switching my browser and visiting incognito through a search engine on a particular week. But then the next week, no matter which option I chose, the minimum offer for the same card was 110,000 and the maximum was 120,000 Membership Rewards.

What’s the takeaway? When it’s time for a new American Express card, make sure you try several different methods to get the best sign-up bonus. This is true of both Membership Rewards earning cards and co-branded cards like Delta, Hilton, and Marriot AmEx cards. And a final note: never assume that a link from an article will be the best offer. Experiment!

Breaking: The American Express algorithm for sign-up bonuses.

Note: I’ll be on a mostly disconnected vacation this week, and while I’m still planning on posting M-F, expect slower than normal responses from me. If you do write a note though I will get back to you.

1. The Point debit card has 100x points (100% back) on payments to Hulu until March 20. Unfortunately the limit is $20. If you’re interested in the card, make sure you sign up through a referral link because otherwise the sign-up bonus is awful.

Related: The “one week only” sign-up bonus of $100 after spending $50 when applying through a referral link was extended through February 27, 2022, shocking absolutely no one. If you haven’t referred P2 for a Point app, that’s $100 for you and $100 for P2 for a $99 annual fee, so now is a good time to do it.

2. DDG reports that American Express Business Platinum offers are being widely mailed out across the US via USPS. The offers are for 150,000 Membership Rewards after $15,000 in spend within three months, and another 10,000 Membership Rewards for adding an employee card and spending another $1,000 within three months. These are no-lifetime language (NLL) offers to boot.

With AmEx physical mailers, it’s safe to use one for anyone at your address regardless of who the offer is addressed to.

Apropos of nothing, isn’t Your Name, Jr. a new hire at your company? No reason.

3. US Bank is sending targeted offers via email for 2,000 bonus points for adding an authorized user to your account and making a purchase. It was seen on an Altitude Reserve but could be on other cards as well. (Thanks to g2525)

Your Name, Jr.‘s employee ID photo.

Note: I’ll be on a mostly disconnected vacation next week, and while I’m still planning on posting M-F, expect slower than normal responses from me. If you do write a note though I will get back to you.

1. Check here for a targeted MilePlay offer from United. I was targeted for nothing on this round, but several offers have been seen for between 5,000 and 20,000 miles for taking one or more trips, sometimes in a premium cabin, sometimes one-way, and sometimes round-trip.

Of course there’s always the United offer for a complimentary delay out of SFO, no registration required, available to everyone.

2. In case you missed it like I did, last week Robert at Milenomics wrote that JetBlue now has a public policy for extending Travel Bank credits that expire between February 2020 and September 29, 2022. The extension will last through October 1, 2022. A Twitter direct message is likely the easiest way on this one.

3. Bank of America has an increased sign-up bonus of 60,000 miles on the Virgin Atlantic Mastercard after spending $2,000 in three months, and another 20,000 miles for jumping through some modest hoops. The annual fee is $90 and is not waived for the first year.

Of course because this is Bank of America, you can play a few games and end up with two or three of these cards with just a single hard pull if you’ve got a BoA checking account and you’re at or below 7/12. Two of these bonuses are enough for a round-trip to Japan in ANA First Class (110,000-120,000 points). UPDATE: Reader @nutella noted that the BoA Virgin Atlantic card is 7/12, not 5/24.

Happy weekend!

A churner preparing to navigate Bank of America card approval standards.

I guess I should expect this because rare things happen closely together more often than not, but everything today is targeted. I blame Poisson.

1. Check your account dashboard for your American Express Green and Gold cards for a pop up offering either a new Business Platinum card with a 150,000 Membership Rewards sign-up bonus, or for a new Business Gold card with a 90,000 point sign up bonus. These are no-lifetime language (NLL) cards so you should be eligible for the sign-up bonus regardless of your current or past card portfolio. (Although they won’t bypass the 2 Platinum cards in 90 days rule, or the 3 credit cards in 30 days rule either. Thanks to Jim for the note.)

2. Check your Chase offers for 10% back at BestBuy online or in-store up to $250 in spend. Of course I’d buy a BestBuy gift card online through an obscure portal and sell the card, but I wasn’t targeted so here we are.

3. Reader @nutella shared a targeted upgrade link for 5,000 Rapid Rewards for upgrading a personal Southwest Plus Visa card to the Southwest Priority Visa card and making a single purchase by April 30. This is the first I’ve ever seen of a Chase upgrade offer like this. Now, we just need them to push the upgrade offers into the six figure points range like AmEx.

4. Reader Matthias shared that there’s a highly targeted discount at Simon for 50% off of Visa and Mastercard purchase fees with promotional code 22HAPPY50. There’s also a targeted code for 100% off of American Express gift card purchase fees with code FEB22AMEX100. Now, we just need a 22LOL150 to surface I guess.

5. Reader SideshowBob233 shared a landing page for targeted no-lifetime language American Express Delta cards. You can check eligibility here with your SkyMiles number and last name.

Targeted.

Vinh at Miles Per Day is probably most notoriously known for being shutdown from just about every service out there, and if he avoids a shutdown there’s probably some restriction on his account in place instead.

The latest version in the saga of Vinh’s trek to shutdown with American Express involves clawed back upgrade bonuses, and that post mixed with a request from reader Rich for American Express upgrade and downgrade strategies leads to a discussion about a few American Express rules to live by, in order to avoid having your bonuses clawed back from the Rewards Abuse Team (RAT):

  • When you open a card and get a bonus, keep it open for at least 12 months
  • When you upgrade a card and get a bonus, keep it open for at least 12 months
  • When you accept a retention offer, keep it open for at least 12 months
  • Upgrading a card to a higher annual fee card is ok at any time, even within the first 12 months
  • It’s ok to accept an upgrade offer right after downgrading, but keep it open for at least 12 months
  • Downgrading a card is only ok after 12 months from one of the above events

See a pattern there? American Express doesn’t clawback bonuses provided you do the above. There is one well known clawback case, but it is singular in nature, was tied to a promotional uncapped grocery spend bonus, and had nothing to do with sign-up bonuses, retention bonuses, or upgrading and downgrading.

Now with that out of the way, let’s briefly discuss manufactured spend: American Express rarely shuts people down for manufactured spend, rather they give you a financial review if it’s excessive or just stop awarding points at a particular retailer, like Simon Mall gift cards. You can be more blatant with manufactured spend at American Express than most banks, so probe away.

Happy Wednesday friends!

AmEx only pulls these (checks notes) clawback tools out if the meat is less than a year old.