Editor’s note: I have a few straggler guest posts ready to go and a few more on the way, so for January and perhaps beyond we’ll be doing guest post Saturdays, making this a six day a week blog, or a 20% increase in content. Hooray for progresssciencemathStanley cups guest authors!.
Hilton Honors has a promotion for free Silver status through April 29, and you’ll earn Gold status if you stay eight times through the same date. Gold status lasts through March 2026. Silver status gets you fifth night free on award stays, and not much else really.
Dell.com is 9x for accessories on the AA eShopping portal as of this writing, which is a nice way to top off any Loyalty Point gaps between now and the end of the current elite year in conjunction with American Express Business Platinum credits. For those keeping score at home, the end of the loyalty year is obviously February 29, duh.
Since we missed major news items over the last two and a half weeks, it’s time to play ketchup catchup:
Do this now: Register for 5x bonus categories for rotating bonus category cards:
– Chase Freedom and Freedom Flex: 5x at groceries, gyms, and spas, $1,500 max per quarter – Discover IT: 5x at restaurants and drug stores, $1,500 max per quarter – Citi Dividend: 5x at Amazon and streaming, $6,000 max per year – US Bank Cash+: I choose utilities and electronics retailers, $1,500 max per quarter
The Cash+ currently has a measly $200 sign-up bonus, the Freedom is only available via product change, the Freedom Flex has a $200 sign-up bonus and 5x at grocery on up to $12,000 in spend, and the Dividend isn’t generally available any more.
Gaming most of these should be easy with gift card purchases at grocery stores, CVS, and Amazon. For the Cash+, look in to how your local utilities deal with card payments, especially when the payment doesn’t match the bill.
The Citi Shop Your Way Rewards card, which incidentally hasn’t been mentioned on this blog in the entirety of 2024, has a few new targeted offers that stack with other spend offers:
– 15,000 ThankYou Points per month on $1,500+ in spend at grocery, gas, or restaurant – $150 statement credit per month on $1,500+ in spend at grocery, gas, or restaurant
The Citi SYWR card isn’t just interesting for spend bonuses, especially in the face unregulated debit cards. (Thanks to Brooke)
Staples has fee-free $200 Mastercard gift cards through Saturday, limit eight per transaction. I’d say Staples is trying to make 2024 look like 2023 with this sale, except technically the promotion started in 2023 so I’m legally prevented from saying so by the Staples and Uber Eats cabal. The cabal also prevents buying these cards via Uber Eats as far as I can tell.
These are Metabank Pathward gift cards, so have a liquidation plan in place.
– $125 back on $600 or more in spend with Delta – 25,000 Membership Rewards after $1,000 or more in spend with ANA – 15% to 20% back on up to $100 in spend at Martin and Giant grocery stores
– Lower W-2 federal tax withholdings and make up for it with quarterly estimated tax payments – Overpay taxes with a credit card and wait for a refund
Don’t attempt either unless you’ve got the discipline to ride it out if you run into any issues, like the IRS delaying refunds for months or years. Remember what the 33rd president of the United States and former head of the IRS, Spiderman, said: with great power comes great responsibility. (Thanks to GodLovesFrags)
When Texas cities play ketchup, Lubbock misses the point.
EDITOR’S NOTE: I’m on an annual blogging vacation for the last two weeks of the year. To make sure you still have content, some of the smartest members of the community have stepped up with guest posts in my absence. Special thanks to today’s author, my good friend Nathan, for writing this post while I’m on vacation. I’ll see you on January 1!
Spend any decent amount of time purchasing physical VISA/MasterCard prepaid or 3rd party gift cards and you’re bound to come across at least one that has been compromised. Purchasing a tampered gift card (GC) and dealing with the fallout is a seeming right of passage into the physical world of manufactured spend.
For the same reason GCs are useful to manufactured spenders in that they are available in high denominations and easy to liquidate, they are particularly attractive to scammers as they provide the added benefit of anonymity because all that is needed for redemption are the card details itself.
The process of compromising a GC will generally involve the scammer obtaining unactivated cards, bringing the cards to a location where they can record and/or remove essential card details, then placing the cards back on the shelves at retailers. A fraudster’s window of opportunity starts the moment after the GCs are loaded but before you or the recipient has the ability to use the funds or report the card as compromised to the card issuer.
Depending on the extent of the tampering, it may physically impossible for you to redeem / use the card since the magnetic stripe itself was tampered or the pertinent information was defaced. Other times, they will record the information and although you still have the ability to access the funds, they are hoping that they can drain the funds before you do.
Retailers and card issuers usually add hurdles to replace compromised cards and recover stolen funds. The best thing you can do is catch anomalies in the pre-activation phase, as sorting it out after can be a huge headache.
Common Card Features / Attack Vectors
Activation Barcode
Card Number / Redemption Code
PIN (for some brands, synonymous with the redemption code)
Pre-Activation Inspection
Familiarize yourself carefully with the GC you are purchasing, it’s packaging, and card features. Try to find a safe source for cards (ie. freshly stocked cards or shrink wrapped bundles behind the gift card case).
If possible, open and inspect the packaging and/or card before activating. In general:
Inspect the area over and surrounding the activation barcode carefully. Make sure the activation barcode is the original, nothing foreign is covering it, and if it was covered with a reveal tab or security sticker, it was not previously uncovered and re-applied.
Check the card number and PIN to make sure they were not tampered with. Tampering includes details being scratched off altogether or security stickers removed and re-applied.
Warped packaging could suggest that the package was opened and resealed.
Most manufacturers use a type of one time use glue. Glue that is too sticky or too hard is usually a giveaway that the package has been tampered with.
If the activation barcode is separate from the card number itself (common with popular brands such as Apple and Best Buy), there will often be an identification number on both pieces, make sure these numbers match to indicate the card wasn’t swapped.
If the brand utilizes sequence numbers, a card out of sequence could indicate that cards were planted.
When scaling, examining each card carefully can slow you down. If you determine one card from a batch is fine, the rest of the cards from that batch are more likely to be safe.
Generally the register will show the last 4 of the serial number of the GC that will be activated. Make sure this matches with the serial number printed on the packaging as they are scanned in.
Activation Issues
If you discover you have a compromised GC after purchasing, act immediately. If you have access to the card details and/or the mag stripe hasn’t been tampered with, make it a priority to spend or use the funds as soon as you can. If you don’t have a quick liquidation plan in mind, contact the card issuer or the retailer as soon as possible. Usually the retailer will defer to the card issuer, but depending on the retailer and manager, they may be able to help you replace the card.
If a GC was purchased with a swapped barcode, you can use a barcode scanner (in a pinch there’s a free online version at https://online-barcode-reader.inliteresearch.com) to help determine which card the funds were routed to.
If you had activation issues and multiple cards were involved, make sure you leave the store with the correct cards as they can easily be confused.
– Nathan
Not all scam gift cards are easy to spot, watch out for this one before it bites you in the, err, foot.
NOTE: I’ll be going on a blogging vacation between December 18 and 31, during which there may or may not be any posts. But, we’ll ring in the new year on January 1, 2024 with the 2023 version of Travel Hacking as Told by GIFs though, so no need to be up in arms. What’s this “may”, you ask? I’m soliciting for guest posts and I’ll use those during the regularly scheduled newsletter. They should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!
The American Express Delta co-branded cards have increased sign-up bonus via referral or at deltaamexcard.com:
– Personal Gold: 70,000 miles after $2,000 spend in six months, annual fee waived the first year – Personal Platinum: 80,000 miles after $3,000 spend in six months – Personal Reserve: 90,000 miles after $5,000 spend in six months
There are a couple of ways to play this: (1) Just think of a SkyMile as worth 1.0 cents toward Delta airfare and churn the card, (2) get the Platinum and/or Reserve card and hit big spend in the next couple of weeks to earn elite status before the program changes in 2024, noting that MQMs will post in the year you hit spend and not in the year that the statement closes, and that you can get business cards too. (Thanks to TheSultan1)
– Status is earned only via elite qualifying miles, or EQMs – Credit cards earn 4,000 EQMs per $10,000 spend, up to five times – Top tier members will have excess EQMs rolled over from year to year
Unfortunately credit card spend alone will only earn you MVP status, which practically speaking means a few free checked bags on Alaska and other oneworld airlines but not a lot else.
NOTE: I’ll be going on a blogging vacation between December 18 and 31, during which there may or may not be any posts. But, we’ll ring in the new year on January 1, 2024 with the 2023 version of Travel Hacking as Told by GIFs though, so no need to be up in arms. What’s this “may”, you ask? I’m soliciting for guest posts and I’ll use those during the regularly scheduled newsletter. They should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!
This pairs nicely with fee-free Visa $200 gift cards running through Saturday, and with monthly American Express Business Gold credits. (Thanks to Doug)
NOTE: I’ll be going on a blogging vacation between December 18 and 31, during which there may or may not be any posts. But, we’ll ring in the new year on January 1, 2024 with the 2023 version of Travel Hacking as Told by GIFs though, so no need to be up in arms. What’s this “may”, you ask? I’m soliciting for guest posts and I’ll use those during the regularly scheduled newsletter. They should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!
Capital One Shopping has $150 to $200 referral bonuses for both the referrer and referred after the referred installs a browser extension and spends $10 through the portal, limit $500 in referral bonuses per account. You don’t need a Capital One card or a social security number to have a Capital One Shopping account.
It’s good practice to cycle to a new Capital One Shopping account after $1,000 or so cash back, and now there’s slightly more incentive. If you don’t already have a Capital One Shopping account, be sure to reach out to a friend for a link.
NOTE: I’ll be going on a blogging vacation between December 18 and 31, during which there may or may not be any posts. But, we’ll ring in the new year on January 1, 2024 with the 2023 version of Travel Hacking as Told by GIFs though, so no need to be up in arms. What’s this “may”, you ask? I’m soliciting for guest posts and I’ll use those during the regularly scheduled newsletter. They should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!
These are Pathward gift cards. Yes, there are still working in-person liquidation methods and there are still pajama liquidation methods too, but on average fees are going up, either directly or because the opportunity cost of locking up funds for a few months is increasing with interest rates.
Holding the Chase Aeroplan card gives you a 10% transfer bonus when converting Ultimate Rewards to Aeroplan miles. That bonus was supposed to be temporary for this year’s launch of the card, but FM reports that it’s now apparently permanent. This bonus stacks with occasional temporary transfer bonuses too.
The permanent transfer bonus combined with Aeroplan’s partner availability and the ability to earn 3x at grocery stores makes me ready to kick a 5/24 slot in the teeth to get this card.
It’s no secret that I’m a Bonvoy hater, but this offer is almost good enough for me to care — but not quite enough because it would also kick a 5/24 slot in the teeth, and the Aeroplan card holds more long term value for my use case so that’s a tooth two far. (Thanks to DDG)
NOTE: I’ll be going on a blogging vacation between December 18 and 31, during which there may or may not be any posts. But, we’ll ring in the new year on January 1, 2024 with the 2023 version of Travel Hacking as Told by GIFs though, so no need to be up in arms. What’s this “may”, you ask? I’m soliciting for guest posts and I’ll use those during the regularly scheduled newsletter. They should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!
Giftcards.com has 10% off of $100 Mastercard gift cards with promo code MERRYMC10 or MERRYMC, limit three per order. As usual, try and go through a portal but don’t be surprised if it doesn’t track when you use the code. Fun fact: You’re also limited to $2,000 in e-gift cards per 48 rolling hours, even though the terms and conditions suggest the limit is only 24 hours.
It’s a good thing you can create new email addresses though, amirite?
Bilt is sending targeted email to some cardholders for 1,000 bonus points per retailer for using your card for a single purchase at AT&T, T-Mobile, Sprint (???), Comcast, Spectrum, Netflix, Hulu, and Xfinity, limit 5,000 total bonus points. Look for the subject: “Earn 5K bonus points this month”.
