1. Staples has fee-free $200 Visa gift cards through Saturday, limit nine per transaction.

    These are Pathward gift cards.
  2. Meijer stores have a promotion for 10,000 MPerks points with the purchase of $100+ in Choice or One4All gift cards. Both of these have variants that convert to Home Depot and post-Pepper rates for Home Depot are currently north of 90%.

    This one is limited to one per MPerks account, but, uhhh, you know.
  3. Blit Rewards will have a tiered transfer bonus of between 50% and 200% to Accor ALL on Sunday June 1, which brings the effective value per Blit point above 4.5 cents for top tier members with the boosted 1:2 ratio and combined with the current value of the dollar which is trash compared to the euro. You’ve got the week to earn points to prepare. For a refresher on Accor’s reward program, check the mini-guide here.

    I’m 100.000001% sure (aka fluz sure) that my travel patterns are different than yours, but I love the Accor program for Europe and I’ll be transferring in quite a lot as part of this promotion. (Thanks to VFTW)
  4. The no-annual fee Mesa Visa home owners credit card has a sign-up bonus of 50,000 points after $5,000 spend in 90 days with promo code BONUS50. The new iteration of the card pays rewards on a mortgage of up to $100,000 per year whether or not you finance through Mesa’s lenders, unlike their prior version of the card. To be eligible for mortgage point earning though, you have to spend a sum of $1,000+ monthly on the card.

    Word on the street is that mortgage validation is an incomplete process, and so is reporting to credit agencies. I expect both of those things to tighten up in the future. They’ve added transfer partners for points earning too, with Finnair and Accor ALL being the most interesting.

Have a nice Monday friends!

View of the Mesa mortgage validation team’s workbench.

  1. Hyatt has a promotion for Under Canvas properties for 1xAA miles per dollar through September 15, registration required. This stacks with Hyatt’s other Under Canvas promotion which runs through June 10.
  2. SAS Eurobonus has a promotion for 25% off of award flights booked by Sunday night for travel through September 30. Pricing:

    – Business: 37,500 miles US↔Europe
    – Premium Economy: 30,000 miles US↔Europe
    – Economy: 22,500 miles US↔Europe

    This is an outstanding promotion, provided you can find availability and that you’ve got SAS Eurobonus points, or at least an American Express from Great Britain with British Membership Rewards that know how to transfer to Eurobonus.
  3. Kroger stores have a promotion for 4x fuel points on One4All, Choice, and Giving gift cards through Tuesday, and if you don’t like that option, they’ll also have 4x fuel points on all third party gift cards except Amazon on Friday only.

    The best options will be cards that convert to BestBuy or Home Depot for the long promotion, or Lululemon, Marshalls, and Apple for the Friday promotion.
  4. Southwest is extending its schedule this morning for flights through January 26, 2026.

    Honorary Southwest CMO Brian M also reminds us that you’ve got to book before May 28 to avoid new Southwest’s new bag fees, basic fare classes, flight credit expiration, and other airline castoff ideas.

The newest dress code violation guidelines(*) on Southwest Airlines start on May 28
(*)I assume

  1. Hyatt has a promotion for 1,000 Etihad Guest miles for stays between May 15 and July 14 at properties in Europe, Africa, and the Middle East, registration required.
  2. Best Western has a promotion for 10,000 bonus points after three nights for stays through September 1, registration required. You can earn the 10,000 bonus points two times, which works out to be approximately 21,034.4431 points according to ChatGPT.
  3. Office Depot / OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday. As usual:

    – Buy in even multiples of $300
    – Look for the lower-fee “Everywhere” cards if you have a good liquidation channel
    – Be approximately 1.2% sad that Dosh isn’t around anymore

    These are Pathward gift cards.
  4. Two Incomm sites have gift card promotions running through the end of May:

    VanillaGift: Fee-free $200+ Visas using VGGRAD100
    TheGiftCardShop.com: Bonus $10 Mastercard with $200+ using GRADBONUS35

    These are Incomm gift cards (duh).
  5. Emirates First awards are now only bookable for Emirates elites or through non-Emirates partners, most notably Qantas. Pricing for Qantas awards is more-or-less inline with prior Emirates pricing, so EK F divas can chill.

Happy Tuesday!

EK F divas eat tacos too.

  1. American Express had several big waves of shutdowns yesterday in addition to the its ongoing, nearly daily smaller batch of shutdowns at least partially related to foreign buyer’s group behavior. Based on discussion with and datapoints from those affected, yesterday’s reasons appear to be:

    – Round two of floosies missed in the the first American Express Big Axe, even if they cut out their floosie lifestyle in February
    – Accounts with big spend at international merchants and or with charges in multiple states simultaneously
    – Holders with multiple large, missed payments

    It feels to me like American Express is trying to de-risk its accountholder portfolio and extraneous, abnormal behaviors aren’t as safe as they have been historically. I know nothing about anything, but assuming that’s true, lowering your balances with American Express every single day probably can’t hurt.
  2. The American Express Platinum brokerage cards have increased sign-up bonuses, and you can have both provided you have the right underlying brokerage accounts:

    Schwab: 125,000 Membership Rewards after $8,000 spend in six months
    Morgan Stanley: 150,000 Membership Rewards after $8,000 spend in six months

    The Schwab’s best use is cashing out Membership Rewards at 1.1 cents per point, and Morgan Stanley’s is cashing out at 1.0 cents per point and giving the cardholder a free Platinum authorized user card with lounge access.
  3. Starting on June 7, Hyatt will only allow 10 incoming awards (like Guest of Honor, Club Access, Suite Upgrade Awards, etc.) from another member per year.

    Apropos of nothing, last I heard it was still possible to have more than one email address.
  4. AA has a limited time heightened status match for JetBlue elites through June 30:

    – JetBlue Mosaic 1 matches to AA Platinum
    – JetBlue Mosaic 2 matches to AA Platinum Pro
    – JetBlue Mosaic 3 and 4 match to AA Executive Platinum

    These are instant matches that last four months, and you can retain the matches with flight activity. How much activity? In the most AA way possible, you won’t know until they email details on the successful match 🙄.

Have a nice weekend!

Lowering your American Express risk profile comes in many forms.

  1. Do this now: Register for IHG’s Q3 promotion for your choice of either:

    – 2,000 bonus points for every two nights
    – 8,000 bonus points for every four nights

    This is valid for stays through the end of August. If you’re going to stay at least four nights, the second option will always earn more than the first.
  2. Bel-Air, Nob Hill, and Raley’s food stores have 15x points on One4All and Lowes gift cards (ok, ok, and some other stupid ones too) through Tuesday.

    Home Depot cards converted from One4All and Lowes resale rates are currently 90%+ in the post-modern Pepper-is-still-broken world.
  3. Speaking of Pepper, they’ve launched a landing page with a waitlist for their AI based shopping platform, but you’re still unable to redeem pending coins.

    tl;dr: There’s even more reason than ever to answer “nah man!” to the “how do I get into Pepper?” question.
  4. Smart & Final and El Super stores have a $20 grocery coupon with a $100 purchase of some gift cards, notably BestBuy, airbnb, Disney, Lowes, and One4All cards through Tuesday, limit one per transaction. The $20 grocery coupon expires on May 20.

    You should be in the 90-92%+ resale range for these cards.
  5. Several people wrote about a no-lifetime language (NLL) offer link at the generic American Express Business Platinum landing page. The bonus is 150,000 Membership Rewards after $15,000 in spend and $500 off of $2,500 in flights booked through American Express Travel within three months. I didn’t post it before because:

    – It’s very specifically targeted
    – There are better offers around
    – Gamers may worry less about NLLs than others

    Since I heard from several of you, I think my assessment to leave it out was wrong, mea culpa.

For those of you new to the game.

  1. The Rakuten shopping portal is offering $150-$300 or 15,000-30,000 Membership Rewards for credit card approvals with some Chase cards, and you’ll get it automatically with the Rakuten shopping extension installed in your browser:

    Sapphire Preferred ($300)
    Freedom Unlimited ($150)
    Ink Unlimited ($300)

    This absolutely beats any two player mode referral bonus as is and also makes the Sapphire Preferred slightly more attractive than an Ink. If they drop back to their apparently regular bonuses of $50, then you can do better with a referral from P1 to P2 or buy selling a referral click on a marketplace.
  2. Register for Hilton’s Q2 promotion for 1,000 bonus points per stay between June 1 and August 15. Normally I’d take the time to click and register for a promotion at any hotel that I may end up at, but this one is almost not worth the clicks unless you’re staying at multiple Hilton properties over that timeframe.
  3. Qatar Avios has an incoming transfer bonus of 30% from Citi ThankYou points through May 31. In theory they have until the end of June to post the bonus points, but in practice they’re arriving instantly.

    You can transfer Qatar Avios to other Avios programs, so this is effectively a transfer bonus to all of those too.

Chase’s real-world testing for self-affiliate links.

  1. Bilt has apparently leaked a transfer integration with JAL MileageBank, visible only after logging in, and then only sometimes. This will likely be really live around May 1 and it may have a transfer bonus then too. I don’t want to tell you how to feel about this integration, but I will say I’m quite excited personally.

    Why talk about it now if it’s not fully online yet? So you’ve got time to earn Bilt points for a possible transfer bonus in a week and a half. (thanks to nikaidoushinku)
  2. There’s a new link that enables what I’m going to call a targeted American Express sandwich. It utilizes three of my favorite five stack techniques:

    1. Business Gold with 200,000 Membership Rewards after $15,000 spend in three months (NLL)
    2. Business Platinum upgrade with 120,000 Membership Rewards after $15,000 spend in three months (this link is a hacked link, possibly risky)
    3. Employee card offers for 15,000 Membership Rewards after $4,000 spend on up to five employee cards

    Spend for (3) will work for both of the bonuses in (1) and (2) which gives lets you earn three bonuses with a single swipe. There are variations on this sequence to attempt to go further with employee cards, but I’m trying to keep this post short and I guess mysterious so we’ll cut it off here.
  3. Loyalty Lobby reports that Hilton is in the process of removing late check-out as an elite benefit, and standardizing the charge for late check-out across its brands. #bonvoyed
  4. American Express has a targeted offer for the Blue Business Plus card with 75,000 Membership Rewards after $6,000 spend in three months via head-on application and referrals. If you don’t see it, try incognito, other browsers, VPNs, mobile versus desktop, or by taping hot dogs to your fingers and typing with those.

Going overboard with hot dog fingers.

  1. Do this now: Register for Hyatt’s Q2 promotion for 777 bonus points per night on up to 20 nights between April 10 and June 9 at casino properties.

    We may not have The Dirty Castle™ any more for phantom spotting, but at least we have The Sad Samba™.
  2. Do this now: Register for National Emerald’s Q2 promotion for a free day with every two midsize or larger rentals of two days or longer between April 1 and June 22.
  3. Staples has fee-free $200 Visa gift cards starting Sunday and running through the following Saturday, limit nine per transaction.

    These are Pathward gift cards.
  4. This is your last weekend to figure out what to do with your Q1 American Express Business Platinum and Surpass Hilton credits. There are often local angles, but if you can’t find them or don’t want to deal with them, brunch at a corporate Hilton or Hilton Resort will almost always work in a pinch.

And let’s end today with a timely bit of weekend wisdom: In churning and manufactured spend the main goal is usually to take advantage of the spread between profit and loss, generally with very little risk, and turn that into a machine. Well, occasionally there’s a time where you know the spread is going to change for the worse at some point in the near future. When that happens, consider swinging for the fences taking to the extent that your risk tolerance allows.

Have a nice weekend friends!

Hilton Garden Inn breakfasts can be paid with AmEx credits (delicious breakfast not pictured).