1. Remember how we discussed that you should turn off American Express’s Pay-Over-Time feature, because reportedly having it on can use up one of your five total credit card slots with AmEx, and you won’t get bonuses for enabling it if it’s already on? There’s a new rub:

The American Express Green card seems to be counted as a charge card according to multiple threads in private forums and this thread at Reddit. So, if you want five AmEx credit cards, either ditch that Green or upgrade it to a Gold which isn’t counted as a credit card, but rather a charge card. I personally wouldn’t mind having another 3-4 Gold cards, they’re no-brainer value cards for me.

2. It’s time to liquidate your AmEx Business Platinum Dell credits, just make sure you’ve enrolled for the benefit at the American Express website’s “Benefits” tab before you buy. The vitals:

  • Dell Home is 10x at Rakuten as of this writing, though Rakuten punked me twice on Monday, so who knows how long it’ll stick around
  • You can use the code GAME10 for 10% off of Xbox gift cards (the smaller the denomination, the faster it sells if you’re selling yourself, or liquidate with trusted gift card outlet immediately for 80-82%)
  • You’ll earn 3% in Dell rewards on this purchase to use in the second half of the year for liquidating more AmEx credits
  • American Express is really good at quick statement credits from Dell, and Business Platinum cards earn $100 Jan-Jun, and another $100 Jul-Dec each year

From my internal monologue: How did this week turn into an American Express / Rakuten week?

A picture of a comic brain with a thought bubble that contains "..." on a pink background.
Internal monologue loading.

1. Do this now: Add your American Express Personal Gold cards to your Uber wallet. You’ve probably heard elsewhere that American Express is getting rid of the Personal Gold card’s $100 airline fee credit in 2022, and to make up for it they’re adding a monthly $10 Uber/UberEats credit in 2021 and beyond; its arrival is imminent and it’ll show up automatically as long as those cards are in your Uber wallet.

Don’t forget that if you have Uber Cash from a gift card or from simply loading it on your own in your wallet, you should probably spin up a burner account for holding your AmEx Uber credits. See AmEx Uber Credit Woes for more info.

2. It’s time to check for any credit cards that have had annual fees post and call them for a retention offer. I suggest saying something like: “I’m thinking of closing this card given its high annual fee, but before I decide what to do I was wondering if there are any retention offers or spend bonuses.”

3. If you’re a Delta Platinum or Diamond Medallion, make sure you’ve chosen your Choice Benefits for the 2020 Medallion year by January 31, otherwise you lose them. To be as clear as mud: You earn your 2020 Medallion status in 2019, and it expires at the end of February 2021, but you choose the benefits by the end of January 2021. Easy, right?

4. Expedia is devaluing its VIP rewards at the end of the week (points will no longer be worth double on VIP hotels starting 02/01/2021). If you have any points, see if you can sneak a booking in before they’re worth a lot less.

Twirling toward freedom cleanliness.

There have been theories floating around the community for a couple of years regarding how many American Express credit cards (not to be confused with charge cards like the Gold, Platinum, and Green) a single person can have. Depending on who you ask or where you look, you’ll find some consensus at a limit of either four or five.

New evidence is emerging on Reddit and in private channels that suggest a limit of below five cards is caused by holding one or more charge cards with Pay-Over-Time enabled. So, I’d like to again suggest that you un-enroll from Pay-Over-Time at this link to free up more slots for AmEx credit cards, especially if you’re close to or right at the five-ish card limit. AmEx also sends gifts for charge cards not enrolled in Pay-Over-Time, so double win.

A wallet that is comically stuffed full of cards and papers.
Do you really want to fit a charge card in one of those slots?

I know most of you use credit cards, shopping portals, points, and gift cards as part of your overall travel hacking strategy. Maybe my sample size is just too small, but I don’t really know of anybody including cell phone burners in that strategy regularly, and I think that’s a mistake. All you need to start with cell phone burners is an unlocked phone and some cheap SIM cards. I’m guessing a lot of you probably have an old, cracked-screen unlocked phone already in your junk drawer so you don’t even need to use your main phone for SIM swapping.

Here’s why cell phone burner numbers are useful to a travel hacker:

  • Uber Eats gives new accounts $25 off of orders, and $10 off for referrers. (A new account really means a new phone number).
  • DoorDash gives new accounts 3x$10 off of orders, and $15 off for referrers. (Remember, new account really means new phone number).
  • CashApp gives new accounts $5 and the referrer $5, but more importantly, you have more access to some of the excellent CashApp boosts. (New account = new phone number, blah blah blah.)
  • Fluz gives 3×35% off vouchers for gift cards to new accounts, and 1 voucher to the referrer. The referrer also gets a very small percentage of the commission on gift cards purchased by accounts that they referred.
  • Deals come up all the time that require an existing number. When you’ve got an existing number that you don’t use, you can it take advantage of that right away without affecting your main phone number. A recent but not representative example of this deal was buying 10 Xfinity iPhone SEs for $15/mo total ($1.50/phone). Lots of times, the deals only need a single phone number for port-in or trade-up, they’re not all this complex.
  • Are you banned by a store or an airline? Using a name variation, address variation, and a new phone number, say from a burner, will usually get you jump-started and back in the game.

There are always deals like the above coming up, and having burners lets you take advantage of them at scale.

Here’s why I’m writing this today: BestBuy and Target are both selling Ting SIM cards with two months worth of credits for $0.99. With each SIM card, you can get a new burner number. You don’t have to use them right away either; you can buy a couple now and put them in your sock drawer for when you need them or want to use them in the future.

When you set up the Ting SIM card, give them a Citi Virtual Account Number card or similar that expires before they try to start billing you for the third month so you don’t have to remember to cancel. If the number is useful, you can keep it for $5 per month by porting it to Tello. (Don’t forget to use a portal for $10+ back from Tello when you port.) I’m sure there are other ways to keep a phone number for even cheaper, but I haven’t needed to find them.

My suggestion to you: Buy least two of these sim cards for $1.98 out of pocket, then incorporate them into your travel hacking at your leisure.

a cellular phone dropped into a toilet bowl
One man’s crisis is another man’s opportunity for a burner.

The American Express Master Value Injection (MVI) is back for 2021 for Personal Platinum cards at least. They now give up to $30 per month in PayPal statement credits, which I guess is a barely passable replacement for PayPal Key no longer working with AmEx. Call it the Master Value Injection 2.0. This is good from January 1 through June 30, giving you 6 months * $30/month or $180 in total credits per Personal Platinum.

I personally would buy discounted gift cards for resale from anywhere but PayPal Digital Gifts when a deal comes up, or use Fluz with PayPal checkout to liquidate these credits. I suppose you could also be basic and liquidate via real purchases. Fluz has a pyramid scheme built into it, so find a friend for a referral if you haven’t used it before, or contact me for one if you don’t know anyone else.

There’s some bad news too though. American Express is again charging the excise tax for transferring miles to US based travel partners (Delta, Hawaiian, JetBlue). Call it the Master Value De-Injection. Ok, so this resumption was due to the CARES act suspending the taxes until 12/31/2020, not AmEx directly; but whatever, I still blame AmEx for charging it in the first place.

A nurse's hand injecting a syringe with clear liquid into a woman's arm.
American Express (left) injects “Master Value” into you as a Platinum card holder (right). Since businesses don’t have arms, this doesn’t work on the Business Platinum.

Do this now: Unenroll your American Express charge cards from pay over time.

American Express quietly auto-enrolled cardmembers in pay over time during Q4 of 2020 and you could be forgiven for missing it, it wasn’t well publicized. Click the above link and deactivate pay over time for each charge card you’ve got (Green, Gold, Platinum, Centurion, Unobtainium, etc) because:

  • American Express periodically sends offers of at least 10,000 Membership Rewards points for (re-)enrolling in pay over time. We’ve seen re-enrollment offers just this week. I’m going to classify them as the strangest gift I’ve gotten this holiday season.
  • Paying interest from carrying credit card balances is bad-news-bears: The rewards aren’t worth the fees you’re paying. Don’t play this game until you’re not paying interest. Unenrolling from pay over time removes that possibility from these cards.

Once you’re unenrolled watch for offers for bonus points from American Express and take the bonus when it comes (then unenroll again after the bonus posts).

Billy-Bob Thornton telling you to unenroll your charge cards from pay over time, or else.

The end of the year is fast approaching. If you have a premium travel credit card that reimburses for travel expenses, make sure you’ve used them all. For Chase this is trivially easy because they work for travel, gas, and groceries.

For American Express, let’s just say you’ve got your work cut out for you, though it’s easier during COVID since most airlines will convert small purchases to travel bank funds. For reference, check the relevant Flyertalk thread for the airline you’ve selected:

I can’t believe I’m saying this, but United might be the easiest way to do this with direct funding of their TravelBank.

Woman playing whack-a-mole arcade cabinet game.
AmEx RAT team closing loopholes

Now that you’re full of can-shaped “cranberry sauce”, don’t forget to clean-up a few things for November before it’s too late:

  • Use PirateShip.com to load $20 credit to your account (AmEx Business Platinum cards’ shipping credit)
  • Prepay $20 to your cell phone bill (all AmEx Platinum cards’ cell phone credit)
  • Load $20 to your iTunes balance (AmEx Personal cards’ streaming credit)
  • Spin up an Uber burner for December if you need to (if you have an Uber Cash balance)
  • Use up any Chase Sapphire Reserve $1,000 5x grocery spend
  • Call for a retention offer on any credit cards that had their annual fee post this month
Woman falling down while loading a washing machine
AmEx cardholder using the monthly dishwashing credit