1. Kroger has a 4x fuel points sale on third party gift cards other than Amazon starting tomorrow and running through Monday evening.

    And with Target resale rates recently returning to 91%+, I think it’s safe to say the major brand bulk gift card reselling market has healed from its Pepper burns.
  2. Blit Rewards* cut earnings on rent payments made with a credit card to 0.5x.
  3. Bluebird and Serve will be shutting down in June 2026, which gives you *checks notes* a full year to finish abusing them, ideally with five per social security number.
  4. Citi ThankYou’s reduced value cash-out for Strata Premier cardholders won’t affect those with linked Rewards+ or Double Cash cards in their ThankYou Points accounts. To link your Premier and another card to the same ThankYou Point pool, call 800-842-6596.

    Note that linked cards can be unlinked in the future, but it does weird things to points held in your account and may inadvertently cause points expiration depending on your card portfolio. To be safe if you ever unlink, make sure every card has earned at least one point in the last 18 months.

*The company gets too much undeserved press, so (1) I’m not linking them, and (2) quoting reader Jim’s sage advice “I don’t care what  the media says about me as long as they spell my name right.”

Blit Reward’s company kitchen shopping list.

Last Friday was best known because it was National Christina Day, but something a little less overt happened Friday, hidden in the noise of the National Christina Day parades: Chase shutdown some of its biggest manufactured spend abusers in a second round of purging about a month after the first round. This round of shutdowns appears to be for:

  • Floosies that accidentally or purposefully took advantage of bonus multipliers to the tune of at least a few thousand dollars
  • Churners who found their own ways to trigger bonus categories and did so with medium to heavy volume this year
  • People with large suspicious money flows in our out of their deposit accounts

The first two groups saw only credit cards close while deposit accounts were untouched. The last group saw everything closed. There are enough questions swirling around the churnosphere that probably the subject probably deserves answers beneficial to the whole commnity:

[Q]: What happens to your points when Chase shuts you down?
[A]: They stick around for 30 days unless you’re in New York, in which case it’s 90 days. In rare cases your points vanish immediately, but this is only when Chase suspects fraud or money laundering.

[Q]: Can I get back into Chase if I was shutdown?
[A]: It very much depends on the reason, and how you were shut down. Depending on the circumstance, it’ll be one of: you’ll never see another card again, you’ll be back in after five years, you’ll be approved for cards but they’ll be shut down in a month or two, or you’ll be back in 60-90 days

[Q]: Is there anything I can do to reverse the shutdown?
[A]: There are certain types of shutdowns like bust-out risk that can be overturned by the Chase Executive office. Unfortunately, this round doesn’t seem to be related to any of those types of shutdown, so for those affected in April and May the answer is probably no

[Q]: If Chase shuts me down, can I link new transfer partners in the Ultimate Rewards portal post-shutdown?
[A]: Yes

[Q]: Will pending points post after I’m shutdown?
[A]: Yes

[Q]: Do I need to worry about another round?
[A]: Probably if you know the details of what happened to trigger bonus categories and you had significant volume; otherwise probably not

[Q]: Should I self-shutdown preemptively?
[A]: I would if you were part of the bonus category shenanigans and you haven’t been axed yet

[Q]: Do I need to worry that I’ve maxed spend on my Chase Ink Cash cards at office supply stores?
[A]: No

Good luck, and happy Monday!

Next time: The story of how boomer-era Chase Manhattan Bank helped propel National Christina Day into the worldwide spotlight.

EDITOR’S NOTE: We’ve got two special characters in the title today, let’s see what fragile internet infrastructure chokes, you know, for science.

  1. United blocks some Star Alliance redemptions from its US members, but Roame discovered that switching your location in the web site’s header to another country, like, I dunno, Zimbabwe, opens up more award inventory.
  2. Yesterday Bilt added Southwest Rapid Rewards as a transfer partner, which can be interesting given Southwest’s double-variable award redemption pricing that occasionally pushes its value up to ~1.8 cents per point. For people that don’t think in US currencies, that’s a whole 0.8 cents more than a penny worth 1.0 cents per point.

    Side note: I’m often simultaneously both “annoyed at” and “awestruck by” Bilt. Something they’ve been really good at is staying in the news every month with Rent Day, and lately they’ve been good at staying in the news weekly or more with program changes, like JAL MileageBank leakage, adding student loan redemptions for certain loans, earning a point per dollar and paying a 3% for third party credit card rent payments. The card and its benefits are decidedly average and acceptable, so don’t let its marketing machine make you think it’s better than it is.
  3. Staples reportedly 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. Citi is devaluing transfers for the Rewards+ and Double Cash card on July 27:

    – JetBlue TrueBlue: 10:7
    – Choice Hotels: 10:14
    – Wyndham Rewards: 10:7

    Other cards are unaffected. This coincides with the Emirates Skywards devaluation of 10:8 on the same date, which unfortunately affects all cards. (EDIT: Thanks to Led for letting me know about the Double Cash too)

Have a nice weekend friends!

Bilt’s marketing versus reality, but as a chess set.

You’ve no doubt heard that Southwest announced they’d be moving from a mediocre product offering to a bad product offering yesterday because literally every news outlet, blog, skywriter, and mommy stroller affiliate site wrote about it. I tried to ignore it here, but instead decided to write a quick summary in iambic pentameter to keep it fresh:

On fares most cheap, a fee doth now descend,
for Wanna Get Away, a basic name doth lend.


Flight credits, once free, now swiftly fade,
yet open boarding’s chaos still we’ve made.


Elites and cardholders find some gentle aid,
yet still, no first class seats or distant shores are displayed.

Midway’s woes persist, a traveler’s plight,
even Spirit offers more comfort in its Big Front Seat’s light.

Rapid Rewards points now face variable fate,
their value shifting with each flight’s demand and date
.

Sorry, even I feel dirty after that one.

When non-travel sites cover travel stories:
Do they mean that (a) Southwest will charge the bag’s battery, or (b) that they expect the bag to pay?

We have a lot of strange updates to slingshot us into the weekend, just like yesterday’s SpaceX Starship was slingshotted (slungshot?, slingshat?) to orbit:

  1. The next installment of American Express versus the Floosies dropped. In the new chapter, Chapter IV: That Time Maurice Posed in Duck Face, American Express blocked most floosie merchants, preventing charges from going through. This was made especially easy because the floosie merchants all shared some common traits.

    My opinion: The floosies are lucky that it shook out this way and that it wasn’t worse. I bet they’ll strike back though.
  2. The AA, Alaska, Delta, Southwest, United, Airline shopping portals have limited earn on giftcards.com purchases to the first $20,000 per rolling 365 days. Emirates, JetBlue, and Virgin Atlantic have limited earn to the first $2,000 per month. The curious case of another portal remains a curious case though.

    My takeaway is that giftcards.com orders through an airline portal should only happen when the bonus is 2x+, or when there’s a cumulative spend shopping bonus.
  3. Recurring American Express statement credits for airline incidentals, $200 Dell credits, $10 telecommunications, $10 GrubHub, $50 Saks, and $20 flexible business credits stopped posting for charges after February 17. Resy 10x and 15x bonus points stopped around the same time too. Don’t stress, it’s not you, it’s them. They’ll get it fixed eventually, this happens roughly every year.

    Dunkin, Hilton, Clear, Walmart+, and Resy restaurant credits remain unaffected.
  4. Office Depot / OfficeMax stores have $15 off of $300 in Mastercard gift cards through Saturday. Buy in even multiples of $300 for a bigger overall discount. Also, finally, something normal!

    These are Pathward gift cards.

Have a nice weekend friends!

Yes the duck face is real, and no you won’t find it here.

American Express shut down the accounts for a large number of churners yesterday. If you were affected, I’m sorry, that sucks and I hope you’re back with AmEx soon. What happened exactly? Let’s start with vitals:

  • Shutdowns happened between 1 PM and 5 PM Eastern
  • Shutdowns didn’t occur simultaneously, they were spread throughout the day
  • The Apple Pay early warning system didn’t work this time
  • Shutdown emails used the reason “accounts […] not being used for the intended purpose”
  • Applying for a new card after shutdown was instantly denied with the reason “previously engaged in abuse, misuse, or gaming”

Now, let’s talk causes. I don’t work at American Express so I can’t offer definitive evidence, but we have plenty of data points that all point in the same direction. Those say:

  • PayPal games didn’t cause this
  • Employee cards didn’t cause this
  • Referrals didn’t cause this
  • Back-button didn’t cause this
  • Lots of sign-up bonuses didn’t cause this
  • Fitness club history didn’t cause this
  • The floosies were a common denominator and probably came back to bite

Notes and lessons from American Express shutdowns in general:

  • You can’t add new transfer partners once a shutdown happens*, so add partners now
    *… unless you have an AmEx business checking account
  • You can only transfer 999,999 Membership Rewards per day per transfer partner
  • AmEx doesn’t close other players at the same address for guilt by association
  • You’ve got until the end of the day to cash out your points when you’re shutdown
  • If you cash-out with gift cards, only the physical ones work post shutdown
  • AmEx won’t refund annual fees for shutdown cards on their own
  • You can accelerate pending Membership Rewards points if you make a payment, call, and get lucky
  • Don’t trust the reasons for shutdown from commenters that weren’t part of the shutdown

And finally, my advice:

  • Shutdowns probably aren’t over yet
  • If you rank high on the floosie scale and aren’t yet shutdown, consider a sneak-attack-strike-back
  • If you end up shutdown and a rep tells you they can’t help you transfer your points, HUCA
  • If you have lots of posted charges and pending points, try and get them accelerated
  • Don’t forget about the arbitration clause for pending points that haven’t posted

Good luck out there!

A small post-shutdown brew to lighten the evening.

  1. Do this now: Register for double points at Choice hotels through April 7, but the offer is only good on up to four stays because how dare Choice encourage you to stay more than 4 times?
  2. Mastercardgiftcard.com has fee-free gift Mastercard cards with promo code MCGIFT.

    You can buy up to $10,000 of these per account per rolling 24 hours. Don’t use an American Express because it won’t earn points, and make sure you have an air-tight liquidation plan because these InComm issued cards have gotten difficult.
  3. The CFPB has effectively been shut down. Expect more on this later, but for now assume that no government agency will take action on your CFPB feedback from this time forward, and explore other options when you demand satisfaction.
  4. You’ve got until February 28 to finish earning AA Loyalty Points for the current elite year, and right now PointsYeah is offering 25 miles per dollar through the AA eShopping portal in case another 2,500 miles will make the difference for you. It didn’t for the CFPB though so there’s that.

How to recognize a churner in the post-CFPB world.

MEABNOTE: I’ll be going on a blogging vacation at the end of the year and there won’t be any daily posts between December 18 and December 31. After that, we’ll ring in the new year on January 1, 2025 with the 2024 version of Travel Hacking as Told by GIFs though, so no need to be up in arms, but I guess it’s ok if you’re up in legs.

  1. Do this now: Register for Hilton’s Q1 promotion for double points for stays between January 1, 2025 and April 30, 2025.
  2. The Barclays Frontier Mastercard has a sign-up bonus of 100,000 miles after $3,000 spend, Gold elite status, and a $100 flight voucher. You have to have another airline’s co-branded card to be eligible, and you have to spend in either 90 or 180 days, depending on how you interpret the terms and conditions, or more accurately how Barclays interprets the terms and conditions. You can verify your reading comprehension and that your other airline co-branded card is eligible here.

    Make sure to put a reminder in your phone to go verify the other airline co-branded card in Barclays’ systems after you receive the Frontier card. (Thanks to FM)
  3. American Express’s referral bonuses are currently at a relative maximum, and in the last week or so more people have been able to generate the heightened offers. The referrer will get between 15,000 and 30,000 Membership Rewards, and the referred offers are:

    – Business Gold: 200,000 Membership Rewards after $20,000 spend in three months
    – Business Platinum: 250,000 Membership Rewards after $15,000 spend in three months

    It’s ok for P1 to use P2’s referral and vice-versa, and if you don’t have one of those, ask around for a heightened referral offer and make a new churning friend; it’s a great way to network too.
  4. The Daily Churn podcast’s most recent episode discusses two interesting plays combined together that are below surface level but sort-of out in the open, starting at 28:00 minutes in:

    – Gift of College Cards at giftcards.com
    – The Kudos quasi-portal card-linked bonus program (use a friend’s referral code)

    The quick summary is that they’re working well together.
  5. American Express has a new Membership Rewards to JetBlue 25% transfer bonus through December 31, which makes the transfer ratio 1:1. You’ll often do better booking with a Business Platinum though.
  6. A PSA and warning: American Express links that were put together artificially by combining multiple offer components in an unintended way keep finding their way onto public blogs, which is ok, but they’re not labeled or explained as manufactured artificial links. My suggestion: Always know the provenance of no-lifetime language links that you’re using. DDG has appropriately labeled this recently, but not all bloggers are doing so. What’s the link? This time it’s a 100,000 Membership Rewards personal Gold link with a $6,000 spend in six months requirement, but others have surfaced over the last couple of months for Business Golds and Business Platinums too.

    How risky are these links? It’s been over 6 years since there were reports of adverse action for using unintended links, so the risk is probably low, but I don’t like when you’re not told that you’re taking a risk with a manufactured link, even if it’s low. One day of course American Express may decide that it doesn’t like people making links themselves in ways never intended to work. Since no one asked my opinion: The risk isn’t worth it at 100,000 points, but if it were 80*270,000 points we’d be having a serious conversation.
  7. Spirit Airlines has a status match to either Silver or Gold that lasts 90 days, and a there’s a fast-track challenge to hold it for longer (I imagine the challenge won’t make sense for any of you unless your name starts with an “S” and ends with a “hay”). Status doesn’t let you pick a big front seat for free, but it does waive plenty of other fees.

Breakage from failed reading comprehension illustrated.