Category: MS Hints

  1. Chase increased its sign-up bonuses on several business cards the day after devaluing most of them. The new bonuses:

    – Ink Cash: 100,000 Ultimate Rewards after $8,000 spend in 4 months
    – Ink Unlimited: 100,000 Ultimate Rewards after $8,000 spend in 4 months
    – Sapphire Reserve Business: 200,000 Ultimate Rewards after $30,000 spend in 6 months

    Each of these URLs ends in 0626, which means … something, surely.
  2. The Chase Amazon Visa has a sign-up bonus of $200 after *checks notes* $0 spend in 0 months, making this an ♾️x boost on your minimum spend, provided you don’t explode from dividing by zero.

    In all seriousness, the real value of this card is uncapped 5%, not a stupid $200. But if you’re sign-up bonus chasing Amazon cards, this US Bank Business one has a variable $250-$750 sign-up bonus depending on how the random number generator likes your current browser, cookie-set, IP address, etc. Unlike the Chase card, this one has a $150,000 annual bonus spend cap.
  3. Stop & Shop, Giant, Giant Food, and Martins 6x points on third party gift cards through Thursday. Per-account limits are either $500, $2,000, or $500 on Zift and $2,000 on everything else depending on the chain because uniformity is overrated.
  4. Meijer stores have 50,000 bonus points with $500 in third party gift cards other than Amazon through June 23. Scale with multiple loyalty accounts and with miracle doctors I guess.
  5. United Airlines now allows partner bookings with pooled miles on select partners, which in practice seems to be all partners except JSX. According to ToP, there are several non-JSX restrictions:

    – Not valid for Hawaiian Airlines flights except for inter-island
    – Not valid for Emirates flights other than JFK-DXB

    No, you’re not the only one that finds three things about those restrictions weird.
  6. The AA eShopping has shopping portal has 500 bonus miles with $200+ spend.

    Giftcards.com remains a great way to do this, or as reader Sean mentions, buy a gift card that you’d use anyway like Safeway or Home Depot at Newegg via Paze to double dip.

Have a nice weekend!

The last guy that divided by zero.

  1. Do this now: Register for Hilton’s Summer promotion for 1,000 bonus Qatar Avios and set Qatar Avios as your preferred travel partner. This works with each Hilton stay through August 31. (Thanks to FM)
  2. Accor has a Summer promotion for 4x points at new and updated properties, registration required through November 29.
  3. The US Bank Altitude Power Business Mastercard has an increased sign-up bonus of 75,000 points after $10,000 spend in four months. The card’s $195 annual fee is not waived the first year.

    Manufactured spend newbie spoiler alert: Visas and Mastercards aren’t the same, and there’s different value in both. There also aren’t that many 2.5x / 2x everywhere business Mastercards around.
  4. The Acorns investment platform has a great $1,100 promotion for churners with at least five players. To qualify:

    – Refer four new accounts by June 14
    – Have each new account invest $5

    If you don’t have your own Acorns link yet, ask a friend for theirs. If that doesn’t work, reach out to me and I’ll happily share a random churner’s referral. (Thanks to DDG)
  5. Wells Fargo is ending points transfers between accountholders on September 25.

    Another hint for the newbies out there: There’s a good reason that Wells Fargo is doing this. Big companies don’t often make changes for no reason.

Have a nice Tuesday friends!

Bonus newbie tip: There’s a reason people don’t put powdered cheese on pizza too.

  1. Do this now: Register for Wyndham’s promotion for bonus points on 2+ night stays booked by September 3 for stays through September 30. You’ll earn between 7,500 – 15,000 bonus points per stay and you’re limited to 15,000 total bonus points with the promotion.
  2. American Express Membership Rewards has a 25% transfer bonus to AirFrance / KLM’s FlyingBlue through June 30.
  3. AirFrance / KLM’s FlyingBlue released its June promo awards. US Cities include Atlanta, Boston, Chicago, Houston, New York, Seattle, San Jose, and Washington DC. Economy flights are 18,750 miles each way, and business class flights …. exist at absurdly priced levels.

    Summer to Europe via SkyTeam in business looks bleak.
  4. Alaska Atmos will raise its partner redemption fee to $20 on July 1.
  5. Giant Eagle Grocery stores have a promotion for 550 perks points with a $100 One4All Ultimate or Favorites gift card, both in-store and online, seemingly unlimited.

    The resale market for Giant Eagle points is tiny, but with the right finesse this is effectively a 10% rebate plus grocery store credit card spend.
  6. Best Western has promotion for 2,500 bonus points per night between July 1 and 7 at US and Canadian properties, registration required, limit 10,000 points. If you need a sales pitch to entice you to book: I’ve only heard of one opaque Best Western swimming pool this year.

Happy Wednesday!

“Opaque blue” beats almost any other opaque color in a pool at least.

  1. United has a 25% incoming transfer bonus for hotel points, registration required. The most valuable program for this promotion is Marriott Bonvoy (the first time in recorded history that someone wrote this seriously) which will transfer at a ratio of 1,200:700 when points are moved in 20,000 mile increments.
  2. Qatar Avios has a 30% incoming transfer bonus for Citi ThankYou Points through June 30, which makes the Citi → Qatar transfer ratio 1,000:1,300

    Qatar usually posts bonus Avios within a couple of minutes of transfer, though the terms and conditions say it could take 6-8 weeks. There’s a joke in there.
  3. The Citi ThankYou Mastercard, which is unfortunately no longer available for new applicants, sent new beginning of month offers:

    – Make eight purchases of $75+ for a $80 statement credit, once a month through August (total $240)
    – Make five purchases of $75+ for a $65 statement credit, once a month through August (total $195)
    – Earn 1,000 extra ThankYou Points for $500+ purchases, up to two times through June 30

    (Thanks to Shmuel, birt, and Tommy)
  4. American Express Membership Rewards has a 20% transfer bonus to Marriott Bonvoy through June 30, making the transfer ratio 1,000:1,200.

    For those keeping score at home, this is an absolutely terrible value, but there is utility in (1) top-offs and (2) resetting mileage expiration, especially for those without a stash of Ultimate Rewards which still has 55% transfer bonus.
  5. The Incomm gift card sites have fee-free $50+ gift card promo codes:

    – MasterCardGiftCard.com: Mastercards with code DAD26
    – VanillaGift.com: Visas with code VGDAD26
    – TheGiftCardShop.com: Visas, Mastercards, AmExs with code DADSDAY26

    I feel like they’re trying to tell us that something is imminent with their promo code names, but what do I know? Limits on these sites are $10,000 per rolling 24 hours and they won’t earn points or count for a sign-up bonus with American Express cards.
  6. The US Banking, Housing, and Urban Affairs Senate Committee (USBHUASC I guess?) is exploring the Bilt 2.0 launch uhhh process, and they’re requesting a response by June 9.

    There’s a joke in here too, but I’m definitely not going to be the one to make it. (Thanks to David)

Happy Tuesday friends.

This sentence was said twice (!) before the Bonvoy value sentence was uttered a single time.

  1. American Express Offers has new targeted offers for:

    – AirFrance / KLM: $250 or $400 back on $1,000+ or $2,000+ spend through May 31
    – Marriott: $50 or $150 off of $250+ or $500+ spend through August 22
    – Hilton: $40 off of $200+ spend through August 15

    For the hotel offer, a gift card is an easy game to play. For the airline offer, its not as easy but just like Jurassic Park taught us: gamers uh, find a way.
  2. Wells Fargo Offers and US Bank Cash-Back Deals have new offers at various Marriott properties:

    – Renaissance: 15% back up to $75 on $100+ through April 30
    – TownPlace Suites: 15% back up to $57 on $100+ through April 30
    – Le Meridian: 15% back up to $57 on $100+ through April 30
    – Marriott: 10% back up to $80 on $100+ through May 15

    These are usually a lot easier to deal with than American Express Offers.
  3. Staples stores have fee-free $200 Visas through Saturday, limit nine per person.

    These are Pathward / BlackHawk Network gift cards.
  4. ANA and Japan Airlines both set their fuel surcharges on the two month rolling average of the cost of Singapore Kerosine, which you might be surprised to learn, is a lot higher than it was a few months ago. As a result, the surcharges for both airlines have approximately doubled. You can find discussion and a few data points here.

    Someone please queue the whah-whah trombones for me.

Apparently the Japanese whah-whah trombones also have new fuel surcharges.

  1. Capital One rebranded its Spark Miles and Spark Miles Select business credit cards, and it brought new sign-up bonuses in the process:

    – VentureOne 1.5x everywhere, 50,000 miles after $4,500+ in three months
    – Venture: 2x everywhere and 75,000+75,000 miles after $7,500+ in three months and $30,000+ in six months

    I’m sure someone thought this was a good idea, but choosing to rebrand other cards as Venture when there’s already a Venture X (charge) card that everyone just calls “Venture” is a choice. Also, hello inconsistency with spacing. (Thanks to padbodh)
  2. Bilt introduced a way to earn points through referrals to your enemies which is frankly quite innovative. Richard Kerr was quoted in my imagination as saying:

    “We know that after failing to pay mortgages, numerous social media gaffs, and building the most obtuse rewards platform in history that you’d hesitate to refer our program to your friends and family, but we think you won’t have such qualms against your enemies. Now you can earn while you get revenge!”

    Well said.
  3. The AA eShopping portal has a promotion for 500 bonus miles with $200+ spend through Monday.

    Giftcards.com remains a viable option, especially when you’re stacking offers.
  4. Chase Offers has an offer for a 10% statement credit with Best Western spend May 24, with a maximum credit of $32.
  5. Southwest has a promotion for 2x companion pass qualifying points on cobranded card spend at home improvement stores on up to $10,000 through June 30, registration required.
  6. Breeze has a promotion for 20% off of base fares booked by tomorrow and flown through January 12, 2027 excluding winter holiday travel with promo code PLANIT.

    I realize it’s been a while since we’ve had another Breeze RouteMap Dartboard Bingo™ call so let’s make today’s a twofer: South Bend IN to Fort Meyers FL, and Cincinnati OH – Portland ME. If you got Bingo, come see the host for your prize.

Happy Wednesday!

Bilt Partner restaurant Tom’s Diner shows that it’s a team player.

Taxes and manufactured spend are often intertwined and given that taxes are sort of due tomorrow, let’s focus on some churning centric tips. Before that though, it’s time for my periodic reminder that I’m not a financial professional and I’m definitely not your financial professional, but I do know how to spell professional without autocorrect so that’s something.

So, let’s start with deadlines:

  • Your 2025 tax return or extension is probably due tomorrow
  • Your 2025 tax bill is probably due tomorrow
  • Your 2026 Q1 estimated taxes are probably due tomorrow

Next, information on payments:

  • You can pay taxes with a credit card or debit card
    • ACI: credit fees 1.85%-2.95%, debit fees $2.10 (2x per tax form)
    • Pay1040: credit fees 1.75%-2.89%, debit fees $2.15 (2x per tax form)
    • Plastiq: card fees 2.99% + $1.49
    • Melio: card fees: 2.9%
  • If you’re seeing higher fees when paying with a card, try wrapping it in PayPal

Ok cool, now how you can get something out of this:

And finally, some gotchas:

  • Churners have lots of 1099s because reasons, and when there are lots it’s easy to miss one. If that sounds like you, consider waiting until June for your IRS transcript to be fully populated and use it to cross reference your paperwork
  • Not all 1099s have taxable income, and not all taxable income has a 1099

Good luck, and I’m sorry for the time-suck you’re going to have to endure dealing with this.

Too soon.

EDITOR’S NOTE: If you don’t know what I’m talking about, the specifics don’t matter. But the general advice, inertia kills, always applies.

Did you get a letter from Bank of America in the mail over the weekend, yesterday, or maybe in Informed Delivery today about that automatic thing? You’re definitely not the only one, they’re showing up in batches and in theory the jig is up on May 2.

What do you do if you’re affected?

  • Hit it as hard as you can until you can’t, the downside of doing so is minimal now
  • Find other regional versions of the thing, ideally more than one
  • Send (more) sirens in every chat room, but only if your name starts with a J and ends with an immy

But thinking bigger picture, remember that inertia kills and you were just its latest victim if you don’t have other plays waiting in the wings. Fortunately you can fix that going forward if you’re scrappy. Always be probing.

The normal BofA letters, on the other hand.