Category: MS Hints

There’s a lot of opportunity kicking off the week, let’s hope it continues through Labor Day weekend (which, by the way, will likely be a great weekend for gift card reselling). Let’s dive in:

1. Office Depot/OfficeMax is back with my favorite promo: $15 off of $300 or more in Visa Gift Cards, now through Saturday. This is a $1.10 money maker when buying two regular $200 Visa Gift Cards. If you try slightly harder, say with the Everywhere variety of Visa Gift Cards and by linking your card to Dosh it becomes a $15.10 money maker without considering credit card rewards. If you go for the Everywhere cards note that they’re locked to specific merchants, but some of them are broad enough to make liquidation a breeze.

Do you have any burner cell phone numbers? Perhaps at least one for each credit card you have that bonuses at Office Supply stores? Create a Dosh account for each of them so you can scale the daily Dosh $10 max.

2. Dean let me know that Brex is back with a 110,000 points bonus through a partnership with Peyd. These points cash out directly via Brex at a penny a piece, or you can transfer them 1:1 to eight different airlines, some of which are actually useful (FlyingBlue, Asia Miles, and LifeMiles all have a unique sweet spots).

I signed up for Brex when it was first available and my biggest surprise with it is that the account is actually useful on an ongoing basis, not just for the sign up bonus. I’ve been happy with it for payroll hacking and for MS in certain categories.

Reportedly Brex will also let you sign up with Sole Proprietorship businesses now, but they may ask to see a tax return with a Schedule C.

3. Stop & Shop and Giant stores have 3x GO Rewards on Mastercard purchases, and 10x on Apple gift card purchases this week. I really like the Apple angle with resale rates hovering at about 93%, especially when combined with a credit card that bonuses at grocery stores.

Waiting for the light to turn plaid to drive into the OfficeMax parking lot.

PayPal has a targeted deal running for 10% back from Target. As you saw yesterday, the Point rewards debit card has a 10x offer running at Target now too. An obvious question: Can these deals combine for 20% off? The answer is probably, though nothing is guaranteed until the data-points start rolling in. So, here’s how I’d play this:

  • Verify that you’ve got the PayPal Target deal (search for “Target” at this link)
  • Save the offer to your PayPal account
  • Add your Point debit card to your PayPal Wallet
  • Use cashbackmonitor.com to find a smaller, unknown portal (unfortunately it’s slim pickings right now)
  • Add one of the following to your cart:
    • A $500 gift card (Disney, Home Depot, and Apple gift cards are your best bet for resale)
    • Groceries and home goods that you’d buy anyway
    • Game consoles for resale if you can find them
  • Checkout with PayPal, using your Point debit card as payment

Ok, easy enough. We likely just got 20-21% off based on whether or not the portal tracks. (Hint: smaller portals still occasionally track on things like gift cards at many stores even when the big ones don’t).

I’ve kinda buried the lead here though: with these two deals stacking, you can get 20-21% off of Disney park tickets (via a Disney gift card). That’s honestly almost unheard of and if Disney is in your future in the next couple of years, I’d hit this one. If you open multiple PayPal accounts, a personal plus one for each of your “multiple businesses”, you can scale this deal even more; but after the first $500 it’ll turn into a 10-11% back offer because you’ll use up your Point spend capacity. Of course you will be able to get some credit card rewards in place of Point.

As always, if you don’t have the Point debit card and want to get it, make sure you use a referral link for a higher sign-up bonus. (The best that I know of is currently $100 after spending $1,000.) I’d rather you use a friend’s referral link, but if you don’t know anyone who has one feel free to reach out to me and I’ll share mine.

Targeting Target: Just one step away from this nonsense.

A few of items to watch for this weekend:

1. Ready for another week of treadmill running with $200 Mastercard Gift Cards? Staples has your back with another fee free offer, limit five per transaction. I like it, but I don’t like it as much as the Office Depot/OfficeMax version which ends tomorrow because that one starts out as negative cost and gets even better with Dosh. The Staples one is “just” at-cost spend.

Related side note: Another card linked program, Ibotta, has worked with Staples online purchases in the past but seems to have died for anything useful (thanks to SideshowBob233).

2. The Citi Shop Your Way Mastercard has sent new targeted offers for the second half of August. I got one for $50 off of $750 in spend with the subject “Matthew, open now to unlock your special limited time offer! 🌟“, and there are reports of other offers for 15x on utility payments, which are honestly among the easiest categories of payments for manufacturing spend. Never heard of this card? That’s probably because as far as I know it doesn’t pay anyone a commission so you won’t find much written in the usual places.

Incidentally, the Citi Shop Your Way Mastercard is one of the next Miles Earn and Burn Unsung Hero cards thanks to its gameablity, monthly spending bonus offers that stack, and no-annual fee. This card is smoking hot.

Sam from Milenomics reminded me that the best sign-up bonus for this card is in-store at Sears and includes a free two-liter bottle of soda 🤣 in addition to the regular $40 bonus.

3. You might be pleasantly surprised to find that your Hyatt status was extended to Feb, 2023. Here’s to hoping it sticks for those of you that got it!

The smoke you’ll be dealing with today, probably a coming from the smoking hot Citi Shop Your Way Rewards card.

Let’s roll with the punches today:

1. It seems that GoBank will no longer be the new blue(bird) as of October 31; they’ve sent an email to multiple cardholders indicating that the product would be shutting down. I haven’t seen one yet for my account, but I do believe the reports are credible. Unfortunately the replacement Go2Bank card so far doesn’t seem to be amazing.

Hint: Allow me to be Alec Baldwin with the phrase: “Always be probing.” You should always be probing reloadable debit cards on sale at Walmart. The fact this this one died doesn’t mean that there aren’t other alive options.

2. There are also multiple reports that American Express has clawed back the 4x bonus points from a prior offer this spring for referring a friend to a new card. Some reports suggest that this is true even when AmEx didn’t have L3 charge data (showing what you purchased). It’s unclear why the AmEx RAT team chose this promotion as their flex, but so far I wouldn’t stress about it too much with respect to other MS activities on AmEx cards. I genuinely don’t think it will lead to any further shutdowns.

3. Cash.app reloads stopped counting for T-Mobile Money’s monthly ten transaction limit, which unlocks 4% APR on balances of up to $3,000. (Personally, I like the HMBradley deal for 3% APR up to $100,000 a lot better, especially if you’re good at manufacturing very small direct deposits.)

Channel Alec Baldwin and roll with the punches.

Office Depot OfficeMax (I literally never remember which parts of that store name are supposed to have a space and which aren’t) has another negative cost manufactured spend opportunity available: $15 back on a purchase of $300 or more in Mastercard Gift Cards. For the best bang for your buck:

  1. Link your credit card(s) to Dosh in the mobile app before heading to the store. You’ll get an extra 2% back, up to $10 per day
  2. Buy two $200 Mastercard gift cards
  3. Get two more $200 Mastercard gift cards, and go to step (2) with another transaction (if you’ve got a friendly cashier)
  4. Log in to Dosh a few hours after the transaction to claim your cash back

You’ll spend $398.90 per transaction for $400.00 in gift cards and you’ll get another $7.97 cash back from Dosh.

One of the frequent questions I get lately is “How can you liquidate these from home?” I’ve got a few answers that I’m glad to share publicly, and a few that are more fragile so I won’t share them here. I will however drop the generic tip that I encourage you to explore around — opportunities do exist. Start looking for payment processors and bill payment platforms because that’s where pay dirt usually lies. In the mean time though, you can liquidate from home via:

  • Bravo payment app: see the defunct Middle Aged Miles blog for more. Side note: do some great internet sleuthing and app hacking if you want better than 2.9% rates, but it’s fraught with peril and you should probably never take my advice about anything
  • Paying estimated taxes quarterly, two per payment processor (PayUSATax, PayTax1040, ACI Payments)
  • Micro-lending on Kiva
  • Reloading your Amazon balance
  • Pay your utility bills, most accept “debit” card payments

Good luck out there!

With this many major players involved in payment processing you’re bound to find loopholes. Let’s not forget that there are many, many more minor players too.

The frequency of US Mint coin deals has been turned up to an eleven recently as you’ve probably seen on a dozen other sites. I want to call out a few things that you probably won’t see everywhere else in anticipation of today’s deal at 12PM Eastern, which will be a nice manufactured spend and money making opportunity:

  • American Express has been awarding points on US Mint purchases despite scares about that wouldn’t after new language was added to the Terms and Conditions of personal cards
  • Using a Citi personal credit card will often trigger a fraud alert, and by the time you get that cleared up the coins will probably be sold out, so just don’t do it
  • You have a better shot of getting in on the deal if you’re logged in and ready 10 minutes before the deal goes live
  • Most of these deals will take about 15 minutes of your time to buy and you’ll earn $100 or more and some manufactured spend for the trouble, so do look into participating if it’s right for you
  • You can scale this deal with other trustworthy addresses, like perhaps those of your immediate family or your own PO Box, just use a separate US Mint account for each
  • If you’re even slightly techie, you can pre-construct the URLs for adding the coins to your cart and then load them right when the clock turns: Take the link for an existing product’s “Add to Bag”, then change the product id and quantity to match the new deal (todays product id: 21EMN)
  • Vinh at Miles Per Day consistently has the best offers I’ve seen. I consider him trustworthy, but do your own diligence and homework and then make your own decision

Before committing to any seller, shop around at Miles Per Day, PointsMaker, PFS Buyers Club, TheCardBay, and The Deal Buyer for the best deal, and make sure you choose a buyer that you trust.

An image of a mint/chocolate flavored treat.
Pictured: Mint coin.

It’s shaping up to be a great weekend for getting out there and ginning-up some spend. Alternatively, if you’re like me you’ve burnt out on manufactured spend after a week and a half of Kroger’s 4x Fuel Points promotion it’s a good weekend for chillin’. You decide:

1. Staples is selling fee free Visa Gift Cards again starting on Sunday and running through a week from Saturday, limit 5 per customer (or per transaction in most cases). Just make sure you have a liquidation method before you load up on these.

2. Simon Mall online is having a flash sale for 50% off of Visa gift card fees using promo code FSAUG50 through this evening. These are an interesting way to meet minimum spend for second tier banks (definitely not for American Express, you won’t earn points and the spend won’t count toward a sign up bonus). If by some miracle you have one of the card numbers for yesterday’s Bank of America shenanigans handy this could be a great way to run up a balance for payment shenanigans on those cards.

In case you’re not aware, you can get $1,000 face value Visa gift cards with your name printed on the front online at Simon. Frequent Miler has a good writeup here with the basics. As with the Staples, make sure you’ve got a path toward liquidation of these gift cards before going big.

3. Is your Brex cash card sitting idle? I’d understand if so, mine certainly was for quite a while. That’s changed though — I wanted to drop a reminder for those who might have ride-share like expenses, real or otherwise: Brex has been faithfully awarding 8x on ride-sharing services for me.

Brex has a new sign-up bonus of 80,000 miles (or $800 if you’d rather cash out) with $9,000 spend within a short 30 days. It has no credit check but does require a real business. Note that this link randomly seems to offer 7x on ride-sharing services. (Thanks to Rapid Travel Chai for the link)

4. M1 Finance has released their upcoming credit card’s rewards structure, and there are a few doozies for manufactured spend in there. You can see the full list here.

How I’ll be rolling this weekend.

Lots of targeted offers came in this weekend, I have no idea what makes the last weekend in July special but apparently it’s big. Check your accounts for all of the following:

1. Discover sent me an email offering $10 off of $50 at HomeDepot.com. Watch for an email with the subject: “Don’t miss out on $10 back”

2. Dean let me know that Discover is emailing another offer for $25 back for adding an Authorized User and making a single purchase (any size). The subject on this one is “This $25 cash back could be yours”

3. The Citi Shop Your Way Rewards Mastercard (a future MilesEarnAndBurn Unsung Hero card) has been sending out spend offers for 15x bonus ThankYou Points or 10% cash back on utilities purchases, up to $50 total cash back. I didn’t get this one, but my Shop Your Way Rewards boosts seem to come near middle of the month (thanks to Sam at Milenomics for pointing that there are different bonus schedules for this card.)

Apropos of nothing, Plastiq is a good way to pay utilities with a credit card, especially if you sign up for a new account with a fee-free promotional credit.

4. Co-branded Chase Business cards are seeing new targeted spend offers for 5x at Home Improvement stores or for Shipping charges, up to $10,000 in spend. This deal was seen on the Ink cards in early July, but the new round seems to be targeting all business co-branded cards, like the Southwest Business card or the United Business card. Check for eligibility at: https://chase.com/mybonus.

5. Bitmo had quite the run of targeted offers for gift cards this weekend and hopefully carrying into today. Check your activity feed for the offers, or check this tag at GC Galore to preview what we’ve been seeing. Bitmo is a great platform for gift card resellers because it uses PayPal for credit card processing, and there’s almost always a card that’s giving 5x or statement credits at PayPal (like the Discover IT card in Q3).

If you’re new to Bitmo and want to sign up for an account, use a referral because the referral bonus is usually bigger than the regular bonus (4,500 points). As always, try and find a friend to refer you, but if you can’t find one you can use my link, which I’m adding only because it’s almost certainly a bigger offer for you if you use it but please double check during signup that you’re getting at least 4,500 points: *

6. My PenFed PathFinder Rewards Visa has a targeted offer for 5x at Bed, Bath, and Beyond for the month of August. This one is actually exciting because there’s “no limit” to the number of points I can earn (hah, we’ll see) and last I checked BB&B sold Visa Gift Cards, though maybe that changed in the last year. Look for an email with the subject: “Earn 5x Points at Bed Bath & Beyond!”

Frankly, I wouldn’t be surprised to see one of these show up from American Express today.