Category: MS Hints

A few follow up items:

1. The SoFi matched round-ups deal is back in March. A quick recap: You turn on round-ups in the mobile app, create a “vault”, then when you spend with the SoFi debit card the charge is rounded up to the nearest dollar and the difference is placed in your vault. SoFi will match those round-ups up to a total of $25 matched. Can you guess what I’m going to say next? Set up debbit to make 28 payments to XFinity of $0.10 in March. Of course, you can make payments with debbit to other stores and providers too if you don’t have XFinity.

Side note: It took me longer to type the above paragraph than to update my debbit config for $25. I wish I could always make $25 for 30 seconds of work; that’d be $3,000 per hour.

2. Reader Katie discovered that when you’re activating Ting burner SIMs, you won’t see port-out information on the account unless you set a password. Ting’s IT must be based on Citi’s IT; fortunately for them they probably don’t have $500 million to lose accidentally like Citi.

3. Another round of Amazon discounts is available for targeted Ultimate Rewards cards. Check for the offer here after ensuring that your Amazon account has at least one Ultimate Rewards earning credit card saved in your profile. As per usual, buy a non-Amazon gift card for resale and use a single point.

4. The promo code FLASH2020 is still going strong for buying fee free Vanilla Visa Gift Cards. These gift cards aren’t as widely discussed online as BlackHawk, MetaBank, or US Bank gift cards, so don’t treat them as behaving the same. Try some things with those Vanillas even if they don’t work with other gift cards!

The Citi wire transfer system user interface, soon to be adopted by Ting Mobile.

There are some really strange bank offers floating around out there, and at least two of them are probably worth your time (I’ll let you guess which ones):

1. Update: Katie points out that S&T requires that you have an address in OH, PA, or an Armed Forces address to open the initial account if you don’t already have a relationship with S&T. S&T Bank is offering a $300 rebate on $500 spend, as long as you have $50 in your account for six months. The play: Open a Simple Checking Solution no-fee account, fund the account with $550, then make a single $500 purchase (like a $500 money order including fees with an actual bank account debit card), disable bill-pay to avoid any fees, and set a reminder in your phone to cancel the account in 6 months and one day.

Hint: The last step should be treated as optional and possibly even discouraged. I like having lots of bank accounts open, especially at banks I’ve never heard of and that I wouldn’t lose sleep over if I were shutdown. You might be surprised at all the different ways you can make “deposits” appear via MS into random bank accounts like this one.

2. Check here to see if you’re eligible for 10,000 Membership Rewards points for enrolling in Pay-Over-Time. (Afterword, unenroll to potentially get this in the future, but I’d suggest you wait until your next annual fee posts before you turn Pay-Over-Time off as a safety measure. That may also be overly cautious though.)

3. Did you know that Chase has a dining portal at dining.chase.com for Freedom, Sapphire, and Ink card members? Apparently Chase thinks the first thing we’ll think of when we’re hungry is: “Gee, I wonder how my bank’s website can help me get food!” The cities are limited and the restaurant selection is also limited, but you’ll earn 10x ultimate rewards you order through Chase dining, up to $500 total spend through June 30, 2021.

A picture of a kitten with big, droopy eyes and a sagging mouth that makes it look sad.
“Chase CEO Jamie Dimon is sad that you didn’t think of his bank when you were ordering takeout yesterday” as a cat.

Ok, BHN gift cards are having problems at Walmart, many of you have been shutdown by AmEx BlueBird or have maxed it out, RedBird doesn’t exist, and Serve is, well, weird. There’s another option that loads at Walmart registers too that you may not know about. It’s not a secret, but it’s also rarely mentioned for some reason.

My advice: You should get a GoBank prepaid card and add it to your tool bucket — that’s where you keep your cards right? No? Now I’m the weird one?

Painting of my little pony eating purple candies off of a prepaid card cupcake.
GoBank is another sweet treat that you didn’t know you could get.

It feels like everyone is talking about deals on Simon Mall $1,000 gift cards right now (40% off of prepaid Visa fees with promo FS21FEB40). Yeah, they’re good at stores that aren’t Walmart, they’re high denomination, and you can buy a bunch at once easily. There’s a big problem with them though: They don’t earn points when purchased with American Express cards because AmEx blocked earning on Simon purchases.

If you’re trying to put spend on an AmEx and get something out of it, use Vanilla Gift Cards with the promo code FLASH2020, which amazingly is still working. You’ll earn spend when you go this route, and the fees are almost non-existent. They still work at most grocery chains too, just like BlackHawk gift cards.

Bonus hint: Simon business volume accounts are better than personal ones, but that has nothing to do with AmEx.

A man passed out on a tan couch wearing a Mario costume.
A guy dressed up like Mario dreaming of earning Membership Rewards through manufactured spend.

There are at least three really good credit card offers to fly you into the weekend:

1. The American Express Personal Gold Card

Why to consider it: The offer kicking around right now is the no lifetime language version, which means you should be eligible for the 75k MR sign-up bonus after spending $5,000 in three months regardless of whether or not you’ve already had a bonus from a Personal Gold. The 75k bonus is historically high too.

Why to skip it: You no longer get the $100 airline credit as of last week. It could throw you over 5/24, You’ve already been approved for another American Express charge card in the last 90 days. The offer didn’t appear for you (like me). You don’t have a way to gin up $5,000 in spend.

How: Check for pre-approved offers at this link.

2. US Bank Business Cash Rewards Card

Why to consider it: It’s offering $500 for $3,000 in spend in 90 days, which is a historically low spend requirement. It won’t affect Chase’s 5/24 rule because it’s a business card that won’t show as a new account on your credit report. It has no annual fee and great categories for earning unlimited 3% on spend (gas, office supply, telecom). It gives a 25% bonus on earned rewards every year, up to $250.

Why to skip it: US Bank sometimes doesn’t like approving credit cards if you don’t have a banking relationship with them (YMMV). You don’t have any sort of actual or made up business, such as selling goods on ebay twice a year.

How: Apply directly here.

3. Rakuten Visa Credit Card

Why to consider it: It earns +3 Membership Rewards points on your MR earning Rakuten account when you purchase items through the Rakuten shopping portal. It’s the original MilesEarnAndBurn Unsung Hero. It has no annual fee. You get $10 after your first purchase. Synchrony doesn’t have many interesting cards, so you can hit this one hard and if you get shut down, 🤷‍♀️. There are opportunities to manufacture spend online through the Rakuten portal.

Why to skip it: You haven’t converted your Rakuten account to a Membership Rewards earning account yet. You don’t ever shop online. Synchrony is known for giving small credit lines. It could mess up your 5/24 plans.

How: Apply directly here, after you’ve converted your account to a Membership Rewards earning account.

Is My Advice Good Advice?

Of course! I’m some rando on the internet that you’ve never met, so what could possibly go wrong? Let’s fly into the weekend together.

Monday morning after flying into the weekend together.

Valentine’s Day shopping portal bonuses have arrived just in time for, err, Valentine’s Day. The bonuses are actually at high multiples for this time of the year, but they’re also low total payout so overall bang for the buck doesn’t quite reach the “11” setting.

  • Southwest, 1,000 miles for spending $300, or 500 miles for spending $100
  • AA, 500 miles for spending $150
  • United, 500 miles for spending $150
  • Alaska, 500 miles for spending $150

I would definitely hit the Southwest version of this first, or if you’re only going to do one, make it that one — you can buy a single Visa or Mastercard gift card at Giftcards.com for $100 and get effectively 5.5x plus the credit card spend, and the virtual Mastercard variety works really well in lots of “from home” techniques.

A dial with the label "VOLUME I" and settings between 0 and 11. The dial is pointed at 11.
Pictured: Better deals than this one.

Look, I’m not here to push credit cards on you. When I’m recommending a card though, know two things: 1) I’m not getting a kickback, so that leaves me fiscally unbiased, and 2) if I’m bringing it up, it’s probably a good deal.

If you happen to have one of the excellent no-annual fee Bank of America Cash Rewards cards, either the personal or business, you might be surprised about what codes as 3% when you choose “Online Services” or “Business Services” as your bonus category. (Or kick that 3% up to 5.25% with preferred rewards for holding a balance at BoA in bank, brokerage, or retirement accounts.) For now, let’s say that several popular online or in-app money transfer or bill payment services will count. Get out there and try a few things!

Bet you thought I was going to write about the Rose Gold AmEx, right?

Hot savings

Hot on the heels of yesterday’s burnt toast comes the following:

If there’s a chance you want the AmEx Personal Gold card in 2021, apply for it now because the airline benefit goes away for new cards tomorrow (but remember AmEx’s one charge card every 90 days rule). Assuming you do sign up for it, in 2021 you’ll get:

  • Sign-up bonus (60k Membership Rewards or more)
  • Referral bonus (15k-30k, make sure to refer from a P2 or friend account)
  • $110 in Uber Eats credits for 2021 and beyond
  • $100 in Airline Fee credits for 2021 only (goes away tomorrow)
  • $110 in GrubHub/Shake Shack dining for 2021 and beyond
  • 4x at grocery stores, up to $25,000 spend per year

I have two of these cards and I also have a charge card approved in the last 90 days (the Unicorn Platinum), so I’m skipping this one even though I would definitely get more. (For me, the $25,000 4x at grocery store is easy to knock out with BBY or Visa Gift Cards, so even that is worth the annual fee, the rest is gravy.) The annual fee of this card is $250, so it’s easy to recoup that fee and then some. If you can go for it, now is the time!

Two pieces of burnt toast.
Follow up one burnt piece of toast with another, as the saying goes. That’s a saying, right?