Category: Points

  1. Staples has fee-free $200 Visa gift cards through Saturday, limit nine per transaction.

    These are Pathward gift cards.
  2. Meijer stores have a promotion for 10,000 MPerks points with the purchase of $100+ in Choice or One4All gift cards. Both of these have variants that convert to Home Depot and post-Pepper rates for Home Depot are currently north of 90%.

    This one is limited to one per MPerks account, but, uhhh, you know.
  3. Blit Rewards will have a tiered transfer bonus of between 50% and 200% to Accor ALL on Sunday June 1, which brings the effective value per Blit point above 4.5 cents for top tier members with the boosted 1:2 ratio and combined with the current value of the dollar which is trash compared to the euro. You’ve got the week to earn points to prepare. For a refresher on Accor’s reward program, check the mini-guide here.

    I’m 100.000001% sure (aka fluz sure) that my travel patterns are different than yours, but I love the Accor program for Europe and I’ll be transferring in quite a lot as part of this promotion. (Thanks to VFTW)
  4. The no-annual fee Mesa Visa home owners credit card has a sign-up bonus of 50,000 points after $5,000 spend in 90 days with promo code BONUS50. The new iteration of the card pays rewards on a mortgage of up to $100,000 per year whether or not you finance through Mesa’s lenders, unlike their prior version of the card. To be eligible for mortgage point earning though, you have to spend a sum of $1,000+ monthly on the card.

    Word on the street is that mortgage validation is an incomplete process, and so is reporting to credit agencies. I expect both of those things to tighten up in the future. They’ve added transfer partners for points earning too, with Finnair and Accor ALL being the most interesting.

Have a nice Monday friends!

View of the Mesa mortgage validation team’s workbench.

  1. The Rakuten shopping portal is offering $150-$300 or 15,000-30,000 Membership Rewards for credit card approvals with some Chase cards, and you’ll get it automatically with the Rakuten shopping extension installed in your browser:

    – Sapphire Preferred ($300)
    – Freedom Unlimited ($150)
    – Ink Unlimited ($300)

    This absolutely beats any two player mode referral bonus as is and also makes the Sapphire Preferred slightly more attractive than an Ink. If they drop back to their apparently regular bonuses of $50, then you can do better with a referral from P1 to P2 or buy selling a referral click on a marketplace.
  2. Register for Hilton’s Q2 promotion for 1,000 bonus points per stay between June 1 and August 15. Normally I’d take the time to click and register for a promotion at any hotel that I may end up at, but this one is almost not worth the clicks unless you’re staying at multiple Hilton properties over that timeframe.
  3. Qatar Avios has an incoming transfer bonus of 30% from Citi ThankYou points through May 31. In theory they have until the end of June to post the bonus points, but in practice they’re arriving instantly.

    You can transfer Qatar Avios to other Avios programs, so this is effectively a transfer bonus to all of those too.

Chase’s real-world testing for self-affiliate links.

  1. United has new personalized and targeted MilePlay offers for travel through June 18, registration required.

    My offer was 3,000 bonus miles after booking and flying a trip with a fare of at least $100. I looked at rebooking my one existing paid flight on United, but the fare difference was approximately $200; fortunately for me I’m not bad at math (or at least I’m conceited enough to think that I’m not bad at math).
  2. Citi ThankYou Points has a 30% transfer bonus to Virgin Atlantic through May 17.
  3. American Express Offers has an offer for $250 off of $1,800+ at Virgin Atlantic, which pairs well with family travel and the previous item.
  4. Office Depot/OfficeMax stores have $15 off of $300 in Visa gift cards through Saturday. For best results:

    – Buy in even multiples of $300 for a bigger percentage discount
    – Don’t forget American Express $20 monthly credits on Business Gold cards
    – Look for the Everywhere variety of cards which have different liquidation profiles
    – Try for multiple transactions back-to-back

    These are Pathward gift cards.
  5. Chase has a targeted offer for 5x (or 7x with IHG) in gas, grocery, or dining through June 30 on at least its Marriott, United, Ritz Carlton, and IHG cards for up to $1,000 spend.

Happy Monday friends!

Visualizing MEAB math.

  1. Southwest has a fare sale for paid and award travel between April 22 and August 27 with promo code TAKE30. There are some blackout dates, and the blackout dates seem more city specific than the terms and conditions suggest.

    Tickets booked before May 28 still get free checked bags and no change fees, and a small bright spot is that the variable Rapid Rewards redemption rates are more favorable on the flights eligible for the promo code too. For some bad analysis redemption values, compare the pre-sale cash price to the post-sale award price and marvel at how your math approaches TPG valuations.
  2. Chase’s Q2 2025 Pay Yourself Back categories for Sapphire cards are: gas, grocery (but not Walmart or Target, and probably not Han’s Deli either), pet supply and vets, charities, and annual membership fees. Charities pay a +25% bigger boost, and redemptions continue to be uncapped.

    They have co-brand card Pay Yourself Back on Marriott Bold, United, Southwest, and Aeroplan with relatively small limits, but the cashout typically only makes sense on Marriott Bold or Aeroplan.
  3. AirCanada Aeroplan has opened registration for a promotion for 3,000 bonus points on a one-way booking, or 6,000 bonus points on a round-trip booking made by April 13 for travel through December 15.

    News outlets have been parroting a 75% drop in bookings between the US and Canada since the trade war started which is likely extremely exaggerated due to flawed study methodology and sample bias. The real number may be closer to 10-20%, but either way it’s bad. I expect this promotion will be copied in spirit by US Airlines relatively soon.
  4. JetBlue and Icelandair have a new partnership, so I guess you can choose between poor redemption values from TrueBlue and poor (future) redemption values from Southwest Rapid Rewards.
  5. American Express Membership Rewards has a 20% transfer bonus to Etihad Guest and a 20% transfer bonus to AeroMexico ClubPremier. The former is a great backdoor way into short-haul AA travel.
  6. Chase Ultimate Rewards has an 80% transfer bonus to IHG through April 30, making it a 1,000:1,800 transfer ratio. In general you can do better by other booking games, but there are use cases where IHG points bookings have outsized value.

Deriving TPG point valuations.

  1. Chase made all the United cards dumber this week. The major changes:

    – Every card with an annual fee gets a bigger annual fee
    – The no-annual fee Gateway card doesn’t get XN inventory access unless you have $10,000 in annual spend
    – One time lounge access passes are no longer transferrable
    – You can now earn 1K status with nothing but spend on either of the ridiculously priced $695 personal and business Club cards
    – There are new credits on the annual fee cards, most of which are annoying, carved up throughout the year, and less valuable than they seem
    – Lounge access gets more restrictive without massive spend

    DD has a good rundown on the details of the changes if you care to read more.
  2. Southwest is releasing its winter schedule for travel between November 2 and January 5 today, which means today is statistically speaking the best time you have to game holiday travel, or just to play it straight to book holiday travel directly.

    Now’s a good time to book for other reasons too, like avoiding change fees on cheap tickets and paying bag fees, all of which will be implemented soon. Unfortunately double secret Rapid Rewards redemption values already quietly launched yesterday.
  3. On Tuesday, Bilt will have a transfer bonus of between 50% and 100% to British Airways, Aer Lingus, and Ibera Avios, depending your status level. Because Avios can be transferred freely amongst airlines, this is good for Qatar, Vueling, and FinnAir too.

    Why mention this early? So you can earn Bilt points before then.
  4. Accor ALL has new Q2 promotions for:

    – 2x-3x points on stays 3+ nights in many countries through June 8, valid for two stays
    – 4x points at new properties through September 7, valid for one stay

    You’ve got to book by April 27 and May 11 respectively, so these suck for last minute travel. (Thanks to FM)
  5. Breeze has 45% off of fares booked today for travel between April 9 and September 2 with promo code VACAY. There are a few blackout days around Easter, Independence Day, and National Peach Cobbler Day, but in general Summer travel is wide open.

    We haven’t played Breeze Dartboard Bingo™ for a while, but in honor of National Peach Cobbler today, we’ll take another round. [drumroll] Today’s draw is: Pensacola, FL to Norfolk, VA, PNS-ORF! If you hit Bingo, come see the MEAB front desk for your prize.
  6. AA’s shopping portal has a 500 mile bonus for the referrer and 1,000 mile bonus for the referred, as long as the latter makes a $75+ purchase by April 6 through the portal. The referral bonus is limited to 10 per account.

    With GiftCards.com’s current annoying portal rules, having multiple players with multiple shopping portals is one of the methods for scale (like banana).

Happy Thursday friends!

The other way of scaling.

  1. Do this now: Make any Hyatt award bookings today that fit your schedule before the award chart is retooled tomorrow and lots of hotels go up in redemption cost. Most award bookings have great cancelation policies, so even speculative bookings probably make sense.
  2. Turkish Airlines and Hilton have a promotion (registration required) for 1,000 bonus Turkish miles for stays through June 30, provided you set Turkish as your preferred travel partner in your Hilton profile. For new Hilton accounts, you earn 1,000 Turkish miles for each stay, but for existing Hilton accounts can you only earn the bonus once.
  3. The Chase IHG Premier Business card has an increased tiered sign-up bonus:

    – 140,000 points after $4,000 spend in three months
    – 60,000 points after $9,000 spend in six months

    The $99 annual fee is not waived for the first year.
  4. The Barclays Aviator Red Card has an increased sign-up bonus of 70,000 AAdvantage miles after making a single purchase and paying the $95 annual fee.

    The best ongoing use case for this card used to be converting it to an AAdvantage Silver after a year, but because Citi will be the exclusive card issuer in 2026, that ship has probably sailed for new applicants. Instead, the best use beyond the sign-up bonus is probably to get a higher (or initial) credit line at Citi after the takeover.
  5. The Chase Sapphire Preferred (100,000 Ultimate Rewards), United Explorer (80,000 MileagePlus miles), and United Business (150,000 MileagePlus miles) cards’ increased sign-up bonuses are live today.
  6. Staples has fee-free $200 Mastercards through Saturday, limit nine per transaction.

    These are Pathward gift cards.
  7. Since it’s launch in 2021, I’ve thought the Chase United Quest Card was stupid, but it just keeps getting stupider and I’m convinced the product development team for the card lives in an alternate plane of existence. The annual fee has increased to $350, and there are new stupid credits to, uh, justify (?) the stupid increase:

    – $5 monthly Instacart credit, plus $10 one time Instacart credit
    – $150 in credits at stupid Renowned Hotels and Resorts
    – $8 in monthly rideshare credits, except in December when it’s $12
    – $150 in stupid JSX purchases
    – Small TravelBank credits for your first two rentals with Avis or Budget, but only using the United AWD which has generally inflated prices

    This is probably a good change for exactly three cardholders on the planet, and bravo to you if you’re one of them.

An amusement park in the United Quest Card team’s alternate plane of existence.

  1. There’s a great sign-up bonus for $1,000 statement credit after $5,000 in spend on one of the lamer named credit cards on the market, the AmaZing Business Credit Card. It’s available for residents of Arizona, California, Utah, Idaho, Wyoming, Colorado, or Texas.

    The card is a no-annual fee business Visa that earns 3x at office supplies, telecom, and networking, 2x in categories better served by other cards, and 1x everywhere else. The application process for the card looks streamlined but is actually archaic; that can be a good thing though, amirite?
  2. American Express Membership Week has enrollable offers for:

    – $75 back on $250+ at Curio, Canopy, Tapestry, Motto, Tempo, and Graduate Hilton properties in North America through May 15
    – $70 back on $350+ at Hertz within the US through April 30
    – $50 back on $200+ at Lowes online or in-store through March 31
    – $50 back on $250+ at Dell through August 15

    These work with faux-cardpointers too, and if you’re not seeing them remember the 100 offer rule. Also, here’s your periodic reminder that often these work more easily on third party American Express cards at AmEx Connect.
  3. Kroger stores have a 4x fuel points promotion starting tomorrow and running through April 1 on third party gift cards excluding Amazon.

    The best options for a bulk resale are still Apple and Lululemon, because Pepper blew everything else up for funsies.
  4. Citi ThankYou Points has a 25% transfer bonus to Avianca Lifemiles through April 12. Best uses:

    – ANA First to and from Japan
    – Lufthansa First to and from Europe
    – Mixed cabin shenanigans
    – Taking advantage of loose definitions of regions
    – Travel between Asia and Oceana

    There’s decent economy short-haul value too, I guess. But that’s definitely not funsies.
  1. Do this now: Register for your 5x bonus on rotating category cards:

    – Chase Freedom and Freedom Flex: Amazon (and “select streaming services” I guess)
    – Discover IT: Grocery stores and wholesale clubs, but Walmart and Target don’t count
    – Citi Dividend: Who knows, because it’s giving an error right now #citigonnaciti
    – US Bank Cash+: I choose utilities and electronics, cause #meabgonnameab

    Given Pepper’s explosion all over the gift card market, you should be getting a much bigger discount than 5x on Amazon purchases, either by using Pepper if you dare, or by buying Amazon gift cards from Pepper users at 12%+ off. I guess if you’re masochist there’s Raise/GCX at 7.60% off too.
  2. The Citi Shop Your Way Rewards card has released new mid-month offers including (I believe) a new all time high spending bonus for online spend through April 14:

    – 325,000 Shop Your Way Rewards after $1,000+ online spend
    – 250,000 Shop Your Way Rewards after $750+ in online spend
    – $100 statement credit after $1,000+ in online spend
    – $75 statement credit after $750+ in online spend

    (Thanks to uppereastsider, irieriley, Matt, and David 99)
  3. Meijer MPerks has a digital coupon for $10 off of $150+ in Visa gift cards through Saturday. This coupon doesn’t specify a limit, which probably means you can re-clip the same coupon after checkout repeatedly.

    This is the kind of low profile deal that can be so valuable that it’s worth it to travel from out of state if you don’t live by a Meijer, provided you have a good liquidation channel for Visas.
  4. Office Depot / OfficeMax stores have $15 off of $300+ in Visa gift cards through Saturday, and this one is confirmed working unlike last week’s Mastercard version, which didn’t work even though stores had the flyer, then worked after stores took down the flyer, then maybe worked, but only if you were lucky. For best results, always:

    – Buy in even multiples of $300
    – The “Everywhere” cards sometimes have lower fees and definitely work differently for liquidation

    These are Pathward gift cards.
  5. Hilton has a targeted bonus for 3,000 bonus points after your next stay within four months of registration, but no later than the end of the year. (Thanks to Beneficial-Board6959)

From the people in charge of last week’s Office Depot / OfficeMax’s Mastercard promotion.