Category: Quick Hits

Three month long spending bonuses on co-branded credit cards seems to have become a regular event at Chase. The current iteration started on Saturday and runs through August 15. Going to chase.com/mybonus used to be the easiest way to get registered; however in the current iteration that link won’t always show your bonus. Instead, you’ve got a much better chance of getting an offer by going to one of the following links, painstakingly compiled by JC, with a few minor edits and updates:

  • Amazon Prime Rewards Visa: 5% back on travel and gas purchases, up to $1,500 combined
  • Amazon Prime Visa: 5% back on travel and gas purchases, up to $1,500 combined
  • British Airways, Iberia, Air Lingus: 9x on Air Lingus, British Airways, Iberia, and Level purchases, and 5x on all other travel up to $1,500 combined
  • Disney Visa: 6% back on Disney purchases, 5% back on travel and gas purchases up to $1,500 combined
  • Disney Premier Visa: 5% back on Disney purchases, 5% back on travel and gas purchases up to $1,500 combined
  • Hyatt Visa: 8x on Hyatt purchases, 5x on travel and gas purchases up to $1,500 combined
  • IHG Classic Visa: 6x on IHG purchases, 5x on travel and gas purchases up to $1,500 combined
  • IHG Premier Visa: 14x on IHG purchases, 5x on travel and gas purchases up to $1,500 combined
  • Marriott Bonvoy Visa: 7x on Marriott purchases, 5x on travel and gas purchases up to $1,500 combined
  • Marriott Bonvoy Bold Visa: 7x points on Marriott purchases, 5x on travel and gas purchases up to $1,500 combined
  • Marriott Bonvoy Boundless Visa: 10x points on Marriott purchases, 5x on travel and gas purchases up to $1,500 combined
  • Marriott Bonvoy Premier Visa: 9x points on Marriott purchases, 5x on travel and gas purchases up to $1,500 combined
  • Ritz Carlton Visa: 10x points on Marriott purchases, 5x on travel and gas purchases up to $1,500 combined
  • United Club Visa link 1 or link 2: 8x or 6x points on United purchases, 5x on travel and gas purchases up to $1,500 combined
  • Southwest Rapid Rewards (RR), RR Plus, RR Premier, RR Employee, RR priority Visa link 1, link 2, or link 3: 6x or 5x points on Southwest purchases, 5x on travel and gas purchases up to $1,500 combined
  • United Explorer Visa: 6x on United purchases, 5x on travel and gas purchases up to $1,500 combined
  • United Gateway Visa: 6x on United purchases, 5x on travel and gas purchases up to $1,500 combined
  • United MileagePlus Explorer Visa link 1 or link 2: 6x or 5x points on United purchases, 5x on travel and gas purchases up to $1,500 combined
  • United MileagePlus Select Visa: 7x points on United purchases, 5x on travel and gas purchases up to $1,500 combined
  • United Presidential Plus Visa: 6x points on United purchases, 5x on travel and gas purchases up to $1,500 combined

For the “travel and gas” category, personally I’d pick up $500 Vanilla Visa Gift Cards at 7-11, $500 SecureSpend Visas at Speedway, or $500 BestBuy gift cards at Speedway. For the United cards in particular, consider funding the United Travel Bank. Of course, there are other options — a hint for experts that I’d use with extreme caution only: refunds usually only refund at 1x.

Finally, why are there so many damn versions of Marriott cards between Chase and AmEx? I actually don’t really care to know, so don’t tell me.

A picture showing a fire bellowing out of the top of a tower on a Marriott hotel
Oh my god, we’re having a fire …. sale.

I had another Weekend Wisdom planned for today, but Meijer majorly blew it out of the water, clearly because they weren’t happy to be left out of yesterday’s Grocery Store Manufactured Spend Deals post, or something. So we’ll save the Weekend Wisdom for another weekend. In the mean time, this deal is crazy:

This includes BestBuy gift cards, which are currently selling at 96-96.5%. That means you can manufacture spend at 6% profit, plus grocery store rewards and credit card rewards. There are other options at slightly lower profit too. This is bananas, and if you’re near a Meijer you should hop on it. I’m unfortunately not near one myself, but I am almost ready to book a cheap round trip to Meijer country for a weekend getaway.

The only rental cars currently available in Meijer land, cause #carpocalypse

There are a few grocery store deals going on this week (remember, grocery store weeks usually go from Wednesday to Tuesday because reasons). Just make sure you clip the coupon and save it to your accounts. Yes, accounts is plural, right? Right? The deals:

A stuffed bear with a balloon animal behind it. In the bear's lap is a bottle of Jameson Whiskey.
At least if Safeway is your primary grocery store you’ve still got options.

1. Check here for Chase spending bonuses between May 15 and August 15 on co-branded credit cards, like Hyatt, United, IHG, AARP, or Marriott if you’re a masochist. My Hyatt card offer was for 8x on Hyatt Properties and 5x for spend on travel or at gas stations, up to $1,500 per month. My United card got nicely worded “go eat dirt” letter.

2. Simon has 50% off of Visa Gift Card purchase fees using promo code FS50MAY between now and Friday. Just don’t use an American Express card when buying because you won’t earn points or rewards. Personally I’m still (im)patiently waiting for a new promo code at VanillaGift.com.

3. You can kill two birds with one stone with your Saks American Express Platinum credit; check out with PayPal after shopping through Rakuten and you’ll get 15x, your $30 Personal Platinum monthly PayPal credit, and you’ll still be reimbursed for your Saks purchase too.

4. The Point 1% cash back debit card is offering 10x points on Amazon purchases, or just 10% cash back on up to $500 in spend. This seems to be a recurring theme with Point, a few weeks ago the app was offering 15x on Target purchases on up to $500 in spend. With the Target deal I was able to buy gift cards and still got the 15x despite it being excluded in the offer’s terms and conditions. With the Amazon deal, I’m going to do the same thing and I’m 99% sure it’ll pay out. There’s also a BestBuy offer for 5x for what it’s worth.

If you already have the card, this deal is a no-brainer for a few clicks. If you don’t have it, should you get the card? I’m still not sure honestly: It has an annual fee of $49 so it’s not an obvious winner like Cash.app used to be, but if these deals keep coming it’s well worth the entry fee. If you sign up through anyone’s referral link you’ll get 10,000 points or $100 back after spending $1,000 on the card instead of the stupid $5 you get back for signing up directly with Point. So if you go for it, find a friend or another MS buddy and get a referral from them and you’ll both earn $100. Please just go that route, but if you can’t find anyone else with a referral link mine is here (*), as small as I can make it.

Swinging for Chase bonuses.

1. You can generate a $750 bonus for a Chase Business Checking account at this link. You’ve got to deposit $10,000 and hold it there for 60 days, then make 25 qualifying transactions. If that sounds daunting, believe me, it’s really not. Just set up Debbit to do 25 $0.50 Amazon gift card reloads, or Xfinity bill payments, or something else with your new business debit card. (Also, don’t forget to deposit an extra $13 to cover those $0.50 reloads and maintain that $10,000 balance.)

Even if you’re not ready to do this one just yet, enter your email address on the Chase form, click “Open account in branch” and you’ll get a code for using the offer in the future. It should be valid through at least July 23 so you’ve got plenty of time to get ready.

2. Rakuten is offering 15% cash back or 15 Membership Rewards per dollar spent on a dozen or so stores this week. You should be interested in at least two of them for liquidating your American Express Platinum and Business Platinum Credits: Saks and Dell (Business Platinum). Just make sure you’ve activated your Saks and Dell credits before buying.

  • Visible Mobile is again offering $20 back or 2,000 Membership Rewards at Rakuten along with a $100 Mastercard after two months of BYOD service, which will cost you a total of $65 for the service. Chase has an offer floating around for $25 off of Visible Mobile service too, so bring that down to $40 for cell service, a $100 Mastercard, and some cash or points from Rakuten. This deal scales, I had a reader write in that they’ve done over 100 of these. For more, read Cell Phone Burners and Travel Hacking.
  • Yesterday’s 125,000 Delta Reserve card is now available with a referral link from another American Express card holder, like a friend or P2. This card is essentially buying about $1,400 of Delta travel for the $550 annual fee, or about 61% off. So, refer your P2 and you might be able to get 125,000 miles on the card and another 15,000 to 30,000 miles on the referrer’s end.
  • Doug R pointed out that there’s a 2x multiplier bonus that seems widely available for AA SimplyMiles, which you should see after logging in to your account. For the 2x to apply, you have to add the offers to your account between now and tomorrow night. I’d add them all on the off chance you’ll use one (BestBuy shows up as a decent option), then make sure that your credit cards are linked to the SimplyMiles platform. If you happen to trigger an offer by May 31, you’ll get double miles. Note that the offer says you have to use a co-branded card, but my guess is that any Mastercard will work.

    If you haven’t yet signed up for SimplyMiles, sign up here for 400 bonus AA miles.

  • The Bank of America Premium Rewards card is offering 2 points per dollar on grocery spend, uncapped. Meh, I say, except if you have Platinum Honors status with Bank of America. If so, you get a 75% extra in rewards, which makes this card a 3.5 points per dollar card, uncapped, on grocery spend. I still prefer the AmEx Personal Gold for grocery spend at 4x MR, but that’s capped at $25,000 in spend per year which can be knocked out in a couple of days. Uncapped is quite the flex on Bank of America’s part.
Friday flexing for miles

I’ve already mentioned Debbit a time or two, but there’s a neat hack that it helps enable: Some credit card issuers will give you a monthly small balance waiver for balances under a buck or two, and often those issuers correspond with credit cards that you keep in your sock drawer anyway (Barclays, Discover, USAA, and US Bank are examples).

For those sock drawer cards, I suggest set up a recurring small charge in Debbit once a month as an Amazon balance reload, Xfinity bill payment, AT&T bill payment, or similar and you’ll earn a free $10-$20 / year for each card. You’ll also prevent them from being closed for non-use, which does happen.

Will you get rich like this? No, but at the end of the year you can buy a $10 Chipotle card with your Amazon balance. Is it worth your time? Maybe not just by itself, but multiplied by a few cards and convolved with having debbit set up for bonuses, it will pay off in due time. Also, at the end of the year through some advanced tom-foolery known as “paying with a gift card”, you can turn it into a burrito* to reap your rewards.

Woman eating a burrito.
Reaping the small balance waiver rewards

*For more on the origin of travel hacking and the burrito, I highly recommend visiting Milenomics and listening to their excellent, high quality podcast. I’m not a paid shill, just a big fan.

1. Avianca LifeMiles has a 15% transfer bonus when transferring from American Express Membership Rewards between now and May 31, 2021. The LifeMiles award chart has some sweet spots, and it’s a currency that you can game; in fact this was perhaps the most gameable airline mileage program after US Airways ceased to exist, though some of the best loop-holes have since closed. The current award chart has relatively decent prices to Europe at 63,000 miles for Business class or 87,000 miles in International First class, with lots of availability through Star Alliance partners. AwardWallet has a nice tabular LifeMiles Partner Award Chart, and Region Definition.

2. Make sure that you’ve added a Membership Rewards earning credit card to your Amazon account, then check here for a widely targeted offer of between 20 and 40% off at Amazon when using at least one membership rewards point. I would buy a BestBuy gift card, use exactly one point at checkout, and resell instantly for 96% (or higher with a consignment sale). Correction, I wouldn’t do that, I did do that.

A picture of a king chess piece laying down on a chess board, with lots of opposing chess pieces tying it down with string.
Avianca LifeMiles trying to hold down loop-holes.