Category: Quick Hits

EDITOR’S NOTE: The feedback I’ve gotten for guest post Saturday has been resoundingly positive. I’ve got a few posts left to publish, but I’m running low. If you’re interested in a guest post, please reach out!

  1. Office Depot / OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday, and this one has a limit of 10. As usual:

    – Link your credit cards to Dosh
    – Try for multiple transactions, back-to-back
    – Try for scale in a single transaction, it usually works out
    – Don’t forget about your monthly American Express Business Gold credits

    These are Pathward gift cards which often have a $480 per five minute transaction limit for liquidation at popular in-person liquidation spots.
  2. Citi ThankYou Points has a 30% transfer bonus to Virgin Atlantic through March 16. These miles are generally best used on Delta or ANA metal.
  3. The new American Express Delta card Resy credits turn out to be relatively easy to game in most big cities: buying anything at a restaurant listed on Resy whether or not your make a reservation, including gift cards, will trigger the monthly credit according to dozens of data points.

    More good news too: Some hotels eligible for Delta Stays credits now offer sanitized rooms!

Happy Monday!

It’s technically even possible to find a hotel that’s completely covered by the Delta Stay credit and includes a sanitized room.

EDITOR’S NOTE: The feedback I’ve gotten for guest post Saturday has been resoundingly positive. I’ve got a few posts left to publish, but I’m running low. If you’re interested in a guest post, please reach out!

  1. Chase is sending targeted offers on its personal Southwest cards for 3x points at gas, grocery, and dining through the end of 2024, and bonus points count for companion pass but not toward other status levels.

    What does Southwest have to do with gas, grocery, and dining you ask? Well, they’re probably the worlds biggest supplier of pretzel snack-mix bags, and the snack-mix bag cabal knows how to pull strings, trust me. (Thanks to Lava121)
  2. We’re not yet at the point that the Citi Shop Your Way Rewards card moves from Unsung Hero to just Hero, but we’re approaching it. In addition to holding a card with greater notoriety, holders also saw a new round of targeted offers for online spend through March 14:

    – 200,000 Shop Your Way Rewards points after $750 or more in spend (MS Ninja)
    – 250,000 Shop Your Way Rewards points after $1,000 or more in spend (Jacob)
    – $50 statement credit after $750 or more in spend (David 99)

    Yes, these offers stack with the 2024 monthly statement credits for grocery, gas, and dining provided of course that you spend in those categories online. What does Citi have to do with gas, grocery, and dining you ask? They’re a credit card issuer and they want to attract spend on their cards, duh.
  3. The Marriott Bonvoy Business card has a best offer sign-up bonus of five free night certificates for up to 50,000 points per night each after $8,000 spend in three months. [insert joke here about overpriced Marriott hotels in Lubbock]

    I’m not linking to anything on this one because I hope that you can find someone to give you a referral, so they’ll earn points on your successful application too. Using a referral is a great networking icebreaker in the miles and points community for those of you looking to expand your network. (Thanks to DoC)
  4. Having a stable of burner phones and phone numbers is eminently useful, and DDG highlights a great, low cost option for adding a new device to your portfolio: A Moto G Stylus 5G plus a month of service for $40. Make sure you activate the phone, and I’d suggest only leaving it active for the first month then moving to a cheaper service. It’ll unlock automatically in 180 days.

Have a nice weekend!

The leader of the the pretzel snack-bag mix cabal.

EDITOR’S NOTE: All of the feedback I’ve gotten for guest post Saturday has been resoundingly positive. I’ve got a few posts left to publish, but I’m running low. If you’re interested in a guest post, please reach out!

What’s a weekend kerfuffle you ask? You don’t want to know, but it involves this:

  1. Do this now: Register for your targeted United Mile Play bonus. I got “Book and take a trip one time by March 15 to earn 3,000 bonus miles, minimum $100,” which frankly isn’t bad. But the bad news? The trip must be on United or United Express (shudder) metal.
  2. The Chase IHG One Premier personal credit card has a new 165,000 point sign-up bonus after $3,000 spend in three months. The card’s $99 annual fee is not waived for the first month.

    There’s still value in the IHG program, especially for stays in the middle of nowhere and for Intercontinental brand hotels in conjunction with 4th night free. RIP PointBreaks though, amirite?
  3. Chase went nuts with gameable card linked offers:

    – Southwest: 10% back on $50+, up to $400 spend through March 5
    – Marriott Fairfield: 10% back on $100+, up to $380 spend through March 19
    – Sheraton: 10% back on $100+, up to $570 spend through March 19
    – Le Meridian: 10% back on $100+, up to $570 spend through March 19
    – Westin: 10% back on $100+, up to $680 spend through March 19
    – Four Points: 10% back on $100+, up to $570 spend through March 19
    – AC Hotels: 10% back on $100+, up to $570 spend through March 19
    – Springhill Suites: 10% back on $100+, up to $430 spend through March 19

    The simplest way to game the hotel offers is to buy a gift card at the front desk. But, there are always other ways. With Chase offers, breaking correlation isn’t necessary.
  4. Delta always has targeted no-lifetime language (NLL) cards available at deltaamexcard.com, but they’ve refreshed which accounts are targeted The offers:

    – Personal Gold: 70,000 miles after $3,000 spend in six months
    – Personal Platinum: 90,000 miles after $4,000 spend in six months
    – Personal Reserve: 100,000 miles after $6,000 spend in six months

    – Business Gold: 80,000 miles after $6,000 spend in six months
    – Business Platinum: 100,000 miles after $8,000 spend in six months
    – Business Reserve: 110,000 miles after $12,000 spend in six months

    These offers expire on March 17.
  5. The Chase United Business MileagePlus 100,000 miles after $5,000 spend in three months offer and the United Club Business 75,000 mile + 1,000 PQP offer after $5,000 spend in three months offer are both now available through referrals. If you’re going to get the card, use P2’s link or use a friend’s link and make their day.

Have a nice weekend friends!

I told you that you didn’t want to know.

  1. Do this now: Register for Hyatt’s promotion for 1,000 bonus Etihad Guest miles with every stay starting Thursday and running through March 31. This doesn’t affect other Hyatt partner earning.

    Personally I’m always able to find a use for Etihad miles, but I’ll grant that I can also be extra, so ymmv.
  2. Do this now: Register for Marriott’s Q1 promotion for 1,000 bonus points and double elite nights for every paid night between February 13 and April 29.
  3. PSA for Delta Platinum and Diamond elites: You’ve only got until tomorrow night to select your 2023 Elite Choice benefits before they vanish forever, much like the lasting value in the Delta Co-Branded credit card partnership.
  4. Alaska has 30% off of economy fares booked by tomorrow night for travel between February 8 and March 13 with promo code THANKYOU30, but only on certain days depending on the origin and destination. This sale seems to be one of the ways Alaska is saying “thanks for putting up with doors flying off of our aircraft”; we’ll do a lot for 30% right?

    They’re also awarding 2x elite qualifying miles (EQMs) for Alaska ticketed flights on Alaska metal through February, and targeting some with 3x too.
  5. There are a few new card linked offers for airfare:

    – Chase Offers: 5%, 10%, or 15% back on up to $450 in airfare with Alaska through February 15
    – BankAmeriDeals: 10% back on up to $450 in airfare with Alaska through February 15
    – American Express Offers: $50 off of $200 or more in airfare with Delta through April 30

    Both of these can be turned into travel credits by booking non-basic economy fares and canceling directly with the airline after 24 hours, or you can play even bigger games if you prefer.
  6. One of the bookmarks in the unpublished Hitchhikers Guide to Churning includes chase.com/mybonus, which is useful for checking for quarterly spending offers on all of your Chase cards. A new type of general purpose link surfaced over the weekend too:

    chase.com/chasegreatrewards/catchall.html

    This link shows upgrade offers for converting a Chase card to a more premium Chase card in the same family, similar to how an ordinary beer might be upgraded to a Pan Galactic Bonvoy Blaster, but with effects on your financial health rather than on your sobriety. (Thanks to reddit_user_2016)

Happy Tuesday friends!

A degenerate redditor reads the scoffs at the unpublished Hitchikers Guide to Churning manuscript.

  1. The Chase United Business MileagePlus card has a heightened sign-up bonus of 100,000 MileagePlus miles after $5,000 spend in three months. The $99 annual-fee isn’t waived, and neither is the surly service that you’ll get onboard either.

    This probably isn’t the best option to hold on to after year one, but I do like holding at least one United card at a for expanded award availability (XN acccess).
  2. The Chase United Club Business card also has a heightened sign-up bonus of 75,000 MileagePlus Miles and 1,000 Premier Qualifying Points after $5,000 spend in three months. The $450 annual-fee isn’t waived, and the card also gets you access to unlimited crackers, cheese cubes, and Coors Light when visiting a United Club.

    I’d hold this card if I were regularly flying United out of an airport with a United Club for XN access and club access, but fortunately for all of us I’m not currently doing that; if I was you’d have suffer through me whining about United a lot more than you already do.
  3. Kroger.com has $10 off of $150 or more in physical Visa and Mastercard gift cards through January 31 with promo code NEWYEAR2024. A few notes:

    – The activation fee recently increased to $6.95 on the $100 cards
    – You’ll be earning 2x fuel points
    – You won’t earn a grocery category bonus
    – These are US Bank cards

    You’ll pay shipping too, but the cheapest option is ~ $0.50.
  4. Staples has fee free $200 Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards, so have a liquidation plan in place, in-store limits are $480 every six minutes, unless you get lucky and your store cycles through merchant accounts.
  5. The Chase Marriott Boundless Visa card has a heightened sign-up bonus for five free night certificates for up to 50,000 points per night after $5,000 in spend in three months, and the $99 annual fee is not waived for the first year. The certificates expire one year after issue.

    Given Bonvoy’s hyper-inflated currency, 50,000 points may not get you a night at your favorite hotel, so double check that you won’t need to burn these in Lubbock because everything else is priced out of your range. No really, the Courtyard Lubbock is 39,000 points.
  6. Giant Food and Martin’s stores are running a 10x points promotion on Apple gift cards through February 1, limit $2,000 in spend per account. (Thanks to GCG)
  7. Some American Express accounts have a targeted upgrade from a Business Gold to a Business Platinum with 120,000 Membership Rewards after $10,000 spend in three months. To see if you’re targeted, look for a popup on the dashboard. (Thanks to joremero)

With hip styling like this, who wouldn’t want to burn 39,000 Bonvoy points at the Courtyard Lubbock?

  1. Delta introduced a new status challenge that gives you 90 days of status and lets you keep it through January 2026 completely with credit card spend. You can match up to Platinum, and that’s the only level on here that’s worth while in my opinion, specifically for Platinum Choice Benefits and Comfort+ seats at booking.

    Assuming you challenge to Platinum, you’ll need to earn $3,750 MQD to retain it through January 2026. Since we’re us around here, that probably means $37,500 of manufactured spend in the next 90 days on a Delta Reserve card. Yes, if you know what you’re doing that can be knocked out in a single day.
  2. H-E-B stores have $10 H-E-B gift cards free with the purchase of $50 or more in Vanilla Visa gift cards with a digital coupon, limit one per account.

    Liquidation of these cards is currently rather constrained for in-person channels, often you’re limited to three at a time per store, per random time unit. (Thanks to GCG)
  3. Barclays has a 30% transfer bonus for JAL Mileage Bank, the San Francisco 49ers of mileage programs given its ability to scoop up business and first class awards and upset the competition. The bonus runs through February 15, and won’t post until after the promotion completes.

    The transfer ratio is normally 11,500 Arrival points to 5,000 JAL miles, which works out to be a 23:10 ratio (a number obviously chosen because Barclays hates its customers). With a 30% bonus, that becomes a much more standard 23:13 ratio.

Ratios visualized.

It’s short and sweet today:

  1. Office Depot / OfficeMax stores have $15 off of $300 or more in Visa gift cards this week through Saturday. As usual:

    – Link your cards to Dosh
    – Look for the lower fee variety of Everywhere cards provided you can liquidate them
    – Try for multiple transactions back-to-back
    – Don’t forget about any AmEx Business Gold monthly credits
    – This deal scales differently than it probably should

    These are Pathward gift cards, so have a liquidation plan in place that doesn’t involve melting the plastic into liquid, that doesn’t work. (Thanks to GCG)
  2. American Express Offers has a card linked offer for $200 off of $700 or more in airfare with Delta through March 31. Delta provides ample opportunity to game this one. One of the above board methods includes booking a non-basic economy ticket, waiting 24 hours, and then refunding it to a travel credit for use on future airfare.

    There’s a spectrum of other methods too. As usual, gamers gonna game. (Thanks to SideShowBob233)

Have a nice Monday!

Failed liquidation plan, illustrated.

EDITOR’S NOTE: Surely you noticed that yesterday autocorrect got surly and took it out on me. It’s corrected though, and rest assured that I’ve given myself the requisite face-palms. Oh, and don’t call me Shirley.

  1. Do this now: Check for targeted Chase offers for 5x-7x on up to $1,500 spend at groceries, gas, and restaurants on co-branded cards. If you get an error, open an incognito window and try again.

    These can usually be knocked out on a single trip to the right gas station or grocery store.
  2. The Alaska MileagePlan Business card has a new, 75,000 mile sign-up bonus after $4,000 in spend in 90 days. Don’t forget that there’s much more than meets the eye with Bank of America credit card applications and limits aren’t always limits. (Thanks to DoC)
  3. American Express Offers has new travel related card-linked offers for:

    – $225 statement credit on $1,250 or more in airfare purchased directly with Air New Zealand through March 16 for flights originating in the US
    – $150 statement credit on $750 or more at Omni Hotels through May 15

    Yes, one can game these offers, but also yes, both are nice products for non-gamers.
  4. The Motley Fool has a storied past with churners, and I typically avoid writing about their promotions as a result. However there’s a confluence of deals and multiple positive reports show that they work together on this round, so here we are. The promotions:

    – American Express Offers has $50 back on $99 or more at Motley Fool through May 5
    – AA’s eShopping Portal has 6,200 miles for a new subscription

    The Motley Fool Stock advisor happens to cost $99, so with the two offers together you’re buying 6,200 AA miles and Loyalty Points at 0.79 cents per point, which is a great deal if you’ll use them. Just set a reminder to end your subscription at least 61 days after subscribing. (Thanks to Paul and Ryan)

Happy Wednesday!

Taking ‘knocked out in a single trip to the right gas station’ literally.