Category: Uncategorized

  1. Do this now: Try and register for Hyatt’s targeted promotion for 5,000 bonus points for each 5 nights stayed in the next 90 days, up to 45,000 total bonus points.
  2. Do this now: Register for Marriott’s fall promotions:

    – 2,000 bonus points per 2+ night paid stay (+2,000 if it’s an MGM property)
    – 2,000 bonus points per 2+ night paid stay for Marriott credit card holders

    These stack, but honestly 4,000 bonus Marriott points is probably worth $20 at best so don’t go nuts.
  3. Office Depot / OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday. For best results:

    – Buy in even multiples of $300
    – Link your cards to Dosh
    – Remember that the variable loads work too

    Just don’t be like me last week and try and load $500 on a $200 card. The register will take it, but I promise nothing good happens.
  4. The Citi Shop Your Way Rewards Mastercard, the most sung of Unsung Heroes, has released new beginning of month offers, each is slightly complex because #extra. Each is good monthly for September, October, and November, and each will stack with other offers as applicable. We’ve seen:

    – $60 statement credit for a purchase $450+, good twice per month
    – $60 statement credit after six $75+ purchases
    – $50 statement credit for a purchase $375+, good twice per month

    I’ll be knocking this out with two $1,000 purchases at a grocery store to combine with outher outstanding credits. (Thanks to Brooke and birt)
  5. Rakuten has 15% back or 15x Membership Rewards on purchases at Dell, likely ending today. Use a friends referral if you don’t already have a Rakuten account, or use George at TBB’s otherwise.
  6. Avelo has $50 off of round-trip fares booked by Tuesday, for travel between September 17 and February 11, 2025 using promo code LABORDAY.

Pictured: The source of my instructions to load $500 onto a $15-200 variable load card.
(Thanks to IAD_Flyer for the picture)

EDITOR’S NOTE: I flubbed the math in yesterday’s post. My only excuse is that I was using a cyrillic Soviet-era LED driven calculator and forgot to carry the Д when performing the Ж. I’ve updated the math and promise to learn Cyrillic before trying this again.

  1. The Chase Hyatt Business Card has a new heightened, tiered sign-up bonus matching the previous best offer:

    – 60,000 World of Hyatt points after $5,000 spend in three months
    – 15,000 World of Hyatt points after another $12,000 spend in six months

    This one runs through September 26, and almost certainly won’t bypass 5/24. (Thanks to Parts_Unknown-)
  2. Qatar Avios has devalued award redemption rates on AA and Alaska short and medium haul flights. The lowlights:

    – Economy prices went up between 23% and 58%
    – Business prices went up between 35% and 63%

    This is of course the same kind of trash that you find in a junkyard after a tornado; but also we should expect that different carriers’ Avois point values are going to converge on one another eventually so it’s predictable trash. In the mean time, DansDeals has a great chart on the cheapest currencies for booking AA flights post Qatar’s devaluation.
  3. Kroger has a 4x fuel points promotion on third party gift cards and fixed value Visa and Mastercard gift cards in-store tomorrow through Sunday. Amazon gift cards remain excluded and will only earn 2x points.

Happy Thursday!

The calculator used for yesterday’s post.

Introduction

After Delta was Crowdstruck, which caused massive delays and cancelations that continued for days, an AA flyer was overheard saying “at least I’m flying American and not Delta”. In case it’s not immediately evident, this phrase is more rare than finding Earth rocks on the moon’s surface or than John Hodgeman throwing socks at an audience.

Self-Insurance

Could you have predicted this outage and pivoted away from Delta early? Probably not this one in particular, but in general it’s safe to assume that a US airline will meltdown at least a couple of times a year and if you fly a lot, you’ve got a reasonable chance of getting caught up in a meltdown.

We’re lucky though, because travel hackers are uniquely positioned to insure themselves against events by realizing:

  • Most non-basic economy award bookings are easily refundable

To insure yourself against meltdowns, book a backup flight on another airline at least a few hours after the flight you really want to take, then refund it when your original flight looks like it’s going to work out. If there’s a meltdown, refund your original flight and take the backup.

It’s really that easy, but of course there are a few failure modes, specifically:

  • Sometimes points bookings have a cancelation fee
  • Sometimes you have to pay a few extra points for your backup to be cancelable for free
  • You might forget to cancel your backup or original flight

If you’ve got a lot of points though and can set a reminder in your phone, none of those probably matter that much.

Conclusion

Booking a backup award ticket on another carrier before a meltdown saves you after the meltdown.

Happy Monday!

What’s the backup plan when your pizza joint has a “vendor technology issue” and your pizza shows up with Kiwi though?

  1. Office Depot/OfficeMax stores have $15 off of $300 or more in Visa gift cards through Saturday. For best results:

    – Even multiples of $300 typically have the best percentage discount
    – Link your credit cards to Dosh
    – Try for multiple transactions, back-to-back
    – There are different versions of cards with different activation fees

    These are Pathward gift cards.
  2. Do this now: Register for 2x points on Marriott Homes & Villas stays booked by July 26 for three night or longer stays through the end of 2024.
  3. Two Incomm gift card sites have fee-free gift cards through the end of July:

    – TheGiftCardShop fee-free Visas with promo code 100GIFT
    – MasterCardGiftCard: fee-free Mastercards with promo code SUMMER2024 or 100MCGIFT

    These are Vanilla/Incomm gift cards. Liquidation of the e-gift card variants has become rather cumbersome, and the physical card versions are only slightly better. Each store has a $10,000 per rolling 24 hour limit.
  4. Chase Offers has new Marriott offers for spend through August 15. The good news? Each brand has its own offer. The bad news? Each brand has its own offer. The offers:

    – 10% at Sheraton on $100+, up to $57 back
    – 10% back at Fairfield on $100+, up to $38 back
    – 10% back at TownPlace on $100+, up to $57 back
    – 10% back at Westin on $100+, up to $57 back
    – 10% back on Autograph Collection on $100+, up to $62 back
    – 10% back at SpringHill Suites on $100+, up to $43 back
    – 10% back at AC Hotels, up to $57 back

    All of these are more-or-less gameable, and the most above-board way to game them is to pick up a gift card at the front desk. If you go that route though, call ahead and make sure they have gift cards in stock.

Marriott CEO reacts to bookings growth at seven of its brands, but not sure why growth stops after August 15.

  1. Citi ThankYou Points has a transfer bonus to Cathay Pacific Asia Miles through July 20. Asia Miles are useful for several reasons, generally the biggest of which is early access to oneworld partner award space.
  2. The Chase Ink Preferred card has an online offer for 120,000 Ultimate Rewards after $8,000 spend in three months.

    Despite conventional wisdom, you can get multiple Ink Preferred cards in a year. My preferred cadence is quarterly. (Thanks to kevzho)
  3. Enterprise Car Rental has a status match for just about any airline, hotel, or rental car loyalty program, with status lasting through the end of February 2026. Enterprise status is unique compared to most rental car programs in that it offers confirmed upgrades at booking to elites.
  4. Giftcards.com is showing 2x or 3x on most airline portals as of this writing. This is especially useful for two reasons: (1) It’s a good way to hit shopping portal bonuses, and (2) it’s a good way to hit AA Executive Platinum status.

    These are Pathward gift cards.

Happy Tuesday friends!

A churner shows off his Enterprise elite status.

Bank account and brokerage bonuses have been a staple of the churning diet since before churning was called churning. In the era of ZIRP (Zero Interest Rate Policy), sign-up bonuses of $200-$300 for moving $25,000 in funds to a bank for 90 days used to be no-brainer deals because if you had the cash uninvested anyway, you were earning an average of 0.10% interest in a savings account. Since America loves math, we can show in a simplified calculation that your nominal opportunity cost was barely enough for a Starbucks latte:

Opportunity Cost in ZIRP era (Savings): $6.15
$25,000 * 0.10% * 90 days / 365 days ≈ $2.46 (Why 365? Since APR, is, err per A)

Fast forward to our post-ZIRP dystopian present in which you can easily earn 5.00% or more in an FDIC insured account, and that bank bonus on a checking account that pays effectively zero has a very different opportunity cost

Opportunity Cost in the Facebook Meta Threads era (Savings): $308.20
$25,000 * 5.00% * 90 days / 365 days ≈ $308.20

What’s my point here? Obviously run the numbers before diving into a new bank account. But, you can also memorize a quick statistic for whether or not a bank account bonus is worth your time: You should earn somewhere around $50 for each 30 days that you tie up $10,000, or a high-yield savings account beats it.

Note: I know that the “but actually” people out there are going to point out that you’d earn a few cents more at most bank accounts because of compounding and monthly payouts, and that 5% of $10,000 for 30 days is more like $41 dollars. Let’s just say “you’re not wrong” and leave it at that.

A churner dresses up as a number, preparing to run.

  1. Rakuten’s In-Store card linked program has new offers for may:

    – Lowes: 3% cash back or 3x Membership Rewards
    – Food Lion: 1% cash back or 1x Membership Rewards

    Neither offer lists a maximum transaction size, and both offers have to be re-added to your card an hour after use. Both expire in 75 days, and both stack well with the current typhoon of Citi Shop Your Way Rewards spend bonuses. (Thanks to Doug)
  2. AirFrance / KLM FlyingBlue has released its May promo rewards. US cities include:

    – Los Angeles
    – Austin
    – Minneapolis

    There’s good availability in economy for 15,000 miles each way out of all of these cities, and there’s some spotty business class availability from Minneapolis for 50,000 miles this summer. Unfortunately for everyone involved, summer is about the only time that Minneapolis has better weather than much of Europe.
  3. Chase’s increased Sapphire Preferred and Sapphire Reserve sign-up bonuses became available in branch on Sunday, and they’re available online now too:

    – Sapphire Preferred: 75,000 bonus points after $4,000 spend in 3 months
    – Sapphire Reserve: 75,000 bonus points after $4,000 spend in 3 months

    Neither is available via referral yet, but I’d wait a week or two if timing isn’t critical because they’ll likely soon be available for a referral bonus too. You could get both with a Modified Double Dip, but I’d strongly prefer pairing a Sapphire Reserve with an Ink Preferred for more net points and better cash-out options.

Have a nice weekend friends!

The other Chase MDD: MEAB Double Dip.

  1. Do this now: Register for Best Western’s promotion for a free night voucher after two nights stayed in the US, Canada, or the Carribean before May 5. The free night voucher is valid through August 25.

    If you haven’t stayed in a Best Western in a a while, you’re really not missing anything, but there’s still a good arbitrage opportunity here. A quick search of Best Westerns in Lubbock shows plenty of $45-$55 nights, and after two of those you’ll earn a certificate that could be used at $500+ a night Best Western Properties in a place where people actually want to visit. Pro-tip: you don’t actually have to sleep in the $45 / night hotel.
  2. Two airline portal shave a promotion for bonus miles after cumulative spend through February 12:

    – AA eShopping has 500 bonus miles after $200 or more in cumulative spend
    – United MileagePlus shopping has 500 bonus miles after $150 or more in cumulative spend

    In totally random news giftcards.com is back on AA eShopping and on MileagePlus Shopping, albeit at 1x as of this writing.
  3. There’s a new, relatively low bonus no-lifetime language (NLL) American Express Business Gold link with 70,000 Membership Rewards after $10,000 in spend.

    Normally this would still be worthwhile thanks to call-in offers for adding up to 99 employees, but those aren’t available on the Business Gold card while they’re updating systems with the increased annual fee. (Thanks to DoC)
  4. The Target RedCard debit card has a $50 sign-up bonus through May 4, which is enough time to churn this at least once. (Lately you’ve got to wait about eight weeks in-between closing and reopening one of these for auto-approval.)

    The double redemption, once online and once in-store, is now dead, but there continues to be no credit impact for churning the debit card.

In other random news, attorneys are still attorneys.