Office Depot OfficeMax (I literally never remember which parts of that store name are supposed to have a space and which aren’t) has another negative cost manufactured spend opportunity available: $15 back on a purchase of $300 or more in Mastercard Gift Cards. For the best bang for your buck:

  1. Link your credit card(s) to Dosh in the mobile app before heading to the store. You’ll get an extra 2% back, up to $10 per day
  2. Buy two $200 Mastercard gift cards
  3. Get two more $200 Mastercard gift cards, and go to step (2) with another transaction (if you’ve got a friendly cashier)
  4. Log in to Dosh a few hours after the transaction to claim your cash back

You’ll spend $398.90 per transaction for $400.00 in gift cards and you’ll get another $7.97 cash back from Dosh.

One of the frequent questions I get lately is “How can you liquidate these from home?” I’ve got a few answers that I’m glad to share publicly, and a few that are more fragile so I won’t share them here. I will however drop the generic tip that I encourage you to explore around — opportunities do exist. Start looking for payment processors and bill payment platforms because that’s where pay dirt usually lies. In the mean time though, you can liquidate from home via:

  • Bravo payment app: see the defunct Middle Aged Miles blog for more. Side note: do some great internet sleuthing and app hacking if you want better than 2.9% rates, but it’s fraught with peril and you should probably never take my advice about anything
  • Paying estimated taxes quarterly, two per payment processor (PayUSATax, PayTax1040, ACI Payments)
  • Micro-lending on Kiva
  • Reloading your Amazon balance
  • Pay your utility bills, most accept “debit” card payments

Good luck out there!

With this many major players involved in payment processing you’re bound to find loopholes. Let’s not forget that there are many, many more minor players too.

Introduction

As part of my series on travel hacking with ITA Matrix, I’d like to talk about another use for my favorite tool for airfare searches and related travel hacking: Forced routings. As a reminder, ITA Matrix great for hidden city ticketing, fuel dumps, free one-ways, forced fare buckets, aircraft selection, multi-class cabin bookings, and avoiding married segments — though I use it for more than that too.

For this one, let’s tackle forced routings.

Why Forced Routings?

A forced routing is one of the simplest travel hacking concepts out there. All it means is that you want to buy an airline ticket, but you only want to pass through certain hubs or use certain carriers to do it.

I use forced routings to the following airports at times:

I use forced routings to avoid:

  • ORD in the late summer and early fall (delays run rampant)
  • SFO most of the year (delays run rampant when the fog sets in or a runway is under construction, which is approximately always)
  • PHX in the summer (aircraft are often weight restricted and have to kick people off to meet reduced takeoff weights)
  • ATL in the late fall and in January (delays run rampant)
  • ATL the rest of the year (I really dislike the airport)
  • MIA/PHL/CLT when traveling to Europe (I want my time in the wide-body plane to be long enough to sleep, not just a short hop so I’d rather connect further west)
  • United when I know they’re flying a regional jet on a particular route

Forcing Routings in ITA Matrix

How do we use forced routings in ITA Matrix? It’s actually really simple.

  1. Turn on “Advanced controls” if they’re not already enabled
  2. Enter the airport abbreviation in “Outbound routing codes” as appropriate:
    1. Enter “ATL” to force routing through ATL
    2. Enter “~ATL” avoid routing through ATL (the tilde means “avoid”)
    3. Enter “DEN,ORD” to route through one of DEN or ORD, either way is fine
    4. Enter “~DEN,ORD” to avoid routing through either DEN or ORD
    5. Enter “DEN ORD” to route through two hubs, DEN and ORD in that order
  3. Enter the rest of the data as needed for the trip
  4. Click “Search”

Here’s a screenshot showing a trip that avoids passing through DEN or ORD (scenario 4):

Sample forced routing from San Diego to Orlando, avoiding Denver or Chicago O’Hare as layovers.

Forced Routings and Carriers in ITA Matrix

Not bad, eh? Let’s get a little more complex though. With a little elbow grease you can force yourself to be on specific carriers and route through particular hubs. Let’s say I want to fly Delta to ORD and United to ATL on the same ticket. No problem, carriers just go before and after the hub as carrier codes.

Let’s look at this example:

  1. Turn on “Advanced controls” if they’re not already enabled
  2. Enter carriers and hubs in “Outbound routing codes” as appropriate:
    1. Enter “DL ORD UA” for a direct flight on Delta to ORD, then a direct flight on United to the destination
    2. Enter “DL+ ORD UA” for a direct or connecting flight on Delta to ORD, then a direct flight on United to the destination
    3. Enter “~F9 ORD UA+” to fly a direct flight on any airline but Frontier to ORD, then a direct or connecting flight on United to the destination
  3. Enter the rest of the data as needed for the trip
  4. Click “Search”

The carrier codes for the major US airlines are: Delta: DL, United: UA, American: AA, Frontier: F9, Southwest: WN (though Southwest is different and doesn’t show fares through ITA Matrix, so that one is just trivia for now). Also, in case you didn’t glean it above, the “+” means “one or more legs”.

My example (Delta to ORD then United to ATL) will look like this:

Forced routing through O’Hare on Delta from SLC to ORD and United from ORD to ATL, all on the same ticket

Booking the Results

Ok, so you’ve now got your convoluted, forced routing itinerary priced out. How do you book it? Simple, copy the results page and paste it into bookwithmatrix.com, which will then let you forward the itinerary to several booking agencies (in this case my options were Delta or Priceline, but that varies based on the itinerary).

The “I hate my in-laws” routing. Just enter “IAD JAX” as your advanced routing codes in ITA Matrix to book this one.

Fun fact: Once I really did connect in JAX between IAD and MCO on purpose. The ground crew was incredulous that anyone would connect in JAX.

The frequency of US Mint coin deals has been turned up to an eleven recently as you’ve probably seen on a dozen other sites. I want to call out a few things that you probably won’t see everywhere else in anticipation of today’s deal at 12PM Eastern, which will be a nice manufactured spend and money making opportunity:

  • American Express has been awarding points on US Mint purchases despite scares about that wouldn’t after new language was added to the Terms and Conditions of personal cards
  • Using a Citi personal credit card will often trigger a fraud alert, and by the time you get that cleared up the coins will probably be sold out, so just don’t do it
  • You have a better shot of getting in on the deal if you’re logged in and ready 10 minutes before the deal goes live
  • Most of these deals will take about 15 minutes of your time to buy and you’ll earn $100 or more and some manufactured spend for the trouble, so do look into participating if it’s right for you
  • You can scale this deal with other trustworthy addresses, like perhaps those of your immediate family or your own PO Box, just use a separate US Mint account for each
  • If you’re even slightly techie, you can pre-construct the URLs for adding the coins to your cart and then load them right when the clock turns: Take the link for an existing product’s “Add to Bag”, then change the product id and quantity to match the new deal (todays product id: 21EMN)
  • Vinh at Miles Per Day consistently has the best offers I’ve seen. I consider him trustworthy, but do your own diligence and homework and then make your own decision

Before committing to any seller, shop around at Miles Per Day, PointsMaker, PFS Buyers Club, TheCardBay, and The Deal Buyer for the best deal, and make sure you choose a buyer that you trust.

An image of a mint/chocolate flavored treat.
Pictured: Mint coin.

1. Still waiting on your American Express Platinum Clear $179 credit? Or maybe, you’ve got way to many of them like me? Well, there’s a slightly better membership deal that surfaced on reddit: Sign up at clearme.com with promo code AUG129GIFT and you’ll get a $50 discount and a $15 Amazon gift card, which is slightly better than what you’ll get by using a United or Delta general member discount. (Thanks to deakmania)

2. Point.app has a new streak going: Get 3,000 points or $30 back after using your card once a day for five days before August 20, though the sum of the purchases have to be greater than $200 for the streak, a 15% return on spend. (Last round it was $100 in total purchases, and earlier this year it was $5, so the trajectory is going super-lame.)

I’ll play this by setting up debbit to do an Amazon reload randomly between $40.00 and $41.00, once a day for 5 days. To help push some of you over the hump for debbit, here’s my config.txt for this one (obviously, you’ll have to put your own username, password, and Point card number in place of the ones in my stanza. Then, set a reminder on your phone to kill debbit in 5 days and remove this configuration block so it doesn’t keep spending.

point_debit_card:
  amazon_gift_card_reload:
    total_purchases: 20
    amount_min: 4000
    amount_max: 4100
    usr: [email protected]
    psw: SUPER-SECRET-PASSWORD-MEAB-RULES
    card: XXXXXXXXXXXXXXXX
    min_day: 2
    max_day: 20
    burst_count: 1
    spread:
        min_gap: 86400
        time_variance: 180

If you’re new to Point.app, make sure you sign up with a referral, which will pay you and the referrer $100 after spending $1,000 (I don’t know of a better referral at this time, though referrals of up to $250 have existed in the past).

3. The Daily Churn podcast did an interesting, detailed episode on an Interactive Brokers sign up bonus. The podcast’s main argument for why this is a great bonus is because the payout is prorated based on how much money or stock you transfer in, rather than having fixed bonus thresholds. Your best bonus under a single player scenario will be $1,000, and under a two player scenario it’d be $2,200. This could be a nice way to move your 401(k)s or IRAs to a low-fee broker and get a bonus for doing it.

The Point.app streak bonus payoff curve as a function of time, trending toward a super-lame asymptote.

At face value, the no-annual fee Discover IT card gives 5% cash back on up to $1,500 spend in rotating categories every quarter, which works out to $75 cash back up to four times a year. It’s a boring card, and believe me I understand that sometimes it’s hard to get excited about pure cash-back plays.

That said, you’ve been able to do better than 5% cash back since July 2019 with the IT card. How? Discover gives you a 25% uplift when redeeming for Nike gift cards, and small (< $100) Nike gift cards have a high resale value at approximately 91% of face value. The math:

5% * 125% * 91% = 5.687%

America loves math, right? Don’t stress it too hard, but remember that the Discover IT card is really a ~5.7% cash back card in rotating categories with the Nike uplift. (Thanks to GC Galore’s post for reminding me to do a writeup like this)

A picture of a dog with about 8 helium balloons attached to its body.
Real-life reenactment of a the Nike 5.687% boost.

EDITOR’S NOTE: Since around Autumn 2024, sometimes applying for more than three cards leads to approvals that are subsequently converted into duplicate apps. The haphazard nature of recent data-points suggests that it’s probably only happening when an underwriting rep manually reviews something, so some luck is involved if you’re applying for a bunch of the same type of card.

On Thursday I posted about a Bank of America trick or two. The post generated more questions than I thought, so let’s talk about how Bank of America credit card applications work (maybe not officially, but this is how it works in practice):

  • Bank of America will only make one hard credit pull a day regardless of the number of applications made
  • Personal cards will show up on your credit report once opened, business cards will not
  • You can be approved for multiple versions of the same Business card on the same day, just use multiple businesses with multiple EINs
  • Some business cards have a Visa and a Mastercard variant, and each is a separate product
  • Having $5,000+ in a personal Bank of America checking account will help make business applications sail through the automated approval system
  • As long as the credit line on a newly approved business card is greater than $5,000, you’ll likely be approved for another business card so just keep going
  • Existing business credit cards don’t affect your ability to earn bonuses or to be approved for a new application with the same card

Last week’s post also laid out a quick plan for maximizing BoA credit card applications and I followed it over the weekend. Here’s what I applied for

Spoiler alert, I was approved for every one of them.

Despite playing the game for over 10 years, I’ve somehow never had a personal Alaska Visa. If I had, I’d make sure it’d been a few years since I applied or perhaps picked a different personal card. At the time of applying, I had one Business Cash Mastercard and one business Alaska Visa open, and I had closed a second business Alaska Visa the day before to up my chances for the shenani-go-round. (Why yes, I did just make that word up, why do you ask?)

What’s the takeaway? Go big with Bank of America credit card applications.

A tee shirt that says "Go big or go home" with a drawing of a tricycle in the center.
Bank of America may be the tricycle of big-banks, but it’ll take you places.

It’s shaping up to be a great weekend for getting out there and ginning-up some spend. Alternatively, if you’re like me you’ve burnt out on manufactured spend after a week and a half of Kroger’s 4x Fuel Points promotion it’s a good weekend for chillin’. You decide:

1. Staples is selling fee free Visa Gift Cards again starting on Sunday and running through a week from Saturday, limit 5 per customer (or per transaction in most cases). Just make sure you have a liquidation method before you load up on these.

2. Simon Mall online is having a flash sale for 50% off of Visa gift card fees using promo code FSAUG50 through this evening. These are an interesting way to meet minimum spend for second tier banks (definitely not for American Express, you won’t earn points and the spend won’t count toward a sign up bonus). If by some miracle you have one of the card numbers for yesterday’s Bank of America shenanigans handy this could be a great way to run up a balance for payment shenanigans on those cards.

In case you’re not aware, you can get $1,000 face value Visa gift cards with your name printed on the front online at Simon. Frequent Miler has a good writeup here with the basics. As with the Staples, make sure you’ve got a path toward liquidation of these gift cards before going big.

3. Is your Brex cash card sitting idle? I’d understand if so, mine certainly was for quite a while. That’s changed though — I wanted to drop a reminder for those who might have ride-share like expenses, real or otherwise: Brex has been faithfully awarding 8x on ride-sharing services for me.

Brex has a new sign-up bonus of 80,000 miles (or $800 if you’d rather cash out) with $9,000 spend within a short 30 days. It has no credit check but does require a real business. Note that this link randomly seems to offer 7x on ride-sharing services. (Thanks to Rapid Travel Chai for the link)

4. M1 Finance has released their upcoming credit card’s rewards structure, and there are a few doozies for manufactured spend in there. You can see the full list here.

How I’ll be rolling this weekend.

Bank of America is a strange bank, and the Alaska Airlines card is even stranger. Often, you can find about twelve variations of the sign-up bonus for the personal card by looking in different places, like in-flight, at the gate, at the check-in counter, online, or by calling and asking. There’s a new variation which as far as I can tell is the best offer they’ve come up with that’s publicly available over the internet (you’ll currently find it by searching Google for “alaska airlines visa” and clicking the sponsored link, which probably costs BoA about $4 per click) Update: Thanks to Gary from VFTW who wrote in to share a better public offer than the google search method. Links and text below have been updated to include the better offer.

As usual, I’m not here to push credit cards on you but I am here to help you maximize them if and when you apply. To that end, here’s the current offer from the above Google search:

Note that BoA personal cards have anti-churning language that’s not present on the business cards, and the personal cards have the 2/3/4 rule, which basically boils down to you can only get two BoA personal cards every two months, three personal cards every 12 months, and four personal cards every 24 months.

By itself, the card is mildly interesting, but because it’s BoA and it pairs well with BoA business cards, it can become intriguing:

  • BoA is a great target for CheckFreePay, and historically they’ve been extremely liberal on getting payments from the service
  • BoA will only make one hard pull of your credit a day regardless of the number of applications
  • BoA will let you open “a few” business cards back-to-back, even following a personal card application

So if you want Alaska miles (like to use 70,000 miles to Japan in JAL First or 60,000 miles to Japan in JAL Business class), I’d suggest the following steps:

  1. Sign up for a personal Alaska card
  2. Sign up for a business Alaska card
  3. Sign up for a MilesEarnAndBurn’s Unsung Hero BoA Business Rewards card (here’s a link for a $750 sign up bonus, no annual fee)
  4. Repeat steps (2) and/or (3) while you’re still getting decent sized credit lines

In the end, you’ll have one hard pull, one new account on your credit report (the personal card), hopefully a handful of new business cards, and a few great targets for CheckFreePay and other shenanigans.

Yes, this image is a repeat but I’m too proud of it to not bring it back for this article. Thanks again to Danny for the inspiration for the picture.