1. Do this now: Check for targeted Q3 spending offers at chase.com/mybonus. Most offers are a variation of:

    – 5x or 7x at gas, grocery stores, or restaurants up to $1,000 spend
    – A bonus 1x or 2x on up to $6,000 or $9,000 in spend
    – Stupid HBO Max offer

    Checking each card in a new incognito tab avoids errors and false negatives. Or, you could develop a bot to check all of your chase cards for you #itsbeendone.
  2. Today is Bilt’s 25-100% transfer bonus to Alaska Airlines MileagePlan, on up to 50,000 transferred miles.
  3. Chase’s Q2 Pay Yourself Back categories have been extended through the end of Q3. Wholesale clubs continues to work well in bulk with golden items, and with Visa and Mastercard gift cards.
  4. Office Depot/OfficeMax has $15 off of $300 or more in Mastercard gift cards through Saturday. For best results, buy even multiples of $300, try for multiple transactions back-to-back, and look for the cashier with dead eyes. (Thanks to GCG)

Sample dead-eyes Office Depot worker.

  1. The Chase Southwest Business cards have increased sign-up bonuses of 120,000 points, split into 80,000 points after $5,000 spend in three months and another 40,000 points after $15,000 spend in nine months. The offers expire September 16.

    – Business Performance, $99 annual fee
    – Business Premier, $199 annual fee

    If you apply on September 15, call and move your statement date as far out as possible, and hit spend between January 1 and January 14, you’ll earn a companion pass for 2025 and 2026 with a single card. Ok, ok, technically you’ve got another six months past January 16 for the second part of the spend, but just check that box and get it over with. (Thanks to DDG)
  2. The Chase IHG One Premier Credit Card has a new bonus of five free nights, each for up to 60,000 points a night, after $4,000 spend in three months. The $99 annual fee is not waived. The offer code indicates that it’s from an in-branch offer, so 5/24 will be more ymmv than normal.

    This is a great offer for hotels in most cities, though 60,000 points doesn’t go very far in the most expensive places like New York, London, or Tokyo. It is, however plenty sufficient for no-one’s favorite Lubbock, TX and similar cities.
  3. Last week, we talked about a no-lifetime language (NLL) link for the American Express Business Gold card with 150,000 Membership Rewards after $10,000 spend in three months. I know of two cases where the targeted link didn’t work last week but does this week, so it might be worth another shot.
  4. The generic American Express Business Platinum upgrade link has a targeted increased bonus of 120,000 Membership Rewards after $10,000 spend in three months. If you’re really quick, you can still get the first half of 2024 $200 Dell credit or at least a Dell cancelation email before the credit evaporates. (Thanks to FM)
  5. Wyndham has points on sale for 0.96 cents per point, with a maximum of 100,000 points. Why should you care? Vacasa, that’s why.

Have a nice weekend friends!

Obligatory IHG Holiday Inn Express & Suites Lubbock Southwest review.

  1. Kroger has a 4x fuel points promotion on third party gift cards other than Amazon and fixed value Visas and Mastercards running through July 9, which given the frequency of these promotions over summer can only be the result of bad spreadsheet analysis.

    Fuel points resale rates have dropped by about 1/3rd in June, thanks largely in part to having the promotions run with more days than Tuscon had daily high temperatures below 100 degrees. Bulk gift card resale prices are still low thanks to Pepper’s conveyer belt that directly connects venture funds to chuners’ wallets. (Thanks to GCG)
  2. You’ve got until Sunday to cash out any quarterly, monthly, or semi-annual credits. A few notable reminders:

    – American Express: $200 Dell, $50 Saks Fifth Avenue, $50 Hilton, $20 office supply, $10 wireless credits
    – Chase: Freedom and Freedom Flex 5x
    – Discover: DiscoverIT 5x

    With online orders the shipping date is typically the charge posting date, which is used for determining when the statement credit should apply. So order quickly I guess.
  3. The Chase Ink Preferred card has a 120,000 Ultimate Rewards sign-up bonus after $8,000 spend in six months, but the offer is available only in-branch through July 3. I’d initially expected this would also be available online and via referrals, but given that July 3 is less than a week away I no longer think that’s the case.

    The best play for churners with two players is still 100,000 Ultimate Rewards for the referred and 40,000 Ultimate Rewards for the referrer, but the referrer will get a 1099 for the value of the referral bonus.

Kroger’s promotional analytics spreadsheet shows its college student demographics.

  1. Do this now: Register for 1,000 bonus points per night and double elite nights at most non Hyatt Place and Hyatt House properties in Florida through September 15.
  2. Bilt Rewards will have a transfer bonus to Alaska of between 25% and 100% depending on your status level on Monday, but the bonus is limited to the first 50,000 transferred points.

    Bilt Platinum and Gold status members are also eligible for Alaska MVP Gold or MVP status respectively through the end of the year by enrolling by Monday, and enrolling will also transfer 10,000 Bilt points to Alaska because convoluted is best. If you already have AA Platinum Pro or AA Executive Platinum, then you’re higher on an Alaska upgrade list than MVP and MVP Golds because convoluted, again, is best. Finally, Alaska occasionally enforces one status match per account in two years, because, you guessed it, convoluted is best. UPDATE: Gary at VFTW let me know that account status match time limits don’t apply with the Bilt promotion.

    Why mention this now and not on Monday? If you want to find your way to more Bilt points to take advantage of the transfer bonus, go now.

Bilt Rewards’ user-friendly solar system visualization, because convoluted is best.

Manufactured spend, churning, and travel hacking are often hidden behind a veil of coded words and language, and whether or not that’s necessary is a subject for another time. Often the coding isn’t direct words, but rather what isn’t being said. That is, sometimes to find the weiner hiding between two sides of a hot-dug bun (you’re welcome Chad), we need to read between the lines.

Yesterday, an almost perfect, chef’s kiss example of reading between the lines graced churners. And, as if that weren’t enough, it came from a prior churning gamer turned gamee. (In case the post is deleted, I’ve archived an image for future generations):

I’ve never seen a more perfect and succinct object lesson. I mean, this is college textbook, honorary PhD, commemorative gold-leaf plaque level, but I digress.

There are at least two sides to explore this post from:

  • If you know exactly what this post is talking about: Try and view it through the lens of someone who doesn’t, and ask questions like, “what sticks out about this post?” and “What might help you recognize posts like this in the future when you might not know it’s talking about?” The better you answer those questions, the more effective you’ll be in the future.
  • If you don’t know what this is about: There are a few weird things about this post. To help with what those might be, some friendly redditors ask questions and make probably incorrect assumptions based on those questions. Do their answers make sense? What happens if you explore a little, do those explorations line up with those answers? Also, what do twitter X users have to say? Finally, who is this guy?

Good luck, and happy Tuesday! Also, sorry not sorry for another “so-cryptic-that-no-one-can-understand” MEAB post.

PS: I like Richard, he’s a decent guy and I don’t think he deserves the bad rap he gets. We need to separate the gaffe from the human on this one.

A churner consults the MEAB decoder book, unsuccessfully.

  1. AirFrance and KLM’s FlyingBlue program has a paid status match for Silver status at $99 or for Gold status at $299 available to US and Mexico residents. Both will get you free checked bags on SkyTeam flights including Delta and the ability to choose Comfort+ seats close to departure. Gold will also get you into SkyTeam lounges, but only when flying on international itineraries.

    Two notes: (1) You may already get Silver or Gold status through Bilt for free, and (2) the main SkyTeam lounge that most of us use is the Delta SkyClub, which is easily accessible with American Express Platinum or Delta Reserve cards even on domestic itineraries.
  2. Meijer stores have 50,000 bonus points with the purchase of $500 in most third party gift cards, limit one per mPerks account.

    Like its big brother Kroger, Meijer excluded Amazon from its points promotion. Also like its big brother Kroger, you can have more than one loyalty account assuming you can invent a way to have multiple email addresses.
  3. More cards have been targeted for offers like Friday’s American Express Business Gold spend bonuses of 15,000 Membership Rewards per employee after $4,000 spend on no-fee expense cards, up to 99 times. We’ve now seen the offer on:

    – Business Gold cards
    – Blue Business Plus cards

    It’s probably out there on Blue Business Cash and Green cards too, always be probing.

Happy Monday!

Kroger and Meijer hang at a family reunion.

  1. American Express increased its phone-in offers for adding employee cards to its Business Gold accounts, though it’s rather targeted. Current versions of the offer:

    – Spend $4,000, get 5,000 Membership Rewards for new $0 fee Expense employee cards
    – Spend $4,000, get 7,000 Membership Rewards for new $0 fee Expense cards
    – Spend $4,000, get 15,000 Membership Rewards for new $0 fee Expense cards
    – Spend $4,000, get 15,000 Membership Rewards for new $95 fee Gold cards

    Each of these work for up to 99 employee cards per main account, and so far we’ve only seen the 15,000 Membership Rewards with $0 fee cards on the Business Gold. Note that accounts can only have 99 employee cards through the life of the account, unless the employee cards are cancelled, the main account expires, and a new card is issued.
  2. Staples has fee-free $200 Mastercard Visa gift cards starting Sunday and running through the following Saturday, limit eight per transaction. You can pair this with the above deal if you’ve got a friendly store.

    These are Pathward gift cards.
  3. Either Sunday or Monday is the final day for Bilt Rewards transfers to AA’s AAdvantage miles, depending what expiration means to Bilt’s technical team. I’d suggest transferring anything you’d like now and let programers argue about “<” vs “≤” elsewhere. (Thanks to e1tm)
  4. A link surfaced for an American Express Business Gold no-lifetime language (NLL) with 150,000 Membership Rewards after $10,000 spend in three months, and a bonus 5,000 Membership Rewards after adding an employee card and having them spend $1,000 too.

    After 60-90 days, you’ll likely see yourself targeted for phone-in offers like those above too. (Thanks to DDG)

Have a nice weekend!

Exclusive photo of Bilt Rewards design tiger-team meeting.

  1. Kroger has a 4x fuel points promotion on third-party gift cards and fixed value Visa and Mastercards on Friday. Amazon gift cards are still excluded. We’ve had a 4x promotion in all but four days of June, which leads me to believe that Kroger is specifically targeting people with short term memory loss; it’s the only logical explanation.

    The fuel points resale market is currently saturated, and the gift card resale market remains depressed because Pepper Rewards is still dumping inventory on the market — in case you were wondering.
  2. Chase Offers has 10%-15% back at Hyatt House properties on at least $100 spend up to $40 cash back through July 31, and a similar offer for Hyatt Place properties for up to $38 cash back. Gamers gonna game.
  3. Do this now: Search your email for a targeted Q3 bonus from IHG and click the registration button. A good search string is something like:

    subject:”Invite Only” in:anywhere after:2024/06/15 from:ihg

    Outlook users should modify as necessary, but they’re used to that, right? (Thanks to FM)

Happy Thursday friends!

The IT guy’s mug tries to be funny.