Search Results for: citi shop your way

Let me start today with a bit of advice: It’s easy to register for 5x promotions, and it’s also easy to hit all your spend in a single day. It’s also easy to assume that you’ll do it and then never get to it. So, consider setting aside a single day in early April to hit all your quarterly 5x spend so that you can focus on bigger, better deals.

  1. Do this now: Register for Chase Freedom and Freedom Flex Q2 5x categories. This time: Restaurants, Whole Foods (which sells many types of gift cards), and hotels.
  2. Do this now: Register for Discover IT Q2 5x categories. This time: Gas stations and home improvement stores, both of which sell many types of gift cards; also public transit.
  3. Do this now: Register for Citi Dividend Q2 5x categories: This time: Grocery stores and drug stores, both of which typically sell many types of gift cards.
  4. Do this now: Choose your US Bank Cash+ Q2 5x categories. I always choose utilities and electronics stores, the latter of which typically sells many types of gift cards.
  5. Giant, Martins, Stop and Shop, and Giant Food stores have 2x points on Vanilla Visa gift cards through Wednesday, limit $2,000 in spend per account, no registration required.
  6. Virgin Atlantic has a promotion for 50% off the mileage cost of award tickets booked by Wednesday for travel through June 30 for travel on Virgin Atlantic metal. This doesn’t reduce the often substantial surcharges that go along with the tickets. (Thanks to DoC)
  7. American Express offers has two new interesting card-linked offers:

    – $50 off of $250 or more in spend at several IHG brands through June 15
    – $150 off of $750 or more in spend at the Four Seasons through July 11 (if they do string matching, Four Seasons Total Landscaping may also work)

    Gamers gonna game. (Thanks to DDG)

Have a nice weekend friends!

Not this kind of nose dive. (too soon?)

One of the tenets of common sense that transcends travel hacking, miles and points, and churning is “if something seems too good to be true, it probably is“. To an untrained eye, it’s good advice and will probably keep you out of a tight spot.

If however you’re skilled in a particular field, the general advice can fall flat on its face and hold you back. In travel hacking and churning, there are currently and there have been plenty of examples that you’d miss out on if you thought they were too good to be true, like:

– Earning 24% back when buying Visa gift cards at home
– Earning tens of millions of Delta SkyMiles for buying money orders with a real bank debit card
– Getting enough cash to buy a new Subaru for adding employees to your account
– Paying a credit card’s bill with another credit card
– Flying to Europe in business class for 15,000 miles
– Buying airline miles at or below 0.5 cents a piece, in seemingly unlimited quantities
– Getting millions of AA miles with rapid card churning without paying annual fees

So, don’t let the idea of too good to be true prevent you from running a few tests when you’re a subject matter expert, instead, protect yourself and always be probing. Also, try not to visibly wince like I do when someone says “if a deal is too good to be true, it probably is”, it’s bad form.

Frat boy Chad said that Flamin’ Hot Cheeto cheeseburgers were too good to be true, and this, err, exists.

NOTE: I’ll be going on a blogging vacation between Monday and December 31, during which there will be at least some guest posts. I’ve already gotten a few queued up from readers smarter than me, and I’m soliciting for more to complete the holiday. Posts should be non-sponsored, non-promotional, non-political, and at least travel hacking or churning adjacent. Please reach out to me if you’re interested, it’ll be the third easiest gig you’ve ever gotten!

Introduction

Between 2011 and 2013, it was possible to earn miles for any Amazon purchase through the US Airways and Hawaiian shopping portals. In 2011 I was relatively new to the game and I made a common mistake: I had earned a chunk of US Airways miles through promotions and a credit card bonus, so I decided that I’d earn Hawaiian miles instead whenever I shopped at Amazon, even though had exactly no clear use case. I was sure that at some point I’d use them, just like Southwest CEO Bob Jordan is (incorrectly) sure that Southwest will never have a holiday meltdown again.

Piles of Miles

Now, please join me in 2023 and let’s peek at my current Hawaiian Airlines balance, keeping in mind that I’ve redeemed exactly as many Hawaiian miles as the number of good menu items at Chik-Fil-A, or the number of times that Southwest CEO Bob Jordan has correctly predicted the meltdown future [drumroll]:

Zero (0)

By 2013 I’d earned 40,000 Hawaiian miles through the Amazon shopping portal, but eventually they expired – partially because I was inexperienced and partially because I didn’t ever have a redemption plan in mind. This is a common mistake, especially when you’re stating out. In the last couple of weeks for example, I’ve heard from churners who:

  • Have mid-six figures of IHG points and have never stayed in an IHG hotel
  • Signed up for two Southwest credit cards without even having a Rapid Rewards number
  • Lost 500,000 ThankYou Points after a Citi shutdown, never having used a single point

Obviously some of these are more catastrophic than others, but they all illustrate a common theme: A point isn’t worth anything if it’s never redeemed, and if you have no loose plan, there’s a good chance you’ll never redeem.

MEAB, Get to the Point!

Before you earn any loyalty currency, have at least a rough idea of how you’ll use that currency. Otherwise, you’re almost certainly better off earning cash because at least that doesn’t expire and can be used effectively anywhere, for any travel, as long as your airline isn’t melting down.

Happy Holidays friends!

The easiest gig you’ve ever gotten.

There’s a lot going on today, remember to focus on the bigger stuff and ignore the smaller stuff:

  1. H-E-B grocery stores have a $20 H-E-B gift card with the purchase of a $100 gift card in several travel related and bulk resale brands through tomorrow night, limit one per account. Your best options for resale is Home Depot, and Airbnb for travel.

    It may be worth a quick trip if you’re not already in H-E-B land if you’re confident in your ability to scale. It is possible to mint thousands of dollars quickly. (Thanks to GCG)
  2. Alaska has a paid and award ticket sale through Wednesday night. I’m seeing transcontinental flights, Hawaiian flights, and some international flights pricing at 7,500 miles each way in economy, short haul flights are showing at 4,000 miles each way in economy.

    The sale is for travel booked 21 days in advance for travel through March 9, and there are a few blackout dates in late February.
  3. The IHG mobile app has 20% off of paid hotel stays booked by tomorrow night for nights through April 30, 2024, and 15% off of points and cash stays for nights in January and February 2024.
  4. Amazon has holiday weekend shopping promotions for using a single bank point:

    – American Express 40% or 50% off
    – Chase Ultimate Reward 50% off
    – Discover 50% off
    – US Bank 50% off

    Of course you should combine these with buyers groups or gift card reselling activity when possible. If you’re not targeted for one of them, remove those cards from your profile, add them back, then wait a day and check again.
  5. Citi ThankYou Points are redeemable toward Apple e-gift cards today only with a 25% bonus (or 20% discount per Citi because they’re bad at marketing). The resale rate for Apple gift cards is well above a 20% discount making this a nice way to cash out ThankYou Points at above regular rates.
  6. Giftcards.com has 6% off of $100 Visa e-gift cards through tomorrow night with promo codes CYBER6, CYBERVISA, or VISACYBER, limit three per purchase. The limit makes it hard to get to $2,000 per rolling 48 hours but if you’re looking for cancels this is a low cost way to get there.

    These may be worth your time for American Express cards in particular, but only if you have a low cost liquidation channel, since portals are no longer tracking when a promo code is used. (Thanks to TeddyH)

The internet standard measurement of a banana for scale really isn’t big enough on cyber Monday. Instead, use comically oversized carrot for scale to filter through the madness.

Warning: There’s a lot of math in today’s post, but don’t worry, it’s the easy kind that doesn’t cause my P2 to break out in hives.

  1. PenFed has a $750 new savings account bonus for depositing $50,000 by the end of the year and holding it through April 30, 2024. The account earns 3% APR, and the bonus is effectively another 6% 4.5 APR. Last I checked, 3%+6% 4.5 = a good savings rate for cash. (Thanks to DoC, and Anthony)
  2. The American Express Business Platinum card has heightened bonuses via referral, now up to 25,000 Membership Rewards for the referrer and 150,000 Membership Rewards for the referred.

    Obviously 150,000+25,000 is less than the current sporadic offer of 190,000 Membership Rewards, but the referral offer is much less likely to give a pop-up. (Thanks to Gasongasoff)
  3. Capital One Shopping has a targeted $50 or $75 referral bonus for both the referrer and referee available, for a total of $100 or $150 in bonuses. A couple of reminders:

    – You don’t have to have a Capital One account to use Capital One Shopping
    – After approximately $1,000 cash back you should switch to a new account

    So, I guess connect the dots on this one.
  4. Based on news headlines in the space, affiliate credit card bloggers evidently have new access to a new Alaska Airlines Visa 60,000 mile sign-up bonus. As a friendly reminder, VPN into Southern California and use a link that has an embedded Google referral for a 70,000 mile offer if you’re going for the card, and probably go for some business cards at the same time too.
  5. Citi has a new targeted offer by email for a $30 statement credit with $350 or more in hotel spend through December 20. Check your inbox for the subject: “[NAME], Activate your offer today and start earning now!”
  6. Qatar Avios has a 25% bonus for incoming bank point transfers through November 30. For most of us, bank points with Qatar as a transfer partner means Citi or American Express.

    Typically these bonuses post in a week, but the T&C gives them 45 days of wiggle room.

Happy Tuesday!

Ok, this one might actually be hive inducing, sorry.

You know how most of you get an extra hour this weekend? Well, there’s plenty to fill it:

  1. Capital One has an interesting bank bonus for a high-yield savings account:

    – $20,000: $300 bonus
    – $50,000: $750 bonus
    – $100,000: $1,500 bonus

    You must fund the account within 15 days, and hold it for 105 days after. The APR is currently 4.30% so the opportunity cost of holding funds is much lower than most recent bank bonuses.
  2. AirFrance and KLM’s FlyingBlue has released discounted promo award cities for travel through April 30, 2024 booked by this month. New York, Los Angeles, Miami, Seattle, Dallas, San Jose, and Raleigh/Durham are this month’s US cities included in the promotion.
  3. The Gift Card Shop has 100% off of purchase fees for custom designed Visa gift cards through November 8 with code CUSTOMHOLIDAY23.

    These are InComm gift cards. (Thanks to SideShowBob233)
  4. MasterCardGiftCard.com has 50% off of purchase fees for orders over $150 through November 16 with code SHOPEARLY2023.

    These are InComm gift cards; is there an echo in here? (Thanks to SideShowBob233)
  5. Citi ThankYou Points has a couple of has transfer bonuses:

    – 25% to Avianca LifeMiles through tomorrow night
    – 30% to Qatar Avios through November 10, posted by Qatar within 45 days

    Both of these programs have sweet spots, google is your friend for some of them.
  6. The major airline shopping portals have new holiday spend bonuses:

    – AA: 4,000 miles with $1,600 in spend through November 17
    – Alaska: 1,500 miles with $650 in spend through November 17
    – Delta 2,000 miles with $1,000 in spend through November 17
    – Southwest: 4,000 points with $1,000 in spend through November 22
    – United: 5,000 miles with $1,200 in spend through November 20

    It’s possible to hit all of these bonuses with giftcards.com assuming that you have a good liquidation channel.
  7. Kroger.com has 5% off of physical Visa and Mastercard gift cards ordered online through November 15 using promo code FALLFRENZY23.

    These are US Bank gifts, the purchase won’t code as grocery, and will earn fuel points. (Thanks to GCG)
  8. Citi has been sending personal and business AA card holders offers for additional bonus miles for making at least one purchase in the next three billing periods:

    – 500 miles for the first statement
    – 1,000 miles for the second statement
    – 1,500 miles for the third statement
    – 2,000 miles in addition to the above for all three statements

    (Thanks to Justmeha and MVC)
  9. American Express has increased its business checking account sign-up bonus to 50,000 Membership Rewards, or $550 with the Schwab Platinum cash out. To be eligible, you’ll need to open an account by December 12 and:

    – Deposit $5,000 within 30 days
    – Maintain at least a $5,000 balance for the following 60 days
    – Make five transactions within the first 60 days

    ACHs and debit card activity both count as qualifying transactions. (Thanks to DoC)

Have a nice daylight savings weekend! (Unless you’re in Arizona, then, well, good luck.)

How daylight savings was invented, except for zonies.

  1. The American Express’s Business Gold card has had an extremely rare public 150,000 Membership Rewards sign-up bonus for several days. I haven’t mentioned it before today because people have wasted literally hours trying to get it to appear with very limited success, and I think your time is worth something. But we now have a new efficient method make it appear:

    – Visit this link in a private or incognito window
    – Verify that you see an offer for a Business Platinum card at 170,000 Membership Rewards (and reload if you don’t)
    – Click the Hamburger Menu (☰) icon
    – Click “Most Popular Cards”
    – Click “American Express Business Gold Card”

    This link has lifetime language, but that doesn’t matter. Instead remember that if you don’t get a pop-up during application telling you that you’re ineligible for a bonus, you’ll get the sign-up bonus regardless of the language. (Thanks to irieriley via MEAB slack and C-MontgomeryChurns)
  2. PayPal has an offer for 1.5% cash back at giftcards.com. This stacks with existing shopping portals and card linked programs too. (Thanks to Zp via MEAB slack)
  3. Clear has a promotion for a $75 Uber voucher with a new membership using promo code CLAIMUBER75 through October 24, and it may surprise you to learn that American Express Platinum and Business Platinum cards have an annual Clear credit. If only there were someway to have multiple email addresses 🤔.

    This promotion requires that you don’t opt out of Clear’s promotional emails until your Uber voucher is delivered, and lately Uber has (sometimes) blocked multiple Clear vouchers on the same account. Just make sure to turn off auto-renew after creating your account. (Thanks to MsTuffy)
  4. While we’re talking about being surprised, it may also surprise you to learn that Staples has a promotion starting Sunday and running through the following Saturday for fee-free $200 Visa gift cards, limit eight per transaction.

    Don’t forget that the American Express Business Gold card now has a monthly $20 credit at office supply stores. (Thanks to DoC)
  5. The Chase Freedom Unlimited has a Discover-esque sign-up bonus for 3x Ultimate Rewards everywhere within the first 12 months of holding the card. The card has no-annual fee, and unfortunately isn’t a Freedom Flex Mastercard for extra shenanigans, but that’ll do donkey, that’ll do. This bonus isn’t available by referral but could be in a few weeks, so if you’re in two-player mode I’d wait to see how that pans out.
  6. American Express Offers has a new offer for $40 back on $200 or more in airfare at JetBlue. Now if only there were a way to book a non-basic economy flight and refund it to a travel bank, or maybe even something more sinister. Alas, here we are.

Because you haven’t had enough surprises today, apparently “surprise burgers” are a thing. 2023, amirite?

The reaction to yesterday’s budgeting post was next-level. Thanks to everyone who wrote in! Today’s post is a biggie, so buckle up:

  1. Do this now: Register for Hyatt’s Bonus Journeys promotion for 3,000 bonus points for each three qualifying nights up to seven times, valid for nights between October 6 and November 30.

    If you have a Chase Hyatt credit card, there’s an additional 1,000 bonus points for every three nights at certain properties with the same promotion, but the properties are mostly outside of the US.
  2. Do this now: Register for Marriott’s Go Your Way promotion for 1,500 bonus Bonvoy points for every three paid nights between September 12 and December 6.
  3. Do this now: Register for Choice’s More Destinations, More Adventures promotion for 8,000 bonus points for every two paid stays completed by November 6.
  4. Southwest’s next schedule extension for travel between April 9 and June 3, 2024 happens tomorrow, and covers both some spring break travel and Memorial Day weekend. (Thanks to the legendary Brian M, who keeps a closer tab on Southwest than Herb Kelleher did)
  5. The Capital One VentureX Business 150,000 points sign-up bonus after $30,000 spend in three months is now available online. The $395 annual fee is not waived the first year but does include an easily redeemable $300 travel credit.

    For the math challenged, you’ll earn 7x on $30,000 in spend which is hard to beat for big spenders. (Thanks to DDG)
  6. Southwest’s Rapid Rewards shopping portal has 2,000 bonus points when spending $400 in cumulative purchases through September 18. Fortunately, as a collective society we once again we know how to easily earn these kinds of bonuses.

    With the fees you’ll pay for two $250 egift cards, you’ll be effectively buying 3,000 Rapid Rewards points at 0.396 cents per point, minus whatever value you’ll earn for spending $500 on your credit card. Of course there’s a Citi Merchant offer for 3% back that gives even more upside. (Thanks to FM)
  7. There’s a new fast-track to Hyatt Globalist status for higher level AA elites. Platinum Pro and Executive Platinum elites will earn Globalist(-lite) with 20 nights within 90 days of registration, and you must register by November 12.

    With a little grit, or dare I say, true grit, you can earn Globalist(-lite) in exchange for 70,000 Ultimate Rewards utilizing this promotion.

Happy Wednesday!

An avid churner navigates today’s post from the comfort of home.