Introduction

Typically I let the affiliate sites talk about how to do basic things like booking hotel rooms with points; after all those 14 credit card links don’t display themselves. Unfortunately though, the usual circles and arrows crowd have been derelict on the Accor front because (a) I don’t think most of them actually travel outside of the US and stay in non US hotel chains, (b) Accor ALL is somewhat non-trivial, and (c) something something affiliate revenue reasons. If you search google for “booking Accor with points”, you’ll find plenty of confused people too:

The responses to posts like the above are mostly useless too, again because (b) Accor ALL is somewhat non-trivial.

The Basics

Accor Hotels is basically like the European version of Marriott, but with lots more value and generally cleaner, nicer rooms. They also don’t loathe their customers which is a plus. Accor ALL points are worth a fixed 2 eurocents each, which is about 2.1 US cents with current exchange rates. With that out of the way, here’s what you need to know:

  • All points redemptions are in increments of 2,000 (€40)
  • Point redemption costs are exactly tied to the price of the room
  • You can use points for part or for all of your stay
  • The app and website won’t let you see points redemption options unless you already have at least 2,000 points in your account
  • Point redemptions work for room charges too
  • You can redeem with points during booking, during your stay, or during checkout
  • The front desk can do redemptions over the phone or in person with your ALL number
  • You can only pay with points online if there’s a prepaid rate available

Accor’s app and website often stop taking prepaid reservations in the last week of booking, but will still accept bookings that are paid at the hotel. When that happens, just reserve the cash rate and pay with points at the front desk during your stay. It’ll work out, it’s easy.

Getting Accor Points

Capital One miles and Citi ThankYou Points transfer to Accor ALL at a 2:1 ratio, and Bilt Rewards transfer at a 3:2 ratio. Citi occasionally has a 50% transfer bonus too, which is one of the few speculative transfer bonuses I take.

Good luck, and have a nice weekend!

Or there’s always the European Marriott experience if you don’t want to learn Accor.

The Pepper gift card reselling platform, the current mass market frontrunner in the race to move funds from venture capitalist bank accounts to your wallet, has a few newsworthy updates:

  • They got a loan last week, and they did the most Pepper thing possible when filing: The CEO’s name is spelled wrong. (This is probably a bridge loan, VC funding definitely doesn’t look like this)
  • Yesterday, they offered (with most of the cash back coming in a couple of weeks):
    • Unlimited Amazon gift cards at 25% off
    • Walmart gift cards at 24% off, up to $1,500 per account
    • HomeDepot gift cards at 22% off, up to $3,000 per account

I think it’s clear that Pepper is eating most of the cost on these offerings, which could lead you to a few conclusions:

  • They might be trying to pump sales in anticipation of funding hurdles and are fiscally fine
  • They might be trying to make payroll and are fiscally almost dead
  • They’re just benevolent and like giving away money, but they have plenty of it

One of those three is probably right. Make your risk/reward calculations accordingly. Since no one asked: I’ve been bringing down my Pepper float to smaller numbers gradually over the last couple of months, and I’m approaching zero but not there yet.

Finally, I want to add something to a common argument I hear about Pepper, which is “Who cares if I lose the $20,000 I have floated to Pepper right now? I made way more than that.” It’s a good point, but I’d like to offer that if you can catch the falling knife, you can make “way more than that” and still not lose $20,000.

Happy Thursday!

Live view of Pepper manufactured spenders.

  1. Do this now: Register for Best Western’s Q1 promotion for a $50 gift card after each two nights stayed, up to a whopping 2x$50.

    In what might be the lamest churn known to the community: You can book the Best Western Hollywood Plaza Inn for $76.80 with AAA or similar discounts, and 2*$76.80 =$153.60. That means you can churn $50 Best Western gift cards for only $153.60, and get two nights in a hotel that probably won’t kill you and two elite night credits too.
  2. Kroger stores have a 4x fuel points promotion on third party gift cards other than Amazon, and on fixed value Visa and Mastercards through February 18.

    Pepper: (1) is still alive, (2) maybe got a bridge loan, and (3) continues to kill the bulk resale market for everything but BestBuy and lululemon.
  3. Meijer MPerks has 50,000 MPerks Points with the purchase of most $500 third party gift cards including BestBuy and Apple through February 15, limit 50,000 points per account.

    Marrying MPerks and buyer’s groups are an occasionally profitable way to cash out mPerks Points on something other than paper towels. (Thanks to GCA)
  4. Southwest will extend their schedule tomorrow morning for flights between October 2 and November 1. Southwest expert Brian M predicts that flights around this window are highly likely to have substantial schedule changes, so gamers will game (but only starting tomorrow).
  5. Turkish Airlines has two February promotions:

    – 50% rebate on mileage bookings in all cabins for two passengers traveling by February 23
    – 15% off of paid flights for card holders with code USCARD15 booked this month for travel by the end of April

    If you don’t already have the credit card, it’s probably not worth your time, just get a Citi Double Cash and Strata Premier instead for much better earning, especially when paired with a Rewards+ for its 10% redemption rebate.
  6. FlyingBlue’s February promo rewards include the following US cities for travel through July 31:

    – New York
    – Denver
    – Houston
    – Raleigh/Durham
    – Boston

    Prices are 18,500 miles in economy with good availability, or 60,000 miles in business with better than normal (but still not good) availability.

Happy Wednesday!

Best Western Hollywood Plaza warning: The Front desk doesn’t know random facts about an airport over 15 miles from the property. Imagine!

  1. The Chase Southwest Plus, Priority, and Premier cards currently have a bonus only available via referrals through March 25 for:

    – 30,000 Rapid Rewards Points
    – A Companion Pass good through February 2026

    As usual for any offer, use another player’s referral or one from a friend and make their day.
  2. The Citi Shop Your Way Rewards Mastercard sent its beginning of the month bonus offers. We’ve seen:

    – Spend $800+ at home improvement, get 10% back up to $100 monthly for three months
    – Spend $1,000+ at home improvement, get 15% back up to $175 back monthly for three months
    – Spend $1,000+ at home improvement, get 175,000 Shop Your Way Rewards points monthly for three months
    – Spend $1,000+ anywhere, get 100,000 Shop Your Way Rewards points through March 31

    (Thanks to Dave, Matt, and Cashback Cowgirl)
  3. Staples stores have fee-free gift $200 Visa gift cards through Saturday, limit nine per transaction. Why nine? I don’t know, but at least they’ve held that line for all of 2025 (as opposed to 2024 when the limit seemed to have been the result of a random dice roll).

    These are Pathward gift cards.
  4. Chase Ultimate Rewards has a 30% transfer bonus to Virgin Atlantic through February 17. Virgin Atlantic’s own metal awards recently have great availability, but they also have variable pricing. Finding space isn’t typically the issue; rather the issue is finding space that’s cheap enough for your taste.
  5. Avianca LifeMiles has a 15% transfer bonus from American Express Membership Rewards through the end of the month, the bonus will be awarded by Avianca within 24 hours of the transfer, making it a somewhat speculative play.
  6. If you travel in paid premium cabins from BOS, LAX, SNA, BUR, ONT, LGB, JFK, LGA, EWR, or HPN (lol), check this link for a targeted offer for Delta ecredits. (Thanks to Ok-Anywhere6998)

Happy Tuesday!

Pictured: Delta plane holding on the runway at HPN.

Let’s discuss a fictitious small town, Lubbockito USA, and use it to illustrate a point:

There are six restaurants in Lubbockito:

  • Subway
  • SideShowSubs #233
  • McDonalds
  • Burger King
  • Carls Jr
  • Rob’s Special Burger

Let’s say you’re a restauranteur and want to bring Lubbockito a new option, hoping to cash in on the Lubbockitizen’s wallet share. There are two right answers for what new restaurant to open:

  1. A sub or a burger joint, because that’s obviously working and people seem to like those
  2. Anything other than a sub or burger joint, because that “obviously working” market is well done

In churning, there are parallels for credit cards, bank accounts, bonuses, loyalty programs, and plenty more. If you find yourself uninspired with the Chase Banks, Walmarts, Wells Fargos, and Hyatts of your world, take a look at the options that you aren’t hitting. There’s plenty there.

Happy Monday!

Did you know? Rob’s serves hotdog shaped cheeseburgers in Lubbockito.

EDITOR’S NOTE: Some of the smartest members of the community have stepped up with guest posts during the holiday break in 2024 and now on Saturdays in early 2025. Special thanks to today’s author who needs no introduction for following up on the Early Warning Service warning (under duress). Have a nice weekend!

Everyone loved my Early Warning System (EWS) post last year, and by everyone I mean at least 2-3 people, so Matt asked me to post a bit more on the topic. I said no, but he threatened that he’d force me to load more money into Juno if I didn’t so here comes my update.

Image of the conversation of MEAB threatening me

You’re thinking to yourself “SideShowBob233 what else do you have to add here” (and this time you didn’t say the 33 out loud but kind of trailed off like someone who just got his Pepper account locked by buying too much Best Buy). Well, I will tell you. In the most rambling way possible.

I advised everyone to use a business account if at all possible, but it turns out not all business accounts are excluded from EWS reporting. Several victims reached out to me to let me know that BOA biz checking for sole proprietors does report to EWS. I don’t know if that applies to all sole proprietors or only some (I don’t have a sole proprietor account at BOA because the voices told me not to). It’s possible that other banks also report biz checking for sole proprietors, feel free to reach out on Telegram, WhatsApp, passenger pigeon, or via telepathy to send me your DPs.

But Bob you’re saying (maybe you’re getting a little too familiar with me considering we only met once and that was in a dream, albeit one where there were no clothes) why should I care if all my transfers are tracked by EWS? Who really cares? Well I’ll tell you who cares. Your mom. Also bank compliance officers (which may or may not include your mom, I haven’t tracked her career since we broke up) who when they get nervous about shenanigans we just pulled will then grab your EWS report to try and get more info on you. If they can’t find much information they may still shut you down, but if they get a 500 page report showing tons of money going everywhere you can bet they will be shutting you down faster than you can yell for your mommy.

To summarize, don’t step on a rake, instead use a business checking that does not report to EWS.

– SideShowBob233

Your punishment for not listening to me last year.

  1. American Express has a targeted link for 20,000 bonus points for turning on Pay Over Time. After enrolling, set a reminder in your phone to turn it back off in 121 days to be ready for the next round.

    If you get the bonus offer on multiple charge cards, consider activating them in separate tabs as close together as possible because reasons.
  2. The Chase United Business cards have increased bonuses:

    – Business: 100,000 points after $5,000 spend in three months
    – Club Business: 75,000 points + 1,000 PQP after $5,000 spend in three months

    I’d choose an Ink Preferred card over these unless you’re chasing status or want United Club access, because where else can you get unlimited cheap cheese cubes under a sneeze guard?
  3. Wyndham has a points sale running through February 16 for 0.8125 cents per point after bonus. You’re still unfortunately limited to buying 100,000 points per calendar year on these, but if you have the right booking it can be effectively 50%+ off of the cash rate, especially with hidden value in the Vacasa program. (Thanks to lenin1991)
  4. American Express offers has an offer for $150 off of $1,000+ at Emirates through April 30. In theory, the flights have to originate in the US too.

    Yes gamers gonna game, but Emirates First award fees for US originating flights tend to be slightly over $1,000 so luxers gonna luxe too.
  5. Pepper had sales for gift cards yesterday with 25x at Southwest, 22x at Delta, 22x at Sam’s Club or Walmart, 18x at Home Depot, and 20x at Amazon.

    If you’re not already neck deep in the Pepper in the game I think now is a terrible time to jump in, but if you want to take advantage of those deals at small scale, I’d suggest reaching out to the other churners in the community to buy some inventory at a couple of percentage points above those rates. You’ll probably find plenty of sellers and won’t need to worry about Pepper risk.

Have a nice weekend!

More luxing it up, shut-in weekend style.

Last minute update: The AA5342 collision with a helicopter hits hard, condolences to all and forgive today’s jovial tone, it was written before the accident.

  1. Do this now: Register for IHG’s Q1 targeted promotion for a bonus elite night for all nights stayed, up to 10 bonus elite nights through April 28. If the site asks, the promotion code is 63666.
  2. Do this now: Register for Best Western Q1 promotion for 2,000 bonus points per night, up to a total of 20,000 points through May 11.
  3. Kroger has a promotion for 4x fuel points on third party gift cards and fixed value Visa and Mastercard gift cards excluding Amazon on Friday only.

    Thanks to Pepper, the brands that work for a reseller are largely limited to BestBuy and Lululemon.
  4. Rakuten in-store’s card linked program has two new promotions:

    – 1% bonus or 1x Membership Rewards at Food Lion stores
    – 1% bonus or 1x Membership Rewards at Stop & Stop stores

    Both are good through March 31, both require re-adding the offer an hour after its first use to continue using, and both have a bonus cap of $10 or 1,000 Membership Rewards per transaction. Fortunately, we’ve developed the technology to run transactions back-to-back though.

Happy Thursday!

What is this, and is it good? I’m not sure, but it’s slightly more interesting than the new JetBlue card.