Foreward: I apologize in advance for what’s coming. It kind of just happened in the first paragraph and then, well, you’ll see shortly.
1. Delta Platinum and Diamond medallions should make sure they’ve selected their Choice Benefits for the 2021 medallion year by the end of the day. (Confusingly, 2021 medallion year Choice Benefits are for status earned in 2020.) Tonight at midnight these choices turn into a pumpkin.
2. Check the dashboard of your American Express Green and Gold personal cards for an upgrade offer of 75,000 Membership Rewards after spending $6,000 in six months and +5x points for up to $15,000 in spend at supermarkets, gas stations, and restaurants. In case you do math like a pumpkin, that means 1x+5x, or 6x. (Thanks to bewhoaleavemealone)
3.Kroger.com has $10 off of $150 in Visa and Mastercard gift cards using code JAN2022 now through Wednesday. Unlike the physical US Bank cards that Kroger sells in store, these are Metabanks and are processed by Blackhawk Network, so liquidation is a bit tougher; you may have to resort to buying pumpkins for resale.
4. Kroger stores are running a 4x fuel points sale on gift cards starting Wednesday and running through February 8. Bulk gift card resale markets still look like a rotting pumpkin though, so while normally a 4x fuel points sale like this would depress the market value of Kroger fuel points, I don’t expect that to happen this time.
2. A follow-up from a week ago: my application for the US Bank Business Triple Cash card was approved with a ginormous credit line. How I’m going to play it: Hit the minimum spend to earn $500, lower all of my US Bank credit lines, then apply for three or four more of these before the offer goes away.
3.Rakuten’s card-linked cash back program has added BestBuy, Walmart, Gamestop, and Walgreens cash back at 5%, which blows the Staples 2.5% that we discussed in early December out of the water. Each of these stores sells one or more valuable gift cards, and each of them will let you buy those gift cards with a credit card (like perhaps an Amex that has an 99 employee card for 1.8 million points offer and a +4x offer attached?) Just don’t forget to link your cards to Rakuten and click “Link Offer” in your account.
The last time Rakuten had great partners with their card linked program it all went well for a while until they shut down a few accounts doing major volume in gift card purchases. So, add a kombucha, a banana, and a usb cable to your purchase to mask what you’re doing. At 5% cash-back, you can afford to treat yourself to America’s favorite fruit.
4. I think that Staples has had more weeks with a gift card sale going than weeks without one in 2021. Maybe next year I’ll post only if they’re not running a promo to save everyone time. That said, it isn’t next year yet, so… Staples is having a $200 fee-free sale on Visa gift cards issued by Metabank running through Saturday, limit five per transaction. (Thanks to GC Galore)
Liquidation? Try bill-pay services and try grocery stores that aren’t Kroger or Safeway/Albertsons; also, maybe look at the Western Union agent locator. Remember, the velociraptors in the documentary Jurassic Park found weaknesses in the electric fence that separated them from the money order terminals by probing. Be a velociraptor.
5. American Express has a 20% transfer bonus to Singapore Krisflyer, and Gary pointed out that this stacks with a promotion that Singapore Airlines is running through the end of February for Star Alliance Gold status. I’m calling this out because if you fly United a lot, and I mean a lot, and if you want to redeem a Singapore award for you and P2 (and maybe P3+) in the next couple of months you could get a ton of value because Star Alliance gold status through Singapore will get you into United Clubs when flying United Airlines (and a free checked bag, but if you’re flying United a lot then they’ve already lost your bag so you don’t have one to check, and you didn’t have to pay for them to lose it thanks to your status).
Just do this one on or after January 1 so that you’ve got effectively 25 months of club access (through February 2024).
The victory scene in Jurassic Park when the velociraptors successfully buy a money order.
1. There’s a coupon for $10 cash-back off of a $25 purchase at Walgreens in Google Pay. Clip it, link your credit cards to Google Pay in the mobile app, then go to Walgreens and use your linked card. Technically you can buy anything $25 or more to trigger the deal, but the provably correct choices are: (a) $25 worth of Peanut M&Ms, or (b) a $25 Steam gift card for resale. (thanks to DoC)
2. Reportedly, American Express is sending postal mailers for Business Platinum cards in the mail with a sign-up bonus of 190,000 Membership Rewards points. I haven’t heard of anyone receiving these mailers first-hand yet, but I have to assume that one of you has one or will get one shortly. Keep your eyes out!
3. The Citi Custom Cash card has had an in-branch $300 bonus after spending $1,000 for several months, but you can now get that online at Credit Karma of all places. This card is a souped up Chase Freedom or DiscoverIT card, you get 5x on up to $500 spend per month in whichever category you spend those most money on rather than worrying about rotating categories.
I have a Custom Cash card that I converted from an AT&T Access (less) card with a huge credit line. Too bad I can’t reallocate that credit line to another Citi card that I want to spend more than $500 / month on. It’s pure, unadulterated, wasted Citi credit capacity today.
4.Alaska Airlines has a buy-one-get-one (BOGO) plus taxes and fees (PTAF) sale running for bookings made today on travel between January 5th and March 9th using promo code STARBUCKS. It almost didn’t make the cut for this post because:
It ends right before Spring Break
It excludes travel on:
Mondays, Fridays, and Sundays on some routes
Saturdays, Sundays, and Mondays on some routes
Mondays, Thursdays, Fridays, and Sundays on the other routes
Sundays through Saturdays on dates between February 18 and February 28
Confused? I think they’re trying to make the BOGO-PTAF deal a BOGO-PTAF-PITA deal.
The “L” in “L Walker” stood for “less” in my case.
If you set your way-back machine to March 18, you’ll find a post about taking an upgrade offer from an American Express Personal Gold or Green card for 25,000 or 75,000 Membership Rewards after $2,000 in spend and another 10x at gas and grocery stores for up to $15,000 in spend, good for 183 days. I know a few of you took the upgrade offer like me, and I got two notes in April and May to let me know that the points from this deal never posted for you, also like me.
Now fast forward to September 2 when the first report came in that the bonuses and 10x rewards started posting. A few days after that, messages started coming from all over the place confirming both the bonus and 10x. I checked my account and with zero surprise, the points had posted. It took a while, but the offer eventually came in like it was supposed to. If you opened yours after March 18, you may still have a day or two left to squeeze that juice by the way.
Working It
It’s of course great news that bonuses started posting, but there’s more to the story: a couple of weeks ago, upgrade offers for another 25,000 Membership Rewards and another $15,000 on 10x spend started raining from the sky on Personal Green and Gold cards in the offers section of the dashboard. As far as I’ve been able to tell, almost all Personal Green and Gold cards have the offer provided the card account has been open for at least 12 months.
Can you see where I’m going with this? If you have a Platinum card that’s been open for at least 12 months, call American Express and downgrade it to a Gold or a Green card, wait about an hour, then check for an upgrade offer. You’ve got an excellent chance that one will appear and you’ll get another 25,000 Membership Rewards and another $15,000 in 10x capacity. Bananas, right? There’s a similar play on the Business side too. Just don’t do this on a Platinum that had a retention offer in the last 12 months to avoid angering AmEx. Also, it may only work once on the Personal side and once on then Business side per person.
Oh, the spend bonuses and 10x are posting in a few days on these offers — you won’t have to wait five and a half months to see them. Save that way-back machine for looking at the old Schwab 1.25 cent cash-out.
Looking through the American Express Platinum way-back machine.
Keep the following on your radar for the holiday weekend, but make sure you take some time to relax too (don’t forget that we’re starting busy season for reselling, gift cards or otherwise so save some energy for the points treadmill):
On a likely related note, Point has a new streak going for $30 back after making a purchase a day for five days in a row, provided those purchases add up to $200 or more. This is easily combined with the Target 10x or Nike 15x offer running at Point right now, so if you procrastinated on those you’re in luck! Max them out with a gift card for resale to bump you well over $200 in spend, then set up Debbit to make four more transactions of $1.00 at Amazon for the following four days.
If you don’t have Point.app, use a referral link because the normal sign-up bonus is $10, but with a referral it’s $100. There’s no credit check since it’s a debit card. If you need a referral ask a friend and make their day, but if you don’t know anyone with Point reach out to me and I’ll share mine.
If you do end up at a Best Western, my condolences. At least you’re not at a Marriott Courtyard.
3. When will the madness end? Starting Sunday, Staples will have fee-free $200 Visa Gift Cards, limit 5 per transaction. I may sit this one out, I’m very much running out of bonused office supply spend capacity and there isn’t a Staples near me. (thanks to kawnipi)
4.Kroger’s 4x fuel points when purchasing gift cards promotion starts today and runs through Monday evening. Rates on everything related to this promotion have crept up from the last round, so it’s a great time to knock out some grocery store spend and potentially earn money doing it.
Radar screen showing my local Kroger parking lot and gift card rack.
1. Check Office Depot or Office Max stores for $15 off of $300 in Visa Gift Cards between now and July 31, which will net you $1.10 or more on the purchase itself. Also, note that the “Everywhere” versions of these cards can be a bigger bang for your buck but will work at a smaller set of retailers. Finally, make sure you link your card with Dosh too. It’s not supposed to pay out on gift card purchases but almost always does anyway, netting you even more.
I’ve been waiting for this to appear for a while and I’m glad it finally showed up. I know where I’ll be visiting a few times a day each day this week. (Thanks to GC Galore)
1. If you sign up for a free Target RedCard debit card (no credit pull) by July 17, you’ll earn a $40 coupon off of a $40 purchase at Target. Is this deal churnable? I’m not sure yet. This pairs well with the NBA basketball cards that some of you are slinging. I haven’t touched the card resale market yet, but I know some are making five-figures before being banned by Target and spinning up a new account to start all over.
2.News has been trickling in about the Citi Custom Cash card for about a week. The latest developments are that you’ll soon be able to product change to this card from another card (for me, the AT&T Access card that I can’t convert to an AT&T Access More card no matter how hard I try), and now that Citi will give a $300 bonus after $1,000 spend through Thursday for opening the card in branch. The card is probably going to turn into a Miles Earn and Burn “Unsung Heroes” card in the future but we’ll need some real-life experience with it first. In theory it’s an easy-ish $300 cash back every year card with no-annual fee. Stay tuned.
3. Try this link or this link for a no-lifetime language American Express Business Platinum card with a 150,000 Membership Rewards sign up bonus after spending $15,000. Keep in mind that there are credible rumors that the annual fee on this card will jump to to $695 in July, so plan accordingly if the card is interesting to you. I would go for this card other than I’m already over the supposed American Express ten charge card limit with my eleven charge cards and I don’t want to push it any further because frankly American Express is just too valuable. I’ll be able to close some of them starting next month. Thanks to yt-nthr-rddtr for the links.
4.Cash.app is back with a 5% off offer for each online purchase at Sam’s Club from now until Thursday, limit $400 spend per day. I like these for getting Visa and Mastercard gift cards, just make sure you shop through a portal. Portals don’t always track gift card orders at Sam’s, but often they do. When the portals track, it makes this nice two-pointer layup deal more like a three-pointer deal. See how I can sportsball metaphor with the best of them?
Happy Wednesday! There are a couple of items worthy of your attention today:
1. You can score 7,500 American Express Membership Rewards points with the Rakuten portal by opening a Betterment Checking or Cash Reserve account and funding it with $1.00 or $10.00, respectively. In the grand scheme of things, this is a great offer for just transferring a buck and not worrying about it ever again. Or you can hang on to the account and use it for it’s world-wide ATM fee reimbursements.
2. Do you want a Southwest Companion pass with a single credit card? The 100,000 point Southwest Performance Business card is still kicking around, and that sign up bonus by itself will earn you a companion pass. Now that Southwest flies to Hawaii, Mexico, Costa Rica, and all over the Caribbean, I’m actually interested in it even though I don’t like flying Southwest (call me old fashioned because I like seat assignments and potential first class upgrades. I also like when we used to wear an onion around our belts, which was the style at the time). Combine this with yesterday’s green or black star Chase offers to bypass 5/24 if needed.
Illustrated: Why I don’t like flying Southwest very much.
