1. The three main Vanilla/Incomm gift card sites have fee-free Visa, Mastercard, and American Express gift cards:

    – VanillaGift.com fee-free through October 31 with promo code VGSHOP24
    – MasterCardGiftCard.com fee-free through October 31 SHOPEARLY21
    – TheGiftCardShop.com fee-free through October 28 with promo code CCHOLIDAY24

    American Express cards won’t earn points on these transactions, but no longer cash advance either. Let’s hope for another SHOPEARLY2021 debacle with one or more of these codes.
  2. American Express has increased offers on several business cards via referrals, with up to 40,000 points for the referrer and:

    – 200,000 Membership Rewards after $15,000 spend on the Business Gold
    – 250,000 Membership Rewards after $20,000 spend on the Business Platinum

    It’s ok for P1 to refer P2 and vice-versa, even if they share an address. To really play fast and loose, get the Business Gold, wait two statements, get a retention offer (hopefully), get some employee cards, the use the 120,000 Membership Rewards upgrade link which will hopefully still be around.
  3. Albertsons, Vons, Safeway, and other Just4U stores have 10x points on Zillions and Zift Zillions gift cards through Saturday night. If you wait to buy until Saturday and clip the 4x gift cards coupon, you’ll earn 12x and last time I checked, 12x > 10x. But also last time I checked, 10x + 4x = 14x, so there’s that.

    What’s a Zift? That’s a great question, I’m so glad you asked. I can only assume it’s a zebra themed British elevator.

Zift, prolly

For the sake of illustration, let’s hypothesize that there’s a bank in america that supports payments through several different methods. Let’s also assume that the bank’s IT is bad and unpredictable. (That’s crazy, right?) Given that, it’s not to hard to imagine that different payment methods lead to different results; For example, the hypothetical bank refuses release credit lines on one payment method for up to 10 business days, but only sometimes. Using another payment method though, the same hypothetical bank releases its credit line within a day or two. Succinctly:

  • The credit line isn’t released for up to 10 business days using payment method A
  • The credit line is released 1-2 business days later using payment method B

Let’s add a further rub to this real-life hypothetical scenario: Assume payment method B might earn 50%-75% less than payment method A.

What’s the right thing to do in this situation? Remember the velocity of money. If you’ve got the spend to effectively use freed credit line quickly, earning half as much but being able to do it three to four times more often is still the higher earning play, because 50% * 4x > 100% * 1x.

Even though A pays more than B, B might earn more than A. Now, we just need to figure out C, I guess, or maybe just figure out what MEAB is driveling on about this time?

Have a nice weekend friends!

Let’s not even start with how to play with this beauty.

  1. Alaska MileagePlan has upcoming changes in 2025:

    – Earn elite qualifying miles (EQMs) on award travel redemptions based on distance and ticket class, a minimum of 1 EQM per mile flown including partner redemptions
    – Earn 1 EQM per $3 spent on a co-brand credit card, up to $90,000 spend
    – Earn EQMs for mileage partners, especially the MileagePlan shopping portal
    – Milestone rewards like AA
    – Multi-partner award redemptions are coming this “winter”

    It’ll be relatively easy to earn MileagePlan status via manufactured spend next year, which when coupled with AA status, could make you a double oneworld Sapphire, capable of viewing the Double Rainbow.
  2. The speculation that Barclays would buy the GM credit card portfolio from Marcus Goldman Sachs has been confirmed, and cards will switch issuers in 2025.

    If you’re banned from Barlcays, getting a GM card may be a back-door way back in, but historically Barclays is tough on bans so I wouldn’t count on it.
  3. Do this now: Register for your targeted United Mileage Play offer. My offer was “Book and take a trip in a premium seat 2 times to earn 21,000 bonus miles.” My fine print says travel by December 13 and each ticket has to cost $500 before taxes and fees, so best case this is a +2x miles on spend deal.
  4. United has an economy award sale for travel to and from Taipei, Tokyo, Osaka, and Hong Kong at 35,000 miles in each direction for travel through February 25, 2025 booked by tonight, but only for Chase co-brand card holders. The regular saver price is 55,000 miles in each direction. (Thanks to DDG)
  5. American Express Offers has three more offers for hotel stays:

    – $100 back on $300+ at Radisson Blu or Cambria hotels through November 30
    – $100 back on $300+ at Small Luxury Hotels through December 31
    – $150 back on $650+ at The Hotel Collection properties through December 7

    The top two are gameable, the bottom one, probably not so much. How do you game these? As always, buying a gift card is the simplest way, but not the only way.

Happy Thursday!

Another important headline from around the US.

I’m not saying banks colluded to drop a bunch of card linked and spend offers on the same day, but banks colluded to drop a bunch of card linked and spend offers on the same day:

  1. The Citi Shop Your Way Rewards Mastercard, a phoenix that rose from the ashes of Sears, sent new mid-month spending offers for cumulative online spend:

    – 250,000 Shop Your Way Rewards points after $1,000+
    – 200,000 Shop Your Way Rewards points after $750+
    – $70 statement credit after $1,000+
    – $50 statement credit after $750+
    – $30 statement credit after $500+

    If your utility takes online payments, these will stack with those offers too. (Thanks to Ben, MS Ninja, Adam W, Jen T)
  2. Citi Merchant Offers has an offer for a 4% statement credit on up to $750 spend at Giftcards.com through November 10, two uses per card.

    In addition to Pathward Visa and Mastercards, giftcards.com sells lots of third party cards.
  3. American Express Offers has two gameable offers:

    – $150 off of $750 or more booked with Carnival Cruises
    – $150 off of $700 or more at Hawaiian Hyatt Hotels
    – $200 off of $1,000 or more at Fontainebleau Las Vegas

    Mahalo AmEx, and also stay classy. (Thanks to Shredder05)
  4. Chase Offers has 10% back on up to $570 in spend at IHG hotels through December 5.
  5. Chase Ultimate Rewards has a 40% transfer bonus to Virgin Atlantic Flying Club through November 30.

    This is an abnormally high bonus, but we know that Virgin is devaluing their award chart on October 30, so maybe this bonus won’t even make up for price changes?

Happy Wednesday!

Upcoming expose about boring bank stuff.

  1. Buying Apple gift cards with Membership Rewards has a targeted, boosted redemption rate of 94.12 points per dollar, which works out to a cash-out rate of ~1.062 cents per point.

    With Apple gift card resale rates hovering at nearly 92%, this gives you a Membership Rewards to cash conduit at 0.977 cents per point, which is useful if you’ve hit capacity on Schwab and business checking cashouts and don’t yet have the Morgan Stanley card. (Thanks to DoC)
  2. Kroger online has 5% off of fixed value “Visas or Mastercards” with promo code OCT2024. Of course Kroger.com hasn’t sold Mastercards since May, but even they don’t seem to have noticed. These will earn fuel points which makes the play potentially lucrative, but won’t code as grocery.

    These are Pathward gift cards.
  3. After registering here and then logging into the IHG Rewards mobile app, you’ll earn 500 bonus points, assuming you didn’t do the last iteration of this promotion.

    Yes, this is only worth about $2.50, but the hourly rate is still (maybe) over the line if you’ve already got the app downloaded. (Thanks to FM)
  4. The Capital One Spark Cash business credit card has a $750 sign-up bonus after $7,500 spend in three months and the $95 annual fee is waived for the first year. The card closed to new applications in 2021, but quietly reappeared recently.

    If you’ve got a miles earning Capital One card like the Venture X personal or business card, you can convert cash-back rewards to miles at a 1 penny to 1 mile ratio, and because this is a credit card and the Venture X is a charge card, you can hold both at the same time.

Happy Tuesday!

The alternate-alternate Apple cashout method.

  1. The Cardless Qatar Airways cards added a benefit for a rebate on the taxes and fees paid on a Qatar Airways award flight booking on Qatar metal, up to $300 in economy or $600 otherwise, per ticket. The benefit activates after $15,000 annual spend in the first year and $25,000 in following years.
  2. Meijer stores have 50,000 bonus points with the purchase of a $500 third party gift card through Saturday October 26, limit one per MPerks account, excluding Amazon.

    While Pepper has killed the market for third party gift cards bought at a 10% discount in some brands, others like BestBuy and Lululemon are largely unaffected given the purchase limits on the former with Pepper and the lack of those cards altogether on the latter.
  3. Publix stores have $10 off of $100 or more in Visa or Mastercard gift cards through Saturday, October 26 with digital coupon.

    These are Pathward gift cards. (Thanks to GCG)
  4. The Chase Sapphire Reserve, United Club card, and Ritz cards no longer offer primary rental car insurance to New York residents, where it now reverts to secondary insurance. They also exclude Israel, Jamaica, the Republic of Ireland, and Northern Island in the benefits guide.

    The US Bank Altitude Reserve doesn’t have this restriction and therefore wins New York, but does also restrict coverage in Israel, Jamaica, the Republic of Ireland, and Northern Ireland. The Venture X is similar, but doesn’t win New York because it’s Capital One.

The other semi-official way to win New York: Snap a picture of at least four different varieties of the same, slightly off, character.

  1. Staples has fee free $200 Visa gift cards starting Sunday and running for two weeks, limit nine per transaction. The two week promotional window is odd, normally when promotions are extended it’s because either (1) people pick up other profitable things when in store for the promotion, or (2) there’s not enough volume to exhaust the promotional budget in one week, so they extend. Neither feels like the right explanation though.

    These are Pathward gift cards.
  2. Giftcards.com has returned to major airline shopping portals. As of this writing, they’re all at 1x and cashbackmonitor.com hasn’t refreshed, but I expect both of these to change soon. Stack with Citi Merchant Offers for 4% back on spend on up to $750.
  3. Bilt Rewards has two new transfer partners, which solves the, err, mystery of why some travel bloggers were at a Bilt offsite earlier this week. I wonder who paid for the offsite? Anyhoodles:

    – Accor Hotels at a 3:2 ratio
    – TAP Air Portugal at a 1:1 ratio

    Accor Hotels partners with Citi and Capital One but with a worse 2:1 transfer ratio. Accor Hotel points are worth about 2.2 cents per point with fixed redemption values and are often a great deal in the European equivalents of Lubbock, TX. TAP Air Portugal is a Capital One transfer partner with the same ratio as Bilt.
  4. Giant, Giant Food Stores, Martin’s, Stop & Shop have 2x points on Visa gift cards through Thursday, limit $1,500 or $2,000 per account depending on store. (Thanks to his eminence, Stephen at GCG)
  5. American Express Membership Rewards has a 20% transfer bonus to AirFrance/KLM FlyingBlue through November 10. Sweet spots:

    – Promo awards, which are mostly economy
    – Business class to and from Europe
    – European short-haul
    – Delta domestic short-haul

    The sweet spots don’t mean transfer speculatively though, you can often find bonuses of up to 30% in multiple bank flexible currencies.

Europe’s versions of Lubbock, like Lübeck Germany, look slightly nicer than the American equivalent.

  1. The Citi AA Business card has a heightened sign-up bonus of 75,000 AAdvantage miles after $5,000 spend in three months. The $95 annual fee is waived for the first year too.

    You can pair this with the Citi AA Personal card’s 75,000 AAdvantage miles after $3,500 spend in four months which also has the annual fee waived for the first year, just space out the applications by eight days or one will be automatically denied.
  2. Hyatt and AA’s partnership is changing next year. The highlights:

    – No more reciprocal earning on paid flights or stays
    – Exchange AA miles for Hyatt certificates after several Loyalty Points thresholds
    – Choose Hyatt certificates as a Loyalty Point Reward at some thresholds (this is a bad value)
    – Exchange Hyatt Milestone Rewards for AA seat coupons or status
    – Hyatt elites can redeem points for “status for a day” with AA (this is also a bad value)

    We don’t know what the conversion rates look like yet for exchanging miles, but we do know what the redemptions for threshold rewards and status for a day look like, and they’re terrible. Don’t let the hype machine get you excited over this. UPDATE: Gary at VFTW let me know that we do know that redemptions for Category 1-4 certificates will start at 25,000 AA miles, and redemptions for Category 1-7 certificates will start at 65,000 AA miles.
  3. SAS Eurobonus has a tiered promotion for bonus award miles for travel on SkyTeam airlines through December 31 (registration required), provided the flights are paid for in cash and earn miles with SAS Eurobonus, or are Eurobonus redemptions. The tiers are based on your of SkyTeam operating carrier count:

    – 5 carriers: 10,000 bonus miles
    – 10 carriers: 100,000 bonus miles
    – 15 carriers: 1,000,000 bonus miles

    There are 21 (or 20 minus Aeroflot) SkyTeam carriers. I believe it’s possible to do this at an approximate cost of $75 per ticket if you’re very flexible and able to sandwich it in-between other flights you’ve already got on the books, putting the lower minimum cost at approximately $1,125. If you’re less flexible or don’t have additional travel that you can piggyback on, you’re probably looking at $5,000 in tickets to pull this off. The SAS Eurobonus chart is quite good on SAS metal to Europe at 50,000 miles in business, and it’s reasonable-ish for partner awards. One million miles would be worth 20 business class one-way flights on SAS metal, so there’s utility for gamers.
  4. Breeze Airways has 45% off of base fares with promo code FLYLOCAL for round-trip flights booked by tomorrow night with travel between October 22 and February 4, 2025.
  5. Alanis Morissette called and told me that one of the most valuable airline currencies, AirCanada Aeroplan, teamed up with one of the least valuable hotel currencies, Marriott Bonvoy. Under the partnership, you can match status between two programs:

    – Marriott Titanium or Ambassador elites can register for Aeroplan 25k status
    – Aeroplan 50k or higher elites can register for Marriott Gold status

    Status lasts through the end of the 2025 elite year. (Thanks to BuyerCompetitive6425)
  6. Amazon has refreshed links for a checkout discount when using a single reward point:

    – 30%-50% off with a US Bank card, up to $30-$50
    – 30%-50% off with an American Express card, up to $30-$50
    – 30% off with Discover, up to $30

    These work with most third party gift cards.

Happy Thursday!

Inspiration for the Marriott Bonvoy and AirCanada Aeroplan partnership.