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Three Radisson Rewards 100K Winners!

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Radisson Blu Aqua Hotel, Chicago

Three winners have been selected for the Radisson Rewards giveaway that we announced last week.  Each will receive 100,000 points!

I’ve emailed all three winners, and two have already responded with their Radisson Rewards numbers.  Hopefully the 3rd will reply within 24 hours of my email.  If not, I’ll pick a new winner (I imagine most readers are hoping for this option!)

Winners were picked randomly, but for those curious, here were the winning entries in response to the question asking how they would use the 100K points if selected:

  1. GO ON A TRIP for sure
  2. Go back to the awesome Radisson Blu Royal Viking hotel in Stockholm
  3. Book a hotel

Congratulations to the winners!

The post Three Radisson Rewards 100K Winners! appeared first on Frequent Miler.


Easy miles: 60K AA after 1 purchase w/ Aviator Red

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Those who like to pick low-hanging fruit will be happy to see the return of a great offer on the AAdvantage® Aviator Red World Elite MasterCard®: now get 60,000 American Airlines miles after first purchase and payment of the $95 annual fee. That’s a great trade if you’re after AA miles.

The Offer

Card Details

  • $95 Annual fee charged on 1st statement
  • Earn 2X on American Airlines
  • Earn 1X everywhere else
  • First checked bag free
  • Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation
  • 10% rebate on AA awards (up to 10K per year)
  • Reduced mileage awards
  • 25% off in-flight purchases
  • From the terms: This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings).

Quick Thoughts

This is a very solid offer if you have a good use for American Airlines miles. Keep in mind that AA miles are not terribly useful for domestic travel unless you plan at the last minute.

However, AA miles can be very useful for some partner redemptions. Sixty thousand miles is enough for one-way business class to South America, Japan, or Europe (though watch out for exorbitant fees on British Airways). It’s not far off of from enough to fly to the Middle East or Indian subcontinent in business class either. Getting that many miles with just a single purchase is a pretty tough deal to beat if you can find availability on AA partners.

I recently flew Cathay Pacific business class from New York to Shanghai for 70K miles. It would have been 60K to connect from Hong Kong to Japan instead of Shanghai. I imagine Japan Airlines is probably a better experience (I haven’t yet flown their long-haul business class), but Cathay wasn’t bad when you consider the ability to pick up that one-way for the cost of a single purchase an one annual fee.

One thing that is a little unclear to me from the terms is where it states that “you may not be eligible for this offer if you currently have or previously had an account with us in this program”. I would take that to mean that you may not be eligible if you already have a personal Aviator card open. Or do they mean one AAdvantage account per person? The business version is currently offering 50K after first purchase. Can you have both cards? I’m not sure. If anyone has recently opened the business version and already had the personal, let us know in the comments.

As always, we have added this offer to our Best Credit Card Offers page.

H/T: Doctor of Credit

The post Easy miles: 60K AA after 1 purchase w/ Aviator Red appeared first on Frequent Miler.

A new era for Amex Offers

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It used to be possible to load Amex Offers like this one to many different Amex cards. I would then bring those Amex cards to Lowe’s to buy Amazon gift cards in order to get 20% back for the purchase (by spending exactly $50 on each Amex card). A new strategy is needed today.

You were never supposed to be able to load the same Amex Offer to multiple cards in the same person’s name, but for years we’ve been able to do so either by creating separate log-ins for each card, or by doing the “multi-tab trick” where you would open multiple tabs in the same browser and load each tab with a different card’s Amex Offers before loading the offers one at a time to each card.

I think it may have been Doctor of Credit that first covered the news early in July that the separate log-in approach had stopped working in cases where each card shared the same person’s name and SSN.

Next, a couple of days ago, several blogs reported the death of the multi-tab trick.  Nick followed up with “Not totally dead: Some Amex Offers still loadable to multiple cards.”  It seems that Amex has coded things so that the multi-tab trick doesn’t work with new offers, but it continues to work with old offers… mostly.  In a follow-up post (Amex Offers multi-tab trick still not dead, but deader than before), I showed that some older offers are still working, but others are not.  I also looked into the theory that the terms & conditions are the key to understanding this.  Unfortunately, I found inconsistent results there too.

There may still be a few loopholes for loading offers to multiple cards in your name (try loading an offer via the mobile app to one card, while loading it to another card via desktop, while standing on your head and singing “I’m a little teapot”), but I think it’s likely that going forward this particular game is over.

What’s Left?

Fortunately, there are still options available for getting the same offer onto multiple cards:

  1. Multiple different authorized users
  2. Variations of the same offer

Multiple different authorized users

Most Amex cards offer the option to add authorized users for free.  Each AU (authorized user) gets their own card number and their own set of Amex Offers.  So, if you have a primary account with 4 authorized users, it is possible to load the same offer to all 5 cards.  This is true as long as each authorized user is a different person.

Note that while it’s possible to get multiple authorized user cards for the same person from the same primary account, that’s no longer helpful with respect to using Amex Offers.  For example, my wife has previously added me multiple times as an authorized user to one of her cards.  That can still be helpful when you get a targeted offer for bonus points for adding AUs, but it’s no longer useful with Amex Offers.

When adding authorized users, Amex now requires their social security number.  As a result, authorized user consumer cards will show up on the AU’s credit report.  This can be good or bad depending upon the situation (see this post for details), so make sure to get permission before adding anyone as an AU.

The best option when adding authorized users, in my opinion, is to add them to your Amex business cards.  Amex business cards, including AU cards, are not reported to the credit bureaus.  They won’t affect the AU’s credit in any way, and won’t hurt their 5/24 count when applying for Chase cards.

Caution: When adding offers to an AU card, you may be taking those offers away from that person’s own primary Amex accounts.  This approach is best when the other person either doesn’t have Amex cards of their own or is not interested in Amex Offers.  (Thanks to “Florida Person” in the comments for pointing out this issue).

Variations of the same offer

Often, offers have multiple variations.  In each of these cases, each variation of the offer can be loaded:

Membership Rewards vs. Cash Back:

Similar But Different Rebates:

Having multiple types of Amex cards is still useful

In the now slightly outdated post “Awesome Amex Offers and how to get them,” I detailed how to increase your chances of getting the best targeted Amex Offers.  I recommended the following:

  1. Get every type of Amex card (e.g. consumer, business, credit card, charge card, etc.)
  2. Get more Amex cards
  3. Enroll in Amex Offers quickly
  4. Consider creating separate online accounts for each card

I still recommend items 1 to 3, above, but the details of my recommendations are now a bit different…

1. Get every type of Amex card

Amex treats consumer cards and small business cards very differently. They also treat cards that earn Membership Rewards points differently from those that earn other types of rewards. Frequently, offers are available for one type, but not another.

Fortunately, there are no-annual-fee options in each of these categories:

Note that Amex limits cardholders to 5 primary credit card accounts. Charge cards (such as Amex Platinum cardsPremier Rewards GoldBusiness Gold Rewards, etc.) are not similarly restricted, but I believe they all have annual fees.

2. Get more Amex cards (via authorized users)

Suppose you have permission from four family members to add them as AUs to your Amex cards.  In that case, it would be possible to load the exact same offer to up to 5 cards (assuming all 5 cards were targeted with that offer).  And when there are multiple variations on the same offer (such as one for membership rewards points and one for cash back), you could add the offer to up to 10 cards.   That’s pretty good!

3. Enroll in Amex Offers quickly

The best Amex Offers have limited enrollment. If you don’t add the offers to your account in time, you may lose out. These offers can appear at any time, so your best bet is to check your account daily and/or subscribe to blogs like this one so that you’ll be alerted when desirable new offers have been spotted.

You can also subscribe to the comments on our Current Amex Offers Page.  When we find new offers, we add a comment to this page saying so.

Moving On

Part of me is actually relieved by the latest developments.  I currently have 17 Amex cards showing up in my online account (mostly AU cards).  As a result, the multi-tab trick has been a huge pain in the butt. I’ve had to duplicate the first tab 16 times before loading offers one tab at a time.  And I had to keep track of which cards had which offers.  And when trying to use these offers, I had to keep very careful track of which ones had already been used and which had not.  I also didn’t relish facing the line that formed behind me at Lowe’s when buying $500 gift cards by splitting the charge across 10 different Amex cards.

Going forward, Amex Offers will still be lucrative, but less than before.  And there’s a consolation: our brain’s won’t explode.  For more on keeping brains un-exploded, see: How to prevent your brain from exploding.

The post A new era for Amex Offers appeared first on Frequent Miler.

105K + $50 IHG Premier offer

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The Chase IHG Rewards Club Premier card is offering an increased new cardmember bonus of up to 105,000 IHG Rewards Club points after making $3,000 in purchases in the first 3 months — plus you can get a $50 statement credit after first purchase. That’s the highest we’ve ever seen on an IHG credit card, which makes it worth a look if you’re after IHG points.

 

The Deal

  • Earn 100,000 bonus points after spending $3,000 in the first 3 months with the IHG Rewards Club Premier credit card plus earn 5,000 points after you add an authorized user and make your first purchase within 3 months plus$50 statement credit after first purchase
  • Find more information and a direct link on our IHG Rewards Club Premier page

Key Card Details

  • $89 annual fee
  • Earn 10x at IHG hotels
  • Earn 2x at gas stations, grocery stores, and restaurants
  • Earn 1x everywhere else
  • Automatic Platinum status
  • Free night annually at any hotel that costs up to 40,000 IHG points per night
  • Fourth night free when you redeem points for a stay of 4 or more nights
  • Save 20% on points purchases
  • Earn 10,000 bonus points after you spend $20,000 and make one additional purchase each cardmember year

Quick Thoughts

Fortunately for those interested, this card is not (thus far) subject to 5/24, making it available even if you have opened a number of cards in the past couple of years (though keep in mind that Chase shutdowns have increased this year).

If you’re after IHG points, this is a decent windfall. Since you can often buy IHG points for around half a cent each, the bonus is “worth” somewhere around $500 — though you can certainly use the points toward much more valuable redemptions in the right situations. It is possible to get as many as 26 free nights out of this bonus if you were to spend all of them at (one of the few) 5,000-poiint options from the PointBreaks and do all of those stays in 4-night incremembers where the 4th night is free.. On the other hand, you won’t get 2 nights at a top-tier property, as those now cost 70K per night.

Speaking of top-tier, this card comes with an annual free night that is not valid at top tier properties, either. That said, it is valid at any hotel that costs up to 40,000 points per night, giving you plenty of opportunity still for that benefit to offer more value than the $89 cost of the annual fee. Those who often make award stays in 4-night increments can take advantage of the 4th night free on award stays. finally, if you spend a lot at IHG hotels, the 10 points per dollar earned at IHG properties is a decent enough deal to make it worthwhile (though I’d personally prefer 3 Ultimate Rewards points per dollar with the Sapphire Reserve).

Overall, this one might be worth it if you need IHG points and it’s not a bad deal in ongoing years if you know you’ll use the 40K night for a good value.

H/T: Doctor of Credit

The post 105K + $50 IHG Premier offer appeared first on Frequent Miler.

Up to 450K on the table and a short window of opportunity with Marriott & SPG

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When I published “Navigating Marriott’s Byzantine Credit Card Rules,” a week ago, I had resigned myself to the fact that I wouldn’t be able to get the new SPG Luxury card and its expected 125K welcome bonus because I already had the Ritz card.  The new rules that begin on August 26th mean that I can’t qualify for the SPG Luxury Card bonus without getting rid of my Ritz card and then waiting 31 days before applying.

Then, surprisingly, we got word that the SPG Luxury Card would be available starting August 23rdApparently we will have a 3 day window to apply for the card in order to qualify for the welcome bonus even if we have the Ritz card and/or recently opened a Marriott Rewards card and/or received a Marriott Rewards card welcome bonus within the last 24 months.  All of those things will disqualify us from the SPG Lux welcome bonus beginning August 26th.

As a reminder, here are the new welcome bonus rules that take effect on August 26th:

The above rules that limit welcome bonus between Chase and Amex cards begins August 26th.

Up to 450K on the table

Thanks to the Marriott and SPG loyalty program merger, both Marriott and SPG credit cards now earn the same types of rewards points (think of them all as Marriott rewards points).  There are four different cards with signup bonuses available today, at a fifth one (the SPG Luxury Card) expected on August 23rd (click the links for more info about each card):

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Legally, it's fine. And, anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Window of Opportunity

On August 26th, due to the new welcome bonus rules, it will suddenly become very difficult to qualify for bonuses for many of these cards.  Until then, it is theoretically possible to qualify for the welcome bonuses for up to four of these cards.  It would be very difficult to qualify for all 5 before August 26th because Amex has an unwritten rule in which they don’t allow more than 2 credit card signups in 90 days.

It is theoretically possible to get all 5 bonuses, though.  A person with good credit and a side-business, who has not signed up for any of these cards before, should be able to qualify for the SPG Luxury Card, SPG Business Card, and both Marriott cards before August 26th.  Then, sometime later, they could cancel both Marriott cards, wait 31 days, and sign up for the SPG consumer card if it is still available (we don’t know if the SPG consumer card will be available to new applicants long term).

Most readers, I suspect, cannot qualify for so many cards.  Here’s a guide to help you figure out what you can qualify for…

Which Chase cards are you eligible for?

Chase enforces several rules which may make you ineligible for the Marriott Rewards Premier Plus or the Marriott Rewards Premier Business Plus:

24 Month Rule: In general, you cannot get a welcome bonus for same Chase card again until you’ve closed the old card and 24 months have passed since you last received a welcome bonus.  The rule is implemented slightly differently between the consumer and business card, though:

  • Premier Plus: “The product is not available to either: (1) current cardmembers of the Marriott Rewards® Premier or Marriott Rewards® Premier Plus credit card, or (2) previous cardmembers of the Marriott Rewards Premier or Marriott Rewards Premier Plus credit card who received a new cardmember bonus within the last 24 months.
  • Premier Business Plus: “The bonus is not available to you if you: (1) are a current cardmember of this business credit card; (2) were a previous cardmember of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months.”

It’s interesting that the current rules for the Premier Plus ban you from getting the card at all if you’ve received the bonus in the past 24 months, whereas the business card rules let you get the card, but not the bonus.  In the new rules that take effect August 26th, both cards will be obtainable, you just won’t get the welcome bonus if you don’t meet the new rules.

5/24 Rule: If you’ve opened 5 or more cards, with any bank, in the past 24 months you’re probably not going to get approved for the Premier Plus.  Fortunately, Chase has not been enforcing the 5/24 rule with the Premier Business Plus.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Iberia, Aer Lingus, Marriott Business, and Ritz Carlton.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status.

Eligibility Summary by Card:

  • Premier Plus: You’re eligible if you meet all of the following criteria:
    • You don’t currently have this card; and
    • You don’t currently have the Marriott Rewards Premier card; and
    • If you ever received a bonus for this card or the Marriott Rewards Premier card, it has been more than 24 months ago; and
    • You are under 5/24
  • Premier Business Plus: You’re eligible if you meet all of the following criteria:
    • You don’t currently have this card; and
    • If you ever received a bonus for this card or the Marriott Rewards Premier card, it has been more than 24 months ago; and
    • You have a business

Which Amex cards are you eligible for?

Amex enforces several rules which may make you ineligible for the SPG, SPG Business, or SPG Luxury Card:

Lifetime Welcome Bonus Rule: Most Amex welcome offers state that you are eligible for the bonus only if you’ve never had the same card before. Fortunately, some have reported that Amex seems to “forget” that you’ve had a card before if it has been many years since you closed the account (~7 years is a good guess).

Max 5 Amex Credit Cards: When applying for a new card, you won’t be approved if you currently have 5 or more Amex credit cards. Amex charge cards are not part of this count.  Consumer and business credit cards are added together for this purpose.  SPG cards are all credit cards.  To determine whether your Amex cards are credit cards or charge cards, find each card on our Best Offers page and look for “Card Type: Amex Credit Card” or “Card Type: Amex Charge Card”.

5 / 90 Rule: Usually Amex enforces a limit of 1 credit card approval per 5 days and 2 in 90 days.  There is no known limit for charge cards.  Despite the 5 day part of the rule, it is possible to get 2 credit cards in 1 day when both are instantly approved.

Recommended Strategy

  1. Review the above rules to figure out which cards you may be eligible for.
  2. If you plan to sign up for both Chase and Amex cards, go for the Chase cards first since Chase can be tougher on approvals than Amex
  3. If you plan to sign up for any Amex cards, count how many Amex credit cards you currently have (don’t count authorized user cards). If you have more than 4, then cancel one or more cards so that the new cards that you intend to get won’t take you over 5.
  4. If you plan to sign up for the SPG Luxury Card, set a calendar reminder for August 23rd or 24th to do so.
  5. If you plan to sign up for the SPG Luxury Card and another SPG card, consider signing up for the other one by August 17th.  Amex sometimes will only approve 1 credit card per 5 days, so this will give you some buffer before applying for the Luxury Card.  Note however that we do not know what the welcome bonus rules will be for the Luxury card.  While it’s not likely, it’s possible that signing up for the SPG consumer card before signing up for the Luxury card would make you ineligible for the Luxury card bonus.  If the SPG Luxury card bonus is especially important to you, then wait to sign up for the regular SPG card until after you sign up and are approved for the Luxury card.  If you are auto-approved for both, then you’ll bypass the 1 card per 5 day limit.  If not, you’ll have only given up the SPG consumer bonus (75K) not the SPG Luxury bonus (expected 125K).

My Plan

I currently have open both the Marriott Rewards Premier and Marriott Rewards Premier Business cards.  Since it has been over 24 months since I received welcome bonuses on these cards, I could theoretically cancel both and wait about a week before applying again.  The consumer card, though, is subject to Chase 5/24 rules and I’m way over 5/24.  The business card is not currently subject to 5/24 rules, but honestly I have no interest in gambling with Chase over a 75K Marriott Rewards welcome bonus (see: Why Chase shutdowns have increased and how to avoid them).  No, I won’t =bother with either of the Chase cards.

On the SPG side, I don’t currently have either card, but I’ve had both the consumer and business SPG cards within the past few years.  As a result, I don’t expect to qualify for the welcome bonus for either one (due to Amex’s standard rule: you can’t get the welcome bonus if you’ve ever had the card before).  On the other hand, now that the Amex application process checks your eligibility for the bonus, there’s little risk in my trying.  But I won’t even consider trying one of these until after going for the Lux card…

The SPG Luxury card is the only card of the bunch that I can likely qualify for.  To get it, though, I’ll need to cancel an Amex credit card first.  I currently have 5 Amex credit cards: Delta consumer, Delta business, Blue Business Plus, Amex Everday, and an old Blue Cash card.  I won’t cancel either Delta card since I use those to manufacture top tier status.  And I certainly won’t close the Blue Business Plus card because it is awesome.  I rarely use the Amex Everyday card or the old Blue Cash card, so I’ll close one of those, probably the latter.

After cutting down to four Amex credit cards, I’ll apply for the SPG Luxury card once it becomes available on August 23rd.  Most likely, I’ll meet minimum spend either by paying estimated Federal Taxes (due by September 17th) or via Kiva Loans.  My wife and I stay at Marriott properties pretty often so I’m sure we won’t have any trouble earning the card’s $300 in rebates.

If I had fewer Amex credit cards, I would try applying for the SPG personal or business cards after getting approved for the Luxury card.  Even though I’m not technically qualified for either welcome bonus, I’d be curious to see if Amex’s computers are aware of this.  But, I don’t think this is likely enough to work to be worth cancelling another credit card in advance.

My wife is in a similar situation to me.  She has both Chase Marriott cards and so is not currently eligible for either.  She has both the SPG consumer and SPG business card currently open.  She also has three other Amex credit cards open (Delta consumer, Delta business, and Blue Business Plus).

Unlike me, she does not have the Ritz card, so she is eligible for the SPG Luxury card even after August 26th.  Even though she has the Chase Marriott cards, it has been more than 24 months since she received the welcome bonus on either one, so those cards won’t disqualify her under the new rules.  So, with her account, we have plenty of time.  Most likely we’ll cancel her consumer SPG card before applying for the SPG Luxury card, but when?

The annual fee for my wife’s SPG cards should appear on her next statement which will be cut about two weeks from now.  Then, she should get her annual free night certificate (up to 35K) within the next 8 weeks.  It appears to be timed such that it will be past the window of opportunity to cancel the card to get back the annual fee.  That’s OK.  I’m sure that we can get more than $95 worth of value from the 35K free night certificate.  So, our plan is as follows: we’ll wait until the certificate appears, then cancel her SPG card, and then apply for the Luxury card.

What will you do?  Comment below.

The post Up to 450K on the table and a short window of opportunity with Marriott & SPG appeared first on Frequent Miler.

Membership Rewards to add Aer Lingus as a transfer partner

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British Airways, Iberia, and Aer Lingus “share” the currency called Avios, though each program has its own award chart and loyalty program. It has long been theoretically possible to move Avios between your accounts in each of the three programs (British Airways Executive Club, Iberia Plus, and Aer Lingus AerClub), but many people have had difficulty in doing so. Later this month, it will get a little easier to accumulate Aer Lingus Avios since they are going to become a direct transfer partner of American Express Membership Rewards at a 1:1 ratio.

Aer Lingus business class

The Deal

  • Aer Lingus will become an American Express Membership Rewards transfer partner at the end of August 2018 in the US (and by the end of the year in the UK)
  • Points will transfer to Aer Lingus Avios at a rate of 1:1

Quick Thoughts

This is only a mildly exciting development, through I’m a fan of “easier”, so I guess we can call this a net win. In my opinion, the funniest thing was that the press release highlights the fact that Aer Lingus is the newest Membership Rewards airline partner “since Etihad Guest was launched in 2016”. Since you could already transfer from Membership Rewards to either British Airways or Iberia Avios and (at least theoretically) transfer from one of those accounts to Aer Lingus, it doesn’t necessarily feel like a “new” airline partner.

That said, this will save members time and frustration, and for that we can all be (at least a little) thankful. On the other hand, the Aer Lingus award chart doesn’t have anything that stands out as a notable value, though maybe if you are on a paid flight for work and you want to upgrade or you need to top off an account it will be convenient to be able to do so via Membership Rewards.

Overall, this isn’t terribly exciting, but it’s worth being aware in case it becomes useful in the future. We have added Aer Lingus to our list of Amex Transfer Partners.

The post Membership Rewards to add Aer Lingus as a transfer partner appeared first on Frequent Miler.

Over 700K and slowing down. Should Ben go for 125K more?

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When we last checked in on our “informed newbie”, Ben had pulled in over 600,000 points through signup bonuses in a 9 month span.  And, even though he had signed up for 10 cards in that time-frame, he was still under 5/24 thanks to his focus on business cards (which are not typically reported to the credit bureaus).  Please see my prior post for full details: Over 600,000 points and well under 5/24.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Iberia, Aer Lingus, Marriott Business, and Ritz Carlton.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status.

Since that last post, Ben has picked up two more cards:

  • Chase IHG Rewards Club Select Credit Card: This card is no longer available, but Ben pulled down 65K points plus a $50 statement credit before the application disappeared.  He reports having been influenced to apply by this Frequent Miler post: Last call for $49 IHG card. The single best rewards card to have and to hold.  That post was written before we learned that applicants would get only one uncapped anniversary free night.  After Ben’s first card anniversary, future free nights will be capped at 40,000 points value.  With IHG, that excludes many desirable hotels.  Ben reports that he regrets signing up for this one since it inched him closer to 5/24.
  • Chase Ink Business Unlimited: Ben has no regrets about picking up another 50,000 Ultimate Rewards points through this new Chase business card.

Weeding Out Annual Fees

Ben had two annual fees come due in the past month.  One was for his Delta Gold Business card.  The other was for his first Ink Business Preferred card (he later picked up a second one, along with a second welcome bonus).  In order to avoid the annual fees, Ben cancelled his Delta card and product changed the Ink Business Preferred to a second Ink Business Unlimited (which has no annual fee).

Slowing Down

Earning another 115,000 bonus points since March is certainly not bad, but it’s far from Ben’s prior earning pace.  Ben volunteered three reasons as to why he has slowed down: 3X bill payments; sticking to two issuers; and avoiding 5/24:

3X Bill Payments: Ben has been relying mostly on the Plastiq bill pay service to meet minimum spend with new cards.  And when he doesn’t have minimum spend to achieve, he uses his Chase Ink Business Preferred card since it earns 3X on all Plastiq bill payments.  With bills averaging over $5K per month, Ben reports being perfectly happy to earn over 15,000 Ultimate Rewards points each month.  As a result, he says that he’ll only pick up new cards when he really wants the card and/or the bonus.

Sticking with 2 issuers: So far, all of the cards Ben has signed up for are from Chase and Amex.  Ben likes the simplicity of having just two banks to deal with, and just two online log-ins.  He says that he considered going for the many American Airlines offers that have been floating around, but he simply didn’t want the hassle of dealing with additional banks (Citibank and Barclays, in this case).

Avoiding 5/24: Ben is now at 3/24 (3 new accounts in the past 24 months which show up on his credit report).  If he picks up just 2 more personal cards in the next 17 months, he’ll be over 5/24.  That will limit his ability to pick up new Chase offers.

Considering the SPG Luxury Card

Ben reached out to me after reading “Up to 450K on the table and a short window of opportunity with Marriott & SPG.”  Like many of us, Ben will have a short window of opportunity to pickup the expected 125K bonus with the new SPG Luxury Card.  That card will become available on August 23rd, just a few days before August 26th when new rules will exclude Ben from the bonus.  In his case, he would become ineligible for the SPG Luxury card bonus on August 26th since he has recently received a bonus on the Marriott Rewards Premier Business Card.

Ben asked for advice.  Should he go for it?

SPG Luxury Card Details

The SPG Luxury Card is expected to offer a welcome bonus of 125,000 points after $5K spend.  And, my bet is that the card’s $450 annual fee will not be waived the first year.  If that’s true, then picking up this card is far from a no-brainer.

Let’s look at the card’s perks that help to offset that fee:

  • $300 annual rebate: Up to $300 in statement credits per card membership year for purchases made directly at participating SPG or Marriott Rewards hotels. This includes the room rate itself and any incidentals charged to your room.
  • Annual free night award: Each year, after renewal, you will receive one Free Night Award. The Free Night Award can be redeemed for a one-night stay at SPG, Marriott, and Ritz hotels with a redemption level at or under 50,000 points.  Note that I do not expect that we’ll get this free night upon initial signup, but I hope I’m wrong. After all, the Amex Hilton Aspire card offers it’s free night both upon signup and renewal.
  • Automatic Gold Elite status: Gold elite status offers 2pm late checkout, 25% point bonus on points earned from hotel stays, points-only welcome gift, chance of a room upgrade, and complimentary enhanced internet.
  • Platinum Elite status with $75K spend: Spend $75K within a calendar year to get Platinum Elite status good for the rest of that year and all of the next year. Platinum status offers 4pm late checkout, 50% point bonus on points earned from hotel stays, welcome gift with breakfast option, chance of a room upgrade including select suites, and lounge access. You will not get choice benefits, such as 5 Suite Night Awards when Platinum status is achieved in this way (Choice Benefits are only awarded when you earn 50 elite nights within a calendar year).
  • 15 Elite Night Credits: This is now a standard perk with all currently available Marriott and SPG cards. These elite nights count towards your total towards elite status each year. For example, if you stay 35 nights in Marriott / SPG properties, you will earn 50 night Platinum status thanks to these 15 elite nights adding to your actual stays. Unfortunately the 15 elite nights do not stackacross cards.
  • Priority Pass Select Airport Lounge Access: This card grants the primary cardholder Priority Pass Select membership which allows yourself and up to 2 guests free access to Priority Pass lounges (or dining credits at Priority Pass restaurants). Authorized users do not get their own Priority Pass.
  • Global Entry / TSA Pre Check Credit: This card will refund your $100 Global Entry application fee or $85 TSA Pre Check fee once every four years.
  • Free Boingo Wifi: Free unlimited Boingo wifi worldwide. This benefit is available both to primary cardmembers and authorized users.

Ben says that he should be able to easily earn the $300 rebate, but he doesn’t otherwise see much value in the card’s other first year benefits.  That’s assuming that the annual free night isn’t available upon signup.  If it is, he says he would value that pretty highly.

If we assume that the annual free night won’t be granted until renewal, then the question is whether it is worth $450 and $5K spend for Ben to get:

  • 135K points: 125K bonus points plus 10K base points for spending $5K (the card earns 2 points per dollar for base spend)
  • $300 in statement credits

Given our current Reasonable Redemption Values (RRVs), Marriott/SPG points are worth 0.72 cents each.  That means that, on average, we’d expect to get 0.72 cents per point value from award bookings.  So, those 135,000 points are expected to be worth $972 in hotel stays, give or take.

Altogether, in exchange for the first year $450 annual fee and the effort of putting $5K spend on the card, Ben would get approximately $300 + $972 = $1,272 in travel in his first year with the card.

Recommendation

Overall, the expected welcome bonus for the new SPG Luxury card is pretty compelling despite it’s very high annual fee.  Given that Ben will have only a short window of opportunity to pick up this card and bonus, I’m recommending that he go for it.  The biggest downside is that this will move him to 4/24 and he’ll be only one card away from getting shut out of most new Chase cards for quite a while.  That’s probably OK, though.  Ben has many of the high value subject-to-5/24 Chase cards already.  Plus, he has previously told us that he’s not interested in flying Southwest, so there’s no reason to preserve 5/24 slots to try to get a companion pass early next year.

In addition to the SPG Luxury card, I think that Ben should consider the Chase United MileagePlus Explorer Business Card while its 50K offer is still available.  The United business card is subject to 5/24, but as a business card it won’t add to Ben’s 5/24 count.

Readers, what do you think?  What would you recommend that Ben do?  Please comment below.

The post Over 700K and slowing down. Should Ben go for 125K more? appeared first on Frequent Miler.

Is the Amex 5 Credit Card Limit Gone?

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Yesterday, I accidentally applied for the SPG card.  A reader had asked about the new feature where Amex will warn you if you’ve had a card before and are not eligible for the bonus.  I had never seen the warning myself except as posted on other blogs, so I picked a card that I’ve had before (the SPG consumer card) and applied.

I expected to see something like this:

Image captured by a member of our Frequent Miler Insider’s Facebook Group (thank you!)

Instead, my application was instantly approved.

I don’t know why the application itself didn’t warn me that I’m not eligible for the bonus.  I thought at first that maybe Amex is considering the SPG card new since it now earns the equivalent of Marriott points instead of Starpoints.  But others have received the warning for this card with the new earning structure, so that’s not it.  Maybe Amex somehow forgot that I had this card.  I had cancelled it in May 2015 which is nowhere near the 7 year timeframe that seems to be their forget threshold.  Most likely, the warning simply failed to trigger.  I think it is very unlikely that I’ll get the bonus for this card.

The more surprising part of all of this is that I got approved despite having 5 credit cards already open.  In the past, my applications have been denied when I tried to open a new credit card that would put me over the Amex credit card limit.  Note that the limit used to be 4 credit cards, but had moved up to 5.  Note also that charge cards, such as Amex Gold cards and Platinum cards, have never been part of this limit.

So, now I had 6 credit cards open.  Maybe Amex has changed the limit to 6?  I decided to push forward to find out…

I next opened the application for the SPG Business Card.  I had cancelled that one as recently as June 2017.  Surely the application would warn me that I’m not eligible for the bonus, right?  Nope.  I was instantly approved.

I now have 7 Amex credit cards.

I’m feeling fairly confident now that the hard limit on credit cards is gone.  Or, maybe they have a limit, but it varies by person.

What’s up with the Amex bonus validator?

The validator seems to be completely broken for me.  Or maybe it doesn’t work with Chrome?  But it’s not broken for everyone.  Quite a few Facebook group members reported that they received the same “PLEASE CONFIRM” message as shown above.

Reader Input

We need more data points to fully understand what’s going on.  There are two primary questions:

  1. Is there any limit to Amex credit cards anymore?
  2. Is there a way to trust the bonus validator if it shows the warning sometimes but not other-times?

And, of course, there’s a third question: Do I have any hope at all of getting the welcome bonus for either card?  I’m pretty sure that the answer is no.

What has your experience been with these topics?  Please comment below.

By the way, when counting your Amex credit cards, don’t count charge cards, and don’t count authorized user cards.  Thanks!

The post Is the Amex 5 Credit Card Limit Gone? appeared first on Frequent Miler.


New $500 opening bonus on a revamped Savor card

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Capital One made some changes today in their lineup, creating two versions of Savor card: a Capital One SavorOne Cash Rewards Credit Card and a Capital One Savor Cash Rewards Credit Card. While the SavorOne mantains the previous benefits and structure, the newly refreshed Savor card now comes with a new cardmember bonus of $500 cash back after $3,000 in purchases in the first 3 months, which makes it worth a look.

The Deal

  • Get $500 cash back after making $3,000 in purchases in the first 3 months on the newly refreshed Capital One Savor Cash Rewards Credit Card
  • Find a link and more card information on our Capital One Savor card page.

Key Card Details

  • Earn 4% back on dining and entertainment
  • Earn 2% back at grocery stores
  • Earn 1% back everywhere else
  • World Elite Mastercard
  • Comes with price protection, extended warranty coverage, and some other World Elite Mastercard benefits

Quick Thoughts

Getting back $500 after $3,000 in purchases in the first 3 months is a pretty solid deal. It’s not so wild and crazy that it’s worth burning a 5/24 slot if you’re under or within reach of the magic number, but for those who are not concerned with getting or staying below 5/24, this is a respectable bonus.

Four percent back on dining and entertainment is also a pretty good return. In my opinion, it’s not as good as earning 3 Ultimate Rewards points per dollar with the Chase Sapphire Reserve — though with the difference in annual fee, that’s not really a fair comparison. Since the annual fee on the Savor card is only waived for the first year, you would have to spend a lot on dining and entertainment in year 2 and beyond ($9500 or more per year) to earn enough cash back to beat 3% back  on those categories with no annual fee on the SavorOne card.

Speaking of entertainment, earning 4% back on “entertainment” could be interesting depending on what codes in that category. Experience with other cards that bonus entertainment spend indicates that it is a category that can be pretty broadly classified, so it would be interesting to see what purchases might code that way here.

While Chase is doing away with benefits like price protection, Capital One includes price protection on both the Savor and SavorOne cards– up to $250 per claim with a maximum of 4 claims per 12-month period.

A further bright spot is that the Savor cards are Mastercards. This means that they should work nicely with the current Plastiq Masterpass promotion, which could make it quite easy to meet minimum spend without any fee. Things like tax payments, mortgage payments, and other things that could be paid $250 at a time would make it easy to spend enough to earn the new cardmember bonus (though keep in mind that promotion is only scheduled to run through September 30th).

Overall, this card doesn’t offer a compelling long-term value, but it offers a nice opening bonus and decent (if not amazing) category bonus spend if you are into cash back on dining and entertainment. That might make it worth test driving it for a year anyway.

The post New $500 opening bonus on a revamped Savor card appeared first on Frequent Miler.

Stacking 4th Night Free + BRG for big savings

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Whoever said you can’t have your cake and eat it too never tried to stack a 4th Night Free with a best rate guarantee — or at the very least, they didn’t do it at an all-inclusive where you can have as much cake as you want. Hyatt wanted $1,411 for the cheapest advance-purchase member rate for my stay at the Hyatt Ziva Los Cabos, but I had other plans. My final cost: $863.20 all-in. That’s a savings of about 39% from the Hyatt.com rate. Here’s how.

 

The Premise

I wanted to see if it was possible to stack Citi’s 4th Night Free benefit with the “Best Rate Guarantee” offered by most hotel websites. The answer is that you can.

Prestige Concierge bookings are special

The terms of most (all?) best rate guarantee offers require that you have a confirmed booking made directly through the hotel chain website or call center in order to submit a claim for a better rate found elsewhere. Third party bookings (that is to say bookings you made through Expedia, Priceline, et al) generally do not qualify for best rate guarantee claims through the hotel chain (though each of those 3rd party travel agencies likely has its own best rate guarantee of some sort). In other words, if you booked through Expedia.com and then tried to contact Hyatt to file a best rate guarantee claim, Hyatt would tell you to pound sand. You need to book through Hyatt to get the best rate guaranteed by Hyatt.

However, bookings made over the phone or via email through the Citi Prestige Concierge are different than most third-party bookings in that these bookings generally qualify for elite credit / points / elite benefits, etc, as though booked direct. The concierge can book hotel promotional rates, including many coupon codes normally accepted by the hotel chain website. Knowing this much, I thought that it was at least possible that a booking made through the Prestige concierge would also qualify for a best rate guarantee claim.

Best Rate Guarantee claims can be hard

Several months back, I created a quick reference guide for Best Rate Guarantee claims (See: Best Rate Guarantee guide). In that guide, I note that getting claims approved can be tough – hotel chains will look for any minute difference to find a reason to deny your claim. To be successful requires finding a room not only with an identical description but with identical terms. I’ve read about claims that were denied over a trivial difference in cancellation terms — like where one site says you must cancel by 6pm the day before arrival and the other site saying you have to cancel by 11:59pm the day before arrival. If the finer details don’t line up, claims can be denied.

Of course, on the flip side, best rate guarantees are far from impossible to crack. In fact, with a little time and effort I’ve been successful many times over the years. Most recently, I reported about a best rate guarantee claim I made with Hilton that was approved in eighteen minutes (See: Don’t be blinded by loyalty and burn a pile of money: shop around). In short, it’s possible to get these approved, it just requires some diligence in finding the right situations.

Increase the chance of success by removing flexibility

Being someone who travels mostly on points and miles, I have come to greatly value flexibility. Being able to change/cancel my bookings is generally important to me. I usually completely ignore any kind of advance purchase / nonrefundable rate as it rarely seems worth the marginal savings to be locked in on a rate or plans that may change.

However, there is one notable benefit of an advance purchase nonrefundable rate: there is one less way to deny a best rate guarantee claim since there will be no difference in cancellation policy. If you can’t cancel, there just isn’t any variance to be found in that component.

At least, that sounded like a good theory — so I had to put it to the test. I had been looking for a stay at the Hyatt Ziva Los Cabos (which I had written about previously here and here). In those previous posts, I had made one key mistake: I had run my searches for a room with 1 adult. A room with two adults came up with higher pricing. When I put in two adults, I had a choice between a “Pool View Double” for $331 per night or a Ziva Suite for $353 per night for an advance purchase, non-refundable member rate via Hyatt.com. I decided on the Ziva Suite, mostly in the hopes of being able to get an upgrade from there to something with an ocean view. The process outlined in this post should work with whichever room category you choose.

I called up the Citi Prestige Concierge to see if they could book that same World of Hyatt member rate. Sure enough, that was no problem at all — the concierge quoted me identical rates and already had my Hyatt member number on file from previous bookings. The total could come to $1,411 for four nights before the 4th night free credit. Interestingly, the Hyatt Ziva Los Cabos displays prices with taxes included. Though the Citi Prestige 4th night free benefit ceased to rebate taxes as of last summer, both the phone rep and the email confirmation showed I would get a full credit for the 4th night ($352.80 — or 25% of the all-in price):

That said, you’ll note the asterisk and the word “estimated” describing the 4th night free benefit. Based on a comment on one of my previous posts, I thought it was possible that Citi may adjust the final credit down to account for the taxes which are included in the total room rate shown at Hyatt.com, but excluded from the 4th night free benefit. Even still, I figured that the worst-case scenario was that the credit would come in at around $300 – still making for a solid rate for 4 nights in a (non-base-level) room at an all-inclusive Hyatt property.

However, my intention was to file a best rate guarantee claim. Booking an advance purchase nonrefundable rate made me at least a little nervous for several reasons:

  1. My flexibility was shot. If we had to cancel the trip for some reason, my only hope would have been Citi Prestige Trip Cancellation / Interruption insurance.
  2. Would a modification to my rate for a best rate guarantee claim cause my 4th night credit to adjust downward as well?
  3. Worse yet, would a successful best rate guarantee claim modify the reservation in some way that Citi would not honor the 4th night free at all?

Number 3 was probably my biggest of the above three concerns. While losing flexibility on an expensive reservation is scary, I knew that the only reasons we would consider cancelling would probably fit within the terms for the trip cancellation or interruption benefits. But would a best rate guarantee claim backfire and actually make my stay more expensive? I’d find out soon.

Finding a better rate

I started out with Hotelscombined.com, a hotel metasearch site similar to flight search site Momondo. Hotelscombined.com searches a number of major booking entities as well as a handful of smaller sites that weren’t familiar names. I did in fact find a couple of better-looking prices through Hotelscombined.com, but when I clicked through I found rooms without description or with names/titles that were not close enough to Hyatt’s room names to mean likely success in a guarantee claim.

I then went to Flyertalk. They had this thread on the Hyatt Best Rate Guarantee that included a list of sites against which claims had been made — both successful and not. I specifically searched the thread for claims at the Hyatt Ziva Los Cabos and found a few reports of success in matching against the Hotels.com Mexico site. Indeed, Hotels.com Mexico was showing a good rate in Mexican Pesos:

This was about $312 per night ($1248 total) based on the exchange rate at the time.

I immediately submitted a best rate guarantee claim, showing the above rates. However, about 10 hours later, Hyatt denied my claim stating the following:

Dear Mr. Reyes,

I am pleased  to hear of your desire to stay with us and your interest in our Best Rate Guarantee program. After researching, I was unable to validate your submission based on the following information:

When researching a claim, one of the first steps is to bring up the third party booking site and review the rates and availability.  When reviewing the third party site, the currency is changed to reflect the hotel currency as found when booking on Hyatt.com.  For the Hyatt Ziva Los Cabos, our Hyatt.com site displays the Hotel Currency as USD.  When pulling up current availability on hotels.com and changing the currency to USD, the rates offered on hotels.com are the same as rates offered on Hyatt.com.  Therefore, the claim is invalid. The reservation you have already made under confirmation #XXXXX is still confirmed at the original rate.

Please let us know if we assist you further.  Thank you for choosing Hyatt.

My first reaction was: awesome. They didn’t deny my claim based on not booking direct — so this email theoretically confirmed my suspicion that it was possible to do a best rate guarantee claim in conjunction with a Citi Prestige 4th night free.

Of course, that was immediately followed by mild annoyance with the denial as it did not seem to reflect the terms of the best rate guarantee. The terms of the guarantee state that rates in a foreign currency will be converted to a common currency. I wrote back to plead my case, arguing that I was not looking to compare to Hotels.com’s USD price, but rather the Hotels.com Mexico price in Mexican Pesos, which Hyatt could convert with any major currency converter ratio. Heck, even the Hyatt app allowed me to convert my rate into Mexican pesos and it was clear that the Hyatt rate was higher.

However, I wasn’t going to hold my breath waiting for Hyatt to write back and admit the error of their ways. I figured my email would languish unread in an unattended email inbox. Still, I gave it five or six hours.

Since a best rate guarantee claim has to be made within 24 hours, I couldn’t wait another day to hear back. I began going down the list of sites listed on Flyertalk where people had reported successful Best Rate Guarantee claims with Hyatt. I found my winner with EasyClickTravel.com. That site not only listed a “Suite” (hopefully close enough to Ziva Suite?), but they listed prices in US Dollars.

You’ll note in the picture above that there were actually two kinds of suites available — a “Suite Standard” and a “Suite”. As readers who have been to the Hyatt Ziva Los Cabos have previously pointed out, all of the rooms are technically considered “suites” at this property. I was concerned that a claim against the “Suite Standard” might get denied as not being the same as a Ziva Suite. Since time was of the essence, I didn’t want to waste too much time on a second denied claim. I submitted a claim against the $304 rate for a Suite shown above.

This time, within about an hour and a half, I had this message:

Dear Mr. Reyes,

We are pleased to hear of your desire to stay with us and happy to be of assistance regarding your Best Rate Guarantee submission. I was able to validate your claim, and within 4 days of the completion of this stay, you will receive a special offer code for a credit worth US $50.00 that you can apply to your room rate during your next qualifying stay booked on Hyatt.com.

Your one-time special offer code will be sent to the email address on file for your reservation at the time of check out. This code must be redeemed and your future stay completed (checked out) within one year from the date you receive it.

Thank you for providing the opportunity to assist you. We look forward to welcoming you on your upcoming stays!

Boom. With a few minutes of effort, I had reduced my total rate by nearly $200.

Would it stack with the 4th night free?

Of course, my excitement was tempered by the fact that I might have just shot myself in the foot and somehow invalidated my 4th night free claim. I wondered whether this would reduce the amount of credit or potentially cancel out the credit altogether because of a modification to the reservation.

However, the truth is that I didn’t think it would affect anything as long as the hotel still charged me for the stay. After all, what happens if you have a horrible customer service experience and the hotel decides to take some money off of the bill to compensate you? I wouldn’t expect that to affect your 4th night free benefit. In my mind, the best rate guarantee is a type of customer service adjustment in the sense that the hotel is guaranteeing not to sell their rooms to non-loyal guests for less than they would charge members.

All that said, the Hyatt best rate guarantee seems to handle advance purchase bookings in a way that I thought might cause me problems:

If you have already booked a prepaid stay on Hyatt.com, and find a Competing Rate that meets these Terms and Conditions, then Hyatt will refund the full amount originally charged to your credit card for the rate booked on Hyatt.com and charge your credit card for the full stay based on the new rate. Note that only one Credit per qualifying reservation will be issued.

That might get ugly. If they charged it and then refunded the stay in whole it and then re-charged it, I thought that seemed very likely to mess something up with Citi. However, I logged into my Citi account and I had not yet been charged at all — despite it having been nearly 24 hours since making my reservation. That surprised me since the Citi Prestige Concierge rep had asserted that it would be charged in full immediately and had seemingly run my card, waiting for the confirmation number while I was on the phone. I figured I’d wake up the next morning to a bunch of activity in my account.

However, the next day came and went with no charge from Hyatt at all. And then the next day. And the next. For nearly a week, I didn’t get charged at all for this advance purchase fully prepaid rate. I have no idea why — the app said I would be charged a deposit in full on X date, which was the date I made the reservation. I don’t know if it was my best rate guarantee claim that slowed things down…but a week later, I finally received this email:

That was looking very promising. Sure enough, later that evening, I finally saw a pending charge for $1,216 for the hotel stay. And when I woke up the next morning, I saw this:

Boom-shaka-laka. Not only did I get charged $1216 as per my best rate guarantee claim, but my 4th night free credit also applied immediately (yes, before my stay). Further, that credit was for the originally-quoted amount, $352.80 — dropping my net total for 4 nights down from $1,411 via the Hyatt advance purchase rate to just $863.20 all-in for four nights (an average cost of just $215.80 per night). That’s about 29% off from the $1216 advance purchase rate and about 39% off from the originally-quoted Hyatt advance purchase rate.

Furthermore, I’ll earn points and elite credit based on the $1216 total — making a very good deal a hair better.

Yes, I’m still redeeming points

If you read my previous posts, you’ll know that I was looking for the joy of free in this vacation. From the outset, I was just looking to enjoy a few days relaxing by the pool and have all costs included. For that reason, I set out to book an award stay at this property. At 20,000 Hyatt points per night versus the going cash rate in the mid $300’s, most would agree that this property is a decent (if not amazing) Hyatt redemption.I intended to transfer 80,000 Ultimate Rewards points to Hyatt to book this as an award stay.

However, despite checking a couple of times each day for weeks, I could not find award availability during my dates (you need to find a “Master Double” or “Master King” available in order to be able to book a standard room — pool view rooms are not the standard rooms). With a full award stay impossible, I intended to redeem Chase Ultimate Rewards points at 1.5 cents each thanks to the Sapphire Reserve card, likely paying a couple thousand extra points to book a “paid” rate. Of course, booking through the UR portal would mean forgoing Hyatt points and elite credit.

By booking through the Prestige concierge, I’ll earn somewhere around 7,000 Hyatt points (5 base points per dollar plus a 20% bonus for being an Explorist). I’ll also bring my total nights for the year up to 10, qualifying me for Discoverist next year. Discoverist is mostly pretty useless, but it does come with a guaranteed 2pm late checkout. That will be useful for times when I don’t want to bother a Globalist friend for a Guest of Honor booking for a 1-night stay at a Hyatt Place, but I need a late checkout for one reason or another.

Further, it inches me closer to a free night with Hyatt for trying 5 brands. When they debuted the World of Hyatt program last year, Hyatt began offering a free Category 1-4 night for being a “brand explorer” by trying out at least 5 Hyatt brands. This challenge requires paid stays, but there is no minimum timeframe in which you need to complete it. As you can see, I just don’t make many paid Hyatt stays, so the Hyatt Ziva Los Cabos is only going to bring me up to 4 brands. Still, that means that my next paid stay at any of the brands not checked below will earn me a free night certificate.

All that is to say that I don’t feel bad about my decision to cash in 86,320 Ultimate Rewards points at $0.01 each for an ACH credit to pay off the Prestige balance for this stay. Some will cry that it is heresy to redeem Ultimate Rewards points at such poor value — goodness knows I’ve led the charge on those cries myself before. But the fact of the matter is that I have a large enough stash of Ultimate Rewards points that I was fine with transferring 80K to Hyatt, and my cost of acquisition to replace those points is low. Further, after the Hyatt points I’ll earn on this paid stay, my final net expense is less than 80,000 total points. No cash out of my bank account and an all-inclusive vacation for fewer points than I had anticipated equals a net win in my book. See the comments to join the angry mob ready to burn me at the stake for such a terrible redemption. I’ll be by the pool with an umbrella in my drink and a smile on my face.

It could get even better in some cases

Combining the 4th night free and best rate guarantee made for a significant savings on this stay. I’ll even get a coupon for fifty bucks off a future stay. But this stack could get even better. While Hyatt’s best rate guarantee only matches the price and gives you a $50 coupon for a future stay, some chains actually beat the lower price by 25%. Had this stay been at a Marriott or Hilton and qualified for a best guarantee based on the same prices, my rate would have come down to $912 before the 4th night free ($1216 – 25%). That would bring the net cost down to $559 after the 4th night free credit if everything else remained constant. In other words, I definitely didn’t use this one to its absolute maximum benefit — but now that you know the stack, maybe you can.

Bottom line

Yes, you can stack the Citi Prestige 4th night free benefit with a best rate guarantee claim. That can make for a significant savings and it seems that it will not interfere with your 4th night credit. Of course, it isn’t without risk — Citi could have reduced my benefit on this one, though truth be told I’d be happy with the 4th night free however they calculated it on this one. In the end, taking a few minutes to submit a claim or two with Hyatt saved me a bundle on a nice, relaxing, all-inclusive and mentally “free” vacation. That’s a good stack.

The post Stacking 4th Night Free + BRG for big savings appeared first on Frequent Miler.

$15 statement credit for adding an AU on Wyndham Visa [Targeted]

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Barclays has sent out what I imagine is a targeted email offer to earn a $15 statement credit after adding an authorized user on a Wyndham Rewards Visa account. In my case, I’m betting I have received this offer as the annual fee is due to post on this account soon. It wouldn’t be surprising if this kind of offer may also be available on other cards around renewal time as Barclays often sends out offers to encourage you to keep your card — if you have received a similar offer on another card, let us know in the comments below.

The Deal

  • Get a $15 statement creditb when you add an authorized user to your Wyndham Rewards Visa account from 8/14/18 to 8/28/18 [Targeted offer – see your email for your details]

Key Terms

  • Cardmembers who receive this offer and add an authorized user between 08/14/2018 and 08/28/2018 will earn a $15 statement credit.
  • Limit of one $15 statement credit per account.
  • To receive the statement credit, the cardmember account must be open, active and in good standing at the time of fulfillment.
  • All statement credits earned will appear on your statement 6-8 weeks after the end of the promotion.

Quick Thoughts

This is a fairly weak bonus for adding an AU and keep in mind that if you are adding someone at your address, this account will likely count against that users 5/24 count (though readers have reported success in getting Chase to ignore AU accounts on reconsideration if you are not financially responsible for helping to pay the bill). Also remember that Barclays requires AUs to be a minimum of 13 years old, so I couldn’t add Baby Rey to mine.

As noted above, I imagine similar offers are available on other cards. The subject line to watch out for is this: A $15 statement credit and more rewards, add an authorized user now.

The post $15 statement credit for adding an AU on Wyndham Visa [Targeted] appeared first on Frequent Miler.

New $350 back on $3K offer on BOA Business Advantage Cash Rewards Mastercard

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Bank of America has increased the offer on the Business Advantage Cash Rewards Mastercard — you can now get $350 cash back after making $3,000 in net purchases in the first 90 days (versus the previous offer of $200 back after $500 in purchases in sixty days). While the new offer requires a lot more spend, the extra $150 back on an additional $2500 in spend over the standard offer gives you an extra 6% back on that spend on top of your normal earnings, which makes this a reasonable offer. Keep in mind that those will bills to pay via Plastiq can take advantage of the current Masterpass promotion that allows for fee-free payments of up to $250 at a time.

The Offer

Key Card Details

  • No annual fee
  • Earn 3% at gas stations and office supply stores (up to $250,000 each calendar year)
  • Earn 2% at restaurants
  • Earn 1% everywhere else
  • You can get an additional 25% – 75% rewards bonus on base earn via Relationship Rewards (similar as the program for personal accounts). Click here for more information about Business Relationship Rewards

Quick Thoughts

This business card might be particularly attractive to some readers as it will not add to your 5/24 count and it earns a decent cash bonus for new card members. Furthermore, the fact that it is a Mastercard means it is compatible with the current Plastiq Masterpass promotions — so if you have bills that can be paid $250 at a time, it would be easy to make the minimum spend without incurring fees.

Those with a lot of money on deposit or invested with Bank of America / Merrill Lynch business accounts can qualify for slightly better bonus categories. Note that the business relationship bonuses only apply to base earnings (1%) rather than the category bonuses. This means you can earn an extra 0.25% to 0.75% across the board. See this post for more details.

The Bank of American Business Advantage Cash Rewards card doesn’t offer compelling spend bonuses in its bonus categories, but it offers a decent return for new cardholders with this newly increased bonus and it has no annual fee, making it an easy win for those looking for a business card with a cash rewards intro bonus.

H/T: Doctor of Credit

The post New $350 back on $3K offer on BOA Business Advantage Cash Rewards Mastercard appeared first on Frequent Miler.

Ink Business Preferred no longer earning 3X via Plastiq

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Ink Business Preferred

We don’t know why the Chase Ink Business Preferred card used to earn 3X for Plastiq bill payments, but it did.  It was sweet while it lasted, but according to Doctor of Credit that deal died as of August 16th.

I don’t have any recent enough charges to confirm this change, but I can vouch for the fact that the Ink Business Preferred / Plastiq combo was earning 3X as recently as August 14th.

A good alternative in the short term is to pay bills with a Mastercard credit card: you can use Plastiq to pay bills up to $250 fee-free with a Mastercard via MasterPass through the end of September.

The post Ink Business Preferred no longer earning 3X via Plastiq appeared first on Frequent Miler.

With Plastiq 3X dead, what’s next?

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In the past year, since learning that the Chase Ink Business Plus earned 3X for Plastiq payments, I’ve been using that card exclusively and extensively to pay all sorts of bills via the Plastiq bill payment service.  I’ve happily earned 3X paying my son’s college tuition, paying contractors, paying employees, paying taxes, etc.

I’m in the extremely fortunate position of having a huge supply of Plastiq Fee Free Dollars (FFDs) thanks to referring readers to Plastiq.  As a result, I don’t have to pay fees on any of my payments.  But even if I had to pay the standard 2.5%, I would have been happy earning 3X Ultimate Rewards points.  After all, that’s equivalent to buying Ultimate Rewards points for only 0.83 cents each.  That’s a steal.

But now, 3X is dead.

Next best card?

I’m not aware of any card that continues to earn a bonus multiplier for Plastiq bill payments.  So, the next best option would be a card that is great for everyday spend, or which offers a great big spend bonus.

Further, the ideal card is not an Amex card.  Amex has imposed a number of restrictions on which types of payments can be accepted by Plastiq:

  • For Recipients in the United States, the use of American Express cards is permitted for the following industries: Government, Utilities, Education, Residential Rent and Club Fees and Memberships.
  • For Recipients in Canada, the use of American Express cards is permitted for the following industries: Government, Utilities, School, School K-12 and Residential Rent.

The ideal card is also not a consumer Visa card unless it is from Capital One (or Chase if the card has a high credit limit).  Plastiq had previously announced a temporary change to the way Visa credit cards are handled:

  • Payments using personal Visa cards issued by Chase will be subject to a lower limit of 20% of your credit limit.
  • Payments using personal Visa cards from other issuers (other than Capital One) will code as a cash advance. That means you’d incur cash advance fees and wouldn’t earn any credit card rewards.
  • The following types of Visa cards are not affected by these changes: Capital One personal Visa cards, Visa business credit cards, Visa corporate, debit and prepaid gift cards.

That leaves us with these non-Amex, non-consumer-Visa best options for everyday spend:

  • Discover It Miles (year 1): This is really a 1.5% cash back card despite its name, but at the end of the first year of card membership, they double all cash back earned that year.  So, this is effectively a 3% cash back card in year 1.
  • Chase Ink Business Unlimited: This one earns 1.5 Ultimate Rewards points per dollar for all spend.  If you move points from this no-fee card to a premium card, you can then transfer points to various rewards programs (e.g. Hyatt, United, Southwest, etc.) or use the points for up to 1.5 cents per point value with the Sapphire Reserve card.  When paying 2.5% for Plastiq, using this card is like buying Ultimate Rewards points for 1.67 cents each.  That’s not a great deal, but I’ve included this on the list because it is the best non-Amex “everywhere else” card that I actually own at the moment.

And these are my favorite non-Amex, non-consumer-Visa options for earning big spend bonuses:

  • Chase World of Hyatt Credit Card: This is actually a Chase consumer Visa card, but it could work with Plastiq if you have a big enough credit line.  Big spend bonus: Earn 2 elite qualifying night credits per $5K in purchases.  If you’re chasing Hyatt status, this is a cheap and easy way to “mattress run” your way to status.  When you pay the Plastiq fee, you can think of that as paying for Hyatt points plus elite nights.  If we conservatively value the Hyatt points at 1 cent each, then paying the 2.5% Plastiq fee is like paying 1.5% for the elite nights plus 1% for the Hyatt points.  Each elite night, then, would cost you $37.50.
  • AT&T Access More Card: This Mastercard is no longer available to new applicants, but it should still be possible to sign up for the AT&T Access Card and then product change to the Access More Card.  The Access More card earns 3X for online purchases (but not for Plastiq), but it also earns 10K bonus points each year in which you spend $10K.  In other words, it can make sense to use this card for $10K Plastiq spend each year just to get the 10K bonus.
  • Amtrak Guest Rewards World Mastercard: With points worth up to 2.9 cents each, you can approximately break even with Plastiq’s 2.5% fee.  Where things get interesting is with this big spend bonus: Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.  Amtrak points transfer to Choice Privileges 1 to 3, so this means that $20K annual spend can result in 60K Choice points each year.
  • Radisson Rewards Business Visa Card: This card earns 5X points for all spend, plus for each $10K annual spend (up to $30K) you get a free night at any Radisson Rewards hotel in the US.  If you consider this to work out roughly to two free nights for each $10K spend (50K points plus a free night certificate), then Plastiq’s 2.5% fee is like paying $250 for two nights.  Keep in mind that with Radisson properties, this is not necessarily that good of a deal.
  • Virgin Atlantic World Elite Mastercard: Big spend bonus: 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend; Also: 25 tier point towards elite status per $2,500 spend (max 50 tier points per month).  Since this card earns 1.5X for all spend, spending exactly $25K per year results in 37,500 miles + 7,500 + 7,500 = 52,500 miles.  In other words, this card earns more than 2 miles per dollar in that scenario.  See: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status.

To some extent, I like all of the above options as long as my Fee Free Dollars last.  My favorite option is the Chase World of Hyatt Credit Card (to help me get to Globalist status).  But I don’t have that card right now, and I wouldn’t want to start the hunt for elite status until early next year anyway.

Which leads me to the real best use of Plastiq…

Signup Bonuses

Most signup bonus offers require minimum spend.  For example, you may have to spend $3,000 within 3 months to get 50,000 points or miles.  In situations where your usual spend won’t be enough, I think that Plastiq is a great option.

It’s well worth paying 2.5% in fees in order to secure a bonus worth hundreds of dollars more.

The following “Plastiq-friendly” best offers include all of the best public Mastercard and Discover offers, all Visa business card offers, and all Capital One offers.  Chase consumer Visa cards would work too, if you have a high enough credit limit, but they’re not included in this list…

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card Offer and Details
Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the no-fee Chase Ink Cash for its 5X categories, and the no fee Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage

Note: This card is known to be subject to Chase's 5/24 rule.

See also: How to sign up for Chase Ink cards

Citi ThankYou Premier Card
60K points
60K after $4K spend in 3 months

No Annual Fee First Year, Then $95

Recent better offer: None

FM Mini Review: One of the best all-around travel rewards cards: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines.


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X travel and gas ⚬ 2X dining and entertainment

Noteworthy perks: With this card, ThankYou points become worth 1.25 cents each towards travel; or transfer points to airline partners

CitiBusiness AAdvantage Platinum Select World MasterCard
70K miles
70K after $4K spend in 4 months

No Annual Fee First Year, Then $95

FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options.


Card Type: Mastercard World

Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas

Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ Save 25% on inflight purchases

Chase Ink Business Unlimited
50K points
50K after $3K spend in 3 months

$0 Annual Fee

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Earning rate: 1.5X on all purchases.

Note: This card is expected to be subject to Chase's 5/24 rule.

See also: Transferable points programs

Chase Ink Business Cash Credit Card
50K points
50K after $3K spend in 3 months

$0 Annual Fee

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Earning rate: ⚬ 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants

Note: This card is known to be subject to Chase's 5/24 rule.

See also: How to sign up for Chase Ink cards

Citi AAdvantage Platinum Select World Elite Mastercard
60K miles
60K after $3K spend in 3 months

No Annual Fee First Year, Then $99

FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)


Card Type: Mastercard World Elite

Earning rate: ⚬ 2X restaurants ⚬ 2X gas ⚬ 2X AA

Big spend bonus: $100 AA Flight Discount with $20K membership year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ Save 25% on inflight food and beverage purchases

BOA Amtrak Guest Rewards World Mastercard
30K points
30K after $1K spend in 3 months

$79 Annual Fee

Offer appears on the Amtrak home page.

Recent better offer: 30K after $1K spend in 3 months


Card Type: Mastercard World

Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review

Chase Southwest Airlines Rapid Rewards® Premier Business Card
60K miles
60K after $3K spend in 3 months

$99 Annual Fee

Recent better offer: None. This is the highest public offer we've seen.

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year

Noteworthy perks: 6000 bonus points each year upon card renewal.

Note: This card is known to be subject to Chase's 5/24 rule.

AAdvantage® AviatorTM Business MasterCard®
60K miles
60k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee

Recent better offer: None.


Card Type: Mastercard

Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else

Big spend bonus: $99 companion certificate with $30K account year spend; $3K elite qualifying dollars (EQDs) with $25K calendar year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ Reduced mileage awards ⚬ 25% statement credit on in-flight purchases

AAdvantage® AviatorTM Red World Elite MasterCard®
60K miles
60k miles after 1st purchase within 90 days and payment of the $95 AF

$95 Annual Fee


Card Type: Mastercard World Elite

Earning rate: ⚬ 2X AA ⚬ 1X everywhere else

Big spend bonus: $3K elite qualifying dollars (EQDs) with $25K calendar year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ⚬ 10% rebate on AA awards (up to 10K per year) ⚬ Reduced mileage awards ⚬ 25% off in-flight purchases

Capital One® Spark® Cash for Business
$500 Cash Back
$500 after $4,500 spend in 3 months from account opening

No Annual Fee First Year, Then $95

Recent better offer: $1,000 after $10,000 spend in 3 months from account opening

FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.


Card Type: Visa Signature

Earning rate: 2% everywhere

Lufthansa Miles & More® Premier World MasterCard® issued by Barclays
60K miles
650K: 20K after first purchase & 40K after $5K spend in 90 days

$89 Annual Fee

Recent better offer: None. This is the best we've seen.


Card Type: Mastercard World

Earning rate: 2X Miles & More

Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee

Chase United MileagePlus® Explorer Business
50K miles
50K after $3K spend in 3 months

No Annual Fee First Year, Then $95

Recent better offer: 50K after $2K spend. (Last reported in 4/2016)

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Card Type: Visa Signature

Big spend bonus: 10K bonus miles after $25K calendar year spend

Noteworthy perks: ⚬ Improved saver award availability ⚬ Last seat standard award availability ⚬ Free first checked bag ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year ⚬ Primary auto rental collision damage waiver

Note: You may be targeted for this same offer with a $50 statement credit. Details here.. This card is known to be subject to Chase's 5/24 rule.

Chase IHG® Rewards Club Premier Credit Card
Up to 105K points + $50
105K + $50: 100K after $3K spend in 3 months + 5K for adding authorized user + $50 statement credit after first purchase

$89 Annual Fee

FM Mini Review: Good signup bonus. Keep only if you value the 40K annual free night and/or 4th night free awards.


Card Type: Mastercard World Elite

Earning rate: ⚬ 10X IHG ⚬ 2X gas, grocery, and restaurants.

Big spend bonus: 10K bonus points after you spend $20K in a cardmember year + make one additional purchase

Noteworthy perks: ⚬ Annual free night e-certificate good at IHG properties up to 40K points per night (for certificates issued after 5/1/18) ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status.

Capital One® Venture® Rewards Credit Card
50K "miles"
50K after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95

FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). Signup bonus is excellent, but due to the annual fee, you can do better after the first year.


Card Type: Visa Signature

Earning rate: 2X everywhere

Noteworthy perks: ⚬ Earn 10x miles on hotels when you pay with your Venture card at hotels.com/venture ⚬ Redeem miles for travel at value of 1 cent per mile. ⚬ Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

JetBlue Business Card
40K miles
40K after $1K spend in 90 days

$99 Annual Fee

Recent better offer: None. This is the best we've seen.

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.


Card Type: Mastercard

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look

Barclays JetBlue Plus Mastercard

FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.


Card Type: Mastercard World Elite

Earning rate: ⚬ 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look

Barclaycard Arrival® Plus World Elite Mastercard®
60K points
60K after $5K spend in 90 days

$89 Annual Fee


Card Type: Mastercard World Elite

Earning rate: 2X Miles on all purchases

Noteworthy perks: ⚬ Get 5% Miles back when redeeming for travel ⚬ Chip wth PIN capability ⚬ 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.74%, 21.74% or 24.74%, based on your creditworthiness.
There is a fee for balance transfers.
See Rates & Fees

See also: Why the Recent Arrival Changes are a Terrible Business Move For Barclaycard

Capital One® Spark® Miles for Business
50K "miles"
50K after $4,500 spend in 3 months from account opening

No Annual Fee First Year, Then $95

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards and who value free travel over cash back.


Card Type: Vsia Signature

Earning rate: 2X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile.

Capital One® Savor® Cash Rewards Credit Card
$500 Cash Back
$500 after $3K spend in 3 months from account opening

No Annual Fee First Year, Then $95


Card Type: Mastercard

Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 1% everywhere else

Wells Fargo Business Platinum Visa® card
$500 Cash Back
$500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back
(Offer Expires 9/30/18)

$0 Annual Fee

FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online


Card Type: Visa

Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.

Chase Marriott Rewards® Premier Business Plus

Card Type: Visa Signature Business

Earning rate: As of 8/26/18: ⚬ 6X Marriott/SPG ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.

Big spend bonus: Gold status with $35K account year spend

Noteworthy perks: As of 8/26/18: 35K free night award each year upon renewal ⚬ Silver status ⚬ 15 elite night credits each calendar year ⚬ Free in-room premium internet

Note: This card is NOT subject to Chase's 5/24 rule

BOA Amtrak Guest Rewards Platinum Mastercard
12K points
12K after $1K spend in 3 months

$0 Annual Fee

Recent better offer: 15K after $1K spend in 3 months


Card Type: Mastercard Platinum

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review

BOA Alaska Airlines Visa Business Card
30K miles
30K after $1K spend in 3 months

$75 Annual Fee

Recent better offer: None

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa

Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere

Noteworthy perks: ⚬ $121+ coach companion pass every year

Citi® AAdvantage® Gold MasterCard®
25K miles
25K after $750 spend in 3 months

No Annual Fee First Year, Then $50

FM Mini Review: This card hardly seems worth the $50 annual fee


Card Type: Mastercard World Elite

Noteworthy perks: Reduced mileage awards ⚬ Save 25% on inflight food and beverage purchases

Citi Business ThankYou Card
20K miles
20K after $2K spend in 3 months

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 3X rotating quarterly categories

Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.)

Note: This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.

Frontier Airlines World MasterCard®
40K miles
40K after $500 spend in 90 days

$79 Annual Fee


Card Type: Mastercard World

Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants

Big spend bonus: $100 discount voucher after $2,500 in annual spend. ⚬ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ⚬ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ⚬ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year spend

Noteworthy perks: ⚬ Keep miles from expiring with one purchase every six months. ⚬ No award redemption fee when taxes/fees are paid for with the card.

Chase IHG® Rewards Club Traveler Credit Card
Up to 65K points
65K: 60K after $2K spend in 3 months + 5K for adding authorized user

$29 Annual Fee

FM Mini Review: Might be worthwhile for the signup bonus, but otherwise it probably makes more sense to pay $60 more for the annual free night that comes with the Premier.


Card Type: Mastercard World

Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants

Big spend bonus: Gold status with $10K spend in a calendar year

Noteworthy perks: ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases

Bank of America Business Advantage Cash Rewards Mastercard
$350 Cash Back
$350 after $3K spend in 90 days

$0 Annual Fee


Card Type: Mastercard

Earning rate: 3% gas and office supply; 2% restaurants

U.S. Bank FlexPerks® Business Edge Travel Rewards Visa® Card
20K points
20K after $2K spend in 4 months. Employee card spend does not count towards meeting minimum spend

No Annual Fee First Year, Then $55

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.


Card Type: Visa Business

Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).

Big spend bonus: $55 credit with $24K spend per cardmember year

Noteworthy perks: $25 airline fee credit when points are redeemed for flights

Best Western Rewards Premium MasterCard issued by First Bankcard
50K points
50K after $1K spend in 3 billing cycles

No Annual Fee First Year, Then $59


Card Type: Mastercard World

Earning rate: ⚬ 10X at Best Western properties ⚬ 1X elsewhere

Big spend bonus: 20K bonus points when you spend at least $5,000 during each 12 billing cycle period

Noteworthy perks: ⚬ 10% off Flexible Rate Stays ⚬ Platinum Elite Status (get a free welcome snack)

Virgin Atlantic World Elite Mastercard
25K miles
20K after first purchase + 5K for adding 2 authorized users

$90 Annual Fee


Card Type: Mastercard World Elite

Earning rate: 1.5X everywhere

Big spend bonus: 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend; Also: 25 tier point towards elite status per $2,500 spend (max 50 tier points per month).

See also: An analysis of the Virgin Atlantic 90K offer

The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
50K miles
50K after $3K spend in 90 days

$89 Annual Fee


Card Type: Mastercard World Elite

Earning rate: 2X Hawaiian Airlines

Big spend bonus: Earn 5,000 annual bonus miles after $10,000 in annual spend

Noteworthy perks: ⚬ Free checked bag ⚬ One time 50% off companion ticket ⚬ $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary

TD Business Solutions Visa
$300 Cash Back
$300 after $3K spend in 90 days

$0 Annual Fee

Recent better offer: None


Card Type: Visa

Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations

Radisson Rewards Business Visa Card
85K points
85K: 50K after first purchase + 35K after $2.5K spend in 3 months

$60 Annual Fee

FM Mini Review: With the elimination of Bonus Award Nights, this card is still good, but it is no longer an amazing "must have".


Card Type: Visa Business

Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.

Big spend bonus: Free night at any US property after each $10K annual spend up to $30K

Noteworthy perks: ⚬ Automatic Gold status ⚬ 40K bonus per year.

See also: Club Carlson rocks our world... Again

BOA Business Advantage Travel Rewards World Mastercard
25K points
25K after $1K spend in 60 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 3X for travel booked through BOA's travel center

The Hawaiian Airlines® Business MasterCard® issued by Barclays
35K miles
35K after first purchase

$89 Annual Fee


Card Type: Mastercard World Elite

Earning rate: 2X Hawaiian Airlines

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

BOA Platinum Business Visa
$200 Cash Back
$200 after $500 spend in 60 days

$0 Annual Fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.


Card Type: Visa Platinum

Capital One® VentureOne® Rewards Credit Card
20K "miles"
20K after $1K spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: Many no-fee cards offer better rewards, so there's no point in using this card after collecting the signup bonus.


Card Type: Visa Signature or Platinum

Earning rate: 1.25X everywhere

Noteworthy perks: ⚬ Earn 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture ⚬ Redeem miles for travel at value of 1 cent per mile.

Citi AAdvantage® Executive World Elite MasterCard®
50K miles
50K after $5K spend in 3 months

$450 Annual Fee

Recent better offer: 75K after $7.5K spend in 3 months

FM Mini Review: Excellent choice for those who need Admirals Club access (included for both the primary member and authorized users). Heavy spenders who are short of the miles necessary for status can earn 10K elite qualifying miles with $40K spend. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.).


Card Type: Mastercard World Elite

Earning rate: 2X AA

Big spend bonus: 10K Elite Qualifying Miles towards elite status when you spend $40K in calendar year

Noteworthy perks: ⚬ First Checked Bag Free ⚬ Admirals Club® access for both primary and authorized users ⚬ 25% savings on eligible in-flight purchases on American Airlines and US Airways flights ⚬ Up to $100 Global Entry or TSA PreCheck application fee credit

AT&T Access Card
10K points
10K ThankYou Points after $1K Spend in 3 Months

$0 Annual Fee

FM Mini Review: Good choice for those who shop often online (thanks to 2X earnings). Or, better yet, start with this card and then product change to the AT&T Access More card.


Card Type: Mastercard World

Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

Virgin Atlantic White Card
15K miles
15K: 12,500 miles after first purchase + 2,500 miles for adding 1 authorized user

$49 Annual Fee

Recent better offer: None


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere

Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;

Capital One® Spark® Cash Select for Business
$200 Cash Back
$200 after $3,000 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card.


Card Type: Visa Signature

Earning rate: 1.5% everywhere

Capital One® Spark® Miles Select for Business
20K "miles"
20K after $3,000 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards can only be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.


Card Type: Visa Signature

Earning rate: 1.5X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile.

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
$150 Cash Back
$150 after $500 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.


Card Type: Visa Signature or Platinum

Earning rate: 1.5% everywhere

Noteworthy perks: 0% Intro APR for 15 months on purchases and balance transfers, then 14.74% - 24.74% (Variable)

Capital One® SavorOne℠ Cash Rewards Credit Card
$150 Cash Back
$150 after $500 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: The combination of 3% cash back on dining and no foreign transaction fees would be attractive for a no annual fee card, but the Barclaycard Uber card eclipses this one by offering 4% cash back for dining.


Card Type: Mastercard

Earning rate: ⚬ 3% on dining ⚬ 2% on groceries ⚬ 1% everywhere else

Bank of America Cash Rewards
$150 Cash Back
$150 after $500 spend in 90 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 2% at grocery stores and wholesale clubs and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card
$150 Cash Back
$150 after $500 spend in 90 days

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

JetBlue Card

FM Mini Review: Not bad for a fee-free airline card.


Card Type: Mastercard World

Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬

Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.

See also: Barclaycard JetBlue offers are live and worth a look

Discover it® for Students
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

$0 Annual Fee

FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.


Card Type: Discover

Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Citi® Expedia+ Credit Card
15K points
15K after $1K spend in 3 months

$0 Annual Fee


Card Type: Mastercard World

Earning rate: 3X Expedia purchases

Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year

Noteworthy perks: Free Expedia+ Silver status

Korean Air SKYPASS Business Visa issued by US Bank
10K miles
10K miles after first purchase

$75 Annual Fee

You may be able to earn 5K miles by referring a friend. Simply put the referring member's SkyPass number on the application in the applicable box

Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016)

30K: 15K after first purchase + 15K after $2k spend in 90 days

25K: 15K after first purchase, 10K after $2K spend in first 3 months (Expired 1/18)


Card Type: Visa

Earning rate: 2X Korean Air

Noteworthy perks: ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ 2,000 bonus points upon renewal ⚬ No foreign transcation fees

Discover it Miles - Double Miles your first year
$50 + First Year Double
Get $50 after first purchase. All miles earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back. Good card to keep for its annual $30 in-flight reimbursement.


Card Type: Discover

Earning rate: 1.5 miles per dollar for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Free in-flight wifi (up to $30 per year) ⚬ Redeem miles for travel or for cash back (1 cent per mile either way)

See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Discover it®
$50 + First Year Double
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

$0 Annual Fee

FM Mini Review: This is a great choice for its rotating 5% categories


Card Type: Discover

Earning rate: 5X in rotating categories, up to $1500 spend per quarter

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Citi® Expedia®+ Voyager Card
25K points
25K after $2K spend in 3 months

$95 Annual Fee


Card Type: Mastercard World

Earning rate: 4X Expedia purchases

Big spend bonus: 5K anniversary bonus with $10K annual spend

Noteworthy perks: ⚬ $100 annual air travel fee credit ⚬ Expedia+ Gold status

Marvel MasterCard from Synchrony
$25 Cash Back
$25 after first purchase

$0 Annual Fee

Recent better offer: None

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)


Card Type: Mastercard

Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)

Noteworthy perks: 10% off and other discounts at Marvel.com

Asiana Airlines Visa Business Card
10K miles
10K after after first purchase

$80 Annual Fee


Card Type: Visa

Earning rate: 2X Asiana

Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights.

Barclays Arrival® Premier World Elite Mastercard®

None.

No Annual Fee First Year, Then $150

FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel.


Card Type: Mastercard World Elite

Earning rate: 2X Miles on all purchases

Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend

Noteworthy perks: ⚬ Chip wth PIN capability ⚬ $100 Global Entry credit once every 5 years ⚬ Lounge Key access (pay $27 per lounge visit) ⚬ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile).
See Rates & Fees

See also: Barclays Arrival Premier Complete Guide

Citi Double Cash Card

Recent better offer: None

FM Mini Review: For those who prefer cash back, it's hard to beat 2% cash back and no annual fee. Use a different card when traveling internationally due to this card's foreign exchange fee.


Card Type: Mastercard World Elite

Noteworthy perks: 1% cash back when you make a purchase + 1% cash back when you pay for those purchases

AAdvantage® AviatorTM Silver World Elite MasterCard®

This card is currently available by invitation only.

$195 Annual Fee


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else

Big spend bonus: Earn $3,000 EQDs after spending $25K and another $3,000 EQDs after $50K of spend.

Noteworthy perks: ⚬ First checked bag free ⚬ Priority Boarding ⚬ 10% rebate on AA awards (up to 10K per year) ⚬ Reduced mileage awards ⚬ $100 Global Entry application fee credit ⚬ 25% off in-flight purchases

Citi ThankYou Prestige Card

Currently there is no signup bonus for this card. One option is to sign up for the Citi Premier card instead and later product change to the Prestige card.

$450 Annual Fee

Recent better offer: 75K after $7.5K spend in 3 months

FM Mini Review: This card is best for those who can take advantage of the 4th Night Free benefit


Card Type: Mastercard World Elite

Earning rate: ⚬ 3X airfare, hotels, and travel agencies ⚬ 2X dining and entertainment

Noteworthy perks: ⚬ $250 air travel credit (including airfare) per calendar year ⚬ Free lounge access: Citi Properietary Lounges;, and Priority Pass Select with free guests ⚬ 3 hour trip delay insurance ⚬ $100 Global Entry application fee credit ⚬ Use points for 1.25 cents value for any flight or transfer to airline partners ⚬ 4th night free hotel benefit ⚬ Reduce annual fee to $350 by signing up in-branch or by opening CitiGold Checking

In addition to the Amex SPG Lux card (which I’m hoping will become available today), I’m thinking of signing up for the Citi Premier and the CitiBusiness AAdvantage card within the next few days.  And, assuming my applications are approved, I’ll use Plastiq with those Citibank cards until I’ve met the minimum spend requirements.  Then, I’ll move on to new cards…

The post With Plastiq 3X dead, what’s next? appeared first on Frequent Miler.

SPG Lux Card is live. Lower bonus than expected, but 3 day window open.

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As reported by Doctor of Credit, the SPG Luxury Card is now available for applications.  The good news is that the 3 day window of opportunity that I’ve mentioned previously is working.  The bad news is that Amex is offering only a 100K welcome bonus.  We were expecting 125K.

For full details about this card, including the signup bonus link, please visit our dedicated page:

Starwood Preferred Guest Luxury Card from American Express

About the 3 Day Window

The SPG Lux card application page shows the following restriction:

Effective 8/26, welcome offer not available to applicants who (i) have or have had The Ritz-Carlton Rewards® Credit Card from JP Morgan in the last 30 days, (ii) have acquired The Marriott Rewards® Premier Plus Credit Card from Chase, The Marriott Rewards® Premier Credit Card from Chase, or The Marriott Rewards® Premier Business Credit Card from Chase in the last 90 days, or (iii) received a welcome or upgrade offer for The Marriott Rewards® Premier Plus Credit Card from Chase, The Marriott Rewards® Premier Credit Card from Chase, or The Marriott Rewards® Premier Business Credit Card from Chase in the last 24 months.

In short, starting on 8/26, if you have received a welcome bonus or upgrade bonus on any Chase Marriott card in the past 24 months, or have acquired a Chase Marriott card in the past 90 days, you won’t be eligible for the SPG Lux welcome bonus.  Same if you currently have the Ritz credit card or have cancelled it less than 30 days ago.

The 3 day window of opportunity begins right now: It is not yet the 26th, so it is possible to sign up for the Luxury card now to qualify for the welcome bonus even if you won’t be able to as of the 26th.  Note that you do not have to be approved before the 26th, you just have to submit your application before then.  Be careful not to submit an application late on the 25th, though, as those applications are sometimes recorded as having come in the next day.

Recommendation: If you won’t be limited by the new rules anyway, then there’s no reason to rush to get this card.  Maybe we’ll see a better offer in November (this offer is good through the end of October).

Other Options

I’ll follow up this post shortly with more information, but it’s important to note that other SPG and Marriott cards will also fall under restrictions similar to the ones shown above as of 8/26.  And, for many of us, there are other SPG and Marriott cards that offer better first year value.  Most notable is the SPG Business Card with its 100K bonus and waived first year fee (click through to our dedicated SPG Business Card page for up to date welcome bonus details).

Please also see: Navigating Marriott’s Byzantine Credit Card Rules.

The post SPG Lux Card is live. Lower bonus than expected, but 3 day window open. appeared first on Frequent Miler.


3 days left for up to 425K Marriott/SPG points. What to do?

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Now that the SPG Luxury Card is available, there are five credit cards that offer welcome bonuses between 75K and 100K points.  Here is a list sorted descending by estimated first year value (click through any link to get to our dedicated page  to learn more about that particular card):

Starwood Preferred Guest® Business Credit Card from American Express
100K Points
100K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/18)

No Annual Fee First Year, Then $95

Starwood Preferred Guest® Credit Card from American Express
75K points
75K after $3K spend in 3 months. Terms apply.

No Annual Fee First Year, Then $95

Starwood Preferred Guest Luxury Card from American Express
100K Points
100K points after $5K spend in the first 3 months. Terms apply.
(Offer Expires 10/31/2018)

$450 Annual Fee

Chase Marriott Rewards® Premier Plus
75K points
75K after $3K spend in 3 months

$95 Annual Fee

Recent better offer: 100K after $5K spend in 3 months

Amex / Chase Cooperation

Beginning August 26th, something unprecedented will happen.  Amex and Chase will limit welcome bonuses based on your experience with holding cards and/or receiving bonuses with the other bank.

The rules that begin 8/26 are complicated, so check out this post for full details: Navigating Marriott’s Byzantine Credit Card Rules.  The basic idea is that you may not be eligible for a Chase Marriott welcome bonus if you have certain SPG cards or have received bonuses on those cards in the past 24 months.  And, similarly, you may not be eligible for an Amex SPG welcome bonus if you have certain Chase Marriott cards or have received bonuses on those cards in the past 24 months.

The Window of Opportunity

The above rules do not kick in until Sunday 8/26.  You can qualify for welcome bonuses if you apply before that date even if you have Chase cards or have earned Chase welcome bonuses that would later make you ineligible for Amex bonuses, or vice versa.

Note that you do not have to be approved before the 26th, you just have to submit your application before then.  Be careful not to submit an application late on the 25th, though, as those applications may be recorded as having come in the next day.

Don’t forget Chase 5/24

Signing up for Chase or Amex consumer cards (not business cards) will add to your 5/24 count.  Depending upon your current situation, that may or may not be a problem.  In my case, I’m so far over 5/24 that I don’t really care.  If I was under 5/24 or working towards getting under 5/24, though, I would probably stay away from the SPG and Marriott consumer card applications for now.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Iberia, Aer Lingus, and Marriott Business.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status.

Who should get what?

Here are my recommendations for each of the currently available offers:

  • SPG Business: With 100K points on the table and no first year annual fee, this is the single best offer available right now.  If you have a business and have never had an SPG Business card before (or it has been 7+ years since you cancelled the card), then this is a great choice. Keep in mind that getting this card will limit your ability to get Chase Marriott welcome bonuses in the future (unless you sign up for those cards too before 8/26). See our SPG Business Credit Card Page for more information about this card.
  • SPG Consumer: Is there anyone out there who hasn’t had this card in the past 7 years?  If so, it’s worth considering.  My primary hesitation would be if you are under 5/24 (or trying to get under 5/24).  In that case, this card will add to your count and make you less eligible for Chase cards in the future due to 5/24.  Interestingly, unlike the SPG Business card, this card does not specifically stop you from getting a bonus on Chase Marriott cards in the future.  You would just have to cancel this card 30 days prior to applying. See our SPG Credit Card Page for more information about this card.
  • SPG Lux: Since this card is brand new, and the new Amex/Chase/Marriott rules haven’t yet taken effect, virtually everyone is eligible for this card.  That’s the good news.  The bad news is that the $450 annual fee is not waived the first year.  You will get $300 back if you spend $300 at Marriott/SPG properties (including room rates) though, so it’s not as bad as it seems.  Like the SPG Business card, this card will limit your ability to get Chase Marriott welcome bonuses in the future (unless you sign up for those cards too before 8/26).  And like the SPG consumer card, this will add to your 5/24 count. See our SPG Luxury Card Page for more information about this card.
  • Marriott Business: Even though the welcome bonus isn’t as high as it’s been in the past, it’s a great choice for many: This is one of the few Chase cards that is not subject to 5/24 rules.  Plus, since it is a business card, it won’t add to your 5/24 count.  Beginning 8/26 getting this card will limit your ability to get the welcome bonus on the SPG Luxury card.  See our Marriott Rewards Premier Business Card Page for more information about this card.
  • Marriott Premier Plus: This one is subject to 5/24 and it will add to your 5/24 count if you get the card. Plus, it will limit your ability to get welcome bonuses on the SPG Business and SPG Luxury Cards in the future.  Overall, I don’t recommend this one.  If you’re under 5/24, then there are more valuable Chase offers that you should consider first (see our Chase application tips and best offers here).  For more information about the Marriott Premier Plus card, click here for our dedicated card page.

What will I do?

I’ll probably go for the SPG Luxury card because I do want to build my point totals up in order to book top tier 60K properties before they jump up to 85K or 100K in 2019.  I personally value the $300 in Marriott/SPG credits at close to face value since we have definite plans to stay at Marriott/SPG properties and will no doubt spend much more than $300 in the next year even with award stays (stupid resort fees alone might do it).  So, my net first year cost for the SPG Luxury card is $450 – $300 = $150.  Is it worth paying $150 (or even $200 if I value the credits much less) for 100,000 Marriott points?  Absolutely.

I’m also waiting to see what happens with my recently (and somewhat accidentally) acquired SPG and SPG Biz cards.  I’ve finished the minimum spend on each, but haven’t received new SPG membership yet for those cards (see this post for details about this craziness).

My wife may also get the Luxury card.  She isn’t qualified to earn bonuses on any of the other cards (she has them all!), but she will qualify for the Luxury card bonus even after the new rules kick in on 8/26.  It has been more than 24 months since she received bonuses on her Marriott cards (and she hasn’t yet upgraded her Marriott Premier to Premier Plus).

My son hasn’t successfully signed up for any new cards since his Discover It Student card.  I’m thinking that it’s time for him to start a business and try for the SPG Business card.  Maybe he’ll try the Marriott one too, but I think that approval from Chase is a long shot.  Either way, I’ll help him meet the minimum spend requirements.  If he does apply and get approved for the Marriott Business card, he might also consider the SPG Luxury card before 8/26 since he would otherwise be shut out from that bonus for 24 months after getting the Marriott Business card bonus.  On the other hand, Chase rarely approves business cards that quickly, so maybe he should skip that one altogether.  Now I’m leaning towards him signing up for both the SPG Business and SPG Luxury cards.  Still pondering…  Update: I think my son will do the SPG business card now and the SPG consumer card sometime later.  Neither should exempt him from getting the Lux card in the future.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Legally, it's fine. And, anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

The post 3 days left for up to 425K Marriott/SPG points. What to do? appeared first on Frequent Miler.

The Amex 5 credit card limit may be in question, but 2 in 90 day limit holds

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On our Best Offers Page under Amex App Tips, we show the following rules (among others):

  • You can have max 5 Amex credit cards, but no known limit for charge cards
  • Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards
    [2 credit cards in 1 day is possible when instantly approved]

Readers may remember how I accidentally signed up for the consumer SPG card a few weeks ago.  I was expecting to see a popup warning me that I wasn’t eligible for the card, but received an instant approval instead.  That became my sixth Amex credit card (I have other charge cards too, but that’s irrelevant here).  This was surprising because it seemed to blow out of the water the “max 5 Amex credit cards” rule.  So, to really put the limit to the test, I also applied for the SPG business credit card and was instantly approved for that too.  Now I have 7 Amex credit cards.

You can read all about that adventure here: Is the Amex 5 Credit Card Limit Gone?  For those wondering about whether I’ll get the welcome bonus on either card: I don’t yet know.  I’ve met the minimum spend requirements on both cards, but haven’t yet received new SPG accounts (I expected to get assigned new SPG accounts since I hadn’t put my SPG membership number in either application).

Could I push it to 8?

Yesterday I tried to apply for the SPG Luxury Credit Card.  My application was instantly denied.

I then followed the link on our Best Offers Page to check application status (within the Amex App Tips box), and found the reason I was denied:

Thank you for your application for the Starwood Preferred Guest® American Express Luxury Card. We’re writing to let you know that we’re unable to approve this request.

The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months.

The reason “you have reached the maximum number and type of Cards that we will approve within the period of a few months” is not a static limit (like the maximum credit card limit), but rather a time based limit: “within the period of a few months“.

With this, I feel comfortable reporting that the “Max … 2 in 90 days…” rule is still in play.

This means that my little experiment with the consumer and business SPG cards ruined my chances of getting the SPG Lux card in the small window of opportunity available (see: 3 days left for up to 425K Marriott/SPG points. What to do?).

But, I can still get the SPG Lux card welcome bonus if:

  • I wait 91 days after signing up for the other SPG cards (due to the 2 in 90 days limit); and
  • Cancel my Ritz card 31 days prior to signing up for the SPG Lux card; and
  • Avoid upgrading my Marriott Rewards Premier Card to the Premier Plus.

To understand the above, see: Navigating Marriott’s Byzantine Credit Card Rules.

Luckily, I also have family members…

My wife’s application went pending

My wife applied for the Luxury Card and her application went pending.  We’re now waiting to see what happens. If her application gets approved, it will be further evidence that the 5 credit card limit is gone (she currently has 5).

My son’s applications were approved instantly

We went back and forth about which cards my son should apply for.  When he turned 18 last November he signed up for the Discover It Student card and hasn’t gotten any more cards since then.  So, yesterday he applied for the SPG Business Card, and the SPG Luxury Card.  He was instantly approved for both!  Of course I’ll help him meet minimum spend (and help him spend those points…).

The post The Amex 5 credit card limit may be in question, but 2 in 90 day limit holds appeared first on Frequent Miler.

SPG Luxury Card 125K Offer (targeted)

Virgin Atlantic “90K” (really 75K) offer is back

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Bank of America is back with its misleadingly advertised “90K” offer for the Virgin Atlantic Mastercard. While they claim it is worth “up to 90K miles” during the first year, the truth is that this is a 75K offer with the option to earn anniversary miles based on spend if you choose to keep the card in year 2 (See: An analysis of the Virgin Atlantic 90K offer for more). Still, it’s a great offer in the sense that the signup offer and spending requirement will give you enough miles to fly round trip in business class to Japan or nearly enough for round trip Delta One suites to Europe (if you can find availability).

The Deal

  • Earn 75,000 bonus miles as per the following with a new Bank of America Virgin Atlantic Mastercard:
    • Earn 20,000 bonus miles after 1st purchase
    • Earn 50,000 bonus miles after you spend $12,000 on purchases in the first 6 months
    • Earn 5,000 bonus miles when you add two authorized users
  • Find more information and a directlink on our Virgin Atlantic World Elite Mastercard page.

Key Card Details

  • Earn 3X on Virgin Atlantic
  • Earn 1.5X everywhere else
  • Earn 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend
  • Earn 25 tier point towards elite status per $2,500 spend (max 50 tier points per month).
  • $90 annual fee is not waived

Quick Thoughts

This is actually a really good offer in my opinion. As Greg has previously pointed out, it is possible to average 2.1 miles per dollar everywhere with this card not including the new cardmember bonus miles (See: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status). While you can sometimes do even better with other cards due to transfer bonuses, 2.1 miles per dollar is pretty stellar compared to the return on most airline credit cards. Virgin Atlantic miles are certainly more niche than most, but they have some terrific uses. For example, after completing the $12K spend required to earn this bonus, you would have a total of at least 93K miles (assuming you add two authorized users). That is enough points for round trip business class on ANA from the West Coast to Japan or almost enough from the East Coast (which requires 95K miles). If you have transferrable points to top off your account, you won’t need much more for First Class (110K round trip from the West Coast or 120K from the East Coast).

We’ve also noted that Delta availability can be easier to find via the Virgin Atlantic site (See: Finding Delta awards in calendar view (Air France is not the answer)), with Delta One Suites from Detroit to Amsterdam ringing in at 50K miles one-way or a route like Minneapolis to Tokyo in Delta One suites running 60K one-way.

Keep in mind that Virgin Atlantic has limited partnerships and availability on Delta can be hard to come by. ANA awards must be booked over the phone. Flying Club isn’t for everyone, and this offer comes around fairly often – but it’s a pretty strong offer if you value Virgin Atlantic miles.

H/T: Doctor of Credit

The post Virgin Atlantic “90K” (really 75K) offer is back appeared first on Frequent Miler.

Sapphire Reserve and Preferred move to 48 month restrictions, but 24 month links still available

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24 month restriction shown above

For a while now, both the Chase Sapphire Reserve, and Chase Sapphire Preferred have included 24 month restrictions for new signups.  The restriction reads “This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 24 months”.

Now, though, the public links for both products have moved to 48 month language: “This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months”. [Hat Tip: US Credit Card Guide]

48 month restriction shown above

Fortunately, links with 24 month language still exist.  At the time of this writing, our Sapphire Preferred link still includes 24 month language.  And, as noted by Doctor of Credit, all referral links include 24 month language.  Accordingly, we have updated our Sapphire Reserve card page with a referral link rather than an affiliate link.  When we find that the Sapphire Preferred link has changed to 48 month language, we’ll switch that one too to a referral link.

Why does this matter?

This matters only to those who received either a Sapphire Preferred or Sapphire Reserve bonus between 24 months and 48 months ago, and who were hoping to sign up for another Sapphire card soon.  And, of course, you’d have to be under 5/24.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Iberia, Aer Lingus, and Marriott Business.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status.

This change appears to be aimed at those who signed up for the Chase Sapphire Reserve 100,000 point offer between August 2016 and early 2017.  Most of us have the two year anniversary of receiving the 100K bonus coming up soon.  In my case, I’ve kept my Sapphire Reserve card open all this time and have no plans to close it, so this isn’t meaningful for me.  But, for those who cancelled their Sapphire Reserve within the first year, and were hoping to pick up another Sapphire card soon, it certainly is important.

24 Month Links

Our dedicated information pages for the Sapphire Reserve and Sapphire Preferred cards, including 24 month signup links (at least at this time), can be found here:

The post Sapphire Reserve and Preferred move to 48 month restrictions, but 24 month links still available appeared first on Frequent Miler.

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