Category: credit cards

Something that might hold up your US Bank FlexPerks application (or other US Bank applications)

August 24, 2016 / / 2 Comments

EDIT: The referral link for the US Bank FlexPerks does NOT give the full Olympic bonus. We’re really sorry to anyone who applied through our link–if it makes you feel better, we also applied using a referral link and will not be getting the promo bonus either. Be sure to use the normal application link to qualify for the promotion.

I applied for the US Bank FlexPerks Travel Rewards card the other day. Now the Olympics is over, the bonus is 34,800 points (20,000 is the standard bonus, plus 14,800 for the medals Team USA won), which is a great offer. Continue reading →

Confirmed: Fidelity Visa is a Flexperks card…with a catch

July 12, 2016 / / 3 Comments

A lot of hoopla has been made over the fate of the Fidelity Amex card, whose portfolio was bought by Elan Financial Services (a US Bank subsidiary), with the cards being reissued as Visas. In particular, many wondered and speculated that the card would earn (or be convertible to) Flexpoints, US Bank’s pseudo-fixed value rewards currency. Doctor of Credit has a great explanation of them here, but I’ve included the award chart for reference: Continue reading →

Grab all e-gift card codes from Discover with this trick!

July 8, 2016 / / 4 Comments

Now that the Discover Double Cashback is finally coming in, you may be looking into redeeming your Discover cashback in various ways, such as gift cards. But say you’ve just redeemed for a bunch of gift cards, and you want to easily grab the codes off the redemption page. Normally this would involve a lot of copy and pasting while switching back and forth between windows, but I’ve wrote a simple script so you can grab ALL the e-gift codes and PINs straight from the page. Continue reading →

BBVA update: the party is on!

June 23, 2016 / / 4 Comments

During the last two BBVA promo periods before the current one, it was discovered that BBVA gives 5x for ALL purchases, not just physical swipes. However, BBVA was very inconsistent about when you would get the 5x rewards. Often, purchases would post at 1x rewards then some indeterminate time later, would post at 5x rewards.

This lead to some fears and confusion during this current BBVA NBA finals promo period of what actually would post at 5x versus 1x. As of Monday/Tuesday, I had a bunch of purchases post in my account, but only some of them posted as 5x, and it was very inconsistent which ones received the extra bonus or not. My Target.com VGCs, Giftcards.com didn’t post, but somehow my tax payment and Giftcardmall purchases did. And funnily enough, some *actual* physical swipes didn’t either. Continue reading →

The Real Deal with Rental Car Insurance

June 22, 2016 / / 4 Comments

Hello! Good day! I’m still alive!

For those of you who follow the blog regularly, you’ll know that I haven’t posted in a while and may be wondering where the heck I went. Well, long story short, I felt like I didn’t have anything particularly interesting to share, and since Michael and Esther were kicking ass with their recent posts, I didn’t feel any need to pipe in. This has definitely been a huge benefit to co-authoring a blog, since none of us feel pressured to write and we can still manage to keep up content with one or two of us writing at a time. Continue reading →

Is 5x Ultimate Rewards at CardCash dead?

June 20, 2016 / / 1 Comment

I’ve been using CardCash over the last year or so to buy discounted gift cards while also getting 5x Ultimate Rewards through my Chase Ink card. CardCash, whether paid through PayPal or paid directly, would code as Utilities and earn 5x Ultimate Rewards with Chase Ink.

From recent datapoints from people I know, as well as my own personal datapoints, it seems like on 6/16, CardCash has started to code as Recreation instead and only earn 1x Ultimate Rewards points. Continue reading →

Applied for the PayPal Extras MasterCard from the wrong account? It can be fixed!

June 10, 2016 / / 1 Comment

A month or two ago, I wanted to add my PayPal Extras MasterCard as a backup method for my PayPal Business Debit card for that sweet, sweet extra cashback. I had an existing PayPal Business Debit card, so I went to apply for the PayPal Extras MasterCard. You are allowed to have 2 PayPal accounts, so I went to make sure which account had the Business Debit card on it first before applying, or so I thought. Continue reading →

Using Excel’s Solver Function to determine which Citi transactions earned bonus points

June 4, 2016 / / 12 Comments

Hello! Today I have decided to tackle an annoying problem: determining which transactions on my Citi AT&T Access More statement earned 3X bonus points at retail and travel websites (yes, nerdy thing to do). While I’m only concerned about the AT&T card in today’s post, this frustration also applies to other Citi cards that earn Thank You Points, such as Citi Prestige, Premier, Forward, etc. Knowing what counts or doesn’t count for bonus points will help all of us build a valuable database of transactions that are eligible for this generous card, such as the one that Miles to Memories started, and this one from Doctor of Credit. Continue reading →

And the Citi AA Platinum Select World Elite loophole with targeted mailers keeps chugging along

June 3, 2016 / / 11 Comments

Back in February, there were fears that the Citi AA Platinum Select World Elite loophole was dead. I did my 3rd round right about when the reports that public links would not trigger the bonus. Fortunately, I applied with a targeted mailer and I did receive the signup bonus. Data points collected in March suggested that public links were failing, targeted links had a mixed success rate, and targeted mailers had a 100% success rate. Continue reading →

Some great credit card offers are back! Amex Platinum 100k and Citi AA 50k

May 9, 2016 / / 0 Comments

EDIT: That was fast, as expected. The Amex Platinum link is now down.

Via ChetHazelEyes through reddit r/churning, the American Express Platinum 100k offer is back publicly. It is 100k Membership Rewards points after spending $3k in the first 3 months. I applied, was approved over recon, and confirmed the bonus offer.

You can access the offer through this link:

https://www.americanexpress.com/us/credit-cards/personal-card-application/platinum-charge-card/45680-10-0-9FDBCE6021906661337CD8A012DD6469F630B68437904BAA-200002-?om_rid=NwDghd&om_mid=_BWhgfQB8z9YWiL&om_lid=axp19 Continue reading →

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