Credit Card Strategy Consulting for Businesses

El Yunque
Business Travel Consulting   There are a few different types of organizations that can use Credit Card Points to their advantage: Companies who send employees to conferences, trade shows, and training seminars Organizations who provide on-site consultants to their clients Larger enterprises that handle accommodations and flights for their internal personnel Small...
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Travel Hacking Basics

Intro to Travel Hacking If you're like most people, you WANT to Travel more, but simply don't have the funds.  An average US vacation can cost around $500 per person for a flight, plus a couple hundred dollars or so a night for hotels.  Thrown in car rental and even a trip to Florida becomes cost prohibitive to the average person who doesn't have an extra $2,500 lying around. ...
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American Express $100/$200 Airline Reimbursement Airline Gift Card Options

Best Options for your Amex Airline Fee Credit Certain American Express Cards will give you an ANNUAL 'Credit' Towards airline incidentals like luggage fees, drinks, seat upgrades, and other NON-Ticket items...  This benefit is often ignored because you have to choose your 'favorite airline' and then pay for the services with your Amex card.  However, This annual benefit is act...
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Best Amex Credit Card Sign Up Bonuses

American Express Credit Card Offers As we've mentioned before, all bonuses change monthly*, so you're goal is to sign up when the offer is at its historical highest if possible.  Remember, American Express only allows you to get a Sign Up Bonus ONCE in a lifetime, so make it count! American Express Business Rewards Gold Card The Amex  Biz GOLD Card is a lot more attr...
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Traveling to San Francisco with a Toddler

CLEveland to SanFranciscO for Free Using United Points A couple of years ago, planning a trip anywhere in the world for us was fairly easy.  Now however, we have a 1.5 year old with us, and he's not too fond of 12 hour drives in the car or long layovers.  We waited 2 years to take our son Leo on his first flight, but you can fly with a child older than 2 weeks without any issu...
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AMEX Reimbursement Times

Many Credit Cards offer off perks like 'Free TSA Pre-Check' and 'Free Travel Credits' for certain designated items like Luggage, Flight Changes, or drinks/snacks bought during flight.  The Amex Gold and Platinum Cards include a $100 or $200 'Travel Credit' that technically can't be used to buy regular airline tickets... But you CAN buy a SouthWest or other brands of Gift Cards ...
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Credit Card Application Rules to Be Aware Of

Amex, Chase, and Citi Application Rules to Know As we discussed in the Chase 5/24 Post, Chase doesn't take too kindly to folks opening up a lot of NON-Business Cards in the lats 2 years... However they aren't the only ones to frown upon this hobby.  While they have the strictest of the 'rules' to limit Credit Card Churning, their competitors implement similar tactics that you ...
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The Infamous Chase 5/24 Rule

In the 'Free Travel' Game, Chase is regarded as the Best Card Issuer out there, as they have a bulk of the market share and tie ins with many hotels and airlines, PLUS a few amazing cards that earn 'Ultimate Rewards' Points. Unfortunately - Chase does not take too kindly to our gaming the system and winning Free Trips on their behalf.  They have to balance their love of mone...
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Amex Biz Platinum – $10K Spend for 100K Points Phone Trick

The current (Average) Offer for the American Express Platinum Card is spend $10K, get 50,000 Points, and another 25,000 points when you spend another $10 Grand in THREE Months.  Even with Manufactured Spending this would be tricky, but for some folks, there's an alternative.   I called  855-854-2682.  [old # was 1-800-971-6736]  and said my real business (ProEDI)...
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How to Use Vanilla Gift Cards & Money Orders to Meet Minimum Spends

A lot of the old fashioned 'easy' methods for Manufactured Spending are no longer viable.  However, there is still one tried and true method that only involves a little more work.  This option involves using your new CC to buy Visa Gift Cards, and then using the VGCs to buy Money Orders, which themselves can be used as fungible cash or deposited back into your account. The...
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SPG Card – Points Worth Considering

When you mention 'SPG Points' -  A lot of people will look at you like a dog who's just been shown a card trick.  UPDATE August 2018 - SPG Points have Merged with Marriott Points.  If you had SPG Points, they were automatically converted to the combined brand at a 3:1 ratio. The SPG Business card still still exists though, and you can snag an easy 100,000 Marriott Points by ...
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A Quick Way to Top off your American Airlines Points

If you find yourself in a situation where you have say 12,100 American Airlines Points, and want to buy a one-way ticket for 12,500... You might be able to just 'use your AA CitiAdvantage Card to buy $400 worth of stuff'.  But what if you've recently canceled your card?  Fear Not.  You can make a donation to various Charities that pay out 10x AA points per dollar... The points ...
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Chase Sapphire Reserve – The Best Card Ever?

Last August Chase tried to blow past their competition by offering the undisputed 'Best Card Ever'  - The Chase Sapphire Reserve. Normally when someone asks 'which is the best card for me?' I tell them it depends on their travel goals... but in many cases its the new'ish Chase Sapphire Reserve featured here.  You get $600 worth of travel credit*, a TSA PreCheck Credit, A...
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Why SouthWest RapidRewards is the Best Card for US Travel

Southwest Loves You
Is SouthWest the Best Frequent Flier Credit Card? When people ask me ''What's the Best Card to earn Miles on?"  I usually ask where it is they want to go.  If its within the US including Puerto Rico, then the answer is by far any of SouthWest's RapidRewards cards from Chase.  They service all major cities, and include routes to Cancun, Punta Cana,  Montego Bay and Nassau as we...
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How to Meet Credit Card Minimum Spend Requirements Quickly!

our haul from Japan
How to Meet Min Spend Requirements Easily The 1st thing most people ask when they get into the 'Travel Hacking' game is 'How am I going to spend $2,000  or in some cases $5,000 in 3 months?  If I had that kind of money lying around I wouldn't be tryin' to Travel for FREE in the 1st place!'  Fear not my friend, there are ways around that.  Some which essentially don't includ...
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How and Why to Get the SouthWest Companion Pass

Companion Pass Closeup
If you're here, its because you have at least one friend (or God-willing, a Loved one) and want to travel the US/Caribbean with them for FREEish.  The Companion Pass basics are outlined in SouthWest's own words below: If that's unclear, what it means is that when YOU buy a ticket with EITHER Points OR real Money, your Companion gets to hitch a ride for FREE!*  Less the T...
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Credit Score Details – Churning FAQ

Most people immediately think opening 5 credit cards in a year as damning to your Credit Score.  The irony is is the opposite is often true. Credit scores are calculated by looking at the data found in a credit report. This includes the following: Payment history Length of credit history Credit utilization (total available credit / credit used) Types of credit used (revol...
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Current Deals and Other Churning News

Sometimes a new Credit Card Sign-Up Offer might seem 'Too Good to Be True' - and might not be around for long.  If that's the case you have to strike while the iron is hot.  Here you can find a list of Last Minute Opportunities and Current Deals that may be Expiring Soon , as well as news relevant to 'Churning.' If you're NEW to Churning Credit Cards for Free Vacations, be s...
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Keeping Track of your Credit Cards

Its Important to know when you open and close each card you apply for.  The Annual Fee on most cards can be removed if you wait more than 12 months, but that requires a call to Customer Service.  After 13, you might not get your annual fee back.  If you cancel AFTER the fee hits, you might get a free Hotel Night or other benefit, OR a Retention Offer ($ or Points) IF you call C...
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