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! Note the slight difference between the 'Best Offer' for the personal Delta Gold Card, and the '...
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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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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 1-800-971-6736 and said my real business (ProEDI) had gotten an offer of $10K ...
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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. However, their valuable hotel currency shouldn't be overlooked.  The Starwood Preferred Guest Card (SPG)  is an Amex branded card with arguably the best ‘Points per Stay’ values.  its usually a 25K bonus, and twice a year it hits 30,000 points.  Similar to Hyatt, ...
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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?

This 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 this case, its a no brainer.  You get $600 worth of travel credit*, a TSA PreCheck Credi...
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Why SouthWest RapidRewards is the Best Card for US Travel

Southwest Loves You
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 well.  The beauty of SouthWest's program is the flexi...
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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 Taxes...
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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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Last Minute Deals and Other Churning News

Sometimes an Offer 'Too Good to Be True' Might not be around for too 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.' June 2017 There's an unprecedented BEST OFFER for the SouthWest Family of cards going on just this m...
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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.  Ain't nobody got time for that. We use a simple Excel / Google Docs sheet that lists the following details: Card Name Date Opened Minimum Spend Requirement Min Spend...
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