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...
Read More

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 ...
Read More

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, ...
Read More

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 ...
Read More

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 Credit, AND 100,0...
Read More

Using Vanilla Gift Cards & Money Orders to Meet Minimum Spends

In 2016, a lot of the old fashioned 'easy' methods for MS 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 process is ...
Read More

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...
Read More

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.' March 2017 - Highest Ever SPG Bonuses for Both Cards!   35,000 Personal & Business versions ...
Read More

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...
Read More

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...
Read More