First I want to start, with an introduction of my friend Noah’s blog called Money Metagame. He’s jumped into gift card churning and is on pace for numbers quicker than I ever did in one year. He and I discussed this privately in emails, but he wrote up a nice post. Bank of America’s BankAmeriDeals are not the same for everyone. Noah had a 15% off Sears offer and mine was 10%. Who knew? I always thought they were the same for everyone like American Express’ Sync Offers.
I also want to reintroduce the idea of in branch credit card offers are better than online ones. We have The Miles Professor telling us about the Chase Sapphire Preferred and United MileagePlus Explorer way back when. Rapid Travel Chai also covered Citi with their Prestige card. I quickly wrote about the CitiBusiness Thank You card that was an in branch offer only now. A few weeks ago, I signed up for the CitiBusiness American Airlines credit card. My friend is a small business banker, and this was a great way to help a friend out. The in branch offer is 40,000 miles and two AAdmiral club passes. You might be asking, is Chasing The Points delusional? How is that in branch offer better than the online? Well, my friends, like Travel With Grant if you don’t ask, you don’t receive. I called Citi and asked to be matched to the 50,000 mile offer and they gave it to me. Just 5,000 miles to my personal card and 5,000 to the business card. So now I have the matched offer and 2 club passes.
Speaking of the CitiBusiness Thank You card, I want to remind you that it has “rotating” spend bonus categories. It turns out those rotating categories are not like our normal ones we’re used to seeing from Chase Freedom, Discover, or even US Bank’s Cash+. With the first two, the banks choose our categories and US Bank lets us choose our own. With Citi, they choose for us, but the categories never change. From the press release about the Thank You business card:
January – March: Office Supply merchants, Advertising services, and Professional services
April – June: Computer Equipment and Software merchants, Telecommunications merchants
July – September: Hotels, Airlines, Car Rental merchants
October – December: Restaurants and Entertainment
That’s it, those are the rotating categories, they don’t change. Here’s a picture I snapped when I applied for the CitiBusiness AA card for further proof:
If you have an HSBC Platinum MasterCard, you could be earning 2% with their latest offer.
Finally, I have one that’s interesting with PayPal, but you’ll need to read it on the Forum because it has me confused and due to its sensitive nature and I don’t know how to replicate it.