AAdvantage Aviator Card Promo – Will I Make It?

In late November, I received an email from Barclaycard to register for a promotion offering 30,000 miles for spending $2,500 each month on my AAdvantage Aviator Red MasterCard.  The promo runs from December 2015 until May 2016.  So essentially I would earn 45,000 miles after adding the 2,500 a month for 6 months.

promo

$2,500 is a lot to spend each month without doing any Manufactured Spending.  At least, for me, it is a lot to spend each month!

I got through December pretty easily thanks to a couple VISA GC purchases at Walmart.

And then this happened.

BB

Ahhhh that dreaded e-mail that we all knew was coming.  Don’t say you didn’t know.  This could not go on forever.  Eventually AMEX would wise up and realize they were losing money.

I got that e-mail on January 8 and I’m totally kicking myself for not buying a gift card the first week of January.  But I have always been very conservative in this hobby.  I don’t buy $40K worth of gift cards every month!  So my plan was to wait until the end of each month and see how short I was.  If I was within $1,000 of the $2,500 (likely) I would buy a couple gift cards to make up the difference.  That’s pretty much what I have always done.  I usually bought $1,000-$1,500 a month and paid my mortgage with it.  I rarely used Bluebird to pay off the credit card I used to buy the gift cards.  I think I did that once.  And I didn’t pay the whole balance.  I would usually pay $378.55 or some other odd amount.

So again. I am really surprised that I was shut down by Bluebird.  I have heard that some people are still going at it.  I’m not sure how they managed to stay under the radar, but at this point, I hope they ride it hard.  I know I would.

Yesterday I got this e-mail from Barclaycard.

aacard

That’s very nice.  I was wondering how (if) they were going to keep track of the monthly spending for this promo.  I WISH they had some kind of calculator on their web page so you could track your monthly purchases.  You can look up your month to date purchases, but you have to whip out the calculator to get the total.

According to my calculations, I am at $1829.26 for the month of January.  And that is with a large $1,000 purchase that I would not normally make.  So in reality I have only spent $800 so far this month.  That is probably about average for us, unless it’s Christmas time, someone’s birthday or we are on a trip.   So at $1829 for this month, I am $670 short.  I don’t see myself spending that much in the next week.  Maybe another $100-200.

Unless I buy a gift card.

I’ve been thinking about this.  People are still buying the Visa GC and then buying money orders.  I have only done that once, and it wasn’t a pleasant experience.  But I might give it another try.  Worst case, I am stuck with a $500 gift card that I will have to liquidate by regular spend.  And at that point it won’t matter because I will not be able to complete this promotion.

Do you still do any manufactured spending?  Do you think the end is nigh?

Chasing A Dream

Ouch!

Fake Dictionary, Dictionary definition of the word hubris.

 

For the first time In My Life, I was denied personal credit.  And it hurt.  Even though it’s partly my own fault; I did not heed the warnings of those who had gone before me. I just went in, balls to the wall, full of arrogance and my 808 credit score and was promptly shot down.

Let back up a bit, for some context.

Back in June, many bloggers (like MMS, and Mommy Points) and Flyer Talk reported that Chase was cracking down on approving applications for people who they felt had opened too many new accounts in the past 24 months.  And this is from ANY bank! Not just Chase.

At that time it seemed to mostly affect Ultimate Rewards earning cards such as Chase Freedom and Chase Sapphire Preferred.  The airline and hotel cards (United, Marriott, Holiday Inn etc) issued by Chase seemed to be ok for a while.

I had a busy summer.  I spent it with my family and we went on a few great trips.  I did not spend as much time as I maybe should have reading blogs and Flyer Talk (or updating my own blog).  So I knew Chase had tightened up, but I really didn’t think about it possibly getting worse.

I booked Australia!

(yay! I’ll tell you about it later!) Yes I did manage to get that done over the summer.  In fact, I booked my flight to Australia using the Delta Mobile app on my phone while we were driving down to Mammoth Cave.  If you know me at all, you know I am not comfortable doing things like that anywhere but my ginormous desktop computer.  Mobile sites just make me uneasy for some reason.  ANYWAY I am going to need some United miles and British Airways Avios for traveling within Australia and to get from Australia to Thailand.  (yes, I’ve added a whole ‘nother trip to Australia)  So I thought this would be a good time to apply for the British Airways card for myself and the United Card for Matthew.  Both had 50,000 mile sign up bonuses which would more than cover what I needed.

I applied online using a friend’s link for the British Airways card and got the dreaded screen telling me to call in to further process my application.  I didn’t think much of it. Most of my applications have been automatically approved, but I have had to call in a couple of times to verify information.

After verifying my address, SSN and phone number, the Chase agent started getting serious.  She asked about the income I stated on the application and where it comes from.  I told her most of it was from my husband, but a small percentage of it was mine from self-employment.  She asked what my “self- employment” was.  I told her I was a part time tour guide.  (this is true)  Then she put me on hold for what felt like forever while she “reviewed my credit history”.  This is when I started to sweat.  She told me I had applied for 9 cards in the past 12 months.  This is not true.  And I am almost positive she said 12 months and not 24 months.  She then asked “Why did you apply for so many cards? Why do you need so much open credit?”  I told her I don’t need that much open credit and I would be happy to shift some around to open this card.  She was having none of it and said I would not be approved.  I asked if I could close the Southwest card to get this one open.  She said “No.  You have more than enough credit for your needs”

Wow.  She was tough.  And she was not backing down.  I asked if being an Authorized User on my husband’s cards was counting in this denial and she said “No.”  Good thing, because that would have probably put me over 20!

I have always said I am a CONSERVATIVE credit card churner and “Manufactured Spender”.  And I still believe that to be true.

In the interest of full disclosure, let’s look at how many cards I have actually applied (and been approved!) for since August 2013.

August 2013 – SPG Amex

Sept 2013 – Citi AA Visa (closed), Barclays Frontier MC (closed)

March 2014 – Citi AA Executive (closed), Chase Sapphire Preferred, US Bank Club Carlson Visa

June 2014 – Wells Fargo Amex (closed)

August 2014 – Skymiles Business Gold Amex (Business card should not be counted), Chase Marriott (closed)

December 2014 – Chase Southwest Personal

January 2015 – Chase Southwest Business (again, Business card)

June 2015 – Citi AA Mastercard, BoA Alaska Airlines Visa, Barclays Frontier MC

Ok.  That’s 14 cards in the past 24 months.  But 2 business cards should not count.  So that’s 12.  She said 9.  I’m thinking maybe she did not count or see the ones from August and Sept 2013.  That would make the count accurate.

What now?

I’m a little torn over what to do now.  Should I just lay low and not apply for any cards until maybe mid-2016?  That way many of my apps will drop off.  Or should I apply for cards from other banks before the whole thing explodes?  I am leaning toward the last option.

 

Bursting-Bubble

 

I don’t want to be an alarmist, but I really think this game is dying.  I know when something dies, something new always comes along.  Every once in a while someone will say, “Do you remember a few years ago when everybody was buying coins from the US Mint?” Well, I think a few years from now people will say, “Do you remember when everybody was getting hundreds of thousands of miles from credit card sign up bonuses? Ah..those were the days”

I mean, look at what has happened recently.  American Express limits sign up bonuses to once per card per lifetime.  Citibank will not give a bonus if you have opened or closed the same card in the past 18 months.  And now Chase is not approving applications if you have opened more than 5 cards in the past 24 months.  What’s next?  Will they all eventually go the same way as American Express? Once per lifetime?

So I think this might be the time to just go for it.  Grab what you can and be happy with what you get before the bottom falls out.  And it will.  If this hobby had remained a secret society, things might still be easy.  But you’ve got too many big name bloggers spewing all the down and dirty details.  Mommy Points was on Nightline for crying out loud!  And even with all the approval crackdowns, they are still pimping their Chase Credit Card affiliate links.  At least the newbies can get some miles.

sunshine

 

Sorry.  I don’t mean to be all doom and gloom.  I think the Chase denial just got to me.  Just last month I went through all the trouble of opening a new checking account with Chase and giving up a 20 year relationship with my credit union!  Chase offered me $300 to do this, but that’s beside the point.  I also haven’t completely cut the cord with my credit union and after this mess, I probably won’t.

So let’s see what happens next.  I’m still $10 ahead from my last MS adventure with ordering American Express gift cards.  (Oh yeah…you know the portals stopped paying out cash back, right?) So I think I will buy a couple Visa Gift Cards with my Chase Sapphire and load them to RedBird.  That will give me 1,000 Ultimate Rewards points.  I need all I can get to transfer to United!  After that…who knows.  If I decide to apply for some different cards in the next couple weeks, I will let you know.

 

My “Last Hurrah” with Club Carlson – Plus a Mini AOR

Ahhhh….Club Carlson.  I have only had your credit card for 1 year now and in the beginning you were full of promises and Bonus Nights.

But now? Now you are like a cheating lover who has punched me in the heart and destroyed my faith in all hotel loyalty programs.

Too dramatic? Yeah.  Maybe.  But the past couple weeks I have been seriously stressed out by the looming devaluation of the Club Carlson Rewards Program.

It is crazy easy to earn Club Carlson points without ever staying in one of their properties.  You earn 5 points per dollar spent and they offer an 85,000 point sign up bonus for their Premier Rewards Visa Card.  After your sign up and initial spend, you’ve got a cool 97,500 points to redeem.  Factor in the Bonus Nights (R.I.P.) and you could spend 4 nights in a 4-star European hotel for just $75.  (that is the annual fee that is not waived for the first year)

Granted, their US properties are not the greatest (with a few exceptions) but many of their European properties are quite nice.

As you all know by now, the Bonus Night perk went away on June 1, 2015.  Between Matthew and myself we had about 350,000 Club Carlson points that would be worth half as much after June 1. (it was 337,000 but Matthew stayed at a Radisson on business and earned more points)  And to add insult to injury, they were also making a bunch of Category changes on June 1, with most properties moving UP a category.

I spent the last 2 weeks of May trying to decide what speculative bookings to make, hoping I would be able to make them all work.

What I Did

I am planning a trip to Australia in June 2016.  That much, I know.  I do not really know the exact dates, but I have a general idea of when I would like to go and how long I would like to stay.  I also know that I would like to end my trip in (and fly home from) Sydney.  So I took a big gamble and booked 4 nights at the Radisson Blu Plaza Hotel Sydney.  I used 50,000 miles from my account and 50,000 miles from Matthew’s account.

raddison-blu-sydney

Radisson Blu Plaza Hotel Sydney

It’s a beautiful 5 star hotel within walking distance of the Sydney Harbor Bridge and the view of some kind of  futuristic looking Opera House.

Now all I have to do is hope I can secure 3 business class seats home on Virgin Australia using Delta miles when the schedule opens up in mid July!  Of course I also have to hope that I can secure 3 business class seats on Cathay Pacific using American miles to even get there in the first place!   Hopefully all the planets align and the dates I want/need will be available.

Next up – Spring Break 2016.  This was a tough one, but yet a very easy one at the same time.  I had tossed about the idea of going to Cancun to visit Chichen Itza.  I also considered Peru and Machu Picchu.  Some kind of Mayan phase I was in, I guess.  I had also seriously considered Egypt.  Parker is fascinated with Egypt right now and has had an Egyptian themed birthday for the past 2 years! But Egypt is so hard to get to! (read: it costs more miles than I am willing to spend) I could not find what I thought was a reasonable redemption to get us to Egypt so I put it back on the shelf for a while.

I asked Parker where he would like to go for Spring Break next year (other than Egypt) and, without hesitation, he said, “Paris”.  Done and done.  You really do not have to ask me twice to go to Paris.  I am going for 2 days in October of this year, but that’s ok.

paris

So.  I booked 4 nights at the Radisson Blu Paris Champs Elysees.  50,000 points for 2 nights from each of our accounts.  Now this redemption worries me just a little bit.  The 50,000 point redemption is for a “Deluxe Room” which has one queen size bed.  The 3 of us cannot really sleep comfortably in one queen bed.  With each of us having Gold Status (by renewing the Visa card for another year) I am hoping we will be upgraded to a Business Class room with a king bed or a room that will accommodate a rollaway bed.  It’s a gamble and I know that upgrades are never a sure thing.  I could have redeemed 105,000 points for the Business Class room.  But you know I would never do that.

radisson-sas-hotel-paris-champs-elysees-paris_240920100908461791

Radisson Blu Hotel Champs Elysees Paris

My original plan was to book 6 nights at the Champs Elysees, but as luck would have it, they did not have availability for 2 nights in the middle of my stay.  My solution was to spend 2 nights at Disneyland Paris.  (Euro Disney?) At 7, I don’t think Parker will have outgrown it yet.

Using 50,000 points from Matthew’s account, I booked 2 nights at the Radisson Blu Disneyland Paris.  I’m not sure what to expect of Disneyland Paris, but I do not expect an American experience.

rdaissondisney

Radisson Blu Disneyland Paris

Matthew and I are huge geeks.  Especially when it comes to Halloween.  One of our favorite Halloween attractions is Halloween Horror Nights in Orlando, FL.

My favorite time to go is early October, but I going to Romania with my paranormal team in early October.  I also have lots of things planned for later in October so my only option for Halloween Horror Nights was the last weekend in September.  I do not have any flights booked yet (I am hoping for a deal on Frontier) so I took a chance and made a speculative booking at the Country Inn and Suites Orlando Universal.  I used 28,000 points from Matthew’s account for 2 nights.

I also made a speculative booking at Country Inn and Suites Sandusky OH over the 4th of July 2016.  Matthew’s birthday is July 4 and in the past we have gone to amusement parks for his birthday (see above statement about being geeks), so why not next year? Parker has never been to Cedar Point and he is big enough for almost all the rides. Another 28,000 points from Matthew’s account for those 2 nights.

As of May 31, I was left with about 15,0oo points in my account and Matthew had about 30,000.  I could not let them go to waste!

We love California and have gone every year for the past 10 or more years.  Since I will likely buy a Platinum Cedar Fair pass next year (to go to Cedar Point on the 4th of July), if we went to California we could go to Knott’s Berry Farm.  And of course Disneyland.  I found the Radisson Suites Hotel Buena Park which is walking distance to Knott’s Berry Farm.  Big problem though! The Radisson Buena Park was 38,000 points.  Neither of us had enough points.  Club Carlson will allow Gold Elite members to transfer points to another member’s account by calling their Customer Service Center.  The Customer Service Center is closed on weekends and the reservation agents can’t (or won’t) do it.  Remember, the Bonus Night was going away on Monday, June 1.

At this point I was determined not to lose that point redemption and went so far as to install Google Voice on my phone and call the Club Carlson Australian Customer Service Center!  I waited on hold for 18 minutes (and 36 cents) before my call was answered by their Dallas TX reservation center.  What?  Apparently the Australian Service Center was getting so many calls, they were being routed back to the US.  The lady on the line wanted to know why they were getting so many calls about transferring points.  (Really?) I told her I was actually calling Australia to talk to Customer Service and the call was routed back to her.  She said Customer Service was closed on weekends and she could not understand that it was actually Monday morning already in Australia and why in the world would I call Australia??? I hung up before wasting another 2 cents.

I woke up Monday morning, sad that I lost out on one last Bonus Night award redemption.  But wait…what’s this? Notifications on my computer that Bonus Night bookings were still going through! I hopped on the phone and had points transferred from my account to Matthew’s.  As fast as I could, I logged on to the Club Carlson site to book the Radisson Suites Buena Park.  Score! And guess what else? The Radisson Suites Buena Park actually moved DOWN a category on June 1.  So not only did I get the Bonus Night, I also saved 10,000 points!

As a side note, the Radisson Blu Paris Disneyland also moved down a category and was now 6,000 points less than what I booked it for.  I thought about canceling my reservation and rebooking at the lower rate but either my computer or the Club Carlson website was acting funky and I was afraid of losing it completely.  In my opinion, it was not worth it to potentially lose 38,000 points for the sake of maybe saving 6,000.

So…my Club Carlson Tally:

4 nights Radisson Blu Paris Champs Elysees – 100,000

2 nights Radisson Blu Paris Disneyland – 50,000

4 nights Radisson Blu Park Plaza Sydney – 100,000

2 nights Country Inn and Suites Orlando – 28,000

2 nights Country Inn and Suites Sandusky OH  – 28,000

2 nights Radisson Suites Buena Park CA – 28,000

We each have just over 10,000 points left in our accounts.  Hopefully we will be able to find some use for them in the next year or two.

Mini App – O – Rama

Because I feel like I am not doing anything if I am not actively earning miles and points, and because I just finished the minimum spend on Matthew’s most recent AOR,  I decided to do one for myself.

I don’t feel like making one of my little charts, so I will just tell you what I did.

1. Citibank AAdvantage Platinum Select Mastercard.  I will earn 50,000 AAdvantage miles after spending $3,000 in the first 3 months.  $0 annual fee for the first year.

  • Reason: you can NEVER have enough AA miles! I am using a big chunk for Cathay Pacific business class to Australia and I want to make sure I have some in the bank.

2. Bank of America Alaska Airlines Signature VISA.  I will earn 25,000 Alaska Airlines miles just for signing up.  No minimum spend required.  $75 annual fee is not waived for the first year.

  • Reason: This is not the greatest sign-up bonus but I am going to start stockpiling Alaska miles to use to get to Fiji in the next 2 years.  As of now, Alaska BOA cards are highly churnable.

3. Barclay’s Frontier Mastercard.  40,000 Frontier miles after spending $500 in the first 3 months. $69 annual fee is not waived for the first year.

  • Reason: My first thought was to use Frontier miles to get to Orlando in September for Halloween Horror Nights.  But it will depend on the fare.  If I can get a good value for the redemption, I will use the miles.  If not, I will pay cash.  I can still use the miles for a ski trip I plan to plan (“plan to plan”, I like that!) for January 2016.

I am getting 115,000 airline miles for $144.  Not the biggest or the cheapest AOR I have ever done, but I have a somewhat immediate need for these miles.

So that’s it for now! I am also working on a post about my recent Manufactured Spending experience.  Hopefully I will have that one up in the next couple days.

I know I don’t have a huge following, but for the handful of people who do read my blog – I appreciate it! Maybe if I would write more…..

Feeling Funky

I think I’m in a Miles and Points funk.  I need to apply for a Marriott Rewards Premier VISA card for my husband before his offer expires on Monday.  I was going to do that today, along with one or two other cards.  But I just don’t feel like it. 

I think part of this is caused by the fact that I have not booked our summer 2015 trip.  I still don’t have enough Delta SkyPesos for 3 business tickets.  Although I checked availability yesterday for some random dates next summer and actually found 3 business seats on Alitalia to Athens.  (which is our #1 choice) But when I was checking out the hotel options on some of the islands, I was disappointed to see that there were very few options for reward stays.  Except places like the SPG Mystique that wants 60,000 points for 1 night.  It’s beautiful but….no thanks.

mystique

SPG Mystique Santorini

So that leaves me looking for “budget” accommodations on Santorini.  With a caldera view, if you please.  Yeah, right.  Although I did find a rather nice one for about $130 per night in mid-July which is not bad at all.

As much as I despise cruises, I actually started looking at Greek Island cruises. I thought that would be a good way to see the islands without paying the crazy hotel prices on the fancy ones.  I only looked at a couple cruise lines yesterday but one of the itineraries said it arrived in Santorini (Or Mykonos…can’t remember now but it was one of the two) at 6pm and left at 11pm.  What’s up with that?  Maybe it’s a party island and people go mainly for the nightlife.  That’s not a great plan for a family.  Actually even without Parker I probably wouldn’t like that.

So I think I am at a point where I feel rather saturated with miles and points (a quick look at Award Wallet tells me we have about 1.5 million of them) and no ability to use them.  I feel saturated, but yet when I think of burning 375,000 Delta SkyPesos on 3 tickets I go into hoarding mode. I don’t want to let them go.

This is terrible.  I must snap out of this.  I think I will go ahead and apply for his Marriott card and perhaps a Frontier card as well.  I wasn’t going to mess with Frontier anymore but they have started offering some new routes out of CVG so it might be nice to have a small stash of them on hand.  Though I have a slight fear of a denial from Barclay’s because he has not used his US Airways card very much.   But I didn’t use mine much either and I was approved for the Frontier card.  And he has only applied for 2 other cards in 2014, so he doesn’t have many pulls.

If anybody reading this has been to Greece, please share some ideas with me! And keep in mind we will be traveling with a 6 year old so we need family friendly places and activities.

My Experience With Frontier Airlines.

Frontier Airlines began service to CVG in the spring of 2013 and I was excited about a low-cost carrier finally entering our market. Last fall I read a blog post about Frontier Airlines and their “great award availability”.  This seemed like a great opportunity to open a Frontier Airlines credit card! Frontier awards start at only 20,000 miles for roundtrip and you can redeem one way awards for 10,000 miles.

I added a “free one way” from CVG to LAX on the end of our Thailand tickets and I needed to find a way back from California in June 2014.  So I signed up for the Barclay’s Frontier Airlines Mastercard, which was offering 40,000 miles after spending $500 in 90 days.  Easy peasy.

TRYING to Book

So….I had 40,000 miles in my account in September 2013 and wanted to get busy booking a one way flight from LAX to CVG in June 2014.  The first thing I found out was that Frontier, like most low-cost carriers, does not release their schedule until 5-6 months out.  In Frontier’s case, it was 5 months.  And a few days.  I called every day starting on December 16 (6 months before my return flight from LAX) asking when they would release the schedule.  Every agent I talked to said they did not know exactly what date the schedule would be released.  It finally came out some time in mid January.  At this point I was very nervous because if this didn’t work out, I would be scrambling to find one way award seats on another carrier.  I like to book award tickets a year in advance, so doing it 5 months out was nerve-wracking.

Frontier serves 10 cities in California and I decided that I would be willing to fly out of any one of them.  We have family in Northern California that we could visit, so driving up for a few days would not be a big deal.

When the schedule finally opened, I looked at LAX and Orange County and award seats were 20,000 miles for one way tickets.  They did not release any 10,000 mile award seats and I was ON IT the day it was released.  I called Frontier and all they could tell me was that low level awards were not available.  I checked every city in California within a 3 day window and found NO 10,000 mile award seats.  What happened to that “great availability” the other blogger was talking about?  I waited a few days and nothing changed.  Every award seat from every city was pricing out at 20,000 miles.  I suppose it is possible they could have released some 10,000 mile seats a month or two down the road, but I was scared to wait that long.  I had to get home from California.

I could have used American AAdvantage miles for 3 one way tickets at 12,500 each.  But I value those American miles A LOT more than I value the Frontier miles.  Though I suppose a smarter Travel Hacker would have used the American miles for the better “value”.  But I just wanted to be rid of the Frontier miles because I felt they were useless.

I decided that we would drive up to San Jose to visit family for the last 4 days of our trip and fly home from there.  Since I now had to buy a one way ticket, I had to start looking at prices.  One way flights on Frontier from San Jose were over $500!  Low cost carrier you say?  The cheapest flights were out of San Francisco and I was able to book a one way  for $175 on the same flight as our award tickets.  It was not in my plans to pay for a ticket, but that’s what happened.

Since my award was 20,000 miles, it was a “Choice” award, rather than a “Standard” award.  The Choice award gives you Stretch seating with 5 to 7 more inches of legroom! This is awesome when you have a sleepy child!

frontierleg

Look at all the room!

Frontier Airlines charges for things that other airlines do not.  Like drinks, snacks and carry on bags.  With the Choice award we were given all of those things for free, plus our one checked bag was also free.

The ticket I paid for was my husband’s and I did not buy a “Classic Plus” fare that gives you all of those free amenities.  He was seated back in row 14 and would have had to pay $2 for a Coke.  And by the way, I would not mind paying $2 for a Coke if my fare was discounted hundreds of dollars less than a ticket on the Big Boys.

Baby Let Me Upgrade You

A week or so before our trip, I got an e-mail from Frontier about a schedule change.  Our original departure time was 6:10am and had now been changed to 5:55am.  The big problem was that our seat assignments were changed and I was no longer sitting next to my son.  I went online to try to change the seats back and kept getting an error message.  (Frontier’s web page is very buggy and seems to constantly freeze up) I called the Customer Service number and asked them to get our seats together.  While I had the very nice agent on the phone, I asked if it was possible to have my husband sit with us since all our seats had been changed.  Without any questions or hesitation she moved him up to Row 2 with us.  Incidentally, during the flight when the beverage cart came around the flight attendant knew he was on a standard fare and not eligible for the free Coke!

Would I Fly Frontier Airlines Again?

Possibly.  I would still try for the “cheap” awards and I would miss the amenities that come with the “Choice” awards.  But you get what you pay for.  If you want to fly for free for only 10,000 miles one way, you have to suffer a bit.  Although having to sit in a regular coach seat on Frontier would not be much different from a regular coach seat on any other airline.  And it could be even better.  The Frontier planes were very nice.  Each seat had it’s own video screen with Live DirecTV.  Yes, there was a fee, but the point is – it was available.

Barclay’s cards have historically been churn able, so I may try for another one for my husband and also get one for myself.  Here is the link for the Barclay’s Frontier World Mastercard.  I do not receive a commission if you use that link.

The only thing I don’t like is the charge for not only checked bags, but carry on bags as well.  I mean, you have to travel with Something!  There is no way ’round that with Frontier.  So is it worth it to pay $20-$50 for a checked or carry on bag to only save 2,500 miles on a one way ticket? That’s for you to decide.

Happy Travels!

Making and Meeting Spending Goals

Time to make a plan

I will be the first to admit that my spending, both regular and manufactured, has always been rather erratic.  I have written a lot about my “mad organizational skillz” and ability to keep track of multiple accounts, but when it came to setting a goal and then spending to meet that goal, I wasn’t doing it.  So I decided to write this post, not only to help my readers better understand the POINT of doing all this, but also to help myself to better organize my spending.

First I want to list the active, open credit cards in my binder for both myself and my hubby.

  • American Express Delta SkyMiles Platinum (me)
  • Chase Marriott VISA (me and hubby)
  • American Express Starwood Preferred (me and hubby)
  • Barclay’s US Airways Premier World Mastercard (me and hubby)
  • Chase IHG Holiday Inn (me and hubby)
  • Citibank American Airlines Visa (me)
  • Barclay’s Frontier Mastercard (me)
  • Bank of American Alaska Airlines Visa (hubby)
  • US Bank Club Carlson Visa (me and hubby)
  • Citibank American Airlines Executive Mastercard (me and hubby)
  • Chase Sapphire Preferred (me)

That’s 17 active credit cards.  See why organization is so important?

I am about to cancel three cards:

  1. My Barclay’s Frontier card.  Frontier awards proved very hard to redeem.
  2. Hubby’s American Express Starwood Preferred.  He has used all the points in the account and there is no benefit to renewing this card.
  3. Hubby’s Chase Marriott Card. He has earned Gold status on his own this year and next year he will apply for the Marriott Premier Rewards card which offers better benefits than the basic card he has now.

That will leave me with 14 cards to spread out my spending.

Credit-Cards

 

My (Immediate) Plans

And by “immediate” I mean within the next 2 years.

Summer of 2015 I want to take a trip to Europe.  I’m thinking most likely Croatia and either Italy or Greece.  I want to fly (business class) to Australia in 2016.  Those are my 2 big ones.  There will be some domestic trips thrown in that I will most likely just pay the airfare for (I save my miles for expensive international travel), and possibly a Caribbean or Hawaii trip on miles.  It is going to be harder to travel now with my son entering 1st grade later this year.  We will be relegated to summer travel with the masses and maybe a Christmas ski trip.  I am not opposed to pulling him out of school to travel, but I will try to keep that to a minimum.  However I do plan on taking a January or February ski trip to Whistler in the next couple of years and I will pull him out for that.

So, having said that, I need to take a look at my inventory of miles.  Between the two of us we have:

  • 384,000 American and US Air miles (that will become “one” with in the next year)
  • 51,000 Alaska Airlines Miles (these can be used on American Airlines and Delta)
  • 308,000 Delta SkyMiles

To fly Business class to Australia using American Airlines Miles, we will need 375,000 miles.  As you can see, we have more than enough to do that after the merge.  But AA miles are probably the most valuable miles out there right now, so I want to concentrate on building as many of them as I can. Especially since we have so many American Airlines and US Airways cards.

information_australia

I will use my American Airlines miles to fly my family to Australia in business class!

My trip to Europe next year will be on Delta and most likely in coach (ugh, I know), which will require 180,000 miles for 3 tickets.  Again, I have more than enough.

I want to build more Alaska miles to supplement my American and Delta totals.  I can’t combine them, but I can get one ticket from the Alaska account and the other two from the American or Delta account.  To that end, I will probably apply for an Alaska card for myself during my next round of apps this fall.

Organized Manufactured Spending

The real goldmine in Manufactured Spending (MS) is using a Chase Ink or Bold card at office supply stores and earning a 5x point bonus.  If you bought $2,000 worth of Visa gift cards per month, you would be earning 10,000 Ultimate Rewards points.  Do that for a year and you have 120,000 points.  That right there is the bread and butter of most miles and points junkies.  And some (most) do way more than $2,000 a month.

Those 120,000 (or more) Ultimate Rewards points can be transferred to United, Southwest, British Airways, Korean Air, Virgin Atlantic, Hyatt, Marriott, IHG, Ritz-Carlton and even Amtrak.

There are some of us, however, who cannot get the Chase Ink or Bold or other business cards because we do not own our own business and do not feel comfortable lying to get one.  I have a part-time job that would probably qualify me for a Business card, but I applied for a Chase Ink last summer and was denied.  That really spooked me, especially with Chase.  So I am going to lay low with Chase for awhile – at least until next year, and then I might try again.

So where does that leave me and others like me without business cards? It leaves us to only earn 1 mile/point per dollar on most cards.  That can still be worthwhile though, and is better than earning Nothing.  So basically $2,000 a month in gift cards for one year will earn you 24,000 miles/points.  That’s a lot less than 120,000! But again, still better than Nothing.  You also have to factor in the cost of doing this, which is approximately $240 on $2,000 worth of gift cards.

By the way, I am using $2,000 because that’s what *I* do, on average.  That is just enough to pay my mortgage and utility bills.  Every once in a while I will do amazon payments or money orders with gift cards, but I try not to game the system too much and risk getting myself shut down or contributing to shutting down the entire system.

So here is my plan

For the months of June through December 2014, I have made a rotation of 4 cards per month, buying one $500 gift card on each card.  The cards I will rotate are both Citibank American Airlines Executive Cards, my Citibank American Visa, Hubby’s Alaska Airlines card, my Delta SkyMiles American Express and both of our Barclay’s US Bank Mastercards.  By doing 4 different cards per month, I can spread out the spend between 4 different banks.  And notice I am avoiding Chase on all MS activities.  Flyertalk threads like this one and this one really make me stop and think.  And if I want to eventually get that Chase Ink or Bold card, I think it is in my best interest to avoid them for now.

So by the end of the year I will earn just under 10,000 American/US Air miles, 2,000 Alaska miles and 2,000 SkyMiles.  Many people will say that is not worth it.  It’s not worth the $140 I will spend on fees or the trips to Walmart.  You would have to make your own decisions on whether or not it’s worth it to you.  I do not go out of my way to go to Walmart to do this.  But chances are that at least 4-5 times a month I am going to be near a Walmart and it takes me about 10 minutes to run inside and do the deed.  I don’t see that as a big inconvenience.  When you could still buy Vanilla Reloads at CVS, the Miles and Points junkies were running around to every CVS within a 50 mile radius of their home, only earning 1 mile/point per dollar spent on them.  The difference was that they didn’t have to go to Walmart to load them.  So really, that is the only thing that has changed.

The bulk of my “everyday” spending will probably go on my Chase Sapphire Rewards card.  Except for gas and groceries which will go on the Chase IHG cards (2x points in those categories) But of course I will throw a few charges here and there on the cards I am using for MS, just for good measure.

Recurring Charges

Before I go, I want to point out that I have several recurring charges each month that are automatically billed to different credit cards.  Our Chase IHG cards are charged for our Netflix account and our cat’s Wellness Plan at the vet.  The Chase Sapphire Preferred gets Direct TV and our cell phones (for now).  And the US Bank Club Carlson card gets my son’s karate class.

I also have certain credit cards assigned to different accounts such as Groupon, iTunes, and Paypal.

The good thing about setting up these recurring payments is that I can change it any time I want to.  Usually when I get a new card and have to meet minimum spending, I will change the Direct TV and cell phone payments (since those are the highest) to go to the new card until I meet the spending requirement.

So that’s it.  That’s my Master Plan.  Do you have a Manufactured Spending or Travel Planning strategy?  If so, please share it in the comments.  I, for one, am very interested in learning more about how other people reach their goals!  I know many people are loath to talk too much about MS in public forums.  But I think the cat is long out of the bag by now and there is not much classified information left.

Happy Travels!

One last personal note…because he’s just too darn cute not to share.  We got a new dog last week! He is a 2 year old Goldendoodle that we named Bodhi.  I occasionally foster dogs through the Stray Animal Adoption Program and this boy came up needing a foster home. We love Doodles so I grabbed him up and we decided within about an hour that we wanted to keep him forever!   Welcome to the family Bodhi!

bodhi1

Bodhi

 

Run, Don’t Walk, To Sign Up for the US Airways Mastercard!

One of the Best Cards

On my page, Top 5 Credit Cards for Beginners, I listed the Barclay’s US Airways Mastercard as one of the best cards for beginners (or anybody) to get.

Application Link: US Airways Mastercard

You will earn 40,000 miles after your first purchase.  That’s it.  One and done.  Of course, Barclay’s would appreciate it if you would use their card often.  And you really should put one or two purchases on each of your cards every month, just to keep the banks happy.

usairwayscard

As you can see, in addition to the 40,000 miles, you will also get two companion certificates allowing 2 people to travel with you for only $99 each plus tax.  You also get Priority Boarding, a free checked bag and a US Airways Club day pass.  The $89 annual fee is not waived for the first year.  But $89 for 40,000 miles that can get you to the Caribbean or Hawaii – that’s a no-brainer.  You can also travel from the US to Europe in their off-peak season (Jan 15-Feb 28) for only 35,000 miles.  I have traveled to Europe in the winter many times and yes it’s chilly, but the sites are still there and the crowds are not.  It’s actually quite nice.

US Airways Award Travel Chart

All Good Things Must Come To An End

Unfortunately.  Yesterday I received a card in the mail from US Airways announcing changes to the program and the credit card after the merger with American Airlines.  These changes will most likely come in early 2015.

  • No more companion certificate.  Final companion certificates will be issued soon for current cardholders and they must be booked within 9 months and travel within 12 months.  If you apply for a card today, you will get your companion certificate after your first purchase.
  • Miles earned through credit card spend will no longer count towards Preferred Status.  When you spend $25,000 or more, they will convert 10,000 miles into Preferred Qualifying Miles toward 2015 status.  You must complete this spending by the end of 2014, as this will no longer be offered after the merge.
  • US Airways Club day pass and Membership Discount.  You will receive a Club day pass valid for 12 months to visit a US Airways Club.  But you will not receive a $75 discount coupon towards Club Membership.
  • First Class check in. Continue to enjoy First Class check-in until the end of 2014.

It’s Not All Bad News

There are some positive changes coming to the US Airways award program that are aligned with American’s AAdvantage Program.  These new benefits will be implemented in 2015.

  • 10% of your miles back.  This is a feature of American’s program that I really like.  When you redeem miles for award travel, you’ll receive 10% of your miles back into your account.  Currently US Airways offers a 5,000 mile discount on award bookings if you hold the credit card,  (i.e. 20,000 miles for a domestic ticket rather than 25,000) but only if you fly completely on US Airways metal.  I have never been able to do that.  Seems like American operated flights come up more often than not.
  • 25% off in-flight purchases.  Save 25% on your in-flight food and beverage purchases when you use your card.
  • $100 flight discount.  As a cardmember, you can earn a $100 flight discount each year in which you spend $30,000 or more in purchases and you maintain your card membership.  Not a great deal, in my opinion.
  • Additional redemption flexibility.  Enhance your award travel experience with redemption for one-way travel and First Class upgrades.

No mention of those off peak awards that both carriers currently offer.  I have used the American AAdvantage off peak awards several times to travel to the Caribbean in the fall.

Do It Now

I can’t stress enough how great of a deal this US Airways card is.   Just do it.

Happy Travels!