Archive for the ‘Capital One’ Category

Philemer, the moderator of the credit card forums on Flyertalk, asked me to write a post he could refer to when he receives questions from new members regarding my churning schedule.

I get asked all the time how often and how many credit cards I churn. Here is my simple equation, which has worked successfully for the past three years.

I know that, in the short run, card issuers will allow you more frequent applications IE (Chase allows one per month). But I’m interested in a long-term strategy.

I churn cards every 90 days plus one day, and do the applications for the next batch all on the same day. My reasoning is:

By waiting 90 days between applications, I have never been denied for “too many recent inquiries.” That time break between applications seems sufficient to alleviate that denial.

I do the applications all on the same day so that, hopefully, all of the card issuers are pulling their credit reports on that same day and they can’t see the others being done on the same day.

I am a fan of one personal card application per card issuer in each churn and, if available, one business card per issuer if there are sufficiently good offers. The main players are Citi, Chase, American Express, Bank of America, and Barclays. A perfect churn would be five personal and five business cards if there were enough good offers.

Each card is new and different. Most card issuers now only allow one sign-up bonus per individual card type. Some cards have been known to give the sign-up bonus over and over again. I love the state of Alaska;)

Once a credit card has been closed for two years, American Express considers a new application, a new card applicant, eligible for another sign-up bonus for the same card type.

Of course, the system tends to go haywire when we see a big limited-time offer like a British Airways 100,000 miles offer. But barring that happening too often, the above system has been extremely successful for me. In the event of a monster offer, I just break my plan and try for the biggie, then revert back to my 90-day schedule.

30,000 Delta Miles No First Year Fee

Every time something exposes our hobby to the masses, we hear from the naysayers to growth. I was in the barrel last week after the “Nightline” piece aired. Daily visits to the blog jumped up to 13,000 from the usual 5000-6000 — an extremely small percentage of the five million who saw the piece. Mr. Pickles has been scorned with the Wall Street Journal. Brian will be soon again, and every rookie who called the airline while a deal was still live has been the object of scorn as well. For this blog article and this article only, let’s assume this scenario:

Anyone who joined or lurked on Flyertalk after August 1, 2001 is banned from Flyertalk. They never saw any of the info, as Flyertalk closed it’s doors to new members and lurkers that day. It became a closed, exclusive community. (Wow am I lucky. I joined in July of 2001.) Everybody else is shut out and none of you got free travel from the information on Flyertalk. The veterans who joined Flyertalk before August 2001 shut you out. NO more newbies. 95 percent of you don’t have the information that has allowed you to see the world.

What would our fictional community of then 15,000 members have missed by closing our doors to the additional 340,000 “newbies” who have joined since then? We would have missed the contributions of the 2200% increase in membership.

The Mint deal would still be going on. Anthonyanthony, the original poster, joined in 2000, so that deal would have lived and still been going on. Most — 95 percent of you — wouldn’t know about it, and the volume of activity would be so little that we would have a perpetual miles machine. Sorry, closed community. If you joined after August 2001, you can’t play.

Gary from the View from the Wing blog posted his 10 best Mistake Fares last week, all of which were after 2001. Were they found by you newbies? Probably more than half were.

There would be no Lucky9876coins (join date Dec. 2004), Raffles Longhaul sorry (another newbie, (2008), thepointsguy, millionmilesecrets, Tassojunior, hobo13, arizona guy, and the list goes on and on. All have made valuable contributions, but because the existing members as of August 1, 2001, didn’t allow new members, “no deals for you.”

My point is that the timeline for all of us is different. To Beaubo, I’m a newbie. And to the guys and gals that joined in 2010, the newcomers this year (2011) are newbies. But we all need the contributions from the newbies, however new they are. They soon become the seasoned veterans and help those who follow behind them.

I do agree with the naysayers in one respect. Newbies who want the info handed to them on a silver platter are not contributing to the community. When I started, if you didn’t show evidence that you had tried to research the topic, the old timers back then blew you off. My point here — and it has drawn some controversy — is: Don’t hand it to them on a silver platter. I commented on bloggers in the past, that I thought they went too far on several occasions by handing it out on a step by step silver platter. I agree with the naysayers: If we just give it away, it will get screwed up by the non-involved “takers.” Am I guilty of giving too much away? I probably have been, but I try to reserve “the process” to an email or PM with somebody who has shown some initiative.

And those who think we do this just for the publicity and profit are sadly mistaken. I posted info for three years before ever receiving a credit card referral. Gary Leff blogged for almost 10 years before he did. Now all the bloggers are receiving referrals. I just happened to “get it” before the other guys. Should I try to invoke the rule “sorry, no referrals for you newbies to referrals”? Of course not. I have no right to do so, anymore than we do to keep out “newbies.”


Now back to reality. The Flyertalk, Milepoint, blogging and travel hacking community is re-opened to all again. No cut-off date for membership. Welcome to everyone. But don’t expect the info to be handed to you. Be willing to do your own research and then give back to the community. I’m confident the “newbie” who joins today will provide us all with information in the future.

The past has proven that point to be true.

50,000 Thank You Points, $2,500 minimum spend !

Sunday Success Story

Posted by Sunday, November 27, 2011, No Comments

Dear Rick,

I just want to say thank you for starting my hobby!  I am a stay-at-home mom with three kids. I used to work, travelled a lot and loved it! Thanks to your blog, along with some of the others that you have suggested, we are still able to travel. Here is our upcoming trip that I am SO excited about next week!

  • Two airline tickets on American Airlines from CLE-MIE. Used points from the 75,000 offers that both my husband and I got earlier this year w/ the Citi AAdvantage card.
  • One night hotel stay at the Sheraton Miami Airport hotel. Used 4000 SPG points. Thanks for the Starwood AMEX cards we opened.
  • Three nights at the Hyatt Key West resort and spa. Used our free nights for opening the Hyatt card.
  • Car rental through autoslash.com. I booked this several months ago. They’ve found a cheaper rate three times! We are getting an intermediate size car. Went from $185 then down to $177, now down to $135 just today! That is $22 per day, plus all of the taxes! We are splitting this with another couple so it will cost us less than $70 and gas of course.
The best part is, we get to be in Key West with family and be a part of our cousin’s wedding and get to spend some kid-free time with family—which we haven’t done in YEARS!  Oh, and of course, being there for a wedding has it’s perks: free meals for the rehearsal dinner and the wedding!  J 
I’m also planning a girls’ weekend in NYC with my daughter! Redeemed some Chase points for Amtrak points. We are visiting wtih some family in DC and will be taking the train from DC to NYC. Booked some more free nights at hotels. More importantly, I’m creating wonderful memories for my little girl!
Now I’m hoping to use our Hyatt points (that we transferred from Chase Sapphire) for a fabulous family vacation sometime within the near future!
Thanks again!!

Jessica H.

Back to Beijing I Go

Posted by Monday, November 14, 2011, No Comments

the impromptu Beijing DO, photo by Andrew Ingersoll

I pulled the trigger on a mileage run to China. It is a four-day affair with two days in Beijing and upgraded to business class with my last two EVIPS on American. I’m taking the trip for the sole purpose of meeting the Executive Platinum Challenge offered to those on the OneWorld MegaDO. If I earn 20,000 EQM’s between October 9, 2011, and January 13, 2012, American will match my 1K status with United to their top tier and I earn eight system-wide upgrades good on any fare. Oh Yeah!

Dave (Bikeguy) gave me the final push on doing this trip. With our retired lifestyle and the flexibility it affords us, we can do four overseas trips in business class at coach prices on American. Remember, their upgrades are good on any fare class. Thanks, Dave.

I never obsessed so long and hard on a promo as I did on this one. I just got my ExpertFlyer membership, after all these years, and got a hands-on learning experience looking for “C” class upgrades. It took me forever to find something I wanted. I had a reader and friend offer me extra upgrades he had so I could do it in two trips instead of one. Remember, I gave the Points Guy two of my upgrades so he could do the same thing. I looked into Frankfort, Madrid, Barcelona, Paris, Tokyo, London, and Shanghai. I like international premium cabins for mileage running and over-nighting is the best way to earn EQMs. If I can sleep six to eight hours on a flight at 500 miles per hour, I’m racking them up while dreaming away.

My total fare was $1267, which is, indeed, a chunk. But it pales in comparison to the value Katy and I will receive with those upgrades. And I’m in lay-flat, or close to lay-flat seats, for most of my journey.

Any type of meat on a stick awaits in Beijing, photo by Andrew

My Chinese visa from my June trip this year is still valid until April 2012 and the visa expediter got me a multiple entry visa, so no issues there.

I think with the intermediate US stops up to and back from Chicago, where the flight originates, I’ll earn about 16,000 EQM’s. I can knock out the remaining 4K on a short mileage run in the US.

Anybody want to join me for a few days in China in December? It’s a great fare and there is more upgrade space available. Another OneWorld MegaDO participant? Anyone?

Increase Delta Skymiles Bonus Now 30,000 Miles for $500 Minimum Spend No First Year Fee Click Through to See the 30,000 Miles Offer. Copy and Print it

Chicago Seminars Review

Posted by Monday, October 31, 2011, 4 Comments

We all had a fun-filled weekend and I was so glad to see all of you who made it, and hope to see those who missed it next year. Unfortunately, I’ve fallen behind on answering emails and moderating comments and will try to catch up in the next day or two.

My interview with ABC Nightline was a blast. After some preliminary duties at the hotel, I drove over to O’Hare Airport with segment producer Elizabeth, cameraman Bob, and sound guy Rene to meet John Donvan, the reporter. John is indeed a mileage-and-points guy and was as easy to talk with as any one of you. It is all a passion for us and John has the bug like all of you!

We were whisked through security by Steve, the supervisor of Global Services in Chicago, and wre joined also by a member of the United team downtown at headquarters. We shot segments in the United Club, walking the hallways of B concourse, the tunnel to C concourse, the Premier Access line and security line, and down by baggage claim.

The highlight segment for both of us was the time we spent in the first class cabin of a 747 headed to China, I think, before passenger boarding began. Everybody from United was very helpful. The camera guy, Bob, sound guy Rene, and producer Elizabeth understood more about “the game” after seeing the first suites seat on the 747. It is a terrific way to fly. I caught them talking to other attendees most of the afternoon and learning some of the tricks of the trade. The expected airing is sometime around Thanksgiving. I can’t wait to hear the stories that Nightline picked from our attendees to air.

The seminars themselves and interaction with all the attendees was such a positive experience for me. I watched people saving money within the first hour of the gang starting to arrive. Howie was the first I saw to receive a great tip. The initial estimate was that it would save him $4000+ per year on hotel rooms. I’m looking forward to that post and expect Howie will have it up tomorrow or next Tuesday.

We had great reactions to all the seminars. In particular, the moderated breakout sessions by airline or hotel program seemed really popular. How often do you get to sit and share your experiences and knowledge with like-minded people in your favorite program? Will modify it a little in the future with a better acoustics situation and the chance to jump from session to session.

We are learning and hope to further improve the program next year with some new speakers and fresh material. If you have a topic you’d like to see covered, speak up now as we are already working on next year. More to come on that.

On behalf of Win Schaefer and myself, thank you to all the volunteers, speakers, and sponsors for your effort and time. And thanks to all the attendees this year. Our proposed dates for next year are mid-September, and I’m guessing we will all be in one large hotel on the blue line closer to O’Hare.

First Year Fee Waived: 50,000 Points Transferable to Hyatt, Marriott, Priority Club, Continental and British Airways

UPDATE:  6:30PM You wore me out. I had 117 comments and I listed approximately 31 different credit cards with $1000 or less minimum spend. I did not list the foreign airlines cards or cruise cards or cards I thought were not travel related. I did include all unique cards in the drawing for the $200 of Marriott Gift cards. The winner of the $200 of gift cards is: Dale Rausch for the Best Western Rewards card. Congrats Dale. Send me your email

“Occupy Wall Street” has gone world-wide, spreading across the U.S and other countries. It seems we have a division in the masses. No kidding. I’m not going to get political here, I promise, but we are seeing the same thing in credit card sign-ups as well.

Have you noticed the huge disparity in the minimum spends for new credit cards? They run from earning your sign-up bonus after the first purchase to a $10,000 in minimum spend with the last $5000 being required six months after you get the card. Ugh

What can we do about it? All we can do is tailor our multicard churns to include cards that have a total required minimum spend that we can reasonably deal with. The card issuers are holding all the cards, literally and figuratively. We must take into account our credit card spending ability within a specified time period. I’m all for the little guy and the newbie just starting out with churning. Or those that are concerned about messing with their credit. Let’s start them small.

To that end, let’s all take a minute to list the travel rewards cards with minimum spends of less than $1000 in the comments section today as a contest. The first person to list a given low minimum spend credit card will be eligible and only one card entry per individual. I’ll start and cheat by giving two. What the heck. It is my blog. Here are my examples of two low minimum spend cards:

Marriott Rewards® Premier Credit Card with first purchase qualifying for the 50K sign-up and no annual fee first year.

And Citi® Hilton HHonors™ Visa Signature® Card which requires a $1000 minimum spend within a four month time frame. No annual fee first year.

So add to the list with the card’s exact name, minimum spend, time limit to achieve the spend, link if you have it, and the first year fee. (no targeted offers please). We’ll then random-draw from the comments that first list a unique card with the above info. The prize: $200 in Marriott Gift cards.  Remember If you see the card already listed in the comments, don’t list it again. It won’t win the contest. First tipster only for each new entry

When we’re done, Howie will replace the Chicago Seminars tab on top of the blog and organize it by minimum spend amount, low to high. That should be helpful to everyone. And after we get all the low minimum spend cards, we can move to the middle tier; $1000 to $5000 minimum spend and have another reader contest.

Chase Ink Bold Card:  50,000 Ultimate Reward Points, 1st Year Fee Waived!

I’m at about 20 “hits” if they all post. My next four “hits” will earn me another 10,000 miles and the four after that will earn me 15K more miles. The farther you get into this promo the more you can afford to pay for “hits.” Right now I’m willing to pay about $25 per “hit” with four hits, costing $100 and worth 10,000 miles, or a penny a mile. My interest will peak and my willingness to spend more will increase when I reach 24 “hits” and have the opportunity for 15,000 more miles at the 28 hits level. From there I can spend even more and make it worthwhile. The levels from 28 to 32 and 32 to 36 are the biggies, giving me 20,000 miles per level achieved. I don’t see 36 hits in my future as a first-time-around-guy paying out of my own pocket.

Not factoring my time, which I know I should, I rented two cars here on Hilton Head for about $30 per day all in, which is just over my imposed limit of $25 per hit. I got them back to back — one from National on Saturday and one from Alamo on Sunday — and never had to take them off the lot. I wish there were more car rental agencies at HHH.

I’m glad Office Max got their stuff together so I could pick up that hit. My Points.com membership is so screwed up and they won’t return my emails. I may miss the easy four American Airlines  to one US Airways mile. It may take opening another account to go through the Asia miles transfers process to pick up that one. And life is just too short to do the Emiles and E-Rewards things. I can’t spend all day doing surveys. I’m retired. I need my nap and afternoon snack.

Can you find us all a couple more cheapies, please? Maybe 28 or 32 “hits” are possible. I need some help.

Chicago Seminars are 25 Days Away and You Have 11 Days Left to Register

Sneaking up on us and now less than one month away is the largest gathering of frequent flyer junkies on the planet. I get asked all the time, “What is the best tip you can give me to get in this game?” My answer is: Network with other like-minded souls. And this is the place to do it. Registration is all of $75 and includes lunch and coffee breaks both days. Make it a point to come meet some of your fellow travel hackers. You’ll have a great time and learn a trick or two.

First Year Fee Waived: 50,000 Points Transferable to Hyatt, Marriott, Priority Club, Continental and British Airways

InterContinetal Hotel Group Best Price Guarantee

Posted by Monday, September 26, 2011, No Comments

It is so refreshing to see a major chain — InterContinental Hotels Group (IHG), Holiday Inn — step up to the plate with a meaningful Best Price Guarantee. In essence, it is the same guarantee offered years ago by the Trip Rewards people. If you found a cheaper price for the same exact hotel room with the same rate restrictions on another website, filed your claim within 24 hours and the claim was approved, your hotel room was free. I stayed lots of free nights back then and hope that many of you will as well with this program.

The key to your success is to find the cheaper rate before you actually book your room on an approved IHG group website. Remember everything must be exactly the same as far as the room type and room rate restrictions. And if you are going to be in a given town more than one night, look for more than one hotel best-price guarantee and hotel hop for more free nights.

Start by looking for your hotel room using Kayak.com or HotelsCombined.com. They are hotel aggregator sites that show the room rates from many third-party sites. You’re looking for rates that are cheaper than the rates quoted by the IHG group website. Refundable rates must be matched against refundable rates and non-refundable against non-refundable.

The game is actually fun and the results should be automatic as you can call in your claim once you have found a winner. You can also fill out an online claim form, but I want to know right now if they are going to honor my claim. I tend to make refundable reservations for hotel rooms just in case my guarantee is not approved.

Have fun and let us all know how the claims process works for you — either the online form or phone-in procedure.

We’re Off to Orlando Today

We’re driving down to the  Hyatt Regency Grand Cypress just outside the gates of Disney World for a 5 night mistake fare vacation. I booked this room in September of 2010 at the outlandish price of $29 per night. For months I’ve been trying to give this hotel reservation to friends as we expected to still be waiting for grand baby Carter this week, but when he decided to come early, it opened up a chance for us to get a cheapie Hyatt stay at what I hope is a nice first class resort. The rate mistake lasted about 36 hours IIRC correctly. We have 12.5% tax on top and probably a resort fee as well. I’m registered for the 5000 point bonus for a three night stay promo and as this is the “daily rate” hope I qualify.

We’ll send photos and a report on arrival and a quick explore around the area. Disney World, here comes your biggest Mouseketeer, especially “It’s a Small Small World”  I won’t get that song out of my head for at least 60 days. And Katybug will get her first visit to: “Its a Bug’s life”


American Express Premier Rewards 15,000 Membership Rewards Points, NO First Year Fee 3X Airfare 2X Gas and Groceries

US Airways Offering Double Miles on Miles Purchases Until 9/15/11

2.75 cents each plus taxes divided by two with the bonus brings them down to about 1.4 cents each. Not free, but they are redeemable on all Star Alliance carriers.

Brian, the PointsGuy, posted last week about the play he is using with the Chase Freedom card and the Chase Sapphire℠ Preferred Card. The Freedom card provides bonus categories that change every 90 days. With the two newer Citi cards, Forward and Preferred, they are constant with Preferred highlighting groceries and Forward highlighting dining as there primary bonus categories.

The bonus categories are only for one year with Citi. Hopefully they will see the error of their way as the Chase Freedom card offers bonuses for the life of the card.
David B perfectly explains this terrific option with the competing Citi Thank You points program and, throws out a 2-1 on Hyatt gift cards as well (below).
This type of promotion and bonus category play will bring back to life the bank affiliated card programs and increase our day-to-day earnings to five points per dollar or more.
Now if we can just get Citi and Chase to throw in decent sign-up bonuses on their respective Forward, Preferred, and Freedom cards, they will start to capture the market share they so desire.

 

Rick:

I want to make you aware of a decent Thank You point redemption. There is a promo for Hyatt Gift Checks redemption: Redeem 10,000 TY points for $100 gift check and get another $100 gift check free. Looks like it’s for US hotels only. I will confirm as soon as mine arrive. This improves the standard $.01 value to $.02, but don’t forget that the earned Hyatt points are free. Also, I applied for the Citi Preferred TY card with the 26K bonus. It did not come with the five points for gas and groceries, but I called and mailed in screen shots of the “other” offer for five points on gas and groceries for the first 12 months. Citi replied by adding the five points promo! And my first statement included the 26K!

Now for the gravy: Kroger supermarkets sell $500 Visa and AMEX cards for $5.95, good everywhere in US. I even bought coins with them. Now all my purchases for anything go through these cards. Five TY PPD! Kroger’s loyalty program gives two points per dollar on gift card purchases. A thousand Kroger points means $1 off per gallon of gas, up to 35 gallons, per fill-up. I can have my kids meet me at the pump with another car to max out close to 30 gallons or more. In short, each $500 gift card for $5.95 nets me $20-$29 dollars off a gas fill-up and 2500 TY points. I am not a big spender, but with Amazon payments I plan to bring in 30,000 TY points a month! Hope something like this available to you! Also great with the Hilton AMEX card! Thank you!

HYATT T and C’s below:
SPECIAL LIMITED TIME OFFER FROM HYATT: “Double up Travel” offer — From now through September, 30, 2011, for each $100 Hyatt Check Certificate you redeem, you will receive a special offer for $100 off of the daily rate* of your next two-night stay at Hyatt, WHILE SUPPLIES LAST. Now you can experience the enjoyment of a luxurious destination, far reaching locations, spectacular settings, and unparalleled service that define Hyatt. Hyatt $100 off certificates can be combined but can only be used for a maximum of four (4) consecutive room nights and expires 12/31/12. For questions regarding this offer, contact Hyatt at 800-555-9655 before redeeming.
*Hyatt $100-off certificates provide recipients $100 off of their next two-night stay in the US that is booked using the prevailing rate. Reservations are required in advance and recipients will need to provide the booking code on the certificate to receive the benefits of the offer.
I Need Reader Help

Two issues have arisen this past week and I need some help with how to handle them in the future.

 

#1  — Bump the Bonus posts: When someone sends me an email pointing out a bump the bonus opportunity with which they have just been successful, I post is as news. I like getting miles and points for writing emails and I’m sure most of you do as well. And quite honestly, I forget some of these opportunities exist. I can’t remember them all. I got several emails and comments suggesting we were killing the goose that laid the golden egg by bombarding the card issuer with requests for bump the bonus requests. This line of thinking makes perfect sense to me, as does the idea that we forget the opportunities in front of us and a gentle nudge may add to our miles piles.
Sound off in the comments section, will ya? On my own, I’d keep posting them. But if I missed the audience, please let me know.
#2 — Rookie Tips: A portion of our readers are very vocal about the fact that they don’t like this segment every Friday. Our readership on Friday is about 10-15% off the usual readership. Maybe some of it is just because it’s Friday?
When I started this blog, I wanted it to be a place of learning for newbies. I was offered plenty of help in my early days from the old-timers, and I wanted to continue the tradition. As a newbie, or rookie, Shannon can better “tell it like it is” than I ever could. And last week I received about four comments from people who told me that Shannon’s post reminded them of something they’d forgotten. That is always the case with me. I even heard from the world-famous old timer “DHammer53″ of the Brooklyn Reality Tour that Shannon reminded him of some points he left on the table — 7500 Starwood Preferred Guest points to be exact.
What I’d like to know from you, via the comments section, is:
Are you an appreciative newbie, or an old timer occasionally reminded of something you forgot? Rookie Tips are not going away. I just want a better read on the Friday readership, if you would be so kind. Please also remember that I do moderate comments and I will remove any offensive ones. Please stay on topic. Thanks.
Howie and Guest Posting
I am always trying to improve this blog with things that are just a bit different than the other blogs. We all are. Howie, our blog tech guru and a full time road warrior, will start posting about what it’s like to play this game with the benefit of an expense account, and how it affects his choices. I’m sure it is a completely different game than I play as an out-of-my-own-pocket retired guy.
Look for Howie’s point of view tomorrow. Today is Howie’s birthday: 32 years young and spirited to say the least. Happy Birthday, Howie! We are so different it’s as if we’re from a different planet. He is actually a Delta Diamond (whatever that means!) and has an expense account. I can’t imagine.
Update a Huge Success so Far with Bump the Bonus Read this past weekend’s article on Bump the Bonus Chase Sapphire℠ Preferred Card. I’ve gotten at least 50 comments and separate emails indicating success when requesting the bump in light of the new targetted 100K Chase Sapphire Preferred offer. Nothing makes me feel better than thinking of all of you scoring some free points and miles.  That kind of success is what makes it all worthwhile. PS: I got my response:
Dear Richard Ingersoll,Thank you for providing me with the opportunity to assist
you today.

Thank you for your inquiry. With the continual changes and
promotional offers for many credit card products we at
Chase will always consider allowing the newest promotion
to be applied to any qualified accounts that were opened
within the previous 90 days of the offer. (I’ve had the card a full year)

In reviewing the open date on the accounts, I regret to
advise that the accounts are not qualified to participate
in the new enrollment promotion and therefore we are
unable to honor your request.

Although we appreciate your loyalty, we ask that you trust
that this decision is the same for all members whose
accounts do not fall within this designated time frame. We
feel that adhering to the same policy for all members
outside of this designated time frame is the best way to
remain fair and consistent.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,


Buy US Airways Miles

Jason and the MGM Mansion

I’ve been carrying this note in my wallet since the first of June. It says:

“Buy US Airways miles (50K) for each of us. 100% Bonus. Pay Katy’s Hilton Surpass Card.” Two completely unrelated topics, but when your 60, you write everything down. (P.S. I did pay the Surpass card.)

But here’s my struggle: Do I want to part with $2800+- for 200,000 US Airways miles? It is a fantastic deal, no question about it. But in all fairness, $2800 bucks is $2800 bucks. Not all of us have that kind of money sitting around. And being frugal I struggle: Should I just keep applying for credit cards with almost no cost and tailor my travel to the miles and points I earn that way? Bank bonuses, debit cards and other low cost promos have done very well for us.

We are sitting on over 500,000 American Airlines miles, 185,000 Delta miles, 100,000 Alaska Airlines miles and 320,000 Continental miles combined in our accounts. We already have 95,000 US Airways miles.

It seems we are in a bell curve in life. Brian, Gary, and Lucky, the young guns of travel blogging, are all young enough to be my kids. When you’re in your 20s to 30s , you have a long time line to travel, and racking up big numbers makes sense provided further program devaluations don’t eat into the value in your pile. I’m on the other side of that bell curve.

Maybe instead of spending $2800 I should take Mr. Pickles advice in Brian ThePointsGuy’s post this past Saturday and open a Citi checking account for each of us and pick up another 46,000 AA miles that way. I’m sure my card churn tomorrow will be a huge success, adding to my pile again with limited cost. It may not be in US Airways miles, but I’m sure I can find a way to use them all.

Katybug and I have been so fortunate to see the world thanks to this hobby and the advice we have received all these years, mostly from the young guns. I bought a $3 app for my iPad that listed and mapped all the countries we’ve visited. We’re up to 65 countries now, if I loaded the info properly. We never could have done that without all your help.

My word of caution for the day: This hobby is addicting. Sometimes we make decisions based on a really great deal that maybe we really didn’t need to make. Is this notion the result of age, being frugal, or some age-old wisdom finally starting to slowly creep in?

I’m still carrying the note in my pocket and probably will do the deal. But when I do, I will have thought it through and considered where else I could have put that $2800.

I hope you do as well with all your miles and points expenditures. Think it through. There will always be another deal.

The MGM Mansion in Las Vegas

I had the chance to see the “other side” of Las Vegas thanks to meeting up with Jason, a fellow frugal traveler and blog reader. He has some connections in the high-end gaming world and was kind enough to take me on a private tour of the private entrance, private gardens and terraces, boardroom and viewing rooms used by the “whales,” or big time spenders, at the MGM Mansion. It was so completely different than you can ever imagine and yet just a few steps from the casino and hotel you see on your regular visit.

Everything on that side of Las Vegas is perfect. There is staff everywhere to take care of your every need. Gaming is done in small private rooms. There are private dining rooms as well. What’s truly surprising is that the these individuals there don’t pay for any of this. There are just willing to gamble more in a weekend than many of us make in a lifetime. And the limos you see in Vegas don’t even compare the Bentleys and Rolls these guys ride in. Everything is at their beck and call. All they are required to do is to spend an average of four hours per day at the private gaming tables.

This is a different world than I live in and a momentary glance into opulence. I’m glad I got to see it, but I’ll continue to scrap for an upgrade or deal with customer service reps who know less than we do about their own programs and continue to be happy to sit at the $10 tables.


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