I am getting conflicting data points here. Reader Tim C. on 11 March 2019 says:
Just to let everyone know. I just applied for the citi prestige and got approved for the MLA benefits. However, they told me that they would not be waiving the annual fee because the interest on the card had not reached 36%. It was extremely confusing and very unfortunate to hear. Does anyone have any advice on how else to get it waived?
However at the same time reader Jesus on 08 March 2019 writes:
Submitted required docs to Citi last Friday MLA credit for $495 applied Monday for the Citi Prestige. Account was opened 2 weeks ago.
My AA Exec was opened July 2018. I emailed them regarding MLA and they sent me a letter on 5 March saying it qualified for MLA. My brand new Prestige fee was waived the same statement the fee was applied.
It looks like some people are getting waivers while others are not. The same thing seems to be going on for the American Airlines Executive Card. Let’s put all the data points on this one post here.
Update: Reader Ryan says:
Try lowering your credit limit. They probably use some sort of formula to determine if your effective interest rate is less than 36% based on credit limit and annual fee. For example: APR + (495/CL) < 0.36; So if your APR is 20% (0.2), then you would want your CL to be $3000 or lower. Just a theory but I think it makes sense…
This was a trick to do with the Ritz card, if you can get your credit limit to be less than two times the annual fee then they can’t charge you the annual fee. It is written up here. It’s just that we are using the 36% cap per the MLA.
My two $50.00 delta gift certificates posted on 3/2/18 and the credits posted on 3/4/18. The credits posted in 2 – $50 increments. I have the [AmEx] Platinum card and still have $100 to go.
Not sure what this O-4 did with his Visa, but there has been reposts that you must use this link to buy the cards, some times the mobile app or website will send you to a third party site. Any datapoints out there from our readers?
Sothwest has always been good for us. I got a single $250 gift card with my AmEx Hilton Honors Aspire. On 07 March 2019 an O-3 reader at Great Lakes reports buying a weird $194.40 Southwest gift card (since he got reimbursed for a $5.60 fee previously) from his AmEx Platinum, and getting that reinbursed:
Delta has been great as well, but only at $50 increments. Some people have been able to surpass the three card limit when they call a ticket purchase in:
You can use more than 3 GCs for Delta flights now, though you have to do it over the phone “Up to 3 gift cards can be redeemed per transaction on delta.com. If you wish to redeem more than 3 cards for a single purchase, please call 1-800-221-1212 and a Reservations Specialist will be able to assist you.”
Other comments suggest you can use up to 6 cards depending on the person on the other end. This most recent datapoint on Delta reporting as Gift Card may be limited to VISA cards and not AmEx, Note this comment here:
At least since December 2018, my VISA Infinite shows “GFT AA Y FEE” in the description. Even with that, it was reimbursed as part of the VISA Airline incidentals statement credit.
Currently Chase is offering 50,000 Hyatt Points or 2 Free Category 1-7 Nights (Worth 30K each for Cat 7) and a $50 Credit both for $6,000 spend in 3 to 6 months.
I was going to go for the 2 free nights but I realized I only had one year to book it at only these places to maximize my category 7 nights. If I go for the 50K points then I had infinite time to use them, and I could transfer them as needed. I could also use them to book many nights at a lesser category hotel:
By not going the route of the two free nights, I would be losing out 10k points and a $50 statement. The points would have the flexibility on transferring and splitting up 50k.
Man, what a market ride it has been! The standings for the end of the trading day on 01 March 2018 are as follows:
Sheep Doggy Dog: $1,065,126.88
Julia’s College Fund: $1,000,000.00
It’s Heim Time: $733,155.96
There are only 42 more trading sessions before the game is over! The top prize will have to be a digital $250 Southwest Gift Card from our good friends at AmEx Hilton Honors Aspire Card, because the AA Gift Cards have been shut down.
Second prize will still be a digital $100 American Airlines gift card that I got with my AmEx Rose Gold Card before that was savagely taken away form us this past February 18th.
Third prize will be a $50 physical gift card from the AmEx Personal Platinum Card. This will be sent in the mail to whomever you choose. We should have a last prize for the person who has lost the most money in 6 months! Any suggestions out there? I put everybody’s holdings below:
Please note that Julia’s College Fund had not made any trades and is currently sitting on $1,000,000 in cash. If you want to start you own Webull account, please use my link here.
Right now they are offering 75K for both Delta Reserve and Delta Platinum. Then 60k on gold. Please use the links below or here (Reserve), here (Plat) and here (gold) to apply. Then upgrade the Plat and gold to get three companion passes good for coach, business and first (even Delta ONE) every year! All annual fees waived for military. This is great for those stationed in Hawaii and Guam to fly to mainland.
With the 210,000 Delta sky miles you can fly anywhere. I just booked ORD to FRA (Frankfurt) on Delta One for just only 172,000 a person with the points I got the points from these three cards when the offer was on last year, and player two’s cards.
Delta ONE is just amazing, will full 180 degree fold flat beds:
But the best looking trip out there is Detroit to Amsterdam on their brand new Airbus A350, Delta One Suite:
Looking forward to my first trip to Europe! Looks like these miles are not as useless as we had thought.
It’s true, there is free beer at Wework, well at least at the 1875 K St NW Washington DC 20006 before 1800. I also got beer after 1800 at 718 7th St NW Washington DC 20001. I have been hitting this new AmEx Business Platinum benefit hard, and have visited the following places:
332 S Michigan Ave Chicago IL 60604
718 7th St NW Washington DC 20001 (Free Beer)
1875 K St NW Washington DC 20006 (Free Beer)
125 S Clark St, Chicago, IL 60603 (Home Base)
1440 G St NW Washington DC 20005 (Out of Cider)
What has been weird is the inconsistencies in access. I signed up online and received my key card in person at the Home Base at “The National” (125 S Clark St). However when I use the app to reserve a room in any other place I get this response:
Your booking provides access from 09:00 – 18:00. Please bring a valid photo ID for check-in with the building reception. A community associate will then guide you to your workspace and help you get set up.
At most locations I was asked to pack up and vacate at 1800, but at 718 7th St NW Washington DC 20001 everyone just worked tilled they quit. However at the K st location and at the Grant Park location (332 S Michigan Ave) I get this email:
Your booking provides access from 00:00 – 23:59. Please bring a valid photo ID for check-in with the building reception. A community associate will then guide you to your workspace and help you get set up.
I though this was a fluke, but I was able to have the front desk at the K St. location verify I could stay here all night long as part of my Platinum Global Access. I was able to get the elevator after the 1800 close time with my key card. This has to be some sort of a mistake that should be shut down very soon. For the time being I have found my 3rd place where I can blog all night long!
All in all, the Wework experience has been one of r/actlikeyoubelong and a bit of spot the churner at the Centurion lounge. The only experience I have had at a AmEx Business Lounge is at the McCormick Place’s OPEN lounge. This place has since closed:
There is almost too much human interaction at these Wework locations, each community manger asks about your business, and they want you to link your linked in profile and answer a shit ton of questions to make the community more vibrant.
There is an over all attitude here of keep promoting your dream, no matter how unprofitable it may be to you, your trust fund, investors, and your children’s college funds. Even the materials promote this “Do What You Love” mantra:
This review may come off as unduly negative, and it is not at all. I find myself in a foreign work environment where I am sitting here and have to listen to all these hip little think tanks and startups talk about getting funding and I thinking that would suck if I had to actually run a small business, but I digress. Good for them, Keep the millennial dream alive fueled with cold brew coffee:
The decor of each location claims to be unique, but it all feels to me the same mash up of the Ace hotel meets the W with a twist of unfinished and reclaimed everything.
Not quite my style, how can I take your start up seriously if I feel like I am in your college door room cafeteria?
AmEx has been trying damn hard to cast away the old man stuffy country club persona they have been know for since they were founded in 1850. This has got to be there greatest attempt to be cool and relevant, and it might be working for some out there. I just don’t find myself shelling out $2,400 to have access to these cool places once my trial is up.
You can find me across Farragut Square at the Army & Navy Club any day (thanks to my Marine Memorial Club membership).
Many positive data points have emerged showing overall blanket waivers of annual fees for all new Citibank cards for military members and spouses for accounts opened this year.
I have been opening multiple AA Citi Platinum using codes in mailers. Tbis is the only way to get multiple 75k AA bonuses on this product. If you the reader get any codes in the mail, please don’t toss them and we can share some codes here on the website.
Now that it is open season on Citi, I need to compile a best strategy to hit all of their cards found here. Please post your referral links and thoughts below. Keep in mind, for Citi, Up to one personal credit card application in any eight-day period. Up to one business credit card application in any 90-day period. Up to two Citi credit card applications in any 60-day period, which could be two personal cards or one personal and one business card. I just got my second Citi AA Platinum on 12 Feb and and my first on 24 Jan. So by 29 march I should be golden by giving 65 days from my first application as suggested by reader Dan.
One of the O-4 specialists here at Great Lakes is having some serious regrets in taking his time on the AA gift card buying for the $200 reimbursement. He was slowly buying only $100 AA gift cards over all of his AmEx Personal and Business Platinum cards just in case it did not work. This plan has backfired since all gift cards in any denomination are being coded like this:
It will hard to justify a $200 gift card purchase on AA if it is clearly labeled as “GIFT CERTIFICATE”. This is because gift cards are specifically excluded as one of the fees not reimbursed. In the past the AA gift card charge was labeled as “MISC fee”, and got 5x MR points. This fee was coded as valid being one of the following items:
The best part is it was reimbursed in just a few days:
What makes matters worse is since he already spent a segment of the $200 credit, he will not be able to switch airlines to SW or Delta. Usually you can switch airlines only in the month of January, but only if you DON’T spend your credit, a simple chat online with the AmEx Customer service was all this is needed to switch airlines at any time:
I would say my “Travel Patterns Have Changed” (which they will) and then switch without any question. I did just this with my Aspire card, and swapped from AA to Southwest and bought a $250 gift card:
I got the airline switched and gift card bought on 14 Feb and got the credit on 16 Feb. The fee showed up as “SPD/AIR FREIGHT” and was considered a covered fee. These most recent events should show that if you have a datapoint like this, time to hit it hard! For this is just the next loophole to close. Keep in mind the Southwest Airlines gift card policy:
Southwest gift cards – A maximum of three Southwest gift cards can be applied per passenger on each reservation. If your purchase exceeds the amount available on the three Southwest gift cards, you will only be allowed to use two Southwest gift cards and another form of payment will be required for the difference.
Customers who encroach upon any part of the neighboring seat(s) may proactively purchase the needed number of seats prior to travel in order to ensure the additional seat(s) is available. The armrest is considered to be the definitive boundary between seats; width between the armrests measures 17 inches. The purchase of additional seats serves as a notification to Southwest of a special seating need, and allows us to adequately plan for the number of seats that will be occupied on the aircraft. In turn, this helps to ensure we can accommodate all Customers on the flight/aircraft for which they purchased a ticket and avoid asking Customers to relinquish their seats for an unplanned accommodation. Most importantly, it ensures that all Customers onboard have access to safe and comfortable seating. You may contact us for a refund of the cost of additional seating after travel. Customers of size who prefer not to purchase an additional seat in advance have the option of purchasing just one seat and then discussing their seating needs with the Customer Service Agent at their departure gate. If it is determined that a second (or third) seat is needed, they will be accommodated with a complimentary additional seat(s).
For those that are stuck with AA since you only spent part of it, then get your Mini-Bar ready for hundreds of tiny bottles.
As it turns out, the mini-bottle is not so small. A mini-bottle holds 1.7 ounces of liquor, and bartenders must pour all 1.7 ounces–no more, no less. It may not look like much, but compared with the average drink size around the country–1 to 1.25 ounces of liquor — it packs a wallop
March 23, 2004, Chicago Tribune
In anticipation to this grim reality, I have consolidated the inflight spirit menus of all the possible AmEx Plat reimbursable airlines for 50ml liquor bottles (note Southwest pours from a big bottle, therefore excluded from list):
Delta $9 a bottle:
Baileys ® Original Irish Cream
Bombay Sapphire ®
Canadian Club ® Reserve
Dewar’s ® White Label ®
Finlandia ® Classic Vodka
Jack Daniel’s ® Old No. 7
Jack Daniel’s ® Tennessee Honey™
Tequila Cazadores ® Blanco
Woodford Reserve ®
jetBlue $7 a bottle:
Bombay Sapphire® Gin
Dewar’s® White Label® Scotch Whisky
Jack Daniel’s® Whiskey
Tito’s® Handmade Vodka
Frontier $7 a bottle:
Jack Daniel’s Whiskey
Baileys Irish Cream.
Alaska Airlines $7.50 a bottle:
Tanqueray™ London Dry Gin
Cruzan® Aged Rum
Crater Lake hazelnut espresso vodka
Woodford Reserve bourbon
Dewar’s White Label scotch
Jack Daniel’s Black Label
Seagram’s Crown Royal
Bailey’s Irish Cream
Sprit Air $7 a bottle:
Bacardi® White Rum
Crown Royal® Canadian Whisky
Fireball® Cinnamon Whisky
Platinum 7X® Vodka
Hawaiian $6 a bottle:
Koloa Kaua‘i White Hawaiian Rum
Johnnie Walker Red Label
Bailey’s Irish Cream
United $7.99 and $8.99 a bottle
Wheatley Craft Distilled Vodka
Bacardi® Superior Rum
Dewar’s® “White Label®” Blended Scotch Whisky
Jack Daniel’s® Tennessee Whiskey
Baileys® Irish Cream
Bombay Sapphire® Dry Gin
Buffalo Trace® Kentucky Straight Bourbon Whiskey
Glenfarclas Single Malt Scotch Whisky
American Airlines $8 a bottle
Baileys Irish Cream
Bombay Sapphire® Gin
Canadian Club® White Label®
Dewar’s® White Label®
Jack Daniel’s® Tennessee Whiskey
Tito’s® Handmade Vodka
Besides re-creating a minibar in my house, I am not sure what to do with these credits in a post gift card reimbursement world. We get all of our luggage waived for military, and I am able to get premium seats with my status. Thoughts on anything at all?