Good Domestic Lounge Locations For AmEx Platinum Holders

For all those out there that have the CSR, keep in mind you only have Priority Pass which is nice for international lounges. When flying domestic, you are out of luck! This is where AmEx comes ahead with their own Centurion lounges, Delta Partnership (Only assessable when flying Delta), Airspace Partnership, and Escape lounge partnership.

I have and always will be a fan of the AmEx Platinum Card strictly for the addional lounge access it provides while traveling. Even if I didn’t get the $550 fee waiver for being in the military, I could easily justify the annual fee with $200 in airline fee waivers, another $200 in Uber credits. I would then be only paying $150 a year for access to all of these lounges below. I added only the restaurant credit Priority Pass locations. In my opinion domestic Priority Pass Lounges are very disappointing as compared to their international counterparts. I haven’t used Priority Pass domestically until they started adding these restaurant credits.

Airport Location Airline Served Name
ATL Concourse A,B,C,D,E,F,T When Flying Delta Delta Sky Club
BDL Gate 1 Any Escape Lounge
BNA B3 When Flying Delta Delta Sky Club
BOS A7, A18 When Flying Delta Delta Sky Club
CLE Concourse B Any Airspace $10
CLE Gate C4 & C6 Any Bar Symon $28
CVG B14 When Flying Delta Delta Sky Club
DCA Con B Gate 15 When Flying Delta Delta Sky Club
DEN Concourse A 4th Floor When Flying Delta Delta Sky Club
DEN C Concourse Any Timberline $28
DFW E10 & E11 When Flying Delta Delta Sky Club
DFW Terminal D D7 Any Via Skylink Train Centurion
DTW C, A68, A18, A38 When Flying Delta Delta Sky Club
EWR Gate 40 to 47 T-B When Flying Delta Delta Sky Club
FLL Gate Info Center When Flying Delta Delta Sky Club
HNL Gate 13 When Flying Delta Delta Sky Club
IAH Terminal D D8 When Flying Delta Delta Sky Club
IAH Terminal D D6 Any Via Skyway Train Centurion
IND Concourse A When Flying Delta Delta Sky Club
JAX Concourse A When Flying Delta Delta Sky Club
JFK T2, T4 When Flying Delta Delta Sky Club
JFK T4 Delta, Virgin, South African, Emirates, Air India, KLM Centurion (Coming Soon)
JFK T5 Aer Lingus, Hawaiian, Jet Blue Airspace $10
JFK T8 Gate 14 American Airlines Bobby Van’s $28
LAS Concourse D D1 Any via train Centurion
LAX T2 and T3 When Flying Delta Delta Sky Club
LEX B Concourse Any Kentucky Ale $28
LGA Gate 2B, Term C, Term D G2 When Flying Delta Delta Sky Club
LGA Terminal B Pre Security Any Centurion
MCO Gate 71 When Flying Delta Delta Sky Club
MEM B/C Connector When Flying Delta Delta Sky Club
MIA D12 American Airlines Centurion
MIA D23 & D24 American Airlines Corona Beach $30
MIA H & J Connector When Flying Delta Delta Sky Club
MIA Landside E Door 11 Any Air Margartaville $28
MIA Landside E Floor 7 Any Viena $28
MKE D Concourse When Flying Delta Delta Sky Club
MSP F/G Concourse, C12 When Flying Delta Delta Sky Club
MSP T1 Upper Level Not Southwest, Jet Blue, Sun Country, Condor or Iceland air Escape Lounge
MPS T1 Upper Level Not Southwest, Jet Blue, Sun Country, Condor or Iceland air PGA $15
MSY Concourse D Gate 4 When Flying Delta Delta Sky Club
OAK T1 Gate 9 Any Escape Lounge
ORD E6 When Flying Delta Delta Sky Club
PBI Concourse C Gate 4 When Flying Delta Delta Sky Club
PDX C Concourse Departing Any Capers Café $28
POX C6 Any House Sprits $28
PDX D Concourse Departing Any Capers Market $28
PHL Term D When Flying Delta Delta Sky Club
PHL Terminal A West Any but near by American Airlines Centurion
RDU Term 2 Gate C3 When Flying Delta Delta Sky Club
RNO Between Concourse B & C Any Escape Lounge
SAN Above Sunset Cove When Flying Delta Delta Sky Club
SAN Terminal 2 Bridge Not Southwest or Alaska Airspace $10
SEA By S-9&10, Con A by Gate 1 When Flying Delta Delta Sky Club
SEA Concourse B Gate B3 Any Centurion
SFO Term 1 Gate 41 on Con C When Flying Delta Delta Sky Club
SFO Terminal 3 Gate 74 E,F,G Concourses (No American, Delta, Southwest, Virgin or Alaska) Centurion
SLC Between C&D When Flying Delta Delta Sky Club
STL Terminal 1 Baggage Any Pasta House $28
STL Terminal 2 Gate E6 Southwest Schlafly Beer $28
TPA Con E gate 68 When Flying Delta Delta Sky Club

Now if you don’t already have an AmEx Platinum Card, please use my links below to apply for one. Keep in mind that if you are active duty or reservist they will waive the $550 annual fee for the Personal Platinum and even the $450 for the Business Platinum.

  1. AmEx Personal Platinum Link
  2. AmEx Business Platinum Link

I got all the information about the longes from these sources:

  1. Delta Lounge Locations
  2. Centurion Lounge Locations
  3. Priority Pass Locations at Restaurants 
  4. Escape Lounges
  5. Airspace Lounges

I have it all in a excel spreadsheet here: AmEx Lounges

Now if you wanted to look at all the domestic Priority Pass Lounges they can be found here. They are often lacking in hot food so I omitted them form the list. Really just stick with the 61 lounges listed above! Happy travels.


$28/$15 Food Credit is the New Lounge Access

Edit: To be clear, not every restaurant is participating with Priority Pass. You can check right here for ones that are. Some one has compiled a compiled a complete list here, and here are the ones I know for sure are participating based on reader reports:

The name of the game in airport comfort has changed from isolated little lounges away from the crowds, to free food and drink at an existing airport venues. The one company really pushing this change is Priority Pass (which you get free membership to with your CSR or AmEx Platnum). If you have the Priority Pass card from your AmEx Surpass, you need to cut it up right now as it charges you $27 per lounge visit.

The problem about building a lounge network is simply the approvals needed to build such a space. One Mile at a Time is reporting that AmEx is planning to open a Centurion lounge at LAX. However a bureaucratic nightmare that is the City of Chicago means as of today, no ORD Centurion lounge (which has has been proposed since 2015). ORD has become a tough spot for lounge access since all the Priority Pass lounges are trapped in the restricted Terminal 5. What is left are two Crowded USOs, 3 American Airlines Lounges when flying American, and a Delta Sky Club you can only get to when flying Delta. Before you could get into the United Clubs, but United has been shutting down access to incognito service members.

Frequent Miler and SaveroCity report the growing trend of the $28 credits you can get at airports with your Priority Pass membership. This new strategy saves money by giving directly to these already established venues instead of contracting to some seriously underperforming lounges. PriorityPass can the serve their members without having to wait for new lounges to be built. Also I think they know that they can’t compete with the big boys like AmEx with their giant lounges.

This $28 Priority Pass credit is very innovative because I am all about not paying for overpriced food at the airport like a bitch. If I had to pick between free hot meals in public over cold sandwiches in a private club, then put me with the normies! I was recently at STL which has partnered with Schlafly Brewery and Pasta House to provide $28 worth of credit per member and another $28 for 1 guest. Since I was flying Southwest from STL, I went to the Terminal 2 location by gate E6 at about 8 am and they had this menu for me to order from:

Note that these are midwestern sized portions. My complete breakfast platter was gigantic, and note that all the cocktails are $11.99 which I believe is priced to maximize the $28 for an entree and drink:

At the end of the meal they brought over my check and I swiped my Priority Pass card in the handheld reader like I would have done at a lounge. I left a cash tip of $5, and was full for my flight. I had forgotten that I was with the general population at the gate, but I didn’t mind at all. I just hope this new trend makes it to ORD!

If you don’t Have Priority Pass use my links below to get a MLA military fee waived card:




0/24 Churning: I Forgot About Southwest Airlines!

It has been 6 years since I have flown Southwest Airlines, so I thought I would give it another shot this weekend. The question I got yesterday was what 5 cards I would get if I was at 0/24. I had previously forgotten about Southwest and their companion pass. If you can get 110k points through card bonuses and flying, you can choose a companion that will fly free with you for the rest of the year and the next year. Here are the only possible Chase Cards I would consider (Note: I excluded Business Cards because they do not get MLA waivers):

  1. Chase Sapphire Reserve
  2. Chase United Club Credit Card
  3. Chase United Explorer Credit Card
  4. Marriott Rewards Plus Card
  5. Chase Freedom (5 UR for quarterly category)
  6. Chase Freedom Unlimited (1.5 UR for everything)
  7. Chase Southwest Airlines Rapid Rewards Plus Card (3k bonus points)
  8. Chase Southwest Airlines Rapid Rewards Premier Credit Card (6k bonus points)

Depending on what airlines you fly I would pick 5 from the 8 above. I do not believe that there is any restriction for multiple United Cards, Multiple Southwest cards, or even both Freedom Cards.

Please send some links if you want me to host them on the site.


TSP Should Merge With Acorns

My curiosity got the best of me and I went ahead and opened an Acorns account. Mainly because these Acorn backers are so starved for business that they are going to give me a $1,000 bonus (and $5 each referral) if I can get 12 people to use my link before the end of May 2018. Please use my link here if you are at all interested: I for one think that Acorns is really fucking expensive with a fixed management fee of at least $1 a month up to $4,999.99 invested. Investing more than $5k means paying 0.25% per year which is at least$12.50. This may not seem like a lot, but for their target audience of newbie investors with small balances (less than $5k), this is very expensive. I will explain after I show how the scam innovative depositing works.

The basis of this account is to monitor and round up all your credit card or debit card transactions of the linked bank, and take the difference as a digital piggy bank deposit. BoA did this first in their program “Keep The Change” to encourage dumb money to invest in any way possible. They used to match as an intro offer but enterprising people like me would buy $0.01 stamps at the post office to maximize the match.

BoA gives an example of what you can put away as savings on their site. Let’s say you do and buy all of this stupid shit every week:

Great, so it takes you an entire fucking year to put away $286.52. For most of us this is barely enough to buy a single Prada loafer, maybe just one bottle of Dom.

However the target audience for Acorns only puts away $60 a month, and that seems like a good start for your savings for a car or whatever. From the policy genius website:

If you make 50 transactions each month with an average of $.25 rounded up per transaction, you’re only investing $12.50 every month. At that rate, Acorns’ monthly fee is taking away 8% of your contribution to your investment portfolio in your first month.

So Acorns it is an intricate system to rip off the poors encourage automatic savings and investing at a fee that is really high for small balances. All you Active Duty all are better sticking with just putting away 5% of your base pay for 5% match right into a TSP LifeCycle fund at 0.04% management fee. The same $286.52 would only cost you yearly, 11.4 cents on TSP vice 1,200 cents on acorns (110 times more expensive) and it would be just as diversified.

Bottom line if you really want to save for retirement, DO NOT SIGN UP FOR ACORNS if you haven’t maxed out your TSP at $18,500 a year! For non-retirement savings, I would use Commission Free TradeStation right into cheap ETFs like SPY, QQQ, DIA, GVAL, SVOB and balance them as needed.

Now for the fun side of Acorns, I don’t totally hate on it. The interface is completely dumb money proof:

From the first click to the account approval, it can all be done in 10 clicks tops! Just a few questions on goals and risk tolerance you end up with a robot portfolio displayed all fancy like a video game:

It then further breaks down the portfolio in simple english terms:

You can go to the dashboard and deposit funds directly as well, I did $10 so it would not all go to zero before the end of the year!

You can also do a monthly deposit, but I won’t because I am going for the $1,000 bonus then adios!

After setting up my account, I only wonder why TSP could not have been this easy to set up. When this company goes out of business I hope the good folks at use the code to encourage the E-1 to put that 5% away of base pay with a match with just a few clicks of an iPhone App. The interface is nice and clean, videos are easy to view, and the language is very encouraging. Breaking down the balance of the portfolio in simple terms is what TSP lacks. Kudos to Acorns in brining a balanced investing scheme to the masses, but too bad for the high fees compared to TSP and many commission free ETFs out there under 0.25%.

In the meantime, if you know 12 churners ready to make $1,060 bucks (12*$5 BONUS WITH $1,000) paying only $12 in a year of fees, then please go ahead and use my link to get started. Once I hit 12 referrals I will open up the comments section for hosting reader links!

For those seriously considering Acorns as an actual investment, there is an excellent go-by here on how to really churn the application. For the rest of us, get on the Acorn MLM and getting a head start on this reverse funnel investment! You know $1,000 can buy you plenty of stupid shit.


Chase Marriott Upgrades Offers

Well according to reddit, you can check Here to see if an offer exists to upgrade your existing Marriott Card to the plus, You can take the survey here to report here on what offer you get (thanks u/kerrigjl).

Above you see my three year card holding brother had gotten an offer of 20K points to upgrade right to the plus. Even though he could close the card and reapply for the plus for the 100k points offer. According to the New Plus Card terms and conditions:

The product is not available to either (i) current cardmembers of the Marriott Rewards Premier or Marriott Rewards Premier Plus credit card, or (ii) previous cardmembers of the Marriott Rewards Premier or Marriott Rewards Premier Plus credit card who received a new cardmember bonus within the last 24 months. If you are an existing Marriott Rewards Premier customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.

What is unusual is my wife did not get an offer even after 3 years of card membership, where as my mom on year 2 has a 20k offer. The offer also shows the differences between cards:

For 5/24 sluts such as myself, I could never get either card. I instead downgraded my Ritz to a Marriott and got this offer today:

My advice is those that could never, ever get under 5/24, is to go for it! You would never be able to get the 100k offer with a new plus. For those ready to clean up their act, then close the card and get a new Marriott Plus when 5/24 clears.

For those those get no offer, are under 5/24, and have gone past 24 months for the first bonus, then it might be worth moving credit off this card and closing the account to apply for the new card.

Now the ultimate AD Churn would be get the Marriott Plus for 100k bonus when under 5/24. Then 4 ore resticted cards (Ink, CSR, Freedom< United Club). Then the Ritz under 5/24 exemption, then convert the Ritz to another Plus to maintain he MLA waiver on top of getting another Ritz like I did for my previous back door strategy outlined here. Of course I haven’t hit the initial bonus on my MLA Ritz yet, but I am willing to host any successful datapoints!

Post those Marriott-Plus referals if you got them!



DerpReport Turns Three!

This 05 May 2018 marks 1096 days or 3 solid years after writing my first DerpReport post. Many thanks to you, the loyal reader, in the reading of the blog, and the helpful feedback. The site would not be possible without you, nor would I have been doing it for so long if there was no demand for it. Your comments and data points keep this site going, and your dedication to report on your own experiences make the site very personal to the unique active duty credit card churning population.

I really would not have been motivated to do this without my dear wife with her many credit cards with sticky notes of instruction in her purse. Thanks babe for playing along with the spend category maximization game! The greatest support is to being there with me on the redemption side of our points. Our wacky trips to far flung places for free have kept this hobby going.

In the spirit of a 3 year anniversary lets look back at my greatest hits and misses in the last three years:


  1. Earning 150% of Miles and Segments Via ANA Experience Japan Fares
  2. Star Alliance Lounge Access with SCRA (or MLA) waived United Club Card
  3. Brining Your Own Unlocked Phone to Japan to use on AU or SoftBank
  4. Living at the Park Hyatt Tokyo like Mr. Bob San for Free
  5. Ritz Kyoto Stay For Free
  6. $995 Waived Annual Fee For Gold Luxury Card
  7. Viewing Cherry Blossoms and Ferraris From The Tokyo Ritz
  8. Hilton Diamond via Back Matching
  9. Rick Barry Is A Model of Indexing
  10. Chase Private Client Is A Fucking Joke
  11. AmEx and MPX Means Free Leather Shoes (Shutdown)
  12. Exploiting Super Subsidized EAS Routes 
  13. BRS As Premature Separation Insurance
  14. Brad Wilson Churn With Gold Krugerrands
  15. Uber Eats Works for AmEx $200 Yearly Credit
  16. US Bank Altitude Card Is Well Worth It (Now MLA Waived)
  17. Easy French Laundry Reservations With AmEx Platinum
  18. Hyatt Family Rate Means 2 Rooms Cheap


  1. Premature Prediction That 5/24 Will Kill Churning
  2. Movements of $5,000 in Cash Will Get You Shut Down
  3. AmEx Tier One Super Card To Crush CSR
  4. ZERO Debit Card Will Be Real
  5. Green AmEx Everyday Cash Card is Real
  6. We Broke Barclay Gold
  7. Air Berlin Goes the Way of East Germany

What are all your memories from the before time of DerpReport?


Groundlink Glitch Fixed (For New Cards)

I wrote about the $20 bonus for Visa Signature and a $30 bonus for having a Visa Infinite card for adding my Visa cards to Groundlink in this post. Unfortunately I got super greedy by adding ALL of my Visa Signature and Infinite cards for $300 in credit. I never got to use the credits, and they shut my account down like the rest of us greedy bastards! After 4 months of emails, they reopened my account recently minus all my credit. I went in today and added my new Visa Infinite Ritz card and got $30 off my airport ride this morning.

I used it in conjunction with E-Bates and got 1.5% Cash Back on top of all that! When I added the Ritz card I got the email, and when I booked an economy car they sent a GMC Yukon XL!

More room than I could ever use!

Then I got my sweet 1.5% on Ebates:

Here is how I did it:

  1. Sign up for ground link here
  2. Sign up for Ebates here
  3. Add your Visa Card (infinite) here or here (Signature)
  4. Book one trip for that day only, do not add all you cards or you will get shut down!
  5. Repeat with every trip with another Visa Infinite or Signature card

The original idea came from here and the shut down discussion is here. Here were all of my cards from last run, I am going to add them each again, and just take the ride immediately to prevent another shutdown:

Don’t get too greedy! or you might get this email like some other people who added all their cards at once:

Dear GroundLink account holder,

While conducting an Audit of our promotional programs it has come to our attention that your Visa Infinite or Signature card has been submitted multiple times to receive multiple credits. Under our terms of service it states:

· Upon card validation, U.S. Visa Infinite or Signature cardholders get one promotional credit that can be applied toward a GroundLink reservation booked with that card. Limit 1 promotional credit per card.

For this reason, we have adjusted your accounts to reflect the correct number of credits. If you have any questions please email .

GroundLink Team

Update: I tried to add an old card where I had gotten the credit before and it gave me this:

However I NEVER GOT TO USE THIS CREDIT! I reached out to GroundLink and they have yet to fix it!




2 Days Left to Get Original Marriott Rewards Premier Card (75k) with MLA waiver

UPDATE: Application is alive and unfortunately you can’t get both cards! More info here.

I am personally going to wait for the upgrade offer here.

Edit: Reader Miles says:

In addition to the 6x and 2x categories, the annual certificate on the new Marriott Plus card is good for stays of up to 35,000 points – versus 25,000 points on the current card.

I heard on another blog, a Chase rep said you could not hold both cards. But I don’t remember where that [was].

If this is the case then I would upgrade the existing MLA non plus Marriott card to another Ritz if they would allow that. Then applying for the Marriott Reawards Plus card. Not sure if you can hold on to two ritz cards, but I can be your datapoint! More discussion can be found here regarding multiple Marriott products.

The application site is up for the New Marriott Rewards Plus Card and will start taking applications in 2 days! For those that are 0/24 churn virgins, you may be able to double dip with the existing original Marriott Product with a 75,000 bonus by using the links: here and here. Then hopefully in two days get this new card with another 100,000 point bonus. From TPG:

Marriott Rewards Premier Plus Credit Card, which will be available beginning May 3, 2018, and carry a $95 annual fee. In addition to a 100,000-point new cardmember sign-up offer — after spending $5,000 in the first 90 days

Hopefully there will be no restriction in having multiple versions of the same product like they have done with Sapphire and Freedom. My understanding is you can still have multiple United Products, and I hope the Marriott will be no different. Also I hope the don’t consider the Plus the same product as the old product and you can get both bonuses for a total of 175,000 as well as two free annual nights worth 35,000 points each! Please use the link and let me know how it goes:

I would not plan on upgrading this one to the plus until an offer is made to upgrade the existing product. The difference of the plus (Besides being $10 more expensive) is 6x Marriott points instead of 5x, 2x on everything instead of just travel. Also the plus has a 35k free night insted of a 25k free night. The 15 night status credits will be nice, but I hope that we still get status from our AmEx Platinum cards. Not sure if two cards means 30 nights a year, but they discuss it here!

For those that need proof on Chase MLA waivers, I got my annual fee waived for my $450 annual fee Ritz-Carlton card per the MLA on 21 April 2018:

Thank You Chase! This is all speculation on my part since I cannot apply for any of these products myself since I am well beyond 5/24! Please report back if you end up being able to have bot the plus and non-plus Marriott products!


My 2 Year Roadmap

I made a excel file 2 year timeline for this article. Check it out if you want to figure out your own situation.

Four factors have made me reassess my churn game:

  1. Excess awards inventory without increase in time off results in possible expirations of benefits before utilization
  2. Chase and AmEx are getting tired of my shit
  3. Need to study for the GRE to get into specialty
  4. Need to stagger who holds a clean 5/24 slate for future MLA waived Chase Products
  5. Must hold on to my anchor card to keep credit history old (my dear old BCP)

My churn game has become weak, I got so side tracked with Avios and initial bonuses, that I lost sight of what is important. If we are to do this correctly we need to have an end point where we hold on to high reward products while enjoying the fee waivers. We need to be more selective on what future cards to get. Each card that we hold on to should:

  1. Pay dividends in the form of Annual statement credits
  2. Pay dividends in the form of free hotel nights
  3. Give travel benefits such as lounge access
  4. Have an annual fee waiver for AD Military

The current Chase products that have annual perks are:

  1. Chase Sapphire Reserve: $300 Travel Credit
  2. Chase United Club Card: Star Alliance and United Lounge Access
  3. Chase United Explorer Card: 2 free United Club Passes for friends
  4. Chase Marriott Plus Card: 1 free night 35,000 points
  5. Chase Marriott Card: 1 Free night cat 1-4
  6. Chase IHG Card: 1 free night
  7. Chase Hyatt Card: 1 free night
  8. Chase Ritz-Carlton Card: $300 flight bonus

The current (and future) AmEx products:

  1. AmEx Delta Reserve: First Class Companion Pass
  2. AmEx Delta Platinum: Coach Companion Pass
  3. AmEx Hilton Aspire: $250 Resort Credit, $250 Flight Credit, Free night
  4. AmEx Hilton Ascend: Upgrade to another Aspire
  5. AmEx SPG Luxury Card: $300 Hotel Credit, Free night
  6. AmEx SPG Business Card: Free Night
  7. AmEx SPG Personal Card: Free Night
  8. AmEx Platinum Biz: $200 Flights, 10 GoGo
  9. AmEx Platinum Personal: $200 Flights, $200 Uber, Boingo WiFi

Other Cards Issuers that have perks are:

  1. US Bank Altitude card: $325 travel credit and Andre Harper Subscription
  2. Bank of America Alaska Airlines: $99 annual companion pass
  3. Citibank AAdvantage Executive: 10 memberships to Admirals Club (No MLA Waiver)

A note regarding Chase Business cards is they will not be waived per the MLA, so other than the huge signing bonus they do not fit with the model of sustainable rewards dividend payouts. If you are new to churning it may be worth going in branch and applying for your own Ink Preferred or us my brother’s referral link here.

My poor impulse control is quite real, so I sat down and calculated out my moves for the next two years. I first went into all of my AmEx accounts and checked when each product was opened. This way I could check to see when I could product change the card from the lower product to the higher product:

Credit Card Product Month Year
Blue Cash Preferred® 1 2006
Gold Delta SkyMiles® (closed) 10 2014
Amex EveryDay® Preferred (wife) 5 2015
SPG Personal (closed) 7 2015
SPG Personal (wife) 9 2015
Hilton Honors Ascend Card (closed, was surpass) 4 2016
Reserve Delta SkyMiles® 7 2016
Platinum Delta SkyMiles® (Wife) 11 2016
Starwood Business Card 10 2017
Hilton Honors Ascend Card (wife) 11 2017
Hilton Honors Aspire Card 2 2018
Platinum Delta SkyMiles® 3 2018

I did the same with my AmEx Credit accounts:

Charge Card Product Month Year
Platinum Card® 6 2014
Business Gold Card® (Now Plat) 8 2014
Platinum Card® (Wife) 10 2014
Mercedes-Benz Platinum Card® 9 2015
Mercedes-Benz Platinum Card® (Wife) 11 2015
Premier Rewards Gold Card (Now Pt) 7 2016
Premier Rewards Gold Card (Now Pt)(Wife) 7 2016
Business Platinum Card® DerpReport 12 2016
Schwab Platinum Card® 2 2017
Schwab Platinum Card® (Wife) 3 2017
Morgan Stanley Platinum Card 4 2017
Morgan Stanley Platinum Card (Wife) 4 2017
Business Platinum Card® DerpReport 6 2017
Green Card 10 2017
Ameriprise Platinum Card® 10 2017
Ameriprise Gold Card® 3 2018

Then I looked at my Chase accounts and came up with this road map:

Month Year
Me: Drop Delta Reserve for SPG Lux 8 2018
Me: Upgrade SPG Biz to SPG Lux (or drop & Change) 10 2018
Me: Product Change Green to Pt 10 2018
Me: Product Change Gold to Pt 10 2018
Me: Product Change Delta Plat to Reserve 3 2019
Wife: First Card Drops From 5/24 7 2019
Wife: Apply For United Club Card 7 2019
Wife: Second Card Drops From 5/24 7 2019
Wife: Apply For CSR 7 2019
Wife: Third Card Drops From 5/24 9 2019
Wife: Apply For 2nd Chase Hyatt Card 9 2019
Wife: Fourth Card Drops From 5/24 10 2019
Wife: Apply For Marriott 10 2019
Wife: Fifth Card Drops From 5/24 12 2019
Wife: Apply for Freedom 12 2019
Wife: Drop Everyday Prefered for SPG Lux 4/5 1 2020
Wife: Upgrade SPG Personal to SPG Lux 4/5 2 2020
Wife: Apply For Hilton Aspire 5/5 3 2020
Wife: Upgrade Ascend to Hilton Aspire 5/5 4 2020
Wife: Drop Delta Platnium for Reserve 5 2020

You can see that I got a whole lot of shit to do. After that my wife could apply for her own US Bank Altitude card for another $325 annual few credit under MLA waiver. I should also consider dropping the non MLA waived Chase cards like the multiple Marriott Cards that my not be useful in the future. Each move I will have these AmEx Cards:

Month Year My AmEx Holding Wife AmEx Holding
8 2018 SPG Lux, SPG Biz, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2018 2x SPG Lux, Delta Plat, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
3 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
7 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
9 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
9 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
10 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
12 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
12 2019 2x SPG Lux, Delta Reserve, Blue, Aspire Everyday, Delta Pt, SPG Per, Ascend
1 2020 2x SPG Lux, Delta Reserve, Blue, Aspire SPG Lux, Delta Pt, SPG Per, Ascend
2 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, Delta Pt, Ascend
3 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, Delta Pt, Ascend, Aspire
4 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, 2x Aspire, Delta Plat
5 2020 2x SPG Lux, Delta Reserve, Blue, Aspire 2x SPG Lux, 2x Aspire, Delta Reserve

Then we would reset on the 5/24 on different dates. My wife will have to wait till May of 2022 and I get to start my Chase churn on March 2021. That is so far into the future I can only guess what will come, perhaps SPG/Marriott/Ritz-Carlton/Hyatt/Hilton will finally have a singe points system!

If all goes well, then in May of 2020 I will have these annual perks over all my cards:

Flight Credit Hotel Credit Travel Credit Uber Free Companion GoGo WiFi Free Room
13x Per Plat $2,600 $2,600
3x Biz Plat $600 30
2x Ritz $600
2x CSR $600
4x SPG Lux $1,200 4
2x Hyatt 2
5x Marriott 5
2x Delta Res 2
1x Alaska 1
1x Altitude $325
3x Aspire $750 $750 3
1x IHG 1
 Sub tot: $4,550 $1,950 $925 $2,600 3 30 15
Total $10,025

So annually we are looking at $10,025 in benefits, 3 companion passes, and 15 free hotel nights. This should cover my travel for the rest of my time on AD. Any suggestions? Comment below!


Chase Private Client: Useless For Churners

BLUF: There is no longer any special consideration from having a CPC relationship. We are all subject to 5/24, even rich assholes with $250,000+ in managed assets.

I just got a stern phone call from one of the CPC vice presidents. He told me to cut out the churning and the use of his staff to assist in banking issues. He gave me a phone number to use for banking questions like some filthy casual non-CPC patron. This was not part of the deal as CPC was sold to me to be like the Ritz-Carlton of banking (Ironically a Chase Product).

If any of you guys were on the fence about trying to get better consideration from Chase by dropping a quarter million dollars into one of their managed accounts, forget it! When I first looked into CPC the junior staff promised me the world of unfettered access to Chase and ALL of their banking services (including consumer credit). This has proven to just be a sales pitch and has not materialized over the last 6 months when it came down to brass tacks.

In reality my CPC relationship failed to get me a J.P. Morgan Chase Reserve card, a Chase Sapphire Reserve card, Ritz-Carlton card. They refused to even submit my application for the Reserve Card, and reminded me that I was CPC and not Chase Private Banking needing $10 million for access. On top of that, they seem very clueless of what consumer cards are even offered, and what features there were of each one. The entire time they wanted to concentrate on total portfolio domination, and distract me from their consumer products. There is a clear separation between J.P. Morgan and the Chase Credit side with what seems to be constant infighting and confusion from their many groups.

So there is no magical TSA-precheck for Chase Bank! I remind you all that Chase doesn’t have a lock down on the rich asshole management market. There are plenty of churning opportunities with Merrill Lynch EDGE, Citi Priority, and HSBC Private Bank.

Any CPC out there that can attest to a different experience?