Thanks to reader James that suggested to include the U.S. Bank Korean Airline SkyPass Select Credit Card in my optimal perpetual preferred card portfolio. I had sadly never heard of this card because U.S. Bank is not really know for their premium products, nor for their MLA annual fee waivers. The card was launched May 2018 and was dubbed the “Worst Premium Credit Card” by the people at one mile at a time, and this is when they were offering 30K points for $3k spend (now only 15k for $1.5k spend).
I have never flown Korean Airlines, but enjoyed their lounges when flying to Seoul from Okinawa. Since U.S. Bank waives the $450 fee per the MLA, I just see the following benefits of the card as free perpetual benefits:
15,000 Skypass miles after spending $1,500 in 90 days
$200 on travel purchases, resets on card anniversary
A TSA Pre-Check or Global Entry fee credit every four years
Honolulu?? (Korean Air considers HI to be part of North America for the purpose of SkyTeam awards)
The Chicago Lounge closed in 2018, but mainline KAL metal flight to Seoul still departs out of Terminal 5:
The card can be referred! Please post a referral code or link so we can all get in on this action. I am planning on doing it for the sake of the yearly $200 credit to use on the Minibar on my points stays!
Turns out nobody has the time to read my articles so here is my TLDR guide of the optimal wallet holdings. It can be found in the sidebar menu. In my military career I plan to holding on to this optimal card portfolio:
If we can get all the above cards we are looking at:
$1,975 in Travel Expense Credit
6 free hotel nights on stays of 4 nights or more
Unlimited Lounge Access for:
Delta (When Flying Delta)
Citibank Airport Lounges
Priority Pass Lounges
$28 credit at Priority Pass Restaurants
AmEx Centurion Lounges
5 Free Nights (3 Weekend, 2 anytime 50K Marriott)
$1,050 in Hotel Credits ($750 Hilton Resort, $300 Marriott)
$2,550 in airline reimbursements (RIP to gift card mountains)
One First Class Companion Pass (Delta Domestic)
$600 in Dell Credit
$1,200 in Uber Credit ($15 a month, $20 more in Dec)
$600 in Saks Fifth Avenue Credit
$300 in flight dining
Then double it up for your player 2!
You will have $600 to use in the flight for food, and lounges access at the United Club, Delta Lounge (on Delta), and American Airlines to a nice destination. You can stay Friday night to Sunday night vacation at any Hilton Resort worldwide using 3 weekend free night certificates. You could use the credit to do this at least twice a year for free and drop $750 each time at the Hilton resort. You can do two more free vacations at a Marriott and use your two 50k point nights as well as your $300 credit for each stay.
You can also be a huge cheap ass for Christmas and birthdays as long as all of your gifts come from Dell and Saks Fifth Avenue. Stack topcashback or ebates for some sweet cash back. Use shoprunner for free shipping and use the Saks Fifth Avenue free gift wrap online. You will have $1,200 for Dell and $1,200 in Saks Fifth. It will always be a Merry Christmas indeed!
Between vacations you will have $2,400 in Uber credits for Uber Eats and $3,950 for parking tolls and taxis. Then you would have 2 first class companion passes that would be helpful to fly from Hawaii to Mainland if you are stationed out there to cut your flight costs in half.
I don’t think there is a timeshare ownership out there that can offer all this at an annual fee of $0 with $0 in maintenance fees. The cost however is to be under the UCMJ, possibly get deployed on a ship for to the middle of the ocean, and not have a stable residence for more than 3 years for 20 straight years. This substantial benefits and having the AF fee waivers for all the listed above products would in my humble opinion make it worth a 30 year career out of it!
Howdy folks, for those awaiting a positive data point regarding MLA waivers on the Citi Prestige directly from me, I got my good news today. I have been anxiously awaiting something regarding MLA or SCRA from my application in the beginning of April. I logged in and found the above waiver.
Looks like the MLA for Prestige is here to stay. So hit it hard!!!
Note: The following post is from Little Miss Traveler. She is a civilian spouse who just married an active duty Navy Dental Corps Officer and has just started her churning journey. She has offered to post the following report in exchange for being able to host her referral links.
I recently made a blog post about an Orlando getaway weekend my husband and I took using credit card points we earned by maximizing the MLA benefits available to military members and their families, and after hearing some great feedback I decided to post about another amazing trip we recently took. I hope these posts about my personal experiences will inspire you to discover and take advantage of these benefits so that you can take the trip you have always dreamed of for as close to free as possible. I would love to hear from you and answer any questions you might have; feel free to contact me at Cecilia@littlemisstraveler.com.
In late February my husband and I escaped the Midwest winter
for five days in Scottsdale, AZ. By
using points and benefits from five
different credit cards, we were able to do this for only $907.
I realize 5 credit cards sounds like a lot, but by organizing our
spending, we were able to acquire these credit cards and hit the minimum
spending requirement to receive the welcome bonuses used to pay for this
trip. Normally, these 5 cards would carry
a total annual cost of $2450,
but due to my husband’s active duty status, we get them for free!!! It sounds too good to be true, but it’s not;
this really works.
I have written a detailed explanation of how we paid for
every aspect of this trip, illustrated with a plethora of pictures to bring it
to life, but if you are more of a nuts and bolts person and don’t want to read
my whole story scroll to the bottom of the post to get a simplified version of
the cost breakdown.
We flew round trip from Chicago to Phoenix on American Airlines
for absolutely free thanks to our American Express Platinum charge cards as
well as my Chase Sapphire Reserve card.
The Amex Platinum has an annual $200 airline credit, and the Chase
Sapphire Reserve has an annual $300 travel credit. Since my husband and I both have an Amex
Platinum, that totaled $700 in free airfare.
The $300 CSR benefit was automatically credited back to my account after
the travel purchase, but we had to buy two $200 American Airlines gift cards
with our Platinum cards. As I mentioned in my previous post, American Airlines
no longer allows the $200 airline credit to be used for gift card
purchases. However, Southwest Airlines
still allows this, so keep that in mind if you decide to get an Amex
American Airlines allows military members flying with them
access to their Admirals Lounge, so we began our trip there, enjoying free food
and drinks before boarding our flight. After arriving in Phoenix we went to the Hertz
rental car location where our GMC Terrain was waiting for us with the keys in
it. Since we reserved the rental car
with rewards points I earned on my CSR, it was free!! After spending $4000 in the first 3 months of
opening the CSR card, you are awarded 50,000 rewards points, which is worth
$750 in travel credit. We used a
portion of these rewards points to pay for the car, and still had quite a bit
left over. Another benefit of the CSR is
automatic Hertz Gold Status, which means an automatic vehicle upgrade and no
waiting in line at the rental counter to get your car, so we immediately hopped
in and headed toward the hotel.
We drove to the Phoenician Canyon Suites by Marriott and
quickly realized it was more of a palace than a hotel. Upon arrival, we were greeted by name and
escorted to our room. They upgraded us to
a King Suite Golf View…we had two bathrooms, two balconies, and a massive
living room in addition to a separate bedroom.
By far, it was the nicest hotel I’ve ever been to. Literally, it was insane!
How much did five nights at this insane palace-like hotel
cost us you are surely wondering?? You guessed it, nothing!!!! We booked the room using 240,000 Marriott
points we earned from our American Express SPG Luxury cards (Marriott and Amex
have since changed the name of this card to the Bonvoy Brilliant). I suspect the fact that we booked our stay
with points is the reason we were upgraded to a suite. The suite was 60,000 points per night, but
whenever using points to pay for a reservation of 4 nights, Marriott gives the
5th night free. Ok let me
break down how we were able to amass so many Marriott points. First, my husband applied for the Bonvoy
Brilliant card, which awards 100,000 points after spending $5000 in the first 3
months of opening it. Then, he referred
me the card, so we got another 100,000 points after I reached the minimum
spend, plus he got a 20,000 point bonus for referring me! So we are at 220,000 points, a little short
of the 240,000 required to book our slice of heaven in the Phoenician
kingdom. To get that last 20,000 we converted
20,000 of my 50,000 Amex Platinum to Marriott points (you are awarded 50,000
Amex points after hitting the $5,000 minimum spend in the first 3 months).
So we were feeling pretty good at this point…free flights, free car, free suite. But we still had to fill 4 days with activities that would surely be expensive, right? Not quite. The Bonvoy Brilliant card comes with a $300 credit that is good at any Marriott property, and since my husband and I both have one, we had a grand total of $600 of free money to spend! There was a daily resort fee of $40, so that ate up $200 of it, but I will still take a free $400 any day 🙂.
We slept in Saturday but woke up in time to hit the free
breakfast, which was amazing. Our plan
for the day was to hike up nearby Camelback Mountain, so the concierge provided
us with complimentary backpacks containing bottles of water and granola bars
and also gave us a golf cart ride to the trailhead. It was perfect weather, so we had a wonderful
hike then relaxed by the pool with drinks and appetizers before going to dinner
at J and G Steakhouse.
We booked our dinner reservation via the concierge, which is probably
why we got a table right next to the window overlooking the city. After a delicious dinner, we stopped by the
lobby to check out the live band and grab a drink. We spent a total of $290 at the resort that
day, meaning we still had $110 of free money left to play with.
After another free breakfast on
Sunday morning, we left the resort to spend the day with family that live in
the area. We spent most of the day with
my family, who graciously bought us lunch then went to my husband’s aunt’s
house in the evening. She cooked dinner
for us, so we brought a nice bottle of wine.
Overall, Sunday was a day of nearly free entertainment with family, and
we were happy to have had the opportunity to catch up with them.
We decided to take full advantage of
the amenities offered by the resort, so after breakfast Monday morning we
reserved a tennis court, which was complementary to guests for one hour per
day. The resort had impressive tennis facilities
including a pro shop and nearly a dozen courts.
The pro shop provided us with free rackets so all we had to pay was $4
for a sleeve of tennis balls. We told
the tennis pro we were not skilled tennis players and fully expected to be
delegated to a court away from any other human beings, but we were shocked when
she said “you guys will be on center court.”
As tennis novices, we weren’t sure what “center court” meant, but we
quickly discovered that it meant we got to play on the nicest tennis court they
had…the closest to Wimbledon we will ever get haha!
After an hour of tennis, we went
straight to the pool and spent most of the afternoon lounging in the sun. We ate lunch and had drinks poolside
and were pleasantly surprised when a pool attendant came to us offering
complimentary frozen grapes every 30 minutes.
I have no idea how, but the pool attendant also knew our name without us
having to introduce ourselves!
After a spectacular pool day, we decided to check out Old
Town Scottsdale, which was only a few miles from the resort. The concierge arranged a complimentary ride
to and from Old Town…the complimentary ride was in a Cadillac Escalade by the
way! We toured some art galleries and
met my husband’s aunt and uncle for dinner.
We picked up the check since they had graciously hosted us the previous
evening. After riding back to the resort
in style we ordered a nice bottle of wine via room service and watched the
sunset and stars from the balcony (ahem, I mean one of the balconies ;)) of our
suite. The poolside lunch, tennis balls,
and bottle of wine totaled $189, meaning we had maxed out our resort credit
plus another $79.
Tuesday we decided to give tennis
another shot, and we were in luck because the tennis pro gave us center court
again! They must pay a team of people to
manicure the court every night because it was pristine. It was another perfect
sunny Arizona day so we spent another day relaxing by the pool. The afternoon at the pool was almost an exact
replica of the previous pool day, with the exception of two things. One, the complementary snacks were mini fruit
smoothies instead of frozen grapes and two, we actually had to pay for
everything ourselves since we burned through the last of our resort credit the
previous day. After living like royalty
for 3 days in a row we toned things down and had a light dinner in the hotel
lobby then enjoyed a night cap at the lobby bar. The day’s activities cost a total of $205.
We woke up the next morning sad to
know that our trip was coming to an end and that we didn’t have any more resort
credit to have fun with, but it was our last bit of sunshine before heading
back to the tundra so we made the most of the day. My husband is an avid golfer, so he was
overly thrilled (in my opinion) to wake up way too early to spend way too much
money ($300) to rent clubs and play 18 holes at the resort’s golf course. After sleeping in and enjoying breakfast, all
I wanted to do was spend my few remaining hours in Arizona soaking up more sun,
so I got comfy with a book and an iced coffee in my favorite poolside lounge
chair. When I checked out of the room, I
was sure to go to the front desk to request a split charge on our Bonvoy
Brilliant cards. I had them put $300 on
one card and the remaining balance on the other, that way we only had one card
to pay off. Normally we get to the
airport a bit early to take advantage of access to the Admirals Lounge, but we
wanted to stay in the Phoenician dream world as long as possible so after checking
out we opted to have lunch on the patio at the golf course. We spent an hour rehashing all the trips we
had ever been on together and decided that this trip rivaled our honeymoon as
our best yet.
See below for a breakdown of the
cost of each part of the trip and a recap of the credit cards that made this
Cost of round trip flight for two
from ORD to Phoenix: $700
Cost of 4 drinks and snacks at ORD
Admirals Lounge: $75
Cost of GMC Terrain rental car from
Hertz plus: $230
Cost of five nights in King Suite
with Balcony Golf View with daily breakfast and valet parking at Phoenician
Canyon Suites: $6,335 (* items below included in this rate)
Cost of two hiking packs with waters
and granola bars: *included in nightly rate
Cost of poolside drinks and snacks:
Cost of dinner at J and G
Nightcap drinks at lobby bar: $15
Cost of lunch with family: free!
Cost of dinner with family: $25
Cost of 1 hour of tennis: *included
in nightly rate ($4 for tennis balls)
poolside drinks and snacks: $125
ride to and from Old Town Scottsdale in Cadillac Escalade: *included in nightly
Cost of dinner in
Old Town Scottsdale: $120
Cost of bottle of wine from room
Cost of 1 hour of tennis: *included
in nightly rate
Thank you to Derp for hosting my guest post! Mark Wednesday April 24 on your calendar and be sure to check out my new blog littlemisstraveler.com to stay up on my newest adventures. Be sure to check out my step by step guide on how to make the trip of your dreams to become reality!
I done did it now, I just opened 4 cards in the last two months and I might not be able to organically spend my way out of this hole. I might need to turn to the good old plastiq trick or even the metal bullion churn.
Here is what I need to hit:
Chase Hyatt Card (Mom’s Account Due to 5/24)
Opened 20 March 2019: $5280.22 of $6,000 spent
50K Hyatt for $6,000 total on purchases within the first 6 months of account opening
So I need to spend $6,793.92 in the next 3 months. My plan is to start up my plastiq referrals again. Please go here: http://www.plastiq.com/ and use my code: 674873 to open an account. You will earn $500 Fee Free dollars to charge to a card, and I will earn $1,000 in fee free payments. I will then use this pay off my kid’s monthly day care using a credit card.
I am not sure on the process on selling back to Amagimetals, but in my last churn I was able to sell to BGASC.com without a problem. They require minimum amount of coins before they will consider buying back. In my case I had to sell back 5 Krugerrands at one time.
I don’t have $100 in junk silver yet, but I could buy the quantity I need from Amagimetals or BGASC on a card. Then wait for silver to go up, and then mix in my collection and sell to BGASC.com for a sweet check.
I clicked the link to get this offer and I added the sale item for two 12 ounce Boneless N.Y Strip Steaks and signature seasoning at $39.99. I then added ten 4 ounce burgers for $20.99.
That is 4.625 pounds of beef for $61, which is not a great deal. However when we stack the discounts we see it’s actually in line with the supermarket. The first one is when I added the 10% military discount using troop ID.
The the 3.5% Ebates $1.92 off, and then the $15 back on AmEx makes for a grand total of $55.49 – $16.92 = $38.57 for 4.625 pounds of beef or $8.33 a pound shipped free to the house!
I just got my 4th American Airlines Citi card today using a mailer meant for someone else. I obtained it from a family member once I told them to stop trashing their junk mail. To imagine how many of these things I have thrown out myself! The code was even expired:
Your application is pending for further review, and we need additional information from you. Call 1-866-606-2787 now to receive an immediate decision.
Please have your application ID xxxxxxxxxxxx when you call. If you call now and your application is approved, your card will arrive in approximately 7-10 days.
I simultaneously got this email and text message:
Once I texted “1”, I got a phone call from a No Caller ID number. They asked to confirm that I had indeed applied for this card. I also had to choose between shifting $19,500 of credit from my prestige to this card or just accept the $5,000 of credit offered to me. I opted for the $5,000 credit limit for this new card. I was on hold for about 10 mins and then they texted me a code to confirm that I was really me.
Next time I will lower my credit limit on my existing cards to avoid the shift game. I had good luck the last two times in asking for the 75,000 point bonus for $4,000 spend that is currently out there. I was refused for the bonus match twice, but after Hanging Up and Calling Again (HUCA) I finally got someone to give it to me on the online chat.
You just need to obtain 8 mailers and have you and your player 2 hit 4 cards each for 600,000 points total, and you can fly to Paris on AA Business Class on a 787-8 for $128.23 in taxes and fees! Minus the fees you are getting about 3.2 cents per point considering the flight would have been $8,881.00!
With the same valuation, the 75,000 point offer would be worth $2,400, considering we can hit a pair of cards (8 days apart) every 65 days we can get 5 pairs of cards in one year for $24,000 in flight value assuming a constant supply of mailers.
Usually you would have to wait 24 months after receiving the bonus in any Citi card family to get another bonus. These mailer codes seem to be a work around because there is no 24 month language. This bonus was confirmed as valid on the phone call as well!
I have also not been charged the $95 for each card due to what I assume is the MLA coverage. Please don’t throw out the mailers, and send them my way! I also intend to upgrade each AA Platinum card in a year to multiple Prestige Cards worth $250 a piece in travel credit.
Edit: Rookie Mistake! I forgot to transfer available credit to another card before I closed my account! Make sure you do this first, before closing any AmEx account.
AmEx will not you you product change from one product family to another which is a bummer. Delta cards can only become other Delta Cards, and Hilton Cards can only be other Hilton Cards. This is not the case with Citibank, and I intend to convert all my AAdvantage Platinum cards into multiple Prestige cards.
My plan is to have 3 Hilton Honors Aspire cards (by upgrading the Honors and Ascend after one year), and combine points with the 3 free weekend nights. In this method, you can have a vacation from Sunday to Sunday using a combination of 5th night free points and your 3 free weekend nights. See example here:
Thursday: Zero points since 5th night is free on points booking
I would then plan on using all three weekend nights to stay Friday, Saturday, and Sunday night every year at a Hilton resort. Here the resort fee would be waived for diamond members, and then I could split charge up to $750 in hotel credits over my three Aspire cards! That would be plenty of this stuff for free:
Now I tried to charge a few things directly to the Hilton Aspire at the Oak Brook Resort without staying there, but they don’t get credited:
When incidentals are charged to the room, the credit will apply in 3 days:
Also note the credit counts towards the room rate!
The icing on the cake would be the 3 x $250 gift cards from Southwest charged to each Aspire to count as the airline incidental fee. This loophole has yet to be closed:
It may have sucked to close a card I had for 3 years, but in the long run the 3 Hilton Cards will pay up to $3,000 in tax free benefits a year!
BLUF: The churning game has changed. No longer do you just get a card for the one time bonus, but now you have more incentives than ever to keep a card open forever. Since AmEx has a strict 5 Credit (not charge) Card Limit, you need to maximize each card slot. (Please use my AmEx catchall link here to get to that goal). If done right, you and your player 2 can get $9,200 worth of travel credit to use towards your 30 days of paid leave per year.
My AmEx Credit Card Portfolio is currently in transition to a high yield card portfolio. I can only hold on to 5 AmEx Credit cards, and I am seeking maximum annual payout for during my active duty years. Currently we have maximum returns on the following products:
I now know my lowest returns are my Delta Products since I live in Chicago and not Hawaii. Assuming I always go for $500+ a night hotels, we can get a solid $800 from each Bonvoy account every year. We can get a good $1,000 out of the Hilton Honors products as well. Now is it time for me to consider killing both Delta cards and replacing them with another Hilton or Bonvoy card. Here is the situation that made me realize both Delta Cards cannot justify their existence in my Card Portfolio:
My brother in law is a huge sports fan and wants to see every ball park in America and has never been to Citi Field. On June 29th there is a 3:10 PM game at Met’s park which is right in between LaGuardia and JFK. I have never been to JFK before, and there is a nice 50K Hilton Hotel right next to the airport with an executive lounge open on Saturday and Sunday:
I looked into a flight from ORD to JFK, and one Main Cabin tickets is about $366.60 for a total of $733.20 for the pair. If we use the normal Delta Platinum Companion Pass we only pay $395.20, or a $338 savings using the Platinum companion pass.
If we wanted to be super bougie we could get a pair of first class tickets for $1,089.20, or if we used the companion pass from our Delta Reserve card we only need to spend $573.20 for a $516 savings.
But If I just used Delta Miles I could use 98,000 Delta Sky Miles for the $1089.20 flight or a solid 1 cent per point. You can get this many points and more from the blue, gold, plat, and reserve Delta Cards.
Now in the context of upgrading a pair of companion pass tickets from Main Cabin to First Class we would be spending $395.20 versus $573.20 or the difference of $178 more to fly two people in first class. Without the companion pass we would have spent $356 more than coach to fly first. If you value the nicer seats, service, and hot meals then $178 ($44.50 a segment) may be a premium you want to pay to sit right in front. Maybe you like the simultaneous window and aisle “throne” seats like all the Port side seats in first on the ERJ-175 and CRJ-900:
I could only squeeze out $516 of value from this one card which is pitiful considering you get $1,000 from Hilton Aspire and $800 from Bonvoy Brilliant.
For a transcon flight from Seattle to Boston you would only save $456 max for a main cabin ticket. However if you use it for first class you could save up to $1,135.35!
The bottom line is if you are not using the companion pass to fly a long haul route like Hawaii to Mainland (only for Hawaii Residents) or trans con SEA to BOS or JFK, it might not be worth taking a spot in you AmEx Card Portfolio. It would be hard to get $1,000+ in savings using a companion pass for pure domestic travel. I for one am planning on replacing both of my Delta Cards with the Hilton Honors card and the Hilton Honors Ascend card to upgrade to my second and third Hilton Honors Aspire Cards.
Don’t get me wrong, the 3 Delta cards I got have been a boon for free Delta Sky Miles that I have spent on Champagne and free flights!
However with the lifetime (7 years De Facto) rules on earning bonuses, these cards have outlived their purpose. Once the portfolio is maxamized to Hilton and Marriott, I can stop opening new accounts to go under 5/24. These 3 Hilton Honors Aspire Cards, and 2 Bonvoy Brilliant Cards would generate:
3 Free Weekend Nights at any Hilton Worldwide
2 Free 50K nights at any Marriott
$600 in Marriott Credit
$750 in Southwest Gift Cards
$750 in Hilton Resort Credits
Assuming we are using the free nights at a cost of $500 a night, the 5 card portfolio would mean $4,600 in free luxury travel every active duty year due to the $2,250 in annual fee waivers. With a player two you could get $9,200 to use towards your 30 days of paid leave per year. Again this is the greatest retention tool of all time!