sapphire preferred

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Plastiq Rent Payments With US Bank Altitude Code as Travel but Do NOT Earn 3X

On May 1st, I got the US Bank Altitude Reserve card – the first day it was available.

I wrote how payments with Plastiq coded as travel with the Chase Sapphire Reserve card (lots of peeps on Reddit confirm this, too). So I was hoping that would be the case with the US Bank Altitude Reserve. Especially because the minimum spending requirement is $4,500 – that would’ve been a nice points haul at 3X.

us bank altitude

The merchant code gave me hope for 3X

And the charges did code as travel. But my statement just closed and I only got 1X point per $1.

This US Bank card and the Chase Sapphire Reserve are both Visa cards. So while it doesn’t work for the former, I’m hoping it will still earn 3X with the latter for a while longer.

Here’s what I found.

A charge that codes as travel but didn’t earn 3X

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Why I Product Changed to the Chase Sapphire Reserve

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I caved. And called Chase. Asked if they’d let me change my Chase Sapphire Preferred to the Chase Sapphire Reserve. And thankfully, they did.

I’m happy to report I’m now the owner of a shiny new Chase Sapphire Reserve card.

chase sapphire reserve product change

Got itttt

Here’s why I did it.

My Chase Sapphire Reserve Product Change

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[EXPIRED] Hurry! ~$500 Moneymaker on Kitchen Appliances at Kohl’s With Discover it® Cashback Match™ or Freedom

Update 10/4/16: It looks like Kohl’s gift card purchases from the MPX app are NOT coding as department store as expected. Peeps in the comments say it didn’t work with their Chase Freedom cards.

No dice here, either

No dice here, either 🙁

It looks to also be true with Discover It. My purchase coded as “Misc. General Merchandise.” So I lost the 10% cashback and will get 2% cashback instead.

I haven’t heard of this happening before now, so I will gather new data points before I recommend this moving forward. Thanks to all who let me know!

I’m bummed about this, but at least we got the 1,500 United miles (worth ~$30) as consolation. Though I would’ve preferred the cashback.

Update 10/3/16: This deal has expired. I plan on writing about my experience with it – here’s how to keep up with the blog so you’ll get the updates!

Need a little rush this weekend? How about buying $600+ worth of appliances at Kohl’s? 

Last year they had a similar appliance deal I didn’t take part in. But this year I did.

Now before you think I’m crazy (although it may be waaay too late for that), let me explain.

This is a moneymaker if you do it right!

Hat tip to Jill Cataldo for blogging about this and my friend Jas for turning me on to this deal!

Build the deal

I feel like I say this every time I write about Kohl’s, but… it’s no secret I freaking love Kohl’s.

Right now, they have a lot of appliances on sale for $17, including:

Lots of appliances for $17

Lots of appliances for $17

In total, there are 8 kitchen appliances at the $17 price. 

as

All of the items have a $12 Visa gift card rebate

And, all of the items linked above are eligible for a $12 mail-in rebate. You get a Visa gift card with a limit of 5 per product.

That means if you buy 5 of all 8 items, you can get 40 X $12 back, or $480.

Right now, there’s also a 15% promo code: SMS1871. And it does work for these items.

When you add all of them to your cart and add the promotion code, the total is ~$625. You also get $110 in Kohl’s cash to spend next week.

sa

I paid ~$625 for all 40 appliances

Note that taxes in your state might be different than mine! In Texas, the taxes came to ~$48.

And, you must purchase the items by tomorrow, October 2nd, 2016, to qualify for the rebate (here’s the rebate form). Cheers to the weekend!

Stack stack stack

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The Top Card for Beginners? Yeah, the Chase Sapphire Preferred

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I’m sure it’s happened to you at some point. A friend asks, “How do you do it?” Take all these trips to places like Hawaii, Tokyo and Osaka, Dublin, Barcelona, and more. How do you get free hotel rooms that cost hundreds of dollars a night?

“I want to travel like you do,” they say. “Where do I start?”

Chase Sapphire Preferred. You can stay at the Hyatt at the Bellevue in Philly with Chase Ultimate Rewards points

You can stay at the Hyatt at the Bellevue in Philly with Chase Ultimate Rewards points

And you have that moment where you’re thinking inside, “Well for starters, using that debit card for everything you buy isn’t helping anything.” *cough* Kierstin *cough*

You ask about their spending habits. “Do you shop online?” Definitely use a shopping portalget free miles for clicking a link.

And sign up for dining rewards while you’re at it because you never know when you’ll get some extra miles in your account – especially if you live in a mid-sized to large city.

As far as cards go… where to begin?

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MileagePlus X App: Earn Bonus United Miles at Amazon, eBay, & More

So I just got the Mileage Plus X app and am kicking myself, because it’s been available for points-earning potential since 2014.

But better late than never. And I’m discovering all these cool uses for it.

mileageplus x app

MileagePlus X – oldie but goodie

If you have the Citi AT&T Access More card, you can use it as a payment method on the app to earn a total of 5X miles on Amazon and eBay.

And, a step beyond, you can use it as a defacto shopping portal to get a better payout either in-person OR online.

I got some ‘splainin’ to do!

What’s MileagePlus X?

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Imagining a New Premium Chase Card

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There were rumors on Reddit that Chase is putting together a new premium credit card with a high annual fee a la AMEX Platinum and Citi Prestige.

Moreover, on that same link, there’s another rumor that Chase is planning an overhaul to its Ultimate Rewards program to make it less lucrative.

While I don’t believe Chase would mess with Ultimate Rewards any time soon (because they need to compete with AMEX and Citi’s transferable points programs), I do think Chase is ripe for a new ultra-premium credit card offering.

I thought it’d be fun to imagine what that card might look like. And what features it would need to have for Chase to remain a viable competitor in the premium credit card space.

A new Chase card?

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Confirmed: You can load REDbird at Target stores in New York

Here at Out and Out, I had this idea to make February “Manufactured Spend Month.”

With the impending blizzard, and then frigid single digit temps on the horizon, I used this nearly 50-degree day to manufacture some spend ahead of schedule.

First, I went to CVS with my Chase British Airways Visa Signature and got $1,000 worth of PayPal My Cash cards. The transaction went through flawlessly. And later this evening, I will pay my first round of rent utilizing RadPad.

After CVS, I dared to face the Target at Atlantic Terminal in Brooklyn, New York.

My heart was pounding as I went in. It’s perhaps the busiest Target store in the entire United States and some say one of the busiest in the Northern Hemisphere (Target does not officially publish their busiest locations), so I wasn’t sure what their stance would be on ol’ REDbird. Would it be par for the course or the one store where credit cards were NOT accepted for reloads?

My experience

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Need a Chase card?

Warning: #ShamelessPromo

As of right now, I have zero credit card affiliate links so this is the first one I’ll post.

If you’re in the market for a Chase Sapphire Preferred, or Ink Plus, consider using my links. I get 5,000 Ultimate Rewards points and you get 40,000 Ultimate Rewards points for the Sapphire Preferred (the usual signup bonus) or 70,000 Ultimate Rewards points for the Ink Plus (higher than usual signup bonus but time sensitive). Read More

Do You Get Double Points on Chase Sapphire for MTA in NYC?

Answer: YES. Absolutely. As a fellow disgruntled forced loyal MTA rider (like most of NYC), I always use my Chase Sapphire Preferred card when I load up my MetroCard. I also use it on all my other travel and restaurant spend, except when I’m trying to meet minimum spends on other cards.

You’ll also get double points for these other travel expenses:

  • Rental cars
  • Anything remotely related to air travel (tickets, drinks on the plane, baggage fees, change fees, booking fees [OK – any fees], gift cards, and some points purchases)
  • TAXIS (important to also know in NYC!)
  • Any type of car service (for the Brooklyn people)
  • Public transportation anywhere (Tube in London, BART in SF, CTA in Chicago, etc.)
  • Hotels, even including Airbnb – I confirmed this with a phone rep

Restaurants is another huge category:

  • Fast food
  • Bars
  • Lounges
  • Catering
  • And pretty much anywhere that’s coded as an “eating place” – meaning they serve food (or drinks!). I use my Sapphire in bars all the time.
Eating Place

“Eating Place” (also, I love Mexican food)

 

Interesting to note something that’s not included in the “travel” category, though: GAS. If you fill up your rental car with gas before returning it, you’ll only earn one point per dollar. Better to use the Chase Ink Plus/Bold or the American Express Premier Gold Rewards card for those transactions since they do earn two points per dollar at gas stations.

Since travel and restaurants are my two biggest spend categories, I love love love the Chase Sapphire Preferred card. Worth every penny of the $95 annual fee.

Hawaii: 10 Days and 3 Islands for $100 a Day

The Chase Sapphire Preferred card was my first premium credit card.

Before that, my credit history was full of collections, defaults, and charge-offs. My credit score was in the low 500s.

In early 2012, I resolved to finally get my credit under control. I used my tax return (in conjunction with my full-time job at the time) to pay down my credit cards to $0. I started making big payments at the end of January.

By late February, my credit score shot up to 702! Pretty amazing – but was I ready to apply for a premium card?

My relationship helped

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