About Harlan

Just a dude living in Memphis, traveling, and working toward financial independence.

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Bye to RadPad, Hello to Plastiq for 2% Bill Payment Fees With MasterCard (Including Mortgages and Utilities)

by Harlan 24 Comments

a screenshot of a credit card

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RadPad has been a sweet deal these past few months thanks to their 1.99% fee for paying with a MasterCard.

You could earn 3X Citi ThankYou points by paying with the Citi AT&T Access More card (and still can until June 1st, 2016). Because I have 3 Airbnbs, it’s been a points-generating machine for me.

Even better, when you pair it with Citi Prestige, the 3X points are worth nearly 5% back when you redeem for American Airlines flights. Even with the fee considered, you still come out ahead.

Another one bites the dust-ah

Another one bites the dust-ah

RadPad increases to 3.49%

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Update: Denied for Chase Freedom Unlimited – DIAF!

by Harlan 16 Comments

a close-up of a letter

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Well, I got the letter today that I was straight-up denied for the new Chase Freedom Unlimited card (which is now open for online applications).

It was to be my last Chase card.

I kept trying to call the automated line for info (888-338-2586), but even now it still says to look for a letter in the mail. I presume this one:

asd

So ugly

The reason?

“Too many credit cards opened in the last 2 years.”

Wowwww. It’s interesting that’s listed as the only reason.

It seems this rule will now cover ALL Chase cards, including small business and co-branded cards.

DIAF – Die in a fire

Definition: To be in a fire, and die within it.

 Usage: I hate you, DIAF.

Why I applied for Chase Freedom Unlimited

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Reflecting on 3 Years of Blogging on Out and Out

by Harlan 8 Comments

a drawing of a plane flying through a line

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Three years, eh? I can hardly believe it.

When I started Out and Out, I was floating through life, working at a public relations firm in Manhattan. Yeah, your typical rat race 9 to 5 that was actually 8 to 6ish. I was tired most of the time, and didn’t travel nearly as much as I wanted. Most of my travel was to and from a cubicle.

On a whim, I bought a domain, OutAndOut.net (it still works btw), and used it as a journal for all the points and miles stuff I was reading as my daily dose of escapism under the fluorescent office lights.

Yup, that included The Points Guy, View From the Wing, and Million Mile Secrets. Those blogs have all changed in the past 3 years. And so has this one.

400 posts

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Last Chance for AMEX SPG 35,000 Point Offers (and Why I Got Both Cards)

by Harlan 8 Comments

a screen shot of a card

Update: One or more card offers below are NO LONGER AVAILABLE. Please check here for the latest deals!

OMG, cringe. Did I just write that headline? Me, Mr. “I Don’t Care About Starpoints?”

I did. A lot has changed since that proclamation nearly 3 years ago. Devaluations, tougher approval rules, and a vastly different landscape for points and miles.

In particular, you can only get an AMEX sign-up bonus once per lifetime on all their cards.

This is the highest bonus there’s ever been – and likely will ever be – on the AMEX SPG cards. I took the bait.

Last days to lock in the bonus

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Is AMEX Hilton Surpass Card Increasing to 100K Offer Soon?

by Harlan Leave A Comment

a screenshot of a computer

File this under #hypothesis and #gumshoe. But I wouldn’t be surprised if this happened soon.

Redditors are claiming they’ve seen offers to earn 100,000 Hilton points on the AMEX Hilton Surpass card. 

AYFKM?

AYFKM? Photo source: Reddit

If the offer is indeed real, if will run through May 4th, 2016. And you’ll earn 100,000 Hilton points after spending $3,000 within the first 3 months of account opening. Like previous offers, the $75 annual fee probably won’t be waived. And you’ll get Hilton Gold status just for having the card.

If you have a few breakfasts at Hilton in a year, that covers the annual fee.

This week?

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Imagining a New Premium Chase Card

by Harlan 8 Comments

a group of chairs in a lobby

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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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Vipassana Part 2: My Experience on the Path of Dhamma

by Harlan 6 Comments

a field of grass and trees

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OR,

Learning Through My Legs

OR,

Busting Through Samkaras

OR,

Vipassana: A Magic Cushion Ride

Note: This post is text-heavy and has nothing to do with points and miles. I’m writing about it here for the same reason I write Trip Reports – to share a new experience. That’s what travel is really about anyway!

In you haven’t yet, be sure to read Vipassana Part 1 to get some background info on an experience like this.

During my time at the Dhamma Siri Meditation Center in Kaufman, TX, the weather actually perfectly mirrored the entire experience. It was uncanny how perfect it was.

Days begin at 4am:

Vipassana Timetable

Vipassana Timetable

You’ll hear the loud gong of a bell at 4am. Then again at 4:20am – your signal to head to the Meditation Hall.

At the Center I attended, they have the light switch next to the bed. That first morning, I flicked the switch – and had no idea what I was really in for.

I got up, one foot in front of the other, and shortly before 4:30am, headed to the Meditation Hall for the first time.

Days 1-3: Going Inward (Rainy AF)

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Review: Sala VIP Miro Lounge @ BCN Terminal 1

by Harlan 2 Comments

a room with chairs and a railing

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“Yo, dude, Harlan. Haven’t you been back from Barcelona for like, 2 months? When you gonna wrap up the Barcelona posts?”

“I knowww. This is it. Last one, I promise!”

But for real. As I get ready to head to Tokyo, I figured I should finally put the lid on the Barcelona series. For now at least. :p

Before flying back to New York in American Airlines Business Class, I made sure to put my Priority Pass (that came with my Citi Prestige card) to good use by making a visit to the Sala VIP Miro lounge @ BCN.

Sala VIP Miro lounge

Sala VIP Miro lounge

I was able to access it with a guest for free. I added this visit to the Citi Prestige by the Numbers page.

The Sala VIP Miro lounge

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My Last Chase Card: Just Applied for Chase Freedom Unlimited

by Harlan 19 Comments

a close-up of a credit card

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UPDATE 3/31: I was denied. 🙁

Chase will soon (in April 2016) extend their restrictive 5/24 rule to all their card offerings, including co-branded and small business credit cards. And presumably to the new Chase Freedom Unlimited card when it launches online.

The 5/24 rule means if you’ve opened 5+ cards within the previous 24 months, you’ll be instantly denied for a new Chase card. I’m suddenly no longer their target market.

It’s the last week of March, which means this is my last crack at opening up that Chase Marriott Premier card or a Chase Ink Cash, for example.

Instead, I went with the Chase Freedom Unlimited, which will be available for online applications on April 7th, 2016.

However, you can apply in-branch or over the phone right now. (Or at the bottom of this page.)

So today, I strolled over to the Chase bank 2 blocks away on my lunch break (I still haven’t grocery shopped since getting back from Vipassana) and applied in-person for the new Chase Freedom Unlimited.

I love how the acronym for this card is, endearingly, FU.

Why I applied for the Chase Freedom Unlimited (FU)

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Vipassana Part 1: Getting There and About the Course

by Harlan 15 Comments

a wheel painted on a green marble surface

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Last week, I completed my first 10-day Vipassana course at the Southwest Vipassana Meditation Center in Kaufman, Texas.

Now I’m back in New York and beginning to process the whole experience.

The Wheel of Dhamma

The Wheel of Dhamma

There were so many intangible things. It’s nearly impossible to describe the tactile and transformative qualities. After speaking with a few others about the impacts, I’m realizing how radically different everyone reacts to a course like this.

So I’ll outline my experience. Yours might be similar in some ways, but totally opposite in other ways.

I’ll start with some background and info about Vipassana and the Center I attended. Then, in a second post, talk about the coursework.

And also like, wow.

What’s Vipassana?

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Why I Bought a Car With Credit Cards

by Harlan 14 Comments

a silver car parked on a concrete surface

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I’m targeting late April/early May to be out of NYC and in Dallas full-time.

For as long as I can remember, I’ve wanted a silver Subaru Forester. Buying a house and moving to Dallas meant I’d need to buy a car sooner or later.

The budget I had in mind was $6,000 for everything. Tax, title, registration, base price of the vehicle, everything.

I knew car prices tend to rise as it gets warmer, so when I found a great deal on the car I wanted in late February, I went ahead and snagged it.

My new cahhh

My new cahhh. I named him Clyde

Oh! And I wanted to pay for it in full. No financing.

Just an in-shape, reliable used car whose only expenses were maintenance, insurance, and gas. Boom.

Buying a car with credit cards

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Review: Bluff Works Travel Pants for Men

by Harlan 19 Comments

a pair of pants and a camera

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Update 3/7/16: Bluff Works has generously offered a $10 discount to Out and Out readers! Use promo code PROBLUFFOUT when you check out. It’s valid until April 15th, 2016. 

Out and Out was recently in Barcelona. For the trip, 2 very different companies set up collaborations.

The first was Coco Luxe (coconut oil on-the-go, which is one of my travel must-haves).

The other was a company that makes another kind of on-the-go products. And with it came the chance to try new pants!

About Bluff Works

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