About Harlan

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

More articles by Harlan »

In Closing: My Experience Buying a House

by Harlan 20 Comments

a room with a wood floor and double doors

Also see: 

Back in November, I wrote about wanting to close on a house in Dallas. I did, in fact, close on a house in Dallas right on schedule, on December 15th, 2015.

The new living room where I'll (hopefully!) be banging out new Out and Out posts!

My new living room!

That was almost 3 months ago, but it’s taken me this long to write about it.

A friend of mine said it best. We had lunch when she was scheduled to close on a house a few days later.

“OMG!” I exclaimed. “Are you like, so excited to be closing ?”

“Not really, actually. I’m just sort of… ready for the process to be over.”

I didn’t think much of it at the time because I still was excited to be moving toward a closing.

That is, until I got there.

Hurry up and wait

Read More

It’s Back! 75,000 Hilton Points for Citi Hilton Visa With No Annual Fee

by Harlan 4 Comments

a person looking up at a sign

Also see: 

If you want to boost your Hilton points balance, you can earn 75,000 Hilton points when you get the Citi Hilton Visa. The minimum spend is $2,000 on purchases within the 1st 3 months of account opening.

asd

75,000 Hilton points for a no annual fee card is a pretty good deal

If I didn’t already have this card, I’d sign up for it. I caved after being seriously tempted the last time this offer popped up because:

  • 75,000 Hilton points is nearly enough for 2 five-night award stays at Hilton Category 2 properties
  • The card comes with automatic Hilton Silver elite status
  • You’ll get the 5th night free on all award stays
  • The card has no annual fee
  • It helps to build a positive relationship with Citi, who you’ll note is NOT AMEX or Chase
asd

Drugstores, eh?

You’ll earn 6X points on your Hilton stays, which is awesome. (Just don’t use it outside the US, because there’s a foreign transaction fee!)

But this is one of the few cards that still earns bonus points at drugstores.

You’ll earn 3X points at supermarkets, drugstores, and gas stations. And 2X points everywhere else.

Is a Hilton card better than a 2% cash back card at drugstores?

Read More

TripBAM Monitors Your Paid Hotel Rates & Alerts You If the Price Drops

by Harlan 9 Comments

a screenshot of a hotel

Also see: 

Ever since I got my Citi Prestige card, I’m finding I have a lot more paid hotel stays. Which means:

  • It’ll be easier to earn and maintain hotel elite status (at Hilton)
  • I want to get the best possible price on every day

For my upcoming trip to Japan, the hotel rates were pretty high because of cherry blossom season. I booked anyway in hopes the prices would drop. But I didn’t know how to track it except to check manually on the hotel site every day, which sucks because it’s time-consuming.

Enter TripBAM

Read More

Yup, FoundersCard Still Offers Caesars Total Rewards Diamond Status Through 2017

by Harlan 25 Comments

a close up of a card

Also see: 

The title says it all.

I’ve written about FoundersCard a lot over the years. Some peeps think it’s phooey, others love it. I’m in the latter camp.

The selection of ancillary benefits reads like a round-up of the best of the best from co-branded cards (free TripIt Pro, Hilton Gold elite status, Cathay Pacific Silver elite status, 10% off British Airways flights).

The one benefit I’m consistently asked about is Total Rewards Diamond elite status.

It still works

Read More

United Miles Versus Singapore Miles: Which Star Alliance Partner Awards Are Cheaper With Each Program

by Harlan 5 Comments

I’m getting more into Citi’s ThankYou program recently (because Citi ThankYou points are so easy to earn).

And while I can’t totally abandon Ultimate Rewards (for access to United Airlines, British Airways, and Hyatt), I’ve been thinking of award flights where collecting Citi ThankYou points instead of Ultimate Rewards might actually make more sense.

Why Singapore Airlines miles?

Read More

Review: Air France Lounge JFK @ Terminal 1

by Harlan 8 Comments

people sitting in a room with large windows

Also see: 

Before I headed down to Martinique to stay at the Hotel La Pagerie (with the 4th night free!), I had to get to JFK to experience my first Norwegian flight, departing out of Terminal 1.

What lounges are there? The Air France Lounge and the KAL (Korean Air Lines) Business Class Lounge – Priority Pass gets you into both.

I’ve been to the KAL Lounge before and was underwhelmed. Plus, the Air France Lounge was literally right next to my departing gate (Gate 1). Perfect!

I got free admission for me and up to 2 guests thanks to the Priority Pass I got with Citi Prestige. But day passes are between $35 and $50, depending on time of day. I brought Jay with me, so I peg this visit for at least $70, and have updated the Citi Prestige by the Numbers page to reflect this visit.

The lounge

Read More

Hotel Review: La Pagerie, Les Trois Ilets, Martinique

by Harlan 4 Comments

a courtyard with palm trees and buildings

Also see: 

The ticket to Martinique cost $67 out-of-pocket ($317 fare – $250 Citi Prestige airline credit). And I booked Hotel La Pagerie through Citi Travel Concierge and got the 4th night free.

Citi Prestige saved me a boatload of cash on this trip. Safe to say I love this card.

Grounds of the Hotel La Pagerie

Grounds of the Hotel La Pagerie

Arrival and check-in

Read More

What’s with all the crap promotions lately?

by Harlan 6 Comments

a credit card with a picture of a child on a bicycle

As I look out onto the barren fields where credit card crops once grew, I mourn the loss of Chase (with the 5/24 rule). Of Citi (when they shut down so many peeps’ accounts). And definitely of AMEX (1 bonus per lifetime? Um, OK). Barclays and Bank of America are both one-card wonders (Arrival for sign-up bonus and Alaska Visa, respectively).

I don’t know about you, but I’ve received a lot of terrible offers lately. Here are the best of the worst.

AMEX

Read More

Loving Citi More Than Ever – Time to Cancel Other Cards?

by Harlan 15 Comments

a screenshot of a website

The credit card landscape is shifting fast:

  • Chase will apply the 5/24 to all its cards starting in April 2016, including co-branded and business cards
  • Citi has been shutting peeps down for usage they don’t like (multiples of any 1 card, money order payments, etc.)
  • Barclays had a good product with the Arrival Plus card, then butchered it. That was pretty much the only good card they had
  • US Bank is useless
  • Bank of America is only good for the Alaska Visa
  • Wells Fargo is a cantankerous little beast
  • There are a few other niche cards, like the Fidelity Visa and BBVA NBA card, worth looking into, but not many

Card offers come and go. Benefits change. Mergers happen and shake things up. Revenue-based elite status throws a wrench into points-earning calculations.

asd

Could ThankYou become the go-to?

Lately, I’ve been using my Citi cards for most of big purchases. And my trusty Chase Sapphire Preferred for dining.

Non-bonused spend goes on the Fidelity AMEX (I still have the AMEX version). And that’s pretty much it. All the other cards I have are for niche benefits or very specific spending (Chase Hyatt Visa, for example).

Recently, I went ahead and canceled the Chase British Airways Visa.

RIP

Bye, you useless thing

And downgraded my US Bank Club Carlson Visa Signature to the no annual fee version just to keep the credit line and history intact (here’s my recent offer to increase my credit line in exchange for 250 Club Carlson Gold points).

Poor AMEX

Read More

Bank of America Sending 30K Offers for the Alaska Airlines Card Already

by Harlan 6 Comments

a blue envelope with white text and numbers

The same day Doctor of Credit broke the news Bank of America will increase the sign-up bonus on the Alaska Airlines Visa to 30,000 Alaska miles upon approval in May, I got that exact offer in the mail. But it’s already active.

asd

One of these is not the same… 

Actually, I got two offers. One for 25,000 miles. And another for 30,000 miles upon approval.

sad

Throw in a $100 statement credit and it’s a deal

I typed in the link to the offer (alaskavisanow.com lol) and typed in the promo code in the letter. Sure enough, it works for immediate sign-ups.

If there had also been a $100 statement credit, I would’ve pulled the trigger.

Get a better offer anyway

Read More

The best card for shopping at Costco is… Citi AT&T Access More?

by Harlan 8 Comments

a screenshot of a credit card

Also see: 

In my wanderings with the Citi AT&T Access More card, I learned you’ll earn 3X Citi ThankYou points per $1 spent at Costco.com – including gift cards.

ad

This $300 Costco cash card earned 900 Citi ThankYou points with the Citi AT&T Access More card

It got me thinking… is the Citi AT&T Access More card the best card to use for shopping at Costco?

Buy Costco Cash Cards online

Read More

Confirmed: RadPad Earns 3X ThankYou Points With Citi AT&T Access More Card

by Harlan 22 Comments

a close-up of a credit card

Also see: 

Hello from sunny and HOT Martinique! I’m at Hotel La Pagerie (which I booked with the 4th night free through Citi Prestige).

Quick update because I just received my first statement on my brand new Citi AT&T Access More card.

I didn’t go for the Citi ThankYou Premier to get the full 3X on all travel including gas. Instead, I hedged my bets and got the Citi AT&T Access More card.

The main draw for me was paying rent through RadPad and earning 3X Citi ThankYou points.

And because I also have Citi Prestige, each point is worth 1.6 cents toward American Airlines flights (including codeshares). So even with RadPad’s 1.99% fee, I’d still get close to 3% back of value (4.8% – 1.99% = 2.81%).

Which is awesome – and better than a 2% cash back card obvi.

I outlined the numbers in detail here. And commenters on both Doctor of Credit and Reddit said RadPad earns 3X Citi ThankYou points per $1.

But I just had to confirm it for myself. It really does!

My 3X Citi ThankYou points experience

Read More