About Harlan

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

More articles by Harlan »

Chase Is Crackin’ Down on Churners

by Harlan 18 Comments

While reviewing the new T&Cs of the:

  • Chase Ink Cash
  • Chase Ink Plus
  • Chase Sapphire Preferred

…I noticed some new language I hadn’t seen before:

Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing.

Here’s a screenshot:

asdad

It’s under “Replying to this offer”

Why this is interesting

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Awesome Things, Value From Hilton and Hyatt Points, Win SPG Points, and a New Finance Blog

by Harlan Leave A Comment

1. 1000 Awesome Things

This is such a fun blog.

A guy named Neil is working on a list of 1000 things that are… awesome. And no corner of life is left unexplored.

He’s got 161 left to go, so there’s plenty to read and lot more to look forward to. Instantly added it to my feedly. I think anyone can find something they appreciate there.

2. Virgos are having a great month

If you’re a Virgo, this is a pretty good time to be alive. For the first time in 12 years, Virgos are experiencing a solar return.

Susan Miller explains this much better than I do

Susan Miller explains this much better than I do

What’s that mean? I’ll let Susan Miller explain it. But it basically means this year is dipped in gold for the Virgo-folk out there.

I’ve experienced a turning point this month already, and things are always on the up and up.

I check in with Susan each month on Astrology Zone, as her horoscopes, whether you’re “into” astrology or not, are simply a delight to read. Her voice is so kind and knowledgeable. Love it.

3. TPG digs into Hilton

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Citi Offers to Compete With AMEX Offers “Soon”

by Harlan 6 Comments

Also see: 

I wish I got a better screenshot of this.

But it comes up right after you pull up the Citi mobile app after the September 7th update:

adad

The mobile app calls the new feature “Citi Offers”

The other screen was much more effusive, and promised new “Citi Offers” on eligible cards at certain merchants – just like AMEX Offers. The only timeline Citi offered was “soon,” but I wouldn’t be surprised if the new feature hit in the midst of the holiday shopping season.

Benefits for consumers

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ABC + FIRE! (In which life is all acronyms.)

by Harlan 3 Comments

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I’ve been looking forward to writing this post for a few months by now. Now here it is!

Yesterday, I made the final payment on my credit cards. Now, I don’t owe a cent of credit card debt!

As you guys know, I charged those puppies up to:

There was a point, a real and scary one, where I felt I’d certainly overleveraged myself.

I wrote about the feeling in Smart Debt: Is carrying a balance ever a good idea?

Side hustle of the millennium

Side hustle of the millennium

And I definitely felt I’d nearly crossed the line into plain ol’ dumb debt.

Digging out of credit card debt is by far one of the most psychologically strenuous exercises I’ve faced. And that moment where I saw the interest get charged felt so wrong, my stomach turned. But I knew I could shoulder a couple of months of interest to make it all back, plus more.

Still, it sucked.

And today is the official turning point where I go full-force into FIRE.

What is FIRE?

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New American Airlines FoundersCard Benefit: 10% Off Transatlantic Fares & 5% Off Domestically

by Harlan Leave A Comment

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At the risk of turning Out and Out into the official FoundersCard blog, I wanted to share their new American Airlines benefit. It changes quarterly, and some of them have been really good (they’ve had 5% off domestic fares before, and just had a free Platinum Status Challenge this past quarter).

10% off transatlantic fares is a new benny!

10% off transatlantic fares is a new benny!

They’ve never had 10% off fares to the UK and Europe before, so this could be useful to some.

FoundersCard + American

If you have a business class fare (or heck, even an economy fare) to Europe, you could easily save $70-$100+ on a $700-$1,000+ round-trip ticket.  5% off domestically is nice, too.

A few T&Cs to keep in mind:

  • The discount will not be applied to any government or airport imposed taxes, fees, or charges (duh)
  • Discount is only valid on published, round-trip fares
  • You must book on AA.com
  • You must purchase your ticket by November 1st, 2015
  • And travel by January 6th, 2016
  • There are blackout dates around Labor Day, Thanksgiving, and Christmas/New Year

You can use the benefit as many times as you want. You can request the 5% off code directly through the website (they’ll email it to you instantly), but you must call to get the 10% off code.

About FoundersCard

FoundersCard has a few key relationships I really value (this one with American Airlines, free Gold elite status at Hilton, 15% off AT&T cell phone bills, free TripIt Pro for a year, and a few other goodies).

It’s $395 a year, which I mostly recoup from getting 15% off my AT&T bill. Everything else, like free breakfast and late check-out at Hilton hotels, free TripIt Pro, and discounts like this one, are gravy.

If you have a few trips with American Airlines coming up, especially to Europe, 10% off could easily add up to cover the cost of the annual fee. And then you’d have all the other perks left to enjoy, so it might be worth it for a few peeps.

Bottom line

I was looking forward to seeing what the new American Airlines benefit would be, and this one is the best yet.

Too bad there are blackout dates for the holidays, but every airline has blackout dates around the holidays, so I can’t really blame ’em.

Check out my posts about if FoundersCard is worth it, some of the overall perks, and specifically the ones about travel.

Feel free to sign up using my link. I can also email invites so you can preview the website. Just comment below or email me.

Happy Saturday!

New App Alert: Mercez Helps You Pick the Right Card to Use Abroad

by Harlan 10 Comments

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Add this to apps you should download.

I love handy travel apps and saving money, and this one really impressed me.

Mercez lets you add all your credit cards, and then tells you which one has the best exchange rate abroad!

Mercez lets you add all your credit cards, and then tells you which one has the best exchange rate abroad!

What’s Mercez?

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18 FoundersCard Travel Benefits (Status, Discounts, and Freebies)

by Harlan 26 Comments

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Update: You can lock in a FoundersCard membership for $295 a year through May 13th, 2016 when you sign-up with my link. This is $100 less than the usual rate!

I’ve written lots about FoundersCard (including the eternal question: is it worth it?).

I noticed that lots of the travel benefits offered by FoundersCard are ancillary benefits of having certain co-branded credit cards. So I thought it’d be fun to explore the benefits you can get from having a FoundersCard membership (which costs $395 a year) instead of having a bunch of credit cards.

This post inspired by the Chase British Airways Visa. RIP, fallen soldier.

founderscard travel benefits

I love this little card

18 FoundersCard travel benefits, organized by type

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New Aspiration Checking Account Has 1% APY and Free Global ATM Use

by Harlan 29 Comments

a mountain with a blue circle and white text

Also see: 

Update 10/1/15: I just got my own invitation link.  Yay! You can sign up for an Aspiration Summit account here.

Update 8/26/15: I have the account set up now as well as email invites. If you’re interested, leave a comment below or shoot me an email and I’ll hook you up – it’s supposed to let you “skip the line!”

I’m always on the hunt for a great new banking product, so when I saw Aspiration’s new Summit checking account with a 1% APY (NOT APR!), I had to check it out.

aspiration summit checking account

Aspiration Summit checking account will earn you 1% APY when you have a $2,500 daily balance

I’ll show you the benefits and highlight one big caveat.

What’s Aspiration?

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IHG’s New Fall Promo (My Offer Sucks!)

by Harlan 9 Comments

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In case you guys haven’t heard, IHG has a new fall promo called Accelerate.

I won't be accelerating anywhere

I won’t be “accelerating” anywhere

This is a GREAT promo if you don’t have an IHG Rewards Club account because you can earn 2 free nights at ANY IHG hotel (1 free night for 2 stays, up to 2).

But if you’re an existing member, or Spire Elite, the offers vary from OK to “thanks for nothing.”

Compared to the “Set Your Sights” offer that had me contemplating travel to another state, this one is kinda meh.

Of the next 4 months, IHG wants me to spend 1 of them exclusively in their hotels

Of the next 4 months, IHG wants me to spend 1 of them exclusively in their hotels

Though you can sign up now, the promo runs through September 1st to December 31st, 2015.

My offer basically said spend a month in IHG hotels and we’ll give you a free stay at a Category 9 hotel (earn ~58,000 IHG points).

So I’m like thanks but no thanks.

I wonder if it has to do with my recent accidental acquisition of Spire Elite status.

Peeps on FlyerTalk have been busy posting their offers today, and they’re all really different from one another. Which is kind of interesting.

Newbies take the cake

But the real treasure is for newbies. If you don’t already have an IHG Rewards Club account, you can earn 2 free nights at ANY IHG hotel when you complete 4 separate stays. ANY!

So… you could spent $75 per night ($300) and then get 2 free nights at a hotel that goes for $600+ a night, essentially turning $300 into $1,200?!

Freaking nuts!

And remember you earn a free night certificate when you open the Chase IHG MasterCard. The annual fee is a paltry $49 and comes with IHG Platinum status, which is usually totally worthless, but does earn 50% bonus points on paid stays.

I recently broke down and opened the card and all I’ll say is that 3 free nights in a year is a lot better than just 1. And if you pick hotels that costs $600+ per night like:

… you can get damn near $2,000 of value of that – not to mention the vacation experience of a lifetime.

Don't worry, it's actually ~$781 per night after taxes and fees

Don’t worry, it’s actually ~$781 per night after taxes and fees

So if you know anyone uninitiated to IHG Rewards Club… and you can make a new account… definitely get in on this! Dang newbies. (Bitter, party of one, right here!)

Bottom line

IHG has a new fall promotion called Accelerate. It’s great for newbies/new accounts but various levels of sucky for current members.

That being said, if you have stays coming up anyway, you might as well register (or let someone else book the room for you).

Keep in mind you should sign up before you stay – IHG doesn’t credit stays after the fact.

This will be helpful for some. Between this promo and wanting to burn Hilton points, I’m torn between where to stay on an upcoming trip.

Does this promo rock your world at all? 

Must-Haves of Travel: Affordable Razors!

by Harlan 2 Comments

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So this is going to sound like an effing advertisement. And I guess it kinda is.

asd

Yes, they are f***ing great

But. If you haven’t already heard of Dollar Shave Club, you should read about it now, they are all over, even the best beard oils reviewed mention and talk about them, they truly went viral.

That’s because they’ll ship you razors each month for really cheap. And they travel well.

What’s Dollar Shave Club?

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Refer Your Friends to the SPG AMEX and Earn Up to 55,000 Bonus Starpoints Per Year

by Harlan 15 Comments

UPDATE: This offer is no longer available, but you can earn even more SPG points – 35,000 of them – through March 30, 2016! You can find the offer via my links. Click through, then select “Card Type” and “AMEX” and you will see the offer. Of course, you can still leave your links in the comments, too. Thank you!

It’s that time of year when there’s non-stop pumping of links for the SPG AMEX.

Now until September 14th, we have to survive on little points news other than 5,000 extra Starpoints on the SPG AMEX.

*yawn*

Why this card?

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