About Harlan

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

More articles by Harlan »

Earning Points with Serve Reloads After April 16th

by Harlan 7 Comments

Also see:

I haven’t fallen off the earth or anything like that. Real estate in NYC is heating up, and my past few days have been pretty crazy with gearing up for the busy summer season.

I still intend to post the remaining 2 reviews from my recent NOLA excursion and have a few other things in the pipeline for ol’ Out and Out. And of course I’ve been keeping up with the latest points and miles news.

And here is a post in which I clutch at straws.

REDbird Part 2

Boo hissss

Boo hissss

After having a terrible time reloading the REDbird card at my local Target in Brooklyn, I brutally dumped it and opened a new Serve account.

So, I was pretty dismayed when I found out they were going to restrict credit card reloads to only include American Express cards starting April 16th.

“Manufacturing spend” in New York City is already hard enough, and this is definitely an added blow. But there are 2 things I can find here that still might make Serve worth it for some people.

1. Even without earning points, this is a great way to pay bills that would not otherwise accept credit cards

2. There are at least 2 Amex cards that are NOT issued by American Express that may still earn points

The first point. Although there are better ways to pay rent than with Serve, if you need to float your payments through a charge card for a month or so, you can still use your Serve account to pay your bill and give you a little extra wiggle room, which could help a lot with cash flow from month to month.

The second point. It is up to the individual card issuers about whether or not to issue points for a purchase. American Express has decided they will not issue points for their own credit cards. But what about Amex cards that are not issued by American Express?

FIA and Citi + others

Two that I can think of right away are the FIA Fidelity Amex and the Citibank Platinum AAdvantage Amex. Both banks do not currently impose cash advance fees for Serve reloads (someone correct me if I’m wrong here), and both banks should continue to issue points since the reloads code as a purchase.

American Express may not give you points, but FIA and Citi still might. And this might continue to be a good way to get either 12,000 AAdvantage miles per year for minimal effort or $240 free dollars contributed toward an IRA with Fidelity.

Then, going back to the first point, you’d still earn miles and/or points for loading up your Serve card, and then can pay rent, student loans, mortgage payments, etc. to merchants who wouldn’t otherwise accept credit cards.

List of Amex cards not issued by American Express, by issuer

Read More

My Best Advice: Stay Scrappy

by Harlan 8 Comments

Also see: 

Stay Scrappy

Stay Scrappy

scrap·py

ˈskrapē/
adjective
  1. consisting of disorganized, untidy, or incomplete parts.
    “scrappy lecture notes piled up unread”
  2. NORTH AMERICAN informal
    determined, argumentative, or pugnacious.
    “he played the part of a scrappy detective”

I’ve always liked the idea of a signature sign-off phrase. Something like, “Stay class, San Diego!” from Anchorman, but, you know, mine.

I’ve read a few articles lately about grit, getting gritty, and what gritty means. I like all of the concepts – mental toughness, determination, stick-to-it-iveness, but the word “grit” just doesn’t resonate with me for some reason.

A word that does is scrappy.

Get scrappy

This doesn’t mean combative or mean, but it does mean to stop letting people push you around – something that took me a long time to really understand. It means to stand up for yourself, and it means to live life with a certain willingness to make it through any situation. But how do you get it?

Like anything, you can teach yourself. It’s nothing more complex or simple than a mindset. It’s giving meaning to a word and then resolving to embody the meaning of that word. It’s imbuing intention into your actions. And it’s putting new actions into places to replace old actions – forming a new habit loop.

In the travel industry, and with regard to our shared passion for travel, it means so much more than that, though. Our common thread here – why you’re here, why I’m here – is travel. Being scrappy with regard to travel is a step beyond “go go go.” You must go to a place when you can, but when you get there, you must remain open to change. If you’re not changing, you’re not progressing. Progress, learning… it’s all change. A little bit every day.

Scrappy in this regard – what I consider it – is having the gumption to look out for yourself, to put yourself into situations that require real critical thinking, and to come out fighting (in a good way) on the other end. It’s prioritizing your travel goals and doing what it takes to check off items off your list.

Stay scrappy

Buy those mistake fares, burn those (Sky)miles, and be willing to rearrange your schedule to suit your decisions. With us, it’s choosing to put travel first, to make career and lifestyle decisions because of it, even to design everything around the intention to travel as much as possible. Those are bold choices, and anything bold will have naysayers. But us scrappy folk know when to listen and when to press on. That is an inherent quality of scrappiness.

  • It’s staying playful and exploring with a sense of wonder.
  • It’s having your own style of approaching new opportunities.
  • It’s staying cool when plans change.
  • It’s also being a little feisty and being willing to test new waters (like manufactured spending).

I love Urban Dictionary’s definition:

“Someone or something that appears dwarfed by a challenge, but more than compensates for seeming inadequacies through will, persistence and heart.”

Bottom line

I’m trying to focus on the positive connotations of the word “scrappy” and meditate on it a little. I’ve often come here to work out my ideas about travel, and this is another one that I’d like to continue working on.

However, even in what feels like a semi-formed state, it’s something that I do consider to be “my best advice”. And dissecting semantics is always such a personal thing, anyway. But whatever the word means to you, do that and be that. Or, if you need to, like me, find a word that has meaning for you. And then embody that word. For me, “scrappy” meant more than “grit.” And when I’m in a situation (that I put myself in) that requires a hard decision, diamond-hard toughness, or calling on my inner strength in a really big way, it’s become my mantra to myself.

So I’ll sign off with that: stay scrappy. And as always, thank you so much for reading.

Do you have a word or phrase that keeps you focused? Do you feel like travel pushes your boundaries as a person (and isn’t it great)?

Get Me to NOLA – Part Three: Get Me Out of NOLA

by Harlan Leave A Comment

Also see: 

When last we left this saga, I’d made it to New Orleans. US Airways fulfilled their carriage contract and got me to my destination safely, which is all I ever want, really.

What this little “series” is mostly about is the way US Airways/the “new American” handled not just one situation (which I would’ve totally overlooked), but several, in a row, and how that reflects on their overall operations and company culture. That is really at the root of what I’m attempting to get at in what is hopefully a snarky, self-deprecating, maybe even funny, way.

This particular entry showcases my lack of forethought on this whole topic right in the title. I expected to write a one-off post, but when I started going over 1,100 hundred words I was like, holy crap, this is serial – and left the original title.

The Tumi T-Tech saw it all

Shoutout to the Tumi T-Tech that saw it all

Anyway, the return flight from MSY-CLT was fine (how’s that for anti-climactic?). We got to the airport extra early this time, as I wasn’t sure what US Airways had really done with my return flights – I’d be reticketed and reassigned and transferred so many times, I didn’t even know what my confirmation number was any more. Plus, I didn’t want to chance it (again).

I was still a little miffed about losing a layover at DFW – I really wanted the EQPs and to visit the Centurion Lounge again – but I had to miss out on all of that.

This segment was so by-the-book that it was nearly forgettable, which, in this case, is a good thing. Because I remember all of the other segments too well, unfortunately.

In fact, when I got to CLT and to the Admirals Club (see my review here), I kinda had the feeling that it was almost too easy, purely based on my previous experiences with US Airways.

And then the delays starting rolling in.

Air traffic

Read More

Hotel Review: Radisson Blu Beke Hotel, Budapest, Hungary

by Harlan 1 Comment

Dang, I am behind on my posts.

I should continue my “Get Me to NOLA” saga, think some more about my best advice or write more about what to do in Iceland (the plan is to cover the entire perimeter of the island, in parts).

But then I realized I have still left out parts of Eurotrip 2014 after reading Travel is Free’s awesome review of the Radisson Blu Beke in Budapest this morning. I stayed at this hotel too and wanted to contribute my review and photos, because I’d argue that the room I stayed in looked even more 1970s than theirs.

Getting there

I went to the Radisson Blu Beke Hotel in Budapest in early October of 2014, right after staying at the Park Inns in Munich and Vienna.

Screenshot 2015-03-05 12.14.15I got out at BUD after flying in from VIE on an Austrian flight, paid for with 15,000 United miles. I’d already researched how to take public transportation and went to buy a bus and train ticket at the tourist desk in the airport. I walked out, hung a right, and the bus was already waiting there. I didn’t understand the announcements and relied on Google Maps to show me where to get off. Then, I took the train and got out at the bus and train terminal near the Radisson Blu Beke, and walked there in about 10 minutes.

Check-in

I found the check-in process to be really pleasant, actually. I was checked in by the assistant manager of the hotel, as I arrived in the middle of a tour group coming in, and he seemed to be supervising and helping with the overflow. Even with dozens of people in line, I was checked in in about 10 minutes, which was blazing fast, considering.

While in line, I looked around and noticed a bar attached to the lobby, and made a mental note to check it out. Along with my room key, the assistant manager gave me a coupon for a buy-one-get-one drink, which was a nice touch. It definitely did its job of getting me into the bar.

He also acknowledge my Gold status with Club Carlson and told me I’d been upgraded to a suite… sweet!

The room

Read More

New Hyatt Promotion with American… Interesting

by Harlan Leave A Comment

There is a new Hyatt promotion whereby they are offering 100,000 AAdvantage miles and a 3-night stay at either Ziva or Zilara all-inclusive resort.

To enter, you simply send a tweet with a link to the promo video, and the hashtags #HyattAllIn and #HZEntry.

The promotion has been open since February 17th and ends on March 10th, so you still have some time to enter – but not if you are a resident of either Florida or New York (hmph).

Here is a link to the complete rules of the promo. And here is my tweet that you are welcome to copy and/or modify if you’d like to enter (and feel free to follow me to Twitter, too!):

Why this is interesting

American is the only legacy airline left that doesn’t have a hotel partnership.

  • Delta is with Starwood (and sometimes Hilton) – all 3 are linked because of American Express
  • United is with Marriott (and deserve each other IMO) – and are linked because of Chase

And American doesn’t have a hotel partnership yet.

Hyatt + American would be a dream come true for me, as I love Hyatt hotels, and am partial – for now, pending further changes – to American.

After the merger completes, American will be the biggest airline in the United States. And Hyatt is far from the largest hotel chain. Their imprint is tiny compared to American’s network. American needs a hotel partner with a similarly large imprint. The obvious choice would be Hilton: they are both linked to Citibank (and to American Express, kinda) and both do not have existing partnerships.

But this Hyatt + American promo is interesting because:

  • 100,000 American miles is nothing to scoff at
  • The implication is that American will fly you to the Hyatt resort
  • This is their first promo together (that I can remember)
  • It signals that they are open to partnerships, which is exciting

In fact, in the linked YouTube video, Hyatt put a little note to American at the bottom of the video’s description: Special thanks to our friends at American Airlines. How cute!

Bottom line

Not only is this a great promotion to enter if you haven’t already (it requires just 1 tweet, and the limit is 1 per day), but it interests me highly because Hyatt and American are starting to work together.

Realistically, we won’t see any changes to American – period – until after the merger completes, but after that, I plan on bracing myself for a whole spate of rapid-fire announcements, and I wouldn’t be surprised if this partnership is in the mix.

Good luck to those who entered the promotion! Would a Hyatt + American partnership be of interest to you? Do you think it’s a good idea, or would Hilton be a better choice?

My Best Advice: Go Go Go

by Harlan 2 Comments

Also see: 

travel adviceSo I am starting today a new tag for my philosophical travel musings that really don’t fit into any other category called “My Best Advice.” It’s just that – what I have learned as a traveler and the mindsets that I’ve found to be powerful. I love hearing travel advice from others, so maybe mine will be welcomed, too.

Way back, when I was a lowly art student going to college in Chicago, I’d occasionally get invites from friends to visit their homes in other places. And every time I could, I said yes.

“Would you wanna come to middle-of-nowhere Indiana?”

Yes.

“I’m going home to Iowa for a few days, wanna join?”

Yes. 

“Ever been to St. Louis? We could take the train?”

Yes. 

“Milwaukee for the day?”

Yes.

I have nothing against Indiana, Iowa, St. Louis, or Milwaukee, but they weren’t exactly on my bucket list. But who cares? I got to see new parts of this huge country, meet new people, and see how other people lived, if only for a few days. And, in my opinion, travel is always worth it. In fact, I think it is the only thing worth going into debt for (please don’t, but suffice it to say I value it that highly).

There are many elements at play here:

  • You never know who you might meet
  • The place might end up being a gem
  • You might have a lot of fun, which would be terrible
  • Travel is something that builds you up as a person
  • It might change your outlook on life

When someone mentions Indiana, I like having a basis for that. I like knowing what Milwaukee is like. I’m glad that I went to those places.

Nowadays, I have the wonderful task of cherry-picking where I want to go next. Unless it’s a mistake or attack fare, in which case, I will most likely snap it up. It’s how I’m getting to Ireland in a few months, it’s how I went to Alaska for the first time, and to Munich for Oktoberfest. Oh, and add Iceland to the list, too!

It still happens from time to time though, that I get a random invite. These days, it’s usually for a wedding. I made it out to Westbrook, Connecticut this past summer, and I’m heading to rural Ontario, Canada in early June on the basis of a random invite. And each time something like this happens, if I can feasibly do it, I make the room in my life, and I go go go. Read More

Hotel Review: Hyatt Regency New Orleans

by Harlan 2 Comments

a building with a sign on it

Also see:

After arriving hella late to New Orleans, me and my partner Jay hopped in a cab and made our way into the city. A cab from MSY to the French Quarter area is $33 flat each way, just FYI.

The Hyatt Regency New Orleans is about 6 blocks from the French Quarter, where most of the “action” of that blurry string of days took place.

I made a map!

I made a map!

As you can see on the map, New Orleans is chain hotel heaven. There are properties from IHG, Hilton, Hyatt, Marriott, Starwood, etc.

The reason I picked this the Hyatt Regency is because I have an affinity for Hyatt, and because, over the circus that was Mardi Gras, I couldn’t find a block of consecutive days anywhere else. So, I had to move hotels – twice. But it’s good because I get to write about them now.

From my vantage point now, I liked the Hyatt Regency the best. It is a little off the well-worn French Quarter track, and isn’t particularly pedestrian friendly as it’s technically in the CBD (Central Business District), but I had no trouble getting around on foot. Might be a consideration for others, though.

Checking in

We bounced in at around 2:30pm. Check-in was supposed to be at 3pm, but judging from the constant stream of people going in and out, I could tell they might have trouble turning the rooms over so quickly.

We checked in on February 15th, and this image came to mind and made me lol:

The agent at the check-in desk told me the room wasn’t ready yet, but offered to take out bags and showed us where we could wait and grab a snack or a drink. How long would the wait be? I asked. 20 minutes. That’s nothin’. I was happy to try a New Orleans craft beer for a bit while the room got ready.

  We headed over to Borgne, the restaurant attached to the lobby. We were told that happy hour started at 3pm, but that we could order and ring everything in after 3pm. The happy hour was awesome! $3 local craft beers, $7 pitchers of sangria, $3 well drinks.   We ordered a pitcher of sangria (which was yummy and spicy), and I ordered a stout beer: the SPB Southern Prohibition Hipster Breakfast Oatmeal Stout, which is actually brewed in my home state of Mississippi. It was delish!

SPB Southern Prohibition Hipster Breakfast Oatmeal Stout - nom!

SPB Southern Prohibition Hipster Breakfast Oatmeal Stout – nom!

By the time that all went down, I went over to the check-in desk again and out room was ready by then. Perfect! So that is my check-in story. And here are some more pics.  Read More

What to Do in Iceland: South Coast

by Harlan 3 Comments

a snowy mountain with text overlay

Also see:

Iceland is a bit of an enigma for us frequent flyers. It’s not that it’s hard to get to – it’s just a 4.5 hour flight from New York – but the only airlines that fly there are Icelandair, Wow Air, and seasonally… Delta. Flights are cheap enough. Wow had KEF on sale recently for about $200 R/T, and Icelandair/Delta are around $600 R/T, depending.

There are only a couple of chain hotels, and they’re all in the northernmost capital city in the world, which is Reykjavik. Club Carlson operates two properties – the Radisson Blu 1919 and the Radisson Blu Saga, 44,000 Gold Points per night and 38,000 Gold Points per night, respectively, and Hilton also has their Hilton Reykjavik Nordica property there.

Anyway, I’m hoping to kick off a little series about what to do in Iceland, and I’ll start with the South Coast. Originally, I was going to do a post called “What to Do in Iceland (Hint: Not Reykjavik)”, but then decided to expand and break down the individual sections, because they are all vastly different. So I hope you enjoy!

South Coast

When you get to Iceland, you’ll find there is one road that is constantly referred to: The Ring Road, or Highway 1. It loops around the entire perimeter of the island. There is no way to go through Iceland, only around. The interior is uninhabited, and uninhabitable. The land in there has never been tamed, and is severe. Aside from glaciers, there are deep fissures and crevasses that are extremely dangerous.

Iceland has always had and still has deep roots to fishing. It is a huge source of export for them, and as such, most of the population has settled along the coast over the centuries (remind you of anywhere else?).

The South Coast of Iceland only has one major “town”, if you can even call it that: Vik. The town is tiny, really just a collection of hotels and a gas station, and a few restaurants.

Arrive

You probably passed this driving into Vik (waterfalls of Iceland's South Coast)

You probably passed this driving into Vik (waterfalls of Iceland’s South Coast)

After driving in from (most likely) Reykjavik, Vik, will be your next big stop more than likely. Side note: “vik” means “bay” in Icelandic. Reykjavik translates to “smoky bay” and the town of Vik is simply “bay.”

Approaching Vik

Approaching Vik

On the way from Reykjavik, you will have most likely stopped at the “Golden Circle” and maybe explored Reykjavik and the Reykjanes peninsula a little bit. You are most likely going to Jokulsarlon (“glacier lake”), Vatnajokull (“vatn” is “water” and “jokull” is “glacier” – this one is Europe’s largest and is about 11% of Iceland’s total surface area), and to see the astounding black sand beaches and huge columns of natural basalt, and maybe the simple, understated and completely elegant lighthouses.

Black sand beach in Vik

Black sand beach in Vik

You are not going for the weather. Vik is very rainy. They receive about 3 times the precipitation that Reykjavik does, and about 5 times what the North Coast receives. But it doesn’t matter. Iceland has its weather and it’s worth going anyway. You are bound to hit a good patch of weather at some point.

Stay

Read More

Lunch at Muriel’s Jackson Square in New Orleans

by Harlan 3 Comments

Muriel’s Jackson Square, 801 Chartres Street, New Orleans, LA

(504) 568-1885

www.muriels.com

Every time I go to New Orleans, I make sure to stop in at Muriel’s Jackson Square for lunch.

The first time I went to Muriel’s was in 2011, when I was in New Orleans for a birthday trip. It’s near a few voodoo/magick shops (Voodoo Authentica, French Quarter Gem and Lapidary, Esoterica – I like all that stuff), and after exploring for a few hours, was ready to grab some lunch.

It’s on the “northeast” corner (NOLA is kinda tilted, like Manhattan, but even more so) of Chartres and St Ann. What got me in was the lunch special… and the $4 lunch special martinis. Seeing that was like catnip, especially after coming from New York, home of the $16 martini.

On my recent trip to New Orleans, I went to Muriel’s again to continue the lunch tradition. It was as good as ever, even at the height of Mardi Gras madness. I wanted to share it with you guys.

Menu

Table at Muriel's

Table at Muriel’s

They focus on Southern/Cajun classics. It’s one of those places where everything on the menu is good – seriously, order anything, you can’t go wrong. I was really in the mood for catfish during this trip (had a catfish po’ boy and a couple other catfish dishes), but this one was unsurprisingly the best I had.

Here’s their lunch menu:

Muriel's lunch menu (click to enlarge)

Muriel’s lunch menu (click to enlarge)

They use high-quality ingredients and the dishes have huge flavor – lots of spices and richness and unexpected combinations. I got the Blackened Mississippi Catfish and my partner got the Crawfish Etouffee. The prices for the entrees are reasonable, especially considering the level of service they offer.

Blackened Mississippi Catfish

Blackened Mississippi Catfish

I love the presentation. And of course I had to get a round of dirty vodka martinis. They are delicious.

Martini

Martini

The menu is extensive and the food is delicious, which is important, but it’s all the other stuff that I love about this place.

Service and decor

Read More

Get Me to NOLA – Part Two: A Middle Seat in Economy

by Harlan 1 Comment

a close up of a ticket

Also see: 

This is gonna be a histrionic, text-heavy post, I can just feel it. 

Faced with the prospect of spending 2 hours at EWR, I made my way to the Admirals Club – thank god there was one. Well, it was really a US Airways Club with the branding replaced. Everything about Terminal A in EWR is “US Airways.”

I thought maybe I could get some additional help with my routing and getting down to New Orleans in the Admirals Club. I explained that my check-in had flubbed and that I’d been separated from my companion. Not only that, but the plane had just left with my seat still available. And now, what were my options?

I said I was on standby for the next flight already. Was there anything else I could do? Any way to get a confirmed ticket – I’d even be willing to connect somewhere?

“The next flight to Charlotte after that one is at 1:15pm.” (7 hours after my original 6am flight, mind you.)

“I don’t want to wait that long. Could I connect somewhere else? Philadelphia, O’Hare…?”

“After the 1:15pm, we’re sold out for the rest of the day. You can try again tomorrow.”

Really. So at this point I was not feeling too great. So I grabbed some OJ, a yogurt, and a coffee, and wanted the Departures board like a hawk.

Before boarding, I made my way back to the gate agent before they got too overwhelmed for the flight I was hoping to get on.

“Just wanted to see if I’m having any luck getting onto this flight.” *presented my boarding pass*

The agent furrowed her brow and said, “Mmm. Hmmm. Ahhhh. Not looking too good.”

OK. “What can I do if I don’t get on this flight?”

While she plugged away at her computer, I pulled up flights on the American app. There was a 9:45am from LGA. I noted it mentally.

“Well,” she said finally. “You could always take the train to Philly. Yeah.” I’m not sure what kind of look I had outwardly, but I was thinking to myself, “You have got to be freaking kidding me.”

“You just take the AirTrain to [station] and transfer at [other station].”

“And how long does that take?”

“Two hours. If you leave right now…”

“But what if I get on this flight? And what about this 9:45am from LGA?” I read her the flight numbers.

“Oh, yeah. I see that. American flights,” and she chuckled to herself.

“Yes, American flights,” I confirmed.

“Oh, well that might work. Take a seat. But it’s not looking good.”

Moment of truth

Read More

Barclays US Airways MasterCard holders: did you get a 50% bonus?

by Harlan 5 Comments

Very cool. Barclays is offering a 50% bonus on all spend for March through June for up to $20,000 in spend. This equates to 1.5 miles per dollar, which is a pretty nice rate of return for an airline cobranded card.

I value all my miles at 2 cents per dollar, so this is effectively 3% back if you value your miles the same way. At 1.5 miles per dollar, this matches what you’d earn by meeting the minimum transactions on an Amex EveryDay card for non-bonused spending, and obviously exceeds cards where you only earn one mile or point per dollar

With the merger between American and US Airways happening quickly, these miles will be incredibly useful on American pretty soon.

I’ll still give preference to my cards with category bonuses (groceries on the Chase Freedom this quarter, phone bill on the Chase Ink Plus, etc.), but will probably filter some spend onto this card after I max out the bonus I recently got on my US Bank Club Carlson Visa, which also begins in March – and it’s great to see credit card companies rewarding ongoing spending!

To check if you were targeted look under “Barclaycard extras” after you log in to the Barclays website:

The offer will show up here, if you're targeted

The offer will show up here, if you’re targeted

Then just check the box and click “Submit” – easy peezy.

Screenshot 2015-02-25 00.52.19

I’m just happy I made a screenshot before I clicked

Boom - enlarge to read T&Cs

Boom – click to enlarge to read T&Cs

Bottom line

It seems like a lot of US Airways MasterCard holders are being targeted for this offer without regard to account age, so if you’re new to the card or have had it for a while, it might be worth checking.

Were you targeted for this bonus? Will it encourage you to shift spend over to this card for a while? 

HT to Frequent Miler.

Targeted Club Carlson Visa Promo: 6 points per dollar in March and April

by Harlan 9 Comments

Screenshot 2015-02-23 16.18.04A really cool promo with some very confusing wording is being offered to select US Bank Club Carlson Visa cardholders.

It’s no secret that I love Club Carlson points. It’s probably my favorite hotel chain for collecting and redeeming points, alongside Hyatt. I use my Club Carlson Visa quite a bit – in fact, I’d argue that it’s one of the best cards for everyday, non-bonused spend as it earns 5 points per dollar on every purchase.

I use the card quite a bit already, so it’s not like I need to be incentivized to use it more, but all the same, I got targeted for a new promo where I can earn up to 2,000 bonus Gold points during March and April.

Le offer email

Le offer email

That’s nice and all, but you have to unravel some really squirrely language in the T&Cs:

T&Cs (click to enlarge)

T&Cs (click to enlarge)

OK, so here’s how I’m interpreting this (sorry, it’s been a really long day and my brain is mush):

You have to spend on the card $1,900 to “unlock” the bonus points. After that, the next $2,000 spent on the card will earn 6 points per dollar. And after that, you go back to the normal 5 points per dollar.

Is this right? Is it just me or is this some seriously roundabout wording?

Bottom line

I’m glad to see US Bank stepping up their offerings (and this is a great article about how to get a free checking account + $100 for putting $1,000 in a savings account with US Bank) and offering some bonus points, even to customers who regularly use the card.

Getting past the initial $1,900 shouldn’t be too hard, and then the other $2,000 will be pretty easy as well – but I won’t let this card touch my new, re-virginized Serve account. I’ve had luck buying PayPal cards with the Club Carlson Visa at CVS as well as using it for Evolve Money payments while they were accidentally free for a sec (and still are until tomorrow, presumably).

I’ve added a reminder in my Evernote account to switch out my cards on March 1st, as I’m focusing my spend on other cards right now.

Was anyone else targeted for this offer, or perhaps for another one? Would love to know if there are any variations on this promo.