This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. What is written in the article is the editor's opinion.
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.
In This Post
REDbird Part 2
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
|Bank||Name of Card|
|Bank of America||AAA Rewards American Express|
|Bank of America||Accelerated Rewards American Express|
|Bank of America||Asiana Airlines American Express|
|Bank of Hawaii||American Express Card with MyBankoh Rewards|
|Barclays||Travelocity Rewards American Express (no longer offered)|
|Citibank||Select / AAdvantage American Express (no longer open to new applications)|
|FIA||Fidelity Investment Rewards American Express (no longer offered).
Read my review of this card.
|First National Bank of Omaha||American Express|
|PenFed||Premium Travel Rewards American Express|
|USAA||Cashback Rewards Plus American Express|
|USAA||Cash Rewards American Express|
|US Bank||FlexPerks Travel Rewards American Express|
|Wells Fargo||Propel American Express|
|Store Card||Bloomingdale's American Express|
|Store Card (Issued by Wells Fargo)||Dillard's American Express|
|Store Card||Macy's American Express|
This list may not be complete. If anything is missing, let me know, and I will add it. (Source: here.)
If, like me, you don’t have a reliable Target at which to load a REDbird card, there might still be a chance you can earn some extra points and miles with Serve and Amex products not issued by American Express. Be aware that you are at the mercy of each issuer, as they will each have their own policies regarding cash advances, how they code the transaction, and whether or not to issue points. I’m pretty sure Citi and FIA are good to go.
Of course, I will post new, definite data after April 16th. Until then, I am going to earn a few extra AAdvantage miles thanks to a recent spend bonus I got with Barclays while the gettin’ is still good.
The points game marches onward. Stay scrappy!
BEST Current Credit Card Deals
- Chase Sapphire Preferred - 50,000 Ultimate Rewards points - Why this is the best card to start with.
- Chase Ink Cash - $500 CASH! (50,000 Chase Ultimate Rewards points) - Useful 5X for phones and office supplies and NO annual fee! COMPARE HERE.
- Blue Business Plus Amex - 10,000 Amex Membership Rewards points - The BEST card for 2X on everyday spending.
- Discover it® Cashback Match™ Card - $50 after 1st purchase within 3 months of account opening - Earn $600 cashback the 1st year.