Cut to the Chase: Get the Amex Blue For Business Immediately

Get the Amex Blue for Business card right now! I don’t have an affiliate link for you, but it shouldn’t be too hard to find the current bonus offer, given that half the ads in my Facebook feed are for this card. What’s that? It’s Christmas Eve and you’re observing the birth of your Lord with your family and you don’t have time to think about credit cards? Pish posh! You’re either in this game or you aren’t, so get busy applyin’ or get busy dyin’.

It’s not exactly a secret that there’s an amazing offer on this card, although the temperature of the blogosphere is decidedly tepid for some reason. To recap, here’s what you get:

  • No annual fee
  • 10,000 points after your first purchase (!)
  • 10x points on restaurants for the first 6 months, up to 20,000 points
  • 2x points on all spending for the first year (!!!!!)
  • 30% annual bonus on all base points earned on the card

Holy shit, right? Can you imagine how The Points Guy would react if Chase offered a card with this earning structure? As it was, the Blapphire Reblerve pretty much broke the internet when it was announced, and it’s nowhere near as good of an earner as this card. Then, Amex debuted the “Enhanced” Business Platinum card to much fanfare, even though most of the benefits don’t apply to most people. To wit: you get a 50% bonus on purchases over $5,000 and a 100,000-point bonus after spending $15,000 in the first 3 months – great if you actually own a going concern that can spend that much, but not as relevant to the hobby businesses that a lot of us use to justify opening business cards in the first place. Maybe those those two introductions, as well as the 80k offer on Chase’s new business card, sucked up all the available oxygen and there wasn’t enough left to wax orgasmic about how great the Blue for Business card is. Still, I can’t get over the fact that there’s a credit card out there that earns 2.3 points on all spending for a year and people aren’t falling all over themselves to get it.

Now, there are a couple caveats here that I should point out, lest I be accused of being an unapologetic Amex fanboy:

  • This is a business card, so you do need a business to open one. That said, Amex does almost no verification at all, so as long as you’ve sold a couple things on eBay in the past year, you’re probably good.
  • The points that the card earns are not “full” membership rewards points, in that you can’t transfer them to partners unless you have a card that does earn transferrable points (in which case the points all pool into one account). If you’re super averse to paying fees to Amex, though, you can always open an Everyday card, which earns full membership rewards points and has no annual fee.
  • The 10x on dining isn’t as great as it sounds, since spending there trades off with spending on a card that would earn up to 5x anyway. It works out to a 10-15K bonus on dining spend over six months, which is good but not amazing.
  • You can’t stack the bonuses – so when you earn double points on all spending, that doesn’t mean you earn 20x on dining, and when you earn a 30% bonus, you don’t get 30% of 10x. Instead, you earn base points that post the month after each statement closes, as well as bonus points that post with each transaction, creating a steady trickle of membership rewards points. Here’s what my account activity looks like:

mractivity

(As you can see, I’m earning my “extra” points right away, and then I’ll get the 1 point-per-dollar base earn rate every month when the statement closes. The 30% bonus will be on those base points (I’m assuming), so by the end of the year I’ll earn net 2.3x on all spending and net 10.3x on dining.)

I don’t know what the point of writing this post is – I’m assuming the five or six people who read this blog regularly are already familiar with this card and have incorporated it into their portfolio already. I suppose I’m more interested in the way the excitement dynamic operates such that what I consider to be the most lucrative earning offer I’ve seen since I got into this game gets such comparatively little ink spilled about it. Either that or I’m blatantly trying to get Amex to give me an affiliate link, since it’s fucking Christmas Eve for fuck’s sake and I’m posting on my blog about their credit cards. Happy Holidays!

Swiss Bliss

This is a follow-up to my post yesterday about business class availability on Swiss around the dates I’ll be traveling next spring. After thinking on it some more, I realized that after a long week working at a trade show, it was*really* going to suck waking up at 5AM to catch a flight from Zurich to Copenhagen followed by a 3 1/2 hour layover. Also, there’s the novelty aspect to consider: I really liked SAS business class, but I do this so infrequently that I should take the opportunity to try different products when I can. While my cocoon in 9H on SAS would have been a great way to get from Europe to San Francisco, that connection was really eating at me now that Swiss popped up with some availability on a direct flight.

Here’s what I did. Feel free to weigh in to let me know what I did right or wrong, or how you would have handled this change. First, I checked the seat map on Expertflyer and found four throne seats still available. Most of them are blocked, I assume for Swiss elites, so my options were limited to the back part of the business class cabin. (From one review, I read that those seats in the back of biz aren’t great, since they’re close to the bassinet rows in the economy cabin. Hopefully it’s not too much of an issue.) After verifying throne availability, I was ready to make the change, but I was really worried that whatever rep I spoke to on the phone wouldn’t be able to put me in one of the seats I wanted. Plus, I did NOT want to call Aeroplan’s contact center to change my flight. The reps are nice, but god dammit if it doesn’t take an hour to get through to someone.

So, with all that in mind, I transferred 55,000 Amex points to my Aeroplan account and booked the ticket on Swiss before canceling the original SAS booking. I figured that if I called in and couldn’t get the seat I wanted, I could keep both open and decide my fate at a later date. It also meant that no matter what, I would have 55,000 less Amex points and a stash of 55,000 Aeroplan miles. That’s not a huge problem for me, though, since I use Aeroplan a lot, so I’m quite sure those points won’t languish for very long. I called Swiss and got a rep on the first ring, and he happily confirmed my second choice seat (the first choice – 7A – is blocked for people traveling with infants). After that, I canceled my original SAS booking with a couple clicks. Also, as a bonus, I found out that the new Aeroplan fees don’t apply to tickets booked before December 6th, so it was only 90 CAD to cancel – whereas it would have been 150 if I wanted to cancel the new booking I just made.

Whew! So there you have it – a very boring, windbaggy walk through my decision process in crafting an itinerary that’s still 6 months away. Still, though – Swiss! I’m pretty excited – the throne seats on the 777 look awesome, and I’m excited to get to the airport early and hang out on the terrace in the business class lounge.

Swiss Miss?

As I work my way through becoming a certified “blogging expert” – which is totally a thing – one of the things I never know about is whether stuff I happen upon will be of interest to you, my loyal reader(s). Hyatt mistake price at a mediocre hotel in Paris? OMG LOL OMFG!!!! Tons of availability in first class from New Zealand to the US? Snoozeville. So, with that in mind, here’s something:

Swiss just loaded a bunch of business class availability from Zurich to San Francisco next spring. I found out because I have a bunch of Expertflyer alerts set for the day I’m flying home from my trade show in Germany in June. Here’s United’s calendar for that route (some of those days with availability are for mixed cabin awards on other carriers, but most of them have direct availability on Swiss):

swissmiss

As far as my situation is concerned, I’m trying to decide whether or not to change my current itinerary, which is in business class on SAS via Copenhagen. There are some pros and cons to changing. Pro: no connection, no 7AM flight from Zurich to Copenhagen followed by a 3-hour layover, and the direct flight on Swiss would give me time to check out the awesome-looking terrace in the Swiss business class lounge. Con: Aeroplan’s new higher change fee ($150 CAD). Plus, I’d have to call Swiss customer service to pick a seat, since there are only a limited number of “throne” seats, and all but three are currently filled on the day I need to fly – and it would suck if I went through the hassle of calling Aeroplan to change my flight only to find out I had to *GASP* sit next to a stranger. Plus, I’m booked in 9H on my SAS flight, which, as you’ll know as a loyal reader of my blog, is my favorite seat on the plane. I think it’s worth the shitty itinerary in exchange for 11 hours in 9H on SAS’s A340 vs. rolling the dice on Swiss. That said, I also have a bunch of alerts for first class awards back from Europe on that day (Swiss via ZRH, which I know is unlikely, as well as Singapore and Lufthansa via Frankfurt), and I’ll jump through all manner of hoops if any of those become available.

So there you go – is this interesting to you? Is it rare for Swiss to release so much award space? Does that calendar not really count as “so much,” since there’s only availability on around half of the days? Who knows, but if I help just one person fly back from Europe in luxury, then I’ve succeeded at life.

How Kaiser Permanente’s unlawful harassment got me 1500 bonus Amex points…

Here’s a manufactured spend trick for you:

  • Step 1: come home to find your wife seriously ill
  • Step 2: call 911 in a panic
  • Step 3: spend most of the night in the ER thanking whoever the fuck your atheist ass can thank that she’s okay
  • Step 4: NEVER GET A BILL MAILED TO YOU BECAUSE KAISER PERMANENTE IS A KAFKAESQUE NIGHTMARE FROM WHICH YOU WILL NEVER WAKE UP
  • Step 5: Get a bill from a collection agency, because Kaiser turned your account over to collections less than two months after the original incident and after telling you multiple times over email and in person that they haven’t generated a bill for you yet
  • Step 6: Immediately pay the collection bill, because your credit is now at risk due to Kaiser unlawfully harassing you into paying a debt before it’s due
  • Step 7: Rake in the points, because for some reason the collection agency is a small business in Amex’s eyes and you get double points at small businesses through the end of the year. (I’m sure this collection agency is a real mom & pop shop, too – just a guy named Sal, his wife Rose, and their trusty lead pipe Larry.)

RINSE, REPEAT! I’m kind of shocked no other blogs have written about this yet, but at least that will keep it from getting squashed like all the other good manufactured spend outlets. Let me know in the comments if you’ve become gravely ill and leveraged this amazing opportunity as well.

What trips am I taking with my bonus points from Amex’s SHOP SMALL promotion?

I don’t know, I think I might have enough for an uber ride to the Whole Foods that’s a block away from my office. I might be cutting it close, so I may take uber-pool instead.

Like many of you, I was really excited about the shop small promotion, thinking I’d rack up tons of extra points. Now that it has been live for a month, I decided to check back and see how I’m doing. The results are underwhelming, to say the least: 384 measly points so far. I haven’t been going out of my way to check if places are on Amex’s list of approved small businesses, but I guess it’s more limiting than I thought.

I can’t fault Amex, though – I’ve earned so many points with them in the last two years, I’m just grateful not to be blacklisted (I don’t manufacture spend or anything, this is just from signing up for new cards). Just today I earned 5000 points + 2500 Delta miles for adding an authorized user to two of my accounts. And I’m already licking my chops about the Blue for Business limited time bonus of 2x points on all spending for a year. But just concerning shop small, the promotion really is “small” indeed.

Is anyone out there killing it with this promo? If the tattoo shop where Justine just got an upper arm sleeve qualified, I’d be doing a lot better…

WYDWJTADBDDBHWVI? (That’s short for “Would you do what Jordan thought about doing but didn’t do because his wife vetoed it?)

Travel priority one right now is going back to the Faroe Islands. I’ve been to some amazing places, but I’ve never in my life felt the same mixture of serenity and boundless excitement that I felt there. Justine feels the same way, so we’re planning our next trip. As established in the “About Me” section that I’m sure you’ve read by now, I can’t exactly pick up and travel for a week or two at a time whenever I want, but there are general windows in which I can travel, and September of 2017 is one of them. (I know I plan insanely far in advance, but it’s kind of the only way I can take trips like that at all.)

So, September of 2017 – what does availability look like? The problem with the Faroes is that there is only one routing that can get me there with one stop: SFO-CPH-FAE. And only one alliance-partnered airline operates that route: SAS. (Norwegian operates OAK-CPH, but they’re not part of an alliance, so I can’t book them with points.) A new development is that SAS is now serving CPH-FAE (not just codesharing with Atlantic). This is pretty big news for me, since SAS’s codeshare with Atlantic didn’t translate into Aeroplan and United recognizing FAE as a Star Alliance destination, so it was necessary to purchase CPH-FAE separately on my last trip. Now that SAS operates the flight with their own planes, United and Aeroplan both show SFO-FAE as a legitimate routing for the normal USA-Europe price.

Problem is, SAS’s availability isn’t great. It’s not Air New Zealand-level bad, as evidenced by the fact that I’m flying CPH-SFO this June when I come back from my trade show in Europe. But especially on that route, it can be tough to find space. Not to be deterred, I dug and dug to find acceptable routings and pitched the following to Justine last night, both of which were vetoed. I’m curious if you would have done any of these, or if I’m crazy for even considering them! I think they sounded pretty good, but I don’t want to use all the points required if my travel companion is going to be miserable with all the connections.

Outbound option 1:
OAK-SLC-AMS-CPH-FAE
(Buy OAK-SLC for ~$100, SLC-AMS in KLM 787-9 business for 70k Delta miles, AMS-CPH-FAE on SAS for $150)

Outbound option 2:
SFO-ORD-CPH-FAE
(This is all one award routing – amazingly – although the SFO-ORD and CPH-FAE legs are in economy)

Return option 1:
FAE-CPH-AMS-LAX-SFO
(Basically the reverse of the first outbound option, with LAX instead of SLC)

Return option 2:
FAE-KEF-SEA-SFO
(Buy FAE-KEF for ~$100, KEF-SEA in Icelandic business for 50k Alaska miles +$100, SEA-SFO as part of the same award but in economy)

What do you think? If you had the miles and the inclination to go to the Faroe Islands, would you settle for any of these, or would you keep digging? And have I missed any obvious options here?

That’s AMBASSADOR Jordan to you, sir.

Back in the pre-Leff days of this blog, I wrote a post evaluating whether IHG Ambassador status is worth it. After another year, my final answer is… kind of? It’s great for people like me who don’t travel enough to get high-level status with another chain. If you have Hyatt Diamond (oh, sorry I meant Hyatt “Exploratoriest”), you get sweet suites and suite sweets (AKA free in-room breakfast), so it wouldn’t make sense to pay IHG $200 to get a couple grapes and a free movie. However, if you’re me, and the only status you have is the mid-tier stuff you get from co-brand credit cards, Ambassador is a nice way to buy up to an actual elite tier. While the benefits on paper don’t map directly to SPG Platinum or Hyatt Globalier (AKA no free breakfast), I have found Ambassador upgrades to be very reliable, much to the contrary of every other hotel chain. As far as upgrades are concerned, SPG Gold at W San Francisco = worthless. Hyatt Platinum at every Hyatt I’ve ever been to = worthless. Hilton Gold at the Copenhagen Airport Hilton = worthful, but seems to be an anomaly.

To recap my Intercontinental stays since I bought Ambassador status:
– Intercontinental Monterey: booked standard room, upgraded to one-bedroom suite with view
– Intercontinental San Francisco: booked jr. suite and no upgrade to a larger suite was available, so I got free breakfast and lounge access instead.
– Intercontinental Austin: booked standard room, upgraded to one-bedroom suite
– Intercontinental Times Square: booked standard room on points, no upgrade
– Venetian: booked some overly large suite and upgraded to an even overly larger suite on a high floor with a good view.
– Intercontinental San Francisco: booked jr. suite, upgraded to one-bedroom suite plus lounge access because they remembered the last time when I didn’t get an upgrade and were STILL apologizing for it.
– Intercontinental Amstel: booked standard room on points, still got upgraded to a one-bedroom suite.

Nice, right? I only struck out once, which is a pretty good track record. I knew when I renewed my membership this year that I probably wouldn’t stay at very many IC’s, but I basically paid $150 to gamble that I’d get a nice upgrade when my wife and I went to Amsterdam, and I totally scored. It was a 3-night stay, and I consider it a great deal to essentially pay $50 per night for a one-bedroom suite. Plus all the other benefits (4PM guaranteed checkout, a grape or two, free movie, etc).

Oh yeah, and what about the free weekend night certificate? FUCK THE FREE WEEKEND NIGHT CERTIFICATE. You’ll notice that I evaluated Ambassador status as if said certificate didn’t exist, because I think it can still be worth it even if you put the certificate into the shredder where it belongs. Am I overreacting? Probably. But here’s why I’m mad at IHG and thinking of not renewing next year…

This April, I got an email telling me to renew my membership even though it wouldn’t expire until July. I decided to get it over with and renewed for another year, but they sent me my certificate right away. Fine, that’s proactive customer service, except that the certificate was dated to expire in May of 2017, two months before my Ambassador status expires. IHG confirmed with me today that I would indeed have to use the certificate by May, and that it’s their policy to send it out immediately when you renew. So that stay at the Intercontinental Chicago that I booked in June thinking I’d use the certificate? No dice, just head lice.

I suppose I didn’t actually lose out on anything, since I still had a 12-month window in which to use the certificate, but I’m mad that my original plan fell apart and that I likely won’t have a chance to use the certificate at all this year. Plus, I’m in a bad mood because of my fucking lipid profile and so I’m taking it out by writing on my blog about how I hate IHG.

Fuck you, IHG!

DISTRESSED INVENTORY ALERT! NZ to USA in Global First

Since my wife is from New Zealand, I pay particular attention to points/miles trends there, especially considering that the flight from SFO in economy on Air New Zealand totally sucks. Once the safety video is over, the fun stops as you contemplate 12 hours in a 17″ wide seat on a flight that’s almost always completely full. A couple other things about Air New Zealand that make me hate them: they NEVER release business class award space, and until very recently, the had a monopoly on nonstop routes to NZ, so no one could do anything about it.

Lucky us, then, when United and American both started offering nonstop flights there, finally providing some downward price pressure on Air NZ, leading to some awesome fare sales earlier this year. Some business class availability on United started to trickle out as well, although you had to book really far in advance to get it. Still, a promising sign.

Anyway, Justine has a trip home in a couple weeks, and I originally booked her a round trip in economy (half through United and the other half through Aeroplan) – not a great use of points, but we didn’t have $1000 laying around when she planned the trip, so we used the rest of my United miles and some Amex points. This was back in April, shortly after the route was announced, and all the flights were scheduled on a 787-8. However, I checked recently and noticed that United has subbed a 777-200 on that route for the indefinite future, which had me wondering… what about Global First? If they originally announced the flights on 787s, then the flight was on sale for a long time without any first class seats being offered. I figured there was a chance those GF seats would become distressed inventory, and I set an ExpertFlyer alert for both her outbound and return legs.

Today, I got a notification that there were available Global First on her return leg, so I scrambled to change the flight. Because that leg was originally booked through Aeroplan, I didn’t want to just upgrade the ticket, since Aeroplan charges 110,000 miles vs only 80,000 on United. Instead, I canceled the ticket for ~$135 (luckily this happened before they raise their fees). Turns out: you CAN cancel an Aeroplan ticket inside 22 days, even though the website says you can’t. Just ask the rep to move your ticket to a date more than 22 days away, and then have them cancel that ticket. You have to pay the fee twice, but it’s still less than a single change/cancellation on United or Delta (though again, that’s unfortunately changing soon). I then transferred most of my Sapphire Reserve bonus to United and booked the first class award from there.

After the dust settled, I looked on ExpertFlyer some more, and gadzooks there is some insane availability right now, as long as you can swallow the $75 close-in booking fee. (And, of course, assuming you plan to be in New Zealand in the near future.) Thing is, I don’t know how long this has been going on, or whether it will continue. Looking out into the future yields no hits, so it seems like this really is a last-minute dump of inventory that went unsold. I’ll keep checking back to see if they keep putting new seats up, or if it’s only a one-time bonanza. Anyway, here’s a sample of what I saw when I looked for FIVE first class saver seats:

nzavail.jpg

My screen shot got cut off, but basically – I searched 11/12/16 +/- 3 days and saw at least one seat available every day, and up to 5 seats available most days. That’s nuts! Anyway, if you can book travel on short notice and have a good way to get out to New Zealand, this could present a nice opportunity for you to get back home.

Let me know in the comments if you end up taking advantage of this – I’m curious if it’s useful. When I found that Hyatt thing, I figured no one would care, and it blew up big time, so I can’t really tell in advance.

Why I’m getting rid of my City National Bank Crystal Card

The City National Bank Crystal card really is a hot little number, and the “should I stay or should I go” decision I had to make recently was fairly difficult.

In the “keep” column:

  • It has a $250 airline credit PER CARD, and authorized user cards are fee-free
  • It gets me 12 Gogo Wifi passes per year – a nice perk although obviously not a game-changer
  • It gets my wife a free Priority Pass membership

In the “throw that piece of shit in the trash where it belongs” column:

  • The annual fee is $400 per year. While it’s possible to make it back through the airline credit, it’s still a lot of cash to fork out at once.
  • The benefits I actually use (Priority Pass, mostly) I can get from other cards.
  • My favorite benefit, the free CLEAR membership, got nixed.
  • I don’t use a lot of the other benefits. This card has TONS of great benefits, but among the ones I went a whole year without using are: status at Relais & Chateaux hotels, the Visa Infinite concierge, $100 discount when buying to roundtrip economy tickets, roadside assistance, and the Visa Infinite luxury hotels program.
crystal-card
Do you think John Q. Customer could beat up L. Walker in a fight?

In the past, I’ve always said the card is a no-brainer to keep, since it’s essentially fee-negative. In 2015 and 2016, I earned $500 in United Gift Registry funds via the airline credit. However: there’s one big downside to this besides tying up cash in United credit – it’s a fucking pain in the ass. Any transaction over $50 won’t get reimbursed, so I need to do ten separate gift registry transactions, and I need to monitor each one to make sure it’s going to get reimbursed before moving on to the next one. See, CNB isn’t exactly the most sophisticated operation, so there’s no guarantee that the reimbursement is going to come through in the first place.

Also, CNB changed the terms a lot during the first year, which doesn’t inspire confidence that I’ll be able to keep relying on that $500 per year fee offset. For example: the credit originally applied to seat upgrades, but they canceled that benefit. They originally offered 3x points on grocery store purchases, then switched to 1x, then switched back to 3x. The card included a free CLEAR membership but then removed that benefit after only a few months. With all this in mind, I really didn’t want to plunk down $400 only to find out that I wouldn’t be able to recoup any of it.

Overall, this card is really interesting since I don’t think CNB really tries to make money off of it the way Amex and Chase do. Their MO as a bank is to appeal to rich people, and to offer those rich people a vertically integrated suite of financial solutions. I’m certain they had NO IDEA that the 100,000 point bonus they offered last fall would get picked up by churning blogs and lead to people storming branches in the handful of states where they operate trying to open the card.

cnblocation400park_exterior

In fact, the CNB banker I talked to was downright confused how I even found my way in there. I went in talking about opening a checking account and applying for a Crystal card, and he actually asked me if I knew the type of clientele CNB usually caters to. Now, I don’t dress or comport myself in a manner that suggests that I’m affluent in any way, so I certainly don’t blame him for his skepticism. (However, I will say that in the Bay Area, where any random dipshit in a hoodie might be a billionaire, judging affluence based on appearance isn’t a good idea.)

Ironically, I only opened the checking account because I thought it would help me get approved for the credit card, but now I use the checking account all the time and will definitely keep it open even after I close the card. Summing up the past year with the Crystal card, I’m still floored at how good of a value proposition it has been. The fee was waived the first year, so I got two Priority Pass memberships, a CLEAR membership, 12 Gogo passes, $1000 in United credit, Global Entry, and $1000 worth of points for a couple hours of my time. If they had kept everything as it was when I applied, I’d definitely pay the fee and keep the card indefinitely. I just don’t trust them not to cut off more benefits in the future, though, so into the shredder it goes.

Finally, the last thing that would convince me to keep the card is if they pulled an HSBC and added some – any – transfer partners. Since the card earns points like crazy, keeping it would be a no-brainer if I could leverage those points toward high-value redemptions. As it is, the best it’s possible to do it around 1.2 cents per point toward airfare, so the card doesn’t cut it on the earning side either. I mentioned this when I called to cancel, but the concept of transferring points to transfer partners was a totally foreign concept to them, so I didn’t push it.

Did you get a City National card? Did you try and fail? Is trying and failing a pattern for you?

 

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BREAKING: Amex TO GIVE PLATINUM CARDMEMBERS FREE IPHONES EVERY YEAR.

Jesus fucking christ, this thread. Go read it, or save yourself ten minutes and enjoy my summary:

  1. Let’s speculate about a possible new Amex card. (A fun pursuit and a decent way to whittle away the time.)
  2. “I hope Amex decides to give every cardmember a FREE IPHONE EVERY YEAR!”
  3. “BUT WHAT ABOUT ANDROID USERS???????”
  4. A CHART WITH AVERAGE INCOMES FOR ANDROID VS iOS USERS.
  5. Five hundred more fucking posts about phones as if this is something that would EVER FUCKING HAPPEN.

I’m really grateful that FlyerTalk exists, since there are a handful of posters who consistently provide useful information, but I don’t think the forum would suffer if moderators deleted 90% of the posts that pop up there. That probably includes mine, which is fine, since I’ll always have my beloved group of three or four blog readers.

hearts-in-heart