Miles and Points Valuations: Economics and Philosophy

Introduction Miles and points enthusiasts generally fall into one of two camps: luxury travelers and economy travelers. Because “value” is often tied to market price, the luxury travelers generally flaunt greater redemption values as they are able to spend a marginal number of additional points for a first class ticket or opulent hotel stay that has a substantially higher open-market…
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[Rumor] SPG & Marriott merger update: no more free breakfast for Gold member?

Well this was developing FAST! A couple of days ago we shared the news that the SPG website will go down on August 1st. Back then we were wondering why Marriott and SPG had not made any official announcement, particularly given how close we were to the purported deadline. Now, two pieces of new information just emerged and may shed…
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AmEx Platinum Card for Mercedes-Benz Review (Discontinued)

Platinum Card from American Express Exclusively for Mercedes-Benz Review 2019.1 Update: This card will be automatically converted to the regular AmEx Platinum card, see here for official FAQs. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 60,000 Membership Rewards (MR)…
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$3,587 Saved In 15 Months with Amex Offers

Introduction From decreasing the cost of everyday purchases like groceries and cell phone bills to Hacking the Cost of an Engagement Ring, Amex Offers provide one of the most lucrative opportunities in the credit card churning game. The opportunity is so lucrative that earnings can rival signup bonuses as the best return on credit card spend. This post summarizes how I…
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SURPRISE! Delta SkyMile Increases in Value Overnight!

No matter who your favorite airline is, one thing is for sure: Delta SkyMile kinda sucks. For years bloggers have been bashing Delta for (1) removing award chart, (2) inflating their redemption rate without notice, (3) charging a leg and an arm to redeem Delta’s long-haul business product, and most recently (4) putting restrictions on ticketing within 72 hours of departure….
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GiftCardWiki Review: One of the best gift card discounts search engines

There are many gift card resell websites, for example, the well known website: Raise.com. But which one is the best for your demand? I personally use Gift Card Wiki a lot. The website shows you all the choices you have. 1. Instruction For example: Starbucks gift card. We can see which website provides the best discount. You can use the filter to set…
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Old Chase IHG Credit Card Review (Discontinued)

Chase IHG Rewards Club Select Credit Card Review Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Please check the new Chase IHG co-branded card: Chase IHG Premier. Benefits 60k+5k offer: earn 60,000 IHG points after $1000 spending in 3 months, and earn 5,000 additional points…
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HSBC Gold Credit Card Review (Discontinued)

HSBC Gold Credit Card Review 2021.12 Update: HSBC now only keeps the Premier business in the US, and this card is now discontinued. Application Link HSBC Gold Benefits 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. No annual fee. Disadvantages No sign up bonus. No rewards. Balance transfer fee still exists: A Balance Transfer…
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HSBC Cash Rewards Credit Card Review (Discontinued)

HSBC Cash Rewards Credit Card Review 2021.12 Update: HSBC now only keeps the Premier business in the US, and this card is now discontinued. Application Link HSBC Cash Rewards Benefits Earn 1.5% cash back on all purchases. No annual fee. Disadvantages No welcome offer. Recommended Application Time We recommend you apply for this card after you have a credit history…
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A Beginner’s Guide to Hilton Honors

Introduction Hilton Worldwide Holdings, Inc. is one of the largest multinational hotel conglomerates in the world, comprised of 5,200 properties across 14 hotel brands. Brands owned by Hilton include Conrad Hotels & Resorts, Canopy, Curio, Hilton, DoubleTree, Embassy suites, Hilton Garden Inn, Hampton, Homewood Suites, Home2 Suites, Hilton Grand Vacations, Waldorf Astoria, Tru, and Tapestry. In 2017, Hilton’s guest loyalty…
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Sallie Mae (SM) Credit Card Review (Discontinued)

Sallie Mae (SM)

Sallie Mae Credit Card (SM) Review 2018.3 Update: This card will be automatically converted to Barclaycard Rewards Credit Card (Discontinued) (HT: DoC). This is also a useless card. No idea what Barclaycard is doing here. 2016.12 Update: This card will be automatically converted to a card called “Commence by SallieMae Mastercard”. It only offers 2% cashback on Grocery & Utility and 1%…
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Fly business class one-way to Europe for 25K miles or ~$500 (March 18th deadline)

Iberia has an award ticket sale going on, where you can fly one-way from NYC/Boston/Chicago to Madrid for just 25.5K Iberia Avios in business class. You can also fly Miami to Madrid for 31.9K Avios. Economy awards are also discounted 25%, and the deal is valid for October – December 15, 2018, excluding certain dates (detailed below). This is an…
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A Beginner’s Guide to the Marriott Rewards Program (2018 Update)

1. Brief Introduction to Marriott Hotel Group Established in 1957, Marriott Hotel’s headquarters lies in Washington D.C, with over 4,000 hotels and resorts across the world. After they acquired the Starwood Hotels Group in November 2015, this number increased to over 6,000 hotels in 122 countries all over the world. This is the hotel breakdown: Marriott hotels (the top half)…
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