Apartment Communities

Apache is functioning normally

The Offer

  • Capital One is offering a 20% transfer bonus to British Airways Avios. Normally the transfer rate for British Airways Avios is 1,000:1,000, with this transfer bonus it is 1,000:1,200

The Fine Print

  • Valid until 12/1/2024

Our Verdict

Not a bad deal, we usually see this once a year at around this time of year. Useful if you need Avios.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Check your Bank of America deals for the following offer:

  • Earn 5% cash back on all of your Cash Back purchases, until a $3.00 cash back maximum is reached. To qualify for 5% cash back offer, you must first activate the Cash Back tile. Then, make a purchase with an eligible Bank of America debit or credit card from any of the following eligible merchants: BP, ExxonMobil, Shell, Lowes Foods, QuikTrip.

The Fine Print

  • Offer expires 11/7/2024.
  • Offer valid for multiple use.
  • Offer stackable with other BankAmeriDeals cash back offers.
  • Maximum cash back amount is $3.
  • Your cash back will not post immediately and should be credited within 45 days of redemption. Payment must be made directly with the merchant. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account (e.g. buy now pay later). Payment must be made on or before offer expiration date.

Our Verdict

Just a $3 limit, nice little savings at these gas stations or Lowes Foods.

Hat tip to reader T

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Check your emails for the following offer on the Amazon Prime store card from Synchrony (subject: <your name>, don’t miss an extra $5 in rewards):

  • Make a purchase at Whole Foods Market with your Amazon Prime store card using an in-store code and get $5 in rewards. Valid 11/1/24 – 11/30/24.

The Fine Print

  • To qualify for this offer you must make a purchase at Whole Foods Market with your Prime Store Card using your in‑store code between 11/1/2024 and 11/30/2024.
  • For accounts that qualify, a $5 reward will be posted to your account’s reward balance within 1–2 billing cycles from the offer end date. Account must remain open, in good standing, and not be delinquent at the time the reward is issued. Only one $5 reward can be earned per account with this offer. Subject to credit approval. This offer is for the intended recipient of this communication only and is not transferable.

Our Verdict


I got this email and others did as well. My guess is that all Amazon Prime Synchrony store cardholders got the email, but I’m not certain.

It says, “when you make your first purchase”; I believe that means that the $5 reward only comes once on your first purchase (I believe it should work even for those who have shopped previously in the lives at Whole Foods).

Source: doctorofcredit.com

Apache is functioning normally

According to a rumor shared by YouTuber Stan The Credit Frog, the U.S. Bank Altitude Reserve card will be discontinued within the next week. It’s possible this will coincide with the launch of the U.S. Bank Smartly card.  Previously the U.S. Bank Altitude Reserve card stopped accepting applications for a few months before returning. I have no idea how reliable this rumor is at all.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Direct link to offer

  • Chase has a number of upgrade offers on different cards. None of the offers are particularly good. For example:
    • Marriott 5,000 points
    • IHG 20,000 points
    • United 20,000 miles

Our Verdict

None of these offers are particularly exciting or worth doing in my opinion.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

  • Citi has sent out targeted spending bonuses on the Citi Sears card:
    • 150,000 bonus points for spending $1,500 on ANY PURCHASES between Nov 1 and Dec 31

Our Verdict

Nice part of this promo is it can be stacked with any other Citi sears promos you might have as it’s on any purchases. These types of offers are why this card is listed as the #1 store card.

Source: doctorofcredit.com

Apache is functioning normally

Some people got an email from Fidelity, myself included, about new benefits on the Fidelity 2% card. I assume everyone will get this email as it goes it in batches:

  1. Receive up to 10,000 Reward Points every four years when you apply for either Global Entry® or TSA PreCheck®. That’s worth up to $100 when deposited into an eligible Fidelity® account, once every four years. Be sure to pay the application fee using your card to be eligible. Learn more about this benefit and review the terms at Fidelity.com/AirportBenefits
    • My thoughts: Cool benefit on a solid no-fee card. TSA Pre costs $78 for five years and would end up fully covered with this benefit. Global Entry costs $120 and would be mostly covered with this benefit.
    • There are many cards with this benefit, but not too many no-fee cards in that list. I did TSA PreCheck at the same time as my brother and I was able to cover the fee for him since I have multiple cards with the benefit.
  2. Auto Rental Collision Damage Waiver at no extra cost. Be sure to review complete benefit terms at Fidelity.com/AutoRentalCoverage.
    • My thoughts: I wasn’t aware that the card didn’t already have this benefit, but if it’s new that’s a nice addition. FYI – coverage is secondary behind your regular auto insurance (if you have that).
  3. No foreign transaction fees for international purchases.


Source: doctorofcredit.com

Apache is functioning normally

With the Alaskan Airlines acquisition of Hawaiian airlines there has been some uncertainty on what will happen to the Hawaiian Airline credit cards. VFTW got the opportunity to talk to Alaska’s Vice President of Loyalty, Alliances, and Sales Brett Catlin about the plan for these cards and it’s as follows:

  • They will keep the two separate card issuers (Barclays for Hawaiian and Bank of America for Alaska Airlines) until the two programs merge into a single loyalty program. This is intended to happen pretty quickly
  • Bank of America will purchase the back book from Barclays and those cardholders will transition over to the Bank of America Alaska card. There is “no immediacy for that to transition” and it will “happen over a period of time.”
  • Rumor of a Premium Alaska Airlines card in the future

Separately Bank of Hawaii also has a Hawaiian airlines card that is issued and managed by Barclays, this card is only available to residents of Hawaii. It’s unclear what will happen with that arrangement as Bank of America do not operate any branches in Hawaii.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Pepper app is offering the following deals:

  1. Get 12% back on Sam’s Club with no limit (these work the same as Walmart gift cards)
  2. Get 10% instant discount on Instacart, plus the regular 3% back; this deal is valid 10/27 – 10/30 and is limited to $200 in purchases ($20 discount)
  3. Get 15% back on Wayfair with no limit
  4. Get 15% back on Puma with no limit
  5. Get 20% back on Fanatics with no limit
  6. Get 20% back on Abercrombie with no limit
  7. Get 20% back on Bed Bath & Beyond with no limit

The standard Pepper points will be instantly available and the bonus Pepper points will be awarded on 11/10/24. You can see these deals in your messages tab or notifications tab; also, be sure that you should see the bonus reflected on the checkout screen. These deals end today and often sell out early.

The Pepper points system is confusing, so let’s give an example: Let’s say, for example, that Pepper is offering 10x on Amazon. If you buy $100 in Amazon gift cards, you’ll get 8,000 points instantly (4x) which is worth $4 toward your next purchase; that’s 4% back. In a few weeks, you’ll get an additional 12,000 points which is worth $6 and is the same as 6% back. Altogether, you’ll end up with 10x back will is the same as 10% back. It’s easier to just avoid thinking about the points totals and focus on the ‘x’ back since that is the same number as the % back you’ll be getting (1x = 1% back; 10x = 10% back).

You’ll see a tab in the app called ‘Points History’ which will clearly show which points have posted and which points are pending. (Update your app if you don’t see it.)


Our Verdict

Keep in mind that for most of these deals the bonus points won’t be available for a few weeks, and it’s not worth buying unless you can manage the risk of something going wrong with the bonus points posting a few weeks down the line. There have been times when people have had issues logging in; therefore, I’d recommend screenshotting and copying the gift card info immediately. I’d also recommend using up the Pepper points as soon as possible just in case something goes wrong with the company.

These deals stack well with the AmEx Offer for $15 off $50. Reports are that Amex Business Gold  to earn 4x if it’s one of your top two categories as part of the Computer Software category. And it counts as Computer Software category for BofA Customized Cash Rewards cards for 3%/5.25% and for 1.5x on the Business Platinum card. And reports are that it counts as Online Shopping for BofA cards and Blue Cash card and ShopYourWay card and the legacy Citi AT&T card.

Note: While there is no limit to most of these deals, you might be limited in overall quantities that can be purchased from Pepper in a day. So you might only get $2,000 or some other number until the app stops you. It’s sometimes possible to increase limits by calling in and verifying. And you might be able to buy again the next day as your limits reset.

My thanks if you enter my signup code 584255 during the initial signup process. Those who signup with a referral code get double Pepper points on all purchases for 15 days. (If you do a bonus offer during the referral period, some people report there being a stack of the two deals with double points on the base and single points on the bonus. Others report only the base gets doubled.) Please no referral sharing in the comments below.


Source: doctorofcredit.com