Apartment Communities

Apache is functioning normally

American Express has made the decision to close the spas in centurion lounges due to overcrowding and these will be replaced with additional seating. These spas were located in Dallas Fort Worth (DFW), Los Angeles (LAX), and Miami (MIA) and have already been closed as of 10/3/24. American Express has tried to put other measures in place to reduce lounge overcrowding, day passes were eliminated for non premium cardholders & guests were limited to two (previously immediate family members were also allowed), then guests were removed.

Hat tip to TPG

Source: doctorofcredit.com

Apache is functioning normally

The Offer

No direct link to offer, sent out via e-mail

  • Barclays Aviator has sent out some good offers:
    • Make 1 or more eligible purchases using your AAdvantage® Aviator® Mastercard® in October, November and December to earn 5,000 Loyalty Points
    • Make 1 or more eligible purchases using your AAdvantage® Aviator® Mastercard® in October, November and December to earn 5,000 miles

Our Verdict

Nice offers if targeted.

Source: doctorofcredit.com

Apache is functioning normally

The Offer


No direct link to offer, showing via referrals only currently. Find and share referrals in this linked offer.

  • Chase is offering a new sign up bonus on the Chase Sapphire Preferred:
    • Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening
    • Earn an additional 10,000 points (70,000 points) after an additional $2,000 in purchases in your first 3 months from account opening ($6,000 total spend)
    • Plus, get up to $300 in statement credits on Chase Travel purchases within your first year

Card Details

  • $95 annual fee, not waived
  • No foreign transaction fees
  • Primary car rental insurance
  • $50 Annual Hotel Credit. (This is per cardmember year, rather than calendar year. Must be booked through the Chase Travel Portal.)
  • Card earns at the following rates:
    • 5x on travel booked through the Chase Travel portal.
    • 3x on Dining/Streaming Services/online grocery (excludes: excluding Target, Walmart and
      wholesale clubs)
    • 2x on travel
    • 1x on all other purchases
    • 10% Anniversary point bonus. When you renew your card Chase will offer a 10% bonus spend. For example if you spend $25,000 you’d earn 2,500 bonus points.  This is award after the annual fee is paid. This doesn’t apply to the sign up bonus.
  • Transferable points
  • Redeem points on Chase’s travel portal at a value of 1.25¢ due to the 25% travel redemption bonus
  • Not eligible if you’ve received a sign up bonus on the Sapphire Preferred/Reserve in the last 48 months (standard is now 48 months)
  • Chase 5/24 rule applies to this card

Our Verdict

Reader Michael reports this in branch offer. An extra 10,000 points for an extra $2,000 in spend is a good deal for most people, although if you have P2 refer you you’ll be better off with the other offer. We will still add this to the best credit card bonus page and mention it in the other posts.


Source: doctorofcredit.com

Apache is functioning normally

The Offer

No direct link to offer, showing via referrals only currently. Find and share referrals in this linked offer.

  • Chase is offering a new sign up bonus on the Chase Sapphire Preferred:
    • Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening
    • Plus, get up to $300 in statement credits on Chase Travel purchases within your first year


Card Details

  • $95 annual fee, not waived
  • No foreign transaction fees
  • Primary car rental insurance
  • $50 Annual Hotel Credit. (This is per cardmember year, rather than calendar year. Must be booked through the Chase Travel Portal.)
  • Card earns at the following rates:
    • 5x on travel booked through the Chase Travel portal.
    • 3x on Dining/Streaming Services/online grocery (excludes: excluding Target, Walmart and
      wholesale clubs)
    • 2x on travel
    • 1x on all other purchases
    • 10% Anniversary point bonus. When you renew your card Chase will offer a 10% bonus spend. For example if you spend $25,000 you’d earn 2,500 bonus points.  This is award after the annual fee is paid. This doesn’t apply to the sign up bonus.
  • Transferable points
  • Redeem points on Chase’s travel portal at a value of 1.25¢ due to the 25% travel redemption bonus
  • Not eligible if you’ve received a sign up bonus on the Sapphire Preferred/Reserve in the last 48 months (standard is now 48 months)
  • Chase 5/24 rule applies to this card

Our Verdict

Previous recent best was 85,000 points but that required going in branch. That offer was better as you get more Chase UR points, but most recent online offer was 75,000 points. Nice bit of this offer is that it’s available via referral, so great for people referring P2 or a friend/family member. We will add this to our best credit card bonuses page. Do not share your referrals in the comments below, you can use this linked thread instead. Looks like you can get an additional 10,000 points in branch.


Source: doctorofcredit.com

Apache is functioning normally

Some Chase Sapphire Reserve cardholders have received an e-mail from Chase informing them that the timing of their travel credit will be changing. For example:

  • Like in years past your $300 annual travel credit will reset in
    December and you will start to receive statement credits for
    travel purchases.
  • On December 30, 2024, any unused portion of your $300 credit
    will be applied to your account as a statement credit.
  • Starting in 2025, your $300 travel credit will then reset annually on <card anniversary date> and you will start receiving statement credits up to $300 for your travel purchases.
  • All other rewards program terms continue to apply.

If you’ve applied since May 21, 2017 this will not affect you at all as you already receive the credit based on your cardmember year rather than calendar year. People who applied before that date had a grandfathered credit and will be in line with all other cardholders.

This change is only for grandfathered CSR members who get the travel credit based on the calendar year. Those who signed up since May 21, 2017, get the credit based on the cardmember year. For them, there are no changes at all.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Direct link to offer

  • Chase is offering a bonus of five free night certificates, good on category 1-4 properties when you spend $4,000 on purchases in the first three months of account opening on the Chase World of Hyatt card.


Card Basics

  • This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months 
  • Annual fee of $95
  • Card earns at the following rates:
    • 4x points per $1 spent on Hyatt hotels (they advertise this as 9x, but it’s 4x plus the 5x you normally get anyway)
    • 2x points per $1 spent on local transit and commuting (including taxis, mass transit, tolls and ride-share serivces)
    • 2x points per $1 spent on restaurants, cafes and coffee shops
    • 2x points per $1 spent on airline tickets purchased directly from the airlines
    • 2x points per $1 spent on fitness clubs and gym memberships
    • 1x points per $1 spent on all other purchases
  • Receive up to two free nights annually:
    • One free night at any category 1-4 Hyatt property every year after your card member anniversary
    • An additional free night at any category 1-4 Hyatt property if you spend $15,000 during your card member anniversary year
  • Status:
    • World of Hyatt Discoverist status for as long as the card is open
    • 5 qualifying night credits towards your next tier status every year
    • An additional 2 qualifying night credits towards your next tier every time you spend $5,000 on the card (no limit)

Our Verdict

Previous best offer was 65,000 points. If you redeemed all five nights on a category four property that would come out to 90,000 points so this bonus is significantly better but you obviously lose the ability to stay at properties category 5 or above. This offer also requires a lot less spend. I think this offer is worth doing if you have a 5/24 spot and will be added to the best credit card bonuses.

Hat tip to shris420


Source: doctorofcredit.com

Apache is functioning normally

Morgan Stanley is closing the Cash Plus accounts of some customers. It seems to be affecting customers that were paying the $55 monthly fee, rather than having $25,000 parked in the account. This was worth it to avoid paying the annual fee on the American Express Platinum Morgan Stanley card (discussed here).

There is some further discussion of this in this FT thread and also our thread here.

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Direct link to offer

  • Mastercard has a new transit benefit that runs from October 1, 2024, to December 31, 2025. Get $2.50 statement credit when you spend $10 or more each month at participating transit locations in:
    • Chicago, IL
    • Boston, MA
    • Miami, FL
    • Philadelphia, PA
    • Dallas, TX

Our Verdict

Full terms here. Useful offer if you live in one of those cities. Keep in mind this runs through the end of 2025, not 2024 as well so more than a year of use.

Hat tip to Ben C

Source: doctorofcredit.com

Apache is functioning normally

Here is the new list of the Pay Yourself Back categories on the Chase Sapphire Reserve card, valid through January 31, 2025:

  • Utilities 1.25 cents per point
  • Insurance 1.25 cents per point
  • Fitness Clubs and Gym Memberships 1.25 cents per point
  • Also available, as before: Gas Stations 1.25 cents per point
  • Also available, as before: Annual Fee 1.25 cents per point
  • (They’ve removed Wholesale Clubs and Pet Stores as options)
  • (I’m not seeing anything above 1% on the INK cards, other than the select charities with 25% bump.)

A lot of people won’t be happy given the removal of Wholesale Clubs. On the other hand, I think utilities and insurance are actually easy categories to use and find these more easily useful.

Chase Aeroplan PYB is 1.25 cents per point on Travel purchases through 12/31/24.

If anyone can verify the Chase Southwest PYB 1 cent per point toward cover the annual fee and .8 cents per points to cover Grocery or Gas (up to $300 in statement credits), please let us know. Same for the Chase United PYB for the Annual Fee (between 1.5 and 1.75 cents per point, depending on the card version),  please let us know.

Source: doctorofcredit.com