Calling All Richmonders to Join an exciting meetup group

I am excited to announce the launch of a new meetup group in RVA – Richmond Miles and Points . I have launched this group in collaboration with Brad Barrett from

This is a group for anyone in the Richmond area who’s into airline miles, points, deals, and travel hacks. We will use this group to organize both recurring and spontaneous meetups. We plan to host meetup event every few weeks to bring together fellow RVA’s miles and points junkies discussing airline hacks, manufactured spending, airline devaluations (may be not) and much much more. The membership is FREE and limited to first 50 folks who sign up on the meet-up group.

Richmond Miles and Points

Richmond, VA
3 Members

This is a group for anyone in the Richmond area who’s into airline miles, points, deals, and travel hacks. Let’s use this group to organize both recurring and spontaneous meet…

Check out this Meetup Group →

Looking forward to exciting times ahead.

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Amex Offers – Dunkin Donuts,,

Logged into my Amex account and saw some good offer –

  • Dunkin Donuts – $5 back on $10
  • – $5 back on $25
  • Orchard Hardware Supply – $10 back on$50
  • – $10 back on $50

There are many more offers. Login and see what you have on your card. Also, make sure you check for offers for any authorized users on your card.



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$100 Lowes Giftcard for $90 at Staples starting Nov 29th

I love shopping st Staples and especially using my Chase Ink Business card because it earns me 5X Ultimate Rewards points on all purchases at office stores. Ultimate Rewards are awesome and extremely valuable as you can transfer them to several travel partners such as United, Singapore Airlines, British Airways, Amtrak, Southwest, Virgin Atlantic, Korean Air and hotel programs such as Hyatt and IHG.

Starting tomorrow Staples will be selling $100 Lowes GC for $90 – a saving of 10% plus you will earn 450 UR points on purchases. You can further maximize your earning by using shopping portals, checkout best rates at I will probably use the UR portal as it will let me earn additional 2X at Staples making it a 7X return which is awesome with a $10 discount on each GC.


Screenshot 2015-11-28 at 9.35.11 PM

If you have home renovations or other expenses coming up at Lowes then it may be worth stocking up on these GC.

Earn a lot of UR points every year and do what I did – Transfer them to Hyatt and IHG to stay at Hotels around the worldwide for FREE!!


Our  “almost free” Oceanfront Suite at Holiday Inn Montego Bay Jamaica. Some of the points where earned using UR



Enjoying a fancy meal at one of the restaurants in Holiday Inn Montego Bay

BTW, if you are looking to apply for new credit cards all Chase cards that earn UR have increased sign up offer for a limited time –   Chase Sapphire Preferred (bonus 50,000 points), Chase INK PLUS Business Card (60,000 points)

I offer FREE Credit Card Consultation to help you plan your next trip. Feel free to contact me using the form below.

Categories: Chase, Staples, Ultimate Rewards Points | Tags: , , | Leave a comment

Your next Hilton Stay could earn you 1000 HHonors points with digital Check-in

I received an email this morning from Hilton. It says “Open Your door” with your phone and earn 1,000 Bonus Points. hilton digital key

1,000 HHonor Points are not much but I will take them anyways. All you have to do is download the Hilton HHonors app and Select Digital Key. It will let you choose your room and bam!!

I like this Digital key feature because I hate those plastic keys which easily get deactivated when in contact with an electronic device such as cell phone and then you have to make trips back and forth to the front desk for new keys.

If you have an Hilton stay coming up check your emails, you may have received this offer for an extra 1000 points.

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Simon Mall will stop selling In-store gift cards at several locations


Simon Mall sells gift cards are a great way to manufacture spend. We are able to purchase several thousand dollars of these gift cards at one time and liquidate them using prepaid cards such as Serve and Bluebird to earn miles and points.

I was at the Simon mall location in Glen Allen, VA this morning and my friendly rep handed me the below brochure –

Simon Mall

According to the note this particular Simon mall location will stop selling Gift cards starting March 1st 2016. It is still a few months away but may change the way a lot of us do manufactured spending.

I am not certain if this will be implemented nationwide at every Simon Mall location I guess we will have to wait and see. When I asked the rep reason behind it she was very vague and mentioned that  a new company is probably taking over the gift card division. I guess we will have a better picture here in the next few days.


Categories: Manufactured Spending, Simon Mall Gift Cards, Uncategorized | Tags: , , | Leave a comment

Free 25,000 Club Carlson Points using $40 Statement Credit promo with the US Bank Club Carlson CC – Targeted ? May be.


Received this offer in Email for my US Bank Club Carlson Visa Signature card – They are offering a $40 statement credit each month in November and December when I spend $2250 in net purchases.

cub carlson offer 1

club calrson offer 2

I did receive a promo code in email that may be unique that I was able to  enter by visiting the website here.

Is this a good offer?

I think so. Remember you earn 5X on all purchases using this credit card. So if I were to buy $2500 in gift cards by paying $20 fees (each Simon Mall gift card costs $4 in fees or you may by other from CVS, Walgreens for $5 fees) this is what I would earn –

Club Carlson Points – $2500 X 5 = 12,500 Club Carlson Points (You can repeat this for November and December to earn a total of 25,000 Club Carlson points)

Fees on Gift Cards – $20 (Five gift cards)

Statement Credit – $20

So basically the gift card fees would adjust towards the statement credit and you will earn 25,000 Club Carlson points for almost nothing (other than making trip for buying the gift cards) if you spend $2,250 each month (November and December)

For me the timing is perfect for this offer – I am short on spending ~$1500 of $10000 required annually on this card to earn the annual free night certificate, so once I complete the promo not only I would get the free night certificate but also another 25,000 Club Carlson points for almost free.

phoenix park inn goa

You can stay at Phoenix Park Inn Goa for 9000 Club Carlson Points

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$5 Statement credit using Android Pay

I received an email from US Bank “Receive a $5 statement credit” for making a purchase of $10 or more when you pay with Android Pay. Android pay is another addition to the pay by phone option similar to Apple Pay which Apple launched a few days back. It is as easy as tap, pay and done using your smartphone!!

Screenshot 2015-10-19 at 10.05.36 PM

You can sign-up for Android pay here – LINK

Benefits of Android pay –

  • Pay with a tap at store terminals or a click in apps.
  • Rest assured that your transactions are secure.
  • Keep track of your purchases with payment confirmations after purchase.
  • Instead of a card number being exposed, a virtual account number is created—helping keep your account secure
Categories: Other Deals, US Bank | Tags: , | Leave a comment

Fly Business Class One-way to Europe under $350 using this strategy


Staples recently started selling $300 visa gift cards online and this is great news for folks who have the Chase Ink Business Credit Card as it earns 5X on office supplies for the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. For a limited time Chase Ink Plus card is  offering 60,000 sign-up bonus after spending $5000 in three months which is almost $800 in Travel rewards (annual fee $95 not waived) if you use the Ultimate Rewards shopping portal. However, you can further maximize the bonus by transferring UR points to other partners such as United, Southwest and many more.

So now I will show you how you can use a simple manufactured spending strategy to reach Europe for under $350.

The Scoop

For every $300 visa gift card you purchase from staples you will pay a fees of $8.95 earning 1545 Ultimate Rewards points. These Visa gift cards are pin-enabled and can be loaded onto any prepaid cards such as Bluebird, Serve or Target Redcard. You may use the prepaid cards to pay other bills such as mortgage, utility bills etc or turn around and pay back the Chase Ink card you used to purchase the gift card from Staples at first place.

Screenshot 2015-10-11 at 3.46.27 PM

Now, remember United Airlines is transfer partner of Ultimate Rewards for transfer ratio of 1:1. Let’s price out an award ticket from North America To Paris for sometime next year. For reference I am using Dulles Airport, Washington DC (IAD) but you can try other airports.

Screenshot 2015-10-11 at 3.46.09 PM

One-way flights from IAD to Paris are available for 57,500 United Miles or Ultimate Reward points. If you are signing up for the Chase Ink Business Card then the sign-up bonus of 60,000 points  is enough to score one business class ticket to Paris from IAD on United Airlines, but who likes to travel alone!!! Lets see how we can use the Staples $300 Visa to our earn this business class ticket for cheap.

As each $300 visa gift card with $8.95 purchase fees will earn you 1545 UR points, you will need 38 gift cards to earn 58710 UR points while paying $340 in purchase fees. Now you can easily transfer the points to United and book the award tickets by just paying another $25 for award fees.

Would you like to see what is the retail price if you were to buy these tickets using straight cash? Hold your breath ladies and gentlemen!!!

Screenshot 2015-10-11 at 4.07.01 PM

Staggering $7000 + one way business class ticket to Europe can be bought for under $350

WOW!! $7991 for a one way ticket to Paris from IAD.

paris happy girl eiffel

You will be jumping after reaching Paris in Business class for $350


Using the Chase Ink Business credit card and a little bit of manufactured spending by purchasing the $300 Visa gift card from Staples you can score business class tickets to Europe for under $350. You can get creative using UR points and  transfer them to Singapore Airlines to fly the suite for pennies!!

Categories: Gift Cards, Manufactured Spending, Staples, Ultimate Rewards Points, United | Tags: , , , | 2 Comments

Fee Free Visa Prepaid Debit card at Kroger

Kroger as part of its digital savings coupon programs is offering waived fees (~$3) on the Visa Prepaid debit cards when you load anywhere between $10 to $500 cash on the card. Here are the fine prints from the offer – Kroger Visa

You can maximize this offer using a credit card such as the Blue Cash Everyday or the Blue Cash prefered that offer 3% and 6% back respectively on Grocery up to $6000 in purchases every year. This is also great for complete minimum spending on credit cards to receive the sign-up bonus.

You and your Spouse or other household members can each have their own accounts at Kroger to buy several prepaid debit cards but remember the limit is 1 per account. Also, make sure you add the offer to your Kroger account before making the purchase

Kroger Visa

Link to the digital Savings Program – LINK

Categories: Kroger, Prepaid Cards | Tags: , | 2 Comments

City National Crystal Visa Infinite Credit Card 100,000 Bonus Points – Best Credit card offer of the year?

The Crystal Visa Infinite Credit Card from City National Bank will give you 100,000 bonus points after spending $5,000 within the first 90 days, plus the $400 annual fee is waived for the first year.

The 100,000 bonus points can be used at a ratio of 1 cent per 1 point to book airline tickets, hotel stays, and more, so that’s the equivalent of a $1,000 bonus.

City National Bank Crystal Visa Infinite Credit Card

Crystal Visa Infinite Credit Card Application Process

In order to apply for this credit card, you must fill out the downloaded Application Form and email it to Michael Thomas – Senior Relationship Banker (, including the completed application as well as your income verification, such as your W2 or tax return.

This is a bit more of a hassle than simply completing an online application, and the requirements may be a little more strict than your average credit card application, since they are being reviewed personally.

This application is for use until November 23, 2015, and after November 23, 2015, you must use the Personal Credit Card Application form, but it will probably be too late to qualify for the bonus points.

That’s because you must allow at least 7 days for processing your application request.

If additional information is needed, the processing of your application may take longer and delay the opening of your account.

If your account is opened after November 30, 2015, your account will not qualify for the 100,000 bonus points offer.

If you are approved for the Crystal Visa Infinite Card, to qualify and receive the 100,000 bonus points, your account must be opened between October 1, 2015, and November 30, 2015, and you must make net new purchases totaling $5,000 or more, which are posted to your account during the first 90 days following the date of account opening.

After qualifying, you must allow 4 to 6 weeks for the bonus points to be credited to your City National Rewards account.

The Crystal Visa Infinite Credit Card is offered in City National Bank offices in the states of California, Georgia, Nevada, New York, and Tennessee, but it looks like this offer may be available nationally to anybody in the U.S. who submits an application as described above.

You can learn more about the card on this Credit Card Page and more about the rewards program on this Rewards Program Page for additional details.

I already applied for the card this afternoon and here is the reply from Michael –

Screenshot 2015-10-01 at 10.01.27 PM

Crystal Visa Infinite Credit Card Benefits

Airport Lounge Access

Through the Priority Pass Select program, up to 2 of the Crystal Visa Infinite Credit Cardholders and their accompanying guests have access to over 700 airport VIP lounges in more than 120 countries and 400 airports worldwide.

No Foreign Transaction Fees

Use your Crystal Visa Infinite Credit Card to travel the world and you won’t be charged any foreign transaction fees by us on your purchases.

Triple City National Rewards Points

Earn 3 Points per $1 spent on gasoline, airline, hotel, taxi, rental car, train, bus, restaurant, fast food, and takeout food dining purchases.

Earn 1 Point per $1 spent on all other purchases.

There’s no annual cap on Points and Points do not expire as long as your account is open and the Rewards program has not ended.

Use City National Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.

Airline Incidental Fees Statement Credit

Receive a statement credit of up to $250 per card per calendar year for Qualifying Airline Purchases.

Global Entry Application Fee Statement Credit

Apply for Global Entry, a U.S. Customs and Border Protection program, using your Crystal Visa Infinite Credit Card to pay your application fee and receive a $100 statement credit.

CLEAR Membership

Speed through select airport security lines at participating airports during designated hours when you enroll in CLEAR with a Crystal Visa Infinite Credit Card.

Crystal Card Concierge

A 24/7 concierge at your fingertips. Receive customized assistance with airline, hotel and restaurant reservations and virtually any personal or business requests. To learn more about Crystal Card Concierge services, Crystal Visa Infinite Credit Cardholders may contact us at 800-595-8950 (U.S. and Canada) or 00-800-2797-825-1 (outside the U.S. and Canada).

The Broadway League

Purchase House Seats or Premium Seats available through The Broadway League for theatre shows on “Broadway” in New York City and shows on tour across North America. In addition to purchasing tickets, extra benefits may include backstage tours and “meet and greets” with performers for ticket holders. All ticket purchases and additional benefits are subject to availability.

Crystal Experiences

Crystal Experiences offer exclusive once-in-a-lifetime experiences not usually available to the general public. Receive special invites from City National Bank to theatre, music, sports and more. A limited quantity of tickets will be available on a first come, first served basis.

Visa Infinite Luxury Hotel Collection

A selection of superior properties – including brands like Peninsula, Park Hyatt, and Shangri-La – comprise the Visa Infinite Luxury Hotel Collection. From boutique gems to world famous resorts, each hotel is evaluated annually to help ensure it continues to meet the highest standards. The Visa Infinite Luxury Hotel Collection delivers a premium collection of benefits, including a best available rate guarantee, complimentary continental breakfast daily, complimentary in-room Wi-Fi and VIP amenities when available, VIP Guest status, and much more.

Visa Infinite Hotel Privileges

Enjoy special benefits from leading hotels, like a VIP welcome and complimentary breakfast at select properties with Relais & Chȃteaux, a prestigious association of approximately 500 luxury properties worldwide.

Visa Infinite Discount Air Benefit

Save $100 on air travel when you use your Crystal Visa Infinite Credit Card to book a qualifying U.S. domestic round-trip coach airline itinerary for 2 to 5 travelers through the Visa Infinite Discount Air Benefit website.

Visa Infinite Car Rental Privileges

Enjoy privileges, such as special discounts and upgrades, when you use your Crystal Visa Infinite Credit Card to book with Avis, National and Silvercar.

Personal Identity Theft Protection15

Reimburses you for certain costs incurred in restoring your identity as a result of the theft or unauthorized or illegal use of your name or other personal identity information.

Card Alerts

Keep your Crystal Visa Infinite Credit Card safer with City National Card Alerts. Receive timely updates on your credit card activity through text messages to your mobile device or by email.

Chip Technology

Also called EMV technology, this chip adds an extra level of security to your in-person transactions made at chip-enabled terminals by using dynamic encryption technology, making it more difficult for your card information to be duplicated or copied.

Family Card Functionality

Establish and manage individual spending limits and monitor transaction activity for each authorized user issued under your account.

$400 Annual Fee – Waived First Year

The Crystal Visa Infinite Credit Card has a $400 annual fee.

However, there is no annual fee for the first year, as the annual fee is waived for the first year for new card members.

HT : Deltapoints

Categories: Credit cards | Tags: , | 5 Comments

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