The SPG cards are back! Starting August 21st, users will once again be able to apply and earn the lucrative signup bonuses offered by the newly merged SPG/Marriott union. The program provides tremendous value for churners and everyday users alike due to the flexibility in award; Both flights and hotels may be redeemed through SPG/MarriottContinue reading “Card Review: The Post Merger SPG American Express Cards (Personal / Business)”
Author Archives: Daniel Gan
SPG & Marriott: Major Devaluation to the Flight and Hotel Packages
Edited August 26: The new Marriott packages are showing a bonus of 110,000 Airline Miles instead of 100,000 as shown below! Take a look at the new packages here. Among all the talk about SPG’s merge with Marriott and their changes set for August 2018, many adjustments to the existing rewards system are in theContinue reading “SPG & Marriott: Major Devaluation to the Flight and Hotel Packages”
Facing the Downgrade: American Express Business Platinum Card
All good things must come to an end; This was the case for the American Express business Platinum card earlier in the year. At an annual fee of $399, this card had initially boasted a minimum spend bonus of 75,000 points after $5,000 spend in the first three months. On top of this bonus wasContinue reading “Facing the Downgrade: American Express Business Platinum Card”
Product Switching (and my experiences with RBC)
Good evening! This post is a summary of the recent experiences I’ve had with product switching several of my credit cards (RBC in particular). Product switching is the act of moving from one credit card to another through the same institution. Product switches are a valuable alternative when you want to take it easy onContinue reading “Product Switching (and my experiences with RBC)”
Churning Basics: Tackling the Myths of the Credit Card
Credit card churning is the proactive process of applying for new credit cards in order to meet different bonuses. In my journey to becoming a hardcore churner, many hours were spent on researching the best credit cards and methodologies in order to earn the most points. This process allows for working class people to accumulateContinue reading “Churning Basics: Tackling the Myths of the Credit Card”
Booking a $40,000 Flight: Japan Airlines & Cathay Pacific in First Class
The Japan Airlines First Class Experience Award flights can be a pain to comb through and redeem, but the rewards are well worth the hassle. After about 4 months of churning, I finally have enough points to redeem a Marriott hotel and miles package. After a quick call into Marriott’s travel center, I was ableContinue reading “Booking a $40,000 Flight: Japan Airlines & Cathay Pacific in First Class”
Transforming your College Tuition into a First Class Grad Trip
A Credit Card Churning Guide for College Students As a college student, you drop thousands of dollars per term on tuition without really batting an eye; It’s an expense that inevitably has to be paid. With this guide, you will be able to accumulate more than enough points for a graduation/summer trip simply by paying yourContinue reading “Transforming your College Tuition into a First Class Grad Trip”
What is Manufactured Spending?
As the term suggests, manufactured spending (MS) is a technique where spending is created artificially by circulating currency. It has been one of the most controversial but sure-fire way to amass credit card points. The Canadian Mint Manufactured Spending Opportunity was a great way to quick rack up thousands of points within a short periodContinue reading “What is Manufactured Spending?”
The Asia Travel Credit Card Collection
For those looking to fly to Asia in the next few months, this is the plan for you. **Note: Due to the recent changes in both the American Express SPG products, this method may not work until SPG releases its new offers in August 2018.** Here are the cards that you’ll need: American Express: Personal SPG CardContinue reading “The Asia Travel Credit Card Collection”
Card Review: MBNA Alaska Airlines World Elite MasterCard
Despite the lack of press this card gets from the general public, the MBNA Alaska World Elite MasterCard has one of the most valuable welcome bonuses that is offered to Canadians. Coupled with a 1 Alaska Mile per dollar earn rate, the card offers 25,000 Alaska Miles after a mere $1,000 spend in the firstContinue reading “Card Review: MBNA Alaska Airlines World Elite MasterCard”
Points Smart 