Archive for the Credit Cards Category

Free Hilton HHonors Gold status

Posted in Credit Cards, Deals, Hilton HHonors, Promotion with tags , , , on April 11, 2013 by getgowing

MilesQuest gives a step-by-step process for getting FREE Hilton HHonors Gold status.

I had a recent free hilton gold expire from a similar offer last year.  When I went to do this, I had to use a different browser when filling out the visa infinite offer page.  Not exactly sure when the status expires, but it definitely is at least good through 12/31/2013, possibly longer.
The main benefits of Hilton Gold are:
  • Free internet
  • Elite line access for less wait time
  • Upgraded rooms on availability (not to suites)
  • Lounge access if you are upgraded to an Executive Floor room
  • Free access to Fitness center/health clubs
  • Late checkout
Feel free to share.
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Gas money savings results, and free Delta ticket giveaway

Posted in Credit Cards, Deals with tags , , on September 8, 2012 by getgowing

In January I wrote about the possibility of saving up to 8% on gas for life. Here are the results from what I did:

  • I purchased $1,200 in BP gas cards.
  • Those gift cards in return got me 348.981 gallons.

Again, using those gas cards let me pay the cash price instead of the credit price. At every fill-up, the cash price was $0.10 less than the credit price. Had I filled up using a regular credit card paying credit prices, I would have spent $1,234.90. (I kept a spreadsheet of every fill up noting what the cash price, credit price, number of gallons, and total sale of fuel was.)

I saved $34.90 or 2.83%.

But at the time American Express was offering a 5% statement credit on all BP purchases, so I effectively only spent $1,140 (a 5% rebate of $1,200 is $60). That translates to a savings of $94.90.

I actually saved $94.90 or 7.68%.

These savings can be reproduced indefinitely if a few conditions are met:

  • You usually pay with a credit card (to earn miles/points of course) and there is a discount for paying cash
  • Using the company gas card is like paying with cash
  • Your credit card offers at least a 5% return for gas purchases

There are several cards that currently offer 5% cash back for gas purchases. Discover, Chase Freedom, and the PenFed Platinum. The Discover and Chase Freedom offer 5% only during the 1st and 3rd quarters of the year, and is capped at $1,500 for each of those quarters. $3,000 a year total for those two cards. The PenFed Platinum Gas cards have no limit, so if you purchase more than $3,000 a year in gas, you may want to consider that credit card.

On this particular deal, I did a little better than $94.90 in savings since I also earned 2,400 Membership Reward points.

Free Delta Ticket Giveaway

From my post yesterday, I have an unused companion certificate that is going to expire at the end of the month. Along with the free companion certificate, I am also including two “Have One on Us” certificates good for one alcoholic drink or non-perishable food item. For more information and how to claim this free companion ticket, read my post “Free airline ticket giveaway!

Save as much as 8% on gas for life

Posted in American Express, Credit Cards, Deals, Promotion with tags , , , , , on January 28, 2012 by getgowing
 
Let me preface this post by saying,I LOVE AMERICAN EXPRESS!

My relationship with Amex has brought me tons of benefits, and this one is just more icing on the cake.  Through 1/31/2012, American Express is offering 5% reimbursement on all purchases from BP (and also assuming Arco, though I personally haven’t tested it).  Only 3 days left, get in on it soon; register your Amex card here.

Now to lock in this savings for as long as you can afford to, up front, go to a BP gas station and ask to buy prepaid gas cards.  If you try to buy the gift cards online, you may not get the 5% reimbursed as it seems BP’s gift card purchases online are handled by a third party, and your purchase may not show up on your statement as a BP purchase.  The great part about these BP gift cards is that if you live in an area where they charge a different gas price for cash purchases and credit card purchases, these gift cards allow you to pay the cash price.  If you always purchase gas with a credit card (as I do, gotta rack up them points & miles), then this is a way to save up to 8% on your gas purchases, AND get the points for them too.

Double MR points if you are buying them with the Amex Premier Rewards Gold card.  If you don’t have one and want to get one, leave a comment below with an email to contact you (or email me at getgowing@gmail.com and I can give you a referral link that is better than the current public offer.  It is first $175 annual fee waived, and 25k MR points after only $2,000 spend in 3 months.

If you’re in a full service state, make sure your attendant charges you the cash price before they start pumping.  So if you’re willing to invest and pay in advance your gas for the rest of the month, year, or many years, this is a way to keep your gas prices a little lower.

For the math proof continue reading.  Otherwise, feel free to tell your friends about this post and save them money too!

Last week, a local BP station was charging $3.15 for cash, $3.25 for credit.  If I buy $1000 in gift cards, I will get a statement credit of $50 reimbursed from Amex.

$1,000 in gas at $3.259/gallon = 307.692 gallons

$1,000 in gas at $3.159/gallon = 317.460 gallons

But since I effectively only paid $950 for the 317.460 gallons, I paid $2.992/gallon.

($950/317.460 gallons = $2.992/gallon)

Since I usually pay the credit price, I just saved 26.7¢ per gallon.

($3.259 – $2.992 = $0.0267)

Saving 26.7¢ is approximately saving 8.2% per gallon off of the regular price of $3.259 per gallon.  Of course gas prices fluctuate, so the savings will vary as well.  But its still a significant enough of a savings that I’m definitely going in as much as I can to maximize this deal.

Recap of benefits from Amex Platinum

Posted in American Express, Credit Cards with tags , , , , , , , , on January 28, 2012 by getgowing

In my first few posts of this blog I wrote about my first major credit card churn, the American Express Platinum Charge Card:

  1. American Express Platinum Charge Card
  2. American Express Platinum benefits 
  3. American Express Platinum benefits part 2
  4. American Express Platinum benefits update
  5. 300 Membership Reward points for Delta Skyclub visits
  6. 5,000 Membership rewards points for Extended Payment option signup
  7. 50,000 Membership rewards points for making a phone call

Again, this card carries a hefty annual fee.  $450 / year.  But even the average non-travel hacker cardholder should be able to reap more than $450 of value from its benefits.  Here’s what I got out of it in the first 10 months of having it:

  • 76,500 Delta Skymiles (cost =  51,000 Amex Membership Rewards points)
  • 25,000 Delta Medallion Qualifying Miles (cost = 0.  Stacked a promo from the 51k MR points transfer)
  • 50,000 Delta Skymiles (from a promo to requalify for Platinum Medallion)
  • 50,000 MR points (signup bonus after $1000 spend in 3 months)
  • 5,000 MR points (for a free signup for Extended Payment option signup)
  • 10,000 MR points (for downloading American Express inSite browser toolbar, see ThePointsGuy post here)
  • 50,000 MR points (for 3 easy phone calls to ask for a bigger bonus match)
  • 8,100 MR points (for visiting Delta Skyclubs)

Thank You Gold promotion

MR Get Away & Get More Skymiles promotion

This brings me to a net grand total of:

  1. 126,500 Delta Skymiles

  2. 25,000 Delta Medallion Qualifying Miles

  3. 73,100 Membership Rewards points

Now those points & miles alone are definitely worth the cost of the $450 annual fee, an inquiry on my credit report, and temporarily lowering my credit score a couple points.  Assuming there is another 50% transfer bonus from American Express and I make use of it, this card could possibly net me 236,000 Delta Skymiles!  That’s 4,000 miles away from TWO business class tickets to anywhere in Asia!  At a very minimum, those two tickets could be worth $8,000.

BUT WAIT, THERE’S MORE!

One of the card’s benefits, the $200 airline fee reimbursement.  The Platinum card gives you up to $200 reimbursed in fees such as checked bags fees, change/cancellation fees, on-board purchases, etc.  But they can’t be used for the purchase of tickets.  While it’s not a published qualifying transaction, I have had success getting award ticket taxes/fees getting reimbursed.  AND as a Platinum Medallion, you don’t get charged a fee to return award tickets.  You guys are smart, I’m sure you can put two and two together…….

You need to select one airline, and you’re locked in to that airline for the calendar year.  The other good thing is that the $200 runs by calendar year, not anniversary year date.  SO, if I were to get rid of my card before my next annual fee is up in March (but I have no intention of doing so), I would have been able to harvest $400 in reimbursement, bringing down the card’s cost to $50!

The last major benefit I love is the free Global Entry.  This has definitely saved me loads of time instead of waiting in line at Immigrations and Customs.  Now I just bypass the lines and go from the plane to curbside in less than 10 minutes.  I only returned back into the US 3 times in 2011, so it hasn’t saved me that much time.  But for people who travel internationally at least once a month, this can be a real lifesaver.

I know that to replicate these results, certain planets need to be aligned at the right time, but for the most part, great value can be still be achieved for almost no cost.

Stay tuned to read about how to save upwards of 8% on gas, possibly forever!

COMPLIMENTARY Hilton HHonors Gold Elite Status until May 2013 !

Posted in Credit Cards, Deals, Hilton HHonors, Hotel, Promotion with tags , , , , , on December 24, 2011 by getgowing

Merry Christmas Eve!

Hilton is running a promotion right now for Visa Infinite cardholders to give them FREE Hilton HHonors Gold Elite Status until May 2013 through this link.

Sign-up landing page

(If you are not a Hilton HHonors member you can sign up here.)  It only requires for verification the first 6 digits of your card number.  Now, if you can’t find your Visa Infinite card, a prudent 10100 search can yield you your first 6 digits.  I have heard of people having difficulty signing up; try using a different browser or clearing your cache/cookies.

Normally, to attain Gold status, it requires either:

  • 16 stays, or
  • 36 nights, or
  • 60,000 Base points earned

There was a previous offer for Visa Signature cardholders earlier in the year which I wrote about here.

The main benefits of Hilton HHonors Gold Elite are:

  • Complimentary High-Speed Internet Access
  • 25% bonus on all HHonors Base points credited
  • If staying at a Hilton, Conrad Hotels & Resorts, or Doubletree: room upgrade (space-available) to an Executive Floor room, which includes lounge access! (Lounges typically have beverages/cocktails, hors d’oeurves, and a business center, but varies by property. If you are not upgraded to an Executive Floor room, then complimentary Continental breakfast is given in lieu of lounge access.)  You also get 1,000 bonus points when staying at these properties in addition to your 25% bonus on Base Points.

There are other benefits that are property specific.  You can see the full details of Hilton Gold on this page.

Get in on this ASAP, before this offer goes away.

2-for-1 movie tickets on Fandango!

Posted in British Airways Chase Visa, Credit Cards, Deals, Promotion, Visa Signature, Websites with tags , , , on June 10, 2011 by getgowing

After writing about the free Hilton HHonors Gold Elite status with a Visa Signature, I remembered about another benefit available to Visa Signature cardholders.  Again, if you got in on the British Airways Chase Visa card that offered 100,000 miles I blogged about before, that card is eligible for this promotion.

Fandango offers two-for the price of-one movie tickets (up to $19 including the Fandango convenience fee) for Visa Signature cardholders, every Friday from now until July 29, 2011.  Only caveat is that the tickets have to be purchased on Fridays only, and can only be for a movie that evening.  But you can continue to get 2-for-1 every week, you’re not limited to just once.  Check it out at www.fandango.com/visasignature!  (HERE are the official Terms & Conditions)

On a Friday night with your significant other, perhaps have a nice dinner, watch a movie, then check in to a Hilton, score an upgrade to a sweet room, and have an awesome date night.  (Gentlemen, have the romantic evening continue on in the morning for her.  Go to the lounge, get some breakfast, and serve it to her in bed.)

Visa Signature cardholders can get FREE Hilton HHonors Gold Elite membership!!!

Posted in British Airways Chase Visa, Credit Cards, Deals, Hilton HHonors, Hotel, Promotion with tags , , , , on June 10, 2011 by getgowing

First, you need to have a Hilton HHonors account.  If you do not have one, sign up free HERE.  Also you need a Visa Signature card.  If you got in on the British Airways Chase Visa card that offered 100,000 miles I blogged about before, that card is eligible for this promotion.

Here are the important excerpts from the terms and conditions for this promotion.  I will bold the important parts.

Can anyone participate in this promotion?

To participate, you must be an HHonors member, have a U.S.-issued Visa Signature card, and register for the promotion at www.hhonors.com/visasignature.

What is the Instant Gold Membership offer?

U.S.-issued Visa Signature cardholders can earn instant Hilton HHonors™ Gold membership by registering for the promotion atwww.hhonors.com/visasignature. After registering, HHonors members will receive Gold benefits for all stays through August 31, 2011.  If, after registering, the HHonors member completes three stays by August 31, 2011, using their Visa Signature card, then they will retain their Gold membership through March 31, 2013.

What are the Terms and conditions?

Hilton HHonors Member must register by August 31, 2011 with their valid U.S.-issued Visa Signature card at www.hhonors.com/visasignature. Hilton HHonors Members with Blue or Silver status or Gold members not currently participating in another fast track offer will receive HHonors Gold Elite status at the time of registration valid through August 31, 2011. By completing three qualifying stays at any participating hotel and resort in the Hilton Worldwide portfolio by August 31, 2011, Member will retain HHonors Gold Elite status through March 31, 2013.  Thereafter, standard requirements must be met to maintain HHonors Gold Elite status.  If Member does not complete three qualifying stays prior to August 31, 2011, Member will return to their former HHonors tier status after August 31, 2011, and standard tier requirements again apply.  Offer available only to valid U.S.-issued Visa Signature cardholders and is not transferable. Full details of HHonors Gold Elite Membership will be mailed to Member after completing three qualified stays prior to August 31, 2011, or click here.  HHonors Gold Elite benefits are subject to availability and may vary at each hotel.  This offer may be terminated without notice. Hilton HHonors™ membership, earning of Points & Miles™, and redemption of Points are subject to HHonors Terms and Conditions. ©2011 Hilton Worldwide.

When does the promotion end?

August 31, 2011

Basically, its free Gold status until August 31, 2011.  If you stay three times and pay with your Visa Signature card by August 31, you get to keep Gold status through March 31, 2013!  (It may be worthwhile to make up reasons to stay in a Hilton property to keep the status for 19 more months.)  Here are the main benefits of Hilton HHonors Gold Elite status:

  • Complimentary High-Speed Internet Access
  • 25% bonus on all HHonors Base points credited
  • If staying at a Hilton, Conrad Hotels & Resorts, or Doubletree, a space-available room upgrade to an Executive Floor room, which includes lounge access and free hot breakfast in the lounge! (If you are not upgraded to an Executive Floor room, then complimentary Continental breakfast is given in lieu of lounge access)  You also get 1,000 bonus points when staying at these properties in addition to your 25% bonus on Base Points.

There are other benefits that are property specific.  You can see what they are on This Page.

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