0:01

Hello and welcome to another episode of

0:03

All the Hacks, a show about upgrading your

0:06

life, money and travel. I'm your

0:08

host Chris Hutchins and today I have

0:10

a lot of news to share in

0:12

the points and miles world. Like a

0:14

new transferable points card, new transfer partner

0:16

we've never seen before, some changes to

0:18

award charts, good and bad, some

0:20

of the good Chase and Amex offers I

0:23

just found. But first, I want to talk

0:25

about today's main topic, which is taxes and

0:27

specifically how you might want to use your

0:29

credit card to pay your taxes and earn

0:31

some points. There's a lot of confusion

0:34

around this topic so I'll break it all down in

0:36

a minute right after this. I've

0:39

talked to lots of amazing people on this

0:41

podcast like Dan Pink for example, did you

0:44

check out that episode a few weeks ago

0:46

about persuasion? If not, you absolutely should. But

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if you're like me, sometimes you want to

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go deeper. So where do you go? Well

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for Dan Pink, you should check out his

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2:00

credit card paying taxes which

2:02

is something that I once thought

2:04

seemed absolutely crazy and now

2:06

it's actually become pretty interesting. So

2:09

before we even get started, let me talk a little

2:11

bit about how it works. You

2:13

can pay your taxes on a

2:15

credit card directly at three sites

2:17

that the IRS allows, probably more

2:20

but there are three sanctioned ones.

2:22

One of them is pay USA tax, one

2:25

is pay 1040 and one is ACI payment.

2:28

Now they each have their own fee ranging

2:31

from 1.82% at pay USA tax to 1.87 at pay 1040 to

2:37

1.98 at ACI payment

2:40

and pay USA tax and ACI

2:42

payment actually both also include letting

2:44

you use PayPal. For me,

2:46

I've only ever used pay USA tax because

2:49

I just want the cheapest fee and I'm

2:51

not doing this so often and

2:53

the reason I say so often is because there

2:55

are some limits with how many payments you can

2:57

make but I'll get back to that in a

2:59

little bit. Now why is this something that comes

3:01

up and is even worth making an episode around?

3:03

The primary reason is that usually

3:05

almost anywhere you'd go to make

3:07

a payment via credit card that

3:09

would otherwise be treated like cash is

3:12

going to cost you no less

3:14

than about 2.9% plus 30 cents. Usually

3:19

they don't charge the consumer that fixed fee

3:21

but that percentage is actually what I

3:23

pay to process credit cards if someone were

3:25

to join the All the Hacks membership or

3:27

put a deposit down on a trip and

3:29

I actually pay an extra half a percent

3:32

on top of that for anything that's recurring

3:34

and that's just what Stripe charges. So

3:36

to see a percentage fee under

3:38

2% is very abnormal for

3:41

a credit card. I'm not exactly sure how the economics

3:43

of all this work on the back end so we're

3:45

not going to go there but just

3:47

to be clear, it doesn't make sense to do this unless

3:49

you're able to earn enough points that makes the

3:52

fee worth it because there is a fee and

3:54

we'll get to the deductibility of that fee and everything else.

3:56

So let's talk about some of the reasons this may or

3:59

may not be worth it. not make sense to do.

4:01

The first reason is that you could

4:03

actually profit if you have a card that's going to pay

4:06

you 3%. Now, there's

4:08

a PayPal MasterCard that pays 3%, the

4:11

Discover It Miles card pays 3% the first

4:13

year. There is a deal for the Chase

4:15

Freedom Unlimited where you can get 3x points or 3% back

4:17

for the

4:19

first year. There might be other cards. So

4:21

if you have a 3% card and you're

4:23

paying the IRS $10,000, technically, you'd get back $300

4:28

and you'd have to pay a fee that's $182 and you'd make $118. Is

4:34

it worth it to make $118? Maybe

4:37

not. If you're able to earn some

4:39

points and miles that make a trip that you

4:41

would have otherwise had to pay a lot more

4:43

for possible, is it worth it? If you owe

4:45

the IRS $500,000 and you had

4:47

a limit high enough to do it, is

4:49

profiting at 3% worth it? Maybe.

4:53

It depends how much you owe the IRS,

4:55

how high your credit limit is. But

4:57

I will say a few things to

4:59

kind of keep in mind for all of

5:01

this is that the IRS, despite that

5:04

they will refund any overpayment you owe,

5:06

might take a long time doing that.

5:08

And given interest rates right now, keep

5:10

that in mind if you were thinking,

5:12

ooh, I'll overpay my tax payment by

5:14

$50,000 this year so I could earn

5:16

some points. First, one, make sure that

5:18

those points are going to be worth

5:20

the fee. But two, make

5:22

sure you count the fact that you're not going

5:24

to actually have that $50,000 as

5:27

an overpayment back from the

5:30

IRS very quickly. And so if you

5:32

were otherwise going to be earning interest

5:34

on that cash in a cash account,

5:37

then you might want to factor that in as well.

5:39

However, if you just owe the IRS that money and you're going

5:41

to have to get rid of it no matter what and

5:44

you have a card that would make it profitable

5:46

for you to pay that fee

5:48

and earn points, it could make sense. Now,

5:50

a couple things, card processing fees are not

5:52

tax deductible on your personal taxes, but they

5:55

are a tax deductible business expense. So if

5:57

you owe taxes for a business, then you

5:59

owe a tax. business, you can kind

6:01

of reduce the cost of that fee because

6:03

it is a deductible business expense. All

6:06

these three major payment processors treat tax

6:08

payments as purchases, not cash advances, so

6:10

you are going to earn your points

6:13

on those purchases. Each

6:15

of those processors will let

6:17

you make two payments, meaning

6:19

an extension payment or a

6:21

tax payment, but also technically

6:23

it's two per filer. If

6:26

you have a joint return, you and your

6:28

partner could each make them separately. From

6:31

what I've heard from experience, though technically

6:34

not allowed, it seems very common you

6:36

can make two payments per processor. You

6:39

could conceivably get away with making

6:41

half a dozen payments pretty easily

6:43

because you can do two per

6:45

period, per type, per taxpayer, per

6:48

processor. You could definitely

6:50

split this off across a few different cards.

6:52

Let's go back to the reasons why you might want to do this.

6:55

Yes, you could profit at 3%, but chances

6:57

are maybe that's not the best deal. One

7:00

where I think is a really, really

7:02

compelling case is meeting the minimum spend

7:04

of a card that has a really

7:06

big welcome bonus. Let's take the

7:08

Hilton Aspire card as an example here. Right now,

7:10

the Hilton Aspire has a 175,000 point signup bonus

7:12

when you spend $6,000. To

7:16

spend that $6,000 on an IRS tax payment, you're going to

7:18

pay $109.20 in fees, but you're going

7:24

to earn the 175,000 point signup bonus plus all the

7:26

points you earn spending the $6,000,

7:29

which will accrue 193,000 total Hilton points. Plus

7:34

that card gives you a $400 credit,

7:37

a free night, diamond status, $200 flight

7:39

credit, a clear credit. When

7:42

you add all of those things up and you look at

7:44

the $109.20 cost, you could see a world

7:49

where it's pretty, pretty compelling. Not even

7:51

factoring any of those other benefits, you're

7:54

going to get about 32 Hilton points Per

7:56

dollar if you factor in the

7:58

bonus you're earning. Thirteen. Based.

8:01

On the cost of those he's self. Really

8:03

really cool opportunity. that Hilton card by the

8:05

way, don't use the all the hacks link.

8:07

That link is only for one hundred fifty

8:10

thousand points on a bonus. just go to

8:12

Amex's website the bonuses higher there. And like

8:14

I always say, I want you guys to

8:16

get the largest boat as you can even

8:18

if that's not using are links. Now the

8:20

reason why does interceded because some people don't

8:23

have enough a regular spend the throughout the

8:25

year to hit some of these bonuses. That

8:27

so you have to start figuring out. Well

8:29

if I now all the. Sudden could put

8:31

the six seven eight thousand dollars. I

8:34

need to hit a welcome bonus on

8:36

a tax payments, pay a few hundred

8:38

dollars in fees and get points I

8:40

never would have had otherwise. Is that

8:42

a good deal? and I would say

8:45

it most likely would be some other

8:47

great deals on bonuses right now that

8:49

will cost you anywhere from about a

8:51

hundred to may be somewhere around five

8:53

hundred dollars in fees are the Mary

8:56

Boundless card which is currently at five

8:58

Nights at A Merry Odd for five

9:00

thousand dollars. And spend in three months. So.

9:03

That five thousand dollars and spend it costs

9:05

you a little as one hundred dollars and

9:07

you end up getting five free nights at

9:09

Marry. A property's worth up to fifty thousand

9:11

points tonight. So. Great bonus

9:13

right now that one is the same

9:15

no matter where you get it. So

9:17

if I don't mention anything otherwise, the

9:20

links at all acts.com/cards would be a

9:22

place to support the show and look

9:24

into these cards. Another. Car

9:26

that's not on our length is the

9:28

Amex Platinum. Hundred fifty thousand points sign

9:31

up. Bonus is currently a referral offer.

9:33

To. Be going to L The hacks.com/platinum

9:35

I'm in every direct the bat to

9:38

some referrals, but that one is to

9:40

spend eight thousand and six months. He.

9:42

Wanted to go over the Delta Platinum

9:44

which is something I'm actually looking at.

9:46

As I mentioned in the past, hundred

9:48

thousand other points for eight thousand dollars

9:50

of spend in six months. but you

9:52

also get a companion certificate fifteen percent

9:54

off a word flights and free checked

9:56

bags to other ones the vent her

9:58

ex business the. They have three hundred

10:01

thousand point. Welcome Bonus has come down

10:03

to a hundred fifty thousand point. Welcome

10:05

Bonus For spending thirty thousand dollars in

10:07

three months, That's going to be about

10:09

a six hundred dollar cost in terms

10:11

of what is the cost to put

10:13

that thirty thousand dollar spend on your

10:15

card. However, if that card is a

10:17

business card, you probably have a business

10:19

the of a business and that's tax

10:21

deductible depending on your state. Maybe it

10:23

only ends up costing you three hundred

10:25

dollars or something. And then if you

10:27

get one hundred fifty thousand points loss,

10:30

Another. Sixty thousand points From that welcome

10:32

bonus, you're looking at two hundred ten

10:34

thousand points for maybe a cost to

10:36

you about three hundred dollars and that

10:38

brings the cost per point down to way

10:40

under a cent per point to of

10:42

you're looking to accrue capital one points.

10:44

That could be a great option. And

10:46

in visit the have been around for

10:49

a long time but the chasing business

10:51

preferred is that one hundred thousand points

10:53

for a thousand dollars a spend in

10:55

three months till you're a few options

10:58

for cards that right now have welcome

11:00

bonuses that I would be excited to

11:02

earn using spend on taxes and I

11:05

think this fee to get that spend

11:07

is probably worth the benefit you'd get.

11:09

Another option is to just buy cheap

11:11

points. So. There are a ton

11:14

of cards out there that earnest to

11:16

x points. which means technically you could

11:18

say making a profit it depending on

11:20

how you value your points. but the

11:22

City Double Cast card earns two percent

11:24

bath or two x point. If you

11:26

also have the City Premier card, Amex

11:29

has a blue Business Plots that earns

11:31

to x points. Capital One has the

11:33

venture, The Venture acts, The Business Venture

11:35

acts the Spark Miles Spark class plus

11:37

all earning two x points. So any

11:39

of those cards are going to let

11:41

you get to. Apps points for less

11:44

than two cents per dollar in

11:46

terms of the sea and so

11:48

you're affectively getting points for under

11:50

one cent. Now. I've talked

11:52

a lot in the past about the value of

11:54

sense for point and what you been able to

11:56

get. I think I'm pretty consistently able to get

11:59

over two cents and. Many cases we've been

12:01

able to get as high as Three Four

12:03

Five Six. I think summer temperatures have even

12:05

been up to ten cents. So if you're

12:07

short of a redemption or you just don't

12:10

have a way to accumulate points as fast

12:12

as you need them, I could see at

12:14

making sense to use tax time to earn

12:16

points just by buying them. That.

12:18

Said if there's a fine A bonus. Years

12:21

ago, lot more bang for your buck by

12:23

doing that. On the T side, there isn't

12:25

really a great card because the only card

12:27

debt earns points on taxes at a higher

12:30

rate is the Freedom Unlimited which is gonna

12:32

get you one and a half cents per

12:34

point. That. Said some times.

12:36

the Chase Freedom Flex card

12:38

has a rotating category of

12:41

five acts, and sometimes that

12:43

category is pay pal. Yes,

12:45

The stars align throughout the year where

12:47

pay powers the five X category and

12:49

you can use one of these payment

12:51

processors that lousy these paypal. I could

12:54

see that been some pretty good arbitrage

12:56

at the only up to fifteen hundred

12:58

dollars of spend that quarter. The. Really?

13:00

only hundred seventy five hundred points. So

13:02

maybe it's not worth the time, but

13:04

that's something I'll point. Just.

13:07

The other day someone asked me what they

13:09

should start thinking about with a baby on

13:12

the way and boy did they opened pandora's

13:14

box with that question because I have so

13:16

many thoughts. But one of the first things

13:18

I said was that they probably need to

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14:25

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14:27

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billion of that was lost to imposter scams

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14:41

it? Well, first off just learning more about the

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tactics these scammers use can help you know what

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to look out for But

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a big way I try to keep our

14:49

family protected is to make sure all our

14:51

personal info is removed from as many data

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less of an enticing target You'd be

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shocked at how many sites out there

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email and more Fortunately, you

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can get these data brokers to remove

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your info But unfortunately the process takes

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Delete me now another way

15:58

to do this is to earn So

16:01

for example, there are a bunch of

16:03

cards that just by spending on the

16:05

card and earning points in their program

16:07

will let you earn various tiers of

16:10

status on their airlines or even hotels.

16:13

So for example, if you spend $50,000

16:15

on a JetBlue card, you'll earn

16:17

Mosaic status. Now that $50,000 to

16:19

spend is going to cost you $900 but you are going to get

16:21

50,000 JetBlue points

16:26

which JetBlue points are worth anywhere from 1.3 to

16:28

1.6 cents meaning you're probably going

16:32

to get somewhere between $650 to $800 of value. So

16:36

if you factor in the delta there, you're going

16:39

to spend about $260 for Mosaic status assuming

16:43

you can get that value of those

16:45

JetBlue points. I don't fly JetBlue that

16:47

often but I imagine if you otherwise

16:49

wouldn't have status with JetBlue, $260 for

16:52

Mosaic status would probably be a worthwhile

16:54

investment if you're flying regularly enough that

16:56

it makes sense but not regularly enough

16:58

to get that status. Also

17:00

depending on the way the card works, you might

17:03

just be able to use the card to close

17:05

the gap. So for example, with Southwest Companion Pass,

17:07

you need to get 135,000 Southwest Rapid Rewards points

17:11

to get Companion Pass but you can earn those

17:14

points on a credit card. So if you were

17:16

short of what you needed in a given year,

17:18

you can put your tax payment on your card

17:20

and earn points. Now is it the best deal

17:22

out there? Probably not. To put $135,000 on a

17:25

Southwest card, you're going to pay almost $2,500 in

17:27

fees to put that

17:33

payment on your card and not to mention unless

17:35

you have a much higher limit than I do,

17:37

you're probably going to have to make 4-5 payments

17:39

just to be able to put $135,000 on

17:42

your Southwest card. I have a pretty low limit

17:45

on my Southwest credit card. However, you're

17:47

probably going to earn one Southwest point

17:49

per dollar on everything else you do

17:52

and so you'll at least earn 135,000 Southwest points

17:54

which are worth about 1.4 cents.

17:58

So that's another $18,000. Maybe

18:02

if you factor this in, you say, put all of these

18:04

expenses on Southwest, yes, it's going to cost you $2,500 but

18:06

you might earn $1,900 of Southwest points, so it costs you

18:12

$600 but for those $600, you can have a

18:14

companion fly with you for the year you earn

18:17

it and the following year. Now

18:19

that I'm saying this out loud, it seems a little

18:21

bit more reasonable. That said, I

18:23

think there are probably opportunities with signup bonuses

18:25

to get this a lot faster. I know

18:27

a few months ago, Southwest was having a

18:30

promo where if you just signed up for

18:32

a card, the signup bonus was companion pass

18:34

for the rest of the year and oftentimes

18:36

they have signup bonuses where the card will

18:38

earn you anywhere from I think as high

18:40

as 100,000 points

18:43

in the past depending on the card. I

18:45

might be wrong here so don't quote me

18:47

but at least right now, the highest

18:49

signup bonus on a Southwest card is about 50,000 points.

18:53

If you did open up a Southwest card, got 50,000

18:56

points free, you'd only be about

18:58

85,000 points

19:00

away from getting to the threshold you need

19:02

which is a little less expensive than putting

19:05

135 on your card. Hyatt,

19:08

IHG, Delta, American all have

19:10

the ability to earn status

19:12

through cards. Some of

19:14

them can get incredibly expensive but if you

19:16

don't have another way to close the gap

19:18

and you really value the status and you

19:20

also really value the points you'll earn on

19:22

the spend, it could make sense. I

19:24

know for me, I'm using rent day on

19:27

my built card to try to make a

19:29

payment for taxes so I can get to

19:31

that next level of built status and

19:34

it's not because the status comes

19:36

with anything particularly great each month,

19:38

it's because historically, built has been

19:41

doing these transfer bonuses where I

19:43

just transferred 100,000 built

19:45

points to Aeroplan, Air Canada's program because

19:47

the transfer bonus was 2 to 1.

19:50

So I only had to transfer 50,000 built points and I got

19:52

100,000 Air Canada points. Had

19:55

I been built platinum when I did that, I would have gotten

19:58

125,000 Air Canada. at

20:00

a point instead of 100,000. So I would

20:02

have much preferred to have built platinum status

20:04

then. So I might use rent day

20:06

where I earned 2x points on the built

20:09

card to make a couple tax payments to

20:11

try to accelerate my path towards built platinum.

20:14

So I hope that's helpful thinking

20:16

through taxes and credit cards. Again,

20:18

I think signup bonuses are probably

20:20

your best opportunity. Closing the

20:23

gap if you need a chance to buy a few

20:25

points to have enough points to make a

20:27

redemption you have in mind could make sense. While

20:30

yes, you could profit with a 2% or 3% card, I wonder if

20:32

you're going to be able to

20:34

make a tax payment big enough that that moves

20:36

the needle for you. But by all means, if

20:39

it does, certainly an opportunity. If there's anything I

20:41

missed in this or you have any follow-up questions,

20:43

definitely email me podcastatallthehacks.com. All the links

20:45

to the cards that I mentioned are

20:47

at allthehacks.com/cards unless I mention another URL.

20:50

I'll put them all in the show

20:52

notes. Want to make sure you always

20:54

get the best deals possible. Okay,

20:56

so it's the night before this episode actually is

20:59

going out to you all. And I just saw

21:01

some news that I thought would be worth splicing

21:03

into this episode before the morning. And

21:06

that is Robin Hood's announcement of their new

21:08

credit card. Now for some history, Robin Hood

21:10

acquired a credit card startup last year called

21:12

X1, which had a

21:14

card I reviewed. And

21:16

while it wasn't very impressive, it

21:18

appears they are now ready to launch their

21:20

own product. And let's just say I actually

21:23

am impressed this time. And that's because they're

21:25

launching a 3% cashback

21:27

on everything card with no

21:29

limit. Now earlier when I was

21:31

talking about 3% cards for taxes, I

21:34

mentioned the PayPal card that earns 3%

21:36

on PayPal, a Discover and Chase card

21:38

that earns 3%, but only in your

21:40

first year. Well, this card is

21:42

3% uncapped forever.

21:45

And the only catch is that you need to

21:47

have Robin Hood gold, which costs $50 a year.

21:50

So you could effectively view it as a $50 annual fee card. Now

21:54

normally I'd have really big pause with anything

21:56

Robin Hood is announcing that hasn't launched yet.

22:00

in 2018 they announced a 3% interest

22:02

checking account only to walk back that

22:04

announcement a few days later. This

22:07

time however it looks like they are a

22:09

lot further in the process and they even

22:11

have all their rates and fees and terms

22:13

and conditions up on the site to review

22:15

already which of course I did and

22:17

so I actually think this is going to happen and

22:20

it will certainly be a big shock to the

22:22

industry. As of today the

22:24

best cashback card that I'm aware of with

22:26

no limits is the Bank of

22:29

America Premium Rewards card and that earns 2.625%

22:31

but only if you have $100,000 in Bank of

22:35

America or Merrill Lynch and that's it.

22:37

Mostly everything after that with no cap

22:39

is on a 2% card. Now

22:43

there are a few small details but I

22:45

don't think they're deal breakers. The card technically

22:47

earns 3 points per dollar but those points

22:50

are worth 1 cent each if you either

22:52

deposit them as cash to your Robinhood account

22:54

which you could just withdraw from, redeem them

22:56

in their travel portal or use them to

22:58

buy gift cards. The card

23:01

also earns 5x points on travel in

23:03

the Robinhood travel portal but other cards

23:05

do something like that as well so

23:07

that's not very exciting. But

23:09

it does have no foreign transaction fees which

23:11

is nice. Now given the $50 fee it's

23:13

a better deal than no annual fee 2% cashback

23:16

cards like the City Double Cash as long as you're

23:18

spending more than $5,000 a year but you actually get

23:20

other things

23:23

for that $50 a year fee with Robinhood

23:25

Gold. First your uninvested

23:27

cash at Robinhood earns 5% instead of 1.5% which

23:29

is a really big bump but

23:33

it also happens to be the same amount I

23:36

already earned in my Wealthfront Cash account. However

23:39

you also get a 1% deposit

23:41

boost on all your deposits paid

23:43

out over 24 months which

23:46

is kind of like they're giving you an

23:48

extra half a percent in interest each year

23:50

though you only get it on deposits so

23:52

it doesn't continue to compound with your balances

23:54

so it's technically a little less. But

23:57

it means if you deposit $100,000 into Robinhood they'll

24:00

give you an extra $1,000 over the next two years. That

24:03

makes the interest rate really competitive. Though again,

24:06

if you refer a friend to Wealthfront every

24:08

three months, right now at least, they're boosting

24:10

your interest rate by a half a percent

24:12

also. But I think a

24:14

little bit more importantly, I'm not that excited to

24:16

start using a new bank that isn't easy to

24:18

use and that I have played around with and

24:20

been able to validate that its features are great.

24:23

And so I don't actually know if this

24:25

Robinhood account could replace your checking account like

24:27

my Wealthfront Cash account has, but I'm actually

24:30

gonna do an entire episode this year comparing

24:32

all the best bank accounts and their features.

24:34

So I'm gonna at least add it to that list. Finally,

24:38

the last feature I'll call out on Robinhood Gold is that

24:40

you also get a 3% match

24:42

on all IRA contributions, IRA

24:44

transfers and old 401k

24:46

rollovers. So for example, if you

24:49

max out your IRA each year at $7,000, you'll get

24:51

a free $210 matched into your account. And

24:55

if you transferred $100,000 from another IRA or

24:59

an old 401k into Robinhood, you'd get $3,000. But

25:03

you need to keep that money in Robinhood

25:05

for five years. Now that might

25:07

not actually be an issue since it's a retirement account,

25:10

but it is worth keeping in mind. And if you

25:12

look at that 3% over five years, roughly

25:16

an extra 0.6%. So

25:18

not crazy, but also if you figure

25:20

the average account might earn, let's call

25:22

it 7%, earning an extra 0.6 is

25:26

like, I don't know, rough math, 8% or 9% extra return.

25:30

So that's not terrible. So

25:33

what's the takeaway about all of this? Well,

25:36

it definitely makes paying your taxes on a

25:38

credit card profitable, but I think the bigger

25:40

takeaway is that if you're on team cashback

25:43

and you don't wanna play the points game,

25:45

this is the new best card in town.

25:48

As long as you don't mind having to rely on

25:50

Robinhood to do everything. And by

25:52

the way, one of the ways Robinhood is keeping more

25:54

of the economics on this card and

25:56

maybe effectively making a 3% card possible is

25:59

that at least- least to my understanding, they

26:01

are taking on all the underwriting

26:03

risk. So for example, when

26:05

the Apple card launched with Goldman Sachs, Goldman

26:08

Sachs was taking on that risk. And

26:10

if a customer defaulted, that was on Goldman Sachs,

26:12

not on Apple. And in this case, my understanding

26:14

is that it's on Robinhood. Now

26:17

I don't know what that means for you,

26:19

but one potential implication is that they might

26:21

be more conservative with the limits you're getting.

26:24

It's possible that given their demographic excuse a bit

26:26

younger, maybe you won't be able to get a

26:28

huge limit on your Robinhood card and it might

26:31

not actually be as great as we think. I

26:34

don't know. Also, there's no signup bonus. So

26:36

that's an important factor here. If you compare

26:39

this to the Capital One Venture card, which

26:41

gets two X points everywhere, makes it pretty

26:43

easy to get one percent back per point

26:45

for a $95 annual fee. Then

26:49

if you take those two cards and over the course of a

26:51

year, you each put $50,000 on

26:53

them, then on the Robinhood card, you'd earn back

26:56

$1,450 after the $50 annual fee. And

27:00

the Capital One card, you'd only earn $905 after the $95 annual fee.

27:05

So yeah, you're earning about $545 more on the Robinhood

27:08

card. However,

27:11

that Venture card is also going to

27:13

come with 75,000 bonus points worth about

27:17

So you're actually going to come out

27:20

about $200 ahead, at least

27:22

for your first year, if you're

27:24

using a card that earns two X points

27:26

or two percent back and has a big

27:28

welcome bonus. Now, the bigger issue

27:30

to all of this, and this doesn't work if

27:32

you only care about cash back, but if you're

27:34

listening to all the hacks, you're probably able to

27:37

get at least one and a half if not

27:39

two cents per point or more in value.

27:42

So a two X points card like the

27:44

Venture or the Venture X is probably already

27:47

effectively a three to four percent cash back

27:49

card for you anyways, which is why I'm

27:51

not actually excited about this card for myself.

27:54

That said, I'm definitely going to incorporate

27:57

the card into my case for cash

27:59

back. episode that I'm going to make, and

28:01

I'm going to record that soon, and I'm also going

28:04

to put some thoughts into this IRA transfer and some

28:06

of the other things going into all of this. However,

28:09

if this is interesting, go

28:12

ahead and use my referral link. I'm

28:14

going to set it up at allthehacks.com/Robinhood.

28:17

I don't get points or commissions, but

28:19

according to the landing page, if 10 people

28:21

sign up for a Robinhood card, I will

28:23

get a card made of solid gold, which

28:25

weighs 36 grams, and according

28:28

to chat. GPT should be worth well

28:31

over $2,000, which I don't totally

28:33

believe, but at a minimum, if enough people

28:35

sign up and I do get this gold

28:37

card, I'm going to get it appraised. I'm

28:39

going to report back on what the actual

28:41

value is, and honestly, I might try to

28:43

melt it down, and you know what? If

28:46

I do that, I will give the value

28:48

of my melted Robinhood card to charity. Okay,

28:50

so that's it for the Robinhood announcement. Let's

28:52

get back to the rest of this episode.

28:55

On the topic of points and miles, there is a lot

28:57

that's been going on that I want to cover. First,

29:00

BILT has made two announcements that in

29:02

tandem, somewhat cancel each other out. The

29:04

first one was BILT announced that they

29:07

are losing American Airlines as a transfer

29:09

partner, and so for about 24 hours,

29:11

this is a huge bummer. The news

29:14

of this hit, people were very disappointed

29:16

because American Airlines was previously not a

29:18

transfer partner of any other transferable points

29:21

currency. I believe it was for a

29:23

brief window of Citi back in the

29:25

day, but that's been a while. So,

29:28

American has such great redemption, some really

29:31

good sweet spots on the award charts that

29:33

you just didn't have access to any other

29:35

way. So, when BILT offered American as a

29:37

transfer partner, it was really exciting. That

29:40

announcement was a huge bummer, except the next

29:42

day, they followed it up with an announcement

29:44

that they've added Alaska Airlines as a transfer

29:47

partner. Now, is Alaska better or worse than

29:49

American? I think the jury is still out

29:51

and it's probably not even a jury, it's

29:53

probably dependent on you. There

29:56

was a really great short, less than 20-minute

29:58

episode from the Frequent Myler podcast. I'll link

30:00

to in the show notes debating the

30:02

value of American versus Alaska points. I

30:04

actually texted Greg, one of the hosts,

30:06

that question. So it was really cool

30:09

two days later to see an episode

30:11

come out about that question. I think

30:13

there are still some really great opportunities

30:15

in the Alaska award charts. They've

30:17

got some business class from the East Coast where you can

30:20

go to Europe for less than 60,000. From

30:23

the West Coast, things have gone up a bit but still

30:25

75,000 to Korea, 75,000 from the

30:28

West Coast to Europe on Aerolingus, not

30:30

the worst for business class redemptions. So

30:32

a lot of good opportunities there. Only

30:35

big downside in my opinion for Alaska is

30:37

that they don't have mixed partner bookings. So

30:40

if you want to fly to Europe

30:43

on Condor or Aerolingus, which

30:45

are Alaska partners, but those

30:47

airlines don't fly from your home city,

30:49

then you can't book an Alaska flight

30:51

to connect you to the Aerolingus or

30:53

the Condor flight. So if

30:55

you live in a major city with flights

30:57

on a lot of their partners, it's great.

31:00

Otherwise, you might have to wait a bit

31:02

until I hope they will announce that you

31:04

can combine airlines for partner bookings. So

31:06

that was the news from BILT. The BILT

31:08

card is powered by Wells Fargo, which

31:11

actually announced their own news, which was

31:13

really, really exciting, which is that Wells

31:15

Fargo is going to be adopting transferable

31:17

points for their existing autograph

31:20

card. And on top

31:22

of that, they launched the Autograph

31:24

Journey card. Now this is particularly

31:26

exciting. If you own the autograph

31:28

card, it's a huge upgrade. But

31:30

anytime there are more transferable points,

31:32

it just increases the competition into

31:34

space. And I hope we'll just

31:36

keep seeing better card offers, more

31:38

transfer partners, higher bonus multipliers on

31:40

earnings, maybe even lower annual fees.

31:42

I'm just really excited about more

31:44

cards giving you the option to

31:46

transfer your points because you get such

31:48

an outsized value, right? When you previously had a

31:50

Wells Fargo card, you would be just getting one

31:52

cent per value of points. Now

31:55

that you can transfer those points, I think it'd

31:57

be pretty easy for you to get two, three,

31:59

even four. sense of value on some of

32:01

these redemptions. So the

32:03

good news is they've added at

32:05

least one partner in each major

32:07

alliance. So they added Avianca LifeMiles

32:09

in Star Alliance, they added Air

32:11

France KLM in SkyTeam, and they

32:13

added Avios in OneWorld. And I

32:16

think they added British Airways and

32:18

Iberia, but because you can transfer

32:20

between all the Avios currencies, being

32:22

able to send points to Avios

32:24

means you can also put them

32:26

in Aeralingus, Qatar, and soon Finnair.

32:28

They also added choice privileges for hotels and

32:31

add a 1 to 2 rate which

32:33

I've heard has some great sweet spot redemptions

32:36

from the hotel world. So obviously,

32:38

I'd want to see more transfer partners than

32:40

four to get too excited, but I have

32:42

to assume more are coming. And

32:45

the fact that they included Avianca and

32:47

Air France, which I think are really

32:49

great partners, in fact they're among some

32:51

of the most common partners that points

32:53

and miles enthusiasts are using to transfer their points

32:55

to, gets me really excited.

32:57

And if you hear this and you think,

33:00

I never fly Avianca or Air France, that's

33:02

not saying you need to fly those airlines

33:04

because they're part of Star Alliance and SkyTeam,

33:06

you can use them to book awards on

33:08

lots of other carriers. And I'm

33:10

actually doing an episode with Greg, the host

33:13

of the Frequent Mylar podcast on all the

33:15

different search tools out there and how to

33:17

use them to find the best redemptions and

33:19

which tools are best for which kind of

33:21

searching. So stay tuned for that. I'm excited

33:24

to see more transfer partners coming. As

33:26

for the cards, the existing Autograph

33:28

card is a no annual fee

33:30

card that gives you three points

33:32

on dining, travel, gas, transit, streaming

33:35

and phone plans. So already,

33:37

that's a pretty good slate of earning,

33:39

one x points on everything else. The

33:41

new card they've launched is the Autograph

33:43

Journey card. It comes out on 3-20, so

33:46

March 20th. So

33:48

I guess it will have already come out by

33:50

the time this episode comes out, recording-wise, it comes

33:52

out tomorrow. And the bonus is supposed to be

33:54

60,000 points on $4,000 to spend in three months.

33:58

So not the biggest bonus out there. out there but

34:00

60,000 points that you can transfer but

34:02

it has only a $95 annual fee and a $50 airfare

34:08

statement credit. So really an effective $45

34:10

fee. So for

34:13

the bonuses you're going to earn on

34:15

spending, this has got to be one

34:17

of the lowest annual fee cards for

34:19

such high earning multipliers. And those multipliers

34:21

are 5X on hotels, 4X on

34:24

airlines and 3X on travel

34:26

dining. So already you're

34:28

seeing better earning than the Chase Sapphire

34:31

Preferred, Reserve, Bill Card, all of these

34:33

things for a very, very modest

34:35

fee especially compared to some of these cards that

34:37

are charging close to $500 or more for similar

34:40

earning rates. It has no

34:43

foreign transaction fees, has some travel

34:46

related protection benefits and

34:48

if you have a few other Wells

34:50

Fargo cards that earn points or miles,

34:52

they let you move those points and miles over

34:55

so that you can transfer them to airlines and

34:57

hotels as well. So the Wells Fargo

34:59

Active Cash Card which earns 2X on everything

35:01

will now be a transferable points card as

35:03

long as you have the autograph or the

35:05

autograph turning. I don't think as of now,

35:07

we don't have links to any Wells Fargo

35:09

cards so I would just go to the

35:12

Wells Fargo site or find a points and

35:14

miles blog that does and support them but

35:16

if these cards are interesting, those transferable points

35:18

and all of the stuff I talked about

35:20

will be live by the time you hear

35:22

this episode. As for how I feel about

35:24

it, I'm a little bit torn. I'm

35:26

excited to see a new card. I am excited

35:29

to see high earnings multiples for

35:31

a low annual fee but

35:33

when I look at all the cards

35:36

I already have, I can already transfer

35:38

all my points to the same set

35:40

of airlines and hotel groups. So I'm

35:43

not unlocking any new transfer partners and

35:46

I already have a card that earns 5X

35:48

on airlines, the Amex Platinum and 3X on

35:50

travel dining with the Chase Reserve and I

35:52

actually get 4X on dining with the Amex

35:55

Gold. So the only change here would be

35:57

I'd get 5X on hotels. But

36:00

when it comes to hotels where I'm using

36:02

the Marriott and Hilton cards and earning more

36:04

than 5X, to get a few extra points

36:07

per dollar on hotels when I'm staying at

36:09

a non-Mariot and a non-Hilton isn't that exciting.

36:11

The 60,000 point bonus isn't that exciting yet,

36:13

maybe if it gets a little higher. So

36:16

I guess I'm both really excited about this

36:18

card as a starter card for lots of

36:20

people. If you don't already have a card

36:22

that transfers to a few of these airlines

36:24

or you don't have a card that earns

36:26

these kind of multiples in these categories, then

36:28

I would be pretty excited about this card.

36:31

It just happens that for me, somehow I'm

36:33

both excited about it and don't see a

36:35

place that it fits in my wallet. Maybe

36:38

things will change, maybe Wells Fargo will

36:40

launch a higher tier card in that

36:42

kind of like 300 to 500 annual

36:44

fee range that has a bunch of

36:46

other features that might be exciting for

36:48

me or maybe they'll add some unique

36:50

transfer partners. I think it's unlikely that

36:52

they're going to add American Airlines now

36:55

that built lost American, especially because built

36:57

cards powered by Wells Fargo, but anything's

36:59

possible. So we'll see what happens. I

37:01

think the only other speculative news I'd

37:03

say on that is it seems more

37:05

likely given the relationship that Citi has

37:08

with American because all of the American cards,

37:10

with the exception of a couple, are run

37:12

on the Citi platform, I think if we

37:14

see anything happen, it's likely that

37:16

Citi would adopt American as a transfer partner,

37:18

which would give a big bump to the

37:20

value of Citi points. So I

37:22

think it's possible you'll see me with one of these

37:24

Wells Fargo cards in the future, but

37:26

for right now, I don't see a way it fits in. Speaking

37:29

of Citi, I'll talk a quick bit

37:31

about transfer bonuses. There's currently

37:33

a 25% transfer bonus from Citi to Avianca,

37:35

25% transfer bonus from

37:38

Chase to Flying Blue, and

37:40

a 20% to 40% transfer bonus from

37:42

Capital One to Etihad. So

37:44

I don't like to speculatively transfer my

37:47

points to other airlines, but if you're

37:49

planning a trip right now And

37:52

you find availability that is a good

37:54

deal on Avianca, Flying, Blue, or Etihad,

37:56

then by all means, transferring points when

37:58

there's a transfer bonus. It just

38:00

makes the entire trip keeper. South.

38:03

Otherwise, I would say it's not worth

38:05

speculating. The only time I really speculate

38:07

on these transfers is when built that

38:10

them and their hundred one hundred fifty

38:12

percent transfer bonuses and it just seems

38:14

worth the speculation. I'm

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40:02

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41:00

Again, that's allthehacks.com/G-E-L-T.

41:05

Before we get back to the episode, I just want to

41:07

thank you for listening to and supporting the show. Your

41:10

support of our advertisers is what

41:12

keeps this show going. To learn

41:14

more about all our partners and

41:16

get links to all their deals,

41:18

you can go to allthehacks.com/deals, where

41:20

the URLs, codes, and discounts are

41:22

all right there. So, please consider

41:24

supporting those who support us. On

41:27

the negative side, there have been a

41:29

handful of devaluations recently and it's a

41:31

bummer, but it's just part of what

41:33

happens. Hyatt,

41:36

137 properties are getting a bit more

41:38

expensive. It's about 10% of their properties.

41:40

I think about 40% or somewhere around

41:42

like 4% or 5% of

41:45

the portfolio is getting cheaper, but

41:47

for the most part, properties are

41:49

getting more expensive. It's a

41:51

bummer, but it happens. It's points inflation, if

41:53

you will. The Wyndham-Vacasa partnership,

41:55

which I've never actually had a

41:57

good path to earning Wyndham Point.

42:00

points, but if you're in the boat of having

42:02

windom points, it's been a great way to redeem

42:04

windom points. I guess I do

42:06

have Capital One points, so I have had an

42:08

easy way to get windom points and Citi also

42:10

transfers to windom. But what you used to

42:12

be able to do was book a vacation

42:15

rental, which is a vacation rental. It's

42:17

similar to Airbnb. I think

42:19

the properties go through a bit more vetting before

42:21

they're on the platform. You

42:23

used to be able to book up to, I think,

42:25

$350 per bedroom per night of value for 15,000 points

42:32

per bedroom per night. It sounds

42:34

a little bit confusing, but if it's a one

42:36

bedroom for one night, you could basically book it

42:38

for 15,000 windom points, but it had to be

42:41

under $350 on Vakasa. That's

42:44

gone down to $250 and then you've been

42:46

given the option, if it's between $250 and

42:50

$500, then you can book it for 30,000 points. Now

42:53

that's per bedroom per night, so if you're

42:55

booking a four bedroom property and it's $2,000 a

42:59

night, then you could book it for

43:01

120,000 points a night. If

43:04

you really dial this in and are able to

43:06

find a perfect property, you'll find it at about

43:09

1.67 cents per point. I

43:11

think more likely you're going to end up in that 1.3, 1.4 cents

43:14

per point range, which by

43:17

the way, we were going up earlier talking

43:19

about taxes and paying your taxes on a

43:21

card. If you paid your taxes on a

43:23

Capital One card that earns 2x points, you're

43:25

effectively buying Capital One points for 0.91 cents

43:27

per point. If

43:30

you could buy them for 0.91 cents and

43:32

you can redeem them for 1.4 cents,

43:35

that's a deal. You're getting a

43:37

better deal. If you had a Vakasa

43:39

property that you really wanted to book and you

43:41

outlined it and you said, this is what it's

43:43

going to cost, it's how many points? It would

43:45

probably be cheaper for you to figure out how

43:47

many points it took to book and then go

43:50

put that many dollars on a credit card to

43:52

earn those points and pay the fee to the

43:54

IRS to make that transaction. It's not going to

43:56

be the best arbitrage, but you'd probably come out

43:58

ahead as long as that was close

44:00

to the ceiling meaning it's at the let's say

44:02

$200 to $250 per bed per night.

44:06

If you're booking something is like 260 and

44:08

you fell into the camp of needing to

44:10

pay the 30,000 points per bed

44:12

per night then it's probably not a good deal. Etihad

44:14

also added some award cancellation fees. So

44:17

if you cancel your flight within 21

44:19

days, you pay a penalty of 25%

44:21

of your points. Within 7 days, it's

44:23

75% of your points. I think they

44:25

also had some devaluations but some of

44:28

the first class prices things like from

44:30

New York to Abu Dhabi have actually

44:32

gone down in price in first class.

44:34

So there are maybe a couple sweet

44:36

spots but given those award cancellation fees,

44:38

I'd really only be booking something if

44:41

you're almost certain you're gonna take it.

44:43

I'd probably still rely on booking

44:45

Etihad through American Airlines if you

44:48

have access to American points though

44:50

as I mentioned before, there's a 20

44:53

to 40% transfer bonus from Capital One

44:55

to Etihad. So if you are looking

44:57

for just a really, really nice premium

44:59

cabin to the Middle East, A&A which

45:02

has long been a great but

45:04

hard to book transfer partner of

45:06

Amex, great because they have really

45:08

great pricing, hard to book because it takes

45:10

usually two to four days for those points

45:12

to show up and in the points of

45:14

miles world, things are changing fast enough and

45:16

they don't hold space that you might be

45:18

in a place where you transfer the points

45:20

and you don't have a use case for

45:22

them but they've been such a great deal.

45:24

So 75,000 points for business

45:28

class to Japan round trip, that's going

45:30

up to a hundred thousand points, those

45:32

are off-peak, it was 90,000 on

45:35

peak dates, now that's going up to 110,000

45:38

but still a hundred ten thousand points

45:40

to do a peak travel business class

45:42

round trip to Japan is way better

45:44

than you're gonna find other places. West

45:46

Coast to Europe used to be 88,000 points

45:49

round trip and now it's a hundred thousand

45:51

but again still that's a great deal. So

45:53

one of the challenges is you need to do

45:55

round trip, you need to transfer from Amex and

45:57

wait for the transfer to clear to book any.

46:00

thing but if you're able to do that

46:02

I like

46:34

that it's really amazing. Unfortunately,

46:37

they have almost doubled if

46:40

not more those prices. That

46:42

45,000 to go to Europe is bumping up

46:44

to 85,000 points each way. 47,000

46:49

Middle East is bumping up to 93,000 points each way. So

46:53

I think using your Turkish points for

46:55

cheap flights over the ocean in business

46:57

class is just not going to be a

46:59

thing. Fortunately, there is one

47:01

sweet spot that's still stuck around

47:03

and that is for domestic Star

47:06

Alliance Awards. So that's flights on

47:08

Air Canada or on United. Using

47:10

Turkish to book a one-way economy

47:13

flight anywhere in North America, including

47:15

Hawaii and Alaska is still only

47:17

10,000 Turkish points and

47:20

in business class it's only 15,000. So

47:22

if you can find availability from the East

47:25

Coast to Hawaii or the East Coast to Alaska, you're

47:27

going to be able to do that for 15,000 points

47:30

in business class each way. So there

47:32

is still a sweet spot and I

47:34

think that's really the take away from

47:37

all of this which is transferable points

47:39

are so much more valuable than points

47:41

in any one currency. If you were

47:43

accumulating Turkish points right now, you would

47:45

be in tears that your miles won't

47:47

take you nearly as far as they

47:49

would have six months ago. But

47:51

if you've accumulated Chase, built Amex, Capital

47:53

One or City Points or soon Wells

47:55

Fargo points, even when one airline that

47:58

you can transfer to a Blitter. rates

48:00

their charts for one type of flight, you

48:02

still have lots of options. So

48:04

yes, if you had Capital One points,

48:07

your option to get to Europe on

48:09

Turkish is not that great. But your

48:11

option to get to Europe on Avianca

48:13

or on Air Canada or even on

48:15

Avios might still be good options. Avios,

48:18

not so much if you're in business class and

48:20

you have to pay the fees, but there

48:23

are some options on every single transferable

48:25

points currency that's going to give you

48:27

a lot more flexibility. So I guess

48:29

my big takeaway for these devaluations is

48:31

it's always coming, knew it was going

48:33

to happen, but if you keep your

48:35

points based in a place that you

48:37

can transfer to lots of options, you

48:39

buy yourself the insurance that if something

48:41

goes down, if something costs more, you

48:43

don't have to deal with it. Two

48:46

quick news things. One, the award

48:48

tool Point.me, which we've talked about on the

48:51

show a lot, has partnered with Amex. And

48:53

so if you have a US-based Amex card,

48:55

you can now use the Point.me tool for

48:57

free, limited to only the transfer partners of

49:00

Amex. Point.me launched a similar partnership with BILT

49:02

where you can use your BILT rewards login

49:04

to search Point.me. In fact, that BILT rewards

49:06

login doesn't require you to even have the

49:09

BILT card. It's a free login for everyone.

49:11

They have a similar partnership with the Hotel

49:13

Search, Aways, where you can get free access

49:16

to the Aways Hotel Search. So

49:18

that's a great win for Amex card holders.

49:21

Second thing, if you have a Chase

49:23

Freedom Flex card or a Freedom card

49:25

in Q2, you're going to be getting

49:27

5x points on Amazon, hotels, and restaurants.

49:29

It's up to $1,500, but 5x

49:31

on Amazon, if you have the Amazon Prime card,

49:33

maybe it's a wash, but 5x on

49:35

restaurants is pretty great. So I know I'll be

49:37

shifting my restaurant spend in Q2 to the Freedom

49:40

Flex to get those 5x points.

49:43

I don't think I'll spend more than $1,500 on restaurants

49:45

in three months, so I don't think I will worry

49:47

about that limit. Last, I just

49:49

want to share a few card-length offers that

49:51

I just logged in to Chase and Amex

49:53

and saw and thought I'd share with you

49:55

all. So first off on the Chase side,

49:58

and by the way, if you're not familiar with the way

50:00

these offers work is that you log into

50:02

Chase, you log into Amex and depending on

50:04

your card and your spending profile, there might

50:06

be anywhere from 20 or 30 to Amex

50:08

sometimes 3,

50:12

4, 500 offers that you can link

50:14

to your card and when you spend

50:16

money at those merchants, you get either

50:18

cash back, points back, dollars back, really

50:20

depends on the offer. City

50:22

and Capital One have some of these as

50:24

well. I don't have a City card so

50:27

I can't tell you anything about the City

50:29

offers and I did log in to

50:31

the Capital One portal which I'm actually

50:33

doing right now just to make sure

50:35

that I didn't miss anything but historically,

50:37

the offers I've seen in the Capital

50:39

One portal have never really been that

50:41

exciting and they've also been very, very

50:43

consistent. So they've never really changed

50:45

that much. There's nothing that exciting. I'm

50:47

looking right now, yes, I can get

50:49

2% off at Home Depot

50:51

but the Chase portal for example had a 10%

50:54

off Home Depot. So right now,

50:57

I don't see anything that exciting on the

50:59

Capital One portal. On the chase

51:01

site, I see five Percent back on

51:04

Amazon Fresh which is cool. I see

51:06

twenty dollars off at Aura. So

51:08

if you been looking for an Aura ring

51:10

this is a great time that will stack

51:12

with the other deals. So if go to

51:14

all the hacks.com/aura. Chase

51:20

has $10 off TurboTax. I think Capital One actually

51:22

had 7% off TurboTax and

51:24

honestly, I bet Amex has a TurboTax offer

51:27

also seems during taxis that everyone has one.

51:29

So just make sure that if you're buying

51:31

TurboTax this year, you use some credit card

51:33

that's going to get you something back. Chase

51:36

also had 10% off DoorDash, 10% off

51:38

Home Depot like I said and a

51:40

lot of people, not me, but a

51:43

lot of other people are seeing 10%

51:45

off at Southwest. So those are all

51:47

offers that you need to activate on

51:49

your card to get those deals. So

51:51

you can either log in to Chase and

51:53

activate them or if you're using a tool

51:55

like Card Pointers, you will automatically get them

51:57

activated with the Card Pointers Chrome extension. that's

52:00

part of Card Pointers Pro. If you want to

52:02

learn more, all the hacks.com/Card Pointers, Emmanuel, the

52:04

founder of that company is awesome and he's

52:06

been a huge supporter of the show. On

52:09

the Amex side, there were a couple great offers. One

52:12

was with Zeal. For those that

52:14

aren't familiar, Zeal is basically a service

52:17

that connects you with in-home masseuses to

52:19

do massages. And so

52:21

really wanted to test this out, got Amy a massage

52:23

a month or two ago, wish that I had seen

52:25

this offer. Maybe this offer wasn't out yet or I

52:27

probably would have seen it, which is 25 off 75

52:29

and Amy

52:32

said it was an incredible massage. Now I

52:34

don't know how they're going to keep people

52:36

from going off platform. Amy actually exchanged numbers

52:38

with the masseuses she had so we wouldn't

52:41

need to use Zeal the next time. But

52:43

if Zeal keeps having deals like this, maybe it

52:45

makes sense to stay on the platform. And

52:48

that offer stacks with new member offers. So if

52:50

you go to allthehacks.com/Zeal, I'll put Amy's referral link

52:52

in there. At this point, she'll come back because

52:54

you guys will check it out and she'll have

52:56

some referral credit that'll also get you $20 off

52:59

as well as 25 off 75 from Amex which

53:01

will stack

53:04

on top of that. So you'll end

53:06

up getting about $45 off a massage in-home which

53:08

honestly if I remember the pricing, it's probably going

53:11

to bring you down to probably less than the

53:13

price you'd pay if you went to a spa

53:15

or something like that depending on the type of

53:17

spa. There's also an offer of

53:20

$50 off $250 at IHG properties, 3 months free of Paramount+. Basically

53:26

it's $11.99 off when you spend $11.99 or more for

53:28

3 months in a row. And

53:31

then 2 partners or friends of the show that

53:34

I saw Amex offers for. So Trust and Will

53:36

which is the product we use for our estate

53:38

plan has a $55 off $150 offer

53:42

so if you haven't done your estate

53:44

planning, definitely recommend checking out Trust and

53:46

Will. It'll stack with the

53:48

15% off you get at allthehacks.com/Trust

53:51

and Will. It'll also stack with

53:53

the 50% off

53:55

you get from Trust and Will as an All

53:57

the Hacks member which would probably take your $6

53:59

off. $600 estate plan down to $300 minus 55 down to $245. So

54:05

I can tell you that'll pay for the

54:08

$100 All The Hacks membership just there. And

54:10

then last, Viore, if you haven't checked out

54:12

Viore gear, you're missing out. When we did

54:14

our annual survey, it turns out 35% of

54:17

you have tried out Viore and

54:19

had amazing things to say about

54:21

the product. But there's a $25

54:24

off $125 Amex offer that also

54:26

stacks with the discount you get

54:28

at allthehacks.com/Viore. That's V-U-O-R-E. So

54:32

those are the Chase and Amex offers I found. Hopefully it

54:34

saves you guys some money. Would love to

54:37

hear what you think of this episode. I know it's

54:39

a little different than most. I kind of threw together

54:41

a topic and some news. You can

54:43

send any feedback you have to podcast

54:45

at allthehacks.com. I check everything there. Thank

54:48

you so much for listening. I will see you next week.