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Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition


TheVig
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I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.

 

Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.

 

Credit Cards:

Amex Gold & Every Day MR 441,390

Amex Delta SkyMiles 205,415
Citi MileUp MC American Airlines 69,345

FNBO Amtrak Guest Rewards MC 135,948

Chase CSP / CFU Signature Visa UR 101,559

Chase IHG Traveler MC 66,064

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,186

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 360,660

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857

Fetch Rewards (GC) 27,439 Points

Ibotta (CB or GC) $7.65

Upside (CB or GC) $14.15

CoinOut (CB or GC) $8.65

Payce (CB) $18.97

Receipt Hog (CB or GC) 3156 Coins

Receipt Jar (GC) 2013 Points

Receipt Pal (GC) 4725 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

 

 

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Credit Cards:

Amex Gold & Every Day MR 441,390

Amex Delta SkyMiles 205,415
Citi MileUp MC American Airlines 69,345

FNBO Amtrak Guest Rewards MC 135,948

Chase CSP / CFU Signature Visa UR 101,559

Chase IHG Traveler MC 66,064

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,186

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 360,660

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857

Fetch Rewards (GC) 27,749 Points

Ibotta (CB or GC) $20.25

Upside (CB or GC) $14.99

CoinOut (CB or GC) $8.75

Payce (CB) $18.97

Receipt Hog (CB or GC) 3176 Coins

Receipt Jar (GC) 2163 Points

Receipt Pal (GC) 4825 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Cashed out $20 from my ibotta account.

 

Leave tomorrow again on another business trip. Next weeks hotel stay, will push me north of 400k Choice Privileges points. More than enough to cover our stays this year in NYC and Philly. Won't have to worry about transferring Amex MR and Citi TY points into Choice points.

 

Credit Cards:

Amex Gold & Every Day MR 441,390

Amex Delta SkyMiles 205,453
Citi MileUp MC American Airlines 69,369

FNBO Amtrak Guest Rewards MC 135,948

Chase CSP / CFU Signature Visa UR 101,559

Chase IHG Traveler MC 66,064

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 386,475

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857

Fetch Rewards (GC) 28,554 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $15.98

CoinOut (CB or GC) $9.66

Payce (CB) $18.97

Receipt Hog (CB or GC) 3256 Coins

Receipt Jar (GC) 2319 Points

Receipt Pal (GC) 5480 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & Every Day MR 444,072

Amex Delta SkyMiles 205,505
Citi MileUp MC American Airlines 69,420

FNBO Amtrak Guest Rewards MC 135,948

Chase CSP / CFU Signature Visa UR 101,559

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 386,575

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857

Fetch Rewards (GC) 29,149 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $19.13

CoinOut (CB or GC) $10.40

Payce (CB) $19.56

Receipt Hog (CB or GC) 3308 Coins

Receipt Jar (GC) 2479 Points

Receipt Pal (GC) 5835 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & Every Day MR 444,072

Amex Delta SkyMiles 205,517
Citi MileUp MC American Airlines 69,420

FNBO Amtrak Guest Rewards MC 135,969

Chase CSP / CFU Signature Visa UR 101,559

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 418,905

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857

Fetch Rewards (GC) 29,149 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $19.13

CoinOut (CB or GC) $10.40

Payce (CB) $19.56

Receipt Hog (CB or GC) 3308 Coins

Receipt Jar (GC) 2479 Points

Receipt Pal (GC) 5835 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,522
Citi MileUp MC American Airlines 69,420

FNBO Amtrak Guest Rewards MC 135,969

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 418,905

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7853

Fetch Rewards (GC) 29,404 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $20.92

CoinOut (CB or GC) $10.62

Payce (CB) $19.56

Receipt Hog (CB or GC) 3353 Coins

Receipt Jar (GC) 2534 Points

Receipt Pal (GC) 5990 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Routine cash out of my Upside account.

 

For those new around here, I don't like to let large sums build up. Mainly because I don't want to risk, losing money if one of these apps goes under. With that said, the cash back apps I use have a stable track record. When I cash out, the money gets deposited in a dedicated, no fee checking account.

 

 

Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,522
Citi MileUp MC American Airlines 69,420

FNBO Amtrak Guest Rewards MC 135,969

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 418,905

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7853

Fetch Rewards (GC) 29,404 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.92

CoinOut (CB or GC) $10.62

Payce (CB) $19.56

Receipt Hog (CB or GC) 3353 Coins

Receipt Jar (GC) 2534 Points

Receipt Pal (GC) 5990 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,522
Citi MileUp MC American Airlines 69,420

FNBO Amtrak Guest Rewards MC 135,969

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $0.88

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 34,280

Choice Privileges Visa Signature 421,090

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7853

Fetch Rewards (GC) 29,604 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.92

CoinOut (CB or GC) $10.95

Payce (CB) $19.56

Receipt Hog (CB or GC) 3443 Coins

Receipt Jar (GC) 2569 Points

Receipt Pal (GC) 6090 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,547
Citi MileUp MC American Airlines 69,453

FNBO Amtrak Guest Rewards MC 135,969

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 421,090

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7939

Fetch Rewards (GC) 29,790 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.25

CoinOut (CB or GC) $11.16

Payce (CB) $19.56

Receipt Hog (CB or GC) 3463 Coins

Receipt Jar (GC) 2739 Points

Receipt Pal (GC) 6190 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,557
Citi MileUp MC American Airlines 69,453

FNBO Amtrak Guest Rewards MC 139,086

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 421,090

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7939

Fetch Rewards (GC) 30,090 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.25

CoinOut (CB or GC) $11.39

Payce (CB) $19.56

Receipt Hog (CB or GC) 3505 Coins

Receipt Jar (GC) 2799 Points

Receipt Pal (GC) 6190 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,563
Citi MileUp MC American Airlines 69,453

FNBO Amtrak Guest Rewards MC 139,186

Chase CSP / CFU Signature Visa UR 102,530

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 421,090

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7939

Fetch Rewards (GC) 30,245 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.25

CoinOut (CB or GC) $11.68

Payce (CB) $19.56

Receipt Hog (CB or GC) 3535 Coins

Receipt Jar (GC) 2974  Points

Receipt Pal (GC) 6445 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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I received the same 5% PayPal offer from Citi.  I'm connected my Citi card to PayPal, then set PayPal as my default payment method in the Walmart app.  We easily spend $800-1,000 a month there on groceries, so I look at it as a $45 gift and it should be easy enough to track when we have spent the entire $1,500, then I can switch back to my preferred WF 2% cashback card.

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Credit Cards:

Amex Gold & BBP MR 444,072

Amex Delta SkyMiles 205,583
Citi MileUp MC American Airlines 69,453

FNBO Amtrak Guest Rewards MC 139,186

Chase CSP / CFU Signature Visa UR 102,799

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 427,518

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7939

Fetch Rewards (GC) 31,254 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.25

CoinOut (CB or GC) $12.46

Payce (CB) $19.56

Receipt Hog (CB or GC) 3570 Coins

Receipt Jar (GC) 3049  Points

Receipt Pal (GC) 6750 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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I don't think I've mentioned this before. Barclays pulled the plug for new applications last fall. Current card holders in good standing, can continue to use and earn points as usual. No word yet on which bank, may pick up the card.

 

3u1Whh1.png

 

 

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Credit Cards:

Amex Gold & BBP MR 446,856

Amex Delta SkyMiles 205,590
Citi MileUp MC American Airlines 69,453

FNBO Amtrak Guest Rewards MC 139,186

Chase CSP / CFU Signature Visa UR 102,799

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 297,518

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7939

Fetch Rewards (GC) 31,630 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.84

CoinOut (CB or GC) $13.09

Payce (CB) $19.56

Receipt Hog (CB or GC) 3590 Coins

Receipt Jar (GC) 3104 Points

Receipt Pal (GC) 6950 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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Hotel Redemption

 

Econo Lodge Times Square NYC

130k Choice Privileges Points for 6 nights

Cash price for 6 nights would have been $1880 <----- Has to be the most expensive Econo Lodge property. But it's NYC so that explains it.

 

Amtrak Redemption

 

CLT-NYP Coach

NYP-BOS-NYP day trip. Acela Business.

NYP-CLT Business Class

I was able to use a couple of companion passes for the legs between CLT-NYP-CLT. That dropped the train tickets for DW and me down to $500 total. Would have been north of $750 without those passes. Amtrak has been getting right proud of their prices. Especially anything that involves sleeper rooms and business class. 

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Credit Cards:

Amex Gold & BBP MR 446,856

Amex Delta SkyMiles 205,590
Citi MileUp MC American Airlines 69,497

FNBO Amtrak Guest Rewards MC 139,186

Chase CSP / CFU Signature Visa UR 102,799

Chase IHG Traveler MC 66,106

BofA Customized Cash Rewards Visa (3% Travel) $5.97

Citi Double Cash MC (2% CB / TYP Everything) 21,510

Citi Premier MC Thank You Points 36,322

Choice Privileges Visa Signature 303,518

WF Active Cash Signature Visa (2% CB Everything) $87.44

 

Shopping Portals and Apps / Stacking Opportunities:

DOSH (CB) $18.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 7956

Fetch Rewards (GC) 31,751 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $0.84

CoinOut (CB or GC) $13.30

Payce (CB) $19.56

Receipt Hog (CB or GC) 3600 Coins

Receipt Jar (GC) 3144 Points

Receipt Pal (GC) 6950 Points

Shell Fuel Rewards (Earning AA Miles 2miles/gal.)

Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)

AA Simply Miles

Airline / Hotel Dining and Shopping Portals

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