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

[TheVig]

1 hour ago, MP80 said:

 Just curious. Is that your whole credit card portfolio, about 15 cards? I'm thinking you now probably have at least ~25 to 30 cards.

I’ve got a little over 30 total. I’ve got some ho hum cards not listed. Mostly from my early rebuilding days. Basically keep them around for age. 

[TheVig]

Credit Cards:

Amex Gold & BBP MR 501,544

Amex Delta SkyMiles 209,210
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 148,503

Chase CSP / CFU Signature Visa UR 121,418

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 54,579

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

Citi Premier / Double Cash World Elite MC TYP 60,668

Choice Privileges World Elite MC 249,174

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 6891

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 27,193 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $20.59

CoinOut (CB) 18,390 Points

Receipt Hog (CB or GC) 1788 Coins

Receipt Jar (GC) 7469 Points
Receipt Pal (GC) 9430 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 501,840

Amex Delta SkyMiles 209,238
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 148,523

Chase CSP / CFU Signature Visa UR 121,418

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,668

Choice Privileges World Elite MC 249,184

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 7043

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 27,538 Points

Ibotta (CB or GC) $0.25

Upside (CB or GC) $21.50

CoinOut (CB) 18,990 Points

Receipt Hog (CB or GC) 1813 Coins

Receipt Jar (GC) 7539 Points
Receipt Pal (GC) 9630 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

This will stack nicely with a trip we have coming up mid October.

 

 

[TheVig]

Cashed out some of my receipt scanning apps. Redeemed for Amazon gift cards. Then redeemed those for Amtrak gift cards for future travel.

 

Credit Cards:

Amex Gold & BBP MR 501,840

Amex Delta SkyMiles 209,277
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 149,781

Chase CSP / CFU Signature Visa UR 122,379

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,953

Choice Privileges World Elite MC 252,499

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 8098

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 455 Points

Upside (CB or GC) $2.95

CoinOut (CB) 20,620 Points

Receipt Hog (CB or GC) 1913 Coins

Receipt Jar (GC) 7929 Points
Receipt Pal (GC) 865 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[hdporter]

@TheVig:  You impress as someone who will stoop down to pick up a stray promo buck on the sidewalk as you pass (admirable) ... so how is it you're not collecting SYW points?  (Shop Your Way Citi card, Sears card related, but does not require Sears purchases or redemptions.) I'm cleaning up on $40-$100 in monthly VISA gift card credits on existing spend (as high as 20%+ "cashback").  If this is news to you, check my post on the subject.

[TheVig]

13 minutes ago, hdporter said:

@TheVig:  You impress as someone who will stoop down to pick up a stray promo buck on the sidewalk as you pass (admirable) ... so how is it you're not collecting SYW points?  (Shop Your Way Citi card, Sears card related, but does not require Sears purchases or redemptions.) I'm cleaning up on $40-$100 in monthly VISA gift card credits on existing spend (as high as 20%+ "cashback").  If this is news to you, check my post on the subject.

 

Can you point me to your post on the matter? My search skills suck at the moment.

 

It's been awhile since I looked at the program. I guess I need to revisit it. 👍

[hdporter]

Here's the thread I recently updated ... see that last couple of posts:

 

I'll note that the card has largely split away from its Sears/KMart origins.  Of particular interest are targeted promotions (not everyone gets a particular offer) that are sent to your email.  Many offers serve up point bonuses worth 5%, 10% or even higher against a specific spend.  Points can be redeemed for gift cards, with my redemption favoring generic VISA gift cards.  The point value seems like is must have been inspired by the Rwandan franc ... 1000 SYW pts = $1; I redeem 100,000 pts at a time for a $100 gift card).

 

Similar to other Citi rewards programs, SYW points are managed on a separate website from the card account.

 

The SYW program has piqued a bit of interest on the myFICO forum; it's worth perusing the thread there to read of people's experience and how they choose to best take advantage of the program.

 

 

[TheVig]

10 hours ago, hdporter said:

Here's the thread I recently updated ... see that last couple of posts:

 

I'll note that the card has largely split away from its Sears/KMart origins.  Of particular interest are targeted promotions (not everyone gets a particular offer) that are sent to your email.  Many offers serve up point bonuses worth 5%, 10% or even higher against a specific spend.  Points can be redeemed for gift cards, with my redemption favoring generic VISA gift cards.  The point value seems like is must have been inspired by the Rwandan franc ... 1000 SYW pts = $1; I redeem 100,000 pts at a time for a $100 gift card).

 

Similar to other Citi rewards programs, SYW points are managed on a separate website from the card account.

 

The SYW program has piqued a bit of interest on the myFICO forum; it's worth perusing the thread there to read of people's experience and how they choose to best take advantage of the program.

 

 

 

@hdporter I've added the chrome extension to my browser. Two iPhone apps are available. Can't see any difference between the two apps, except one is called MAX SYW. You are right about point value. I'm not gonna stop earning MR thru Rakuten, but from my initial investigation into SYW, there are some use cases.

[hdporter]

6 hours ago, TheVig said:

 

@hdporter I've added the chrome extension to my browser. Two iPhone apps are available. Can't see any difference between the two apps, except one is called MAX SYW. You are right about point value. I'm not gonna stop earning MR thru Rakuten, but from my initial investigation into SYW, there are some use cases.

 

Now that's interesting because I haven't added the extension yet.  I'm simply thrilled with the bonus point offers for card use that have come via email.  After you log some time with it, please relate your experience with the browser extension.  (My "go to" extensions are Honey and Capital One Shopping.)

[TheVig]

Credit Cards:

Amex Gold & BBP MR 501,840

Amex Delta SkyMiles 209,302
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 149,781

Chase CSP / CFU Signature Visa UR 122,379

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,953

Choice Privileges World Elite MC 278,434

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 8098

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 955 Points

Upside (CB or GC) $4.03

CoinOut (CB) 21,450 Points

Receipt Hog (CB or GC) 2010 Coins

Receipt Jar (GC) 8054 Points
Receipt Pal (GC) 1250 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 501,840

Amex Delta SkyMiles 209,302
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 149,781

Chase CSP / CFU Signature Visa UR 124,027

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,953

Choice Privileges World Elite MC 278,434

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 8227

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 955 Points

Upside (CB or GC) $4.03

CoinOut (CB) 21,450 Points

Receipt Hog (CB or GC) 2010 Coins

Receipt Jar (GC) 8054 Points
Receipt Pal (GC) 1250 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 503,624

Amex Delta SkyMiles 209,334
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 149,781

Chase CSP / CFU Signature Visa UR 124,027

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,953

Choice Privileges World Elite MC 278,434

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 8297

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 1705 Points

Upside (CB or GC) $8.39

CoinOut (CB) 22,340 Points

Receipt Hog (CB or GC) 2064 Coins

Receipt Jar (GC) 8144 Points
Receipt Pal (GC) 1585 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

Edited October 1 by TheVig

[TheVig]

Our fall trip to NYC is coming up soon. Good thing I book the hotel and train a few months back.

 

 

 

 

[TheVig]

Credit Cards:

Amex Gold & BBP MR 503,624

Amex Delta SkyMiles 209,388
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 149,781

Chase CSP / CFU Signature Visa UR 124,027

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 55,621

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

Citi Premier / Double Cash World Elite MC TYP 60,955

Choice Privileges World Elite MC 286,724

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 8765

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 2110 Points

Upside (CB or GC) $15.81

CoinOut (CB) 22,9160 Points

Receipt Hog (CB or GC) 2144 Coins

Receipt Jar (GC) 8229 Points
Receipt Pal (GC) 1820 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 504,340

Amex Delta SkyMiles 209,445
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 150,670

Chase CSP / CFU Signature Visa UR 125,547

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 287,435

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 10,975

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $2.56

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 72

Fetch Rewards (GC) 2110 Points

Upside (CB or GC) $15.81

CoinOut (CB) 22,9160 Points

Receipt Hog (CB or GC) 2144 Coins

Receipt Jar (GC) 8229 Points
Receipt Pal (GC) 1820 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 504,340

Amex Delta SkyMiles 209,458
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 151,747

Chase CSP / CFU Signature Visa UR 125,547

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 289,521

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 10,975

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 2937

Fetch Rewards (GC) 3235 Points

Upside (CB or GC) $2.22

CoinOut (CB) 910 Points

Receipt Hog (CB or GC) 2329 Coins

Receipt Jar (GC) 8559 Points
Receipt Pal (GC) 2305 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 504,340

Amex Delta SkyMiles 209,458
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU Signature Visa UR 125,547

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 289,521

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 10,975

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 2937

Fetch Rewards (GC) 3235 Points

Upside (CB or GC) $2.22

CoinOut (CB) 910 Points

Receipt Hog (CB or GC) 2329 Coins

Receipt Jar (GC) 8559 Points
Receipt Pal (GC) 2305 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 504,340

Amex Delta SkyMiles 209,470
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU / CFF World Elite Signature Visa UR 125,547

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 289,521

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 10,975

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 2937

Fetch Rewards (GC) 3610 Points

Upside (CB or GC) $4.52

CoinOut (CB) 2030 Points

Receipt Hog (CB or GC) 2388 Coins

Receipt Jar (GC) 8629 Points
Receipt Pal (GC) 2755 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 504,340

Amex Delta SkyMiles 209,493
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU / CFF World Elite MC Signature Visa UR 128,078

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 289,521

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 11,237

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 2937

Fetch Rewards (GC) 3610 Points

Upside (CB or GC) $4.52

CoinOut (CB) 2030 Points

Receipt Hog (CB or GC) 2388 Coins

Receipt Jar (GC) 8629 Points
Receipt Pal (GC) 2755 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 505,140

Amex Delta SkyMiles 209,515
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU / CFF World Elite MC Signature Visa UR 128,078

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 289,778

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 11,237

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 3328

Fetch Rewards (GC) 4220 Points

Upside (CB or GC) $14.21

CoinOut (CB) 3180 Points

Receipt Hog (CB or GC) 2458 Coins

Receipt Jar (GC) 8954 Points
Receipt Pal (GC) 3125 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 505,183

Amex Delta SkyMiles 209,523
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU / CFF World Elite MC Signature Visa UR 128,078

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 290,146

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 11,494

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 3328

Fetch Rewards (GC) 7798 Points

Upside (CB or GC) $16.49

CoinOut (CB) 3530 Points

Receipt Hog (CB or GC) 2463 Coins

Receipt Jar (GC) 8974 Points
Receipt Pal (GC) 3475 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Credit Cards:

Amex Gold & BBP MR 505,233

Amex Delta SkyMiles 209,539
Citi MileUp World Elite MC American Airlines 72,913

FNBO Amtrak Guest Rewards World MC 152,616

Chase CSP / CFU / CFF World Elite MC Signature Visa UR 128,078

Chase IHG Premier World Elite MC 67,866

Chase Hyatt Visa Signature 56,152

BofA Customized Cash Rewards Visa (3% Travel) $6.20

Citi Premier / Double Cash World Elite MC TYP 61,363

Choice Privileges World Elite MC 290,146

WF Active Cash Signature Visa (2% CB) $89.29

BILT Rewards MC 11,598

 

Shopping Portals & Apps / Stacking Opportunities:

DOSH (CB) $9.68

Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 3328

Fetch Rewards (GC) 8003 Points

Upside (CB or GC) $19.42

CoinOut (CB) 3770 Points

Receipt Hog (CB or GC) 2478 Coins

Receipt Jar (GC) 9004 Points
Receipt Pal (GC) 3475 Points

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

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

United Airlines 115 Miles

Airline / Hotel Dining and Shopping Portals

[TheVig]

Citi American Airlines targeted spend offers. Many people have received these offers, but not all.

 

 

 

 

[TheVig]

Citi Premier spend offer.