News and notes from around the interweb:

I couldn’t log into my British Airways Executive Club account today.

And I received an email from British Airways:

British Airways has become aware of some unauthorised activity in relation to your Executive Club account.

This appears to have been the result of a third party using information obtained elsewhere on the internet, via an automated process, to try to gain access to your Executive Club account.

We understand this was login information relating to a different online service which you may have also used to access your Executive Club account.

Several fascinating things here:

  • This issue is widespread, reported on blogs and multiple frequent flyer forums. I had people tweet me asking whether my account was involved in the shutdown.
  • They appear to be implyig the hack was of Award Wallet (the only service I use to track my accounts). I’m skeptical. None of my other accounts have had any points drained.
  • Separately in the email they say the login was successful but no points were taken. I wonder how they then identified which accounts to lock down?

There’s something squirrely about the British Airways email, they just don’t strike me as being forthcoming.

The email contained a link to the password reset page. I entered my account number and that generated a password reset email. I reset my password (by simply entering a new one) and I had access to my account again.

All of my Avios points were gone.

This is apparently a temporary condition and they will let me know when I can spend my points again though I can call to get access to the points earlier.

Is it too cynical to wonder whether British Airways is all too willing to lock down points redemptions in advance of next month’s huge devaluation?

I’ve written extensively about the protectionism that US airlines are seeking from the government in bashing Emirates, Etihad, and Qatar — and about the hypocrisy as US airlines lobby for and take huge subsidies while attacking only those competitors they’re worried about for doing the same thing while ignoring the even greater subsidies offered to state airlines that they partner with (Think for instance Delta and Saudia, United and Air India).

Gulf Carriers Receive Subsidies and So Do US Airlines

There are certainly subsidies that have at various times helped to prop up the various major Gulf airlines, as we’ve seen with airlines around the world. Sometimes those subsidies have seemed larger than life, though it’s easy to forget the privileged position over time of British Airways at Heathrow and the gifting of Concorde. And it’s easy to forget that the birth of the US airline industry was laid out in industrial policy conducted by the Postmaster General who decided in essence which airlines would fly what routes profitably. Not to mention the huge anti-consumer subsidies embodied by the Civil Aeronautics Board which set prices at a level, and kept out competition, to allow airlines to earn profits.

Even today US airlines receive subsidies that have gone as high as $2 billion a year as part of the program which makes aircraft available to the government in the unlikely future event of national security needs. And those same airlines take fuel tax subsidies. Delta received nine figures for its oil refinery. The US aviation industry is one of the most heavily regulated and subsidized in the country.

Clearly US airlines go to the government not as exponents of the virtues of free markets, but hat in hand looking for still more cronyist handouts.

US Airlines Should Understand the Nature of the Competition

US airlines really should compete, but not in the way most people suspect. For the most part they don’t even fly overlapping routes now, although US airlines are trying to make it sound like they do. US carriers barely serve India and don’t serve Bangladesh or Pakistan. They don’t serve North Africa. They don’t offer much service to the Middle East.

But they’re worried about fifth freedom flights (Emirates flies New York – Milan now, though the US airlines of course do not worry about Kuwait flying New York – London).

They can realistically compete against Gulf carriers across the Atlantic, at such time as those carriers actually offer meaningful service on those routes. They just need to understand the nature of the competition.

The Big Gulf Carriers Aren’t That Great, They’ve Just Convinced You They Are

Read More…

The New York Times has a piece on visa services. I contribute,

Gary Leff, a co-founder of Milepoint.com, a website for veteran and would-be frequent fliers, and the blogger behind the miles and points site View From the Wing, has directed his readers to Allied Passport and Visa, which has given them discounts. He said the feedback from readers who have used the visa service has always been positive, though he has yet to try it himself because he’s one of those frequent fliers who have not been able to part with their passport.

I never used them because I lived in DC where countries all have embassies. Now that I’m only in DC about a week a month I will use them. For the record I’ve not taken any special consideration from them, I only use the best available public offer, but all the feedback from readers who have used them has been enormously positive.

I think it’s useful to, Read More…

After Hilton’s dramatic award chart gutting of nearly two years ago, there weren’t huge changes again this year.

And Hilton decided to change the way they made changes to how they re-assign hotels to award categories. Instead of an annual change to tons of hotels (a schedule they really weren’t wedded to in the past anyway) they decided they would make rolling changes throughout the year. And instead of informing all members proactively of these changes, they would just post them on a web page in the name of ‘transparency’.

At least they are announcing the changes. And savvy members could create a change detection for the page.

Hilton HHonors is making category adjustments to several hotels effective April 8

That said, this time they seem to have posted upcoming changes on Flyertalk but it was a couple of days later before they updated the page on the Hilton website where they promise to keep members informed of changes.

Ten properties get less expensive. Fourteen get more expensive. Overall a sliver of the overall HHonors portfolio. Although of course HHonors categories do not all have fixed award prices anyway so category changes aren’t the only way to increase reward night prices. And there are no announcements when hotels get more expensive within a category thus we really can’t say whether there have been big increases or not.

Here’s the list of changes, find out which hotels get more expensive and which will require fewer points..

No, it’s not showering onboard an Emirates Airbus A380.

I’m not really a destination blogger per se but it really can be all about the destination.

Earlier this week I took a helicopter….

…through a rainforest…

and landed on a rock.

Next to a waterfall…

.. where I sat and drank champagne.

Business class airfare thanks to Delta SkyMiles and hotel covered by Starwood Starpoints. Brunch where only a handful of people have ever gone? Well, I suppose I could have charged it to my room and convinced the hotel to claim an Instant Award against it. But, well, those aren’t an especially good value use of Starpoints.

I feel like I can take the occasional splurge when the air and hotel are covered by points. And wandering around the forest, dipping in the water, for a few hours — well, that was truly priceless.

Trip report to come…

What does your perfect travel day look like?

IHG Rewards Club has again updated its terms and conditions without notifying members.

This isn’t the big change to points-earning they snuck in just before the clock struck midnight on the New Year.

Instead it’s a change to how they reward meeting planners and corporate bookers. Roughly speaking it appears they’re aping what Starwood has done with SPG Pro but they’ve updated their terms and conditions without telling members. Read More…

There’s a reason Starwood has introduced new benefit choices for Platinums who stay 50 nights in a year. Instead of giving 10 ‘Suite Night Awards’, 50 night Platinums can choose from a variety of benefits.

Suite Night Awards are really ‘upgrade priority’ managed centrally by Starwood out of a hotel’s room inventory. They aren’t confirmed upgrades the way Hyatt offers them, at booking, but on availability beginning 5 nights prior to check-in.

Platinums who prefer something else can choose from a variety of items worth at most ~ $100 at retail. For instance, 5 free Uber rides worth $20 maximum each. Use 5 short $6 rides and the benefit won’t be nearly maximized (and you do not get to choose when to use free rides if they’re in your account, those are used on the first 5 rides you take).

It’s hard to argue that any choice could be better than Suite Night Awards. And yet Platinums do get frustrated when they receive this by email:

The problems are:

  1. Hotels are full these days
  2. Everyone wants suite upgrades at the same hotels at the same times. No one wants them on solo one night business stays. They want them at resorts at peak times.
  3. Suite upgrades have to be available every night of a stay.
  4. There are hotels that play games with inventory, though my sense is this factor is less important and less prevalent than commonly believed.

So how do you approach suite night strategy successfully? Read More…

I previously reported that US Airways accounts are ‘frozen’ with awards no longer able to be booked until miles have been transferred over to American AAdvantage.

It’s true that Dividend Miles awards are no longer available. However, American apparently has a procedure in place for members with immediate travel needs who wish to book awards with their legacy US Airways miles but that haven’t had their miles show up on the American side of the ledger yet.

  • This is for travel March 26 – 28.
  • It’s for award travel only and not for mileage upgrades. (Upgrades are not considered emergency. Some may beg to differ!)
  • This is for legacy US Airways members with enough miles in their US Airways account for an award, not for members of both programs who will only have enough miles once their balances get combined.

Those last minute award travel needs can be accommodated for Dividend Miles members, it seems, booking American AAdvantage awards even over this weekend while American is in the process of combining Dividend Miles and AAdvantage accounts. Legacy US Airways agents will be able to look up mileage balances in their frozen database and initiate the process.

US Airways Dividend Miles was pretty much ‘anything goes’ as far as award routings go — the combination of flights you were allowed to use when booking an award to get from your origin to destination.

There was no auto-validation of routings and no auto-pricing.

Whatever region an agent thought you were traveling to determined the price they would enter. So you could ‘guide them’ (“I’d like to book a North Asia award, we’ll connect in Hong Kong in North Asia on the way to Bangkok. And now to wrap up this North Asia award let’s connect back through Tokyo and…”)

I really do think American needs to liberalize their routing rules.

American requires that: Read More…

Contra lots of concerns, Delta said yesterday that they’d be bringing Virgin Australia awards back online.

When I wrote about the 80% bonus for purchased Virgin America miles, several readers noted they thought it was no longer possible to book Virgin Australia flights using Delta miles — and that there was speculation (fueled by Delta agents, and reported on Flyertalk) that the Delta-Virgin Australia partnership had ended.

Virgin Australia business class awards are both frequently available and one of the only ways to get non-stop between North America and Australia in a premium cabin on points. They’re one of the best uses of Virgin America points, and they’re one of the best uses of Delta awards.

Both Virgin America and Delta offer one-way award redemption, making it possible to pull together different sets of points to make roundtrips.

I’ve just flown them myself and though their business class seating is 7-across (they’re moving to a more modern 4-across reverse herringbone configuration), I found the seats very comfortable (they are fully flat) and the service (in an Australian way) and food quite good.

Delta confirms for me that their redemptions on Virgin Australia should return on Saturday.

The issue was a flight information filing error that was not allowing the inventory to be pulled upon request as normal.

It will be corrected on Saturday when the updated info will be loaded.

Reader sarah asked,

Is there a service which can assist in arranging a multi-city vacation in Europe using [American Express Membership Rewards points] and American miles… air and hotel. Appears to be too complex for my computer skills.

Funny Sarah should ask this!

I happen to have an award booking service. Lest you think I’m about to get all commercial on you, it’s probably worth mentioning that I do not write about it very often although there’s a link to it on the left hand side of the blog.

Working to help folks redeem literally billions of miles is one major source of knowledge and experience I use in writing this blog.

My approach is that you don’t ever pay unless we’re able to secure an award that meets agreed-upon parameters for the trip. We only like to happy happy customers, and love to help folks navigate the world of miles and points.

But I give away most of my knowledge here on the blog (which is to say that there’s no charge to read the blog, though at a bare minimum unless you’re using ad blocking software I do make money on the ads). Frankly most of the business has come from media attention, such as being named one of Conde’ Nast Traveler‘s world’s top travel specialists (2010 – Present) plus writeups in the New York Times as well as USA Today and elsewhere.

We’re happy to have a look at pretty much any award challenge, the way to get started is to fill out the booking request form linked on the BookYourAward.com website.

Now, Sarah asks about hotels. I’m always happy to provide advice, but we aren’t a full service travel agency and only consult on airline awards. Hotels just aren’t difficult to reserve for the most part the way that airline tickets can be. (Most hotel programs have adopted a ‘no capacity controls’ approach to reward nights, meaning that if a standard room is available at the hotel you can get that on points.)

I’m not sure whether the other services deal with hotel bookings, it’s certainly not a part of their standard offerings. Book Your Award isn’t the only service out there, and I much respect the products that Points Pros (Lucky of One Mile at a Time‘s service) and Matthew Klint offer.

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, and other banks are advertising partners of this site. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).


IHG® Rewards Club Select Credit Card

This card’s 70,000 point signup bonus after $1000 spend within 3 months is slated to go expires March 31.

The offer should drop to just 60,000 points after that.

The card has a $0 fee the first year, then $49. The spending requirement is low to earn the points. And the card has no foreign transaction fee.

The card offers top tier Platinum elite status just for being a cardmember, and as long as you have the card. Some readers report good treatment at properties with this status, though I’ve never been impressed.

I don’t consider it a strong card for putting much spend on after you’ve earned the bonus. But the annual bonus with his card is worth the squeeze, for sure.

Every year you get a free night certificate. You’re paying a $49 annual fee, but getting redemption value that can be orders of magnitude higher.

Take for instance the Intercontinental Paris – Le Grand. A classic room there could run 620 Euros for the night.

The 70,000 point signup bonus is more than a night at this or similar hotels, enough for two nights at most hotels, and can be stretched out to many nights of course when IHG offers 5000 point per night ‘PointBreaks’ nights.

If you’re interested in this card, then better to get it in the next few days than later.

IHG® Rewards Club Select Credit Card

chase freedom credit cardEditorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.
chase freedom credit card

Hans M. forwards along this email from Rewards Network which runs ‘AAdvantage Dining’ and most of the airline and hotel co-brand dining programs where you earn miles for restaurant meals.

It’s titled, Don’t Worry, We Won’t Tell Your Boss…

He writes,

I find this amusing how blunt they are about trying to bribe you into making purchasing decisions to reward yourself against the best interest of your company.

I don’t think it’s troubling at all, I don’t think it says you should reward yourself by acting against the interests of your company. It says go out to eat. Don’t eat at your desk. Like the old Keith Ferrazzi business book, Never Eat Alone (well, that would double your miles if you picked up the check).

This might be more troubling if the pitch was “spend more at lunch at these restaurants when it’s on the company dime” and yet that’s the underlying premise of frequent flyer programs themselves [that you’ll make decisions to fly a given airline regardless of price and bill the company].

Travel loyalty programs are all about conflicts of interest.

Might as well make it explicit. That’s more or less what the move to revenue-based accrual are doing in any case. More honest, in some sense. “Wait until the last minute to make your decision to fly, the tickets will cost your employer more and we’ll give you a bigger kickback.”

If anything it’s MileagePlus and SkyMiles that deserve the scorn here for their program changes which reward unethical behavior by employees, not this dining program.

Reader Brian said,

I’d like to see you talk about the singapore waitlisting process (especially for the much touted suites class). There isn’t much written about it so it would be interesting to hear your analysis as a “professional” award booker. Possible areas of content: Is it ever successful? How often does it clear and on what routes? Is it worth speculatively transferring flexible miles over for the chance of getting into suites? Is there any way to predict your chances?

Singapore Airlines is pretty generous with reward space for their own members, they’re just not at all generous with reward space for their partners’ members. If you have United miles you won’t be able to get long haul business and first class awards on Singapore. But if you use Singapore Airlines own miles you probably can. (They’re a bit tighter with Suites Class space on some routes than they were a year ago, however.)

Singapore Airlines miles are pretty easy to get because they are a transfer partner of Chase Ultimate Rewards, American Express Membership Rewards, Starwood Preferred Guest, and Citi ThankYou Rewards. So if you have any of those, you can have KrisFlyer miles.

The other unique thing about Singapore is that they allow you to waitlist for awards.

The question here is: what do we know about when waitlists clear? And in my experience it isn’t a completely predictable process.

I’ve seen waitlists clear far in advance, and I’ve seen them clear at the last minute. And I’ve seen them clear not at all.

  • If a flight is filling up, there’s very little likelihood that it will clear.
  • If a flight is wide open, there’s some chance but it is not guaranteed that the waitlist will clear.

Suites Class awards do clear — sometimes — and unfortunately I do not have a foolproof way of telling someone that they can pick a flight, waitlist, and wind up with the award space they’re after… because in my experience just because there are seats available doesn’t mean Singapore will open those seats for folks on the waitlist.

The good news is that waitlists do sometimes clear, which is a better situation than a few years ago when I find it inconsistent whether you’d even wind up staying on the waitlist when you added yourself to it. Under the old reservation system (2.5+ years ago) I found that sometimes you’d drop off.

As a result of that history I do tend to get paranoid and check every so often that someone is still listed, but of late that hasn’t seemed necessary.

Learn the strategic uses for these points..

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, and other banks are advertising partners of this site. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).


Reader Nick asked,

Amex lost some big partners recently, can we expect some big signup bonuses from them in the near future (1-3 months)? I’m thinking of signing up for the Amex Plat but wouldn’t want to miss out on a big bonus.

American Express is losing JetBlue and Costco co-brand credit cards. The JetBlue relationship is helpful in the New York market, which is important, but it’s a much smaller portfolio than Delta, Costco, etc. Costco is a big hit — but in a sense American Express is the winner here, because if there was ever a case of ‘the winner’s curse’ it has to be Citibank overpaying for a deal that would have been more valuable to Amex than to Citi (given their big installed cardmember base).

While American Express needs to be aggressive in building its business in the faces of losses like this, the bigger threat that they face is downward pressure on interchange rates (the prices they charge merchants for processing card transactions) given a recent court decision that would allow merchants to ‘prefer’ cheaper cards.

I do not see these competitive pressures driving up signup bonuses.

  1. If anything, there new customer acquisition could become less profitable with lower interchange rates (though lower merchant fees don’t necessarily translate to lower awards).
  2. American Express’ focus has been building new business lines geared to female heads of household like the no fee Amex Everyday card [although they concurrently created the Amex Everyday Preferred which is the strongest Membership Rewards-earning card].
  3. Their biggest growth area has been in lower income segments through the Walmart co-branded Bluebird and now the Target co-brand Redcard.

The standard offer for the Platinum Card by American Express is 40,000 points after $3000 spend within 3 months.

If you want to search for better offers, a great place to start is the Creditcards.com Match Tool which sometimes has more lucrative offers such as 100,000 points or more commonly 60,000.

American Express made a competitive response to losing American lounge access, the loss of other partners, and limitations on their Delta partnership by building out their own Centurion lounges which are fantastic — and which the Platinum card gets you fee-free access to. They added gogo inflight internet passes to the Business Platinum card. They added unlimited Boingo internet to the Platinum product.

These are on top of the addition of the airline fee credit which is a relatively recent addition. And it’s worth remembering that even American lounge access wasn’t always a part of the program, and US Airways lounge access was brought on pre-emptively when it was clear that the United-Continental merger would mean the loss of Continental as a partner.

So benefits are always changing, and American has aggressively added benefits when they’ve needed to do so. Those benefit packages work better for some, less well for others.

In general I see signup bonuses as much bigger than they used to be (50,000 mile offers are common, whereas a decade ago 20,000 point offers were far more common) but there are few 100,000 mile offers the way there were during the Great Recession when programs were buying miles cheap from airlines who ran fire sales through their loyalty programs to raise case.

chase freedom credit cardEditorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either.
chase freedom credit card

This post details my airport overnight at the Premier Inn at the Abu Dhabi airport. This is my second time staying there, it just makes sense to me arriving around 8pm and departing on a flight about 12 hours later.

Previous installments:

  1. Introduction, overview, and costs
  2. Star Alliance first class and business class lounges, LAX
  3. Etihad First Class, Los Angles – Abu Dhabi.. the 3rd Longest Flight in the World!

Upon landing at an apron position, and taking a bus to the terminal, I had my strangest immigration experience yet. And as a result it took about an hour to get from plane to bed. That made me all the more grateful not to be heading into Abu Dhabi, and needing to head back in the morning.

I wasn’t going to ‘go out’. I had just flown the third longest flight in the world and I wanted to sleep. I’ve been to Abu Dhabi many times. That’s when you want an airport hotel and here there are only really two, with the next closest properties over on Yas Island. (On a single ticket as a connecting passenger Etihad no longer offers complimentary car service in Abu Dhabi.)

When choosing an airport hotel I generally believe that you want, all things equal: Read More…

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, and other banks are advertising partners of this site. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).


Chase Sapphire Preferred Card

Reader Dave M. e-mails me,

In your thorough analysis of the various credit card rewards and opportunities I rarely see you consider or discuss the value of certain cards, like the Chase Sapphire’s Price Protection (which includes on-line price guarantees) and Purchase Protection (which includes lost items, in addition to the stolen/damaged coverage).

For me, this is one of the big distinguishing factors to go with the Chase Sapphire over other rewards cards.

Do you de-emphasize these features because they don’t further the goal of aspirational travel; or don’t move the needle enough by dollar value? Or that most people don’t fool with the hassle of filing these types of claims?

Maybe I just comparison shop and lose more items than most, but I feel like if you are willing to play the miles game, you would likely be willing to do so with the other benefits cards offer.

Premium card cards carry a lot of benefits that are underused. Most people don’t realize they have these benefits. And when they do, they forget, don’t think to use them. That’s actually why they’re:

  • Good marketing, they sound good for credit card companies to offer
  • Cheap to provide, since people don’t use them.

Different cards carry different benefits, the terms of those benefits differ as well, but the bulk of premium credit cards do carry a variety of benefits and they often aren’t in and of themselves a reason to choose one card over another.

One exception in my own personal case — I rent cars frequently so I always want to pay using a card that offers primary collision. That is, if there’s damage to the rental vehicle my car insurance company may not even have to know, the card’s coverage kicks in from dollar one. (Most cards offer secondary coverage, paying what other insurance doesn’t, meaning they’ll usually cover your deductible more or less.)

That’s why I think it’s fantastic that the Chase Sapphire Preferred Card now offers primary collision. That benefit was reason enough for me to keep my otherwise little-used Diners Club card for years after its prime.

It was just last summer that Chase announced better trip delay coverage and primary collision for Sapphire Preferred.

I’ve given some coverage to the different premium protections that credit cards offer, I’ve had good luck with Sapphire Preferred not just because it offers good rental car collision protection but it’s also the card whose coverage paid when I dropped my cell phone face down on the sidewalk two months after purchase.

Chase Sapphire Preferred Card

chase freedom credit cardEditorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.
chase freedom credit card

News and notes from around the interweb:

Earlier I wrote about the merger of US Airways Dividend Miles into AAdvantage coming this weekend.

One of the things I noted is that this weekend is not the last opportunity to apply for a US Airways MasterCard. Several readers noted that Lucky from One Mile at a Time wrote,

At some point this week, new applications for the US Airways Dividend Miles Card will no longer be possible, and soon these cards will be converted into an AAdvantage Aviator Card

Whereas I pointed out,

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The Barclays co-brand credit card will remain available for application through the published dates of the final acquisition communications – e.g. April 12 or April 17 as various links have published – even though the Dividend Miles program will have ended.

My point was that each application channel for the card has its own end date. So I thought I would clarify the actual ends dates for the various application channels as Barclaycard’s acquisition of new cardmembers for the AAdvantage portfolio winds down.

According to American:

  • The public online application is slated to go away March 28
  • April 3 is the deadline for the final direct mail applications that were sent out
  • Final emails were sent out with an application deadline of April 12 (there are some reported as April 17)
  • There’s a remind later feature on the application which generates an email with a link valid for 30 days to apply. The last day an email with an application link can be generated is March 28, so April 27 should be the final day for these last links to still be around.

The last day to apply depends on the channel being used. While Barclays only gets to acquire new US Airways cardmembers while there is a US Airways frequent flyer program (who will then be transitioned into being AAdvantage cardmembers), there’s a wind down because different applications have different end dates and they have to honor the commitments made through each channel. Presumably to do otherwise would generate complaints to the credit card marketing office of the Consumer Financial Protection Bureau.

And that creates a bit of a longer last window for some to apply for a card you won’t be able to get anymore otherwise.

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View from the Wing is a project of Miles and Points Consulting, LLC. This site is for entertainment purpose only. The owner of this site is not an investment advisor, financial planner, nor legal or tax professional and articles here are of an opinion and general nature and should not be relied upon for individual circumstances.

Advertiser Disclosure: Many (but not all) of the credit card offers on the site are from banks from which we receive compensation if you are approved. Compensation does not impact the placement of cards other than in banner advertising (we do not currently control the banner advertising on this blog). We don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).

Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclaycard or any other company. They have not reviewed, approved or endorsed what I have to say.