Spit shining our 2024 crystal ball

a hand cleaning a crystal ballEvery of us took a swing at predicting what’s going to occur with loyalty packages and bank cards in 2024. A few of it’ll certainly show to be completely hogwash — different predictions will show to be cat bathtub. Questioning what which means? Watch or hearken to Frequent Miler on the Air to seek out out.

Elsewhere on the weblog this week, Greg shares his elite standing plans for 2024, I share how I’m planning to trim a couple of thousand {dollars} in annual charges, Carrie publishes a enjoyable little recreation for music followers or those that prefer to get a peak on the personalities behind the folks, Tim opinions a card with a sizzling bonus that’s ending quickly, and much more. Watch, hear, or learn on for extra from this week at Frequent Miler.


00:00 Intro
01:30 Large Mailbag
10:42 Award Discuss: An Aeroplan cautionary story
14:20 Observe up on Bonvoyed Awards
16:56 Observe up on Deal of the 12 months
18:24 Essential Occasion: Spit-shining our 2024 crystal ball
18:30 A glance again at 2023 prediction outcomes
22:04 Nick’s predictions: Hogwash or cat bathtub?
24:39 Greg’s predictions: Hogwash or cat bathtub?
28:52 Carrie’s predictions: Hogwash or cat bathtub?
30:38 Stephen’s predictions: Hogwash or cat bathtub?
34:15 Tim’s predictions: Hogwash or cat bathtub?
46:24 Query of the Week #1: Ought to I cut back withholdings to make estimated tax funds with a bank card?
46:19 Query of the Week #2: Does it ever make sense to use for a card realizing that you simply’ll not get the welcome bonus?
50:49 Query of the Week #3: Have you ever thought-about releasing Ask Us Something as a podcast?

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This week on the Frequent Miler weblog…

Frequent Miler’s 2024 Predictions for Factors, Miles and Journey

a hands reaching out to a glass ball with a group of men in the background

Every of the Frequent Miler staff members made daring predictions about what we are going to see in bank cards and loyalty packages in 2024. A few of these predictions will little doubt come true and lots of others will certainly turn into utter hogwash (and on this week’s podcast above you possibly can hear Greg and I separate the cream from the wheat from the chaff — or learn the publish and determine for your self which of our predictions are probably to return true this yr.

My elite plans for 2024 (On my thoughts)

a man taking a selfie in a kitchen

With a brand new yr come new plans for elite standing — and a serious shift in Greg’s elite standing plans. I’ve to confess that I’m a little bit shocked that Greg isn’t contemplating re-upping both of the statuses he received from matches away from Delta. As an alternative, he may spend his manner towards . . . IHG standing? Are ya feeling OK, Greg? These had higher be some tasty Kimpton breakfasts, that’s all I’m sayin’. As for me, I’ve very restricted (as in virtually zero) plans to pursue standing in 2024.

Shortcuts to Hyatt elite standing and Milestone Rewards

Hyatt Guest of Honor awards

Hyatt has actually modified the sport for 2024 with the adjustments to Milestone rewards (See: (Replace: Now stay) Enormous (principally optimistic) adjustments to Hyatt’s Milestone Rewards) and the flexibility to simply present them on-line. Whereas we lengthy mentioned that the one degree of standing worthwhile was Globalist standing, it now might make sense to go after simply 40 elite nights for the related Milestone Rewards. Between spend I have to do on the credit score for to finish my welcome bonus spending and earn this yr’s Class 1-4 free night time certificates and stays I have already got booked, it appears to be like like I’ve received no less than 20 nights locked up to this point. I’m positive I’ll make some extra journey plans this yr and whereas I most likely gained’t requalify for Globalist, I’d make my technique to 40 nights for a Visitor of Honor keep at a collection improve award.

Chase Ink 90K presents now obtainable on-line (final name)

a close up of a logo

The top is nearing for the unbelievable Chase Ink 90K presents. Whereas I don’t often embody bank card bonus posts in our week in overview, these massive presents on playing cards that function no annual payment are well worth the consideration. In the event you can meet the spending necessities, it’s value tapping into your entrepreneurial spirit. Remember that your online business doesn’t essentially must be giant and even making a revenue but to qualify for enterprise bank cards. See our Chase Ink Enterprise Money Credit score Card Assessment (2024) for extra element about why you may want that card in your pockets long-term.

Chase Freedom Limitless: Uncapped double cashback for one yr (ends quickly)

a close up of a credit card

I couldn’t write in regards to the Ink presents above with out additionally mentioning that the top is nearing for the present Chase Freedom Limitless provide. Whereas I don’t often assume it’s value making use of for a Freedom Limitless card (in the event you’re eligible, you’d often be higher off making use of for a Sapphire Most popular or Reserve after which downgrading to a Freedom Limitless after a yr because the welcome bonuses on the Sapphire playing cards are significantly better), however this provide might make a distinction provided that it will give you a ton of factors over the primary yr relying in your spending patterns. The bonuses on pharmacy and eating places can be notably good, although “in every single place else” spend can also be stable with this provide.

Pay taxes through bank card, 2024 version

a screenshot of a website

In the event you’re searching for methods to fulfill minimal spending necessities on your new playing cards, the tax man (or lady) cometh. It’s that point of yr when it’s time to take into consideration easy methods to make your tax cash give you the results you want by strategically utilizing bank cards to pay your dues. Whether or not you’re making estimated funds, funds you owe, or overpayments simply in case you owe extra tax, you need to use this time of yr to select up simple spend (and in the event you file promptly, you’ll hopefully get again any refund owed inside an inexpensive period of time.

A Platinum downside: Nick’s plan for lowering the load of his pockets by eliminating some annual charges

a man holding a pair of scissors and a credit card

With 9 Platinum complete playing cards in my family, you may assume that I’m a serious outlier within the recreation — however in the event you listened to our Ask Us Something the opposite night time, you realize that I’m not even an outlier on the Frequent Miler staff. Nonetheless, I don’t wish to proceed paying $695 a pop for thus many Platinum playing cards, so I needed to create a plan of assault to make use of up the annual credit and cancel or downgrade to avoid wasting.

Methods we’re utilizing Dell credit (and possibly making a dent in AA elite necessities)

a laptop on a table

One of many issues I have to do earlier than downgrading and cancelling Enterprise Platinum playing cards is use my Dell credit for the primary half of 2024. On this publish, I checklist numerous the merchandise that members of the Frequent Miler staff have bought. I’m undoubtedly going to purchase a 3-pack of Nest WiFi Professional units for a brand new mesh WiFi system and I’ll most likely purchase the touchscreen monitor I suppose. I’m not but positive how I’ll spend the opposite $400 — maybe on some extra earbuds to promote.

Amex Inexperienced Card Assessment (2024)

a hand holding a green paper

Greg opinions the Amex Inexperienced card right here, which is well timed since I intend to most likely find yourself with a couple of of those in brief order. He calls the Inexperienced card Amex’s reply to the Chase Sapphire Reserve I’ve by no means actually thought of it that manner, however it is sensible given the bonus classes and talent to switch to companions. I’ve by no means actually been notably eager on the Inexperienced card, however possibly I ought to be provided that I choose Amex switch companions and have lounge entry from different playing cards, so I don’t want the entry granted by the Sapphire Reserve. Actually, I could dump the reserve at subsequent anniversary and hold one of many Inexperienced playing cards if I believe I’ll spend sufficient on “free” cruises to make 3x worthwhile.

Marriott Bonvoy Selection Advantages. Which to select? (Decide by 1/7/24)

a balcony with a view of a grass field and a sunset

Don’t overlook to select your Marriott Selection advantages now or let Marriott selected for you.

Music followers, we’ve received a recreation for you…

Spotify Contest

Whether or not you want music otherwise you identical to getting a peak on the personalities behind the folks behind the weblog, you may discover this one enjoyable. The Frequent Miler staff members every took our 5 most-played songs of 2023 (based on our Spotify accounts) and put them right into a playlist, then tried to determine who had every music of their high jams of 2023. What I loved most in regards to the checklist was a mix of what number of songs I didn’t know and imagining that it’s the real-life soundtrack that accompanies the creation of a whole lot of Frequent Miler content material (or no less than did final yr!).

Frequent Miler’s 2023 Featured Picture of the 12 months

a woman on a laptop

Wrapping up our appears to be like again at 2023, Carrie ranked our featured photographs to kind by means of one of the best featured photographs of 2023. Whereas Carrie is our Inventive Director and does a whole lot of graphic design, every of the authors on the location are likely to make our personal featured photographs. Once in a while, one among them injects the correct amount of humor — and you may see the contestants and share your individual opinion(s) within the feedback.

That’s it for this week at Frequent Miler. Maintain an eye fixed our for the primary final probability offers of 2024.

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