Marriott Bonvoy Boundless Card Review: 125,000 Points + 1 Free Night (50k value) Limited-Time Offer

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New limited-time offer. The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including hotels from the merger of Starwood Preferred Guest and Marriott). Right now, there is a new limited-time offer:

Here are the highlights:

  • 125,000 Bonus Points and 1 Free Night Award (value up to 50,000 points) after you spend $5,000 on purchases in the first 3 months from account opening.
  • Additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card.
  • 2X Bonvoy points per $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • $95 annual fee.

Keep in mind the following:

The bonus is not available to you if you:

(1) are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott BonvoyTM American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express);

(2) are a current or previous cardmember of either Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months; or

(3) applied and were approved for Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.

That’s a lot of long card names, but note the different 30-day, 90-day, and 24-month waiting periods that may now include Marriott business cards. (See my Marriott Bonvoy Business American Express Card Review.) This is why you should be looking to get the best possible bonus (like a limited-time offer) if you do apply.

The Marriott and Starwood merger is now complete, and you can use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft).

Here’s the new award chart information:

50,000 points will get you a free night at a Category 5 hotel (any time including peak), Category 6 hotel (off-peak or standard), or Category 7 (off-peak). A sample Category 5 hotel is the Courtyard Waikiki Beach in Hawaii. A sample Category 6 hotel is the Sheraton Kauai Resort or Residence Inn Maui Wailea. A sample Category 7 hotel is the Westin Moana Surfrider in Waikiki, Honolulu or the Westin Princeville Ocean Resort Villas.

Points can also be transferred to airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that qualify under the 35,000 point limit:

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Westin Hapuna Beach Resort (Big Island, Hawaii)
  • Courtyard Waikiki Beach (Honolulu, Oahu)
  • Sheraton Kauai Resort (Kauai, Hawaii)
  • W Atlanta
  • New York Marriott at the Brooklyn Bridge
  • Chicago Marriott Downtown Magnificent Mile
  • W Chicago
  • The Ritz-Carlton, Beijing, China
  • The S. Regis Bangkok, Thailand

No annual fee alternative. The Marriott Bonvoy Bold card is also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless Credit Card (formerly the Marriott Rewards Premier Plus Credit Card) is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free night award every year should easily cover the annual fee.

I will be adding this limited-time offer to my Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Delta SkyMiles American Express Cards – New Limited-Time Offers

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Limited-time offers are back, with first year values well above $500 for each card below. Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. As you can only get the welcome bonuses once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. Here are the current offers:

Delta SkyMiles® Gold American Express Card

  • Limited Time Offer: 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide and U.S. supermarkets. 2x miles on Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $0 annual fee for the first year, then $99. (See Rates and Fees)
  • Terms Apply.

70,000 Skymiles is worth at least $700 in Delta airfare. Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 70,000 Skymiles can reduce the price of your Delta ticket by $700 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

Here is the spending rewards structure for the Delta SkyMiles® Gold American Express Card:

  • 2X miles at restaurants worldwide, including takeout and delivery.
  • 2X miles at U.S. supermarkets.
  • 2X miles on Delta purchases. 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • 1 miles per dollar spent on all other purchases.

Delta SkyMiles® Platinum American Express Card

  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Up to $100 Fee Credit for Global Entry or TSA PreCheck. Worth up to $100 towards Global Entry membership (which includes TSA PreCheck).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 3X miles on Delta direct purchases. 2X miles at restaurants worldwide and at U.S. supermarkets. Earn 1 miles per dollar spent on all other eligible purchases.
  • $250 annual fee. (See Rates and Fees)
  • Terms Apply.

BUSINESS Card Versions

Delta SkyMiles® Gold Business American Express Card

  • Limited Time Offer: Earn 70,000 bonus miles, and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/2021.
  • $100 Delta flight credit. Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide, at U.S. supermarkets, and on Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $0 annual fee for the first year, then $99. (See Rates and Fees)
  • Terms Apply.

Delta SkyMiles® Platinum Business American Express Card

  • Limited Time Offer: Earn 90,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/21.
  • 10,000 Medallion Qualification Miles (MQMs) after $25,000 in purchases in a calendar year, up to two times per year. This helps get you reach elite Medallion Status, but does not earn you miles towards reward flights.
  • Fee Credit for Global Entry or TSA PreCheck. Worth up to $100 towards Global Entry (which includes TSA PreCheck).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide and at U.S. supermarkets. 3X miles Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $250 annual fee. (See Rates and Fees)
  • Terms Apply.

Again, Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 90,000 Skymiles can reduce the price of your Delta ticket by $900 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

In my opinion, the Delta Gold is still the best for most casual Delta customers because of the free checked bag, new $100 flight credit, and relatively big sign-up bonus. The main draw of the Platinum is the MQMs for those that want to achieve status (and thus free upgrades), along with the companion certificate. I have used the companion certificate several times in the past and have gotten good value out of it. The annual fee is $250 for the Platinum so you’ll need to consider how much the “status boost” is worth to your situation.

During a limited-time offer, I will add these to my list of the Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: New US Mint Coin Deal on 9/13 ($100+ Net Profit, September 2021)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Another new coin deal on Monday, September 13th, 2021. PFS Buyers Club has another coin deal on a limited-edition American Eagle 2021 One Ounce Silver Reverse Proof Two-Coin Set Designer Edition. They will pay you a guaranteed fixed profit of $100.05 plus any credit card rewards. See details below.

On September 13th – at 12:00PM ET the US Mint will release the limited edition American Eagle 2021 One Ounce Silver Reverse Proof Two-Coin Set Designer Edition.

There is a purchase limit of 1 Set per household, so you’re able to buy 1 Set.

The cost of each American Silver Eagle Two-Coin Set is $175.00. After including the $4.95 shipping charge, each order’s total will be $179.95

You will have the box shipped to your own house or office and then ship them to PFS Buyers Club with a prepaid FedEx shipping label that we will provide for you.

We will pay you $280.00 – for a profit of $100.05 per order.

This is also a great opportunity to earn valuable points/miles on your credit cards, as well as meet any spending thresholds.

If you are new to this type of deal please the previous similar (but expired!) deal for more background information and answers to most common questions. I have now done multiple deals with them and been paid as promised with no issues.

If you want to jump on this, you can sign up to join PFS Buyers Club here. PFS will provide *very* detailed instructions. Read them ahead of time, and follow them carefully to help you buy the coin before it sells out. If you use that link as a first-time buyer, I will receive a one-time referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it in the past. I will be opting in myself as well.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

American Express Membership Rewards: Airline and Hotel Points Transfer Bonuses, Up to 40%

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

If you have collected a nice stash of Membership Rewards (MR) points from American Express, you may want to log into your account and check out the many new transfer bonuses available to their airline and hotel partners. Waiting for one of these limited-time transfer promotions is a good way to maximize the value of your AmEx MR points. Note that these transfers are not reversible. Some offers expire September 30th, while others are marked October 31st.

Airlines

  • British Airways: 40% Bonus. 1,000 MR points = 1,400 Avios.
  • Hawaiian Airlines: 25% Bonus. 1,000 MR points = 1,300 Virgin points.
  • Aer Lingus: 40% Bonus. 1,000 MR points = 1,400 Avios.
  • Iberia: 40% Bonus. 1,000 MR points = 1,400 Avios.
  • Air Canada: 20% Bonus. 1,000 MR points = 1,200 Aeroplan points.
  • Aeromexico: 25% Bonus. 1,000 MR points = 2,000 Premier points.
  • Air France/KLM Flying Blue: 25% Bonus. 1,000 MR points = 1,250 Flying Blue miles.
  • Avianca / Lifemiles: 15% Bonus. 1,000 MR points = 1,150 LifeMiles.
  • Virgin Atlantic: 30% Bonus. 1,000 MR points = 1,300 Virgin points.
  • Qantas: 30% Bonus. 500 MR points = 600 Qantas points.

Hotels

  • Hilton Honors: 30% Bonus. 1,000 MR points = 2,600 Hilton points.
  • Marriott Bonvoy: 30% Bonus. 1,000 MR points = 1,300 Bonvoy points.

Airlines that are currently NOT offering a transfer bonus include Delta, ANA, Emirates, Etihad, and Singapore Airlines. Choice hotels are also not offering any bonuses at this time.

I’m not a big traveler these days, so I don’t have any of the Gold or Platinum cards right now, even though they are offering big bonuses. I do keep one consumer AmEx and one business AmEx that earns Membership Rewards points, both with no annual fee.

  • The Amex EveryDay Card doesn’t see a lot of use, but it keeps my Membership Rewards points active with no annual fee and helps qualify for various Amazon promotions.
  • The Blue Business Plus from American Express does see a lot of action as my primary small business card, as it earns 2X Membership Rewards points on all purchases on up to $50,000/year with no annual fee. I can always transfer to Delta Skymiles which at least knock off 1 cent per mile off a Delta ticket, which means a MR points is at least worth 1 cent minimum for my situation. Too bad Delta is not participating this time.
My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase Sapphire Reserve Card Review: 60k Points Worth $900 in Travel, $300 Annual Credit, New Benefits August 2021

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New benefits added August 2021. Chase has updated their “ultra-premium” credit card, the Chase Sapphire Reserve Card, which has headline features of Visa Infinite benefits, 60,000 Ultimate Rewards points sign-up bonus, $300 annual travel credit, 3X points on travel and dining, and a $550 annual fee. Here is the long list of perks:

  • 60,000 Bonus Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months. That can be redeemed for $900 of airfare, hotels, and other travel through Chase Ultimate Rewards. Through 9/30/21, you can also redeem for $900 towards groceries, dining, and home improvement via the Pay Yourself Back tool.
  • $300 annual travel credit. Every year, the card will rebate you back up to $300 in travel purchases such as airfare and hotel nights charged on your card. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
  • New: 10X total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations or order takeout.
  • New: 10x total points on hotel stays and car rentals purchased through Ultimate Rewards. Similar to Expedia/Travelocity/Kayak, it is a travel comparison booking site.
  • New: 5x total points on air travel purchased through Ultimate Rewards.
  • 3X points per $1 spent on travel & dining worldwide. The 3X points on travel kick in immediately after earning your $300 travel credit. 1 point per $1 spent on all other purchases.
  • Up to $100 statement credit towards Global Entry or TSA PreCheck.
  • Priority Pass Select membership. Provides free access to 1,300+ airport lounges in over 400 cities worldwide.
  • New: Access to Chase Sapphire Lounges, which are new airport lounges starting at New York’s LaGuardia Airport (LGA), Boston Logan International Airport (BOS), and Hong Kong International Airport (HKG).
  • Free year of DoorDash DashPass. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21. If you are new customer to DoorDash and sign up via my DoorDash referral link, you will get $10 off your first 3 DoorDash orders over $20 ($30 total savings). I will get food credits as well. Thanks if you use it!
  • Free year Lyft Pink membership + 10x points on Lyft purchases through March 2022. Lyft Pink usually costs $19.99 a month and includes 15% off Lyft rides, 3 complimentary bike and scooter rides a month, and priority airport pickups.
  • $120 in statement credits on Peloton Digital and All-Access Memberships through 12/31/2021.
  • 1:1 points transfer to various frequent flyer and hotel loyalty programs.
  • Annual fee is $550; $75 for each additional authorized user.

Note the following text:

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Ultimate Rewards points. This card offers a special 50% bonus on travel redemptions made through the Ultimate Rewards travel website. That is more than any other Chase card (a 25% bonus is the most otherwise). 50,000 Ultimate Rewards = $750 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Freedom, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Air Canada (new), Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user (free with Chase Freedom). This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Dedicated customer service line with a live person that answers the phone 24/7. No waiting or complicated phone trees.
  • No foreign transaction fees.
  • Primary car rental collision damage waiver insurance. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Enjoy special car rental privileges from National Car Rental, Avis, and Silvercar when you book with your card.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

As for the $300 annual travel credit, “annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date. So it’s not exactly by calendar year, but roughly close and you can likely get this twice under the first year’s annual fee.

Bottom line. The Chase Sapphire Reserve Card has an improved 60,000 Ultimate Rewards points sign-up bonus, 50% boost to all your redemptions of Ultimate Rewards points, $300 annual travel credit, 3X points on Dining/Travel (more if you use their travel website to book), Priority Pass Select airport lounge membership, up to $100 Global Entry application credit, Lyft perks, DoorDash perks, $120 in Peloton credits, and more… in exchange for a $550 annual fee. You should compare against that of the Chase Sapphire Preferred card, which has less perks but also a lower annual fee.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Wyndham Rewards Earner Cards: 60,000 to 90,000 Bonus Points (3-12 Free Hotel Nights)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New limited-time offer. We continue to see many travel rewards credit cards rolling out their “highest-ever offers”. The Wyndham Rewards Earner credit cards all have limited-time bonuses of 60,000 points (no annual fee) and 90,000 points ($75 or $96 annual fee). Thanks to Brendon for the tip.

Wyndham hotels now cost either 7,500, 15,000, or 30,000 points for a “Go Free” award hotel night with no blackout dates (as long as a standard room is available for cash, you can book it with points). That means 60,000 points could be redeemed for 2 free nights at their most expensive tier of hotels, or 8 free nights at their lowest tier. 90,000 points could be redeemed for 3 free nights at their most expensive tier of hotels, or 12 free nights at their lowest tier. You can also redeem toward a discounted “Go Fast” cash and points rate.

Wyndham Rewards Earner Card highlights:

  • 45,000 bonus points after spending $1,000 on purchases in the first 90 days, plus earn an additional 15,000 bonus points after spending a total of $2,000 in the first 6 months.
  • 5X points per $1 spent on Hotels by Wyndham and gas purchasess.
  • 2X points per $1 spent on dining and grocery store purchases (excluding Target® and Walmart®).
  • 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
  • Automatic upgrade to Wyndham Rewards Gold status.
  • 10% fewer Wyndham Rewards points required for go free® awards.
  • 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.
  • No annual fee.

Wyndham Rewards Earner Plus Card highlights:

  • 60,000 bonus points after spending $1,000 on purchases in the first 90 days, plus earn an additional 30,000 bonus points after spending a total of $2,000 in the first 6 months.
  • 6X points per $1 spent on Hotels by Wyndham and gas purchasess.
  • 4X points per $1 spent on dining and grocery store purchases (excluding Target and Walmart).
  • 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
  • Automatic upgrade to Wyndham Rewards Platinum status.
  • 10% fewer Wyndham Rewards points required for go free® awards.
  • 7,500 bonus points each anniversary year after annual fee renewal.
  • $75 annual fee.

Wyndham Rewards Earner Business Card highlights:

  • 60,000 bonus points after spending $1,000 on purchases in the first 90 days, plus earn an additional 30,000 bonus points after spending a total of $2,000 in the first 6 months.
  • 8X points per $1 spent on Hotels by Wyndham and gas purchasess.
  • 5X points per $1 spent on eligible marketing, advertising, and utilities purchases.
  • 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
  • Automatic upgrade to Wyndham Rewards Diamond status.
  • 10% fewer Wyndham Rewards points required for go free® awards.
  • 15,000 bonus points each anniversary year after annual fee renewal.
  • $95 annual fee.

Wyndham points expiration – Important!

  • Wyndham Rewards points will expire if you have no activity on your account for a period of 18 months.
  • In addition, all Wyndham Rewards points expire 4 years after being earned — regardless of account activity.

For example, earning points via this credit card will only reset the 18-month inactivity clock. You should get the exact date in your online account page. You should make sure that there are good opportunities for you to redeem this points in the near future.

Wyndham Rewards includes over 9,000 hotels worldwide – from Days Inn motels to Wyndham Grand hotels. You can use this link to filter locations. Participating hotel chains include:

  • AmericInn by Wyndham®
  • Dolce Hotels and Resorts® by Wyndham
  • Hawthorn Suites by Wyndham®
  • Howard Johnson by Wyndham®
  • La Quinta by Wyndham®
  • Ramada by Wyndham®
  • Days Inn by Wyndham®
  • Super 8 by Wyndham®
  • Travelodge by Wyndham®
  • Wingate by Wyndham®
  • Wyndham Grand®
  • Wyndham Hotels and Resorts®
  • Wyndham Garden®

Depending on the hotel, you might get over 1 cent per point value (i.e. $300 cash hotel night for 30,000 points), but you might also get closer to 0.5 cent per point value (i.e. a $75 hotel night might require 15,000 points).

Bottom line. The Wyndham Rewards Earner credit cards all have limited-time bonuses at their highest level ever. However, know that you must redeem the points within 4 years at the longest, even with regular account activity. As the potential net value is over $500, I will be adding both the personal Earner+ card to my Top 10 Best Credit Card Bonus Offers and the business card to my Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: New US Mint Coin Deal on 8/12 ($60+ Net Profit, August 2021 #3)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Another new coin deal on Thursday, August 12th, 2021. PFS Buyers Club has another coin deal on a limited-edition 2021 American Eagle Silver Coin. They will pay you a guaranteed fixed profit of $61 plus any credit card rewards. See details below.

Tomorrow! August 12th, at 12:00PM ET, the US Mint will be releasing a limited edition American Eagle Silver Coin. There is a purchase limit of three coins per household, so you’re able to buy three coins. The cost of each Silver Eagle coin is $73.00, and when adding the $4.95 shipping charge, each order will total $223.95. PFS will be offering a commission of $61.05 for each order for a total payout of $285.00.

If you are new to this type of deal please the previous similar (but expired!) deal for more background information and answers to most common questions. I have now done multiple deals with them and been paid as promised with no issues.

If you want to jump on this, you can sign up to join PFS Buyers Club here. PFS will provide *very* detailed instructions. Read them ahead of time, and follow them carefully to help you buy the coin before it sells out. If you use that link as a first-time buyer, I will receive a referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it in the past. I will be opting in myself as well.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Bank of America Amtrak Guest Rewards Card Review: 50,000 Points (Up to $1,250 in Amtrak Fare)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you up to $1,250 value in Amtrak train fare. According to DoC, if you start a booking on Amtrak.com, they will offer you an extra $100 statement credit before actual payment. Here are the highlights:

  • 50,000 bonus points (plus possibly an additional $100 statement credit) after you make $2,500 or more in purchases on your new card within 90 days of account opening. This is their highest bonus ever.
  • Complimentary Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass for access to ClubAcela, Amtrak Metropolitan Lounge, or First class lounges upon account opening.
  • 3 points per $1 spent with Amtrak
  • 2 points per $1 spent on other qualifying travel purchases
  • 1 point per $1 spent on all other purchases
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
  • 20% rebate on food and beverage purchases on board, via statement credit on this card.
  • 1,000 Tier Qualifying Points (TQPs) every time you make at least $5,000 in purchases in a calendar year, up to 4,000 TQPs
  • There’s no limit to how many points you can earn and you can redeem them when you want since your points will not expire as long as your card account is open.
  • No foreign transaction fees.
  • $79 annual fee.

This offer is not going to be attractive for everyone, but it can be very valuable if you either enjoy recreational train travel or if you can use it for your commuting needs.

Amtrak points are worth about 2.6 to 2.9 cents per points towards Amtrak train fare. That means 50,000 points is worth over $1,250 in Amtrak train fare. Amtrak redemptions are variable and directly-linked to the cash cost, so you can use points on basically any ticket.

The best value is for train fare, but Amtrak points do transfer to certain other hotel programs, although some require elite status in those programs. You can also redeem for various gift cards at a rate of 10,000 points = $100 gift card. So 50,000 points would get you $500 in gift cards to CVS, Kohl’s, Lowe’s, Starbucks, etc.

You could take the train across the entire country! There is an 18-hour Capitol Limited overnight train from Washington D.C. to Chicago in a “Superliner Bedroom” with a private bathroom.

You could then take the 3-day, 2-night trip on the California Zephyr from Chicago to San Francisco. Enjoy the views as you cut through both the Rockies and Sierra Nevada mountain ranges.

Bottom line. The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,250 value in Amtrak train fare, with an $79 annual fee. The potential value is high, but I don’t know if it is too niche to include in my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: New US Mint Coin Deal ($150+ Net Profit, August 2021 #2)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Another new coin deal on Tuesday, August 10th, 2021. PFS Buyers Club has another coin deal on two limited edition Silver Dollars (Morgan and Peace). See details below.

Background (skip if already familiar). The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per household, but later often end up selling for more than the initial cost (similar to concert tickets or limited-edition Nike shoe drops) PFS Buyers Club is a coin broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell it directly to PFS Buyers Club.

Deal details: On Tuesday, August 10th at 12:00 pm Noon Eastern Time, there is a new fixed profit opportunity. Two limited edition Morgan Silver Dollars are being released, with each one having a purchase limit of three per household (2 coins x 3 sets of each = 6 coins max). The cost of each Silver Dollar is $85.00, times six coins plus $4.95 shipping charge, for a total of $514.95.

Total net profit opportunity of $155+. PFS will pay you a fixed commission of $145.05 for a full 6-coin order, on top of your cost for the set. ($660 total.) You’ll also earn credit card rewards on your ~$500 purchase (worth another ~$10 here at 2% cash back), or also possibly satisfying the requirements for some $500+ value credit card bonuses. This makes the net profit at least $150+.

In addition, this is the third coin deal from PFS regarding Morgan Silver Dollars. If you complete all three with them, they will add on an extra $100 cash bonus.

I have had reports of the Fidelity 2% back card not awarding points on US Mint purchases. I have used a BofA card (earning an effective 2.6% back with Preferred Rewards) without issue. AmEx says they don’t award points for bullion and precious metal, but in my experience US Mint purchases are not coded as bullion or precious metal. You may still choose to avoid them to be safe.

Note that the eventual value of the set may exceed that elsewhere – you may be able to get more on eBay, for example – but if you want to make that bet, don’t promise to sell to PFS Buyers Club. Just buy it on your own and try to sell it yourself. Keep in mind that eBay seller fees can be 10% of the selling price, you run the risk of the buyer claiming you sent them a box of pennies, and you’ll be responsible for other costs like the proper shipping with adequate insurance. The PFS Buyers Club price includes a free prepaid mailing label (including insurance) and they will pay you via eCheck (no fees), paper check, or PayPal.

Here are the two coins for this deal: Morgan 2021 Silver Dollar and Peace 2021 Silver Dollar.

Note: This coin is not expected to ship until October, but they also won’t charge your card until October. But be around that you’ll need to be around to receive the package and then drop it off at FedEx.

My past experience. I used PFS back in March for the first time and in July most recently, and everything went smoothly and I was paid my money in full without issue. The amount of communication was great and better than expected; I was kept up-to-date every step of the way. The total time commitment was about an hour total (30 minutes each deal) for $700+ profit, including the stop at the Fedex store to drop off the box with prepaid label. The eCheck option worked great – I printed the check out at home and deposited immediately via mobile app. PFS has a very solid reputation online, and I referred several blog readers last time and did not receive a single complaint. The primary issue is that the coins usually sell out quick, so you have to be fast.

If you want to jump on this, you can sign up to join PFS Buyers Club here. Sometimes these deals fill up, so I would sign-up and opt-in sooner rather than later. You can still opt out of the deal until an hour prior to the coins going on sale. PFS will provide *very* detailed instructions. Read them ahead of time, and follow them carefully to help you buy the coin before it sells out. If you use that link as a first-time buyer, I will receive a referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it in the past. I will be opting in myself as well.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

M1 Finance Owner’s Rewards Credit Card Review: How to Maximize Up to 10% Cash Back

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

M1 Finance has been teasing their “10% cash back for investors” credit card for a while, and they finally released (nearly?) all of the details. First, know that you need to subscribe to their premium M1 Plus service, which adds a bundle of upgraded services for $125 a year. This card has no annual fee and will initially only be available to apply if you have M1 Plus. I believe that all M1 customers can get their first year of M1 Plus for free.

The M1 Finance Owner’s Rewards card has three boosted cash back tiers: 10% cash back, 5% cash back, and 2.5% cash back. You get 1.5% cash back on everything else. The unique requirement here is that you need to actually “own” at least some partial shares of each company in order to enjoy the cash back from that company.

Must own securities in a qualified M1 investment account as explained in M1’s Owner’s Rewards Terms & Conditions to be eligible for 2.5%, 5%, & 10% categories. Trust and custodial accounts are not eligible investment accounts. These terms will be available once the card application is accessible, and the terms and companies listed are subject to change. Securities shown should not be considered trade recommendations. You should assess your own investment risks prior to purchasing any securities shown.

Here are all of the brands (ticker symbol):

10% Cash Back Brands (16)

  • Adobe (ADBE)
  • AMC (AMC)
  • Chewy (CHWY)
  • Dropbox (DBX)
  • Gamestop (GME)
  • Bath & Body Works (BBWI)
  • Victoria’s Secret (VSCO)
  • Lululemon (LULU)
  • Netflix (NFLX)
  • Purple (PRPL)
  • Peloton (PTON)
  • Stitch Fix (SFIX)
  • Spotify (SPOT)
  • Tesla (TSLA)
  • Ulta Beauty (ULTA)
  • Wayfair (W)

(Tesla 10% cash back note: My research indicates that you can put the $1,000 initial ordering fee (basically down payment) for a new Tesla on a credit card, but nothing else after that. Possibly also future repairs and maintenance costs? Some people have indicated that they charged the $10,000 “full self driving” (FSD) fee on a credit card when they added it as a separate charge after purchasing the car. Others have said this option is no longer available, so I would check with Tesla directly first. I’m also not sure if M1 will give you a $10,000 credit line.)

5% Cash Back Brands (14)

  • American Airlines (AAL)
  • Chipotle (CMG)
  • Delta Airlines (DAL)
  • Dollar General (DG)
  • Domino’s Pizza (DPZ)
  • Etsy (ETSY)
  • Reverb (ETSY)
  • Fedex Kinko’s (FDX)
  • JetBlue Airways (JBLU)
  • Southwest Airlines (LUV)
  • Converse (NKE)
  • Nike (NKE)
  • Starbucks (SBUX)
  • Home Goods (TJX)
  • HomeSense (TJX)
  • Marshall’s (TJX)
  • Sierra (TJX)
  • TJ Maxx (TJX)
  • United Airlines (UAL)
  • UPS (UPS)

2.5% Cash Back Brands (21)

  • Apple (AAPL)
  • Airbnb (ABNB)
  • Amazon (AMZN)
  • Audible (AMZN)
  • Twitch (AMZN)
  • Whole Foods (AMZN)
  • Zappos (AMZN)
  • Best Buy (BBY)
  • Comcast (CMCSA)
  • Costco (COST)
  • Caviar (DASH)
  • Doordash (DASH)
  • Ebay (EBAY)
  • Home Depot (HD)
  • Lowe’s (LOW)
  • Lyft (LYFT)
  • McDonald’s (MCD)
  • Burger King (QSR)
  • Popeyes (QSR)
  • Tim Hortons (QSR)
  • Burger King (QSR)
  • AT&T (T)
  • DirecTV (T)
  • HBO (T)
  • AT&T (T)
  • Target (TGT)
  • Sprint (TMUS)
  • T-Mobile USA (TMUS)
  • Postmates (UBER)
  • Uber (UBER)
  • Uber Eats (UBER)
  • Verizon Wireless (VZ)
  • Duane Reade (WBA)
  • Walgreen’s (WBA)
  • Bonobos (WMT)
  • Moosejaw (WMT)
  • Sam’s Club (WMT)
  • KFC (YUM)
  • Pizza Hut (YUM)
  • Taco Bell (YUM)

At first, I thought this would be kind of cool, but after compiling this long list with only a limited number at the full 10% cash back, it just feels too complicated. My spending habits don’t necessarily align with my investing habits. Is a few dollars in extra credit card rewards worth changing up my entire investment policy? What if I just want to get 2.5% cash back from Costco, 10% cash back from Adobe, and so on without changing a potentially large portfolio? Let’s look at the rules:

  • You can open up to 5 accounts under one M1 Finance login. This can be any combination of individual taxable accounts, retirement accounts and trust accounts. (Trust accounts are not eligible for this cash back program.)
  • Each slice in a pie has to be allocated at least 1%.
  • The target percentages of all the slices add up to 100%.
  • Any buy order must equal a minimum of $1.00 per security before a trade will be executed.
  • If you open using a referral link, right now you just need to deposit $100 into an individual taxable account and leave it there for 30 days, and you’ll get a $50 bonus.

Therefore, here is a minimal-hassle strategy to qualify for ALL of these cash back brands:

  • If you don’t have an M1 account yet, open using a $50 bonus referral link and plan to deposit at least $100.
  • If you already have an M1 account, but don’t want to alter your existing pie, open a second, separate taxable account under the same login, with the plan to deposit $100 all at once.
  • Create a separate, new “pie” asset allocation using all of the brands you possibly might purchase from above. Each brand must be at least 1% each, and the total must add up to 100%. This should be easy, as I counted only 51 total stocks.
  • Deposit $100 all at once, creating one trade with a least $1 for each company. You’ll now be an “owner” of all the companies, and thus get the cash back for each company. Just keep the account open with this small amount. Invest your other funds as you did previously.
  • If M1 changes up the companies at a later time, you might have to adjust your pie and add some more money to rebalance. In all likelihood, this group of stocks will still grow over time, even if it doesn’t track exactly with the rest of your investments.

If your total purchases at those 10% and 5% categories are significant, then it may be worth the effort. I’m sure there are some folks out there are dropping hundreds of dollars when you add up the monthly bills from Chewy, Netflix, Spotify, Peloton, Lululemon, etc. I think the only places that I’ve shopped from on the 10% list recently is Netflix, and I get 6% cash back on all my streaming from my AmEx Blue Cash Preferred.

Another question is if the addition of this card makes all the M1 Plus perks now worth the $125 per year. For example, their checking account pays a higher 1% APY with M1 Plus and you get some lower 2% APR margin interest rates. I don’t know if the incremental improvement works out for my personal situation. I already get higher bank interest rates elsewhere, and I can already get an effective 2.6% cash back on everything with my BofA relationship card, so only the 5% and 10% categories would be of additional benefit.

I have an M1 Finance account and I like their base product a lot as a DIY investor. I like that they are adding features to their paid M1 Plus tier, which in turn helps keep my base tier free. However, this credit card just seems a bit too gimmicky for me. Maybe I’m wrong, and gaining access to all of these little boosts will end up adding up to something significant. For example, given how much I drop at Costco, that 2.5% cash back from Costco would be attractive if the best I could do otherwise was 2% or less.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: New US Mint Coin Deal (Now $155+ Net Profit, August 2021)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

(Updated: The commission has increased to $145.05, a $60 increase from the initial offer.)

Another new coin deal August 3rd, 2021. PFS Buyers Club has another coin deal on two limited edition Morgan Silver Dollars. See details below.

Background (skip if already familiar). The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited by household, but end up worth more than the initial cost. PFS Buyers Club is a website broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell it directly to PFS Buyers Club. For example, you might pay $300 for a coin and they’ll agree to pay you $350 for it (including prepaid mailing label) – a fixed profit of $50.

I believe the closest analogy is to other collectibles like limited-edition Nike shoe drops. The US Mint benefits from the scarcity, and can continue to sell these collectibles at a profit far above the minting cost.

Deal details: On Tuesday, August 3rd at 12:00 pm Noon Eastern Time, there is a new fixed profit opportunity. Two limited edition Morgan Silver Dollars are being released, with each one having a purchase limit of three per household (2 coins x 3 sets of each = 6 coins max). The cost of each Silver Dollar is $85.00, times six coins plus $4.95 shipping charge, for a total of $514.95.

Total net profit opportunity of $155+. PFS will pay you a fixed commission of $85.05 now $145.05 for a full 6-coin order, on top of your cost for the set. ($660 total.) You’ll also earn credit card rewards on your ~$500 purchase (worth another ~$10 here at 2% cash back), or also possibly satisfying the requirements for some $500+ value credit card bonuses. This makes the net profit at least $155.

I have had reports of the Fidelity 2% back card not awarding points on US Mint purchases. I have used a BofA card (earning an effective 2.6% back with Preferred Rewards) without issue. AmEx says they don’t award points for bullion and precious metal, but in my experience US Mint purchases are not coded as bullion or precious metal. You may still choose to avoid them to be safe.

Note that the eventual value of the set may exceed that elsewhere – you may be able to get more on eBay, for example – but if you want to make that bet, don’t promise to sell to PFS Buyers Club. Just buy it on your own and try to sell it yourself. Keep in mind that eBay seller fees can be quite high, you run the risk of the buyer claiming you sent them a box of pennies, and you’ll be responsible for other costs like the proper shipping with adequate insurance. The PFS Buyers Club price includes a free prepaid mailing label (including insurance) and they will pay you via eCheck (no fees), paper check, or PayPal.

Here are the two coins: Morgan 2021 Silver Dollar w/ D Mark and Morgan 2021 Silver Dollar w/ S Mark. In May, they offered the Morgan coins with the O and CC Mint marks.

Note: This coin is not expected to ship until October, but they also won’t charge your card until October. But be around that you’ll need to be around to receive the package and then drop it off at FedEx.

My past experience. I used PFS back in March for the first time, and everything went smoothly and I was paid my money in full without issue. The amount of communication was great and better than expected; I was kept up-to-date every step of the way. The total time commitment was about 30 minutes for $400+ profit, including the stop at the Fedex store to drop off the box with prepaid label. The eCheck option worked great – I printed the check out at home and deposited immediately via mobile app. PFS has a very solid reputation online, and I referred several blog readers last time and did not receive a single complaint. The primary issue is that the coins usually sell out quick, so you have to be fast.

If you want to jump on this, you can sign up to join PFS Buyers Club here. Sometimes these deals fill up, so I would sign-up and opt-in sooner rather than later. You can still opt out of the deal until an hour prior to the coins going on sale. PFS will provide *very* detailed instructions. Read them ahead of time, and follow them carefully to help you buy the coin before it sells out. If you use that link as a first-time buyer, I will receive a referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it in the past. I will be opting in myself as well.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: New US Mint Coin Arbitrage Opportunity ($300+ Net Profit, July 2021)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New deal July 29th, 2021. The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per household, but end up worth more than the initial cost. PFS Buyers Club is a website broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell only to PFS Buyers Club. For example, you might pay $300 for a coin and they’ll agree to pay you $350 for it – a fixed profit of $50.

On Thursday, July 29th at 12:00 pm Noon Eastern Time, there is a new guaranteed profit opportunity. A limited edition American Eagle Four-Coin Set will be released then, with a purchase limit of one per household. The cost of the Four-Coin Set should be either $4,962.50 or $5,055.00 (depends on the spot price of Gold on 7/28). Shipping will cost $4.95.

PFS will pay you a fixed commission of $200.05 for each Four-Coin Set, on top of your cost for the set.

You’ll also earn credit card rewards on your ~$5,000 purchase (worth another ~$100 here at 2% cash back), or also possibly satisfying the requirements for some $500+ value credit card bonuses. This makes the total net profit safely over $300.

Note that the eventual value of the set may exceed that elsewhere – you may be able to get more than $200 extra for each coin on eBay, for example – but if you want to make that bet, don’t promise to sell to PFS Buyers Club. Just buy it on your own and try to sell it yourself. Keep in mind that eBay seller fees can be quite high, and you’ll be responsible for other costs like the proper shipping with adequate insurance. PFS Buyers Club will send you a free prepaid mailing label (including insurance) and pay you via eCheck, paper check, or PayPal.

My past experience. I used PFS back in March for the first time, and everything went smoothly and I was paid my money in full without issue. The amount of communication was great and better than expected; I was kept up-to-date every step of the way. The total time commitment was about 30 minutes for $400+ profit, including the stop at the Fedex store to drop off the box with prepaid label. The eCheck option worked great – I printed the check out at home and deposited immediately via mobile app. PFS has a very solid reputation online, and I referred several blog readers last time and did not receive a single complaint. (Some folks were unable to buy the coins from the US Mint before it went out of stock.)

Here is the product page: American Eagle 2021 Gold Proof Four-Coin Set. Here is a direct quote of the deal text:

On July 29th – at 12:00PM ET, the US Mint will be releasing a limited edition American Eagle Four-Coin Set. The set has a purchase limit of one per household, so you’re able to buy one set.

The cost of the Four-Coin Set should be either $4,962.50 or $5,055.00. (The Mint will only be releasing the exact price for these products on Wednesday the 28th, and it will depend on the spot price of Gold over the day.)

Each purchase will also have a $4.95 shipping charge.

You will have each order shipped to your own house or office and then ship it to PFS Buyers Club with a prepaid shipping label that we will provide for you.

PFS will be offering a commission of $200.05 for each Four-Coin Set.

This is also a great opportunity to earn valuable points/miles on your credit cards, as well as meet any spending thresholds.

If you want to jump on this, you can sign up to join PFS Buyers Club here. Sometimes these deals fill up, so I would sign-up and opt-in sooner rather than later. You can still opt out of the deal until an hour prior to the coins going on sale. They will provide very detailed instructions. Follow them carefully, and it was pretty easy for me as a first-time buyer. If you use that link, I will receive a referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it last time! I will be opting in myself as well.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.