
Frequent Miler
Chase “Pay Yourself Back” Complete Guide (updated categories and rates)
Chase has been steadily hacking away at the value of its Pay Yourself Back (PYB) Program, whittling down both categories and redemption rates on Ultimate Rewards (UR)-earning cards. At the same time, it has added Pay Yourself Back options for Southwest, Aeroplan, United, and Disney cards, as well as the...

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What Counts as a Utility Payment for Discover’s 5% Cash Back?
I recently tested several utility payments with my Discover It to see what would actually qualify for the Q4 5% cash back category. My $5 test purchases with Recology (trash), WD (water), and PG&E (gas/electric) all coded as utilities and earned 5% cash back. I also discovered that I can...

Frequent Miler
Chase Sapphire Preferred® to Chase Sapphire Reserve® 75K upgrade offer (targeted)
At the end of last year, Chase released a fairly mediocre offer for Chase Sapphire Preferred® cardholders to upgrade to the Chase Sapphire Reserve®, offering 25,000 Ultimate Rewards points for upgrading their Sapphire Preferred to a Reserve and spending $3,000 on the card. Upgrade offers are coming around again, but this...

Frequent Miler
Rakuten offering up to $375 / 37,500 Bilt points on select Bank of America credit cards
Update 10/8/26: Bank of America has added the Premium Rewards card to Rakuten and is offering an incredible $375 bonus if you click through the portal and are approved. That’s in addition to the 60,000 rewards points that you’ll get from the card itself after you meet the minimum spending requirement,...

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Add Authorized User to Barclays Hawaiian Airlines Credit Card to Earn 10x Bonus Atmos Points on $500 Spend
Barclays is targeting some Hawaiian Airlines cardholders with an offer to earn up to 5,000 additional Atmos Rewards points by adding an authorized user and having them spend $500. I received the offer, and so did Laura, but adding an authorized user could potentially affect your Chase 5/24 status.
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