This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

I posted a couple of weeks ago that I was “out of miles and points”.  Of course I’m not really out of miles and points, but some of the accounts that I like to see with relatively healthy balances are looking pretty sickly after doing lots of award bookings before the Hyatt and United award charts change(d).  I have been super busy the last few months, and had gotten a bit lazy on some of the ways to earn miles and points, and it was time to get off my lazy tail and work a little harder at this hobby.

I am in the middle of refinancing our house, so I’m holding off on any new credit card applications until that is done (though all the ones we have on our credit reports have been a total non-issue thus far, and our credit scores were still in the highest category for the best interest rates).  However, I can make the cards I already have work harder for me.  Today that took the form of working harder to hunt down Vanilla Reloads that can be purchased with a rewards earning credit card, and then applied to my Bluebird® by American Express where I can use then use the funds loaded to pay bills, send checks to people, etc.  If you have no idea what I am talking about, I recommend Googling “Bluebird and Vanilla Reloads” for lots of good basic info on how this process works.  This Flyertalk thread can also be very helpful if this method of points earning sounds interesting to you.

This is not something I recommend for those brand new to the hobby, but it is a good intermediate step for many.  There are those that take this and similar concepts to an “expert” level, but that will never be me.  I’m too boring and too busy for that, but I do need to earn some more points, so I’m putting my toes back in the water.  I also think the risk of raising any red flags is dramatically reduced if you stay in the shallow end of the pool on this one.

20140117-104906.jpg

This method of earning points works best when you can buy a Vanilla Reload card at a store where you earn a category bonus on one of your cards, though the reloads can be pretty hard to find, so sometimes you just take what you can get.  It can also be very helpful when you are trying to hit a spending bonus on a credit card to trigger a sign-up bonus or annual spending bonus.  Today my goal was to find a reload at a gas station, as I had a card that is paying a nice bonus on gas stations purchases.  The first gas station I went to was all sold out of the cards, which can be a pretty common occurrence.  Finding stores that sell them, but won’t accept credit cards to purchase them can also be a very common occurrence.

However, I kept trying and the second gas station I went to was happy to sell me some gas and a nice side of a plastic white card loaded with $500, paid for with my handy credit card that earned me a nice chunk of valuable points.  I am actually only out the $3.95 that the Vanilla Reload cost (and the 10 minutes it took me to go to two gas stations) as I will use the money I loaded from the reload onto my Amex Bluebird to pay bills.    I also had success at a popular three letter named drugstore that had previously not had reloads in stock for what seemed like forever.  That purchase did trigger a fraud alert on my credit card that was resolved by simply clicking in my email that it was a valid transaction.  I have recently had to verify many more purchases in that manner, so it was not a big deal at all.

20140117-104813.jpg

I had gotten lazy on this method of earning points, in large part because I had a couple strike-outs in a row where the stores did not have the cards in-stock.  I’m glad I started trying harder, as it resulted in earning some pretty easy miles and points today.  Are you doing similar things to get your point balances back up?

 

Disclosure: I do receive a commission if you use my affiliate links.  As always, thanks for your support.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.