Ormore!
Big Scores        Credit         card       churning           Mega                        shopping                       ...
First, a moment of silence…
The Original 5X Everywhere        “One Card to Rule them All”
Then came Bluebird         5X everywhere + Bill Pay!
Another moment of silence…
5XEverywhere Lives On
Vanilla Visa & Merchant Gift cards
Vanilla Visa + Target
Vanilla Visa + Vanilla Reload
Hilton Amex + Vanilla Reload                 6X
Forward 5X
5X Options ComparedOption           Cost to load   Fee %   ATM?   Bill Pay?                 $500Vanilla Visa     $4.95    ...
How big is  this?
Living 1XConsider these example annual expenses:• $20K credit card spend• $25K checks and bank transfers• $5K ATM withdraw...
Category Bonuses                                                 6X      5X                                     groceries,...
5X : Vanilla Visa & merchant gift cardsAverage ~5XAnnual cost depends on gift cards used: ~$120Points per year earned:    ...
5X: Vanilla Visa + TargetAverage 5X across all credit and cash expensesAnnual cost: ~$325Points per year earned:      $25K...
5X: ForwardAverage 5X across all credit and cash expensesAnnual cost: ~$200Points per year earned:      $25K spend X 5 = 1...
5X: Vanilla Visa + Vanilla ReloadAverage 5X across all expensesAnnual cost: $890Points per year earned:        $50K spend ...
6X: Hilton Amex + Vanilla ReloadAverage 6X across all expensesAnnual cost: $395Points per year earned:        $50K spend X...
Beyond 5X
Beyond 5X Everywhere• Pay all credit charges with best credit card  • $20K X 3 = 60K points• Pay all bills (including cred...
Life Beyond 5XOnce a week:• [Go to Office Depot, buy two $500 Vanilla Visa cards]• Go to drug store, buy two Vanilla Reloa...
Comparing TechniquesTechnique                    Points    Cost   Cost per   Pain                            Earned       ...
A moving target                           CVS         Office         Depot                  Wal-                  greens
Use Caution
Questions?
Reload Cards
Paying Federal Taxes
Federal Taxes, Two Good OptionsFor example, assume $20K in taxes…• Pay with mile earning debit card (e.g. SunTrust Delta  ...
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5X Everywhere

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Frequent Miler presentation at 2012 LA FTU.

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  • Assume 25 $500 Visas @ $4.95 = $123.50
  • 50 $500 Visas at $4.95 = $247.5025 Target loads at $3 = $75Total: $322.50
  • 50 loads at $3.95 = $197
  • 100 $500 Visa or Amex cards @ $4.95 each = $495100 $500 Vanilla Reload cards @ $3.95 each = $395
  • 100 $500 Vanilla Reload cards @ $3.95 each = $395
  • More than 15 times more than 1X scenario!100 $500 Visa or Amex cards @ $4.95 each = $495100 $500 Vanilla Reload cards @ $3.95 each = $395
  • $4.95 per Visa + $3.95 per debit transaction = $8.90 per payment40 payments = $356
  • 5X Everywhere

    1. 1. Ormore!
    2. 2. Big Scores Credit card churning Mega shopping deals Category bonuses
    3. 3. First, a moment of silence…
    4. 4. The Original 5X Everywhere “One Card to Rule them All”
    5. 5. Then came Bluebird 5X everywhere + Bill Pay!
    6. 6. Another moment of silence…
    7. 7. 5XEverywhere Lives On
    8. 8. Vanilla Visa & Merchant Gift cards
    9. 9. Vanilla Visa + Target
    10. 10. Vanilla Visa + Vanilla Reload
    11. 11. Hilton Amex + Vanilla Reload 6X
    12. 12. Forward 5X
    13. 13. 5X Options ComparedOption Cost to load Fee % ATM? Bill Pay? $500Vanilla Visa $4.95 .99 No NoVanilla Visa + $6.45 1.29 Yes NoTargetVanilla Visa + $8.90 1.78 Yes YesVanilla ReloadHilton Amex + $3.95 .79 Yes YesVanilla ReloadForward 5X $3.95 .79 Yes No
    14. 14. How big is this?
    15. 15. Living 1XConsider these example annual expenses:• $20K credit card spend• $25K checks and bank transfers• $5K ATM withdrawalsPoints per year earned from typical credit card: $20K spend X 1 = 20,000 points
    16. 16. Category Bonuses 6X 5X groceries, telecom, gas, drug cable, stores internet,office supply 2X 5X Travel, restaurants,(restaurants) bookstores, movies Average ~3X Points per year earned: $20K spend X 3 = 60,000 points
    17. 17. 5X : Vanilla Visa & merchant gift cardsAverage ~5XAnnual cost depends on gift cards used: ~$120Points per year earned: $20K spend X 5 = 100,000 points (or 88,000 for free)
    18. 18. 5X: Vanilla Visa + TargetAverage 5X across all credit and cash expensesAnnual cost: ~$325Points per year earned: $25K spend X 5 = 125,000 points (or 92,500 for free)
    19. 19. 5X: ForwardAverage 5X across all credit and cash expensesAnnual cost: ~$200Points per year earned: $25K spend X 5 = 125,000 points* (or 105,000 for free)* $1K limit may be a deal breaker
    20. 20. 5X: Vanilla Visa + Vanilla ReloadAverage 5X across all expensesAnnual cost: $890Points per year earned: $50K spend X 5 = 250,000 points (or 161,000 for free)
    21. 21. 6X: Hilton Amex + Vanilla ReloadAverage 6X across all expensesAnnual cost: $395Points per year earned: $50K spend X 6 = 300,000 points (but, points are not as valuable)
    22. 22. Beyond 5X
    23. 23. Beyond 5X Everywhere• Pay all credit charges with best credit card • $20K X 3 = 60K points• Pay all bills (including credit card bills) & ATM with Bluebird • $50K X 5 = 250K pointsAnnual cost: $890Points per year earned: 310,000 (or 221,000 for free)
    24. 24. Life Beyond 5XOnce a week:• [Go to Office Depot, buy two $500 Vanilla Visa cards]• Go to drug store, buy two Vanilla Reload cards• Go home, load Vanilla Reload cards to Bluebird• Use Bluebird to pay bills & transfer money to checkingAs needed:• Use best credit card for purchases• Use Bluebird for ATM
    25. 25. Comparing TechniquesTechnique Points Cost Cost per Pain Earned Point1X 20K $0 $0 NoneCategory Bonuses ~3X 60K $0 $0 LowVanilla Visa + Gift Cards 100K ~$120 $0.0012 HighForward B&N 125K ~$200 $0.0016 MediumVanilla Visa + Target 125K ~$320 $0.0026 HighVanilla Visa + Vanilla 250K $890 $0.0036 HighReloadHilton + Vanilla Reload 300K $395 $0.0013 MediumBeyond 5X 310K $890 $0.0029 High
    26. 26. A moving target CVS Office Depot Wal- greens
    27. 27. Use Caution
    28. 28. Questions?
    29. 29. Reload Cards
    30. 30. Paying Federal Taxes
    31. 31. Federal Taxes, Two Good OptionsFor example, assume $20K in taxes…• Pay with mile earning debit card (e.g. SunTrust Delta card): • Earn 1 mile per dollar • Cost = $3.49 • Miles earned = 20,000• Pay with gift cards: • Buy 40 $500 Visa cards at 5X • Call Official Payments and use cards as debit cards • Cost = $356 • Miles earned = 100,000 (or 64,400 free)
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