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Capital One Spark Miles Business Credit Card Application Process & Welcome Documents

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Good afternoon everyone, I hope your weekend is off to a great start.  2 weeks ago I applied for the Capital One Spark Miles Business Credit Card.  I haven’t had a personal or business Capital One credit card in many years (despite submitting a few credit card applications over the years).  I decided to give Capital One another chance since they recently improved the transfer ratios to almost all of their transfer partners to 1:1 (1,000 Capital One Miles = 1,000 airline miles).  This time, my Capital One application was instantly approved!  In this post, I will share details of the application process and the welcome documents I received from Capital One.

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Should You Upgrade to the US Bank Altitude Go Credit Card?

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Good afternoon everyone, I hope your week is going well.  I just received this email from US Bank letting me know that I could upgrade my US Bank Cash Plus Credit Card to the US Bank Altitude Go Credit Card.  You might get a targeted email like the one below, but if you do not, you can always call the phone number on the back of your US Bank Cash Plus and ask to product change to the US Bank Altitude Go.  Let’s see if the upgrade makes sense.

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5 Buy Miles / Points Promos Ending Soon: IHG (100%), Air Canada (80%), Radisson Hotels Americas (100%), Marriott (55%) & Avianca (140%)

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Good afternoon everyone, happy Friday!  I was working on my Buy Miles & Points Page and found 5 offers that end in the next week.  Always check the math to make sure that buying miles & points makes sense for you.  Do not buy miles & points speculatively unless you have a use in mind.  With that said, here are 5 offers that end soon.  Up first, IHG Hotels is offering up to a 100% bonus, depending on the number of IHG Rewards Club Points you purchase.  This offer expires today – October 8.

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Get 1 Year UPS My Choice Premium Membership for $10 (Code UPSMyChoice10) (Targeted?)

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Good afternoon everyone, I hope your week is going well.  I just received this email from UPS regarding the 10th anniversary of UPS My Choice.  If you are not familiar with UPS My Choice, you can upgrade UPS SurePost packages from USPS to UPS Ground, you can redirect UPS packages to a local UPS Access Point (like a UPS Store), you can reschedule UPS deliveries, and reroute UPS packages for free.  Most of those UPS services cost $5-$6 per package, so this is a great deal to get unlimited services for $10 for an entire year.

Along with the email, there is a promo code (UPSMyChoice10) that you can use to get a UPS My Choice premium membership for only $10 for the first year (50% off the normal price).  You will need to click here, sign into your UPS account, and go through the UPS My Choice checkout / setup process to use the promo code.

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American Express Changes: No Cash Advance Fee for Precious Metal Coins, Bullion, and Digital Precious Metals Products

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Good evening everyone, I hope your weekend is going well.  I was just reviewing my recent American Express statements and saw a few changes regarding cash advance fees, earning bonus points on meal-kit delivery services, losing points when you close an account, late payment fees and the Centurion Lounge Guest Access Policy.  The most interesting change is regarding cash advance fees.  Effective October 1, 2021 (aka now), “precious metal coins or bullion and digital precious metals products” are no longer considered as a cash advance, so those purchases should earn points, miles, and cash back.  This is great news if you buy coins from the US Mint (to keep or resell).  As you might remember, American Express added precious metal coins or bullion and digital precious metals products to their definition of cash advance effective January 15, 2021.  It is good to see American Express changing their mind regarding precious metal coins and bullion.

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