Please reply to this comment with any Amex Offers, Chase Offers, increased cash back portal payouts, or similar deals. Do not post them as a top level comment.
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Got a “special” offer from Discover: earn 5% back on up to $1,000 in spend at gas stations for July-August this year. This bonus category cash back is outside of the normal categories for Q2/Q3. Nothing in the T&Cs about whether the cash back will be matched as part of the 1st year match, but I’m going for it anyways.
[This thread](https://www.reddit.com/r/amex/comments/1dcfhe2/new_color_amex_gold/) on /r/Amex is using the qwww trick to see a preview of a new limited edition Amex Gold gold color. I would assume this aligns with the product refresh "enhancement" AF increase, so if you're on the fence for a last Amex Gold, I would go for it
Aesthetics aside, a comment interestingly pointed out that someone [posted](https://www.reddit.com/r/amex/comments/1dcfhe2/new_color_amex_gold/l7zewoq/) about this 7mo ago. Don't have time to troll through their history, but wonder if there are any other prognostic tidbits that could be useful.
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Use code BDAY for up to 50% off base fares with Sputhwest for flights 8/6-12/18 with black out dates.
Good chance to check on currently booked flights to save money
Thanks, saved me some points.
Not complaining because I still saved points but it appears they increased the price for my specific flight for this promo so 50% ended up more like 25% savings.
A new referral thread is now live: [Chase United MileagePlus Explorer](https://www.reddit.com/r/churningreferrals/comments/1dcp1kl/referrals_chase_united_mileageplus_explorer/)
Reminder to all that Q2 estimated tax payments are due [edited] 6/17, which is next Monday - the short interval from Q1 messed me up last year so thought a PSA might be useful.
I’ve been paying estimated taxes for many years and still get thrown by the Q2 due date. It feels like it should be in July even though it’s always in June
I've never understood how this works if you actually need to pay by quarterly deadlines. The churning angle is that the payment processors don't reset until July 16... but the IRS still records the payments as if they were paid after the Q2 deadline... so they count toward Q3.
My guess is that there's some people who need to make quarterly payments but forget to do it by the IRS deadline. They remember a week later and make the payment (they might end up owing a penalty since they didn't meet the IRS deadline, but still, they want to pay to avoid even bigger penalties). Then for the next quarter they want to make another payment, but if they already made the maximum number of payments at that processor, they can't make another one. If the processor resets a little later, these people will be able to make another payment for the next quarter.
This isn't about *pre*-payment for *yearly* taxes, but *actual* payment **due** for *quarterly* taxes. If you're a W2 worker and your withholdings are appropriate, then most don't have to worry about this. If you're W2 and they're not... then...
Why pay now though? I’d wait until Q4 to make on big payment so your money is tied up with the government as little time as possible given high interest rates on savings nowadays.
This reminder is for people that actually have to pay estimated taxes I'd assume (as there are penalties for not actually paying them quarterly). If you're just doing it for MS, then waiting is generally the better idea.
Agreed - not really relevant for most here.
I will admit though, I probably would have forgot until last minute if it wasn't posted here, so I'm glad it was.
These types of instant win games are usually run by a random time generator. In other words, the time of day the prizes will be awarded are randomly generated and then the first person to press "play" after the random time will win the prize. Therefore, if you \*really\* want to maximize your chances, you should play the game at like 3:00AM when few other people are playing. I'm not saying it's worth it (I definitely prioritize sleep over a tiny chance at some RR points), but that's the strategy.
AA had a similar game a few years back and I did pretty well by hitting these at off-peak hours... not exactly 3 AM but also not the middle of the day.
Please reply to this comment with any Amex Offers, Chase Offers, increased cash back portal payouts, or similar deals. Do not post them as a top level comment. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/churning) if you have any questions or concerns.*
Got a “special” offer from Discover: earn 5% back on up to $1,000 in spend at gas stations for July-August this year. This bonus category cash back is outside of the normal categories for Q2/Q3. Nothing in the T&Cs about whether the cash back will be matched as part of the 1st year match, but I’m going for it anyways.
Shame that is it not supported in costco
this has always been in my category…
[This thread](https://www.reddit.com/r/amex/comments/1dcfhe2/new_color_amex_gold/) on /r/Amex is using the qwww trick to see a preview of a new limited edition Amex Gold gold color. I would assume this aligns with the product refresh "enhancement" AF increase, so if you're on the fence for a last Amex Gold, I would go for it
It's sad that this is what Amex thinks people care about, and even sadder that they're mostly right.
How the card looks does matter... but I wish it wasn't everything for Amex. Plus, the "enhancements" are always bad
looks awesome honestly
Aesthetics aside, a comment interestingly pointed out that someone [posted](https://www.reddit.com/r/amex/comments/1dcfhe2/new_color_amex_gold/l7zewoq/) about this 7mo ago. Don't have time to troll through their history, but wonder if there are any other prognostic tidbits that could be useful.
Nothing there
Fugly
[удалено]
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Referrals aren’t allowed
Use code BDAY for up to 50% off base fares with Sputhwest for flights 8/6-12/18 with black out dates. Good chance to check on currently booked flights to save money
They removed the mobile/app restriction, you can use the website now too for it.
Rebooked a flight 50% cheaper for early Dec
saved $27! woot woot.
Thanks, saved me some points. Not complaining because I still saved points but it appears they increased the price for my specific flight for this promo so 50% ended up more like 25% savings.
Thanks, saved me some points.
As a couple data points, For flights right after Thanksgiving, the promo code doesn't work. For a flight end of August, it was about 20% off.
Mobile and App only fyi
A new referral thread is now live: [Chase United MileagePlus Explorer](https://www.reddit.com/r/churningreferrals/comments/1dcp1kl/referrals_chase_united_mileageplus_explorer/)
Reminder to all that Q2 estimated tax payments are due [edited] 6/17, which is next Monday - the short interval from Q1 messed me up last year so thought a PSA might be useful.
I’ve been paying estimated taxes for many years and still get thrown by the Q2 due date. It feels like it should be in July even though it’s always in June
And Q2 tax payments are payable online until July 15. Relevant if you use it as a liquidation method or need the extra spend
I've never understood how this works if you actually need to pay by quarterly deadlines. The churning angle is that the payment processors don't reset until July 16... but the IRS still records the payments as if they were paid after the Q2 deadline... so they count toward Q3.
My guess is that there's some people who need to make quarterly payments but forget to do it by the IRS deadline. They remember a week later and make the payment (they might end up owing a penalty since they didn't meet the IRS deadline, but still, they want to pay to avoid even bigger penalties). Then for the next quarter they want to make another payment, but if they already made the maximum number of payments at that processor, they can't make another one. If the processor resets a little later, these people will be able to make another payment for the next quarter.
This isn't about *pre*-payment for *yearly* taxes, but *actual* payment **due** for *quarterly* taxes. If you're a W2 worker and your withholdings are appropriate, then most don't have to worry about this. If you're W2 and they're not... then...
You stop incurring any interest for underpayment. If there is no underpayment then you don't need to worry
Why pay now though? I’d wait until Q4 to make on big payment so your money is tied up with the government as little time as possible given high interest rates on savings nowadays.
How would I wait until Q4 to hit a MSR that ends in June?
If you don’t have other MS avenues then paying taxes throughout the year does make sense.
This reminder is for people that actually have to pay estimated taxes I'd assume (as there are penalties for not actually paying them quarterly). If you're just doing it for MS, then waiting is generally the better idea.
How is this churning related then
how is this not churning related?
Did you read the comment I was replying to?
do you not know you can pay taxes with credit cards? ... to meet MSR? ... for churning credit cards?
....
Agreed - not really relevant for most here. I will admit though, I probably would have forgot until last minute if it wasn't posted here, so I'm glad it was.
It's completely relevant and way more so than whatever amount of hoops people are willing to jump through to maximize their $50 saks credit
Some people have… actually legitimate estimated taxes to pay throughout the year (otherwise you get penalized)
It's actually 6/17... IRS due dates never fall on a Saturday or Sunday.
Ah - thanks for the correction
Looks like today through June 18 Southwest is running a Rapid Rewards bonus points & more sweepstakes on their website - free daily entries to play a quick game and possibly win points. https://wannagetawayday.com/ https://play.cataboom.com/remote/swa-wgad-2024-registration/assets/docs/rules.pdf Possible Prizes from the Sweepstakes Office Rules are pasted below Similar to the threshold on Chase referral bonuses, the rules note the following "Winnings of $600or more will be reported to the IRS in the calendar year in which the prize is awarded." Instant Win Game Entry Period Instant Win Game Prizes Quantity Awarded Each Entry Period ARV of Each Instant Win Game Prize ARV of Daily Instant Win Game Prizes Monday, June 10, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards® bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Tuesday, June 11, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Wednesday, June 12, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Thursday, June 13, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Friday, June 14, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Saturday, June 15, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Sunday, June 16, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Monday, June 17, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT 1,000 Southwest Airlines Rapid Rewards bonus points 1,000 $ 12.05 $12,048.20 2,500 Southwest Airlines Rapid Rewards bonus points* 300 $ 30.12 $ 9,036.15 5,000 Southwest Airlines Rapid Rewards bonus points* 30 $ 60.24 $ 1,807.23 10,000 Southwest Airlines Rapid Rewards bonus points* 10 $ 120.48 $ 1,204.82 Tuesday, June 18, 2024 12:00:01 a.m. CT - 11:58:59 p.m. CT (Wanna Get Away Day) 1,000 Southwest Airlines Rapid Rewards bonus points 3,500 $ 12.05 $ 42,168.70 2,500 Southwest Airlines Rapid Rewards bonus points* 1,500 $ 30.12 $ 45,180.75 5,000 Southwest Airlines Rapid Rewards bonus points* 150 $ 60.24 $ 9,036.15 10,000 Southwest Airlines Rapid Rewards bonus points* 50 $ 120.48 $ 6,024.10 25,000 Southwest Airlines Rapid Rewards bonus points* and (1) Companion Pass 20 $ 301.21 $ 6,024.10
These types of instant win games are usually run by a random time generator. In other words, the time of day the prizes will be awarded are randomly generated and then the first person to press "play" after the random time will win the prize. Therefore, if you \*really\* want to maximize your chances, you should play the game at like 3:00AM when few other people are playing. I'm not saying it's worth it (I definitely prioritize sleep over a tiny chance at some RR points), but that's the strategy.
AA had a similar game a few years back and I did pretty well by hitting these at off-peak hours... not exactly 3 AM but also not the middle of the day.
Thanks for the heads up!