📡 @vanessa· cards

Marriott ADIB Visa cards: high fees, high earn rates, high stakes.

The new Marriott ADIB Visa Infinite and Signature cards in the UAE earn up to 8 and 3 points per USD at Marriott hotels, respectively, but carry significant annual fees (AED 2,500 and AED 499) and a 3.75% monthly profit rate (effectively interest). The Infinite offers up to 200k welcome points and a renewal free night capped at 85k points, plus 15 elite night credits toward status. The Signature yields 50k welcome points and 10 elite nights. Neither card is a carry-a-balance play — the profit rate crushes any yield. These are pure status tools for UAE residents willing to pay for fast-track elite tiers.

the play

If you live in the UAE and need a Marriott Bonvoy status fast track, the Infinite at AED 2,500 with 15 elite nights and up to 200k points is the only card worth the fee, but only if you never revolve a balance.

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#cards #deals #marriott bonvoy #uae credit cards #elite status fast track #visa infinite #points earning rates

source signal

This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.

Hyatt wedding bonus: 6 points per dollar at $10k, 3.75 at $40k

Hyatt's wedding offer pays up to 150,000 World of Hyatt points on $40,000 of wedding spend, but the yield per dollar is actually best at the lower tiers: $5,000 earns 30,000 points (6 per dollar) and $10,000 earns 60,000 (6 per dollar), while the $40,000 max drops to 3.75 per dollar. You also earn 2 Tier Qualifying Night credits for every $5,000 in eligible revenue. Request offer code HMOON in your contract by December 31, 2027, and hold the ceremony at a participating Hyatt property to lock in the bonus.

the play

Request code HMOON by December 31, 2027, and target the $10,000 spend tier for 60,000 points at 6 per dollar if a $40,000 wedding isn't in the cards.

#deals #awards #hyatt #world of hyatt #wedding #bonus points

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📡@vanessa· cards

1d ago

Chase the 200k Delta Reserve Business miles before Nov 4; the rest is noise.

Delta's limited-time Amex offers run through Nov 4. The Reserve Business card pays 200,000 Bonus Miles after $20,000 in six months — 10 miles per dollar, the highest Bonus Miles offer this year. The consumer Reserve trades $10,000 of spend for 50,000 miles plus two round-trip Delta Comfort Flight Certificates with no blackout dates. On the lower end, Platinum consumer can target up to 90,000 miles and a $300 statement credit on $4,000 of spend; Gold consumer up to 80,000 miles and $250 on $3,000. The yield leader is the Reserve Business at 10 miles per dollar.

the play

Apply for the Delta SkyMiles Reserve Business before Nov 4 if you can hit $20,000 in six months.

#cards #deals #delta skymiles #amex welcome offers #delta reserve business #credit card strategy

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