Category Archives: Manufactured Spend


App-O-Rama Update on Approvals and Spending

As you probably know we just did a large App-o-Rama, or 3BM ( 3 Browser Method) recently.  Today we will share what is going on, how we are doing the spending, and some inside tips. First, we would like to start off with screen shots of the approvals.

Under my name I applied for following cards:







As you can see they were all approved, beside for one of the BUSINESS GOLD REWARD CARD because they considered it a duplicate application. Interesting to note, on my wife’s application I got 2 of these cards approved, possibly because they were applied for closer together.  Let’s take a look at the account and see how they are coming along.

Biz Plat spent $2.5k / 20k

Biz Reward Gold $1.3k/ 10k

Simply Cash $1.8k / 5k

The following cards I have already finished the spend on

MB Platinum Card $3k/ $3k

PRG $1k /$1k

Total I still need to spend is $29,500

Now you may notice that I did not include that Platinum card that I was approved for. Truthfully I didn’t notice until now, but it never came!!! I am on the phone with them now asking them where it is. :) Luckily I am writing this post and noticing it!

How do I do my spending?

No, we do not do refundable airline tickets, nor do we do MS (Manufactured spend) we do legit spending. here are some examples.

We bought Wii U from Best Buy for $250 each.

What did we do with them?

We sold them on Amazon Seller Central!

What are the fees and cost in doing this?

Let’s take a look at the Amazon Fee structure. View the Amazon Revenue Calculator here.

Enter in the ASIN and calculate the cost.

This item will sell for $310, and will gross $283.49 subtract the $250 I paid for it will net a profit of $33 per unit (less shipping to amazon costs)!

What were the inbound charges?

3 wii’s shipped together in one box only costed $7.75, only $2.58 per shipment.

That means each wii had a profit of over $30.

Now there are more ways that we can make this even more profitable, but we can’t share all the secrets in one day! Okay, we will share just one more. Before we bought this item we visted look what happens. Each order adds up to some serious cash back!

Not every website gives free money but all the big sites that you are shopping on anyways will give you some cash back. Open your account today!

Next update. Wifes cards!

Read more:

Get Paid To Meet A Spending Threshold!

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13 Amex App-O-Rama Credit Card Application Update

Last week we did a 13 credit card “3BM” for my wife and I. I have posted a screen shot of all the cards that I applied for and the status of each of them. To check the status of an American Express credit card you can view it here. To learn more about checking the status of any card you can view that here.

Application Status: How to Check If You Got Approved

So these are my cards, as you can see another 2 got approved.

and these are my wife’s cards another 2 got approved as well.

We are holding by 9/13 for approvals

so far 4 came.

Two cards I completed the spend on. the 2 Mercedes Benz platinum card of $3,000. I still need to spend $1,000 on the PRG, and $3,000 on the Platinum regular.

Stay tuned for the rest of the story.

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amex plat Business

Need to make a $100,000 is spending? App-O-Rama Here We Come!

Time for some more cards! We did an app-o-rama today, I applied for 6 cards from Amex under my name with 2 instant approvals see below.

and for my wife i applied for 7 cards, with 4 instant approvals.

I will update you on the rest if they got approved or not. Next we need to figure out how to spend all that money. :/

I hope to get all approved, but 10/13 will also be good.

Stay tuned for the updates!

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Get 20,000 Virgin Elevate Points For Free (via AirBnb)

AirBNB is a site that allows you to rent a room, and apartment or even an entire house.  It is a great site that allows you to rent for as little as 1 night to weeks are months at a time.

Sign up Here

Before you save your money, let’s stack up some other promotions as well.

$20 refer-a-friend bonus

You can signup for Airbnb using my refer a friend link and get $20 off your first stay (over $75).

Amex offers = $50 off

Next, you pay with your Amex card because Amex is having a promo where you get $50 when you spend $100. You need to sync your Amex card so that it is enrolled in the Amex Offer. Click here for the offer.

Basically, it involves signing up on the Amex site, and then tweeting to “@AmexOffers” and including the hashtag “#AmexAirbnb”. Or you can find the offer in you American Express offer dashboard.

The Better Promo – Step 2

Virgin and airbnb are doing this promo where you earn 20,000 Virgin Elevate miles after you “create a New Listing”.You click through, add your listing, and host 1 person over $75. That’s it.

Understand that the promotion does require you to actually get paid for hosting someone. However, don’t be scared. You have to approve the person listing, so it’s not like people just book your room/house and show up. And you can blackout all your dates so it won’t show up. You can just list a place for the bonus, and host a friend… or at least take their money.

 Here is the fine print:

  • click “List Your Space” after navigating from the Virgin website (click here) to Airbnb;
  • complete the Verified ID process;
  • accept at least one reservation for the New Listing priced at $75 or more per night, excluding cleaning fees and taxes (a “Qualifying Reservation”).
  • The Qualifying Reservation must begin on or prior to November 1, 2017.

 Reading between the lines

Airbnb takes 9% to 15% per stay.

And there are all kinds of rules about who stays with you from a normal refer a friend earning bonus, like it has to be $75 and all that. But also, the person staying can’t be referred to from the host . Or, both of you can’t be referred to from the same person.

How to do this right

You can click through the host part of this link.

Screen Shot 2015-11-05 at 9.00.26 AM

Then you click “Become a Host”.

List your house for at least $120 (as long as the Amex offer is alive), and all the details and information needed.

Have someone stay with you, who is referred to by someone other than yourself or your referrer. They have to spend $75 (before fees and taxes) for you to get the bonus.

But also, if they enrolled in the Amex offer, they get $50 back on their card.

 It could work like this:

  • The room is $120
  • But if they have a refer a friend discount, they get $20 off
  • Their card is charged $100, but get $50 back via Amex offer. $50 total cost.
  • $102 ($120 – $18, assuming they take as much as 15%)
  • You get 20,000 Virgin miles

$50 is charged, $100 is paid, and 20,000 Virgin miles earned.

Also, local taxes could change the price, but it’s still a good rule of thumb.

 All this depends on finding someone willing to stay with you, and I’m sure you can find someone who is at least willing to do so on paper. Maybe friends or family, or pet. Just be willing to give them their $55 back. It’s no loss to them.

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

HT: TravelisFree

In Summary:

Get $20 for refering a friend to AirBnb and a possible 20,000 elevate points by making a rental.

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American Express Refer A Friend Promotion

American Express offers a referral links for card members. They limit the amount of  referrals that you can have. I believe you are also able to refer 10 people per card. You can join our SPG Conga and submit your links here. This is especially good to cash in with the limited time promo bonus of the 30k SPG card. to view that link, and all links on our site visit our credit card page here.

How does the referral system work?

With American Express it is slightly different.

  1. Visit this portal the begin
  2. Choose the card you wish to refer
  3. Enter your email address
  4. Enter your friends name and email

Image and video hosting by TinyPic

What cards does American Express allow me to refer?

Starwood Preferred Guest® Credit Card

Blue Cash Everyday

Premier Rewards Gold Personal

Gold Delta SkyMiles® Credit Card

American Express Platinum

What happens now?

Your friend will receive and email from you. Inside it will have a link to the card, as well as some information about it. Once your friend applies for the credit card you will recieve your commision.

Can I check on my referral status?

Both banks don’t offer a way to track your friends applications. You will not know if they applied or if they were declined. What you will know is when you have a bonus 7,500 points for referring the American Express Platinum card, or 5,000 bonus points for referring the Chase Sapphire card that your friend was approved.

Start by applying for cards on our main page, your support is appreciated.

In Summary:

Refer your family and friends to  American Express cards that you have.

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Top 10 Credit Card Picks for July 2015

Credit card offers are in! there are so many choices, I’m not sure where to start. The Marriott seems like a pretty good choice. The free anniversary night covers the annual fee perfectly. Scoot on over to the Amex gold if you never had it yet and apply incognito to get a 50k offer instead of a 25k offer. There are some other great choices here today as well. Don’t see a card you want hit up the comments!

80k Marriott Rewards® Premier Credit Card – expires 8/31/2015

Marriott Rewards Premier Credit Card Application

  • Limited Time! Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • All for an $85 Annual Fee
  • See complete Marriott Rewards® Premier Credit Card details

50k Premier Rewards Gold Card

Must apply in Incognito

  • Earn 50,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.
  • See complete American Express® Premier Rewards Gold Card details

 Citi® Hilton HHonorsTM Visa Signature® Card

Citi® Hilton HHonors<sup>TM</sup> Visa Signature® Card

  • Limited Time: Earn 75,000 Hilton HHonors™ Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*
  • See complete Citi® Hilton HHonorsTM Visa Signature® Card details

50k – Chase Ink PlusInk Plus Business Credit Card Application

  • After you spend $5,000 in the first 3 months from account opening, you will receive 50,000 bonus points. That’s $925 toward travel when you redeem through Chase Ultimate Rewards
  • No interest charges as you pay your balance in full each month
  • Receive 5X points per $1 on the first $50,000 spent annually at office supply stores, cellular phone or landline, internet, and cable TV services
  • No foreign transaction fees
  • Direct access to a live service advisor anytime
  • No transfer fees when 1:1 point is transferred to leading frequent travel programs
  • Annual Fee $95

Read more here

85K Club Carlson SM Premier Rewards Visa Signature® Card 

  • Receive 10 points per $1 spent in eligible net purchases at Carlson Rezidor hotels
  • Receive 5 points per $1 spent in eligible net purchases everywhere else
  • Receive up to 85,000 Bonus Gold Points- 50,000 Gold Points after your first purchase and plus 35,000 points once you spend $2,500 on your card within the first 90 days
  • Bonus Award Nights for exclusive card members – When you redeem Gold Points for 2 or more consecutive Award Nights, your last night is free
  • When you renew your card each year, you get 40,000 renewal bonus points
  • As your Gold Elite Status upgrade is automatic, your Club Carlson membership will reflect your Gold Elite status after you activate and use your card
  • Already reached Gold or Concierge Elite Status? You will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status after you activate and use your new card.

The most under rated credit card. Read our full review here.

50k - Chase British Airways

For a limited time (3/31/2015) the annual fee is waived for the first year

  • After you make $2,000 in purchases within the first 3 months of account opening, you will receive 50,000 bonus Avios
  • No foreign transaction fees when you travel abroad
  • In addition to the bonus Avios, you will receive 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
  • If you make $30,000 in purchases on your British Airways Visa Card every calendar year, you’ll earn a Travel Together Ticket good for two years
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & other countries, while still giving you the ability to use your card as you do today at home

45k – Chase Sapphire Preferred

  • Earn 40,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. That’s $500 in travel when you redeem through Chase Ultimate RewardsSM
  • After you add the first authorized user and make a purchase in the first 3 months from account opening, you will receive arn 5,000 additional bonus points
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • Chip and Signature enabled for international travel.
  • 1:1 point transfer for participating frequent travel programs at full value that is 1,000 Ultimate Rewards points equal to 1,000 partner miles/points
  • 24/7 available for direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

40k – American Express Platinum

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Receive up to $200 a year in statement credits for airline incidental fees like checked bags fees, flight-change fees, and snacks.
  • Enroll and select a qualifying airline to receive the statement credit
  • No foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

Read our review here

25K – Starwood Prefered Guest


  • Starpoints® bonus: earn up to 25,000 bonus points i.e. 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Card membership which is enough for a weekend getaway to a Category 4 Hotel
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights with no blackout dates
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and restrictions apply

For number 10 you tell us what you think it should be!

Read these other hot topics!

3BM and App-O-Rama, How To Do It Properly

Application Status: How to Check If You Got Approved

View our home buying series here: Mortgages, Home Loans, Refinance, and Interest

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

In Summary

Apply now for the best credit card offes to date.

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Limited Time Offer: Earn 75,000 AAdvantage® Bonus Miles With Citi AAdvantage Credit Card

Limited-time offer: Earn 75,000 AAdvantage® bonus miles with the card designed for the world’s largest airline!.


Apply now and earn 75,000 AAdvantage® bonus miles after you make $7,500 in purchases within the first 3 months of account opening!

Use your AAdvantage® miles for award travel to nearly 1,000 destinations worldwide on American Airlines and US Airways.

As a cardmember, you’ll enjoy premium benefits throughout your travel experience:

Enjoy these VIP benefits for an annual fee of $450

Apply Now

NOTE: 75,000 American Airlines AAdvantage® bonus miles can be earned by new Citi® / AAdvantage® Executive World EliteTM MasterCard® cardmembers approved through this offer. Earn 75,000 American Airlines AAdvantage® bonus miles after making $7,500 in purchases within the first 3 months of account opening. American Airlines AAdvantage® bonus miles are not available if you have had a Citi® / AAdvantage® Executive World EliteTM Card opened or closed in the past 18 months.

At the Airport

Admirals Club® Membership

With an Admirals Club® membership, you and your immediate family (or up to two traveling guests that accompany you) have access to over 50 Admirals Club® worldwide locations. You’ll agree that travel has never been this comfortable and convenient. Enjoy spacious and plush lounges offering complimentary drinks and light snacks, complimentary Wi-Fi, conference rooms, PCs with Internet access, print services and more. Before, after or in between flights, this is where you belong. For details on Admirals Club® locations, please visit

Global Entry or TSA PreCheck Application Fee Credit

Redefine your travel experience. Receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA PreCheck. Upon approval, bypass long lines and spend less time waiting at select airports with Global Entry or TSA PreCheck. To apply for these programs, visit or Global Entry or TSA PreCheck application fee must be charged to your Citi® / AAdvantage® Executive Card.

Enhanced Airport Experience

Enjoy an enhanced experience the moment you arrive at the airport with priority check-in, airport screening (where available) and early boarding when flying on domestic American Airlines and domestic US Airways.

First Checked Bag Free

Get your first checked bag free on domestic American Airlines and US Airways itineraries for you and up to 8 travel companions. With the Citi® / AAdvantage® Executive Card, you and up to eight additional people in your reservation can each save up to $50 on round-trip travel.

25% savings on eligible in-flight purchases on American Airlines and US Airways flights

You’ll receive 25% savings when you use your card for in-flight purchases of food, drinks and headset purchases – on both American Airlines and US Airways flights.


Earning Miles

Elite Qualifying Miles

Each calendar year when you reach $40,000 in spending on purchases with your Citi® / AAdvantage® Executive credit card, you will earn 10,000 AAdvantage® elite qualifying miles from American Airlines to put you on the fast track to American Airlines AAdvantage® elite status membership. Elite qualifying miles can only be used toward attaining AAdvantage® elite status levels that are explained and defined in the Elite Qualification Requirements section. Purchases made from additional cards on the primary cardmember’s account will count toward the primary cardmember’s qualifying spend for Elite Qualifying Miles. Additional cardholders do not earn this benefit.

Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines and US Airways purchases

Earn double miles on all eligible American Airlines and US Airways purchases – that’s 2 AAdvantage® miles for every $1 you spend. Earn 1 AAdvantage® mile for every $1 spent on other purchases.

No Mileage Cap

With no cap on the AAdvantage® miles you can accumulate, there’s no stopping what your everyday purchasing power can do.

Beyond Travel

Travel with ease and enjoy global acceptance with your Citi chip credit card.

No Foreign Transaction Fees on Purchases^

It’s your money, whether you’re spending it at home or abroad. Pay no foreign transaction fees on purchases when you use your Citi® / AAdvantage® Executive credit card. Keep more of your money where it belongs – in your pocket.

Expert Concierge Service

No matter where you are or when you need it, expert assistance is just a phone call away. Whether you’d like to make dinner reservations, need help with travel arrangements or want to buy and deliver gifts and goods, our highly trained concierge professionals are available 24 hours a day and committed to helping you. Call 1-877-881-2668 to speak with a concierge.

In summary:

If you can spend $7.5k within 90 days, and didn’t have a Citi Card application in the last 8 days, go for it. If you can hit the spend within 30 days, you hit the jackpot. If you are unable to hit the spend, there is a lower bonus lower spend too.

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