Bilt & Citi Updates + Greece Sweet Spot


Michael's Miles Round-Up

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Table of Contents:
NMT Β· News Β· SUBs Β· Promos Β· Txr Bonuses

Note: This newsletter may include affiliate links. If you make a purchase through one, I might earn a small commission (at no extra cost to you). Thanks for the support!

Happy Friday Reader!

Listen to this segment on: Spotify or Apple Podcasts

Quick heads up before this week's tip:
I'm one of 20+ creators in the Smart Money Bundle, a free event from November 2 to 7 where creators (mostly in personal finance) each give away one of their paid resources. Yes, I'm giving something away too (more on that soon), and you can grab everything for $0. It's also a great way to discover some new creators.

I'll send one extra email about it next week. If you'd rather stick to just the Friday newsletter, click here and I'll leave you out of it.


I just booked our trip to Greece, and it's about 90% done. But here's how the flights came together.

After our last trip to Europe in round trip business & first class, my wife and I agreed we didn't want to spoil ourselves with business class both ways on every trip.

We want to be economical with our points and not feel like we have to chase a sign-up bonus at every interval to keep up. So the new rule for us is one way business, one way economy, and maybe a splurge on premium economy if it's available and makes sense.

That raised a fun question: which direction gets business class? We thought back on our last trip and asked ourselves which flight we actually valued more. Did we enjoy sleeping on the way there, or did we enjoy playing in a premium cabin on the way back? We both agreed it was the way back for us. So this time it's economy to Greece and business class home.

Just know that business class on the way back from Europe can be a little trickier. Taxes and fees on departures from Europe tend to be higher, especially in premium cabins, so you have to be okay with the value you get and try to avoid the higher fee options.

For the economy flight there, I didn't want too many stops. We're based in Austin, and there's no nonstop to Athens, so at least one stop was a given. There weren't many options from Austin that I loved, but there was an extremely cheap nonstop economy flight from Newark to Athens on Emirates' fifth freedom route. It was just 17,500 miles one way plus about $123 in taxes and fees.

We booked it through Emirates directly, transferring Bilt points over at 1:1 to get the lowest price.

We were totally okay repositioning for this one because my wife and I make an excuse to go to New York City at least once a year. So we booked a couple nights in the city before our flight to Athens. On our last trip to Europe we did a post-trip in New York, so this time it's a pre-trip.

For business class on the way home, there weren't any good options on a single itinerary from Athens to Austin. So I went looking for the best business class deal I could find.

I ultimately landed on Air France business class from Paris to Boston, booked through Japan Airlines for just 42,000 miles one way. I've talked about this sweet spot before but had never actually booked it myself, so I wanted to see what the process. Which I did run into a problem with phantom availability I talked about a couple of weeks ago.

Taxes and fees were about $290 per person. That would have been worse through Air France or Virgin Atlantic, but Japan Airlines made it tolerable. But to make this deal better I was able to take advantage of the 30% transfer bonus Citi had to JAL so I only used 65,000 Citi points to book this flight for both of us!

We'll need a positioning flight from Athens to Paris at the end of the trip, but we went to Paris for the first time last year and loved it, so we're making a mini post-trip out of it.

We'll land early, spend a whole day there, and fly out the next day. I'm excited to try Air France business class, since I hear it's one of the better options between the U.S. and Europe.

The original plan was to end up in New York for one more day before heading home, but we ended up in Boston because of availability and the phantom award space I talked about in a previous issue. We figured it out, though. We'll stay the night in Boston and fly home the next day.

In the meantime I'll set up an award alert for something from Athens to Austin that's a little less convoluted. But if nothing opens up, this is a perfectly reasonable way (for me) to experience business class for 42,000 miles.

And how did I know where to look for these sweet spots in the first place? I used my Sweet Spot Explorer, which lets you search for these exact kinds of deals. It's part of The Redemption System, where I also walk through how sweet spot hunting works so you can find them for your own trips.

But I'm scheming on what to work on next, remind me:

Stop Guessing Where Your Points Will Go Furthest

The Redemption System includes the Sweet Spot Explorer.

Tell the Award Explorer which points you have, and it shows your best options, the lowest cost available, and where to search. Then hop to another region and compare.

Featured News:

  • ​Seats.Aero is increasing their price on 11/9, save 20% on annual pro plan with code OCTOBER20 (new and returning users). It also can now be used with ChatGPT & Claude. Not a huge fan of it at first glimpse.
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  • ​AwardTool has updated its Panorama search feature that makes it super useful - in my opinion now lets me comfortably replace seats.aero πŸ‘€.
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  • Citi ThankYou Points added Copa ConnectMiles as a transfer partner joining Rove as the unique points that transfer to Copa.
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  • Citi/AAdvantage Executive Card adds $200 annual dining credit through inKind, split into two $100 credits (Jan-June, July-Dec).
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  • Citi surveyed some business customers about a premium credit card targeted to business owners leading to speculation about a new possible Citi or AA card. Could be nothing.
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  • AT&T customers can earn up to 5,000 American Airlines miles by linking accounts; first 65,000 customers get the full bonus. Details.​
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  • Bank of America restricted Rakuten rewards to cashback only for card applications; Bilt points can no longer be earned for this merchant specifically. Details.​
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  • A handful of Bilt updates were announced. Here's the important stuff:
    • Bilt Cash now expires 12 months after you earn it instead of at the end of the year. This is effective immediately.
      ​
    • Starting in 2027, new cardholders won’t get the option to earn 4% Bilt Cash on purchases. They’ll only get the housing rewards option (up to 1.25x on rent/mortgage). Open a card by 12/31/26 if you want that choice.
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    • Starting 1/15/27, annual hotel credits become straight Bilt Cash. This affects Palladium and Obsidian cardholders. Cash will get deposited on your card anniversary instead of 1/1.
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    • Current cardholders will automatically be switched to the new setup. To keep 4% Bilt Cash (and legacy hotel credits), you must opt out in the app before your anniversary. This choice is permanent.
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    • Starting 1/1/27, using Bilt Cash on hotels drops to twice a year: up to $50 for Blue/Silver, $100 for Gold/Platinum, and $200 for Palladium cardholders.
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    • There's also a few new perks launching 1/15/27. See post.

Point Sales:

Purchasing points on sale is a way to access travel sweet spots at a cash discount, especially useful for those who can't earn points quickly through credit cards (those living outside the U.S.) or those who want to fast-track specific luxury redemptions.

I recommend only purchasing points with a redemption in mind, or if you're topping off an account. ​
​
Alaska Airlines up to
110% bonus as low as 1.79 cents each, exp 11/7​
American Airlines up to
40% bonus as low as 2.26 cents each, tiered
​Delta SkyMiles up to 50% bonus as low as 2.51 cents each, exp 10/31
​Hilton Honors up to 120% bonus as low as 0.45 cents each, exp 11/21
​IHG One Rewards up to 100% bonus as low as 0.50 cents each, exp 11/5
​JetBlue TrueBlue up to 120% bonus as low as 1.47 cents each, exp 11/5
​Lufthansa up to 50% bonus as low as 1.39 cents each, exp unk.
​Marriott Bonvoy up to 55% bonus as low as 0.81 cents each, exp 11/23
​United Airlines up to 100% bonus as low as 1.88 cents each, exp 10/31
​Virgin Atlantic up to 50% bonus as low as 1.67 cents each, exp unk.
​World of Hyatt up to 20% discount as low as 2.08 cents each, exp 12/21

This Week on NMT:

To master the earning side of points there's tiers of what you can do, I go over those tiers and how my favorite earning tool helps with it.

Here are some of the best sign-up bonuses that I've found. I've included referral links to the offers I have access to. For offers not linked, I'd recommend applying through other channels to support creators' work.

"***" = Different from last week

Flexible Points Cards:​
-Chase Sapphire Preferred $95 - 75k, after $5k spend.​
​
-Chase Sapphire Reserve $795 - 100k after $6k spend.
-Chase Sapphire Reserve Business $795 - 200k after $30k spend in 6 months
-Chase Freedom Unlimited $0 - 20k/$200 after $500 spend in 3 months
-Chase Freedom Flex $0 - 25k/$250 after $500 spend in 3 months
-Chase Ink Unlimited $0 - 75k points after $6,000 spent in 3 months
-Chase Ink Cash $0 - 75k points after $6,000 spent in 3 months
-Chase Ink Business Preferred $95 - 100k points after $8,000 spent in 3 months.

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-AMEX Gold $325 has an offer for "as high as" 100k
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-AMEX Business Gold $375 - "as high as" 200k Targeted Offer after $15,000 spent in 3 months. Try copying and pasting link into Private/Incognito browser. ​
​
-AMEX Platinum $895 - "as high as" 175k after $12k spend
-AMEX Business Platinum $895 - "as high as 300k" after $20,000 spent in 3 months; Also here's a 200k No Lifetime Language link.
​
-Capital One Venture X $395 - 75k points after $4,000 in 3 months.
-Capital One Venture $95 - 75k + $300 travel credit after $4,000 in 3 months.
-Capital One Venture Business $95 - 100k after $10k in 3 months.
-Capital One Venture X Business $395 - 300k bonus + $1,000 travel credit, after $120,000 in 4 months.
-Capital One Savor $0 - $200 cash back (20k points) after $500 in 3 months
-Citi Strata Elite $595 - 75k points after $6,000 in 3 months
-Citi Strata Premier $95 - 60k points after $4,000 in 3 months

Hotel Cards​
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-Amex Hilton Honors $0 - 70k + Free Night Certificate after $2,000 spent in 6 months. Ends 1/13/27​
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Amex Hilton Surpass $150 - 130k + Free Night Certificate after $3,000 spent in 6 months. Ends 1/13/27​
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Amex Hilton Aspire $550 - 200k after $6,000 spent in 6 months. Ends 1/13/27
-Chase IHG Premier $150 - 180k after $3,000 spent in 3 months. Ends 11/18
-Chase IHG Premier Select $350 - 200k after $5,000 spent in 3 months. Ends 11/18

Airline cards:​
-Alaska Airlines Atmos Summit - 100k miles + 25k Global Companion Award after $6,000 in 90 days.
-Alaska Airlines Atmos Ascent - 80k miles + $99 Companion Fare after $5,000 in 90 days.​
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-Chase Southwest Plus Personal Card -$99 80k miles after $1,000 spend in 3 months. If my referral link doesn't show it, try here.
-***Chase Southwest Priority Personal Card $229 - 90k miles after $1,000 spend in 3 months. If my referral link doesn't show it, try here.​
​
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- Citi AAdvantage Platinum Select $99, waived first year - 80k miles after $3,500 spend in 4 months.
- Citi AAdvantage Executive Mastercard $695 - 125k miles after $15,000 in 5 months.
-***Citi Business AAdvantage Mastercard $99 - 75k miles after $5,000 in 5 months.
-Delta SkyMiles Gold $150, waived first year - "as high as" 80k miles + $250 statement credit after $3,000 spend in 6 months. Ends 11/4.
(Business version also available)
-Delta SkyMiles Platinum $350 β€” as high as 90k miles + $300 statement credit after $4,000 spend in 6 months. Ends 11/4​
(Business version also available)
-Delta SkyMiles Reserve $650 β€” 50k miles + two domestic round-trip Comfort certificates after $10,000 spend in 6 months. Ends 11/4​
- Delta SkyMiles Reserve Business​ $650 β€” 200k miles after $20,000 spend in 6 months. Ends 11/4

Flying Blue Promo Awards:

Atlanta (ATL) - Beijing (PEK): Economy for 30k Miles
Austin (AUS) - Europe: Premium Economy for 30k Miles
Boston (BOS) - Europe: Economy for 18.75k Miles
Chicago (ORD) - Europe: Economy for 18.75k Miles
Chicago (ORD) - Europe: Premium Economy for 30k Miles
Chicago (ORD) - Shanghai (PVG): Business for 86.25k Miles
Houston (IAH) - Beijing (PEK): Premium Economy for 48.75k Miles
Houston (IAH) - Europe: Economy for 18.75k Miles
Las Vegas (LAS) - Europe: Premium Economy for 30k Miles
Miami (MIA) - Europe: Economy for 18.75k Miles
Miami (MIA) - Europe: Premium Economy for 30k Miles
New York (JFK) - Mauritius: Economy for 30k Miles
New York (JFK) - Nairobi (NBO): Premium Economy for 48.75k Miles
Raleigh/Durham (RDU) - Europe: Economy for 18.75k Miles
Seattle (SEA) - Europe: Business for 45k Miles
Toronto (YYZ) - Europe: Economy for 18.75k Miles

**New York (JFK) - Europe: Premium Economy for 30k Miles
​**Orlando (MCO) - Europe: Business for 45k Miles
​**Vancouver (YVR) - Europe: Economy for 18.75k Miles

**These awards are only available for Flying Blue Extra subscribers, this subscription starts at 379 EUR per year.

- Book by the end of October for travel dates up to March 31st, 2027. Includes reversed routing.
(Here's how to book it step by step.)

- Flying Blue Promo Awards are 25% discounted fares offered by KLM & Air France. Offer changes every month, and is released on the first weekday of the month. Above are U.S.-based routes, click here for other international-based deals.

Singapore Krisflyer Spontaneous Escapes

(Deals don't work with reversed routing, ex: JFK-FRA)​
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New York (JFK) - Frankfurt (FRA)
Frankfurt (FRA) - New York (JFK)*
Economy - 19.25k* | Premium Economy - 39.9k

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Los Angeles (LAX) - Singapore (SIN)
Singapore (SIN) - Los Angeles (LAX)
Seattle (SEA) - Singapore (SIN)
Singapore (SIN) - Seattle (SEA)
Economy - 30.8k

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San Francisco (SFO) - Singapore (SIN)
Singapore (SIN) - San Francisco (SFO)*
Economy - 30.8k | Premium Economy - 55.3k*​
​*Premium Economy only available from SIN-SFO​
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​- Book by the end of October, for travel dates from November 1 to 30th, 2026. See details and blackout dates here.​
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​Krisflyer Spontaneous Escapes are 30% off last-minute award tickets on Singapore Airlines on specific routes. Offers are typically released on the 15th of every month. Here's how to search on Singapore's website.

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Support NMT​
I use Travel Freely to track my cards, annual
fees, and renewal dates in one place; it's free.

The app also has a feature called CardGenie that helps you compare card options based on what you're looking for.

When you sign up for Travel Freely with my link and are later approved for a new credit card through the app, I earn a small commission at no cost to you.

It's one of the best ways to support this newsletter.

​

Transfer Bonuses:

American Express:​
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Aeromexico 20% - Ends 10/30​
Flying Blue 25% - Ends 10/31
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Marriott 35% - Ends 12/10​
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Capital One:
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British Airways 20% - Ends 10/31
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Virgin Atlantic 30% - Ends 11/20

Chase: ​
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None.

Citi:​
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Qatar 15-35% - Ends 10/31 (Offered by Qatar, may not get points until November)
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Cathay Pacific 10% - Ends 11/14

Rove:​
Japan Airlines 50% - Ends 10/31
Flying Blue (Air France/KLM) 40% - Ends 10/31
Qatar up to 35% - Ends 10/31
​
JetBlue 20% - Ends 11/14

Have a good weekend!
​
​Michael​
​Nurse Michael Travels

This page contains affiliate or referral links, meaning that I may earn a commission if you click through these links and sign up or buy the product or service mentioned.
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Michael's Miles Roundup

Save thousands on travel using points and miles without the spam. Every week, get an exclusive tip, and all of the latest deals. Marcelo says it's the best award travel newsletter out there. πŸ‘€

Read more from Michael's Miles Roundup

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