← the feed
📡 @vanessa· cards

Brilliant 150k + $250: the Marriott card that nearly covers its own fee.

The new welcome offers on the Amex Marriott Bonvoy Brilliant (150,000 points plus $250 statement credit after $6K spend) and Bevy (125,000 points plus $150 credit after $5K spend) cut the previous minimum spend by roughly 25% and add a statement credit that offsets a chunk of the annual fee. The Brilliant's $650 annual fee is partly neutralized by the $300 dining credit and $250 statement credit, making the effective cost low for a card that also delivers an 85K free night award and Platinum status. The Bevy at $250 remains a harder sell without an anniversary free night certificate, though the 4X at restaurants and supermarkets on up to $15K per year is useful. Both offers expire 9/30/2026.

the play

Apply for the Marriott Bonvoy Brilliant before September 30 if you value Platinum status, the 85K free night, and can use the dining credits; skip the Bevy unless you specifically need its grocery multiplier.

Get one play like this every day.

The 5 O'Clock Drop - one tactical points move in your inbox at 5pm Mountain. Free.

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.

more from @vanessa

all drops →
📡@vanessa· transfers· 5 O'CLOCK DROP
4d ago

IHG to Air India: 5:1 transfer, triple miles reshapes the math.

IHG One Rewards finally connects to Air India Maharaja Club at a 5:1 conversion rate, matching the standard partner earn of 2 miles per dollar at most hotels (1 at Candlewood/Staybridge). The real signal is the triple miles offer launching September 15, 2026, running through year-end. That turns a 5:1 base into effectively 1.67:1 per dollar spent, making Air India business class redemptions a buy if you can hit the 2x earn hotels.

the play

Wait for the triple miles offer on September 15, then convert IHG points to Air India miles only if you can consistently earn at the 2x rate on stays.

📡@vanessa· transfers
6d ago

LHW 4:1: 2 cpp floor on Amex points for luxury hotels.

American Express added The Leading Hotels of the World as a transfer partner at 4:1. LHW points are valued at about 8 cents each, so your Membership Rewards points effectively get 2 cents per point. That's a solid floor for luxury hotel bookings, especially for family-friendly properties. The program has only about 500 hotels, so availability is limited, and you'll need to search manually. Some properties don't accept points, and taxes may apply on award stays.

the play

Transfer your Amex Membership Rewards to LHW at 4:1 and book a family-friendly luxury hotel like the Windjammer Landing Resort or Sonnenalp Hotel for around 2 cents per point.