Question of the Day - 20 August 2021

We assume you saw our latest credit-card offer for the MGM bonus on a Citicard. 

To answer your first question, we look for deals anywhere and everywhere we can find them. Recently, some of the best deals that have been popping up are credit card sign-up bonuses.

And to answer your second, yes, we do get a small commission if you apply through our links. It's not a ton, but it helps to keep the printing presses running, so we really appreciate when you do so.

As travelers get back on the road, banks and credit-card companies are getting increasingly competitive with their offers. The most recent one, for example, is the one linked above from Citibank. It gives you 80,000 points, worth $800, just for signing up and meeting the initial spending requirement (in this case, $4,000 in three months). 

Points can be exchanged for airline miles and other stuff, but the big benefit to LVAers  is that they can be turned into MGM gift cards. Each point is worth a penny, so the sign-up bonus is essentially $800 in MGM gift cards. 

Also important, the card normally gives you 1 point per dollar spent, but in certain popular categories, you'll get 3X (triple) points. Those categories are supermarkets, restaurants, gas stations, airlines, and hotels. Given how much money LVA readers spend in those categories, this card should be a gimme.

The card costs $95 per year, but offers an annual $100 hotel credit if you spend $500 or more for your stay.

We can tell you that we're pretty particular about which offers we post, since the great ones are infrequent. The last one was in the beginning of June and the next one probably won't be for a couple of months, so take advantage of the Citi card if you'll be heading to Las Vegas, well, ever.

One last thing: Banks don't give away points because they're nice. They're in it to make a buck, too. They're betting that you won't pay your credit card bill in full every month, which means that they can charge you anywhere from 15%-25% annualized interest rates. That's how they pay for all these rewards. So if you get the card, make sure to pay your bill in full every single month. You don't want to be the one paying for other people's rewards.