Estimated read time: 4 minutes and 56 seconds

Good morning from the Big Apple, the “city that never sleeps,” the cultural center of North America.

I’m talking, of course, about Edmonton, Alberta.

Let’s talk travel:

• ✈️ 30% transfer bonus to Virgin Atlantic

• 🥞 A quadruple stack to blow your mind

• 💪 I earned 2,500 Atmos points in 30 seconds

• 💳 Interest-free options for paying down debt

✈️ 30% transfer bonus to Virgin

Capital One just launched one of my favorite transfer bonuses. Until November 20, you can get a 30% bonus when transferring miles to Virgin Atlantic.

This is very good news.

Virgin is a pretty useful program for a lot of reasons, but mostly for flying Virgin itself between the U.S. and Europe.

Award rates start at just 6,000 Virgin miles to fly from the U.S. to London, for example:

With this bonus, that’s just ~4,700 Capital One miles to get to Europe. 🫳🎤

The nice thing about Capital One miles is that they actually allow you to transfer in increments of 100, so you don’t need to transfer 5,000 and end up with orphaned miles in this case.

Anyway, if you’re lucky enough to snag a cheap business-class award, it could also be an insane deal.

Last year, I booked Virgin Upper Class from London to Toronto for just 29,000 miles. 👇

With this Capital One bonus, that’s around 22,300 Capital One miles for business class across the pond.

And yes, I’m sure some of you are noticing those high taxes and fees. 👀

But considering that same seat would’ve cost £4,000… yeah it’s a pretty great deal.

If you can travel in January and February, there is plenty of availability in business class at this price from cities like New York, Orlando, Tampa, Miami, and Boston.

Use this for other airlines, too

If you’re looking to head beyond London, using Virgin miles for KLM and Air France is often a better deal than using Flying Blue miles.

For example, this flight from New York to Munich (via Paris) on Air France costs just 12,000 Virgin miles, less than half the standard rate of Flying Blue.

With the transfer bonus, that’s less than 10,000 Capital One miles.

Fly the whole family

The nice thing about this bonus is that Capital One miles are VERY easy to rack up – especially right now.

There is still an elevated offer on the Capital One Venture Rewards Credit Card to earn an instant $300 hotel and vacation rental credit for bookings through Capital One Travel in your first cardholder year AND 75,000 bonus miles after spending $4,000 in the first three months.

That offer alone is enough for many round-trips to Europe with Virgin miles, or even a handful of business-class flights at the right price point.

If you’re looking for a more premium card, the Capital One Venture X Rewards Credit Card has the same mileage offer… but comes with tons of more luxury travel perks (lounge access, anniversary bonus miles, etc.). 💅 

The bottom line

The stars have aligned nicely to give us a hefty transfer bonus to a highly useful program right around the same time many of you have just racked up Capital One miles from the Venture card and Venture X card.

If Europe is on your radar, this could be a dirt-cheap way to get there and back.

🥞 A quadruple stack to blow your mind

Stacking. We love it.

I often talk about stacking card earnings with credits, or hotel points with a portal, or multiple promotions. Last week’s YouTube video even covered it.

But it’s rare to see a quadruple stack like this one.

A few weeks ago, I told you about why I love the StubHub credit on this premium card so much.

Here’s the recap:

• This card offers $150 of StubHub credits every 6 months ($300/year)

• StubHub lets you use Paze as a payment method

• The same card is offering 10x UR points on Paze for the rest of this year

Basically, you can spend $150 on StubHub, earn more than 1,500 UR points, and get that $150 back in your pocket.

And now, it’s even better.

There’s another Paze promo now, too

Paze and StubHub are offering a $20 discount when you use Paze as a payment method, with the discount applied right at checkout.

There’s no code required, and this offer is valid through November 15.

Now, if you have the card I mentioned earlier, you could spend $170 at StubHub, get $20 off instantly, get the rest of the $150 as a credit, and still earn 1,500+ UR points.

Please don’t forget to stack

The final piece of this puzzle is using a shopping portal, many of which support StubHub.

Last time, I told you about using the Rove portal to earn around 7-8x Rove Miles at StubHub, for example.

But if you want to earn cash back, MR points, or even Bilt Points, you can also click through the Rakuten Shopping portal.

Right now, Rakuten is offering 5% cash back or 5x points at StubHub:

But if you use Daily Drop’s link to sign up for Rakuten as a new customer, you’ll get $50 back after spending $50 or more (in addition to the earning rate I mentioned above.

So let me break this down for you:

If you spend $170, you’ll pay $0 out of pocket, but get $58.50 of cash back from Rakuten IN your pocket, along with 1,500 UR points.

🤯

🤯🤯

🤯🤯🤯

Need I say more?

Anyway, check out the promo details on this page, and consider grabbing this premium card to take advantage of these credits in the future.

💪 I earned 2,500 Atmos points in 30 seconds

Okay, this one is going to be a quickie (that’s what she said). 🫢 

I recently got a fun offer on one of my cards (it was a Hawaiian Airlines co-branded card) to earn 2,500 points for making 5 purchases.

I love when offers like this come around, but most people probably ignore them.

I’m here to make sure you don’t. 🫵

You see, since Alaska and Hawaiian combined forces to create Atmos Rewards, Hawaiian co-branded cards now earn Atmos Rewards.

So basically, I could earn 2,500 Atmos points for simply making 5 purchases of any amount in a 2-month period.

Here’s what I did:

I went grocery shopping. But when I got to the self-checkout, I rang up one item at a time and paid for them separately.

On my way home, I grabbed a coffee for $1.50 and used the same card.

That’s it. Now I have 2,500 Atmos points. That’s already more than half of the points I need to book my flight to Boston in December, all from doing basically nothing.

It’s not groundbreaking, but I just want to remind you that you can get strategic and hop on these little offers without wasting money or time doing it. 🤷🏼‍♂️

And if you have a Hawaiian card, go check to see if you have the same one. 😉

PRESENTED BY SURFSHARK

💻 Cybersecurity tools for stress-free online shopping

The holidays are right around the corner, which means my online shopping is about to skyrocket.

And while I love a Black Friday sale or Cyber Monday deal, I don’t love entering my email and phone number on every website I visit just to save 15% and then get bombarded with spam marketing emails for the next year.

Not to mention, six months later, getting an email that says “oops, we had a data breach and your info was part of it.” 🙄

But I don’t have to worry about that this holiday season, thanks to Surfshark’s personal data masking tools, which keep my data safe online and cut down on annoying spam.

Using their personal data masking feature, I can create a new alternative email for the websites I’m shopping at, use it for my purchases, and have the info automatically forwarded to my primary email.

Their email masking feature helps me manage my inbox and say adios to spam marketing emails. And when the inevitable data breach happens, none of my personal data is caught up in the mix.

Plus, their Cookie Pop-Up Blocker automatically rejects non-essential cookie requests, so you get fewer pop-ups while browsing for a seamless shopping experience. Because the only cookies we’re interested in are the ones we’re eating.

👉 Shop worry-free this winter with a 7-day free trial + unlock 4 extra months of Surfshark VPN — head to https://surfshark.com/dailydrop or use code DAILYDROP at checkout!

That’s all for today, my friends.

I hope you enjoyed today’s deals. I think they were all a little different and fun.

I’m gonna go play with the resident hotel dog for a few hours and forget about the woes of the world. 🐶 

Byeeee,

43.6532° N, 79.3832° W

With contributions by Sam Anthony and Katie Begnoche.