Why The United MileagePlus Explorer Card is a Keeper

 

united_mileageplus_explorer_card

I just recently got an email from Chase and the new benefits that will be rolled out for the MileagePlus Explorer card. Starting from June 1st, cardholders will get 2x the miles on hotel and dining purchases (previously 1 mile/$1), $100 credit for Global Entry or TSA Precheck, and 25% off in-flight purchases. This is in addition to the two United Lounge passes that Chase gives every year upon renewing the card. All these perks are appealing and in the realm of basic economy, having an airline card assures you of being allowed to carry a bag that can be checked in or carried-on (if you book a basic economy fare). What happens if you don’t have an airline-branded credit card and you book the basic economy fare? You can only bring a bag that can fit under your sit. Anything that goes into the overhead bins would have to be paid for and airlines are starting to enforce this policy at the gate.

Many airline credit cards are popular for churning. This means you sign up and get approved for the card, rack up the bonus miles after hitting the minimum spend threshold and cancel the card within a year.  Then you’re free to apply those miles to that destination you’ve been saving up for. Since I find myself traveling between Chicago and the East Coast several times a year, I’ve held on to the United MileagePlus Explorer card as well as the Citi American AAdvantage Platinum to save on baggage fees and for the convenience of priority boarding (on super busy routes such as LGA to ORD, it assures overhead bin space). If there was only one credit card you wanted to pay an annual fee for, I wouldn’t recommend an airline-branded card since you’re married to that one airline if you want to reap the benefits. A credit card such as the Chase Sapphire Preferred or Reserve would be the better option since you have multiple airlines whose frequent flier programs you can utilize via transfer. But if you’re willing to pay for two cards and you live near a United hub (Chicago, D.C., Houston, Denver, San Francisco, Newark/NYC, and Los Angeles), the United MileagePlus Explorer credit card might be one of the most appealing airline-branded credit cards available. In addition to the benefits I outlined above, United offers exclusive mileage redemptions to cardmembers only.

The example itinerary I used is Chicago (ORD) to Cancun from July 29th-August 4. In both instances, we’re going to use award redemptions.  The first example is the redemption available if you are a Chase United MileagePlus credit card holder.

UAExORD2CUN

This is the segment from Chicago to Cancun. Two non-stop options available exclusively with the MileagePlus credit card for 17.5k miles.

UAExCUN2ORD

These are the options for the return. Three non-stop options if you hold the credit card. 35k miles for the roundtrip for one passenger.

Now let’s look at redemption availability if you want to book this same trip using United miles but you don’t hold the United MileagePlus Explorer credit card:

UAOrd2Cun

If you want the non-stop option, it will cost 25k miles rather than the 17.5k miles seen above.

 

UAOrd2Cun1stop

They do have one 17.5k redemption to get to Cancun but look at that disgusting itinerary. Not only are you departing at 6am but you have to switch airports in D.C. By the time you’re in Cancun, you’re spent.

UACun2ORd

The return trip to Chicago would cost 25k miles. There is no 17.5k option available for the return.

As you can see in the example above, having the Chase MileagePlus Explorer card means you’re using only 35k miles (plus the applicable taxes) with the benefit of having a non-stop flight on both legs of the journey. Without it, you’re using at a minimum, 42.5k miles and likely 50k miles if you want to have a non-stop each way and a productive first day in Cancun. How much is that 15k miles savings worth? The Points Guy values each United mile at 1.5 cents. 1.5 x 15k = $225. This is just an estimate but even if you valued it a bit lower, it becomes obvious the miles you saved by having the card is worth far more than the annual fee of $95 you’d be paying to keep the card. Again, this card isn’t for everyone and those who would benefit the most are travelers who live near a United hub. If you are an SPG or a Chase Sapphire Preferred/Chase Sapphire Reserve cardholder and you find yourself transferring Ultimate Rewards points or SPG points into United often, pairing the MileagePlus Explorer card with either of the three only enhances their value.

 

 

Photo source: http://www.chase.com

 

Chase Releases 5x Category for Chase Freedom

Chase has released their 5% quarterly categories for the 2nd Quarter (April-June) for the Chase Freedom credit card and there are some great opportunities to rack up the points. The categories are grocery stores, Chase Pay, and PayPal. Grocery stores are one of the most lucrative opportunities as most of them also sell gift cards for other retailers such as Amazon, department stores, and gas stations. If you happen to shop online, PayPal is now accepted at multiple websites and you can link the Chase Freedom to your PayPal account. The value of these points are further enhanced if you own the Chase Sapphire Reserve or Chase Sapphire Preferred since you can transfer the points from Chase Freedom into either one of these cards. Make sure you activate the card prior to April and if you don’t have the card, it’s one I’d strongly recommend adding to your wallet. This card does not have an annual fee.

Marriott Extra Points Sunday is Back For The Super Bowl

Marriott gave Twitter users the opportunity to earn over 10,000 Rewards Points throughout the course of the NFL season just by answering trivia. Accruing those points was a great way to save towards a free hotel night. Marriott tweeted today that they will have trivia questions on Twitter throughout the game, giving everyone a chance to score 1,500 Rewards Points.  Redemptions at Marriott start at 7,500 for a category 1 and 10k for a category 2 hotel. If you participated enough since the beginning of the season, you might have earned yourself a free night at a Marriott just by answering trivia questions on Twitter. I wrote a post earlier on how to link your Marriott account with Twitter. You can find that here.

Chase Ultimate Rewards: Transfer Partners to Avoid

One of my friends asked me a pretty good question regarding Ultimate Rewards point transfers into partner programs: Which one should he avoid? While I’ve gone through many of the transfer partners that provide excellent value, I haven’t really addressed the transfer partners or scenarios that provide poor value and thus should be avoided. There are also certain situations where even a good frequent flyer program won’t provide good value if you transfer Ultimate Rewards points into the program.  At the very least, you want to get a value of 1.25 cents per point if you’re using the Chase Sapphire Preferred (CSP) and 1.5 cents per point if you’re using the Chase Sapphire Reserve (CSR). How did I arrive at those numbers? If you book through Chase’s UR portal, that’s how much value you would get. For example, by booking a flight using the Chase Ultimate Rewards portal, a ticket worth $150 will require 10,000 UR points if you have the CSR. $150/10,000 = 1.5 cents per points. That same ticket would require 12,000 UR points if you have the CSP $150/12,000 = 1.25 cents per point. Here is what you should do to ensure you get the best value using your points: Make a comparison of the number of UR points required if you were to book through the Chase portal, the number of points required if you were to book through the hotel or frequent flyer program, and the dollar amount required if you were to pay with cash. For certain programs, the answer will be obvious and you will get a clear idea of what not to do. For others, there might be a tie and you won’t come out on the losing end either way.  Let’s take a look at some transfer partners and see what type of value they might provide…

IHG

I’m going to use IHG hotels, the least valuable of all transfer partners in my opinion, as the first example. Ultimate Rewards points can be transferred into IHG on a 1:1 transfer ratio in increments of 1,000. Among the brands that are under the IHG umbrella are Holiday Inn, Intercontinental, Indigo, Kimpton, and Candlewood Suites. Let’s say you wanted to stay in Downtown Chicago between June 29th and July 1st at the Intercontinental Hotel on Michigan Avenue….

IHGCash

This would cost $233 a night. If you were to book as a CSR card holder straight through the Ultimate Rewards portal…..IHGURRedemption

A good redemption of just over 16k points a night. This is a value of 1.5 cents per point and the litmus test you should use if you’re a CSR card holder booking through Chase. Last but not least, let’s see how many points you would have to transfer into IHG’s program from Chase if you were to use their loyalty program to book this hotel:

IntercontinentalIHGpoints

A ridiculous 50,000 points per night, meaning you’d have to transfer a total of 150k UR points for 3 nights. If you’re reading this, please don’t ever transfer 150,000 Ultimate Rewards points to make a booking like this in which you’re getting absolutely ripped off.  If you do the math, $233/50,000 = 0.4 cents per point. You read that right. You’re getting less than a penny per point value if you transfer 150,000 UR points to book 3 nights at the Intercontinental Chicago on Michigan Avenue when the cash price is $233 per night. It’s unfortunate but these types of redemptions are the norm when using IHG points to book hotel stays.  This particular redemption is so bad, you would be better off exchanging 69,900 UR points for $699 cash and then using the cash to book the 3 nights at the hotel.  For this scenario, we would book straight through the Chase portal at just over 16k points per night. The only scenario you should consider transferring Ultimate Rewards points into IHG is if you need to top off your account and you’re just 5k or fewer points away from getting an award night at a higher redemption level. For example, if you’re at 29k IHG points and 30k would get you an award night, go ahead and transfer that 1k from Chase. The more you need to transfer, the more you’re losing value.

Marriott

Another transfer partner which provides terrible value when transferring points from Chase Ultimate Rewards is Marriott. Ultimate Rewards points can be transferred into Marriott on a 1:1 ratio in increments of 1,000. Don’t get me wrong, they have a very nice portfolio of properties which include upscale brands such J.W. Marriott and Ritz Carlton. But when you’re redeeming points, it’s all about getting maximum value and getting the most for your redemptions.  Let’s say you wanted to stay in the Miami area from March 29th-March 31st in a location close to the airport:

MarriottCashPoints

The TownPlace Suites would cost $175/night or a ridiculous 50k Marriott points per night for a total of 150k points. This redemption is even worse than the one we saw above. Please do not, and I repeat do not transfer 150,000 UR points for this type of redemption.  $175/50,000 = 0.35 cents per point redemption (lol). To put it into perspective, 60k UR points when transferred into United can get you a round-trip ticket to Europe. 60k UR points when transferred into FlyingBlue can get you two round-trip tickets to Hawaii. If you were to book straight from the Chase portal…..

TownPlaceURRedemption

A far more palatable redemption of nearly 12k per night, giving you the baseline value of 1.5 cents per point if you were a CSR credit card holder. If you carried the CSP instead, your redemption would require approximately 14,300 points per night for a value of 1.2 cents per point. In this scenario just like the one above, booking directly from the Chase Ultimate Rewards portal rather than transferring points into Marriott is the way to go.

Hyatt

On the opposite end of the spectrum, I’m going to use Hyatt, one of my favorite transfer partners and one that provides excellent value as an example. Let’s say you wanted to make a booking at the Hyatt Place in Downtown Chicago between June 29th-July 1st. Here is the cash price you would have to pay per night: At the very minimum, $531 per night (!!).

HyattPlaceCash

If you were to book straight through the Chase Portal as a Chase Sapphire Reserve card holder:

HyattURRedemption

At the very minimum, you’re spending 26,509 points per night. This gives you a redemption rate of 1.5 cents per point, the value you would get when booking through Chase as a CSR card holder.  And finally, let’s see how many Hyatt Points would be required to make this booking…..

HyattPlaceHPoints

We have our clear winner. For 12k Hyatt points per night, you can find yourself in a room that would cost you $531 per night were you to pay with cash. If you do the math, $531/12,000 = 4.4 cents per point. This would qualify as a fantastic redemption and one where it would be a no-brainer to transfer your points from Chase UR into Hyatt. Prior to transferring into Hyatt, make yourself a World of Hyatt account on their website. This is free and you will get an account number which you will need to link with Chase in their Ultimate Rewards Transfer Portal.  Below is just a simple schematic showing you where to go to transfer UR points.

airlinetransfer

When you click on your point balance, this will be the first page you see. Bring the cursor to “use points” and click on “transfer to travel partners”

WorldofHyatt

Click on World Of Hyatt and transfer the total number of points you would need. Since Hyatt requires 12k points per night for our redemption and we searched for 3 nights, we would transfer a total of 36k UR points into Hyatt. The cash price for those 3 nights would have been nearly $1,600.  The only downside of Hyatt is it’s relatively small footprint. They only have about 750 properties worldwide so finding a location where you can take advantage of this value can be challenging, particularly if you’re looking at international destinations.

      Airline Transfers

Generally speaking, transferring to the frequent flyer program of Chase’s airline partners provides very good to excellent value. A prime example of this would be transferring to British Airways Avios for domestic flights on American Airlines or transferring to FlyingBlue, the frequent flyer program of KLM/Air France for a round-trip ticket to Hawaii on Delta Airlines. However, there are certain situations where you’re better off booking a ticket by redeeming UR points through the Chase portal or using cash rather than transferring the points into a frequent flyer account to book a ticket.  For this example, I’ll use a round-trip ticket from Chicago (ORD) to New York City (LGA) from April 28th-May 1st.

UACash

Pretty good price for a round-trip ticket between Chicago and NYC. Keep in mind, these are economy seats, not basic economy which can be had for $129 round-trip but with limitations such as no carry-on bags and no advanced seat assignments. Now if you wanted to use United miles for this trip…..

UAmiles

25k miles for a round-trip itinerary. How much value would you get if you transferred 25k UR points into United? $169/25,000 = 0.67 cents per point. This would be a terrible way to use UR points since you’re getting less than a cent worth of value per point. If you were to hold a Chase Sapphire Reserve and you booked through the Chase Ultimate Rewards portal, your redemption would require…..

UAurredemption

Just 11,240 UR points for a round-trip ticket. You would save yourself nearly 14,000 points, or enough for possibly another round-trip ticket by using Chase’s portal versus transferring into United. If you had the Chase Sapphire Preferred, your redemption would be about 13,500 UR points, a significant number of UR points saved.

 Recap

Prior to transferring into a program, evaluate whether you’re getting at least 1.5 cents per point if you’re a Chase Sapphire Reserve holder or 1.25 cents per point if you’re a Chase Sapphire Preferred holder. This is done by taking the cash price/the points required by the loyalty program.This should always be your litmus test prior to transferring. If you’re value matches or exceeds those numbers, transfer the points into the loyalty program. If not, then book directly through the Chase portal. The wildcard is if you happen to have status with a hotel chain. From my experience, hotels won’t extend status benefits if you don’t make the reservation through their own website or toll-free number. What what I do? I would still forego the benefits for IHG and Marriott if it means I’m going to get killed on the redemption when transferring UR points into either of those two brands. A free breakfast or room upgrade is not worth sacrificing a round-trip ticket to Europe, South America, or two round-trip tickets to Hawaii. If you want to read about the transfer partners that can provide tremendous value, you can read that here and here.

 

How to Avoid Ticketing Fees on Last Minute Award Redemptions

For all you last-minute travelers/procrastinators, there are many frequent flier programs that penalize travelers if they book an award redemption close to the departure date. For example, if you book a ticket using miles on either American or United and your departure date is less than 21 days away, you will have to pay a $75 ticketing fee. Sometimes this fee will wipe out the value of a redemption and on the rare occasion, it will be more than the entire cost of the ticket were you to pay in cash. Delta doesn’t charge a ticketing fee but will charge additional 5k points per one way ticket (and even more for business class). Alaska Airlines does not charge a close-in ticketing fee and neither does JetBlue.  Southwest does not charge a ticketing fee but the number of miles required will increase significantly. If you have status with an airline, that might be enough to skirt around the close-in booking fees. There are a couple of ways to bypass the close-in fee and I’ll demonstrate how.

Using British Airways to Book on American Airlines

  • I talked about the benefits of using British Airways Avios to book on American Airlines here.
  • One valuable aspect of British Airways Avios is the ability to redeem it on American Airlines as close to a few hours prior to departure.
  • British Airways has a distance based chart so certain redemptions can be made using fewer miles.
  • If economy saver award tickets are available on AA.com, they will usually be accessible through British Airways.

Here is an example of the exact same flight from Albany, NY to Chicago (ORD) and the costs associated with the two different programs.

Capture

ALB2ORDAA

If I were to book this one-way ticket using AA miles, the cost is $12,500 miles plus a $75 ticketing fee (the mandatory 9/11 security fee is $5.60 making it $80.60). Now let’s see the price using British Airways Avios…..

ALB2ORDBA

ALB2ORD2

No $75 ticketing fee and only 7.5k Avios as opposed to the 12.5k AA miles that would have been required. It is important to note that if you have a connecting flight, it will cost double the Avios for a trip since BA charges 7.5k per segment. I’d still rather dish out 15k Avios rather than 12.5k AA miles with the $75 ticketing fee tacked on.

Using Singapore Krisflyer Miles to Book on United

ALB2ORDUA.JPG

If I want to book a one-way flight to Chicago for this Friday using United miles, it’s 12.5k miles + $80.60

  • Similar to AA’s policy, United also charges a $75 ticketing fee for flights booked within 21 days of departure.
  • Singapore Airlines allows you to book via United up until 24 hours prior to departure if saver award redemptions are available on United.
  • Unlike the American Airlines example, this ticket cannot be booked online. You need to call Singapore Airlines reservations and they will book it for you. Just make sure you have a Singapore Krisflyer frequent flier account set up prior to calling.

Both British Airways and Singapore Airlines are transfer partners of Chase Ultimate Rewards, American Express Membership Points, and Starwood Preferred Guest. Singapore Airlines is also a transfer partner of Citi ThankYou points. If you are booking on United Airlines via Singapore miles, DO NOT transfer any points into Singapore Airlines until you have confirmed seat availability for your travel dates on United. Transfers into an airline’s frequent flier program are not reversible.

Wide Open Award Availability to Maui on Delta Airlines via Flying Blue

Even though the cost of airfare has gotten much cheaper over the last decade to places such as Europe, destinations like Hawaii still have round-trip airfare that routinely exceeds 4 digits. Due to its location, Hawaii does not have service from an ultra low-cost airline such as Spirit or Frontier.  This, in theory, would bring down airfare from legacy carriers such as American, Delta, and United. Southwest has announced that they will start service to Hawaii later this year but the impact it will have on airfare remains to be seen. With that being said, there are still sweet spots within award travel that can get you to Hawaii for bargain redemptions. If you’re a holder of the Chase Sapphire Reserve or Preferred, American Express Platinum or Gold, or the Citi Prestige credit card, you also have the ability to transfer those points into Air France and KLM’s frequent flier program called Flying Blue. If you search up award tickets on http://www.flyingblue.com, you will see plenty of award availability on their Sky Team partner, Delta Airlines, to Maui from coast to coast. A one-way ticket can be had for just 15k points or 30k round trip per person. Here are some examples of the award tickets I found for April and May:

 

New York City (JFK) to Maui

JFK2OGG

Plenty of dates available for 15k departing JFK to Maui with a layover in Los Angeles or Seattle

 

Maui to New York City (JFK)

OGG2JFK

Multiple days for the trip back can found for 15k points

 

Chicago (ORD) to Maui

ORD2OGG

 

Maui to Chicago (ORD)

OGG2ORD

 

Los Angeles (LAX) to Maui

LAX2OGG

Los Angeles has plenty of days for the 15k award redemption. Possibly the most of any city

 

Maui to Los Angeles (LAX)

OGG2LAX

If you have any the aforementioned credit cards and have accumulated enough points, this would be a great way to get to Hawaii. If you don’t have any of the above credit cards but you’re interested in one, make sure you apply only when you are certain you are going to be spending enough over a 3 month period to get the bonus points. For example, both Chase cards require $4k spending over 3 months to get the 50,000 point bonus while American Express varies depending on the time of the year. The bonus from these cards can put you right on the doorstep for a trip to Hawaii.

2018 Quarter 1 Chase Freedom 5x Categories

ChaseFreedom

The Chase Freedom 5x reward categories have been revealed and they offer some very rewarding opportunities. If you’re not familiar with the Chase Freedom or how the quarterly categories work, you get 5 points per dollar for your first $1,500 spent on any of the designated categories. For Jan-March, it’s gas stations, internet, cable,  phone,  and mobile pay services such as Chase Pay, Android Pay , Apple Pay, and Samsung Pay. I’m a big fan of Chase adding mobile payments this upcoming quarter since many places where people normally shop (Walmart, Whole Foods, Walgreens, Rite-Aid, etc) accept it as a form of payment. Add in the phone, TV, and cable bills and it’s easier to hit the $1,500 limit to maximize the number points that can be earned in the quarter.  If you have the Chase Sapphire Preferred or Reserve, these points have added value since you can transfer them 1:1 to one of the many airline or hotel partners.

United and Delta Devalue Their Miles

DeltaUnited

Airline devaluations are one of the guarantees in life.  Some airlines will devalue their mileage currency annually and some will do it every three to four years. This hurts the consumer since it often takes more miles or a larger fee has to be paid in the form of a “surcharge” for an award redemption. Delta is known to devalue their Sky Miles frequently and without warning. Some in the frequent flier world refer to their miles as “Sky Pesos.” United doesn’t devalue as often but this particular devaluation will hurt travelers regardless of cabin class.

 

                               United

Prior to November 1st, the most you would ever use for a domestic one way ticket in economy was 25k miles . Now if you want that one way ticket during the holiday season or any other holiday, there are some days where you won’t have an option that’s cheaper than 32.5k miles. Here is an example for a one way ticket from Chicago to Los Angeles:

UnitedDevaluation

Business class transcontinental award tickets will also jump up to 35k miles for saver economy and 60k miles for everyday or peak times. The same holds true for an international award ticket.  Business class tickets originating in the U.S. will see a 5k to 10k increase in miles on just about every route.

 

                                    Delta

Delta on the other hand is starting to devalue their Sky Miles by rolling out fuel surcharges on flights to Europe. You won’t see it on every route just yet but here is an example of a one way flight from Paris to Seattle:

DeltaDevaluation

As you can see, the surcharge for this one way flight is a ridiculous 215 euros. That’s in addition to the 50k miles at minimum that are needed for this redemption. Whether Delta rolls out this surcharge for all flights into and out of Europe or only those are departing or landing on the West Coast remains to be seen.

Regardless of which airline program you participate in, frequent flier miles always depreciate over time. Sometimes, the devaluation occurs without warning. Use them quickly because you just might need a whole lot more if you wait.

 

 

Image source: http://www.trendler.com

 

Using Ibotta for Uber, Hotels, and More

ibottaLogo

Of all the apps I have downloaded on my phone, there isn’t a single one that’s as rewarding as Ibotta. If you already have it downloaded and regularly use it, you know how it works. If you’ve never heard of Ibotta, I’ll introduce it and show you how you can benefit from your routine shopping. It’s available for both Android and iOS.

Ibotta rewards you in two different ways. The first requires you to upload your receipt from one of their listed retailers. Among them are Whole Foods, Target, Walmart, Jewel-Osco, Pathmark, Mariano’s, etc.  For example, Walmart will have tons of different grocery or household items that will be eligible for cashback in a given week. If you purchase those items and unlock them on the Ibotta app, you get whatever the cashback is for that particular item. Here is example of some of the breakfast items listed this week at Walmart:

Ibotta3

 

Clothing retailers work the same way. Until November 2nd, you can make a purchase at H&M, upload your receipt and you get 15% cash back. The purchase would have to be made in-store.

H&M_Miles4Places

 

The other way Ibotta rewards you is by using their app to launch another app and then making a purchase. For example if you click on Uber via Ibotta, it will automatically launch the Uber app that’s already downloaded on your phone. For every ride you take, you get a dollar back:

UberIbotta

 

The same goes for travel websites such as Hotels.com, Booking.com, Hotwire.com, etc. For these websites, you typically get between 4-6% back on your total cost.

 

Ibotta2

 

Make sure you have the apps for any of the above downloaded prior to making a booking. Ibotta will credit you the cashback once you have completed your hotel stay.

 

HotelsIbotta

 

Once you have $20, you can cash out via Paypal or Venmo. You could also select gift cards to retailers such as Amazon or Target.

You could also double dip using this app. For example, Walmart sells Hotels.com gift cards. You could use your Chase Freedom credit card to buy the gift card from Walmart and that will get you 5 points per dollar (Walmart is a 5x quarterly category for Chase Freedom this quarter). You can then make your booking on Hotels.com by launching the app via Ibotta and get an additional 5% back. Regardless of where you shop or travel, Ibotta has something that can benefit just about everyone. If you don’t already have Ibotta and you use my link to sign up, you get $10 back after uploading your first receipt or making your first purchase using the app. —->  https://ibotta.com/r/xq3zkq

As always, thanks for reading.

Earn 1,000+ Marriott Rewards Points Free. Act Fast!

marriott-rewards-logo

 

Marriott is giving away 1,000 Rewards Points if you answer their Twitter NFL trivia question before 8 PM eastern. 1,000 points won’t get you a free stay at a hotel but Marriott has been giving away thousands of points routinely via twitter and other social media  promos. They certainly add up over the course of a few months and in time, you might have enough for a free hotel stay. You can also supplement your Marriott account by transferring points via Chase Ultimate Rewards if you have the Chase Sapphire Reserve or Preferred.

MarriottTrivia

 

To link your Marriott account to Twitter or other social media platforms, click here.  The answer for this week is 53. Just tweet 53 along with #RewardsPoints and you will see the points shortly. Marriott also awards you points by linking your account to Instagram and Facebook.

MarriottRewards

 

Registering for a Marriott Rewards account is free so you have absolutely nothing to lose.  If you want this week’s 1,000 points, you have until 8pm Eastern. Better act fast!