Bask Bank 新老用户活动

Earn up to 20,000 Bonus AAdvantage® miles.

Bask Bank is offering 4,000, 10,000 or 20,000 American Airlines AAdvantage® bonus miles to new and existing Bask Mileage Savings Account customers who make new deposits of at least $10,000, $25,000 or $50,000 between June 1, 2023, and August 31, 2023, and maintain the new deposit balance for 180 consecutive calendar days. Bonus miles awarded will correspond to the award tiers outlined in the terms of this offer.

对于每年要使用大量AA miles的,我觉得bask bank的saving 真的挺好的

等效apr好低啊,最高才250x1.6/50000x2=1.6%。
savings本身有多高的利率?

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2.5AA/$1/年

AA mile 按0.42 c/m 交税,对于税高的人,等效APR挺好的

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好像还行. 2.5aa miles相当于4%APR, 和其他的savings也相差不多了。再加上半年的1.6%APR,小赚

感觉最近没有其他有竞争力的bonus的话可以上一下。

要是送LP的话就好了。。。
这个活动哪里看到的?没收到email。

现在bask bank首页就有

这么低?!

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看到了。谢谢。这个offer还不错!

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对 FAQ里的

AAdvantage® miles awarded by Bask Bank for maintaining a deposit balance are viewed as interest income. This income will be reportable to the IRS and to you for the year in which the miles were posted to your AAdvantage® account. Bask Bank calculates an interest equivalent based on a good faith estimate of the value of the miles. Your interest rate and annual percentage yield may change based on a change in either the miles award rate or the estimated value. For tax purposes, miles are considered to have a value of 0.42 cents. At our current rate of 2.5 miles per dollar saved annually, this represents a taxable APY of 1.05%.

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把钱从Bask的Interest Savings Account转到Mileage Savings应该也可以吧。term里面至少没说不行。

假设aa value 2cpp,税率在50%左右,那么存50k年化净利润大约是
(50000+20000)*(0.02-0.002)/50000/0.5=5.04%
我这算得没问题吧,上车了

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你还算低了,因为年利率是2.5 mile / usd 不是 2, 所以半年可以有 62500 + 20000

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我这官网咋写的是100k miles :yaoming:

估计hard code的还没改 :yaoming:

2023的1099 int 一共430多,一共拿了~10w miles。

  1. 假设边际税率50%, 1099 int 的成本就是215
  2. 65K usd 放了半年,假设存其他的saving是5% 收益就是 65K * 0.05 * 0.5 * 0.5 = 812.5

基本就是按 1 cents/mile 买aa miles,还是很不错的。
如果边际税率比较低的话,成本会高一些,最高可以到1.6 cents/mile (完全0%税率)

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心动了,最近还有什么开户活动吗?

这个是不给LP吧