Credit Cards

Category Archives for Credit Cards.

Are points worth what they buy or what they save?

If your employer offered to pay the next $1,100 you earn in pizza, what would you say? Unless you work at a pizzeria and they’re offering to let you sell your pizza share or something, you’d probably be skeptical at best about choosing pizza over cold hard cash. Why? That’s a silly question, but the obvious answer is that you can’t pay the mortgage with pizza, you can’t buy clothes with pizza, etc. The pizza…

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Transferable Points Programs: Amex vs Chase vs Citi vs Capital One

Amex Transfer Partners

In my opinion, transferable points programs are the most valuable points to accumulate.  These points can often be used at better than 1 cent per point value to book travel.  Even better, points can be strategically transferred to airline and hotel programs when valuable awards are available.  If you’re at all interested in free travel or luxury travel with points & miles, then you need to understand the basics of each of these programs. In this post,…

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Does it ever make sense to spend on a Hilton card?

Over the weekend, my wife and I found ourselves in a situation where we could generate a lot of spend at very low cost. That particular opportunity isn’t the subject of this post. Unfortunately, we didn’t have access to our entire portfolio of cards, so we looked for bandwidth where we could find it. We happened to have a Hilton Aspire card on us. Would it make sense to spend on that card to generate…

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Best Category Bonuses: Which card to use where?

Best Category Bonuses Credit Cards

A number of credit cards offer incredible category bonuses.  Citi Prestige offers 5X for dining, airfare, and travel agencies.  Chase Freedom offers 5X in changing categories each quarter.  Amex Gold offers 4X at US restaurants and US supermarkets (up to $25K per year, then 1X).  And these are just a small sample of examples.  Below you’ll find the best card for each type of purchase.  We describe these as the best category bonuses. Best Card…

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Chase Offers Not Available On All Chase Credit Cards (Visa vs Mastercard)

Chase Offers expiry dates 12.04.18

When Chase rolled out Chase Offers in November 2018, they advised that it would be available on all their personal credit cards. A couple of months later, this doesn’t seem to be true. When logging in to the Chase app, all of my credit cards have Chase Offers available with the exception of one card – the IHG Premier credit card. Now, I don’t use the IHG Premier card for anything other than paid IHG stays,…

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Targeted 100K Platinum offer for some

Amex Platinum for Less

Some people are once again seeing a targeted offer for a welcome bonus of 100,000 Membership Rewards points after making $5,000 in purchases on the Platinum Card from American Express via the via the Card Match Tool at CreditCards.com. Recent reports indicate that a new round of people have been targeted (H/T: Doctor of Credit). That’s a good reminder to check periodically for good targeted offers like this one, which is significantly better than the standard offer on…

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60K Hawaiian Airlines offer [1 purchase via paper app / $2K spend online]

The Hawaiian Airlines World Elite Mastercard is offering a welcome bonus of 60,000 miles. If you apply online, that bonus requires $2,000 in purchases in the first 30 days. However, Doctor of Credit notes that if you apply via paper application (distributed in-flight), you can get that same bonus on your first purchase. The Offer Note that this offer is for online applications. As it notes, a paper app available in-flight is reported to offer the same bonus…

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FM vs DoC: Southwest Companion Pass with 1 Card. A great deal or quite weak?

Chase and Southwest stunned the points & miles world yesterday with new offers for their consumer credit cards.  Through February 11, all three Southwest consumer cards are offering new cardholders 30,000 points plus a Companion Pass after $4K spend in 3 months.  The Companion Pass is valid only through 12/31/19. Regarding these offers, our own Nick Reyes said: “Wow!” and “this is a great deal if you’re interested in the Companion Pass”. On the other…

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Citi Rewards+ card now live (15K bonus, maybe a good downgrade option)

We recently wrote about the new Citi Rewards+ Credit Card that was expected to launch soon. That card features the interesting benefit of rounding up all purchases to the nearest 10 points — which oddly bonuses small purchases more strongly than anything else. That card is now live for applications. I suspect that most readers will either find this one not worth applying for or not be eligible, but the fact that it is live for…

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