Keystone

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Best cash back credit card offers

cash vs points

This blog is usually all about points and miles.  The game we play involves acquiring points & miles, usually without traveling, in order to travel nearly for free.  Current events, though, has led some of us to turn towards cash-earning options: new credit card bonuses, new bank account bonuses, cash rewards from spend, cash back shopping portals, etc.  This post is designed to dive into the first in the list: credit card bonuses. The cards…

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The Tools We Use (for playing the game). 2020 Edition.

The post “The Games We Play,” outlines approaches we use to earn more points & miles, to get more from our points & miles, to save money, and to get elite perks for less.  This post lists the tools we use to help us achieve these goals. Table of Contents General tools Earn more points & miles Award bookings Deal seeking Elite perks What should beginners do? General tools for playing the game Social media:…

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Buy points for less: When does it make sense to jump on a deal?

There are times when buying points or miles can make a lot of sense.  If you know what you’re doing, it’s often possible to save a lot of money or get a much better experience.  For example, you may be able to spend $50 on points to book a hotel that would have cost you over $100 if you booked the hotel for cash.  Or, maybe you were planning to pay $2,000 for an international…

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Pay taxes via credit card 2020 edition

My guess is that you don’t like paying taxes.  I don’t blame you.  Fortunately, there is a silver lining.  Paying taxes via credit card can be quite rewarding. The key is to earn credit card rewards that more than offset tax payment fees. For example, if you’ve signed up recently for a card that requires large spend to get a big welcome bonus, paying taxes via credit card can be the solution. Here’s everything you…

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Complete Guide to Travel Companion Tickets for 2020 and Beyond

If you ever travel with others, companion tickets offer the possibility of saving a lot of money or points for the second passenger. This guide describes each companion ticket option available. Since last publication, this guide has been updated to reflect that the Southwest Companion Pass now requires 125,000 points; and to remove the Visa Infinite Discount Air Benefit which is no longer available. Aer Lingus Commercial Companion Ticket American Airlines Companion Certificate Alaska Airlines…

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Chase Ultimate Rewards Complete Guide 2020

Chase’s Ultimate Rewards points can be earned via credit card spend and new account bonuses. Those points can then be transferred to airline or hotel partners, used to pay for travel or merchandise, or converted to cash back.  Chase Ultimate Rewards competes directly with other bank issued transferable points programs: Amex Membership Rewards Capital One “Miles” Citi ThankYou Rewards Below, you’ll find everything you need to know about Chase Ultimate Rewards, edited and updated for…

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A quick guide to transferable points programs

Amex Transfer Partners

Since I’m a points hoarder, I’m a huge fan of transferable points programs.  These are programs that allow you to transfer points to multiple loyalty programs at a fair exchange rate (often 1 to 1).  By collecting points in these programs, you have the ability to book travel opportunistically.  For example, suppose you’re finally ready to book that dream trip to Asia and you find (gasp) that Delta has the best award availability, but you…

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Which is the best Amex Platinum card in 2020?

Over the past few years Amex has made huge changes to their Platinum card line up.  They’ve changed perks, increased annual fees, and eliminated a few co-branded options. Given all of this, it’s time to take a new look at which Platinum card is best.  This post has been updated for the year 2020. American Express has several varieties of their premium Platinum cards.  And, while they’re expensive, they’re loaded with great perks.  Which is…

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Ultimate Rewards Credit Card Travel Insurance

Many credit cards include automatic travel protections when you use your card to purchase travel.  I’ve separately compared these protections for ultra premium cards, here: Ultra-Premium Credit Card Travel Insurance.  In this post, I compare protections provided by each of Chase’s Ultimate Rewards cards including the Sapphire Reserve, Ink Business Preferred, Sapphire Preferred, and more. The following chart summarizes travel insurance provided automatically by each Ultimate Rewards card. Cells in green indicate best in class…

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