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The 5 Best Sling Bags for Travel: One of them Will be Perfect for You

best sling bags for travel

If your adventurous spirit has you traveling to the four corners of the earth, then you’d better be prepared. Not having the right gear can weigh you down and interfere with precious moments. One of a serious traveler’s most prized possessions, the sling bag, proves to be an essential sidekick to take with you on your journey. We made it our duty to find the very best sling bags for travel.

 

However, you may be feeling stumped trying to find the sling bag that’s most suitable for your needs. It’s understandable because there are a lot of bags on the market. That’s why we’re here to educate you on a few of the best sling bags for travel. With the help of Travel Freedom, you can get back to doing what you love.

 

Top Five Best Travel Sling Bags

Before you run out and buy just any old bag, first consider what you need. If you’re the stylish type, you may be willing to sacrifice weather resistance for a design that stands out.

 

Like most of us, your cargo will probably include some high-tech electronics. For this reason, you may want to set your priority on buying a sling bag with compartments that hold laptops, cameras, tripods and so on. Whatever your needs, it’s important to peruse some of the best sling bags for travel to find that one that’s right for you.

 

KAVU Rope Sling Bag – Best for Style and Comfort

KAVU Rope Sling Bag Price: $44.00 With plenty of great design options to choose from, you can't go wrong with this bag made in Seattle. KAVU Rope Sling Bag

 

KAVU is a company built on the philosophy of adventure seeking and provides travelers with the goods they’ll need for the next escapade. The KAVU rope sling bag is both stylish, ergonomic and able to hold many of your travel items.

 

The material options include comfortable cotton canvas, polyester, and water-resistant polyester as well. No matter which material you choose, you’ll quickly appreciate the ergonomics. The teardrop design rests cozily on your back and an adjustable wrap contours the shoulders. Furthermore, it’s surprisingly spacious and has three exterior pockets.

 

What makes this bag stand out at first sight among the best travel sling bags would be the colorful designs, all 42 of them. There should be little worry about finding the best color and pattern to fit your personality. From dark colors like black oak and dark forest to the bright saffron, KAVU fits right in with adventure.

 

The Pros

  • Multiple fun designs
  • Spacious
  • External compartments
  • Comfortable design

 

The Cons

  • Left side use may feel a little awkward
  • Not the best fit for laptop transport

 

OutdoorMaster Packable Sling Bag – Best Lightweight Bag for Travel

OutdoorMaster Sling Bag Price: $19.99 This compact, yet spacious sling bag for men or women is perfect for travel. OutdoorMaster Sling Bag

 

This bag lets you carry along all your travel necessities with a lightweight design. With 12 liters of volume, it’s like your sling bag is barely there. Avoid feeling weighed down on your hike, trip to the mall and beyond. To top it off, the nylon bag is foldable, making your packing incredibly easy. It will fit nicely into a suitcase or purse until you’re ready to use it. You also get to choose from a variety of colors, adding some glamour to your escapades.

 

A final perk is that among the best sling bags for travel, this one is the most affordable. Lastly, there’s an anti-theft section where you can safely secure your valuables, such as your wallet and phone.

 

The Pros

  • Lightweight design
  • Foldable
  • Anti-theft design

 

The Cons

  • Not enough compartments for some users
  • Less durable material

 

5.11 Tactical RUSH MOAB 10 Military Sling Bag – Best for Strenuous or Off-Grid Trekking

5.11 RUSH MOAB 10 Tactical Sling Bag Price: $79.99 With pockets for everything, this tactical sling bag is perfect for strenuous or off-grid trekking. 5.11 RUSH MOAB 10 Tactical Sling Bag

 

The Rush MOAB (Mobile Operation Attachment Bag) series bags take packing seriously and aren’t for the faint of heart. Rush MOAB 10 is suitable for military officials and ideal for travelers and outdoorsy types. The many outstanding features below earn it a top spot on the list of the best sling bags for travel.

 

This bag has a plethora of pockets, so many that we can’t imagine you’ll ever run out of space for your tools and trinkets. The material consists of 1050D nylon. Additionally, there’s tacky rubber to keep the bag in place while you’re wearing it. There are also Velcro strips attached to the back for nameplates, making sure your possessions aren’t lost in a mix-up.

 

Added perks you might not want to pass up are the scratch-free sunglasses pouch, easy grip handle and built-in hydration valve. It’s also easy to reposition, so you can wear it on your side or in front of you for easy access. These features are ideal for hikers and climbers. Furthermore, the weapon pocket may be handy for scaring off those mountain lions.

 

Even more, it’s one of the few bags available that’s made for both left and right-handed users. There are hidden straps on both sides, and you can choose to use the left or right one while the other stays tucked away. You may also find the extra strap, padding, and ventilation quite useful for the rugged outdoors.

 

The bag is only available in sandstone and black, but the comfort and safety features available clearly outweigh the need for style.

 

The Pros

  • Military grade
  • Water resistant
  • Suitable for lefties and righties
  • Durable
  • Multiple compartments

 

The Cons

  • Not many style choices
  • Shoulder comfort diminishes after long-term wear

 

MyGreen Canvas Cross Body Shoulder Sling Backpack – Best for Carrying a Laptop and Phone

Mygreen Canvas Sling Bag Price: $26.99 This fashionable canvas sling bag is perfect for carrying a small laptop. Mygreen Canvas Sling Bag

 

This vintage messenger bag is both stylish and convenient, making it just as fitting for a camping trip as it is for a trip to the mall. It has durable canvas and leather on the outside and soft, luxurious material on the inside. Style-conscious users will also appreciate the color varieties, along with the leather and metal accents.

 

Though it’s not huge in size, it’s nonetheless quite spacious. The bag’s main compartment can hold items such as a 13-inch laptop, a mobile phone, snacks, wallets and much more. Customers found this bag to be much more spacious than it looks.

 

The magnetic pocket makes securing your items super easy and the mesh pocket with an elastic band secure your water bottles with ease. Furthermore, one feature that sets it apart among the best travel sling bags is it’s suited for both lefties and righties.

 

The Pros

  • Made for lefties and righties
  • Stylish vintage design
  • Contains multiple compartments
  • Suitable for laptop transport

 

The Cons

  • Small size
  • Straps may break over time

 

Altura Photo Sling Bag – Best for Photo Gear

Altura Photo Camera Sling Bag Price: $32.99 Made to carry DSLR and Mirrorless cameras, this bag is perfect for the photographer in you. Altura Photo Camera Sling Bag

 

What’s traveling without captured memories? If it’s important for you to document your travel experiences with a camera, then you need a safe way to carry and protect your tools. The main compartment is equipped with padded dividers to hold your standard zoom lens camera. The top compartment fits flash tools, extra lenses, and other accessories. There’s even an external tripod holder.

 

The padded sling adds comfort and rotates for easy front access to your bag. Mesh and zipper pockets also add comfort and protect your camera’s parts. Among the best sling bags for travel, this one is guaranteed to catch the photographer’s eye.

 

The Pros

  • Designed for photo gear
  • Multiple padded compartments
  • Comfortable sling

 

The Cons

  • There’s not much room for more than camera equipment.

 

Sling Bag FAQ

When considering the best sling bags for travel, there are a few attributes to think about. Some of those considerations include whether to use a sling or a backpack, tips for getting the best out of your sling bag and features to look out for in a sling bag.

 

The Difference Between Backpacks And Sling Bags

Backpacks are two-strap bags that are generally bulkier than sling bags, which have only one strap. The single strap makes sling bags easy to carry and shift position, making them popular among travelers.

 

Avoiding Back Pain Associated With Sling Bags

Sling bags are easy to carry have fewer straps and generally weigh less. However, the bulkiness and larger number of straps you’ll find on a backpack help to evenly distribute weight. This leads to less stress on the back. So, while sling bags are light, stylish and easy to transport, they could be the culprit for lower back pain.

 

Studies have found the correlation between sling bags, backpacks and back pain. Because of stress on muscles like the trapezius, lats, and spine, experts recommend two-strap bags for long-term use.

 

Therefore, to avoid the damage associated with sling bags, we recommend the following tips:

  • Adjust the weight from one side to the other periodically or remove the bag periodically to avoid asymmetrical stress on the back and shoulders.
  • Aim for thicker straps to prevent straps from cutting into your shoulder muscles.
  • Try not to carry more than 10 percent of your body weight.
  • Choose a smaller bag because the smaller the bag, the less likely you are to pack it with heavy items.
  • Remove your bag from time to time or substitute with a backpack.

 

Specific Features To Consider

Features such as design, size, comfort, and materials can make the difference between a bag you pack for every trip and one you give away. Considering each feature will ensure you’re getting what you need in a bag as an individual, not the status quo.

best travel sling bags

 

Comfort

Because sling bags have a tendency to shift weight unevenly, it’s important to find one that’s as comfortable as possible. Also, because we tend to wear them for hours at a time, the best travel sling bags are equipped with thick straps, padding, and an ergonomic design. Don’t let style or necessity distract you from choosing a bag that’s comfortable.

 

Functionality

Among the best sling bags for travel are those that are designed to carry your favorite items with comfort. They are a combination of lightweight, comfort and durability and a built with enough space for your favorite cargo.

 

Size

The best travel sling bags are compact and are easy to transport. For instance, they’re usually considered acceptable to take on board an airplane. Even so, sizes vary. Some can fit laptops, for instance, while others are just suitable for small items like phones, water bottles, and wallets.

 

Be sure that you choose a size that’s bigger than you actually think you’ll need, just in case.

 

Price

Among the best sling bags for travel are those that are both affordable and expensive. The good news is that there’s no need to go beyond your means. There are plenty of affordable and high-quality sling bags out there. Don’t assume a high price equates to quality.

 

Material Durability

Sling bags are usually available in canvas, polyester, nylon, and leather. If you’re looking for a bag to take to school or on a shopping spree, then material materials may not be much of an issue. However, if you’re made for the outdoors, then a material like water-resistant nylon may be more suitable. Be sure to choose a material to fit the environment you anticipate to avoid damaging your bag and your goods.

 

Which Sling Bag Would we Choose?

If we had to choose one from the list of best sling bags for travel, we’d recommend the Tactical Rush MOAB. It’s almost impossible to find yourself lacking space for your travel items. Furthermore, it’s got a comfortable design and durability for harsh weather conditions and getting down and dirty.

 

However, if the price doesn’t sit well with you, we’d recommend the MyGreen Canvas sling bag. Like the MOAB, it’s made for both lefties and rights and has multiple compartments. It also has space for laptop transport, a feature not popular among the best sling bags for travel.

 

 

KAVU Rope Sling Bag Price: $44.00 With plenty of great design options to choose from, you can't go wrong with this bag made in Seattle. KAVU Rope Sling Bag

OutdoorMaster Sling Bag Price: $19.99 This compact, yet spacious sling bag for men or women is perfect for travel. OutdoorMaster Sling Bag

Our Favorite

5.11 RUSH MOAB 10 Tactical Sling Bag Price: $79.99 With pockets for everything, this tactical sling bag is perfect for strenuous or off-grid trekking. 5.11 RUSH MOAB 10 Tactical Sling Bag

Mygreen Canvas Sling Bag Price: $26.99 This fashionable canvas sling bag is perfect for carrying a small laptop. Mygreen Canvas Sling Bag

Altura Photo Camera Sling Bag Price: $32.99 Made to carry DSLR and Mirrorless cameras, this bag is perfect for the photographer in you. Altura Photo Camera Sling Bag

Chase Freedom vs Freedom Unlimited: Is One Better For You?

Chase Freedom vs Freedom Unlimited

The Chase Freedom vs Freedom Unlimited debate is a simple one to tackle.  Both credit cards are very similar, besides one important factor.  How they earn Chase Ultimate Rewards points.  They even have such a similar card name that people often confuse which card is which.  The Chase Freedom credit card is the original card which offers bonus categories that earn 5 points per $1 spent that rotate quarterly.  The Chase Freedom Unlimited credit card is the successor which offers a consistent 1.5 points per $1 spent on all purchases.  The debate of frequent travelers and credit card experts is over which card is better for earning Chase Ultimate Rewards points.

Chase Freedom Credit Card Review

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

3% on all purchases in year 1 (up to $20,000 spent)

No Annual Fee

LEARN HOW TO APPLY >>

Both Cards are Mostly the Same, Except for Earning Points

Everything about the two credit cards is identical besides how they earn points.  We will save you from looking at a comparison chart with only one difference.  We’ll focus in on the one important difference.  First, we’ll briefly run through what the cards have in common.  Both the Chase Freedom and Freedom Unlimited have the following features:

  • $25 for adding Authorized User (2500 Ultimate Rewards)
  • 0% Introductory APR for 15 months
  • No Annual Fee

 

Introductory Offers

While both cards used to come with an introductory offer of $150, now only the Chase Freedom card offers that. The Freedom Unlimited has a new offer. In the first year of being a cardmember, you’ll earn 3% on all purchases up to $20,000 in spend. 3% is double the usual rewards and can earn you up to 60,000 bonus Chase Ultimate Rewards points in the first year. That would be 30,000 more than you’d earn regularly at 1.5%. Is it a good offer? I’ll leave that for you to decide.

 

You’ll Need a Good to Great Credit Score

Note that both cards have a 3% foreign transaction fee, so they aren’t the best cards to use while traveling internationally.  They both also get approvals with credit scores in the range of good to great (670+).  If your credit score is not at this level yet, learn about the credit cards available to those with fair credit.  The one difference these two credit cards have is how points are earned.

 

chase freedom vs chase freedom unlimited pinterest

 

The Chase Freedom earns 5 points per $1 spent on rotating categories, like gas stations, grocery stores, restaurants, department stores, phone bills, or cable bills.  They also have categories such as using Chase Pay or Apple Pay on your phone.  Each quarter there will typically be 3 different categories that earn the 5X bonus.  These category bonuses are limited to $1500 of spending each quarter.  So, the maximum amount of points earned per quarter is 7,500.  All other purchases will earn 1 point per $1 spent.

 

The Chase Freedom Unlimited has no rotating categories, and simply earns 1.5 points on each and every purchase.  It has no spending limit for its earning rate.  The Chase Freedom Unlimited vs Freedom debate comes down to which of these two no-fee credit cards is best for you.

 

Let’s compare the Chase Freedom vs Freedom Unlimited using the scenario of a person who spends $2,000 per month.

 

ScenarioQuarterly Points Earned with FreedomQuarterly Points Earned with Freedom Unlimited
1. Max Out All Quarterly Bonuses80003000
2. 50% of Spend in Quarterly Bonuses50003000
3. 25% of Spend in Quarterly Bonuses35003000

Chase Freedom Unlimited Review: Better for Simplification

The Chase Freedom Unlimited is great for people who don’t want to worry about where and when they spend their money, but still want an elevated rate of earning points. By earning 1.5 points per $1 spent on all purchases, you can simply use the card and earn the same amount of points on everything. Never worry about going to a certain store or gas station, or activating any category bonuses. This card is for no-nonsense people who just want simplicity. If this is you, the Chase Freedom Unlimited would be a great addition to your wallet.

 

Chase Freedom Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 3% per dollar on all purchases in the first year. (up to $20,000 in spend)
REWARDS
You'll earn 1.5% back on all purchases. (after year 1) No limit.
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You earn 1.5% per dollar (3% year 1) and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

Chase Freedom Review: Better for Maximizing Points

The original Chase Freedom card is better for people who are looking to maximize their points earning with every purchase.  Because Chase Freedom has very good category bonuses, it’s possible to get nearly the full amount of bonus points per quarter (7500).  Many of the category bonus merchants even have gift card racks.  Gift cards can be bought to make purchases at the stores you regularly go to.  This technique can allow you to earn 5X points on nearly everything.  Personally, if we could only have one of the two cards, we would choose the Freedom because we’re willing to put in the extra effort to maximize points.

 

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

chase freedom unlimited vs chase freedom

 

Chase Freedom vs Freedom Unlimited: How About Both?

Why treat these cards like competitors when they can play together quite nicely?  Like Kevin Durant and Stephen Curry playing together on the basketball court, these two credit cards can be champions together (NBA reference).  If you pair the two credit cards, you can earn 5X points on all Chase Freedom category bonuses and 1.5X points on everything else using the Chase Freedom Unlimited.  This will give you the best of both worlds and a killer point earning combination.  Double the freedom has to be a good thing, right?

 

Transfer Points to a Premium Chase Card For More Value

Here’s a little secret that you’ll want to know if you have any Ultimate Rewards points.  When Chase Ultimate Rewards are redeemed using either of the Freedom credit cards, points are worth 1 cent each.  But, because Chase Ultimate Rewards points are transferable between different cards, and even between different people (only household members), point values can be multiplied.  With a few of the other premium Chase credit cards, it’s possible to redeem points at a higher value.

 

Upgrade your Ultimate Rewards

When redeemed through the Chase Ultimate Rewards travel portal, points are worth 1.25 cents with the Chase Sapphire Preferred or Chase Ink Preferred and 1.5 cents with the Chase Sapphire Reserve.  All three of these credit cards also come with the ability to use Chase’s travel transfer partners.  By transferring to some of their travel partners at a 1:1 ratio, it’s possible to redeem points for well over 2 cents each.  If you’re able to have one of these premium Chase credit cards to go along with your Freedom or Freedom Unlimited, it always makes sense to transfer points before redeeming.

transfer chase ultimate rewards

 

Chase Freedom Activate Quarterly Bonuses

In order to be eligible for the Chase Freedom 5X quarterly bonus categories, you’ll need to activate your card each quarter.  You’ll visit this Chase web-page and fill out your last name, last 4 digits of your card, your zip code, and press enter.  That’s all.  It’s very simple, and Chase will even send you reminders via email.  For your category bonuses to work, you’ll need to activate your Chase Freedom by the middle of the last month in that quarter.  For instance, you must activate your card by December 14th, 2018 to be eligible for the quarter 4 bonuses in 2018.  With Chase’s reminders and the fact that you’ll want to know what the bonus categories are, it’s easy to remember to activate your card.

 

Chase Freedom Calendar: Rotating Categories

To see the current and upcoming Chase Freedom 5X bonus categories visit the Chase Freedom Calendar.  You’ll also be able to activate your card on the same page.

chase freedom calendar spring 2019

 

If you’re looking to add a great credit card for earning points by spending, either the Chase Freedom Unlimited or Freedom are great additions to any wallet.  They are very similar cards with that one large difference.  How points are earned through spending.  Pick which card fits your style best, or even better, go with both.

 

Definitely look into the other Chase Ultimate Rewards credit cards to partner with these so that you can both maximize your earning and your point redemptions.  Just think, if you can earn 5X points on every $1 spent, and then redeem those points for a value of 2 cents or more, you’re essentially getting 10% or better back in value on your spending. That’s pretty impressive, compared to the typical 1% cash back earned with other cards.

Chase Freedom Credit Card Review

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

3% on all purchases in year 1 (up to $20,000 spent)

No Annual Fee

LEARN HOW TO APPLY >>

Chase Credit Card Application Status: How to Get Approved

chase credit card application status

After applying for a credit card, you’ll receive one of three different Chase credit card application status messages. You will either be instantly approved, denied, or your application will be marked as pending.

 

No matter what message you get, you can still be approved for the Chase credit card that you applied for. If your card is approved instantly, you have nothing to worry about. Your card will be mailed to you, typically within a week. On the other hand, if your card is instantly denied, it may be harder to get approved, but you can still call the Chase reconsideration line to have a human review your application. If your application is “pending”, it usually means that Chase will take a few extra days to make a decision on your approval.

 

If you contact Chase by phone or online to determine the status of a credit card application, you may find out that your application is under review or pending. This means that it has not yet been approved or denied. However, you will most likely receive the bank’s decision concerning your Chase credit card application status within 7 to 10 business days after you apply for a card. In some cases, Chase has been known to take up to 30 days to decide whether to approve or deny a card application.

 

After waiting for the ten days, you may want to contact the Chase customer service department by phone or on the bank’s website concerning your Chase credit card application status. A member of the customer service team may be able to give you updated information and details about the status of your card request. Of course, all Chase credit card applications are classified as “under review” at some point, whether for a minute or for a number of days.

chase card application status

 

How to Check Your Chase Credit Card Application Status

  • Online: If you have a Chase online account, in the search bar on the top left, select “application status”.

  • Phone: for automated information regarding card applications: 1-888-338-2586

If you do not yet have a Chase online account, you can open an account using your Social Security Number and your credit card application number. This will make it easier for you to check your Chase credit card application status quickly.

 

3 Possible Results After Receiving a Pending Application

  1. APPROVED: You may be notified by email or snail mail that your Chase credit card application status is “approved”, and your card should arrive within another week to ten days
  2. DENIED: You may receive notice that your application has been denied, with a follow-up letter containing a full explanation arriving within 7 to 10 days
  3. MORE INFO NEEDED: You may receive a request from the bank for additional information to correct or clarify one or more items on your application.

 

If your Chase credit card application status decision is taking longer to be determined than you expected, do not get discouraged. The bank takes time to review a number of different factors before deciding whether or not to accept you as a credit card account holder. These creditworthiness factors include your income, credit history, debt status, housing type and the number of credit card accounts you have opened recently. If your application is approved and you want to skip waiting for another 7 to 10 days to receive your new credit card, you can notify customer service to request expedited 72-hour delivery of your card. This may or may not come with a fee.

 

What if Your Chase Credit Card Application is Denied?

If you are denied for a Chase credit card, there is no need for despair or to have discouragement. All applications are automatically reviewed without a human taking a look. You always have the option to have a Chase rep look at your application to see how they can get your approved. After denial, the bank may suggest other credit card types that you may be eligible to apply for with a better chance of acceptance. Your options may include cards with lower credit allowances and secured credit cards for which you pay an initial deposit amount that can be refunded after you gain status as a responsible cardholder and bank customer.

 

However, the bank may not offer you the opportunity of applying for other types of credit cards with Chase. Instead, your card denial notification may include suggestions about how to improve your credit rating before applying for future cards or credit lines. If you receive only tips for acquiring a better credit report, be aware that there is further action that you can take concerning your denied application for credit. You should consider taking further action because Chase will often approve a previously denied application when it’s reviewed by a person.

 

Calling the Chase Reconsideration Line

No one likes rejection from a bank, especially when it involves a request for additional credit for more purchasing power. Whether you are rejected as a credit card holder due to delinquencies appearing on your credit report or because of too many open and active accounts, rejection of your request is never pleasant news. However, you should know that you can always request reconsideration of your Chase credit card application status.

 

Chase Reconsideration Line Phone Number: 1-888-270-2127

 

It is not generally known by many consumers that an applicant’s first card rejection is usually issued by a computerized acceptance/rejection program. This program operates based on an algorithm structured to reject applicants with certain entries on their credit histories. For this reason, it can be very worthwhile to request that your application is reconsidered if your initial card request is denied. I’ve personally been denied for many cards by their algorithm and then been easily approved after a human review. I did this by calling the Chase reconsideration line.

chase application status

 

Legally, you can always contact a bank representative to request a second review of your Chase credit card application status using any additional information that may strengthen your chance of acceptance. According to the Equal Credit Opportunity Act, creditors must take into consideration all information supplied by the credit applicant that gives any indication that the credit history being reviewed lacks full transparency of the applicant’s true creditworthiness.

 

In general, your likelihood of gaining acceptance as a credit card holder via a reconsideration request will depend on your ability to refute, update or negotiate any damaging data on your credit report. If a credit score lower than the score required for obtaining a Chase card is what caused your application to be disapproved, be sure to point out any errors on any and all of your credit bureau reports. If low income kept you from getting approval for your Chase credit card application status, make sure that your latest credit report data includes your current salary or income level. Often times a denial will happen due to the number of credit cards you already have. In this case, you’ll want to be able to tell the Chase representative why you might need a new card and what benefits of this card differ from what you already have.

 

How to Request Reconsideration of Your Application

If you don’t already have a Chase online account, you can either call the bank or write a letter to request reconsideration of your Chase credit card application status. You can make a phone call if you’ll be able to make a strong, effective request for a second review of your application without the use of supporting documents. As a current Chase customer with an online account, you can also use the secure message center to request reconsideration. I’ve had cards reconsidered both by calling and through the secure message center on the Chase website.

 

However, if you think that your request requires a review of additional backup data and information to bring good results, mailing your request as a letter with these documents attached would be the best choice or ensuring an approved Chase credit card application status.

 

Some credit card application rejection notices include a bank contact number that you can call for a more detailed explanation of your denial of a Chase credit card. If you received a rejection notice without a phone number included, you can obtain a contact number for your bank’s card application status information and a mailing address in online website listings of bank credit cards to apply for. You can also locate this information on the Chase.com website under “credit cards” when seeking your Chase credit card application status.

 

5 Tips for Your Chase Card Reconsideration Request

 

Understand the Reasons for Your Credit Card Denial

If your credit card application is denied, your rejection notice should include reasons for this denial. If none are given, you are entitled to request these reasons during the 60 days following the date of your card rejection date. You will need these reasons if you intend to dispute your denial of a credit card from Chase Bank and ask for reconsideration of your Chase credit card application status. Knowing why your request for a card was denied will also help you focus on items on your credit report that need the most improvement.

 

If Chase’s reasons for refusing your application for a charge card seem to be in conflict with your credit report and rating, you should immediately contact a bank representative to discuss these differences. Sometimes, credit reports can include errors as well. There may be negative items that should have been removed from your report by now. Be sure to review your credit reports from all three major credit bureaus thoroughly to ensure accuracy.

 

Request Reconsideration Quickly after Denial

For getting faster reconsideration of your Chase credit card application status, it is best to ask for reconsideration within a few days after you receive your card account denial notice. If you delay and wait a few weeks or a month or more to send your request for a second review of your application, it may be treated as a new application. This could mean accruing another hard inquiry on your credit report and losing points on your credit rating.

 

Build a Good Case for Approval Before Calling

Review the strengths and weaknesses in your credit report carefully before requesting a second review of your Chase credit card application status. If your credit report shows missed or late payments in the past, be sure to point out to the bank representative who reconsiders your application that you have since paid on time for the last 20 months. You want to look like a responsible and reliable potential cardholder with Chase.

 

State Why You Value Being a Chase Customer

State clearly and convincingly why you want to become a Chase credit card holder and why you value this card. Reasons like wanting the travel advantages and the advanced EMV chip safety feature offered by Chase will help you gain reconsideration for card issuance. Be polite, but firm in expressing your interest in and desire for having a new credit card through a reassessment of your Chase credit card application status. If you’re already a Chase customer make sure to say that you are a loyal customer and would like to continue doing business with them.

 

Negotiate Your Credit Line if Needed

If all else fails to win acceptance for a new Chase card in your name, you may want to negotiate a “deal” like offering to accept a lower line of credit until you prove that you are a responsible and dependable cardholder. You should negotiate only after trying to gain “approved” as your Chase credit card application status by other means. You want to avoid appearing to lack confidence in your ability to maintain a good account or seeming like you are desperate for another credit card.

 

As a current Chase cardholder, you can also negotiate to move some of your credit line from another card to add room for your new card. It’s also sometimes possible to close an old card in order to be approved for the new card. In this case, you’ll also want to move the credit line over to the new card as it will help your credit score.

chase credit application status

 

7 Best Chase Credit Cards to Apply For

If you’ve yet to apply for your Chase credit card, here are the best Chase credit cards and some of their benefits. You can review them to be sure you’re choosing the best card for you. Chase is known for having some of the best signup bonuses and benefits of any credit cards.

 

Personal Chase Credit Cards

 Sapphire Preferred
Sapphire Reserve
Chase Freedom
Freedom Unlimited
Signup Bonus60,00050,000$150 (15,000 pts)3% on all purchases in first year (up to $20,000 in spend)
Bonus Spending Categories2X on travel and dining3X on travel and dining5% on select rotating quarterly categories1.5% on all purchases after year 1 (no limit)
Annual Fee$95$450$0$0
Extra PerksBaggage insurance, trip insurance, rental car insurance$300 annual travel credit, TSA PreCheck or Global Entry, Priority Pass SelectPurchase protection, extended warrantyPurchase protection, extended warranty
Best for People Who...Want a large introductory bonus

Like to Travel
Want a large introductory bonus

Want luxury travel benefits

Travel often
Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simplicity in earning points
Learn More >>Learn More >>Learn More >>Learn More >>

 

Business Chase Credit Cards

 Ink Bus. Preferred
Ink Business Cash
Ink Bus. Unlimited
Signup Bonus80,000$500 (50,000 pts)$500 (50,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>

 

Alternative Methods to Apply for a New Credit Card

If your final Chase credit card application status ends with a denial there are always other good opportunities to explore and consider. For example, you can always apply for a card from another bank or other credit card issuer. Since every credit card application acceptance is based on somewhat different criteria, you may be successful in being approved for a card through another issuer.

 

You can also apply for a credit card with lower requirements for acceptance if you do not gain the Chase credit card application status of approval. Although it may seem better to apply through a different bank or credit card issuer, it can be to your advantage to apply through Chase again. By choosing this route, you are reinforcing your interest in becoming a Chase card account holder and reaffirming the fact that you value having a Chase credit card. By staying in touch with a bank credit division representative throughout the entire re-applying process, you may gain prompt approval.

 

You can also apply for a secured credit card with Chase Bank if you do not receive “approved” as your final Chase credit card application status. These cards do require that you pay a security deposit (that is later refundable) to the bank or other card issuing company, but they are excellent credit building and repair tools. Why not enjoy the use of a credit card from a valued issuer while increasing your likelihood of approval for a higher tier card and line of credit in the future? You can gain the card issuer’s approval for additional credit while enjoying use of your new charge card.

 

Once you understand the Chase credit card application status and how best to respond to each phase of your card request’s approval, denial or pending status, you will become more confident and successful at obtaining a new charge card from Chase. When you are fully aware of ways to reverse a card application denial and other options that are available for gaining additional credit cards and credit allowances, the process will be more relaxed and free of stress.

 

You will also gain valuable knowledge about ways to improve your credit report and rating to ensure greater success at obtaining new cards and more credit in the future. You will benefit from some very valuable information along the path to obtaining the desired rating of “approved” as your final Chase credit card application status.

The 11 Best Flight Search Engine Options: Are They All the Same?

best flight search engine

Trying to get the best possible deal on a flight is important. You want to be able to use your money as effectively as you possibly can when it comes to travel. For this reason, it makes sense to take your time to see all of the available prices. In order to do this, you can make use of the best flight search engine options to get the necessary information and the most beneficial result.

 

There are actually many different flight search engines out there that you can use. If you are new to the idea of searching for flights in this way, then you may be at a loss for where to turn. Where are the best flight search engines and how do you know which ones are worthwhile? Travel Freedom is here to help you out by answering that very question.

 

The 11 Best Flight Search Engine Options

Today we will be taking a look at the best flight search engine options on the Internet. We will be going over several of the options that will give you the best results. This should help to make getting a fantastic deal on your flights easier than ever. You will be able to use these search engines any time that you have a trip coming up and will always be able to compare the various flight options available to you thoroughly.

 

Google Flights

It should come as no surprise that Google Flights is among the most popular options available. People use Google Flights to find the best flights at the lowest prices. It has a very clean interface that looks appealing and will be easy to make use of. You will be able to search using the map and will see which travel dates have the lowest fares right away.

google flights best flight search engine

 

This is one of the best options for people who want to have a simple, streamlined experience while searching for a flight. Simple does not mean that it is lacking in any way, either. You will be able to find the flight dates that will save you the most money in a short amount of time. The search-by-map function is very intuitive and you can enter either firm dates or a flexible period of time.

 

Google Flights even allows you to track fares on dates that you have selected. You can receive updates via email so that you will know if anything has changed. This keeps you in the loop and makes it easy to jump on things if you see that a price has dropped. This is a very user-friendly flight search engine that comes highly recommended.

 

CheapOAir

CheapOAir has been helping people to find flights as conveniently as possible for a long time. This website allows you to look through all of the available options in a very streamlined way. You will be able to find the cheapest options for direct flights and it will also help you find flights by your desired airline. The charts at CheapOAir are very easy to read and you should have no trouble making use of this website.

cheapoair best flight search engine

 

This website is also good at providing you with the necessary information. You will be able to take a look at things such as baggage fees and fare rules. Certain US airlines will also give you access to a seating chart so that you can see the plane layout. A seat-selection map will be available for some US carriers.

 

It mostly prioritizes nonstop prices over the ones that have stops. Even so, it does give you many options to customize how you are searching for flights. The booking fees of this site are fairly low at only $35 per ticket. You should be able to get a very good deal on a flight when you make good use of this search engine.

 

OneTravel

One Travel is a flight search engine that is starting to gain in popularity. It actually has a very similar interface when you compare it to Google Flights and this is not a bad thing at all. This website is very easy to read and you should not have any trouble finding the information that you are looking for. You will be able to search this website to quickly find the least expensive options if that is what you are looking for.

onetravel best flight search engine

 

Interestingly, this site allows you to enter your departure date on a calendar system and will then bring up prices automatically. This allows you to get a quick glance at what to expect in case you want to search for other dates that may provide you with a lower price overall. It allows you to save time by finding the least expensive travel dates more quickly, making the overall experience that much more convenient.

 

You will need to pay a $35 travel service fee per ticket when you use this flight search engine, though. Overall, this is not too unusual for these types of websites. One potential problem is that sometimes this search engine seems to show flights that include at least one stop toward the top of the search results. If you prefer nonstop flights, then this may be a slight annoyance as you will need to scroll and look a little deeper.

 

Kayak

Kayak is one name that you have almost certainly heard of. This website has been helping people save money on their travel expenses since the mid-2000s. It offers users a powerful search engine that will allow you to see all of the available flights and fares. This is still among the most powerful flight search engines available and is made to be as easy to use as possible.

kayak best flight search engine

 

You can have a very convenient experience when using the Kayak search engine. It allows you to program fare alerts so that you can track prices on your desired flights or flight dates over time. It is easy to use this system and it always keeps you in the loop when any changes occur. This is a simple way to get a great deal on a flight and you will always find many options to consider.

 

One potential negative of this site is that it is loaded with various ads. It does not really hinder your experience in any way but it may bother some people. If you prefer a flight search engine with no ads, then Google Flights offers similar functionality. Otherwise, this site has traditionally saved people a lot of money on airfare over the years.

 

It boasts having a “hacker fares” system that can piece together various one-way flight tickets. It can allow you to save money if you are willing to take the extra time to get where you want to be. When you combine unique features such as this with its many filter options and the robust set of tools, you can see how good this search engine is. This is one of the best options for most people who want to save money on airfare.

 

Momondo

Momondo is an interesting flight search engine option that some people are going to be able to use very well. Momondo does a very good job of searching a wide swath of different available flights on a given date. It actually manages to catch various options that certain other flight search engines regularly miss. For this reason, it has been able to save people money on flights quite often.

momondo best flight search engine

 

The problems with Momondo start to pop up due to how it is set up. Using the search engine is easy enough but it does not always give you the most information right away. Whereas some flight search engines such as CheapOAir give you many transparent pieces of information about the flight, Momondo does not do this. Instead, you often have to click through on a flight to see things such as how much it costs, what airline the ticket belongs to, and more. This all probably sounds really bad and it is kind of an annoyance.

 

Regardless, Momondo has a lot of positive things to offer the flight search engine debate. It shows results from Southwest Airlines, which many flight search engines do not do. Southwest Airlines may not always be listed but it seems to search a wider variety of different flights than many of its contemporaries. Momondo also searches various fares from smaller OTAs so you are likely to get a good deal when you use this search engine to its full potential.

 

If this search engine could make a few changes to become more user-friendly, then it would truly stand out as one of the very top options. As it stands, this flight search engine is still good for certain purposes. It deserves a spot on the list because it offers some extra benefits by being able to catch flights that other search engines seem to miss. Depending on how you feel about the lack of transparency, you may be better off seeking out one of the more tried-and-true flight search engines.

 

Travelzoo

Travelzoo is definitely a little bit different from the flight search engines that have been listed so far. What makes this one stand out is that it is more focused on helping you to search for broad timelines rather than specific dates. For example, if you want to travel to Hawaii in the autumn, you will be able to search that period of time to see the available deals. It allows you to search by month and season rather than searching specifically for one date that you had in mind.

travelzoo best flight search engine

 

This could either be a nuisance or a very good thing, depending on your perspective. If you want to be able to save a lot of money, then this could really come in handy. Travelzoo lets you benefit from your ability to be flexible on your dates. It has the potential to help you find very cost-effective business class flights and you can even find deals on multi-city itineraries that can help make your vacation a reality.

 

Of course, this is not going to work out quite so well for those who have very specific plans in mind. If you are trying to travel to a specific place for your mother’s birthday, then you may want to rely on a more traditional flight search engine. This one is worth keeping in mind when you want to reap the rewards of deep discounts and you are capable of adjusting your schedule accordingly. Look into it if you think that you can take advantage of how this search engine works.

 

BookIt

BookIt is another great option to consider when you want to be able to have an easy experience. Unlike some of the other flight search engines on this list, the BookIt interface is very clean and simple to read. This is going to show you results for your searched flight dates on a chart. The chart can be read easily and all of the important information is going to be right there in front of you.

bookit best flight search engine

 

You will be able to see which flight has the best price as it will be very clearly marked with a “best price” logo. Other important information such as how many stops a flight has will also be clearly visible. It makes it very simple to see which options are going to be appealing to you at a glance. Many people are going to prefer this chart to the endless scrolling that some other flight search engines will offer.

 

There are some potential negatives that may make you think twice about using this as your primary flight search engine. It has booking fees and it is not always transparent about how much these fees are going to cost you. Even so, this is among the easiest ways to compare flights. You do not have to keep scrolling and trying to keep track of the best deals and shortest layover times when all of that information is on the chart right in front of you.

 

TripAdvisor Flights

TripAdvisor Flights is an offshoot of the popular TripAdvisor hotel reviews site. They have created a convenient flight search engine tool that works very well to help users find good deals. You will be able to get many results when using this search engine and it even pops up other flight search engines that will allow you to compare things with a simple click. It is a very transparent site that is easy to use.

tripadvisor best flight search engine

 

As an added benefit, you will also be able to easily access reviews of certain airlines and their fares. There are many user reviews of the various airlines that you will be searching. It can give you some information on what to expect if you are thinking of flying with an unfamiliar airline. If you like being able to empower yourself with information ahead of booking a flight, then this should come in handy. It can help you to avoid booking a flight with an airline that will not provide you with an optimal experience.

 

This flight search engine also has the traditional convenient tools that you should expect. You can easily check boxes to make sure that the results will prioritize non-stop flights. It makes it easy to find the information that you need and you should be able to use this search engine to its full potential without any trouble.

 

Expedia

Expedia is a website that is among the most popular options for finding flights. Users can use this search engine to find flights and will be able to also book hotels or rental cars from the same site. Essentially, this is a one-stop solution for everything that you may need for an upcoming trip. Some people may find it annoying that the site pushes hotels when you just want to look for flights, though.

expedia best flight search engine

 

One good benefit of using Expedia is that it does not charge you any booking fees when you book a round-trip flight with the same airline. This helps to keep your costs a little bit lower and will certainly come in handy. It also allows you to easily see plenty of information about your flight before checking out. You will be able to easily gain access to baggage rules, seating charts, information on cancellations, and much more.

 

This flight search engine has a good interface that is simple enough to use. You can use it to help find a good deal on a flight and that is what counts. It is transparent about any fees and allows you to avoid fees on round-trip flights booked with one airline. So long as you use this option properly, it should be easy to find the best deal on your desired flight.

 

Travelocity

Just about everyone is familiar with Travelocity due to their marketing presence. What many people are not aware of is the fact the Travelocity and Expedia are actually the same thing. These two sites are affiliated with Expedia owning Travelocity. The only real difference between the two is that the colors of the websites are different.

travelocity best flight search engine

 

There are some minor differences in how the site is organized too. For instance, Travelocity does not allow users to search for flexible dates. Expedia does have this option. Overall, you will have a very similar experience when using both Travelocity and Expedia.

 

Skyscanner

Skyscanner is a lesser-known flight search engine but often has better prices. They’re used by over 80 million travelers monthly to find not only flights, but hotels and rental cars as well. They also have an app for searching for flights on your cell phone. Skyscanner also allows for multi-city searches for those who are looking for a stopover or open jaw flight. You can find any flight you’re looking for on Skyscanner.

skyscanner best flight search engine

 

As a lesser-known entity, Skyscanner is one of the best flight search engines. It’s capable of searching whatever type of flight you’re looking for and comes back with some of the best results.

 

Testing for the Best Flight Search Engine

Each flight search is going to be unique and has differing results as to which is the best flight search engine, but we tested them out with an upcoming trip anyway. We’d like to visit Vancouver Canada during the Memorial Day holiday weekend this year. Let’s do a flight search on each of the best flight search engines to see what the results are. For each, we will check only for the best price available for 2 adults to fly from PDX to YVR on May 25-27. Keep in mind that the best price is not always the best option. The cheapest flight may cost slightly less, but have a much longer trip time.

  • Google Flights: $268
  • CheapOair: $248
  • OneTravel: $240 << WINNER
  • Kayak: $263
  • Momondo: $263
  • Travelzoo: No deals available
  • BookIt: $305
  • TripAdvisor: $308
  • Expedia: $265
  • Travelocity: $265
  • Skyscanner: $286

 

As you can see, the results vary by flight search engine. The best flight search engine, in this instance, is OneTravel. When searching for a flight, I’d suggest comparing multiple flight search engines before buying. A few of the best flight search engines above allow you to compare prices between each other which makes this simple. Another place to search is through Costco Travel if you’re a member.

 

Our Conclusion: Is there Really a “Best Flight Search Engine”?

If you use any of the flight search engines mentioned above, you should be able to have a good experience. They all have their own quirks and benefits. Only Travelocity and Expedia are exceedingly similar (since they have the same ownership). Otherwise, it may be helpful to see what each of these sites has to offer you before pulling the trigger on your purchase.

 

Finding a great deal on your next flight will not be hard at all. Just use these flight search engines properly and you’ll be able to save the most money possible. It will keep more of your hard-earned money in your wallet and you’ll have more money to do things on your vacation.

Chase Freedom Calendar 2019: How to 5X Your Ultimate Rewards

chase freedom calendar spring 2019

Are you looking for the current Chase Freedom Calendar?  We have the current Chase Freedom rewards calendar as well as all the old calendars dating back to 2013.  The Chase Freedom is a great credit card for earning Chase Ultimate Rewards points on purchases. It earns 5X points on quarterly rotating category bonuses. Over the years these bonuses have ranged from grocery stores to gas stations. From movie theaters to Amazon. And, from restaurants to warehouse stores.

 

Not only does the Chase Freedom credit card have great category bonuses, but it also has no annual fee. Remember to activate your card each quarter. You’ll be reminded through email so it shouldn’t be too hard to remember. Here is the current Chase Freedom cash back calendar: (Remember to activate each quarter)

 

Chase Freedom Calendar 2019

The 2019 Chase Freedom Calendar offers a couple of popular quarterly category bonuses in quarter 2. Grocery stores and home improvement stores should be easy to utilize with those Spring projects you’ve got waiting to be finished. Not seeing Chase Pay on the list once again is a bit surprising. Maybe they’ve finally ditched trying to push Chase Pay. Has anyone actually used it for any reason other than earning extra points? Anyway, it should be possible to maximize the bonuses each quarter. I’ve marked categories that sell gift cards to other stores (*):

  1. Gas Stations*, Tolls, Drugstores*
  2. Grocery stores*, Home improvement stores*
  3. Not Announced Yet
  4. Not Announced Yet

chase freedom calendar spring 2019

 

Here’s What the Chase Freedom Card Offers

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

Did You Know: You Can Multiply the Value of Your Ultimate Rewards?

Not everyone knows about it, but there’s a secret trick that can double the value of your Chase Ultimate Rewards. Chase Ultimate Rewards are worth just 1 cent each when redeemed using the Chase Freedom card.  Even though Chase doesn’t announce it, your Ultimate Rewards points are transferable between different Chase card accounts. They’re even transferable between different peoples’ accounts (household members). This is important because, with some of the premium Chase credit cards, it’s possible to redeem points at a higher value.

 

Double Your Ultimate Rewards Value

If you redeem Chase Ultimate Rewards through the travel portal. Only certain Chase credit cards have access to the travel portal though. The Chase Sapphire Preferred or Chase Ink Preferred offers 1.25 cents per points (25% more value) while the Chase Sapphire Reserve offers a whopping 1.5 cents per point (50% more value) by redeeming points through the travel portal!

Chase Freedom Rewards Calendar

 

Credit Cards with Chase Travel Portal Bonuses:

 

All three of these credit cards also come with the ability to use Chase’s travel transfer partners. You can transfer Ultimate Rewards to these travel partners at a 1:1 ratio. By using your points with airlines or hotels it’s possible to redeem points for well over 2 cents each. Pairing these premium Chase credit cards with your Freedom card multiplies your redemption value by double more.

 

Chase Sapphire Preferred

Introductory Offer:

You'll earn 60,000 points after spending $4000 in the first 3 months.

Rewards:

You'll earn 2X points on travel and dining.

Benefits:

Points are worth 25% more when used in the Chase travel portal.

No foreign transaction fees.

1:1 point transfer partner hotels and airlines.

Annual Fee:

$95

Our Thoughts:

This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.
LEARN MORE >>

 

Chase Sapphire Reserve

Introductory Offer:

You'll earn 50,000 points after spending $4000 in the first 3 months.

Rewards:

You'll earn 3X points on travel and dining.

Benefits:

$300 annual travel credit.

Priority Pass Select airport lounge access.

TSA PreCheck or Global Entry.

Points are worth 50% more when used in the Chase travel portal.

No foreign transaction fees.

1:1 point transfers to partner hotels and airlines.

Annual Fee:

$450

Our Thoughts:

This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.
LEARN MORE >>

 

Ink Business Preferred

Introductory Offer:

You'll earn 80,000 points after spending $5000 in the first 3 months.

Rewards:

You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.

Benefits:

Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.

Annual Fee:

$95

Our Thoughts:

The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.
LEARN MORE >>

 

Past Chase Freedom 5% Calendars

If you’re interested, here’s what was offered in the past. The Chase Freedom calendar’s category bonuses have evolved over the years. For the most part, the offers have become better and better. Having the Chase Freedom in your wallet has been quite the benefit over the past few years if you were able to maximize it’s category bonuses.  Each year it’s possible to earn up to 30,000 points, which is more than enough to take a round-trip flight.

 

Chase Freedom Calendar 2018

2018  was the year of Chase Pay as it was a bonus category three out of four quarters.

  1. Gas Stations, Internet/Cable/Phone Services, Chase Pay/Google Pay/Apple Pay/Samsung Pay
  2. Grocery Stores (not including Walmart & Target), Paypal, Chase Pay
  3. Gas Stations, Lyft, Walgreens
  4. Department Stores, Wholesale Clubs, Chase Pay

Chase Freedom Calendar wide

 

Chase Freedom Calendar 2017

2017 was a good year for maximizing the bonus categories each quarter. It also introduced Walmart as a category bonus in quarter 4:

  1. Gas Stations, Transportation
  2. Grocery Stores, Drugstores
  3. Restaurants, Movie Theaters
  4. Walmart, Department Stores

Chase Freedom Calendar 2017

 

Chase Freedom Calendar 2016

2016 was very similar to the previous year.  It gave a decent shot at reaching the maximum bonus rewards each quarter.  Wholesale clubs were very popular:

  1. Gas Stations, Transportation
  2. Grocery Stores, Wholesale Clubs
  3. Restaurants, Wholesale Clubs
  4. Department Stores, Wholesale Clubs, Drug Stores

Chase Freedom Calendar 2016

 

Chase Freedom Calendar 2015

In 2015 the categories got a little bit better.  There was a real chance of maximizing the category bonuses:

  1. Grocery Stores, Movie Theaters, Starbucks
  2. Restaurants, Bed Bath & Beyond, H&M, Overstock.com
  3. Gas Stations, etc
  4. Amazon.com, etc

Chase Freedom Calendar 2015

 

Chase Freedom Calendar 2014

2014 was a little more useful than 2013, giving customers a better chance of maximizing their bonuses each quarter:

  1. Gas Stations, Movie Theaters, Starbucks
  2. Restaurants, Lowe’s
  3. Gas Stations, Kohl’s
  4. Amazon.com, Zappos.com, Select Department Stores

Chase Freedom Calendar 2014

 

Chase Freedom Calendar 2013

2013 brought us a selection of category bonuses, but some of them were difficult to maximize.

  1. Gas Stations, Drugstores, Starbucks
  2. Restaurants, Movie Theaters
  3. Gas Stations, Theme Parks, Kohl’s
  4. Select Department Stores, Amazon.com

Chase Freedom Calendar 2013

 

As you can see, having a Chase Freedom credit card can pay off. Earning 5X points on many purchases can earn you a free round-trip flight each year or more. When you bundle your Freedom card with other premier Chase credit cards, you can redeem those points for even more. The Chase Ultimate Rewards system is the best in the market. The Chase Freedom is one of the easiest ways to earn Ultimate Rewards. If you don’t have one yet, you should think about adding it to your wallet.

Delta Reserve for Business Credit Card Review: The Premium Delta Card

delta reserve for business review

Finding the right business travel credit card to keep in your wallet can really improve your overall experience. When you have access to a good credit card, it becomes possible to earn rewards for your normal travel expenses. To add to this, you will be able to enjoy various perks that make being a cardholder worthwhile. If you have been waiting to find the right card to use for your business, then you might want to take a deeper look at the available options.

 

Many people choose to go with an airline-based rewards credit card due to the perks that it will offer. If you are willing to be loyal to one brand, then this can be a really good idea that will serve you well while traveling. One popular rewards credit card that people have been talking about is the Delta Reserve for Business Credit Card from American Express. This credit card is a great option for businesses that need to travel quite often.

 

If you are already a loyal Delta customer, then using this card for your business may be a really great fit. Even so, it is smart to take the time to examine things deeper before making a commitment. Today we are going to take a look at everything the Delta Reserve for Business credit card from American Express has to offer. You can look at the rewards program, the key benefits, and all of the other pertinent details. Once you know more about what to expect, it will be significantly easier to decide if it is right for your business.

 

Delta Reserve for Business

Introductory Offer:

You’ll earn 40,000 miles after you spend $3,000 in the first 3 months.

Also earn 10,000 Medallion Qualification Miles toward status.

Rewards:

You’ll earn 2X miles on Delta purchases.

Benefits:

Priority Boarding.

One free checked bag.

Delta Sky Club access (plus up to 2 guests at $29 each).

Annual companion certificate (good on domestic flights up to first class).

Concierge Service.

Earn 15,000 reward miles and 15,000 MQM's after spending $30,000 in a calendar year.

No foreign transaction fees.

Annual Fee:

$450 annual fee.

Terms Apply.

Our Thoughts:

If you're after Delta MQM's this card can help. The fee seems too high for what it offers though. Other premium travel cards are superior.
LEARN MORE >>

 

Delta Reserve for Business Credit Card Fees

One thing to know right off of the bat is that this is a credit card with a rather high annual fee. The annual fee of $450 is going to scare away some businesses that do not know whether they will get their money’s worth out of this credit card. Truthfully, so long as you are going to be using this credit card often, you are going to come out ahead. The reason for the high price of the annual fee also has a lot to do with the perks that it offers. The features and benefits of this credit card will be discussed in more detail a little later on.

 

One good thing about this credit card is that you will not be forced to pay any foreign transaction fees. Whenever you are traveling abroad, it is a real nuisance to be faced with fees just for using your card outside of the country. You can use this credit card to its full potential while traveling abroad and will never have to worry about being blindsided by fees. This is great for any businesses that have dealings in foreign countries.

 

Most of the other fees are fairly standard for a business travel credit card. The balance transfer fee is set at 3% with a $5 minimum fee. The cash advance fee is also set at 3% with a $5 minimum fee. These are fees that you will be unlikely to encounter due to the card not really being set up as a balance transfer card. Most businesses will never have a need to take a cash advance from this card either but it is still important to be aware of the associated fees.

 

Both late payments and returned payments will cost you up to $38 on this credit card. This is a very normal late and returned payment fee that will not make you bat an eye. You can see that the only really high fee that you will need to contend with is the annual fee. All of the other fees are well within normal ranges, making this a pretty practical credit card for many businesses.

delta reserve for business premium credit card

 

Features and Benefits of the Delta Reserve for Business

You will want to be aware of the welcome bonus that this credit card has to offer. The bonus that the card offers is likely to change over time but this card almost always has a bonus that will reward you with quite a few miles. To qualify for the welcome bonus, you will need to spend a certain amount of money during your first three months as a cardholder. Once you meet the qualifications, you will have bonus miles that you can use to help pay for some of your travel expenses. It helps to alleviate a little bit of that high annual fee.

 

One very useful perk that you will take advantage of all the time is getting one free checked bag. You will receive one free checked bag on any eligible flight when you use this credit card. If you have multiple cards issued for your other employees, then the perk will allow them to get free checked bags as well when they fly with the main cardholder. This can go a long way toward paying for the annual fee as you could save yourself around $50 per person on a round trip.

 

Another extremely valuable perk is that you will receive an annual companion certificate. What this does is allow you to redeem the certificate to allow a companion to fly for free. This can give you a free round-trip flight to use on valid domestic flights in many different seat categories. It is possible to redeem this ticket for a first-class seat in many cases so the value of this perk is actually substantial if you use it right.

 

Cardholders are also going to gain complimentary access to the Delta Sky Club lounges. Normally, it would cost you $59 to enjoy going into a Delta Sky Club lounge. If you are going to be traveling regularly enough on business, then this will be a fantastic perk. It makes your traveling that much more comfortable while also saving you a lot of money. You can also bring up to two guests with you and will only have to pay $29 per person to allow them to enter.

 

It is also possible to receive 20% back in statement credit when you pay for things with your credit card while on your flight. Being able to save extra money on things such as in-flight drinks is a good little perk that many people will use. It mitigates quite a bit of your costs and makes it more practical to enjoy yourself during business flights. If you fly frequently enough, then you will surely be making use of this perk quite often.

 

Another handy perk is that cardholders will be able to take advantage of Zone 1 priority boarding. This means that you will get to board your flight faster than normal so that you can get comfortable and find a good spot for your bags. This feature will also work for up to nine additional cardholders when they are traveling with the main cardholder. Perks such as this can truly make flying a lot more comfortable.

 

You will also have the privilege of being able to access an around-the-clock concierge service. A good concierge service can make your travels much better. They can help you to book reservations at restaurants or to find tickets to a concert in town. You will be able to get the concierge to help you with many particulars, making it a valuable perk that will pay dividends throughout the years.

 

Delta Skymiles Rewards Program Info

Of course, the rewards program is going to be a significant factor when considering whether this card is worth your time. You can actually earn some pretty good rewards when you use this credit card properly. You can earn two miles for every $1 that you spend on purchases directly from Delta. This means purchases such as airfare, seat upgrades, and in-flight purchases. Those who travel with Delta all the time will likely earn a large number of miles every single year.

 

The normal rate for rewards outside of Delta purchases is not very impressive. You can earn 1X miles per $1 spent on all of your other eligible purchases. This makes it fairly impractical to use the card for purchases outside of the Delta family. You will not be using this card to buy groceries while expecting to be rewarded handsomely. It is a pure travel credit card that has pretty good rewards if you fly with Delta on a regular basis.

 

One extremely positive thing about this rewards program is that Delta SkyMiles do not expire. Some miles from other business credit cards may expire if you do not meet certain criteria. This may involve using the card every so often or redeeming the miles after a certain period of time. You do not need to worry about this when using the Delta Reserve for Business Credit Card from American Express. It is more practical to use your card when you do not need to worry about expiring miles.

 

Redeeming your rewards is pretty straightforward with this credit card too. Your miles can be used to pay for airfare and seat upgrades with Delta. If you fly with Delta a lot, then you can make use of these miles to alleviate some of your expenses. It will come in handy and the value of the Delta SkyMiles is generally pretty favorable. The value can vary a bit depending on certain factors but you should be able to enjoy a very easy and lucrative redemption experience.

delta reserve for business card

 

The Pros

  • Advantages for loyal Delta customers
  • Great benefits
  • No foreign transaction fees
  • Earned miles with good value

 

This credit card is going to be a perfect fit for any loyal Delta customers. If you already fly with Delta Airlines a lot, then you should definitely think about signing up for this credit card. You will be able to make the most of the benefits while also earning bonus miles. It can help to lessen some of your travel expenses over time while improving your travel experience.

 

The benefits of this credit card are truly great overall too. Being able to enjoy things such as a 24/7 concierge service, priority boarding, and the Delta Sky Club lounge access will improve your travel experience. You'll have a great time while traveling for business and it is going to make the annual fee completely worthwhile. You just have to be able to make the most of the perks.

 

You won't have to pay any foreign transaction fees when using this card. This is excellent news for businesses that have to travel abroad often. No one wants to pay fees any more than he or she has to. You can use this credit card outside of the country very easily so there is no reason to worry.

 

Your earned miles on this credit card generally have a good redemption value too. You will be able to redeem your miles to pay for Delta flights. The value of the miles can differ depending on the flight and other various circumstances. Even so, you can expect the miles to help you save a lot on your travel costs.

 

The Cons

  • High annual fee
  • Rewards program that is not as robust as some would like

 

The main factor that will deter some people from signing up for this credit card is the high annual fee. Any time that you see a card with an annual fee of $450, you have to take a step back to examine the details. This annual fee happens to be worth it if you are going to use the card often. It just depends on how much you travel and how often you will make use of the amazing perks of this card.

 

It can also be said that the rewards program is a little underwhelming. The Delta Reserve for Business has the potential to be lucrative for those who fly with Delta Airlines all the time. The problem is that you do not earn many miles for things outside of direct purchases from Delta. It may be more practical for certain businesses to find another rewards card as the utilities of this card are a bit limited.

 

Credit Score Needed for Approval

In order to be approved for this credit card, you will need to have a very high credit score. This is going to necessitate excellent credit overall. If your credit score is not at least in the 700s, then you are highly unlikely to be approved for this card. With the high annual fee, it is a card that mostly appeals to businesses with regular travel expenses anyway. Check your credit score before you decide to apply for this one.

delta reserve for business credit card

 

Who Does the Delta Reserve Business Card Appeal to Most?

A credit card such as this mostly appeals to businesses that are going to be traveling all the time. If you only travel every once in a while on business, then you will not really be able to take advantage of everything that this card has to offer. You want to be able to use the various perks that make the high annual fee worthwhile. That being said, it is also a decent rewards card if you can fly enough to earn miles with Delta.

 

You will also need to be a regular Delta customer in order to make the most out of using the card. If you are not the type of business that likes to commit to flying exclusively with one airline, then you should probably look elsewhere. You need to be a Delta customer through and through if you want to sign up for this one. Think about whether you will be able to use this card often enough to make it worth your while.

 

An Alternative Card to Consider

Those who are looking for a solid alternative business travel credit card may want to shy away from an airline-based credit card. You should think about instead, signing up for the Amex Business Platinum Card. It allows you to earn great rewards that can be used in various ways. You can transfer your earned rewards to a number of different airlines or hotels, making the card a convenient option that does not limit you to just one airline.

AMEX Business Platinum Credit Card

See our full review of the Amex Business Platinum Card.

 

You will also gain access to many great perks at hotels and with airlines. You will gain more airport lounge access, discounts on first premium class travel, and other discounts for your business. For most business owners who travel often, the Amex Platinum Business is a much better option. Consider the benefits of each card and then decide which will give you the highest value.

 

Decision Time: Is the Delta Reserve for Business Right for You?

The Delta Reserve for Business Credit Card from American Express comes highly recommended for any business that can use the card properly. If you fly with Delta Airlines often enough, then this card is an absolutely sensible choice. It gives you access to a variety of different luxury perks that will improve your overall travel experience. Being able to enjoy things such as priority boarding, airport lounges, and a concierge service is perfect.

 

It is not going to be the right fit for every type of business, though. Some businesses may be better off with a more general business travel credit card. Either way, this card has proven to be worth the annual fee for those who use it right. Consider signing up for this one if all of the perks and features sound good to you.

 

Delta Reserve for Business

Introductory Offer:

You’ll earn 40,000 miles after you spend $3,000 in the first 3 months.

Also earn 10,000 Medallion Qualification Miles toward status.

Rewards:

You’ll earn 2X miles on Delta purchases.

Benefits:

Priority Boarding.

One free checked bag.

Delta Sky Club access (plus up to 2 guests at $29 each).

Annual companion certificate (good on domestic flights up to first class).

Concierge Service.

Earn 15,000 reward miles and 15,000 MQM's after spending $30,000 in a calendar year.

No foreign transaction fees.

Annual Fee:

$450 annual fee.

Terms Apply.

Our Thoughts:

If you're after Delta MQM's this card can help. The fee seems too high for what it offers though. Other premium travel cards are superior.
LEARN MORE >>

United Explorer Card Review: A Card Designed for United Airlines Flyers

united explorer card review

Anyone who flies often enough is going to really benefit from having an airline rewards credit card in his or her wallet. This is going to allow you to earn many rewards points for your airline purchases. If you spend lots of money on airfare each year, then this could really help you to save some money. Your earned rewards will be able to be used toward your travel expenses, making it a very practical credit card to use often.

 

Of course, there are a ton of different airline credit card programs out there for you to consider. If you are loyal to one airline or another, then you may already be more inclined to seek out specific credit cards. Those who fly with United Airlines will likely be very interested in the United Explorer Credit Card. This card allows those who fly with United Airlines the chance to earn many rewards while also enjoying various perks.

 

It is smart to take the time to look at things from every angle before proceeding, though. Even if you are a loyal United Airlines customer, you want to be able to make an informed decision. Join us today as we review the United Explorer card to give you all of the important details. This will make it easy to see whether or not this card is worth your time or if you should keep on looking for other options.

 

United Explorer Card

Introductory Offer:

You'll earn 40,000 miles after spending $2000 in the first 3 months. Plus an additional 20,000 miles after spending $8000 in the first 6 months.

Rewards:

You'll earn 2X miles on restaurants and hotel stays.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

If you fly United, this card may make sense for you. The introductory offer is enough miles for multiple round trip flights. That is if you can find award space...
LEARN MORE >>

 

United Explorer Credit Card Fees

Knowing the prices and fees of any credit card is imperative when you’re trying to decide if it is worth your while. This credit card actually has fees that are pretty reasonable overall. You can expect a $95 annual fee when you sign up for this credit card. However, the annual fee is going to be waived for the first year, meaning that you do not have to worry about that right away.

 

This card does have balance transfer fees to worry about too, though. The balance transfer fees are set at 5% with a $5 minimum. This is a pretty standard balance transfer fee that is not going to raise any eyebrows. The APR of this card is fairly normal but it is unlikely that you will want to use this as a balance transfer credit card anyway.

 

You will not be able to take advantage of any introductory APR offers with this credit card either. It has a standard variable APR that falls within normal limits. It won’t be a terrible card for those who have to carry balances but most people will want to pay it off immediately. This is primarily a rewards credit card that people will use strategically in order to profit.

 

Thankfully, this credit card does not charge users any foreign transaction fees. Being able to avoid fees such as this is always a good thing and it helps to keep your costs lower. If your travels find you going outside of the country every now and then, it will be possible to use your credit card without having to worry. This is an important thing for those who travel abroad frequently and is certainly a welcome sight.

united explorer card

 

Features and Benefits of the United Explorer Card

The United Explorer Credit Card offers cardholders a pretty standard sign-up bonus. This is going to help you to earn some bonus points for spending a certain amount of money in the first three months. Most people who buy airfare at least once per month will be able to qualify for this bonus. The points that you will earn are very worthwhile and it can help to alleviate a bit of your travel expenses, making it a worthwhile bonus to pursue.

 

You will also be able to enjoy many different perks for being a cardholder. One of the perks that you will be using all of the time is the free checked bag perk. This allows you to check one bag for free and helps to save you money every single time you fly. You will also be able to receive priority boarding and this will make your travel experience that much nicer overall.

 

Cardholders also receive two free United Club passes every year. This gives you access to the United Club airport lounge, which can make your travel experience more relaxing. Passes for the lounge are normally $59 so the value of the passes already negates the annual fee of the credit card. The United Club lounges are very nice and will definitely be something that you will like making use of from time to time.

 

Your credit card is also capable of acting as primary car rental insurance. When you use your credit card to pay for your rental car, it will give you primary insurance coverage. This means that it will pay for any damages to the rental car instead of you having to make a claim with your car insurance company. This is a potentially money-saving perk that will be great for regular travelers.

 

It is also possible to receive an application fee credit for the Global Entry and TSA PreCheck programs. These beneficial travel programs make it possible to streamline your travel experience, saving you ample amounts of time. It costs money to apply for the program and you will receive a fee reimbursement in the form of statement credit every five years. Note that this program needs to be reapplied for every five years so this works out swimmingly.

 

You will also be able to receive 25% off of all of your in-flight purchases. This is great for people who travel all of the time and it will make flying more fun. You can buy refreshments or anything else being offered during the flight. The discount makes things more cost-effective and it just purely saves you money for making purchases that you would normally make anyway.

 

United Mileage Plus Rewards Program Info

The rewards program for this credit card actually gives you many different ways to earn bonus miles. You will receive two miles for every $1 spent on purchases from United Airlines. This will include airfare and any other types of purchases that you would make from United. Those who fly with United regularly will be able to earn rewards miles at a fast rate.

 

There is also an increased bonus rate on other purchases. You can earn two miles for every $1 that you spend at restaurants and on hotel stays. This makes it a very lucrative travel credit card. You will be able to use this credit card to earn miles for common travel expenses. It is practical to use and the rewards program is easy to understand.

 

All of your other purchases will allow you to earn one mile per $1 spent. It is definitely going to be more practical to use this card in the proper bonus categories but it is still good to be able to earn on normal purchases. Most cardholders will be able to earn miles very quickly when using this credit card. It has a good rewards rate and the miles have a good monetary value.

 

The redemption options for your rewards miles are going to be fairly standard. You will be able to redeem miles to pay for airfare and they can also be used to pay for seat upgrades when you want to use them that way. This will work for United Airlines and you can also redeem your rewards miles for flights with Star Alliance partners. The options may be more limited than some other travel credit cards but at least the miles do have good overall value.

 

With more transfer partnerships, this card could be truly top of the line. As it stands, the credit card still has a very good rewards program. You just need to make peace with the fact that you will need to use your miles to pay for flights and seat upgrades.

united explorer credit card

 

The Pros

  • No foreign transaction fees
  • Good rewards rate
  • Many beneficial perks
  • Easy-to-understand redemption options
  • Points that do not expire

 

This card will be a good option for travelers who need to go outside of the country. It does not hinder you by charging you foreign transaction fees. Using your credit card while you are abroad will never be a problem at all. It is always best when these travel credit cards avoid foreign transaction fees; thankfully, that is the case here.

 

The good rewards rate makes this card a very nice option for just about any United Airlines customer. You will be able to earn two miles per $1 spent on United Airlines purchases. You can also earn two miles for every $1 spent on hotel stays and restaurant purchases. All other purchases will earn one mile per $1 spent.

 

Being able to enjoy the many beneficial perks will help to push this card over the edge for some people. This card has better perks than many of the other airline credit cards on the market in this tier. You will be able to enjoy free checked bags, priority boarding, Global Entry and TSA PreCheck application fee reimbursement, primary rental car insurance, and two free United Club lounge passes every year. This gives you a lot of value and it makes it easy to enjoy your traveling experience. If you like cards that come with really nice perks, then this one should make you happy.

 

Lastly, the redemption options for this credit card are very easy to understand. They may not be as robust as some credit card rewards program redemption offerings but you can use your miles well. You can use miles to pay for airfare or seat upgrades at United Airlines or one of the Star Alliance partners. This can keep your travel costs lower than usual and you will always be able to earn more miles to use when you travel regularly.

 

It is also great that your rewards points are never going to expire on you. Some rewards cards come with certain restrictions that will see the points or miles expire after a certain period of time has passed. You will not have to be concerned about your points expiring when you sign up for this card. You can hang onto your miles and use them whenever you see fit. As long as you remain a cardholder in good standing, these miles will be available to you.

 

The Cons

  • It works best for frequent flyers.
  • The rewards program redemption options are somewhat limiting.
  • It limits you to United Airlines.

 

This is going to be a credit card that will work best for very frequent flyers. If you only travel a handful of times every year, then this is not going to earn you that many miles. It may be best to consider a credit card with more bonus categories that will allow you to earn regularly. For frequent travelers, this card is potentially very lucrative.

 

The rewards redemption options are somewhat limiting when compared to other travel credit cards. There are no options to transfer your earned miles to hotels or other businesses. You will also not be able to get any cash-back options or anything of that sort. If you like having more flexibility with how you use your bonus miles or points, then this card may not be for you.

 

You will also be limited to flying with United Airlines if you want to use this credit card to its full potential. You will only be earning the two miles per $1 spent rate if you buy airfare from United. It makes it impractical to fly with other airlines. If you are not the type who commits to one specific airline, then you may be better off with a general travel rewards credit card.

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require a credit score that falls in the very good range. If your credit score is 690 or higher, then you should have a good chance of being approved. Those with excellent scores will have no problem getting this credit card. The smart thing to do will be to check your credit score first before making the decision to apply.

united explorer card mileage plus

 

Who Does the United Explorer Card Appeal to Most?

For the most part, this credit card is going to appeal to people who are loyal to United Airlines. If you regularly fly with United Airlines, then using this credit card is the most sensible option that you can choose. It allows you to earn rewards miles at a good rate and it will give you a better traveling experience overall. It offers various perks and it really can save you a lot of money as a United Airlines customer.

 

This card will also appeal to people who travel all the time. If you spend a lot of money on airfare, then it makes sense to have a card such as this in your wallet. You need to be able to earn rewards for the money that you are spending on travel. This card allows you to earn two miles for every $1 spent on restaurants and hotel stays too so it is incredibly practical for regular travelers.

 

It is not going to be quite as good for people who only travel every so often. If you do not fly more than a couple of times every year, then this may not be a good option for you. It will likely be more practical for you to look into other types of rewards cards. The travel perks can be tempting but you want to be able to use them often enough to justify signing up.

 

An Alternative Card to Consider

One of the most practical alternatives to consider is the Chase Sapphire Preferred Card. If you do not want to commit to one specific airline, then this card is a good deal for you. It allows you to earn two points for every $1 that you spend on travel and dining. The points that you earn can easily be transferred to airlines too so you can use the points with United Airlines if you want to do so.

chase sapphire preferred credit card art

See our review of the Chase Sapphire Preferred.

 

The Chase Sapphire Preferred Card is great for most people. It does not have the same perks as the United Explorer Card, though. If you prefer airline-specific perks, then you might be better off with the United Explorer Card. It mostly comes down to what you expect out of your travel rewards credit card and how your spending habits are.

 

Decision Time: Is the United Explorer Card Right for You?

The United Explorer Card is a very good credit card for loyalists of United Airlines. If you travel with United Airlines regularly, then this card is very easy to recommend. The perks alone will make it worth paying that annual fee and you can earn many rewards miles over time. It’s a solid travel rewards credit card that is very customer-friendly.

 

It is not a perfect credit card in every way but it offers cardholders a very good experience. If you travel often enough, then it definitely makes sense to apply for this card. It offers enough benefits to justify the annual fee and it improves many aspects of travel. You can earn rewards while making your life a bit easier so give this card a shot if you can make use of it often enough.

 

United Explorer Card

Introductory Offer:

You'll earn 40,000 miles after spending $2000 in the first 3 months. Plus an additional 20,000 miles after spending $8000 in the first 6 months.

Rewards:

You'll earn 2X miles on restaurants and hotel stays.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

If you fly United, this card may make sense for you. The introductory offer is enough miles for multiple round trip flights. That is if you can find award space...
LEARN MORE >>

LEARN HOW TO APPLY NOW >>

 

Amex Blue Cash Everyday Review: A No-Fee Rewards Card for Groceries

blue cash everyday review

It is important to have access to credit cards that will help you to earn rewards. There are many things that you are going to have to purchase every single month no matter what. If you can pay for these things with a credit card and receive rewards for doing so, then it certainly makes sense to sign up for one of these cards. Sometimes the rewards from a credit card will be able to help alleviate some of your expenses in a significant way.

 

There are actually many excellent credit cards on the market that offer you cash-back options. If you are looking for a good everyday type of credit card to use, then you should take your time to find the right option. Getting the right card that will suit your specific spending habits is going to ensure that you have the best experience. One very practical card that you can consider is the Blue Cash Everyday Card from American Express.

 

We are going to be reviewing this credit card today in order to help you figure out if it is right for you. The Blue Cash Everyday Card has a lot to offer the average consumer but we will look at it from every possible angle. You can examine the rewards potential of the card, the fees, the benefits, and all other pertinent info. It will be very simple to see whether it is a good fit for your situation once you know all that there is to know.

 

Amex Blue Cash Everyday

Introductory Offer:

You’ll earn a $150 statement credit after you spend $1,000 in the first 3 months.

15 month intro APR offer.

Rewards:

You’ll earn 3% cash back at US supermarkets. (up to $6000 in purchases per year)

You’ll also earn 2% at US gas stations and select US department stores.

Benefits:

Cash back is earned in reward dollars that can be used for statement credits, gift cards and merchandise.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

This is a great no-fee card for grocery shopping. Earning 3X is one of the best without an annual fee.
LEARN MORE >>

 

Amex Blue Cash Everyday Credit Card Fees

One of the best things to know about the Blue Cash Everyday Card from American Express is that it does not have an annual fee. If you are one of the millions of people who prefer credit cards with no annual fee, then this is a good one for you to consider. You will not have to worry about losing money due to an annual fee and it makes it easier to just use the credit card how you want to. It is a good card for anyone who wants to keep things simple and cost-effective.

 

The credit card also comes with a nice introductory APR period that is good for both purchases and balance transfers. This allows you to avoid interest and makes it more practical to carry a balance if necessary. Some people may be able to take advantage of this in order to lessen their debts as well. It is not a card that is necessarily meant for that purpose but it will work during the introductory APR period.

 

A potential negative of this credit card is the fact that it has foreign transaction fees. If you travel outside of the United States and use this credit card somewhere, then you can expect to pay a 2.7% fee. This is going to make it fairly impractical to use the credit card outside of the country. You may be better off going with a different cash-back card option if you want to be able to use it while abroad.

 

All of the other fees that are associated with this credit card are fairly standard. It has a balance transfer fee of 3% with a $5 minimum. The cash advance fee is also set at 3% with a $5 minimum. Late payment and returned payment fees can be up to $38.

 

Features and Benefits of the Blue Cash Everyday Card

One good benefit is that this credit card comes with an easy-to-obtain welcome bonus. If you spend enough money within your first three months of being a cardholder, then you will be able to earn a nice statement credit. This is a welcoming bonus that comes in handy and it will potentially allow you to profit very quickly. This is a good thing to shoot for when you sign up so look out for those welcoming bonus terms if you decide to sign up for this card.

 

The card also comes with a few standard perks for you to enjoy. As you likely expect, there are not going to be any luxury perks associated with a card that has no annual fee. Even so, the perks that are present will likely impress you. You get many benefits just for being a cardholder and they are worthwhile to be aware of.

 

You can expect to be able to use your credit card to give yourself secondary car rental insurance. This will come in handy for anyone who travels on business from time to time. It can help to mitigate some of your costs if something happens while on the road. The credit card also comes with travel assistance to help make your traveling experience much easier.

 

Free roadside assistance is a part of this credit card package too. It can be good to have some peace of mind while you are out driving. Other normal perks include purchase protection, extended warranties, and car purchase discounts. When you look at all of the small perks together, then you see that this card offers a pretty good benefits package for a card with no annual fee.

amex blue cash everyday credit card

 

Membership Rewards Program Info

The rewards program of this credit card is going to be very helpful for anyone who makes normal purchases regularly enough. You will be able to earn 3% cash back on US supermarket purchases for the first $6000 spent in a calendar year. If you reach the spending limit, then you will only earn cash back at a 1% rate for the remainder of that year. This gives you the chance to earn a lot of cash by just buying groceries as you normally would.

 

You can also earn 2% cash back on all of your purchases at US gas stations. It is possible to earn 2% cash back at select US department stores as well. This gives you plenty of options for earning cash back while using this credit card. All of these spending categories are very common for just about everyone so you can see that this card has broad appeal.

 

The normal cash-back rate for all other purchases is only 1%. This is not the greatest flat rate for other purchases but it is still good to be able to earn rewards on anything that you purchase. The card is mostly useful for people who want to use it to hit those bonus categories, though. It can be a very good common credit card that you will be able to use to help reap some rewards every year.

 

All of your rewards will be able to be easily redeemed for a statement credit. The only caveat is that you will only be able to redeem your cash back rewards once you have earned at least $25. There is a $25 minimum redemption that you have to keep in mind. It should not be too much of an annoyance but it is something that you should know about.

 

The Pros

  • No annual fee
  • Good welcoming bonus offer
  • Ability to earn rewards in common spending categories
  • Introductory APR for both purchases and balance transfers

 

The fact that this credit card does not have an annual fee is definitely one of the big selling points. You will not need to worry about trying to make up the money that you are spending on the annual fee or anything. Any rewards that you earn from using the card will simply allow you to profit. Anyone who prefers cards that do not have annual fees attached to them will automatically gravitate toward this card.

 

You will also be able to enjoy a really nice welcoming bonus offer if you manage to qualify. As you likely expect, you will need to spend a certain amount of money within the first three months of being a cardholder. This will qualify you for a nice statement credit that can help to alleviate some of your expenses. It is pretty easy to obtain this welcoming bonus offer so it is something that you can likely look forward to.

 

This credit card is very beneficial due to the fact that it helps you to earn rewards in common spending categories too. You can receive 3% cash back on your purchases at US supermarkets for your first $6000 per year. If you reach the $6000 threshold, then you will only earn 1% for the remainder of the calendar year. The card also offers 2% cash back at US gas stations and some US department stores, making it a very practical credit card to use.

 

You will even be able to enjoy a nice introductory APR period. This credit card allows you to enjoy an introductory APR period on both purchases and balance transfers. If you need to use this card as a balance transfer card, then it may be practical to do so while the introductory APR period is active. It gives the credit card some added utility and may help to broaden its appeal just a little bit.

 

The Cons

  • It requires a somewhat high credit score.
  • Cash-back rewards come with a $25 minimum redemption.
  • It has foreign transaction fees.
  • American Express may not be as prevalent as Visa or Mastercard.

 

One of the biggest letdowns about this credit card is that it requires a pretty high score in order to qualify. This makes it an impractical card for anyone who only has fair credit or just slightly good credit. If you are rebuilding your credit and would like to have access to a good rewards card, then you are going to have to look elsewhere. It is not likely that you will be able to be approved for this card.

 

It is also unfortunate that cash-back rewards come with a $25 minimum redemption. You cannot just redeem your cash-back rewards in any increments that you see fit. Some cards will allow you to do this but this one is not one of them. This really isn’t that big of a deal but some people will be a little disappointed by this restriction.

 

You also need to look out for the foreign transaction fees of this credit card. You will have to pay a 2.7% foreign transaction fee whenever you use this credit card while abroad. This makes it very impractical to use this card outside of the country. If you travel to other countries frequently, then this credit card may not be the best choice for you.

 

There is also the fact that American Express is not as prevalent as Visa or Mastercard in America. Some merchants will not accept American Express and this could give you some problems. American Express is a very reputable credit card company but it just is not as widely accepted as the more common Visa and Mastercard options. Knowing this before you sign up may help you to decide whether this card is going to work out for you or not.

 

amex blue cash everyday card

 

Credit Score Needed for Approval

One of the problems with this credit card is that it requires a fairly high credit score just to qualify for it. It is recommended that you have a credit score of 690 or higher when applying for this card. The fact that it requires a high score despite not being a high-tier card may be off-putting for some people. Even so, it is a good card to have in your wallet. You just need to check your credit score ahead of time to ensure that you will qualify.

 

Who Does the Amex Blue Cash Everyday Credit Card Appeal to Most?

This credit card is mostly going to appeal to people who need a solid everyday credit card. Buying things such as groceries and gas with this credit card will allow you to earn cash-back rewards. This is great and you are going to need to buy these things anyway so it is sensible to want to profit from it. If you spend at least a few hundred dollars on gas and groceries in a month, then this credit card is certainly going to be helpful for you.

 

A card such as this is also appealing due to the fact that it does not come with any annual fees attached to it. You will not need to use the card enough to earn a certain amount of rewards just to make up for a high annual fee. This card can stay in your wallet and you can bust it out whenever it is convenient for you to do so. It’s a simple card that you can use to help you earn cash-back rewards when you want to.

 

An Alternative Card to Consider

Depending on how much you spend on your groceries every month, you may be better off with a version of this card that does come with an annual fee. The Blue Cash Preferred Card from American Express will allow you to profit a bit more when you spend more than $300 on groceries in a month. It will allow you to more than makeup for the attached $95 annual fee too.

blue cash preferred card from american express card art

See our full review of the Amex Blue Cash Preferred card.

 

It just comes down to how much you spend on groceries in a given month. If you only spend around $200, then the Blue Cash Everyday Card is likely to be the better fit. Those who live alone may not spend as much money on groceries. You need to crunch some numbers for yourself to figure out which card is going to give you the maximum rewards potential.

 

It may also be smart to think about using a card that offers you the potential for greater cash-back rewards in rotating categories. A card such as the Chase Freedom Card will give you access to 5% cash back in certain rotating bonus categories. It may be a bit more complex than the Blue Cash Everyday Card from American Express but it is undoubtedly going to be more lucrative if you use it properly.

 

Just think about whether you want a simple experience or if you would like to pay more attention in order to be rewarded at an increased rate. Either way, you will be able to get a good credit card that will appeal to you.

 

Decision Time: Is the Amex Blue Cash Everyday Right for You?

If you are looking for a very practical everyday credit card, then this one is likely going to please you. The Blue Cash Everyday Card from American Express allows you to earn cash-back rewards at a consistent rate. It is very easy to use this card for common purchases and you will not have trouble getting the most out of it. This is a card that should appeal to just about anyone due to its very common bonus categories.

 

Aside from that, the card is also just really easy to use due to having no annual fee. You will not have to worry about using the card enough to make up for some high annual fee. There are even many little benefits and perks for being a cardholder. It makes it a very easy pick for your wallet when you’re in need of a good credit card that can be used for things that you have to buy every month.

 

You will need a pretty good credit score to be able to gain access to this credit card, though. Even so, as long as you can get this credit card, it is going to prove to be worthwhile. It is not absolutely perfect but it is going to work fantastically for what many people need it for. Consider signing up for this credit card if you need a good gas and groceries card that will help you earn cash back.

 

Amex Blue Cash Everyday

Introductory Offer:

You’ll earn a $150 statement credit after you spend $1,000 in the first 3 months.

15 month intro APR offer.

Rewards:

You’ll earn 3% cash back at US supermarkets. (up to $6000 in purchases per year)

You’ll also earn 2% at US gas stations and select US department stores.

Benefits:

Cash back is earned in reward dollars that can be used for statement credits, gift cards and merchandise.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

This is a great no-fee card for grocery shopping. Earning 3X is one of the best without an annual fee.
LEARN MORE >>

World of Hyatt Credit Card Review: Earn Hotel Points and Free Nights

world of hyatt credit card review

Taking the time to find the perfect travel credit card is a good idea. If you like to travel, then you probably want to be able to earn rewards for doing so. If you have the right rewards card in your wallet, then you can benefit in several different ways. It is possible to earn rewards points for spending money in certain categories and these points can be used to help take care of some of your expenses.

 

The problem is that the market is full of credit cards that offer travel rewards right now. It can actually be somewhat difficult to figure out which cards are going to be worthwhile and which ones are better off being ignored. Today we are going to be taking a look at the World of Hyatt Credit Card. This card has been gaining some traction as of late and many people have been very happy with the benefits that it has to offer.

 

We are going to review this credit card thoroughly for you so that you can see what it brings to the table. If you want a travel rewards credit card that will make your Hyatt stays much nicer, then this credit card just may fit the bill. Read on as we look at all of the particulars to see just how good this card really is. You will be able to learn everything that you need to know to make the best decision for your wallet.

 

World of Hyatt Credit Card

Introductory Offer:


Earn up to 50,000 points. You'll earn 25,000 points after you spend $3,000 in the first 3 months and an additional 25,000 points after spending $6,000 in the first 6 months.

Rewards:

You’ll earn 9X points per dollar spent at Hyatt hotels, and 2X points on restaurants, airline tickets, local transit, and fitness clubs.

Benefits:

One free night award (up to category 4) every account anniversary.

Another free night award when you spend $15,000 in a calendar year.

Automatic Discoverist elite status with World of Hyatt

5 qualifying night credits each calendar year, plus 2 more bonus night credits each $5,000 in spend.

Annual Fee:

$95 annual fee.

Our Thoughts:

The introductory offer is decent, but has a high spending limit to earn both tiers. If both tiers are met, it will earn you enough points for up to 10 free nights (category 1). The free night award each year for $95 is well worth it, if you can use it on an otherwise expensive night.
LEARN MORE >>

 

World of Hyatt Credit Card Fees

The annual fee that is associated with this credit card is not too bad overall. You will need to pay $95.00 every year to keep this credit card in your wallet. This is not overly high so it is not going to scare away most people. If you want to gain access to a good rewards credit card, then you will find that fees such as this are commonplace.

 

One negative aspect of this credit card is that the APR is somewhat high. If you are planning on carrying a balance on this credit card, then it may wind up turning into a somewhat negative experience. The best way to use this card is to ensure that you pay it off each month to avoid the negatives of the high APR. This may limit the usefulness of the card for some people, but it is pretty standard for many rewards credit cards to be used this way.

 

On a positive note, this credit card does not have any foreign transaction fees. If you are planning on using this card while you are traveling abroad, then you will be able to do so without worries. Not having to worry about foreign transaction fees makes it more practical to use the credit card how you see fit. This will help you to be able to use the card outside of the country whenever it is going to be beneficial for you to do so.

 

Features and Benefits of the World of Hyatt Card

This card does offer a nice little introductory offer for those who want to make sure that they qualify. To earn the offer, you are going to need to spend enough money on purchases within the first three months of having the credit card. Once you meet the spending threshold, you will be able to receive a tidy sum of bonus points. Interestingly, there is also a second spending threshold at the six-month mark that will allow you to earn another set of bonus points. If you can take advantage of both, then it easily turns into a very lucrative offer.

 

One of the best reasons to sign up for this credit card is due to the great benefits that it offers. Right away you should note that signing up for the credit card gives you automatic Discoverist elite status with Hyatt. This is going to help you to earn more bonus points than usual and it will also give you access to many useful perks. You will be able to enjoy things such as late checkout, priority check-ins, potential room upgrades, and more.

 

This also puts you on the fast track toward earning the next elite tier status with Hyatt. You will receive five night credits that qualify toward your next tier status every single year. When you spend $5,000 on your card each year, you will also receive two more night credits that qualify toward your next tier status. This is perfect for customers who are loyal to the Hyatt brand and want to make the most of their experience.

 

There are other standard perks that are quite helpful, too. For instance, you will be able to earn one free night for every card anniversary. This free night will be redeemable at up to category 4 Hyatt hotels or resorts, giving you plenty of redemption options. It is even possible to earn another free night for spending $15,000 in one calendar year.

 

Being able to earn so many free nights will more than makeup for the annual fee of this credit card. Those who spend a lot of money on hotels or resorts will be able to meet the spending thresholds for free nights every year without fail. If you travel often enough, then this credit card is going to be particularly practical for you. It has a lot of potential for the right type of cardholder.

world of hyatt category 4

 

World of Hyatt Rewards Program Info

The rewards program of this credit card has a lot to offer as well. Your credit card is going to earn you 4X points for every $1.00 spent at Hyatt hotels. The effective rewards rate is actually going to be much higher than that, though. Due to being able to earn five base points from the Hyatt program per $1.00 spent, you will effectively be earning points at a 9X rate. This helps you to earn rewards very fast and the points are going to come in handy.

 

You can also earn 2X rewards points per $1.00 spent on various other categories. It is possible to earn the 2X rate from dining purchases at restaurants, coffee shops, and cafes. You will also earn this increased bonus points total for airline tickets purchased directly from an airline, ride-sharing services, local transportation services, gym memberships, and fitness clubs. It gives you many options for earning bonus points.

 

All of your other purchases made with the credit card will simply earn you points at a 1X rate. The value of these Hyatt points is very good overall, making this a really solid rewards program. If you are able to use the card to its full potential, then you will likely have many points to use throughout the year. It can definitely alleviate some of your expenses while traveling if you use the card right.

 

Hotel CategoryStandard RoomRegency/Grand ClubSuite
15,0007,0008,000
28,00012,00013,000
312,00017,00020,000
415,00021,00024,000
520,00027,00032,000
625,00033,00040,000
730,00039,00048,000

 

Redeeming your points is going to be pretty simple overall, too. You will be able to redeem your earned rewards points to pay for hotel stays and room upgrades. There are a large number of Hyatt hotels around the world, giving you many options for redeeming your rewards. Do note that Hyatt hotels are not located everywhere though, so they may not be in as many places as some of the most famous hotel brands around.

 

Also, it is not going to be as lucrative for you to transfer your earned Hyatt points to their transfer partners. You can transfer your points to airlines to use them in the form of miles to pay for airfare. The problem is that the transfer rate is not stellar, meaning that you will lose out on a little bit of value if you decide to do this. It is good that the option is there, but it may not work out great for you if you like to maximize the value of your earned points.

 

The Pros

  • Good rewards potential
  • Has transfer partners
  • Automatic elite status
  • No foreign transaction fees

 

The good rewards potential of this credit card is what will make most people want to sign up. You will be able to earn a lot of points if you stay at Hyatt hotels often. Being able to earn the base points on top of the points you earn through your credit card is great. The points are going to add up fast and you will have many points to use to pay for your hotel stays and room upgrades.

 

Being able to use your points to transfer to airline partners is good, too. This may not be the best value, but it is always better to have options. If you have earned so many Hyatt points that you cannot use them all for hotel stays, then it makes sense to transfer them to airline miles. There are several transfer partnerships available, so you might be able to use the miles with your preferred airline.

 

Getting access to automatic elite status due to being a cardholder is a huge benefit as well. Simply being able to earn more points is a nice feature, but it also gives you access to good perks. You will be able to enjoy late checkouts, express check-ins, and many other great benefits. If you like having the best possible experience at the Hyatt hotels and resorts, then this will really be appealing to you.

 

You also will never have to worry about foreign transaction fees while you are traveling abroad. This makes it easier to use your card whenever it is necessary to do so. Most travel credit cards that are worthwhile will avoid foreign transaction fees. Even so, it is good to see that this card is customer friendly in that way.

World of Hyatt credit card benefits

 

The Cons

  • Poor transfer rate to airline partners
  • Rewards categories may be too complex for some
  • High APR

 

The poor transfer rate to the airline partners is honestly the most disappointing thing about this credit card. If the transfer rate was more favorable, then it would be much easier for this credit card to appeal to more people. As it stands, the card is still a good option, but it will be more limited in its appeal. You will mostly want to use the rewards to pay for stays and room upgrades at the Hyatt if you want to get the best value.

 

It should also be noted that the rewards categories of this credit card are a bit complex. For instance, you cannot simply earn the bonus points for buying airfare in any way that you see fit. To earn the bonus points, you need to buy airfare directly from the airline itself. Things such as this are not overly complicated, but they can be a nuisance for those who want a more streamlined and simple experience.

 

The high APR of this credit card is going to hold it back for some people as well. The APR makes it less practical to carry a balance on this card. If you want to be able to use this card easily, then it is best to pay it off every month. Some people will not like that the APR isn’t the best, so it may be a good idea to look for a comparable card with a more agreeable APR if this bothers you.

 

Credit Score Needed for Approval

Anyone who is interested in the World of Hyatt credit card will need to have a good credit score. If you want to be approved for this credit card, then it is best to have a credit score of 690 or higher. It is going to be easier to get approved when your credit score falls in the very good or excellent range. Taking the time to check your credit score first is highly recommended.

 

Who Does the World of Hyatt Credit Card Appeal to Most?

This credit card has the most appeal for people who like the Hyatt brand. If you stay at properties that fall under the Hyatt umbrella multiple times per year, then you are more likely to have a good experience with this credit card. You will be able to enjoy the beneficial perks while also earning rewards at a good rate. Anyone who stays at the Hyatt properties all the time due to travel will definitely find this card to be worthwhile.

 

The card is appealing for people who want to be granted automatic elite status as well. Simply having this elite status is going to give you increased bonus points, the potential for room upgrades, access to late checkouts, fast priority check-ins, and waived resort fees when redeeming your free nights. The potential of this elite status makes your Hyatt experience that much nicer. Anyone who uses these hotels often will benefit from this automatic elite status, so the card is worth considering purely based on that fact.

world of hyatt visa

 

An Alternative Card to Consider

One of the best alternative credit cards to consider is the Chase Sapphire Preferred Card. If you want a credit card that is much more flexible than the World of Hyatt credit card, then you will be impressed by what it has to offer. The Chase Sapphire Preferred Card allows you to earn unlimited 2X points per $1.00 spent on travel and dining. Everything else will earn you points at a 1X rate.

chase sapphire preferred credit card art

See our review of the Chase Sapphire Preferred card.

 

This credit card is such a good option because of its flexible rewards redemption options. You will have access to the Chase Ultimate Rewards system and there are so many ways to use your points. Redeeming your earned rewards for travel through the Chase portal even has the potential to increase the value of your points by 25%. It makes it easy to pay for travel expenses while still giving you other options for redemption.

 

Of course, you will not be receiving the same perks as you would with the World of Hyatt credit card. If you need access to the special perks that this card offers, then you might not find the Chase Sapphire Preferred Card to be a suitable alternative. It depends on your expectations and what you want out of a credit card. Keep both in mind and also consider what matters to you the most in a credit card.

 

Decision Time: Is the World of Hyatt Credit Card Right for You?

Overall, the World of Hyatt credit card is going to be a good option for many people. If you like to stay at hotels that fall under the Hyatt umbrella several times per year, then this is going to be a good card to keep around. You will be able to enjoy some nice perks while earning good rewards. Just being able to get that free night annually is going to be enough to make many people want to sign up, as it is worth far more than the associated annual fee.

 

Even so, this card is not the most flexible rewards credit card in the world. It is not without its flaws and some people will find it to be a bit limiting. It does not offer you the most robust experience when it comes to using your earned rewards points. If you want to have several options for how you use your earned points, then it is possible that you might walk away from this card a bit disappointed.

 

So long as you have the right expectations, this credit card is going to do well for you. If you like the Hyatt brand and want to be able to enjoy the perks that come along with this card, then it is worth applying for this one. You just have to be able to use this card enough to make it feel like it is worthwhile. It is not going to be your everyday rewards credit card, so you will be using this one as more of a specialty card that you use when it is the most lucrative to do so.

 

World of Hyatt Credit Card

Introductory Offer:


Earn up to 50,000 points. You'll earn 25,000 points after you spend $3,000 in the first 3 months and an additional 25,000 points after spending $6,000 in the first 6 months.

Rewards:

You’ll earn 9X points per dollar spent at Hyatt hotels, and 2X points on restaurants, airline tickets, local transit, and fitness clubs.

Benefits:

One free night award (up to category 4) every account anniversary.

Another free night award when you spend $15,000 in a calendar year.

Automatic Discoverist elite status with World of Hyatt

5 qualifying night credits each calendar year, plus 2 more bonus night credits each $5,000 in spend.

Annual Fee:

$95 annual fee.

Our Thoughts:

The introductory offer is decent, but has a high spending limit to earn both tiers. If both tiers are met, it will earn you enough points for up to 10 free nights (category 1). The free night award each year for $95 is well worth it, if you can use it on an otherwise expensive night.
LEARN MORE >>

LEARN HOW TO APPLY NOW >>

 

British Airways Credit Card Review: Best for Short Haul Reward Flights

british airways visa review

If you are a person who spends a lot of time on airplanes, then you should really think about getting an airline-based rewards credit card. When you spend a significant amount of money each year on airfare, it makes sense to ensure that you are rewarded for it. As of now, there are a plethora of different airline credit card options on the market. Finding the best one to suit your specific needs may not feel easy if you don’t know where to start looking.

 

Today we are going to be taking a look at the British Airways credit card. This is a credit card that offers cardholders some interesting rewards options and it has worked out very well for certain people. It has positives and negatives just the same as any other credit card on the market. If you spend a lot of money on airfare and if you are flying to the right places that will make this card useful to you, then it might be a good fit.

 

Join us as we review the British Airways credit card in an in-depth fashion. We will look at all of the particulars so that you can get a good idea of whether or not this one is going to be worth your time. Part of this is going to depend on where your airline loyalties are placed but it is very much worth looking into no matter what. Taking a little bit of time to inform yourself can ensure that you will be able to make the best decision for your wallet.

 

British Airways Credit Card

Introductory Offer:

You'll earn 4X points per dollar spent in your first cardmember year (up to $30,000 in spend). That's up to 120,000 points.

Rewards:

Earn a "Travel Together" companion ticket after spending $30,000 in a calendar year.

After year 1, earn 3X points on British Airways purchases.

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

If you plan on spending $30,000 on this card in the first calendar year, it's very valuable. You'll earn 120,000 points and a companion ticket. Otherwise, it's an overrated credit card with the current introductory offer.
LEARN MORE >>

 

British Airways Credit Card Fees

When it comes to picking out an airline rewards credit card, you want to make sure that you are getting a good value. The rewards program is where you will be focusing a lot of your attention but it is important to consider the fees as well. If the fees of a given credit card are too high, then you might end up wasting more money than you are bringing in. Thankfully, the fees of the British Airways Credit Card are fairly middling.

 

You will be paying a $95 annual fee when you sign up for this credit card. This falls right in the middle of the pack in terms of credit card fees for an airline-based rewards card. It is not overly high but it still may be high enough to give certain people pause. Keep it in mind if you are the type of person who really gets soured on credit cards when they charge annual fees.

 

There are some other fees that you should be aware of as well. For instance, this credit card has a balance transfer fee of 5% with a $5 minimum fee. This is not too terrible but it may make it that you will want to avoid transferring a balance to the credit card. In all honesty, the APR is not good enough to make balance transfers a worthwhile option so you’re best off forgetting about this one.

 

On the good side of things, you will not have to pay any foreign transaction fees for this credit card. Not having to pay foreign transaction fees makes sense being that this is a British Airways credit card. Most of the people who use this credit card will be traveling internationally from time to time. Even so, it is also good to be able to avoid those pesky foreign transaction fees. It makes it more practical to use your credit card while abroad and that is very important when you are traveling regularly.

 

Features and Benefits of the British Airways Credit Card

As you might expect, this credit card is going to have various positive features and benefits for you to enjoy. One thing that should be pointed out at the start is the introductory offer. This offer makes it possible to earn even more bonus points during the first year as a cardholder. For every $1 spent, you will be able to earn 4 points up to 120,000 points. It is pretty much getting free points for just using your card as normal and you do not have to meet any special criteria to get these points.

 

It is also worth noting that this credit card refers to its bonus points as “Avios”. We will simply be referring to the bonus points as points in the article but you need to know the type of language that they use when you sign up. It is actually possible to rack up points pretty easily with this card when you use it often. It is very customer-friendly in this way and we will be discussing the rewards program options in detail later on.

 

As far as special benefits go, this card does have a few nice things to offer. One good benefit is that you have the potential to earn a “travel together” ticket. If you spend $30,000 on your credit card in a calendar year, then you will be able to earn a free flight for one other person. This flight can even be redeemed in first class, making it a pretty good benefit. You need to pay the taxes and fees for this flight and the flight needs to originate in the U.S. as well as return there.

 

You will also gain access to car rental insurance for being a cardholder. This is always a good perk to have when you are a regular traveler. It can help to mitigate some of your expenses when it comes to renting cars. This insurance will also be very useful in the event that something does happen to your rental car.

 

Another interesting perk that you can enjoy access to a concierge service. Having access to a good concierge service can make your travel experience that much nicer. A concierge service can act as a facilitator for you, helping you to book reservations as well as helping you in other ways. It is not something that everyone will use all of the time but it can be quite beneficial.

british airways credit card

 

British Airways Rewards Program Info

The rewards program for this credit card is where you will really start to be able to see if this is going to be right for you. This credit card will allow you to earn three bonus points for every $1 spent on British Airways, Iberia, and Aer Lingus. You will also be able to receive one bonus point for every $1 spent on all other purchases. This is a pretty good rewards rate overall and it could be very beneficial to you if you spend enough money on airfare from these specific airlines.

 

It should also be reiterated that you will earn an increased number of bonus points per $1 spent for the first 12 months of being a cardholder. This is the sign-up bonus for the credit card and it can really wind up paying off if you buy a lot of airplane tickets. Those who travel very regularly may even find that this is one of the most lucrative sign-up bonuses that you will encounter. Of course, mileage will vary on how useful this bonus is due to everyone having different personal spending habits.

 

When it comes to redeeming your earned rewards points, things will be good for some and less than stellar for others. You can redeem your earned bonus points for travel on airlines that are part of the Oneworld alliance. There are also some other partner airlines that will increase the number of options that are available to you. The easiest way to use the rewards points is usually to book the travel through the British Airways website.

 

Flying domestically using British Airways Avios is one of the best redemption options around. By booking flights on British Airways partners, American Airlines and Alaska Airlines, you can get reward flights at low rates. The options for international flights are also good and you will be able to use them in so many different ways. Once you learn how to use your British Airways points (Avios) for domestic flights, you’ll be booking with BA very often. My wife and I typically use these points to travel from the west coast to Hawaii for 25,000 points round trip. It’s one of the best ways to redeem points these days.

Booking flights with British Airways is easy, even though you may need to call to book. Their reward chart is distance based and flights cost the following amount of points per mile.

 

ZONEDISTANCE (MI)ECONOMY (PTS)
1 (NO US FLIGHTS)1-6504,500
2651-1,1517,500
31,152-2,00010,000
42,001-3,00012,500
53,001-4,00020,000
64,001-5,50025,000
75,501-6,50030,000
86,501-7,00035,000
97,001+50,000

 

The Pros

  • No foreign transaction fees
  • Good rewards rates
  • Ability to earn free companion tickets
  • Potentially lucrative sign-up bonus
  • Has advantages for international flights

 

The lack of foreign transaction fees is a really important thing for this credit card. For the most part, people who use this card are going to be traveling abroad quite a bit. Being able to use the credit card outside of the country without having to worry about fees is a must. This might be a bit of an expected thing for a card that is meant to be used internationally but it is still a positive thing that is worth touting.

 

Also, this card has very good rewards earning rates overall. If you want to be able to accrue bonus points at a good rate, then you will likely love using this card. Those who spend a lot of money on airfare each year will have the chance to really rack up the points. This could be a constant source of bonus rewards for you and should help to offset some of your travel expenses.

 

The ability to earn a free companion ticket for a flight is very nice too. You can even redeem this free companion ticket for a first-class flight, meaning that this could potentially be worth thousands of dollars. It is a very good bonus that will require you to spend $30,000 in a calendar year. If you spend a lot on travel, you just might be able to take advantage of this.

 

The sign-up bonus for this credit card is potentially very lucrative as well. You will be earning extra bonus points on your first $30,000 spent in the first 12 months. This could wind up adding up to a lot of extra points and you can use the points as you see fit. It could be a fantastic sign-up bonus if you are a big spender when it comes to airfare.

 

The Cons

  • Bonus points can expire.
  • There are noticeable airline surcharges.
  • Domestic flight options are limited.
  • The credit card is missing some benefits that you may expect.

 

One of the biggest problems that people will have with this credit card is that the bonus points have the potential to expire. These bonus points will expire if you do not make a purchase, collect points, spend points, or share points within a 36-month period. Granted, this will not be an issue for most people. You would have to ignore the credit card for a long time in order to allow the points to expire but it is still something that you need to know about before signing up.

 

You also need to know about the fact that there are noticeable airline surcharges when you use this card. For instance, the carrier surcharges that you will see when you redeem certain award tickets will be exceptionally high. This can actually increase the cost of a ticket by several hundred dollars and winds up devaluing your earned rewards points quite a bit. Just know that the points for this card may not have the highest value when compared to the points of other comparable cards.

 

The domestic flight options are always going to be very limited with this credit card as well. You can transfer reward points to domestic airlines such as American Airlines and Alaska Airlines. This limits the potential of this card for people who want robust domestic travel options. It is meant more as an international flight credit card, judging by the way things are set up. Just know that domestic flight options will be narrower in scope than the international ones when you go to redeem points.

 

It should also be said that this credit card is missing some benefits that you may expect from a card like this. You will not be getting any free checked bags for being a cardholder or airline fee credits. Some people will see the benefits of this card and think that it is very lacking. It partially depends on your own expectations but it is odd that many standard airline credit card benefits are not present here.

 

Credit Score Needed for Approval

You will have to possess an excellent credit score just to be approved for this credit card. Scores in the very good range may also have a chance but excellent credit scores are highly recommended. A score of 690 or higher will make it possible to be approved for this card. It is smart to check your credit score before applying to avoid any disappointment.

british airways visa signature

 

Who Does the British Airways Credit Card Appeal to Most?

This credit card is going to appeal mostly to people who have to travel internationally sometimes. If you are not going to be using British Airways, then obviously this credit card is not going to be a worthwhile option for you. If you have to travel to Europe on business or to visit family, then this card may be very worthwhile. It can help you to earn rewards for making your normal airfare purchases.

 

Cards such as this also appeal to people who spend a ton of money airfare each year. If you are able to spend $30,000 on airfare in a calendar year, you will even be able to earn that free companion ticket for one flight. Those who travel all the time will be able to get the most value out of this credit card. It can be worthwhile for those who travel a bit less frequently too but it’s best for regular travelers.

 

An Alternative Card to Consider

The Chase Sapphire Preferred Card is a highly recommended alternative to this card. It has the same annual fee of $95 and it offers you many great options. This card allows you to earn 2X rewards points on all travel and dining purchases. It does not limit you to certain airlines and the points are easy to transfer to various partner programs.

chase sapphire preferred credit card art

See our full review of the Chase Sapphire Preferred.

 

Overall, this card is much more robust in its offerings in comparison to the British Airways credit card. Most people will be better off with the Chase Sapphire Preferred Card due to its high rewards potential and overall ease of use. If you travel with British Airways all the time, then you may benefit from using a card that is specific to that airline. Just weigh your options and see which one will help you to profit more.

 

Decision Time: Is the British Airways Credit Card Right for You?

The British Airways credit card is going to be a very solid option for many people to consider. So long as you travel with British Airways often enough, this card will allow you to earn many points. It has some good features and many positive benefits. The card is lacking in some areas but it does make up for its flaws in other areas.

 

This is a credit card that will work great for some people while being only okay for others. It really comes down to how often you travel internationally and whether you are committed to flying with British Airlines. Make sure that you will be able to use this credit card to its full potential before you decide to apply. If you can use this credit card right, then you should have a good experience overall.

 

British Airways Credit Card

Introductory Offer:

You'll earn 4X points per dollar spent in your first cardmember year (up to $30,000 in spend). That's up to 120,000 points.

Rewards:

Earn a "Travel Together" companion ticket after spending $30,000 in a calendar year.

After year 1, earn 3X points on British Airways purchases.

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

If you plan on spending $30,000 on this card in the first calendar year, it's very valuable. You'll earn 120,000 points and a companion ticket. Otherwise, it's an overrated credit card with the current introductory offer.
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