Posts by Ryan Kangail

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever

Chase Sapphire Preferred 100k

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

While there is no Chase Sapphire Preferred 100k offer anymore, it’s still a very valuable card with a signup bonus of 50k Ultimate Rewards. The Chase Sapphire Preferred is known as the best first travel credit card to get. This is due to the high signup bonus, the ability to redeem its points at a high value, and that the annual fee of $95 is waived in the first year. At Travel Freedom, we absolutely see it as the best first travel credit card in the travel industry. If you’re looking to travel more and want to do it for free, listen up. The Chase Sapphire Preferred might just be the card you’ve been looking for.

 

Chase Sapphire Preferred: The Current Offer

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Preferred Credit Card
  • Introductory Offer: You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards and potentially even more if transferred to travel partners.
  • Earning Categories: You’ll earn 2 points on travel and dining at restaurants worldwide & 1 point per $1 spent on all other purchases.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Annual Fee: $95 (waived in year 1)

Chase Sapphire Preferred is the best first travel credit card to get. Learn more about this card and find out how to apply HERE.

 

What Makes the Chase Sapphire Preferred a Good Credit Card?

Redemption versatility is the number one reason that the Chase Sapphire Preferred is the best first travel credit card is that it’s so easy to redeem points. It’s a good card for people who are new to traveling with points because it is so easy to use. Ultimate Rewards points can be redeemed in a few ways. They can be redeemed through the Chase Ultimate Rewards Travel Portal for a fixed rate of 1.25 cents per point, for cash-back and gift cards, or by converting points to Chases transfer partners. Transferring to the travel partners can net an average redemption of over 2 cents per point. Both non-cash-back options give an elevated redemption value over 1 cent per point. If you’re willing to put in a little bit of effort to research airline award charts, you’ll get the most out of your points by using transfer partners.

Chase Sapphire Preferred 100k signup bonus

 

Redeem Ultimate Rewards in the Travel Portal (1.25 cents/pt value)

At an elevated rate of 1.25 cents per point, redeeming through the Chase Ultimate Rewards Travel Portal is a good option. Through the travel portal, you can book flights, hotels, car rentals, and more. It allows you to use your points for travel while keeping things very simple. You won’t have to understand how hotel and airline reward systems work to book travel with points.

 

Ultimate Rewards Travel Transfer Partners (~2 cents/pt value)

By transferring your points into an Ultimate Rewards Transfer Partner, you’ll have the opportunity to redeem your points for 2 cents per point. There are currently 13 different travel transfer partners, including 9 airlines and 4 hotel chains. Ultimate Rewards points transfer to all of the partners at a 1:1 ratio. Regularly, my wife and I transfer our points to the Ultimate Rewards travel partners. We most often transfer them to British Airways (to use their US travel partners for flights) and Hyatt Hotels (to get free nights). We’ve found that by using these two transfer partners, we often get more than 2 cents of value per point.

 

Chase Airline Transfer Partners

chase ultimate rewards transfer partner airlines

Chase Hotel Transfer Partners

chase ultimate reward transfer partner hotels

 

 

Other Ultimate Rewards Redemption Options (1 cent/pt value)

There are a few other redemption options that don’t involve travel. They also aren’t redeemable for as much value as the travel options. Points can be redeemed for cash back, to spend on Amazon, to spend on exclusive experiences, or to purchase gift cards. All of these options have a fixed redemption value of just 1 cent per point. I wouldn’t recommend using your points this way unless you don’t like to travel, because it’s not as valuable.

 

Earn Spending Bonuses on Travel and Dining

This card will give you more than just the Chase Sapphire Reserve 100k 50k signup bonus. It has a couple of valuable spending bonus categories. You’ll earn 2X points on all travel and dining purchases. I’m sure you spend money on these two quite a bit.

  • Travel: The travel bonus counts for flights, trains, taxi’s, other transportation, hotels, and much more.
  • Dining: Dining is considered anything purchased from restaurants, bars, cafes, fast food restaurants, restaurant delivery services like (Caviar, Eat24, GrubHub, Postmates, Seamless), and even from vending machines.

I’m going to guess that you spend some money on both travel and dining occasionally. Spending bonuses are a great way to earn some extra Ultimate Rewards without really doing anything. By earning 2X points on these purchases and then redeeming Ultimate Rewards at a value of 2 cents each, you’re essentially earning 6% back on those purchases. 4% value back on a credit card is unheard of!

Chase Sapphire Preferred 100k bonus

 

Combine Other Chase Credit Cards with the Sapphire Preferred

One more reason that the Chase Sapphire Preferred is one of the best travel credit cards is that there are many other Chase credit cards that pair very nicely with the Sapphire Preferred. There are six other Chase credit cards that also earn Ultimate Rewards. There are three other personal cards and three business cards. They all have their own set of great features and earning potential. Between my wife and I, we have at least one of each of these cards. This allows us to earn category bonuses on almost every purchase we make. We also earned over 350,000 Ultimate Rewards just from signup bonuses!

6 More Credit Cards that Earn Chase Ultimate Rewards

 

Ultimate Rewards Can Be Transferred Between Card Accounts

The best part of pairing up multiple Chase credit cards, is that the Ultimate Rewards from one card account can be transferred and combined with the points in another card account. For instance, you can earn Ultimate Rewards with the Chase Freedom (which normally doesn’t have transfer partners available) and transfer them over to your Chase Sapphire Preferred account to redeem them (either with the 25% portal bonus or with transfer partners).

Three of the Chase Ultimate Rewards credit cards have higher redemption rates in the travel portal. The Chase Sapphire Preferred and Ink Business Preferred both give a value of 1.25 cents per point when redeemed through the travel portal, while the Sapphire Reserve gives an even higher 1.5 cents per point value. While four of these credit cards are technically listed as cash back cards, you’ll still earn Ultimate Rewards. These “cash back” Ultimate Rewards can be transferred to any of the three premium card accounts to get the full Ultimate Rewards experience.

 

Other Ultimate Rewards Credit Card Offers

Chase Freedom

15,000 Points after spending $500 in the first 3 months

Chase Freedom Credit Card Review
  • Signup Bonus: You’ll earn a $150 Bonus (via 15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.
  • Earning Categories: You’ll earn 5 points per $1 spent on up to $1,500 in combined purchases in bonus categories each quarter you activate.  The categories are things like grocery stores, gas stations, internet, cable, phone services, Walgreens, and even using Chase Pay.  You’ll earn unlimited 1 point per $1 spent on all other purchases.
  • Free Credit Score: View your credit score, updated every week on Credit Journey.
  • Annual Fee: No annual fee

This rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Freedom Unlimited

15,000 Points after spending $500 in the first 3 months

Chase Freedom Unlimited Credit Card
  • Signup Bonus: You’ll earn a $150 Bonus (via 15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.
  • Earning Points: You’ll earn 1.5 points per $1 spent on all purchases.  No worrying about category bonuses.
  • Free Credit Score: View your credit score, updated every week on Credit Journey.
  • Annual Fee: No annual fee

This rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Reserve Credit Card
  • Signup Bonus: Earn an introductory 50,000 points after spending $4,000 within the first three months.
  • Statement Credits: Receive a $300 in statement credits each year (based on your account anniversary) to cover travel expenses like airfare and hotels.
  • Receive a $100 Statement credit as reimbursement for Global Entry or TSA PreCheck enrollment.
  • Earning Categories: You’ll earn 3 points per $1 spent on dining and on travel that doesn’t qualify for the $300 travel reimbursement each year and one point per $1 on everything else.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Receive 50 percent more value for your points when you redeem for travel via Chase Ultimate Rewards.
  • Airport Lounge Access: Visit more than 1000 airport lounge locations while traveling with a Priority Pass Select membership.
  • Annual Fee: $450

This rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Preferred

80,000 Points after spending $5000 in the first 3 months

Chase Ink Business Preferred Credit Card
  • Signup Bonus: You’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from your account opening.
  • Earning Categories: You’ll earn 3 points per $1 on the first $150,000 spent on travel and select business categories (including social media advertising!) each account anniversary year.  You’ll earn 1 point per $1 on all other purchases, with no limit to the amount you can earn.
  • Other Benefits: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.  You can redeem points for travel, cash back, and gift cards, or transfer your points to an airline or hotel partner.  You’ll get a cell phone protection plan of up to $600 when you pay your cell phone bill with the card.  You’ll receive rental car loss and damage coverage if your reservation is paid with the card.
  • Annual Fee: $95

This business rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Cash

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Cash Credit Card
  • Signup Bonus: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn 5 points per $1 spent on the first $25,000 spent on purchases at office supply stores and on internet, cable and phone services each account anniversary year.  You’ll earn 2 points per $1 on the first $25,000 spent at gas stations and restaurants each account anniversary year.  You’ll earn 1 point per $1 spent on all other purchases with no limit to the amount you can earn.
  • Annual Fee: There is no annual fee.

This business rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Unlimited

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Unlimited Credit Card
  • Signup Bonus: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn unlimited 1.5 points per $1 spent on every purchase made for your business.
  • Annual Fee: There is no annual fee.

This rewards card pairs well with the Chase Sapphire Preferred 100k 50k Offer. Learn more about this card and find out how to apply HERE.

 

Keep It Simple with Chase Ultimate Rewards Cards

As you can see, there are many reasons why the Chase Sapphire Preferred is the best first travel credit card to have. It has a great introductory offer with a reasonable minimum spending requirement. The annual fee is waived in the first year of having the card. The 50,000 Ultimate Rewards points earned through the signup bonus are very valuable when used for travel. In fact, they are enough points to take multiple trips if spent efficiently.

Because there are so many other Chase credit cards that earn Ultimate Rewards, it makes the Chase Sapphire Preferred a good base card. Just by earning Ultimate Rewards, you’ll be able to earn free travel for a long time to come. Between the signup bonuses mentioned above, there are currently 310,000 Chase Ultimate Rewards points available. That only includes the signup bonuses. You can earn even more points on purchases with spending category bonuses. If you want to travel more, start traveling using Chase Ultimate Rewards points.

Sapphire Preferred 100k

 

Don’t Forget About the Chase 5/24 Rule

Chase has an unwritten rule, known as the “Chase 5/24 Rule”, that only allows you to be approved for a Chase-branded credit card if you have less than five new credit cards opened within the last 24 months. The five credit cards opened don’t just include Chase credit cards, it includes nearly all credit cards. Small business credit cards don’t count toward the five card limit, but the Chase 5/24 rule does come into effect when applying for a business card.

Chase 5/24 Rule FAQ’s

Can I apply for 2 Chase credit cards on the same day when I’m 4/24 and get approved for both?

  • Data suggests you can, however, we recommend not pushing the line and only apply for one Chase card at a time. People have reported having their account shut down for applying for too much credit.

Can I apply the day my 5/24 limit drops off?

  • Preferably wait until the first day of the next month to apply.

I’m over the 5/24 rule limit, can I be approved for a card from another bank?

  • Yes. Approvals for credit cards from other banks besides Chase are not impacted by your 5/24 score. Each bank has their own set of rules for approval.

Do Chase business cards count toward my 5/24 score?

  • No. Being approved for a Chase business card will not add to your 5/24 limit. However, to get approved for a Chase business card you must be below the 5/24 limit.

 

The Chase Sapphire Preferred 100k 50k Signup Bonus is Still a Great Offer

While the Chase Preferred 100k signup bonus is no longer available, 50k points is still an excellent offer. At a value of at least $625, it’s well above the average when it comes to credit card signup bonuses. When spent through travel partners, the signup bonus can be worth over $1000.

The Chase Sapphire Preferred was the first travel credit card I ever applied for. It gave me a good amount of free travel and was also a good base card to start earning other Ultimate Rewards and transferring them into my Sapphire Preferred account. Now my wife and I have all of the cards above and have an abundance to Ultimate Rewards to spend on free travel.

If you’re someone who wants to travel more, this will be a great credit card to get you started. It sure was for me. The Chase Sapphire Preferred 100k 50k offer is still well worth the application. It’s the best first travel credit card for people who are looking to start traveling more.

Southwest Hawaii Flights: The Ultimate Information Guide

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

The long-awaited launch of Southwest Airlines flights to Hawaii is ever so close to fruition. Southwest has officially announced that they’ll start flying to Hawaii. They’ve also announced the first Southwest Hawaii destinations and confirmed when they plan to start flying the routes.

Southwest customers have been eagerly waiting for the low-cost airline to make their way to Hawaii. It should mean more competition for routes from the west coast to Hawaii and therefore lower prices. That’s the hope anyway. The two main competitors that Southwest will face are Alaska Airlines and Hawaiian Airlines who have already begun to lower prices in anticipation of Southwests entry into the Hawaii routes. The biggest question is, when will they actually launch these Southwest Hawaii flights?

 

When will Southwest Start Flying to Hawaii?

Southwest has been working non-stop on preparing for their flights to Hawaii. They have their new facilities, equipment, staff and Hawaii flight schedules all ready to go. Southwest has opened a base in Los Angeles to help staff the Hawaii flights, and they have plans to set up a large operation in Honolulu with several gates. Southwest has also been working for over a year with the Federal Aviation Administration to get certification for long, over-water flights.

The certification that Southwest is working on getting is called ETOPS (Extended Twin Engine Operating Performance). To get ETOPS certification Southwest must prove that they can safely fly for an extended amount of time in the event of an engine failure.

Because Southwest is completely ready for their Hawaii flights, they’ll likely start flying days after receiving their certification from the FAA. The bad news is that certification seems to have been delayed. Even with delays, Southwest should begin flying to Hawaii in early 2019. A January or February launch is expected. Just in time for the end of whale season!

southwest airlines hawaii

 

Southwest Flights to Hawaii Timeline

  • April, 2018 – Southwest announced that it plans to fly to four Hawaiian destinations. Oahu, Maui, the Big Island, and Kauai will be the first Southwest Hawaii destinations.
  • May, 2018 – They announced that the first four Southwest routes to Hawaii will depart from Sacramento, Oakland, San Jose, and San Diego.
  • August, 2018 – Southwest said flights would likely be announced in October and would start flying weeks later.
  • October-December, 2018 – patiently waiting to hear something… but no word

Our Future Predictions:

  • December, 2018-January, 2019 – Completion of ETOPS testing of flights across the Pacific Ocean, ETOPS final certification, flight announcements, and ticket sales go live.
  • January-February, 2019 – Direct flights to Honolulu and Kahului begin operating.
  • February-March, 2019 – Flight extensions to Kona and Lihue begin operating (inter-island).
  • March-June, 2019 – Direct flights to Kona and Lihue begin operating, inter-island flights begin operating (including Hilo), and flights from Los Angeles begin operating to all four islands.

These are our timeline predictions of how we think it will play out after reading every possible article we could find on the Southwest Hawaii flights situation.

 

Southwest Routes to Hawaii

Adding Southwest flights to Hawaii is just about as good as it gets for customers looking to travel to the islands. Personally, two of my favorite things in travel are joining forces. Southwest Airlines and Hawaii are finally getting together. Southwest has officially announced that they will soon be offering flights to Kahului, Maui (OGG), Kona-Kailua, Hawaii (KOA), Lihui, Kauai (LIH), and of course Honolulu, Oahu (HNL). By far, these are the most frequently used airports in Hawaii so it makes sense why they chose them. Budget travel to Hawaii just became more competitive.

The first four departure airports that will have Southwest Hawaii flights are Sacramento (SMF), San Jose (SJC), Oakland (OAK), and San Diego (SAN). All cities in California, which makes sense because they are the closest distance to Hawaii.

We’ve been waiting for this day for years, and absolutely love that there will be Southwest flights to Hawaii. We travel to Hawaii on average, at least once per year since we started traveling with points and miles. It’s our favorite destination and now it will be even easier to travel to. One thing I’m extremely excited about is using a Southwest Companion Pass on Southwest flights to Hawaii. This allows for some extremely good deals and savings to be had! Just think, buy-one-get-one-free flights to Hawaii for two consecutive years using a Companion Pass… That’s absolutely incredible. We might just have to start going to Hawaii every month!

southwest hawaii flights

 

Southwest Will Offer Inter-Island Flights

Southwest plans on flying inter-island routes as well. Currently, there are only a few options to go between the islands. Having another competitor in the space should create some cheaper fares for island hoppers. Sometimes it’s nice to take a longer Hawaiian vacation and split your time between multiple islands. My wife and I did this for our honeymoon and to celebrate our one year anniversary.

 

What Hawaii Routes will Southwest Fly Next?

Obviously, as stated above, it will make sense for Southwest to fly between Los Angeles and Hawaii in the near future. I would expect that to be the first addition to the route list. But, where else might Southwest fly from? Here are some of the possibilities:

  • Los Angeles, Ca (LAX)
  • Seattle, Wa (SEA)
  • Portland, Or (PDX)
  • San Francisco, Ca (SFO)
  • Las Vegas, Nv (LAS)
  • Denver, Co (DEN)
  • Salt Lake City (SLC)

Where do you think Southwest will fly to Hawaii from?

 

The Experience of Flying Southwest to Hawaii

So, the time has come. I’m about to be on a plane with Southwest Airlines, flying to Hawaii! It’s so exciting, but what should I expect the experience to be like? Will it be any different than other Southwest flights? Normally, Southwest flies shorter routes over land. This is a five-plus hour flight over the Pacific Ocean. Are my bags still free? Are there food and drinks? Do I have an assigned seat? Do they use the same planes without first class? There are so many questions about the new Southwest Hawaii flights. We have the answers you’ve been looking for when it comes to Southwest Airlines flights to Hawaii.

Most things will be the same as any other Southwest flight, but there will be a few differences to accommodate the longer flight times.

southwest airlines companion pass

 

Southwest Hawaii Flight Prices

One reason that customers are so excited about Southwest flying to Hawaii is that having another competitor should lower prices. Experts predict a pricing battle on Hawaii flights between Southwest, Alaska, and Hawaiian. Many think that flights will begin at prices from $99-139 each way.

Southwest moving in on the Hawaii market is much needed for customers. Prices for Hawaii flights have become outrageous in recent years. A few years ago you could find Hawaii flights for $300-400 round-trip pretty regularly, but now you’re lucky if you find the same flight for under $700.

“We will come in with lower fares, and not introductory fares. We have the structure to offer low fares…. It’s got to be a price that’s competitive and the lowest price in the market.”

– Southwest Airlines president Tom Nealon.

Not only will Southwest have low prices, but it should lower its competitors’ pricing as well. A Northeastern University study showed that when Southwest enters a market, it drops the prices of airfare up to 24% for those routes. They called it the “Southwest Effect”. Let’s hope that’s the case with Southwest Hawaii routes.

 

Southwest Boarding Procedure on Hawaii Flights

The Southwest boarding procedure will stay the same for the most part. Having no assigned seats, and rather getting a boarding order at check-in will stay the same. Getting on and off the planes may be slightly different. In Hawaii, Southwest will likely use outdoor boarding ramps and possibly board from both the front and back doors of the planes. They’ve been testing this procedure at a few California airports to see if it speeds up the process. Southwest will use boarding ramps because many of their gates will be on the ground level and weather most often permits it.

 

Seating & Service on Southwest Hawaii Flights

One thing that Southwest doesn’t have, that it’s competitors do, is first-class seating. Southwest has never offered a first-class and they won’t start now. Their Hawaii flights will have the same seating arrangements as its other planes with the one class throughout the plane. Note that Southwest emergency exit row seats usually have more leg room than elsewhere.

  • No seat assignments. There will still be a $15 early boarding option.
  • No in-seat charger ports. You’ll need to bring a charged battery and perhaps a portable battery charger.
  • In-flight entertainment will be available on your own devices only. Wi-fi may be available for a fee.

 

Food on Southwest Hawaii Flights

No meals will be for sale on Southwest flights to Hawaii. There will only be drinks and snacks as is customary for Southwest Airlines. Southwests planes don’t have ovens or coolers in the galley so having meals is not an option. I would, although, imagine that the snack options will be broadened compared to other Southwest flights. Along with the typical pretzels, peanuts and crackers, they’ll likely have larger snacks for purchase. I’m guessing things like nuts, dried fruits, chips, jerky and cookies will be for sale on Southwest Hawaii flights.

 

Bags Fly Free on Southwests Hawaii Flights

Bags always fly free on Southwest. It won’t change for Hawaii flights, as you’ll still be able to check two complimentary bags. Having no fees for checking two bags can save upwards of $50 on each one-way flight per person.

 

What Planes will Southwest Fly to Hawaii?

Southwest currently flies all Boeing 737’s for every single flight, which will be no different for their Hawaii flights. Southwest will eventually upgrade it’s Hawaii flights to use 737 MAX 8 and MAX 7 jets, which have greater range and better fuel efficiency. They also carry more passengers and have an extra restroom. With these new planes, Southwest will have the opportunity to fly directly from the US Mountain West region (Denver and Salt Lake City).

 

Using Southwest Rapid Reward points to Fly to Hawaii

Another great thing about Southwest flying to Hawaii is the ability to use Rapid Rewards points on their flights. On average, Rapid Rewards points are worth 1.6 cents each when used for a “Wanna Get Away” fare. That means if the pricing estimations above are correct, you’ll be able to find one-way Southwest Hawaii flights for 6,000-9,000 points.

That is an incredible value of points! If you consider that sometimes the Southwest credit cards offer signup bonuses of 60,000 miles, you could purchase up to five round-trip flights with a single credit card offer. It’s an even better value if you can earn a Southwest Companion Pass for two years, essentially doubling the value of your points.

 

Will Companion Pass Work for Southwest Hawaii Flights?

Yes, a Southwest Companion Pass will be valid to use for Hawaii flights. This means that you can both use Rapid Rewards points and a Companion Pass together, to get a free second ticket while using points. Did I mention, if you earn Companion Pass you’ll have it for up to two years and you’ll also have at least 110,000 miles to use! I almost can’t believe how amazing this opportunity is. You can earn a Southwest Companion Pass by earning 110,000 miles in one calendar year (credit card signup bonuses count). Here are all the available Southwest credit cards that can help you earn your own Southwest Companion Pass to use on Hawaii flights. We already earned ours and are ready to take action in 2019!

how to get southwest companion pass

 

Southwest Rapid Rewards Plus

Up to 60,000 Points after meeting multiple spending tiers within the given time frames

Chase Southwest Plus Credit Card
  • Introductory Offer: You’ll earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Earn an additional 20,000 points after spending $12,000 in the first year.
  • Annual Point Bonus: Receive 3,000 bonus points after your Cardmember anniversary.
  • Earning Bonuses: You’ll earn 2 points per $1 spent on Southwest purchases and 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Bags fly free and no change fees.
  • Annual Fee: $69

Learn more about this card and find out how to apply HERE.

 

Southwest Rapid Rewards Premier

Up to 60,000 Points after meeting multiple spending tiers within the given time frames

Chase Southwest Premier Credit Card
  • Introductory Offer: You’ll earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Earn an additional 20,000 points after spending $12,000 in the first year.
  • Annual Point Bonus: Receive 6,000 bonus points after your Cardmember anniversary.
  • Earning Bonuses: You’ll earn 2 points per $1 spent on Southwest purchases and 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Bags fly free and no change fees.
  • No Foreign transaction fees.
  • Annual Fee: $99

Learn more about this card and find out how to apply HERE.

 

Southwest Rapid Rewards Priority

Up to 60,000 Points after meeting multiple spending tiers within the given time frames

southwest rapid rewards priority credit card
  • Introductory Offer: You’ll earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Earn an additional 20,000 points after spending $12,000 in the first year.
  • Annual Point Bonus: Receive 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest travel credit every year.
  • 4 Upgraded boardings per year.
  • 20% back on in-flight drinks, wi-fi, messaging, and movies.
  • Earning Bonuses: You’ll earn 2 points per $1 spent on Southwest purchases and 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Bags fly free and no change fees.
  • No Foreign transaction fees.
  • Annual Fee: $149

Learn more about this card and find out how to apply HERE.

 

Southwest Rapid Rewards Premier Business

60,000 Points after spending $3000 in the first 3 months

Chase Southwest RR Premier Business Credit Card
  • Introductory Offer: You’ll earn 60,000 points after you spend $3,000 on purchases in the first 3 months.
  • Annual Point Bonus: Receive 6,000 bonus points after your Cardmember anniversary.
  • Earning Bonuses: You’ll earn 2 points per $1 spent on Southwest purchases and 1 point per $1 spent on all other purchases.
  • No blackout dates or seat restrictions.
  • Bags fly free and no change fees.
  • No Foreign transaction fees.
  • Get employee cards at no additional cost and earn points on employee spending.
  • Annual Fee: $99

Learn more about this card and find out how to apply HERE.

 

southwest flights to hawaii

 

Southwests Competition for Hawaii Flights

Southwest bringing its service into the Hawaiian market is sure to bring some fierce competition. The main competitors for Southwest Airlines flying to Hawaii, are Alaska Airlines and Hawaiian Airlines. Airline industry analysts are predicting Southwests entry into the Hawaii market to cause both a pricing war and a “game of one-upmanship unlike any since airline deregulation in the ’70s”.

Both Hawaiian Airlines and Southwest pride themselves on their customer service and generousness. It will be interesting to see how far they will go to keep/gain customers. Executives of Hawaiian Airlines and Alaska Airlines were recently asked questions about the possible pricing war that Southwest will bring. Both airlines’ executives said that they are positioned well in Hawaii with amenities and features that Southwest does not have. Two things that Hawaiian Airlines has that Southwest doesn’t, are first-class and meals. In fact, Hawaiian has revamped first-class with lie-flat seating in many of their planes.

The incoming pricing war for Hawaii flights has even made its way into reward travel. Alaska recently lowered the number of miles needed to fly from the mainland to Hawaii. A round-trip reward flight on Alaska Airlines will now take 25,000-30,000 miles.

For customers looking to fly to Hawaii, this competition is great news. It should make prices to fly to Hawaii much more reasonable both in the short term and long term.

 

When will Southwest Start Flying to Hawaii?

So, now that we’ve covered every single angle of the new Southwest Hawaii flights news let’s decide when we think there will officially be Southwest flights to Hawaii. January of 2019 seems very likely. Southwest had planned to roll out their Hawaii flights in 2018, but they had unforeseen roadblocks. The ETOPS certification has taken longer to finalize than they had imagined. The good news is they are completely prepared to launch as soon as they get the go-ahead from the FAA. If Southwest isn’t flying Hawaii routes by the end of January, I’d imagine it won’t be long after that they launch service.

Southwest is well prepared for their launch of Hawaii flights. Are you?

Chase Sapphire Reserve 100k Offer: “She Gone” but it’s Still a Great Card

chase sapphire reserve 100k

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Did you hear about the Chase Sapphire Reserve 100k signup bonus that they offered when the card was announced? Yep, it really was that high! For the first few months after inception, the Chase Sapphire Reserve had a 100k Ultimate Rewards point signup bonus. That was back in the second half of 2016.

Supposedly, Chase ran this limited time offer at a loss to the tune of a whopping $300 million. They’ll likely make up that loss in their cardmembers’ life cycle though. In fact, the promotion was so “successful” that Chase reached their 12-month acquisition goal in just two weeks. At Travel Freedom, we see it as the best premium credit card in the travel industry.

 

Chase Sapphire Reserve: 100k  50k Signup Bonus

As mentioned, even with a signup bonus half as big as it was originally, we still think that the Chase Sapphire Reserve is the best premium credit card in all of the travel credit card market. How is that possible? It’s possible because the Chase Sapphire Reserve has the best travel benefits ever seen in a credit card offer.

Let’s first talk about the signup bonus. The official value of the signup bonus given by Chase is $750, but that is not using the optimal redemption value. The points from the 50k Ultimate Rewards signup bonus can simply be worth at least $1000 simply by redeeming with Chase travel partners.

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Reserve Credit Card
  • Introductory Offer: Earn an introductory 50,000 points after spending $4,000 within the first three months.
  • Statement Credits: Receive a $300 in statement credits each year (based on your account anniversary) to cover travel expenses like airfare and hotels.
  • Receive a $100 Statement credit as reimbursement for Global Entry or TSA PreCheck enrollment.
  • Earning Categories: You’ll earn 3 points per $1 spent on dining and on travel that doesn’t qualify for the $300 travel reimbursement each year and one point per $1 on everything else.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Receive 50 percent more value for your points when you redeem for travel via Chase Ultimate Rewards.
  • Airport Lounge Access: Visit more than 1000 airport lounge locations while traveling with a Priority Pass Select membership.
  • Annual Fee: $450

Our thoughts about the Chase Sapphire Reserve 100k 50k Offer:

The 50k signup bonus is one of the best of any credit cards in the market and it’s just the icing on top of this cards benefits. The benefits of this card are nothing short of great. A $300 travel credit, airport lounge access, TSA PreCheck, and more. Like I said, the benefits are worth more than the annual fee and the signup bonus is the icing on top. The signup bonus alone for this card got us 2 round-trip flights to Hawaii. 3X points on travel and dining can be useful as well. The Chase Sapphire Reserve is a must have credit card for people who travel often and can take advantage of its perks. It also makes for a perfect credit card combination with a few of the other Ultimate Rewards cards, as you can combine your point balances between card accounts.

Learn more about the Chase Sapphire Reserve 100k 50k offer and find out how to apply HERE.

 

Redeeming Ultimate Rewards through Chase Transfer Partners

Although Ultimate Rewards are given a value of 1.25 cents each by Chase, you can make your points from the Chase Sapphire Reserve 100k 50k bonus worth more than that. There are 13 Ultimate Rewards travel partners consisting of airlines and hotels. You can transfer your points to any of these programs at a 1:1 ratio. We often transfer our Ultimate Rewards to Southwest Airlines, British Airways, and Hyatt hotels to earn redemptions well above 2 cents per point. That’s nearly double what Chase advertises as the value.

Ultimate Rewards Airline Transfer Partners

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Air France/KLM Flying Blue
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club

Ultimate Rewards Hotel Transfer Partners

  • Hyatt Gold Passport
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards

 

Earn Spending Bonuses on Travel and Dining

This card will give you more than just the Chase Sapphire Reserve 100k 50k signup bonus. It has a couple of valuable spending bonus categories. You’ll earn 3X points on all travel and dining purchases. I’m sure you spend money on these two quite a bit.

  • Travel: The travel bonus counts for flights, trains, taxi’s, other transportation, hotels, and much more.
  • Dining: Dining is considered anything purchased from restaurants, bars, cafes, fast food restaurants, restaurant delivery services like (Caviar, Eat24, GrubHub, Postmates, Seamless), and even from vending machines.

I’m going to guess that you spend some money on both travel and dining occasionally. Spending bonuses are a great way to earn some extra Ultimate Rewards without really doing anything. By earning 3X points on these purchases and then redeeming Ultimate Rewards at a value of 2 cents each, you’re essentially earning 6% back on those purchases. 6% value back on a credit card is unheard of!

sapphire reserve 100k

 

Chase Sapphire Reserve $300 Travel Credit

If you spend at least $300 on travel yearly, the Chase Sapphire Reserve $300 travel credit essentially erases 2/3 of the annual fee. By taking advantage of the Sapphire Reserve 300 travel credit, the annual fee gets knocked down to $150 (only $55 more than the Sapphire Preferred). That means that you’re paying just $55 for all the other benefits of the Chase Sapphire Reserve.

The Sapphire Reserve travel credit is very simple to use. Every time you spend money on a travel-related expense, you will automatically receive a statement credit for it. Things that count towards the travel credit are:

  • Airlines
  • Hotels
  • Motels
  • Timeshares
  • Campgrounds
  • Car Rental Agencies
  • Cruise Lines
  • Travel Agencies
  • Discount Travel Sites
  • Passenger Trains
  • Buses
  • Taxis
  • Limousines
  • Ferries
  • Toll Bridges and Highways
  • Parking Lots and Garages (parking tickets also – ugh)

 

Lounge Access is the Best Benefit of the Sapphire Reserve

The Chase Sapphire Reserve card offers complimentary Priority Pass Select airport lounge access. After being approved for your credit card, you’ll have to activate your Priority Pass Select account. Then you’ll automatically receive a new membership card each year you keep your Sapphire Reserve credit card. Priority Pass airport lounges range in quality, but they’re all a nice relaxing place to get away while you wait at the airport. We like to grab a snack and a drink, charge our phones, and hang out in the comfort of lounge chairs.

Below, are the amenities you can expect in a Priority Pass lounge.

  • Digital Membership Card Option
  • Free Wifi
  • Drinks & Snacks
  • Alcoholic Drinks
  • TV’s
  • Internet Data Ports
  • Newspapers & Magazines
  • Disabled Access

Some lounges also have a few extra perks.

  • Showers
  • Conference Rooms (subject to a fee)

 

chase sapphire reserve 100k points

 

Priority Pass now features a few restaurants as well as lounges. At Priority Pass restaurants, members can use their membership card to earn a $28 credit for both themselves and one guest. So, if you and your guest go to a Priority Pass restaurant, you’ll have $56 to spend that will be covered by Priority Pass.

 

Don’t Forget About the Chase 5/24 Rule

Chase has an unwritten rule, known as the “Chase 5/24 Rule”, that only allows you to be approved for a Chase-branded credit card if you have less than five new credit cards opened within the last 24 months. The five credit cards opened don’t just include Chase credit cards, it includes nearly all credit cards. Small business credit cards don’t count toward the five card limit, but the Chase 5/24 rule does come into effect when applying for a business card.

Chase 5/24 Rule FAQ’s

Can I apply for 2 Chase credit cards on the same day when I’m 4/24 and get approved for both?

  • Data suggests you can, however, we recommend not pushing the line and only apply for one Chase card at a time. People have reported having their account shut down for applying for too much credit.

Can I apply the day my 5/24 limit drops off?

  • Preferably wait until the first day of the next month to apply.

I’m over the 5/24 rule limit, can I be approved for a card from another bank?

  • Yes. Approvals for credit cards from other banks besides Chase are not impacted by your 5/24 score. Each bank has their own set of rules for approval.

Do Chase business cards count toward my 5/24 score?

  • No. Being approved for a Chase business card will not add to your 5/24 limit. However, to get approved for a Chase business card you must be below the 5/24 limit.

 

The Chase Sapphire Reserve 100k 50k Signup Bonus is Still a Great Offer

While the Chase Reserve 100k signup bonus only lasted a few months, 50k points is still a great offer. At a value of at least $750, it’s still one of the premier bonuses of all cards. What makes it such a great offer is the amazing travel benefits the card comes with. Yes, the annual fee is $450, but it’s worth every penny and more. The signup bonus can be worth over $1000 if you redeem your points efficiently and the other travel benefits are worth even more than that if you use them regularly.

Back in 2016, I was lucky enough to get in on the Chase Sapphire Reserve 100k point offer. With such a high annual fee I planned to downgrade the card before the second year to lose the annual fee. I was wrong. I continue paying the annual fee to keep the card active because the benefits are just so good.

If you’re someone who travels often, this will be a great credit card for you. It sure has been valuable to me. The Chase Sapphire Reserve 100k 50k offer is still well worth the application. It’s the best premium travel credit card in the industry.

Chase Ink Preferred 100k Offer is Gone but it’s Still the Best

chase ink preferred 100k

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

You may have heard about the Chase Ink Preferred 100k offer that took place in 2018. It was a short-lived offer to receive extra Ultimate Rewards points as a signup bonus for the Chase Ink Preferred credit card. When this offer was live, it wasn’t even a public offer. You had to go into a Chase branch and hopefully have a branch manager allow you to get the offer. According to Chases information you also had to have a business with revenue over a million dollars. The bad news is there is no offer for a Chase Ink Preferred 100k signup bonus anymore.

The good news is the Chase Ink Preferred is still offering the best signup bonus in the credit card industry. The Chase Ink Preferred offers a signup bonus of 80,000 Ultimate Rewards points! That’s enough points to get more than $1,600 of travel value if they’re redeemed efficiently. At Travel Freedom, we see it as the best credit card offer available right now.

 

Chase Ink Preferred: 100k  80k Signup Bonus

As mentioned, we believe that the signup bonus for the Chase Ink Preferred card is the best in the business. The official value given by Chase is $1000, but that is the minimum redemption value. The points from the 80k Ultimate Rewards signup bonus can simply be worth at least double that ($1,600) by redeeming with Chase Ultimate Rewards travel partners.

80,000 Points after spending $5000 in the first 3 months

Chase Ink Business Preferred Credit Card
  • Introductory Offer: You’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from your account opening.
  • Category Spend Bonuses: You’ll earn 3 points per $1 on the first $150,000 spent on travel and select business categories (including social media advertising!) each account anniversary year.  You’ll earn 1 point per $1 on all other purchases, with no limit to the amount you can earn.
  • Other Benefits: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.  You can redeem points for travel, cash back, and gift cards, or transfer your points to an airline or hotel partner.  You’ll get a cell phone protection plan of up to $600 when you pay your cell phone bill with the card.  You’ll receive rental car loss and damage coverage if your reservation is paid with the card.
  • Annual Fee: $95 Annual Fee

Our thoughts about the Chase Ink Preferred 100k 80k Offer:

The 80k signup bonus is the best of any credit card in the market. Chase is giving away a ton of value for a credit card with only a $95 annual fee. The benefits of this card are great. The signup bonus alone for this card got us 3 round-trip flights to Hawaii. The spending category bonuses earn extra Ultimate Rewards for our online businesses. The Chase Ink Preferred is a must have credit card if you’re looking to earn Ultimate Rewards. It makes for a perfect credit card combination with a few of the other Ultimate Rewards cards, as you can combine your point balances between card accounts.

Learn more about the Chase Ink Business Preferred 100k 80k offer and find out how to apply HERE.

 

Redeeming Your Ultimate Rewards for More Value

As mentioned above, you can redeem the Ultimate Rewards that you’ll earn with the Chase Ink Preferred 100k 80k for more value than Chase advertises. There are 13 Ultimate Rewards travel partners consisting of airlines and hotels. You can transfer your points to any of these programs at a 1:1 ratio. We often transfer our points to Southwest Airlines, British Airways, and Hyatt hotels to earn redemptions well above 2 cents per point.

Ultimate Rewards Airline Transfer Partners

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Air France/KLM Flying Blue
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club

 

Ultimate Rewards Hotel Transfer Partners

  • Hyatt Gold Passport
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards

chase ink preferred 100k offer

 

Earn Bonus Points on your Business Spending

This card offers more than just the Chase Ink Preferred 100k 80k signup bonus. It has some great spending bonuses for certain business categories. You’ll earn 3X points on all spending in the following categories. I’m sure you spend money on at least a few of these categories regularly.

  • Travel: The travel bonus counts for flights, trains, taxi’s, other transportation, hotels, and much more.
  • Shipping: Do you ship packages for your business? This is one of the only credit cards that earn a bonus on shipping expenses.
  • Internet, Phone, & Cable: Does your business use a phone and the internet. I’m pretty sure every business does.
  • Online Advertising (search engines & social media): Think Google, Bing, Facebook, Pinterest

I’d bet you spend money on some of these categories. They’re a great way to earn some extra Ultimate Rewards without really doing anything. By earning 3X points on these purchases and then redeeming Ultimate Rewards at a value of 2 cents each, you’re essentially earning 6% back on those purchases. 6% value back on a credit card is unheard of!

 

Don’t Forget About the Chase 5/24 Rule

Chase has an unwritten rule, known as the “Chase 5/24 Rule”, that only allows you to be approved for a Chase-branded credit card if you have less than five new credit cards opened within the last 24 months. The five credit cards opened don’t just include Chase credit cards, it includes nearly all credit cards. Small business credit cards don’t count toward the five card limit, but the Chase 5/24 rule does come into effect when applying for a business card.

 

Chase 5/24 Rule FAQ’s

Can I apply for 2 Chase credit cards on the same day when I’m 4/24 and get approved for both?

  • Data suggests you can, however, we recommend not pushing the line and only apply for one Chase card at a time. People have reported having their account shut down for applying for too much credit.

Can I apply the day my 5/24 limit drops off?

  • Preferably wait until the first day of the next month to apply.

I’m over the 5/24 rule limit, can I be approved for a card from another bank?

  • Yes. Approvals for credit cards from other banks besides Chase are not impacted by your 5/24 score. Each bank has their own set of rules for approval.

Do Chase business cards count toward my 5/24 score?

  • No. Being approved for a Chase business card will not add to your 5/24 limit. However, to get approved for a Chase business card you must be below the 5/24 limit.

Chase Ink Preferred 100k signup bonus

 

The Chase Ink Preferred 100k 80k Bonus is Still the Best Offer

While the Chase Ink Preferred 100k signup bonus was short lived and never even a public offer, 80k points is still an amazing signup bonus. It’s the best regular introductory offer we’ve seen for a credit card since we started earning points back in 2012. It’s such a great offer because of the number of points you receive and the high value of those points. Ultimate Rewards are the most valuable points of any rewards program.

If you’re able to, get on this offer while it lasts. The Chase ink Preferred 100k 80k offer is the best in the business and the best we’ve ever seen for a regular signup bonus.

Business Travel Credit Cards that Earn More than Just Cash Back

the best business travel credit cards

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

As a small business owner, you’re always looking to both save and earn more money wherever possible.  1% growth on your bottom line is more money in your pocket and therefore good for your business. If, for instance, you could sell your product for 1% more or manufacture it for 1% less, you’d probably be very happy.  One way that your business can earn more, is by getting a better return on all expenses.  The way to do that is through the best business travel credit cards and their introductory bonuses.  They will make you wonder why you were ever happy with that 1% cash back credit card.

More information on each card can be found below:

 

Are You Missing Out on Free Travel Rewards?

If you’re using cash, a debit card, or even the wrong credit card for business expenses, you are missing out on either cash back or free travel.  While cash-back can be great, most cash-back credit cards will only earn you 1-2% back on all purchases. If you were to get the right combination of business travel credit cards, you could instead be regularly earning 5-10% value or more back in travel points.  Even better, if you’re willing to apply for business travel credit cards continually earning introductory bonuses, you can often earn at least a 10-20% travel value return on your spending.

best travel credit cards for business

 

34% Value Back Using a Business Travel Credit Card

Is it really possible to get as much as 34% back on your business expenses?  It sure is.  I’ll give you an example with one of the current business travel credit cards offering a great opportunity.  If, for instance, you sign up for the Chase Ink Preferred credit card and used it for your next $5000 of spend, you’d earn at least 85,000 points (introductory bonus plus at least 1x points on your spend).

How much is 85,000 points worth? On average, Chase Ultimate Rewards are worth about 2.0 cents (according to The Points Guy – Sept. 2018) each when used for travel. That means that your business spending of $5000 just earned you a potential travel value of $1,700.  A whopping 34% value back on your spending!!! No joke! That’s a lot more value than your average 1-2% cash back of $50-100… Think of the possible vacations you could be taking with all those points.

 

Travel More, While Spending Less

If you already travel a lot, you’re now going to be saving a lot of money using points, instead of your hard earned money.  If you don’t travel much yet, by now using business travel credit cards, you”ll have enough travel points to do it without spending much money at all.  Over the past few years, I have been able to travel as often as I can get time off, thanks to the abundance of points I’ve earned.  With all the hard work you’re doing on your business, I’m sure you could use a nice vacation!  Can you feel the warm sand between your toes yet?

best business travel credit cards airport

Best Business Travel Credit Cards Available Today

While the Chase Ink Preferred introductory offer is currently the best in the market at 80,000 points, there are plenty of other great business travel credit cards that can earn around $1000 of real world travel value.  There are also some extremely valuable benefits that come along with these business travel credit cards.  Some of them will save you money. Others will help you earn even more points through category spending bonuses.  I’ve compiled a list of the five best business travel credit cards that you should look into, according to their introductory bonuses and features.

 

Ink Business Preferred Credit Card

80,000 Point Introductory Offer

Chase Ink Business Preferred Credit Card

Features That Make This Credit Card Great:

  • Introductory Offer: You’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from your account opening.
  • Category Spend Bonuses: You’ll earn 3 points per $1 on the first $150,000 spent on travel and select business categories (including social media advertising!) each account anniversary year.  You’ll earn 1 point per $1 on all other purchases, with no limit to the amount you can earn.
  • Other Benefits: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.  You can redeem points for travel, cash back, and gift cards, or transfer your points to an airline or hotel partner.  You’ll get a cell phone protection plan of up to $600 when you pay your cell phone bill with the card.  You’ll receive rental car loss and damage coverage if your reservation is paid with the card.
  • Annual Fee: $95 Annual Fee

Our thoughts about this business travel credit card:

The Introductory Offer is one of the best we’ve seen for any credit card.  It’s a surprise how much value they give for a credit card with only a $95 annual fee.  We have this card and love the benefits.  We used the introductory offer bonus to purchase two round-trip flights to Hawaii, and still have 30,000 points left over.  That’s pretty impressive in itself.  On top of that, the spending category bonuses are worthwhile for most online businesses.

 


Ink Business Unlimited Credit Card

50,000 Point Introductory Offer

Chase Ink Business Unlimited Credit Card

Features That Make This Credit Card Great:

  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn unlimited 1.5% cash back on every purchase made for your business.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

Our thoughts about this business travel credit card:

Receiving this large of an introductory offer bonus on a no annual fee credit card used to be unheard of.  Now Chase has two of them.  I see this card as an excellent supplemental credit card to go along with the other Ink credit cards.  Because it earns 1.5 points per dollar on ALL purchases, it’s great for those purchases that don’t fall into a category bonus of the other cards.

 


Ink Business Cash Credit Card

50,000 Point Introductory Offer

Chase Ink Business Cash Credit Card

Features That Make This Credit Card Great:

  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn 5% cash back on the first $25,000 spent on purchases at office supply stores and on internet, cable and phone services each account anniversary year.  You’ll earn 2% cash back on the first $25,000 spent at gas stations and restaurants each account anniversary year.  You’ll earn 1% cash back on all other purchases with no limit to the amount you can earn.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

Our thoughts about this business travel credit card:

I love this travel business credit card!  Why? Because it earns 5 points per dollar on multiple categories that I actually spend in regularly.  Phone bill, internet bill, and all office supplies earn 5X points!  On top of that, office supply stores sell gift cards that can be used for many of our other expenses.  Did I mention it currently has a huge introductory offer bonus and no annual fee?  I loved this card even without the bonus!

 


Southwest Rapid Rewards Premier Business Credit Card

60,000 Point Introductory Offer

Chase Southwest RR Premier Business Credit Card

Features That Make This Credit Card Great:

  • Introductory Offer: You’ll earn 60,000 points after you spend $3,000 on purchases in the first 3 months that your account is open.
  • Category Spend Bonuses: You’ll earn 2 points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. You’ll earn 1 point per $1 spent on all other purchases.
  • Points Redemption: There are no blackout dates when you redeem points, no seat restrictions, bags fly free, and there are no change fees.
  • Annual Fee: $99 (Earn 6,000 bonus points after your Card member anniversary.)

Our thoughts about this business travel credit card:

Southwest’s reward booking process is by far the easiest to maneuver of all airlines.  Their points coincide with the dollar price of flights so you can get a great deal when they have sales.  I’ve flown round-trip for fewer than 7,000 points before.  The introductory offer bonus can go a long way.  Also, the introductory offer currently counts towards earning the Southwest Companion Pass, which is the absolute best deal in the traveling with points world.

 


CitiBusiness AAdvantage Platinum Select World Mastercard

70,000 Point Introductory Offer *LIMITED TIME OFFER

CitiBusiness Aadvantage Platinum Select Credit Card

Features That Make This Credit Card Great:

  • Introductory Offer: (Limited time) You’ll earn 70,000 American Airlines AAdvantage miles after making $4,000 in purchases within the first 4 months of account opening
  • American Airlines Benefits: Your first checked bag is free on domestic American Airlines flights.  You’ll save 25% on American Airlines in flight Wi-Fi when you use your card. You’ll also receive preferred boarding on American Airlines flights.
  • Category Spend Bonuses: You’ll earn 2 miles per $1 spent on eligible American Airlines purchases.  You’ll earn 2 miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.  You’ll earn 1 mile per $1 spent on all other purchases.
  • Annual Fee: $99 (waived for the first 12 months)

Our thoughts about this business travel credit card:

Wow! This introductory offer bonus is pretty special.  Plus, they’re still waiving the annual fee for the first 12 months.  It’s not every day you see an offer like this.

 


The Business Platinum Card from American Express OPEN – LEARN MORE

Up to 75,000 Point Introductory Offer

AMEX Business Platinum Credit Card LEARN MORE >

Features That Make This Credit Card Great:

  • Welcome Offer: You’ll earn up to 75,000 Membership Rewards points. You’ll earn 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Category Spend Bonuses: You’ll earn 5X points on flights and prepaid hotels on amextravel.com. You’ll earn 1.5 points per dollar, on each eligible purchase of $5,000 or more (up to 1,000,000 additional points per year).
  • Flight Bonuses: 35% Airline Bonus: Use Membership Rewards Pay with Points for a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year. You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • Airport Lounge Access: You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe.
  • Other Travel Benefits: $200 Airline Credit per calendar year.  Global Entry or TSA PreCheck statement credit.  Hilton & Starwood Gold Status.
  • Terms Apply

Our thoughts about this business travel credit card:

While this card isn’t for all businesses due to the high minimum spend to earn the welcome bonus, it has it’s valuable perks.  If you’re able to earn the welcome bonus, it’s very valuable with the Membership Rewards transfer partners.  The flying benefits of this card are what it’s all about in our opinion.  Lounge access, travel credits, free Global Entry or TSA PreCheck for 5 years, and hotel status all comes with this credit card.  If it’s right for your business, it can make traveling a joy.

LEARN MORE >

 


How We Chose the Best Business Travel Cards

  • Introductory Bonus Value: Obviously, a large portion of the value in these credit card offers comes from the introductory bonus.  We like to use The Points Guy’s point valuations to calculate a more accurate dollar amount for each offer when used for travel.
  • Earning Potential: We researched which cards have true value in their category spend bonuses.  This means they have earning bonuses in categories that are often used by businesses.
  • Travel Benefits: We factored in annual travel credits, like the $200 airline credit and lounge access offered by the Business Platinum Card from American Express OPEN.
  • Annual Fees: While an annual fee can make sense, we only find it worth paying them if the benefits of the card far outweigh the yearly cost.

Are You Eligible For a Business Travel Credit Card?

If you have a business or even just do some freelancing jobs as a side hustle, a small business credit card can help you separate your expenses, give you more buying power, and let you earn points from your business purchases. As you’ve seen, business credit cards offer bonus rewards on categories such as office supplies, airfare, advertising, dining and gas.  If you’re eligible through your business or side hustle, you could benefit greatly by having one or more business credit cards.

When you apply you will be asked for an EIN if your business has one.  Use this number on your application, which you should have received when you applied for your business.  If you are working as a sole proprietor, you won’t have an EIN and can simply use your social security number in this field when applying.  I have personally applied for and been approved for multiple business credit cards using both types of identification numbers.

Earn More Points Through Category Spend Bonuses

On top of the great introductory offers, category bonuses on spend make some of these business travel credit cards even better. Most of them have bonus spending categories that could make a lot of sense for your business. A couple of the category bonuses that I frequently take advantage of, are: 3X rewards for advertising on social media platforms from the Chase Ink Business Preferred credit card, and 5X rewards on office supply stores and on internet, cable and phone services from the Chase Ink Cash credit card.  Oh, and by the way, office supply stores happen to have a plentiful gift card selection… Wink, wink. This means that there is the potential of earning 5x points on almost all expenses that your business has.

vacation from business using points

Take More Vacations: It’s Now Possible

The conclusion of this story is that if you’re interested in traveling, and you’re currently making the mistake of using cash, debit card, or even cash back cards for your business expenses, YOU’RE PROBABLY DOING IT WRONG!!!  Find the right business travel credit card for your small business.  Then start earning something more valuable than 1-2% cash back. You can be getting much more value back from your business expenses.

If you’re not sure about the five cards we mentioned above, you can compare a larger selection of business travel credit cards here: Travel Credit Cards.  Take some time to review and compare what’s best for your business.  Imagine the vacations you and your family could be taking together…

Chase Sapphire Reserve vs Preferred: A Story of Two Travelers

chase sapphire reserve vs preferred

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

There are two versions of Chase Sapphire credit card. They’re both excellent travel credit cards but are made for slightly different types of travelers. We’re going to examine the competition between the Chase Sapphire Reserve vs Preferred. Is one of the cards better than the other? Like comparing most cards, it depends on who you’re talking to. One Chase Sapphire card may be better for you, while the other card may be better for someone else.

We’ve found that typically, the Chase Sapphire Preferred is the best first travel credit card to get. It has a modest annual fee (which is waived in year 1) with good travel benefits and a nice signup bonus. Meanwhile, the Chase Sapphire Reserve is the best credit card for regular travelers. It has a higher annual fee but comes with a tremendous amount of valuable travel benefits.

The Chase Sapphire Reserve vs Preferred competition is more complex than just comparing the features and selecting an overall winner. Which travel credit card is best, highly depends on the customers’ preferences. Let’s begin by taking a look at the features and benefits of each credit card to find out which card is right for you.

 

Chase Sapphire Reserve Review

The Chase Sapphire Reserve has done the impossible. It has made a $450 annual fee for a credit card seem like a steal by having amazing travel benefits. While it may be hard to get past the thought of paying $450 up front for the Chase Sapphire Reserve, the benefits are well worth the annual fee. For people who travel regularly, the lounge access, travel credit, and expedited airport security alone give enough value to cover the annual fee. That doesn’t even include the signup bonus, which adds even more value.


Chase Sapphire Reserve

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Reserve Credit Card
  • Introductory Offer: Earn an introductory 50,000 points after spending $4,000 within the first three months.
  • Statement Credits: Receive a $300 in statement credits each year (based on your account anniversary) to cover travel expenses like airfare and hotels.
  • Receive a $100 Statement credit as reimbursement for Global Entry or TSA PreCheck enrollment.
  • Earning Categories: You’ll earn 3 points per $1 spent on dining and on travel that doesn’t qualify for the $300 travel reimbursement each year and one point per $1 on everything else.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Receive 50 percent more value for your points when you redeem for travel via Chase Ultimate Rewards.
  • Airport Lounge Access: Visit more than 1000 airport lounge locations while traveling with a Priority Pass Select membership.
  • Annual Fee: $450

Learn more about this card and find out how to apply HERE.


Sapphire Reserve Signup Bonus

The Chase Sapphire Reserve 50,000 point signup bonus is worth at least $750 if used toward travel. Because you’ll redeem at a higher rate of 1.5 cents per point you get more value out of your Ultimate Rewards points. By transferring Ultimate Rewards to one of Chase’s travel partners you can redeem points for well over 2 cents per point. This option can make the Sapphire Reserve signup bonus worth more than $1000.

Chase Sapphire Reserve 300 Travel Credit

If you spend at least $300 on travel yearly, the Chase Sapphire Reserve $300 travel credit essentially erases 2/3 of the annual fee. By taking advantage of the Sapphire Reserve 300 travel credit, the annual fee gets knocked down to $150 (only $55 more than the Sapphire Preferred). That means that you’re paying just $55 for all the other benefits of the Chase Sapphire Reserve.

The Sapphire Reserve travel credit is very simple to use. Every time you spend money on a travel-related expense, you will automatically receive a statement credit for it. Things that count towards the travel credit are:

  • Airlines
  • Hotels
  • Motels
  • Timeshares
  • Campgrounds
  • Car Rental Agencies
  • Cruise Lines
  • Travel Agencies
  • Discount Travel Sites
  • Passenger Trains
  • Buses
  • Taxis
  • Limousines
  • Ferries
  • Toll Bridges and Highways
  • Parking Lots and Garages (parking tickets also – ugh)

Chase Sapphire Reserve Lounge Access

Along with this premium credit card comes complimentary Chase Sapphire Reserve Lounge access. After being approved you’ll have to activate your Priority Pass Select account to get Sapphire Reserve airport lounge access. Once activated, you’ll automatically receive your card each year you keep your Sapphire Reserve credit card. Priority Pass airport lounges range in quality, but they’re all a nice place to get away from the chaos of airport terminals.

When you enter a Priority Pass lounge you can expect to receive the following amenities:

  • Digital Membership Card Option
  • Free Wifi
  • Drinks & Snacks
  • Alcoholic Drinks
  • TV’s
  • Internet Data Ports
  • Newspapers & Magazines
  • Disabled Access

Some Priority Pass lounges also have:

  • Showers
  • Conference Rooms (subject to a fee)

chase sapphire reserve lounge

 

Priority Pass also now features some restaurants. Priority Pass members are able to show the restaurant their membership card to earn a $28 credit for themselves and a guest. That means if you and your guest go to a Priority Pass restaurant, you have $56 to spend that will be waived.

Overall, the Chase Sapphire Reserve packs a powerful punch of travel benefits. With its amazing travel benefits, the Chase Sapphire Reserve has been crowned the best premium travel credit card. It’s clear that the benefits will far outweigh the annual fee for people who travel often. In the Chase Sapphire Reserve vs Preferred comparison, it’s going to be hard for the Sapphire Preferred to match what the Reserve brings to the table. Let’s see how the Chase Sapphire Preferred does.

 

Chase Sapphire Preferred Review

The Chase Sapphire Preferred is often referred to as the best first travel credit card. This is because it has a lot of travel value while having a modest annual fee that is waived in the first year. It is very similar to the Sapphire Reserve but without many of the premium travel benefits. The main features of the Sapphire Preferred are the signup bonus, elevated Ultimate Reward redemption rates, and the ability to transfer points to travel partners.


Chase Sapphire Preferred

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Preferred Credit Card
  • Introductory Offer: You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards and potentially even more if transferred to travel partners.
  • Earning Categories: You’ll earn 2 points on travel and dining at restaurants worldwide & 1 point per $1 spent on all other purchases.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Annual Fee: $95 (waived in year 1)

Learn more about this card and find out how to apply HERE.


Sapphire Preferred Signup Bonus

The Chase Sapphire Preferred 50,000 point signup bonus is worth at least $625 if used toward travel. Ultimate Rewards can be redeemed at a higher rate of 1.25 cents per point through the travel portal which is more than the average card, but 25% less than the Sapphire Reserve. The Chase Sapphire Preferred also has access to the Ultimate Rewards travel transfer partners. By transferring Ultimate Rewards to one of the travel partners you can redeem points for well over 2 cents per point. Like the Sapphire Reserve, this redemption option can make the Sapphire Preferred signup bonus worth more than $1000.

Waived Annual Fee in Year 1

Other than the Chase Sapphire Preferred signup bonus being very good, the card also waives the annual fee in the first year. For no fee in year one, you’ll get up to more than $1000 in travel through the signup bonus. That’s a pretty great deal.

 

Chase Sapphire Reserve vs Preferred: And the Winner is…

From the above reviews, you can see that both Chase Sapphire cards are very good travel credit cards. So which card comes out on top of the Chase Sapphire Reserve vs Preferred comparison? The Sapphire Reserve is a high annual fee card that comes with a huge amount of value. The Sapphire Preferred is a card with a lower annual fee (none in the first year) that still gives a large number of Ultimate Rewards as a signup bonus.

Even though overall, the Chase Sapphire Reserve seems like the best card, it really depends on who the card is for. If you don’t travel very often, many of the benefits of the Sapphire Reserve will go wasted. If you do travel often, you’d benefit greatly from the travel benefits of the Sapphire Reserve. Below you can compare the important features of both cards side by side.

 

Chase Sapphire Reserve vs Preferred Side by Side

 Chase Sapphire Reserve
Chase Sapphire Preferred
Signup Bonus50,000 Points after $4000 in first 3 months50,000 Points after $4000 in first 3 months
Earning Rates3X Travel & Dining2X Travel & Dining
UR Travel Portal - Redemption Value1.5 Cents per Point1.25 Cents per Point
Travel Credit$300N/A
Lounge AccessPriority Pass SelectN/A
TSA PreCheck or Global EntryFull Statement Credit for Either ($85/$100)N/A
Authorized User Fee$75$0
Annual Fee$450$95 (waived in year 1)

 

Personally, if I had to choose between the two cards: Chase Sapphire Reserve vs Preferred, I would currently choose the Sapphire Reserve. I currently have it and get a ton of value from the signup bonus, lounge access, travel credit, and TSA PreCheck. This is because my wife and I are traveling often. Let’s take a look at two other travelers to see which card suits them best.

 

A Story of Two Travelers

chase sapphire reserve vs chase sapphire preferredEmilia’s Story: 

Emilia’s an elementary school teacher who loves teaching her 4th-grade class during the year. She also loves taking a nice big vacation each summer during her time off. The life of a teacher is tough during the school year and is very deserving of some relaxing time away.

Because Emilia doesn’t travel a lot throughout the year and just wants at least one vacation each year, the Chase Sapphire Preferred was a great choice for her. Just half of the signup bonus alone gave her enough miles to book a round-trip flight to Hawaii last summer (by transferring 25k of her points to British Airways). Also, she didn’t even have to pay an annual fee for the first year so the points came completely free.

With her summer flight only taking up less than her Ultimate Rewards balance, Emilia decided she’s also going to take a spring break vacation with some of her college friends this year. Two vacations with one signup bonus were more than perfect for her.

Chase Sapphire Reserve vs Preferred: Emilia chose the Chase Sapphire Preferred for its lower annual fee and valuable signup bonus

 

chase sapphire reserve vs sapphire preferredDani’s Story:

Dani’s a nurse who works four days on and then has four days off from work. She also gets a substantial amount of paid time off that she wants to use for traveling. Dani figures between her regular four days off in a row and her vacation days she’ll be able to take at least 10 trips this year.

She decided to get the Chase Sapphire Reserve because she wants the comfort of having both TSA PreCheck and Priority Pass Select lounge access when she’s stuck in airports. The Ultimate Rewards points from the signup bonus will cover a few of the flights, plus she will easily use the $300 travel credit. With all these perks she’ll be able to travel in luxury with all her available time off from work.

As a bonus, Dani decided to double down on earning Chase Ultimate Rewards. Using her side business, she also applied for the Ink Business Preferred card which comes with a signup bonus of 80,000 points and only an annual fee of $95. Her business is a sole proprietorship, selling some of her used things on eBay and Amazon. She also occasionally buys things at garage sales to also sell. The cool thing about her sole proprietorship is she can simply use her name and social security number instead of having to file for a business.

With both cards, she earned 130,000 Ultimate Rewards points that can likely be used for at least $2,500 of plane tickets (she plans to take advantage of airline partners)! Not too shabby for just two credit cards.

Chase Sapphire Reserve vs Preferred: Dani chose the Chase Sapphire Reserve for its luxury travel benefits and valuable signup bonus

 

Which Type of Traveler are You?

Depending on which type of traveler you are, either the Sapphire Reserve or the Sapphire Preferred would be a great addition to your wallet. In the Chase Sapphire Reserve vs Preferred competition, they are both worthy travel credit cards. The Sapphire Reserve is great if you travel often and want the travel luxuries it comes with. The Sapphire Preferred is great if you travel less often and wouldn’t get much use out of the travel benefits.

Both Chase Sapphire credit cards come with the excellent 50,000 Ultimate Rewards point signup bonus. If it’s an option you might even want to think about adding a business card like Dani to earn more points. All Chase Ultimate Rewards cards have the ability to transfer points between accounts to pool them together. Your significant other and you even have the ability to pool points together. Which card comes out victorious in the Chase Sapphire Reserve vs Preferred argument depends on you. Both credit cards are good choices. Depending on what you’re looking for in a travel credit card, one may suit you better.

Chase Freedom Unlimited Makes Your Spending Simple (+ Secret Bonus)

chase freedom unlimited

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

The Chase Freedom Unlimited credit card has been around since 2016. It was announced as Chase’s first Ultimate Rewards credit card that earns a fixed amount on all purchases. The Chase Freedom Unlimited earns 1.5 points on every purchase with no limit. Other than its earning format, it’s the exact same credit card as the original Chase Freedom card.

I mentioned that the Chase Freedom Unlimited is technically an Ultimate Rewards credit card, but is actually marketed as a cash back card. Every dollar spent will earn 1.5% “cash back” in the form of Ultimate Rewards. This feature makes the Freedom Unlimited much more valuable because of the ability to transfer Ultimate Rewards between Chase card accounts.

 

Chase Freedom Unlimited Review: Mind-Numbing Simplicity

The Chase Freedom Unlimited is made for the people who want simplicity when it comes to spending. They do not enjoy strategically getting the most points out of every dollar spent. That’s too much of a hassle for this type of person. But, they do still want to earn extra points on the things they buy. By earning 1.5 points on every dollar spent, it makes earning extra points very easy. With the Chase Freedom Unlimited, you don’t have to worry about using a certain card for groceries, a different card for gas, and yet another card for your cell phone bill. This card is perfect for people who just want their points to be simple to earn. If this is the type of person you are, the Chase Freedom Unlimited should be in your wallet.

 

Chase Freedom Unlimited Offer

15,000 Points after spending $500 in the first 3 months

Chase Freedom Unlimited Credit Card
  • Introductory Offer: You’ll earn a $150 Bonus (via 15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.
  • Introductory APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • Earning Points: You’ll earn 1.5 points per $1 spent on all purchases.  No worrying about category bonuses.
  • Free Credit Score: View your credit score, updated every week on Credit Journey.
  • Annual Fee: No annual fee

Learn more about this card and find out how to apply HERE.

 

The Chase Freedom Unlimited Signup Bonus

The Chase Freedom Unlimited signup bonus is not one of the highest in the market, but it’s good for a no-fee card. 15,000 Ultimate Rewards is worth $150 when redeemed for cash back or to purchase gift cards or products on Amazon. A Chase Freedom Unlimited $150 bonus is how they advertise it, but it can be worth more than that. The signup bonus gets really good is when you double the value of your points and are able to redeem for 2 cents per point instead of 1. Who wouldn’t rather redeem points for double what they’re marketed as? Let’s see how it’s possible.

chase freedom unlimited 150 bonus

 

Transfer Chase Freedom Unlimited Rewards to Multiply Point Value

Here’s the secret that will potentially turn 1.5% back into 3% or more on all your purchases. The Chase Freedom Unlimited is advertised as a card that earns 1.5% cash back on every purchase, but it’s more than just that. Because Chase Ultimate Rewards can be transferred between card accounts, it makes sense to pair one of the three premium Ultimate Rewards cards with the Chase Freedom Unlimited.

Why?

When you redeem Ultimate Rewards directly with the Freedom Unlimited you redeem at a value of one cent per point. But, when you redeem them from one of the premium card accounts they are redeemed for at least 1.25-1.5 cents per point using the Chase travel portal. This gives you 25-50% more value for your Ultimate Reward points. Even better, with any of the premium Ultimate Rewards cards, you can transfer points to airline and hotel travel partners which makes your points redeemable at well over 2 cents per point! Which Ultimate Rewards cards are “premium cards”? Let’s take a look.

 

The 3 Premium Ultimate Rewards Credit Cards

Chase Sapphire Preferred: Ultimate Rewards redeem at 1.25 cents per point. (at least 25% more value)

Chase Sapphire Preferred Credit Card
  • 50,000 Points after spending $4000 in the first 3 months.
  • Earns 2 points per dollar on travel and dining.
  • Transfer to travel partners at 1:1 ratio (often redeem points for more than 2 cents per point)
  • Annual fee of $95 (waived in year 1)

Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve: Ultimate Rewards redeem at 1.5 cents per point. (at least 50% more value)

Chase Sapphire Reserve Credit Card
  • 50,000 Points after spending $4000 in the first 3 months.
  • Earns 3 points per dollar on travel and dining.
  • Transfer to travel partners at 1:1 ratio (often redeem points for more than 2 cents per point).
  • Airport lounge access with Priority Pass Select.
  • $300 Travel statement credit.
  • TSA PreCheck or Global Entry
  • Annual fee of $450

Learn more about this card and find out how to apply HERE.

 

Ink Business Preferred (business card): Ultimate Rewards redeem at 1.25 cents per point. (at least 25% more value)

Chase Ink Business Preferred Credit Card
  • 80,000 Points after spending $5000 in the first 3 months.
  • Earns 3 points per dollar on travel and select business categories.
  • Transfer to travel partners at 1:1 ratio (often redeem points for more than 2 cents per point)
  • Annual fee of $95

Learn more about this card and find out how to apply HERE.

 

Since all three of these credit cards come with the ability to use Chase’s travel transfer partners, you can essentially double your points if you have one of them. If you’re able to combine one of these premium Chase credit cards to partner with your Freedom Unlimited, it always makes sense to transfer points before redeeming.

 

Chase Freedom Unlimited vs Freedom (There’s Only 1 Difference)

Every feature of the Chase Freedom Unlimited is identical to the original Chase Freedom card, besides one thing. How points are earned through purchases. We thought about making a comparison chart of the two cards side by side, but this is the one and only difference. The Chase Freedom Unlimited earns 1.5 points per dollar on every purchase. The Chase Freedom earns 5 points per dollar on quarterly rotating categories (things like groceries, gas, movies, and Chase Pay), and 1 point per dollar on everything else. Which card is better for you depends on if you want the potential to earn extra points or want simplicity. Below are the features that both Freedom cards offer.

  • $150 Introductory Offer (15,000 Ultimate Rewards)
  • $25 for adding Authorized User (2500 Ultimate Rewards)
  • 0% Introductory APR for 15 months
  • No Annual Fee

 

Chase Freedom Unlimited: Credit Score Needed for Approval

Now that you understand the value that the Chase Freedom Unlimited comes with, let’s find out what credit score is needed for approval. Although it is a no annual fee credit card, you still must have good to excellent credit to be approved. This means your score needs to be 670 or above to have a very good shot at being approved. If your score is under this level, it doesn’t mean that you won’t be approved, but your odds go down. I’ve seen online reviews that mention people being approved with credit scores in the mid 600’s.

If you don’t know what your credit score is, you can find out for free. It’s simple. Just go to Credit Sesame and make a 100% free account and it will give you a monthly estimate of your TransUnion credit score. Their estimations are very accurate. A free Credit Sesame account is also a good tool for keeping an eye on your credit to make sure nothing bad ever happens to it.

Credit Sesame Price: Free Get your free credit score each month, and monitor your credit report at no cost. We'll also send you monitoring alerts about changes to your credit report. Credit Sesame Last Updated: 10/02/2018

 

Is the Chase Freedom Unlimited for You?

With all the details in order, I’m sure you know whether the Chase Freedom Unlimited is for you or not. If you’re all about simplicity, then the straightforward 1.5 points per dollar spending is probably a great fit for you. Also, if you want to get a premium Ultimate Rewards card to partner with the Chase Freedom Unlimited, it’s also a good option. Instead of earning 1 point per dollar on “everything else”, you can earn 1.5 points.

If you’re purely looking for a cash back credit card you may be better off with a different card. There are a few options that earn 1.5-2% cash back and some even have bonus categories. The Chase Freedom Unlimited is more about earning Ultimate Rewards than it is cash back.

Nike Vapor Drawstring Bag Review

nike vapor drawstring bag

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

I’m sure you have certain products that you must always take on vacation. I sure do… Actually, the list keeps getting longer and longer as I find cool new travel products. From the time you start packing to the time you’re out on a snorkeling boat, some little things can improve your travel greatly. I’d like to share my favorites with you, including the Nike Vapor drawstring bag.

Travel Freedom is not only about travel credit cards. Certain travel products can greatly enhance the way you travel. We’ll be reviewing the Nike Vapor Drawstring Bag, which I believe is a must-have travel product for anyone. It’s one of the products that I can’t travel without. You’ll see why.

Nike Vapor Drawstring Bag (Black/Volt) Price: $28.99 With its secure drawstring closure, multiple pocket design and on-trend color combos, this drawstring backpack promises to keep your stuff safe while traveling. Nike Vapor Drawstring Bag (Black/Volt) Last Updated: 11/28/2018

 

The Perfect Drawstring Bag while On-the-Go

This travel product is a very simple one, but also a very valuable one. No matter where you’re headed, the Nike Vapor drawstring bag is your perfect travel mate. It’s a lightweight drawstring bag that’s big enough to carry all your necessities. The drawstring bag I personally own is made by Nike and has two compartments. It has a main compartment that securely closes at the top using the drawstrings. It also has a smaller zipper pocket in the front, which is perfect for things you might need more often like your phone, wallet, and keys.

They’re the perfect bag for when you’re out and about on vacation. Whether you’re going to the beach and need something to put your valuables in that can keep the sand out, or you’re exploring around a city and need a light bag to carry your belongings without making your back sweat, this drawstring bag is quite possibly perfect.

If you don’t already have a drawstring bag (aka a gymsack), the Nike Vapor drawstring bags are both inexpensive and high quality. I have dragged mine around with me for years and it’s still holding up. They also come in a variety of colors that look stylish.

Nike Vapor Drawstring Bag (Black/Teal) Price: $34.99 With its secure drawstring closure, multiple pocket design and on-trend color combos, this drawstring backpack promises to keep your stuff safe while traveling. Nike Vapor Drawstring Bag (Black/Teal) Last Updated: 11/28/2018

 

Our Nike Vapor Drawstring Bag is Easy to Pack

When my wife, Allison, and I are traveling we always bring our Nike Vapor drawstring bag with us and always seem to find a use for it. Our Nike Vapor drawstring bag is easy to pack. It weighs nearly nothing and doesn’t take up much space in your luggage at all. After I pack my suitcase, I just set the drawstring bag on top of my clothes. 

The Nike Vapor drawstring bag is definitely a necessity now. It allows you to easily carry your belongings around with you wherever you go while on vacation. Try one out on your next vacation and let us know what you think. If you’re like us, you’ll never go on vacation without one again.  

Nike Vapor Drawstring Bag (Gray/Anthracite) Price: $34.99 With its secure drawstring closure, multiple pocket design and on-trend color combos, this drawstring backpack promises to keep your stuff safe while traveling. Nike Vapor Drawstring Bag (Gray/Anthracite) Last Updated: 11/28/2018

 

Nike Vapor Drawstring Bag Review Results

Nike got it right with this one. The Nike Vapor drawstring bag has a height of 19 inches and a width of 14 inches. It has adjustable drawstrings for a more comfortable feel. The main compartment closes on top using the drawstring straps. There is also has a smaller pocket in the front that zips closed. The bag weighs 7 ounces by itself. It is a perfect size for any kind of normal use and has high durable quality. It’s definitely worth the price tag and its value factor is high. We have two of these bags already and are looking to add another style to the mix soon.

Understanding AmexTravel and Why it’s Usually Not the Best Option

amextravel

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer. Thank you for supporting us. We appreciate you.

There are so many travel booking portals that I can’t keep up with all of them. Credit cards have them, airlines have them, hotels have them, Cash Back websites have them… They’re all basically the same thing. You book travel through their portal and in return you’ll get something extra. Some cash back, extra perks, or more points earned. AmexTravel is no different. It’s essentially a search engine for booking travel.

I like to use points for travel whenever possible, but occasionally it just doesn’t work out. When I’m forced to spend money on travel expenses I shop around on a few different travel portals. Typically they all have similar prices.

 

What is AmexTravel?

AmexTravel is a travel booking portal just like Expedia, Kayak, Hotwire, and Trivago. I’m sure you’ve seen TV commercials for about a million different versions. You can book flights, hotels, car rentals, cruises, and vacation packages. If you book your travel with AmexTravel you’ll likely be paying a fee. Flights and travel packages, for instance, will cost an additional $6.99 domestically and $10.99 internationally (except if you’re a Platinum cardholder).

We’ll take a look at the features of AmexTravel and see if it’s worth using their service to book your next vacation. I’m going to go out on a limb and say it won’t be, but I’ve been wrong once or twice before. There may be times and certain situations when it does make sense.

 

 

amex travel

 

Prices on AmexTravel

For most people, the most important thing when it comes to booking travel is the price. AmexTravel isn’t known for its great prices. Typically, you’ll pay the same amount or more than you would on another travel booking portal when paying with money. If you’re an Amex cardholder you will earn bonus points on purchases made through AmexTravel. So, if the price is the same as elsewhere, you can earn extra Membership Rewards points while paying the same price. In this case, it would make sense to book through AmexTravel because you’d get something extra at no cost.

Periodically, Amex Offers will have a special discount for using AmexTravel. They’ll offer something like 10,000 Membership Rewards points when you book travel of $500. This would make it worthwhile to use AmexTravel. 10,000 Membership Rewards points can be worth more than $200 depending on how you redeem the points.

 

AmexTravel Customer Service

While they aren’t known for great prices, it seems that AmexTravel has been known, in the past, for their customer service. If you are someone who doesn’t want to have to worry about anything on your trip, booking with AmexTravel might be for you if you can connect with a good rep. They will be able to rebook anything that goes wrong on your vacation. Likewise, you can call them with any issues that may arise and talk to a live human to get your problem solved.

The problem is as of recently I’ve seen a large number of bad reviews online, claiming that the customer service is now terrible. Many people within the past year have mentioned that the customer service reps don’t care and make a lot of mistakes. While AmexTravel apparently used to have great customer service, it doesn’t seem that way anymore according to the comments a few review sites I found.

fine hotels and resorts

 

Benefits of Booking on AmexTravel

If the pricing is not great, and the customer service is subpar as of late, you may be wondering what the benefits of AmexTravel are. Well, there are two main benefits that make AmexTravel an option to consider.

First, you can earn extra Membership Rewards by booking with them. If you can find a good priced booking and can get over the bad customer service, there are easy points to be had.

Second, some bookings will give you extra benefits or perks at hotels and on cruises. Booking through AmexTravel may offer extra perks like onboard credit, free specialty dinners, or other added bonuses to cruises. At hotels, you might get early check-in, late check-out, free breakfast, wi-fi, room upgrades, or unique amenities. If either of these perks outweighs the difference in price, booking with AmexTravel might be worth it for you.

 

Combine Membership Rewards Points & Money to Book

Another nice thing about AmexTravel is the ability to use both points and money in the same transaction. Say you have some extra Membership Rewards points and need to use them up. You can use those to bring down the cost of your vacation.

When you use Membership Rewards in the travel portal you will only be redeeming them for one cent per point (which is the lowest redemption rate possible). It only makes sense to do this if you won’t be able to use those points for a more valuable redemption elsewhere.

 

Credit Cards that Earn Bonus Points on AmexTravel

As mentioned above, one of the main reasons to use AmexTravel for booking is to earn extra Membership Rewards points. You can earn bonus points on your flight and hotel purchases if you use certain American Express credit cards. With the Gold and Platinum cards from American Express, you’ll earn from 3-5X points per dollar spent.

 

The Platinum Card from American Express Learn More >>

60,000 Points after spending $5,000 in the first 3 months

american express platinum card

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  • Welcome Offer: You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
  • Uber: Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
  • Category Spend Bonuses: You’ll earn 5X points on flights and prepaid hotels on American Express Travel.
  • Airport Lounge Access: Enjoy access to the exclusive Global Lounge Collection.
  • Statement Credits: $200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
  • Annual Fee: $550 annual fee.
  • Terms Apply.

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The Business Platinum Card from American Express Learn More >>

Up to 75,000 Point Introductory Offer

AMEX Business Platinum Credit Card

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  • Welcome Offer: You’ll earn up to 75,000 Membership Rewards points. You’ll earn 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Category Spend Bonuses: You’ll earn 5X points on flights and prepaid hotels on American Express Travel. You’ll earn 1.5 points per dollar, on each eligible purchase of $5,000 or more (up to 1,000,000 additional points per year).
  • Flight Bonuses: 35% Airline Bonus: Use Membership Rewards Pay with Points for a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year. You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • Airport Lounge Access: You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe.
  • Other Travel Benefits: $200 Airline Credit per calendar year.  Global Entry or TSA PreCheck statement credit.  Hilton & Starwood Gold Status.
  • Annual Fee: $450 annual fee
  • Terms Apply

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American Express Gold Card Learn More >>

25,000 Points after spending $2,000 in the first 3 months

american express gold card

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  • Limited Edition: Get the Limited Edition Rose Gold card, only available until 1/9/2019.
  • Dining Offer: Receive 20% back as a statement credit at U.S. Restaurants in the first 3 months (up to $100 back). Available to those who apply by 1/9/2019.
  • Welcome Offer: You’ll earn 25,000 Membership Rewards Points after you spend $2,000 in the first 3 months.
  • Category Spend Bonuses: You’ll earn 4X Membership Rewards points at US restaurants. 4X points at US supermarkets (on up to $25,000 per year in purchases, then 1X). You’ll earn 3X points on flights booked directly with airlines or with Amex Travel. Also earn up to $10 in statement credits monthly when you pay with the Gold Card participating dining. Enrollment required.
  • Statement Credits: $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
  • Annual Fee: $250 annual fee.
  • Terms Apply.

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American Express Business Gold Card Learn More >>

AMEX Business Gold Rewards Credit Card

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  • Choose Your Rewards: You’ll earn 4X Membership Rewards points on 2 categories where your business spent the most each month.
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel.
  • Exclusive Offers: Get up to one year free on subscriptions to G Suite Basic (up to 3 users) and ZipRecruiter Standard (combined value up to $3,188).
  • Pay Over Time Option: Flexible payment option to help manage cash flow on purchases of $100 or more.
  • Expense Management Tool: Connect to Quickbooks, access SpendManager, receive a Year-End Summary, plus more.
  • Employee Cards: Add employee cards with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.
  • Annual Fee: $295 Annual Fee.
  • Terms Apply

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Fine Hotels and Resorts

Fine Hotels and Resorts is a program exclusively for American Express Platinum cardholders (personal or business). The Fine Hotels and Resorts program is aimed at high-end leisure travelers who are looking for luxury.

When you book a hotel or resort room through the Fine Hotels and Resorts program you will get the following extra benefits:

  • Early noon check-in, when available.
  • Room upgrade, when available.
  • Daily breakfast for two.
  • Guaranteed 4 pm late checkout.
  • Complimentary Wi-Fi.
  • A unique amenity at each property.

 

Prices are typically identical to booking through the hotel directly on a standard reservation. This usually means that by booking through the Fine Hotels and Resorts program you’ll be paying more than a prepaid booking elsewhere. Early purchase and Prepaid bookings are typically much cheaper than standard rates. It only makes sense to book through this program if the extra perks are worth the price difference.

When booking through the Fine Hotels and Resorts program you will still earn hotel stays through the hotels’ loyalty program. You’ll also receive elite benefits that your hotel status earns.

amex travel card

 

Amex Hotel Collection

The Hotel Collection is a program for certain American Express cardholders that gives extra benefits at certain hotels. All four Amex credit cards listed above grant access to The Hotel Collection. It has separate hotels and resorts than the Fine Hotels and Resorts program, so there is no overlap.

When you book a hotel room through The Hotel Collection you will get certain perks including:

  • $75 Hotel credit for dining, spa, room service, pay-per-view and resort activities.
  • Room upgrades, when available.
  • Extra Membership Rewards when booked with Amex Gold or Platinum.

 

American Express will guarantee that they have the lowest public rate for these hotels. All bookings are prepaid. Usually, the prices are a few dollars cheaper than booking directly with the hotel or through other travel portals. When booking with The Hotel Collection you, unfortunately, will not earn points or get elite benefits through any hotel status you may have.

If you don’t already have elite status at your desired hotel, it makes sense to book through The Hotel Collection. You’ll earn the hotel credit and have a chance to be upgraded to a better room. If you do have elite status, you’ll want to compare which route gives you the best benefits.

 

amex travel hotel benefits

 

AmexTravel Insurance

While all of the credit cards mentioned above provide different levels of travel insurance, American Express also offers their own travel insurance. It offers things like coverage for trip cancellation, travel medical coverage, lost or delayed baggage, and more. You’ll receive 24-hour travel assistance by phone and can get covered as an individual or for a group package. You don’t even have to be an American Express cardholder to purchase travel insurance through them. American Express travel insurance is for residents of the United States but gives coverage for trips worldwide.

Reviews of Amex travel insurance don’t seem to be the greatest. A better option to consider for travel insurance is World Nomads travel insurance. It is trusted by travelers around the world and companies like Lonely Planet and Nomadic Matt.

amex travel insurance

 

Our Concluding Takeaway: You Likely Shouldn’t Book on AmexTravel

AmexTravel can be a useful travel booking portal if you’re looking for extra perks or you want to earn more Membership Rewards points. Often, AmexTravel doesn’t have the best prices. If you’re paying with an Amex Gold or Amex Platinum card it may be worth paying slightly more due to the extra points you’ll earn.

The other reason you would use AmexTravel is for the comfort in having someone to contact about your travel plans. If you have any issues along the way, you can call up their customer service and have someone working for you 24/7. If you’re willing to pay a little bit more for extra service, this service might be for you.

 

Chase Ink vs Sapphire: The Battle for the Best Ultimate Rewards Card

chase ink vs sapphire

Editorial Disclaimer: This post may include references to offers from our partners. We may receive compensation when you click on links to specific products. The opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer. Thank you for supporting us.  We appreciate you.

There are five Chase credit cards that earn at least 50,000 Ultimate Rewards points from the signup bonus alone. Two of them are personal Chase Sapphire credit cards and three are business Chase Ink credit cards. All five of these Chase Ultimate Rewards cards earn top ranks when it comes to travel credit cards. Out of the five, we’ll analyze each card and determine which comes out on top in the battle of Chase Ink vs Sapphire.

  • Ink Business Preferred – 50,000 Point Signup Bonus
  • Chase Sapphire Preferred – 80,000 Point Signup Bonus
  • Ink Business Cash – 50,000 Point Signup Bonus
  • Chase Sapphire Reserve – 50,000 Point Signup Bonus
  • Ink Business Unlimited – 50,000 Point Signup Bonus

As you can see, the Ink Preferred card has the highest signup bonus. All of these cards have their own benefits. Let’s start comparing them.

 

Chase Sapphire: Personal Credit Cards

There are two versions of the Chase Sapphire credit card. The all-around good credit card in the Sapphire Preferred, and the ultra-premium credit card in the Sapphire Reserve. They’re both excellent travel credit cards in their own ways. It just depends on what you, the consumer, prefer. Let’s see what they have to offer.

 

Chase Sapphire Preferred

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Preferred Credit Card
  • Introductory Offer: You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards and potentially even more if transferred to travel partners.
  • Earning Categories: You’ll earn 2 points on travel and dining at restaurants worldwide & 1 point per $1 spent on all other purchases.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Annual Fee: $95 (waived in year 1)

This is the best travel credit card to get first. Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve

50,000 Points after spending $4000 in the first 3 months

Chase Sapphire Reserve Credit Card
  • Introductory Offer: Earn an introductory 50,000 points after spending $4,000 within the first three months.
  • Statement Credits: Receive a $300 in statement credits each year (based on your account anniversary) to cover travel expenses like airfare and hotels.
  • Receive a $100 Statement credit as reimbursement for Global Entry or TSA PreCheck enrollment.
  • Earning Categories: You’ll earn 3 points per $1 spent on dining and on travel that doesn’t qualify for the $300 travel reimbursement each year and one point per $1 on everything else.
  • Travel Point Transfer Partners: 1:1 point transfer to leading airline and hotel loyalty programs.
  • Extra Point Value: Receive 50 percent more value for your points when you redeem for travel via Chase Ultimate Rewards.
  • Airport Lounge Access: Visit more than 1000 airport lounge locations while traveling with a Priority Pass Select membership.
  • Annual Fee: $450

This is the best premium travel credit card overall. Learn more about this card and find out how to apply HERE.

 

 

The Best Chase Sapphire Card

Before examining the Chase Ink vs Sapphire debate, let’s find out which of the Sapphire cards is the best. This will be a tough decision because the differences between the cards are great. The signup bonuses are identical so that’s a wash. The Sapphire Preferred earns 2 points per dollar spent on travel and dining compared to 3 points per dollar on the Sapphire Reserve. Now to compare the benefits and fees. The Sapphire Preferred has minimal travel benefits and has an annual fee of $95, which is waived in the first year. Sapphire Reserve, on the other hand, has extremely valuable benefits but also comes with a high $450 annual fee.

Basically, the better Chase Sapphire card depends on what you’re looking for as a cardmember. If you don’t want a high annual fee, the best card is the Sapphire Preferred. But, if you want airport lounge access, TSA PreCheck, and will spend at least $300 on travel to receive the statement credit, the Sapphire Reserve is definitely worth the fee for you.

Overall, we’ll say that the Sapphire Preferred is the winner of the Chase Sapphire category because it has no annual fee the first year and has an equal signup bonus. Now let’s check out the Chase Ink business cards so that we can find out which is better in the Chase Ink vs Sapphire contest.

 

chase ink vs chase sapphire

 

Chase Ink: Business Credit Cards

Now that we’ve seen what the Chase Sapphire cards have to offer, let’s dive into the details of the Chase Ink business credit cards. There are three Chase Ink cards with widely differing features. They are all excellent choices. I actually have all three of these credit cards because they work well together. If you have multiple Ultimate Rewards credit cards you can transfer points between accounts to join them together.

 

Ink Business Preferred

80,000 Points after spending $5000 in the first 3 months

Chase Ink Business Preferred Credit Card
  • Introductory Offer: You’ll earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from your account opening.
  • Earning Categories: You’ll earn 3 points per $1 on the first $150,000 spent on travel and select business categories (including social media advertising!) each account anniversary year.  You’ll earn 1 point per $1 on all other purchases, with no limit to the amount you can earn.
  • Other Benefits: Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.  You can redeem points for travel, cash back, and gift cards, or transfer your points to an airline or hotel partner.  You’ll get a cell phone protection plan of up to $600 when you pay your cell phone bill with the card.  You’ll receive rental car loss and damage coverage if your reservation is paid with the card.
  • Annual Fee: $95

This business travel rewards card has the best signup bonus of all travel credit cards. Learn more about this card and find out how to apply HERE.

 

Ink Business Cash

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Cash Credit Card
  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn 5 points per $1 spent on the first $25,000 spent on purchases at office supply stores and on internet, cable and phone services each account anniversary year.  You’ll earn 2 points per $1 on the first $25,000 spent at gas stations and restaurants each account anniversary year.  You’ll earn 1 point per $1 spent on all other purchases with no limit to the amount you can earn.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

This business rewards card pairs well with the other Chase Ultimate Rewards cards. Learn more about this card and find out how to apply HERE.

 

Ink Business Unlimited

50,000 Points after spending $3000 in the first 3 months

Chase Ink Business Unlimited Credit Card
  • Introductory Offer: You’ll earn $500 bonus cash back (via 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Category Spend Bonuses: You’ll earn unlimited 1.5 points per $1 spent on every purchase made for your business.
  • Special Introductory APR: 0% introductory APR for 12 months on purchases and balance transfers.
  • Annual Fee: There is no annual fee.

This business rewards card pairs well with the other Chase Ultimate Rewards cards. Learn more about this card and find out how to apply HERE.

 

The Best Chase Ink Card

Hands down, the best Chase Ink card is the Ink Business Preferred. It is honestly the best credit card out there. Period. The signup bonus is nothing less than amazing at 80,000 points. My wife and I were able to book both round-trip flights to Hawaii and a resort on the beach for 3 of our nights with just the points from this signup bonus. No other card can get you that kind of value. Plus, the card only has a $95 annual fee. The Ink Preferred can also be converted to a no-fee card at any time if you wish.

Here’s why I have all three of these cards for a deadly combination of points earning. The Ink Business Preferred earns 3 points per dollar on certain business expenses and when the points are in this account they’re worth more and you can transfer to partner airlines and hotels (I often get 2 cents per point on redemptions this way). The Ink Business Cash earns 5 points per dollar on common expenses like cable, phone, and office supplies (5X on gift cards at an office supply store – they have a lot of options – wink, wink). Then, the Ink Business Unlimited earns 1.5 points per dollar on everything else. Together, they are a point-earning machine!

chase sapphire vs ink

 

Chase Ink vs Sapphire: Who’s the Winner?

Now we’ve seen the features of each credit card. We’re now ready to discuss which is better between Chase Ink vs Sapphire. This is how we’ll do it. We’ll have a few category winners for the cards that are the best at one particular feature. Then we’ll crown the overall winner of the Chase Ink vs Sapphire battle.

 

Best First Travel Card: Sapphire Preferred

Top Premium Travel Card: Sapphire Reserve

Best Card for Earning Points on Purchases: Ink Cash

Top Card for Simplicity in Earning: Ink Unlimited

CHASE INK vs SAPPHIRE CHAMPION: INK PREFERRED

 

Deciding which cards are best between the Chase Ink vs Sapphire is difficult. They’re all very good travel credit cards in their own right. But we have to choose a winner. The champion of the Chase Ink vs Sapphire debate is the Chase Ink Business Preferred card. It has the best signup bonus, a low annual fee, good earning potential, and great point-redemption value. Not only is it the best card in the Chase Ink vs Sapphire battle, but it’s also the best credit card of ALL cards. The value of the signup bonus can be worth well over $1500 in travel if redeemed through partners.