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Hilton Honors Ascend Credit Card Review: Made for Hilton Regulars

hilton honors ascend review

People who travel frequently will want to have access to good credit cards. If you find yourself on the road a lot, then you likely stay at hotels often. It makes sense that you should want to be able to be rewarded for your hotel visits. If Hilton Hotels is one of your preferred options when seeking accommodations on the road, then you may wish to consider the Hilton Honors Ascend Credit Card from American Express.

 

This credit card is going to offer you a very good experience while staying at Hilton Hotels. You are going to be able to earn rewards for using this credit card somewhat frequently. To add to this, there are also various benefits of being a cardholder. It makes it a worthwhile experience for many different people.

 

In order to determine whether or not this credit card is going to be right for you, it is important to get all of the information straight. We are going to look into every aspect of the Hilton Honors Ascend Credit Card from American Express. This review will seek to shed light on what it has to offer so that you can make an informed decision. Continue reading to dig into the rewards potential of this card and the various benefits that it offers cardholders.

 

Hilton Honors Ascend

Introductory Offer:

You’ll earn 125,000 Membership Rewards points after you spend $2,000 in the first 3 months.

Earn a free weekend night rewards after spending $15,000 in a calendar year.

Rewards:

You’ll earn 12X points Hilton properties. You'll also earn 6X at US supermarkets, restaurants, and gas stations. 3X on all other purchases.

Benefits:

Earn diamond status when you spend $40,000 in a calendar year.

Annual Fee:

$95 annual fee.

Terms Apply

Our Thoughts:

If you regularly stay at Hilton properties this card could be right for you. If you don't stay at Hilton often, it's probably not the best option.
LEARN MORE >>

 

Amex Hilton Honors Ascend Credit Card Fees

You do need to know that there is an annual fee associated with this credit card. You will have to pay out $95.00 per year in order to keep this credit card in your wallet. This is not too high when you consider other credit cards that offer similar rewards experiences. The annual fee is definitely not overly high, but it will still act as a deterrent for some people.

 

Luckily, there is no foreign transaction fee that you will have to deal with. If you need to use this hotel rewards card at one of the foreign locations, then you will be able to do so without having any problems. Not having to put up with foreign transaction fees is always going to make your experience that much nicer. It is perfect for anyone who has to travel outside of the US on occasion.

 

The other fees that you will have to pay are not too unusual either. Balance transfer fees are set at 3% with a $5.00 minimum. Cash advance fees are also set at 3% with a $5.00 minimum. Both late payment and returned payment fees are set at $38.00.

 

You can expect a standard APR when you sign up for this credit card, too. It does not come with any type of special introductory APR offer, either. This card will be pretty inoffensive in the APR department, and it does not stand out in any way in this category. It makes it a fine option for those who want to keep fees fairly low while having an average APR.

 

Features of the Hilton Honors Ascend Card

One of the best features of the Hilton Honors Ascend credit card is that it has a good welcome bonus. You can potentially earn a lot of points for spending a certain amount of money in the first three months of being a cardholder. The point total is so good that it will be able to make the annual fee a moot point if you can obtain it. This welcome bonus is very attainable and should not be too tough for most people to get, so long as they are planning on staying at hotels during the first three months.

 

Aside from this, most of the other features that stand out for this credit card have to do with the rewards program. If you want a good rewards credit card that will benefit you while staying at hotels, then this one will work nicely. We will go over all of the rewards categories and offerings for this credit card later on. There are also several important benefits to being a cardholder that need to be discussed.

 

Benefits of the Hilton Honors Ascend Card

Being a cardholder is going to give you access to a Priority Pass Select Membership. What this will do for you is give you 10 lounge visits that you can use throughout the year. If you want to purchase additional lounge passes after using up your allotted 10 visits, then they can be purchased for $27.00. Having access to the lounge is a nice benefit that will make your traveling experience that much nicer.

 

You will also be able to enjoy a complimentary weekend night reward once you have spent $15,000 on your card through purchases during the calendar year. This is something that many people will love being able to take advantage of. You can redeem these certificates very easily, and they can certainly help to alleviate some of your hotel expenses. As long as you spend enough during the calendar year, you should be able to count on this perk being available once a year.

 

Perhaps the most important benefit of becoming a cardholder is that you will receive complimentary Hilton Honors Gold Status. This status is going to get you access to some pretty incredible perks when you are staying at the Hilton. You will be able to enjoy room upgrades, complimentary breakfasts, and increased bonus points. If Hilton is your hotel of choice then this card may be worthwhile simply due to giving you access to Gold status.

 

There are also many standard benefits that will come in handy during your travels. You will be able to enjoy travel protections and purchase protections that will keep you safe. If you want a card that offers various good benefits, then this one definitely stands out. You will be able to make good use of this card in order to create the perfect hotel experience.

 

Rewards Program Info

The rewards program for this credit card has the potential to be very lucrative. You will be able to earn 12X rewards points for every $1.00 spent on eligible purchases at hotels or resorts that are in the Hilton family. This is a huge rewards number, and it can help you to earn points quite fast. If you stay at hotels often enough, then you will wind up with a mountain of points before you know it.

 

You will be able to earn an increased rewards rate for several other types of purchases, too. For instance, you can earn 6X rewards points for every $1.00 spent at US restaurants, supermarkets, and gas stations. If you are going to be doing a lot of normal shopping with this credit card, then it can pay off by earning you rewards points. These bonus categories are very easy to hit and you can enjoy redeeming these rewards for free hotel stays without it being a hassle.

 

It is also important to know that all other purchases can earn you 3X points per $1.00 spent. This type of rewards potential is normally relegated to bonus categories, but 3X points is actually the base rate of this credit card. It makes it so easy to keep earning points, even when you are purchasing something outside of the normal bonus categories. It is another good reason to consider signing up for this card.

 

Redeeming points will always be a simple process with this credit card. There are options for redeeming your rewards points such as transferring the points to airlines and redeeming points for merchandise. Generally, this is not going to be the best way to use your points. You will get more bang for your buck if you redeem the points for hotel stays.

 

You are also given some interesting options to customize how you are redeeming your points. It is possible to choose to use only some points towards a hotel stay and to pay for the rest in cash. This gives you greater control over how you are using your earned rewards points. Points can also be used for on-site rewards such as golf tee times and associated spas. You will always be able to choose how to best use your points.

 

The Pros

  • High rewards rate
  • Several bonus categories
  • Flexible redemption options
  • No foreign transaction fees

 

The high rewards rate of this card is the biggest reason to sign up for it. It is going to allow you to earn rewards consistently. Being able to earn 12x rewards points on Hilton Hotel purchases is fantastic overall. This can make it so that you will have plenty of rewards points to use to help alleviate some of your travel costs over the year.

 

Several bonus categories are available to make earning points as simple as possible. You will be able to earn increased rewards at not only Hilton Hotels, but you will also earn 6X bonus rewards at US restaurants, gas stations, and supermarkets. This makes it very practical to earn rewards by just buying normal everyday items. It increases the appeal of the credit card substantially and makes it so that more people will be able to earn rewards that can be used toward paying for hotel stays.

 

The flexible redemption options of this credit card make it really easy to use. You will be able to redeem rewards for hotel stays, but you will also have options for redeeming points for merchandise and transferring the points to travel partners. Aside from this, you can also decide to use only some of the points to pay for a hotel room, and you will be able to pay the rest with cash. You are very much in charge of how you redeem these rewards points.

 

A lack of foreign transaction fees is a helpful addition to this credit card, too. You will never have to worry about being charged extra fees for using your credit card when you are out of the country. It makes life a lot easier for people who travel abroad somewhat frequently. This card will be available to use outside of the US without you having to put up with pesky foreign transaction fees.

 

The Cons

  • Has an annual fee
  • Works best for people who stay at the Hilton Hotels a lot
  • American Express is not accepted everywhere

 

The fact that the Hilton Honors Ascend credit card has that $95.00 annual fee is going to hold it back just a little bit in some people's eyes. When you take the high rewards potential into account, it should help to alleviate any worries that you have. Even so, some people do not like paying annual fees that are this high. It is simply going to be up to you to decide whether or not this is going to be lucrative enough to justify the fee in your situation.

 

Also, this credit card really works best for people who stay at Hilton Hotels a lot. It has a lot of ways to let you earn rewards points, but the best redemption options are all related to hotel stays. If you do not travel often enough, then you may find that you are not using the points to their full potential. You just have to make sure that you are in the right demographic for this type of credit card.

 

One thing that you will need to keep in mind is that American Express is not accepted everywhere. This does not mean that you will not be able to use this card at many places. American Express is simply not as commonly accepted as Visa and MasterCard. It is still accepted at many locations, but you may find some businesses that do not take American Express cards.

 

That being said, you should know that this will not negatively impact your experience too much. All of the Hilton locations will certainly take the card, and most large businesses will, too. You may run into some smaller supermarkets that will have compatibility issues, though. It may be worth checking into whether your local supermarket accepts American Express ahead of time, especially since supermarket purchases can earn you 6X bonus points per $1.00 spent.

 

Credit Score Needed for Approval

Getting approved for this credit card will require you to have a very good credit score. The recommended credit score for this card is 690 or higher. If you have a credit score that falls in the excellent range, then your chances will wind up being even greater. You should definitely take the time to check your credit score ahead of time so that you can know what to expect.

 

Who Does the Hilton Ascend Card Appeal to Most?

This credit card is going to appeal to people who stay at hotels somewhat often. If you like to stay at hotels for fun or if you travel on business fairly often, then this card will be useful. You will be able to earn rewards on your hotel visits and can use those rewards to alleviate some of your costs. It is a very sensible card for many people to keep around.

 

It is also going to be a credit card that appeals to Hilton Hotel customers specifically. Of course, this hotel is only going to earn that 12X rewards rate when booking stays at Hilton Hotel family locations. If you really like the Hilton Hotels, then you will love being a cardholder. It will give you access to various perks and will make your hotel visits even nicer than before.

 

Anyone who wants to gain immediate Gold status with Hilton is going to want to sign up for this card, too. Just being a Gold member is going to make staying at the Hilton even better. The value of this status makes the annual fee of the card completely worthwhile. Anyone who stays at the Hilton somewhat often will be able to make good use of this credit card.

 

An Alternative Card to Consider

The Chase Sapphire Preferred Card is one of the best alternative options to consider. If you want to have a credit card that gives you good rewards potential, but you do not want to be locked into sticking with one hotel brand, then this card will be optimal. It gives you the ability to earn 2X points on all travel and dining purchases. These points can be transferred to various hotel partners, making it a practical card for many people.

Chase Sapphire Preferred Credit Card

See our full review of the Chase Sapphire Preferred.

 

This card has the same annual fee of $95.00 that the Hilton Honors Ascend Credit Card from American Express does. It offers a lot of value and is comparable to the Hilton Honors Ascend Card in certain ways. It does not offer all of the same amazing benefits, though. Weigh the benefits of each card to determine which one is going to give you the best experience.

 

Decision Time: Is the Hilton Honors Ascend Card Right for You?

The Hilton Honors Ascend Credit Card from American Express is a very good option for many different people. If you stay at Hilton Hotels often, then this card can be a truly lucrative option. It allows you to earn rewards on hotel stays at a very high rate. This card also has many other bonus categories that make it perfect for everyday purchases.

 

Earning rewards is so easy when you use this credit card to its full potential. If you use this card often enough, then you will be earning so many rewards points per year. This will make it easy to earn free stays at Hilton Hotels and the points are even able to be used in other flexible ways. A good card like this is highly recommended for anyone who is able to use it properly.

 

Hilton Honors Ascend

Introductory Offer:

You’ll earn 125,000 Membership Rewards points after you spend $2,000 in the first 3 months.

Earn a free weekend night rewards after spending $15,000 in a calendar year.

Rewards:

You’ll earn 12X points Hilton properties. You'll also earn 6X at US supermarkets, restaurants, and gas stations. 3X on all other purchases.

Benefits:

Earn diamond status when you spend $40,000 in a calendar year.

Annual Fee:

$95 annual fee.

Terms Apply

Our Thoughts:

If you regularly stay at Hilton properties this card could be right for you. If you don't stay at Hilton often, it's probably not the best option.
LEARN MORE >>

Amex Gold Card Review: Made to Reward Food and Travel Expenses

Amex Gold Review

Credit cards can be very worthwhile to keep in your wallet. In modern times, credit card companies have begun offering customers really great rewards options. There are various different types of rewards credit cards on the market now. You can find a rewards credit card for virtually every purchase category that someone would care about.

 

If you love going out to eat at restaurants, then a rewards credit card that will allow you to earn money for eating out is certainly going to appeal to you. You may want to look into the Amex Gold Card and see everything that it has to offer. This is a credit card that offers some great rewards potential for those who are capable of using it right. If you eat at restaurants on a very regular basis, then this might be the perfect addition to your wallet.

 

We are going to take a look at the Amex Gold Card from every angle so that you can see what it has to offer. This credit card has proven to be a popular option for many dining enthusiasts. Is this card going to be right for you? Keep reading, and we will find out the answer to that question together.

 

Amex Gold Card

Introductory Offer:

You’ll earn 35,000 Membership Rewards points after you spend $2,000 in the first 3 months.

Rewards:

You’ll earn 4X points at US restaurants and US supermarkets. (up to $25k in purchases per year) You'll also earn 3X on AmexTravel.com

Benefits:

Get $10 in statement credits per month for purchases at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House.

$100 airline fee credit on selected airline.

No foreign transaction fees.

Annual Fee:

$250 annual fee.

Terms Apply

Our Thoughts:

If you spend a lot of money on food and travel, this card will be worth the annual fee. If not, it probably isn't worth paying $250 per year.
LEARN MORE >>

 

American Express Gold Card Fees

Right away you are going to see that there is a large annual fee attached to this credit card. You will need to pay a $250.00 annual fee in order to make use of this credit card. That is automatically going to limit its appeal for some people. If you do not like to pay large annual fees, then this credit card may not be for you.

 

Even so, this credit card can make up for the high annual fee for those who are going to use it often enough. It is possible to earn much more in rewards money than the cost of the annual fee. It just depends on how often you spend money on dining out. Just know that this fee is going to be a factor in determining whether or not this card is for you.

 

You will not have to worry about any type of foreign transaction fees when you use this credit card. It is always nice to be able to avoid annoying fees whenever possible. If you need to use this credit card while you are abroad, then you can do so without fear. Being able to enjoy those fine restaurants across the world will be a very good experience overall, and there will be no extra fees that will sour the experience.

 

Otherwise, there are not any fees that are really worth mentioning in regards to this credit card. It will offer you a fairly standard experience when it comes to balance transfers, late fees, and other expenses. The APR is fairly average for a card of this tier, and it does not offer any type of a special introductory rate.

 

Features of the Amex Gold Card

Most of the features that you will be enjoying on this credit card are related to its rewards program. We will be discussing the rewards program in detail later. It is worth mentioning that this card does have a good introductory bonus. It is not so amazing that it will make you want to sign up all by itself, but it is certainly worth talking about.

 

As is standard practice for these welcome bonuses, you will need to spend a certain amount of money in the first three months of being a cardholder. The money must be spent in certain qualifying categories as well. Once this requirement has been met, you will be able to get a pretty good chunk of points. These points can definitely help to justify the annual fee, and it will be a good start for anyone who loves earning rewards.

 

Benefits of the Amex Gold Card

The Amex Gold Card actually has a number of different benefits that will make signing up even more attractive. For example, you will be able to take advantage of several special credits. You can make use of a $100.00 airline fee credit that you can use to pay for baggage fees and in-flight purchases. The only caveat is that you need to choose an eligible airline in order to be able to use your credits.

 

Another available credit is the annual dining credit. You can earn up to $10.00 in statement credits every month when you use your card to buy things at participating dining partners. Some of these dining partners include the Cheesecake Factory and Shake Shack. You have to enroll in this program through the American Express website in order to be able to take advantage of this benefit, but it is well worth doing. It could mean an extra $120.00 a year in statement credits for you.

 

Booking a hotel room through the Amex Hotel Collection is going to come with certain benefits too. You will be able to receive a $75.00 credit to use toward dining, resort activities, and spas on the property. You'll also be able to earn 2X rewards points on this purchase, so it will be worthwhile to use your card to book your hotels through the Amex Hotel Collection whenever it is possible. Hotel visits need to be at least two nights or longer in order for this beneficial credit to kick in.

 

Cardholders will also be able to rely on baggage insurance to help improve their overall traveling experience. Luggage that is damaged, stolen, or otherwise lost is going to be protected by this great benefit. You are going to be eligible for up to $1,250.00 in coverage for your carry-on baggage, and checked bags will be covered for up to $500.00.

 

Rewards Program Info

This rewards program is going to be the big selling point of this credit card. Amex Gold Card members will be able to earn 4X rewards points on US restaurant purchases. It may be a bit disappointing to some people that the increased rewards potential is limited to restaurants in the US. Even so, this is a very high rewards rate that can help you to earn a lot of rewards over time.

 

You will also be able to earn an increased rewards rate for purchases made at US supermarkets. You can earn 4X rewards points for purchases made at US supermarkets. This is capped at the first $25,000 that you spend in a year. After spending $25,000, you will be earning rewards at a 1X rate.

 

Cardholders can also earn 3X rewards points on airfare that is purchased directly through the airline. This makes it a pretty reliable travel credit card. This card hits many bonus categories that are going to be appealing to you. Whether or not this card is going to be a perfect fit will depend on just how well you can make use of these bonus categories.

 

Redeeming rewards is a great experience with this credit card. You can even transfer the points over to various travel partners. This gives you a ton of different options to consider when you want to use all of those points that you have been accumulating. When you transfer the points to one of the partner businesses, it really allows you to maximize the value of the points.

 

Rewards points can also be redeemed for things such as statement credit, gift cards, and much more. As long as you are willing to experiment a bit with the partner businesses, you should be able to use your points very effectively. This will allow you to really stretch those points out far. It can make it feel like you are earning rewards at a rate that is much higher than 4X, depending on how you use the points.

 

The Pros

  • Fantastic rewards potential
  • Bonus categories are easy to take advantage of
  • Redeeming rewards is a great experience
  • Beneficial credits

 

This card truly does have fantastic rewards potential. If you are looking for a credit card that will allow you to earn rewards at a high rate, then this one is going to really pique your interest. The Amex Gold Card is one of the best possible credit cards for both dining and grocery shopping. It helps you to get the most out of your money.

 

Bonus categories that are easy to take advantage of really make credit cards more appealing. You will always need to go grocery shopping, so you will constantly be earning rewards on your monthly expenses. The dining and airfare bonus categories are very helpful, too. This card will be quite useful to many different people.

 

Redeeming rewards is such a great experience with this credit card. You are given so many different options, and there are various ways that you can transfer the points to partner programs. It is possible to get a lot for your earned rewards points. It is one of the best rewards redemption programs around.

 

The beneficial credits that you will be receiving are very useful, too. Being able to enjoy credits to help mitigate airline baggage fees is a nice touch. Receiving statement credit for purchasing food from participating dining businesses is nice, as well. This card offers nice benefits, while also just being a good rewards card.

 

The Cons

  • The annual fee is somewhat high
  • Some people may prefer a simpler credit card
  • American Express is not accepted in as many places as some other cards
  • Could use more benefits

 

The annual fee of this credit card is still going to turn some people away from signing up. If you do not like the sound of paying a $250.00 annual fee, then you may want to think twice. Even so, this card can earn you a lot more money than $250.00 worth of rewards. Even the beneficial credits can potentially offset this annual fee, so you may not want to let it influence your decision too much.

 

Some people are going to prefer simpler credit cards, too. If you do not like having to worry about bonus categories, then this card may feel convoluted to you. This card should be used for specific things in order to maximize its rewards potential. Some might want to go after a flat rate cash back rewards card instead if they dislike bonus categories.

 

It should also be said that American Express is not accepted in quite as many places as Visa or MasterCard. American Express is a very good credit card company, but it may not be accepted everywhere. Keep this in mind before you sign up. It should not be a big issue, but it could cause a few problems here and there.

 

Lastly, this credit card does not have as many benefits as some other credit cards. If you really like being able to enjoy nice perks for being a cardholder, then this card may only feel so-so in that department. The benefits that are there are quite nice, but it could use something more special such as airport lounge access. Even if the benefits of being a cardholder are only average, this card is still a very good option based solely on the rewards program.

 

Credit Score Needed for Approval

If you want to get approved for this credit card, then you are going to need to have a very good or excellent credit score. Those who have a score of 690 or higher should be able to get approved for this credit card. Other factors are going to be considered as well such as income and general credit history. It is always best to check your credit score ahead of applying for a new credit card so that you will know what to expect.

 

Who Does the Amex Gold Card Appeal To Most?

A credit card like this actually has a very broad appeal. It is going to appeal to people who eat at restaurants frequently due to that category offering such high rewards potential. If you love trying out new restaurants and you find yourself going to them several times a week, then this card is perfect for you. You will earn an increased reward amount for using this credit card, and it will be easy to benefit from your dining habits.

 

Anyone who is looking for a good credit card to use for groceries will love this card, too. This is going to allow you to earn 4X rewards points at supermarkets for the first $25,000 that you spend each year. Being that most people would never spend that much money at the supermarket in a year, this card will pretty much always pay out the 4X rewards rate on your grocery purchases. You will be able to accumulate rewards points incredibly fast when you use this card.

 

This is a good card for people who like to travel, too. It offers 3X points when you use the card to pay for flights that are booked through the Amex travel website or directly through airlines. This allows you to earn some of your money back when you are going on a trip. This credit card is practical to use in so many situations, and it certainly deserves a spot in your wallet if you can make use of it properly. If you need a travel credit card that is practical in other ways, then this one might be the right fit for you.

 

An Alternative Card to Consider

Finding an alternative to this credit card is something that is somewhat difficult. It does not have many cards that directly compete with it. There are cards that may work out better for certain consumers who would like to avoid the high annual fee. One credit card to consider is the Chase Sapphire Preferred Card.

Chase Sapphire Preferred Credit Card

See our full review of the Chase Sapphire Preferred.

 

The Chase Sapphire Preferred Card is going to come in with a $95.00 annual fee. You will be able to enjoy 2X rewards points on all of your dining and travel purchases. It may not have quite the same rewards potential as the American Express Gold Card, but it does offer a very good rewards experience. If you want to pay a lower annual fee, then this card will work out nicely for you.

 

Decision Time: Is the Gold Card from American Express Right for You?

The Amex Gold Card is a fantastic credit card that should be in your wallet if you can make use of it often enough. You are going to be able to earn a lot of rewards for your dining purchases, and you can also earn increased rewards on grocery purchases. Even with the grocery purchases being capped at $25,000 per year, this card is going to be very worthwhile. It gives people the potential to earn a very large amount of rewards for using the card in ways that will feel natural.

 

If you eat at restaurants often and if you buy a lot of groceries, then this just might be your new favorite credit card. You do not often see credit cards that offer rewards potential that is this great. Combine that with the good benefits and the lack of foreign transaction fees to get a really appealing credit card. This is going to be a perfect fit for so many people, so don't let that $250.00 annual fee scare you off.

 

Amex Gold Card

Introductory Offer:

You’ll earn 35,000 Membership Rewards points after you spend $2,000 in the first 3 months.

Rewards:

You’ll earn 4X points at US restaurants and US supermarkets. (up to $25k in purchases per year) You'll also earn 3X on AmexTravel.com

Benefits:

Get $10 in statement credits per month for purchases at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House.

$100 airline fee credit on selected airline.

No foreign transaction fees.

Annual Fee:

$250 annual fee.

Terms Apply

Our Thoughts:

If you spend a lot of money on food and travel, this card will be worth the annual fee. If not, it probably isn't worth paying $250 per year.
LEARN MORE >>

Amex Blue Cash Preferred Card Review: Best Rewards Card for Groceries

Amex Blue Cash Preferred Review

Being able to earn rewards for normal purchases will always be a really good thing. When you have access to a credit card that has bonus categories that are easy to take advantage of, it can really be very lucrative. You will be able to earn some money back on your purchases and it can help you to offset some of your expenses. This is helpful for families and individuals from all walks of life so it is not surprising that many people are seeking the perfect rewards credit cards to suit their needs.

 

One rewards credit card that is starting to turn some heads is the Blue Cash Preferred Card from American Express. This card offers cardholders a potentially very useful rewards experience. Those who make use of this card can expect to earn extra cash back on grocery purchases and gas station purchases. Being that these are common shopping destinations for literally everyone, this card has a lot of potential as a rewards card.

 

Today we are going to take a deep look into the Blue Cash Preferred Card from American Express. This will allow you to see whether or not it is going to fit in with your needs. It is a card that definitely has a lot of uses and it is easy to see the appeal of it right away. Even so, it is a good idea to join us in examining it thoroughly so that you can make a truly informed decision on whether you should sign up or not.

 

Amex Blue Cash Preferred

Introductory Offer:

You’ll earn a $200 statement credit after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 6% cash back at US supermarkets. (up to $6000 in purchases per year) You’ll also earn 3% at US gas stations.

Benefits:

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

Annual Fee:

$95 annual fee.

Terms Apply

Our Thoughts:

This is THE best card for grocery shopping.
LEARN MORE >>

 

Amex Blue Cash Preferred Credit Card Fees

One of the negative aspects of this card is that it has a high annual fee. You will need to pay out a $95 annual fee in order to make use of this credit card. This is an annual fee that is quite a bit higher than many other rewards credit cards of this tier. Even so, it is possible to completely mitigate this annual fee with your earned rewards if you spend enough money on groceries every month.

 

You will have access to a good introductory APR offer when you sign up for this credit card too. This can be nice if you want to be able to carry a balance on the card for a little bit without having to worry about interest. The introductory APR is good for 12 months and it covers both purchases and balance transfers.

 

There are some other fees that you need to be aware of before signing up for this credit card too. The balance transfer fee is set at 3% with a minimum fee of $5. This is offset somewhat by the fact that there is an introductory APR offer but the fee will still apply. Be aware of this if you plan on transferring a balance to this credit card.

 

This card also has a foreign transaction fee of 2.7%. Granted, this is not a card that many people will expect to use outside of the country often. Regardless, if you travel outside of the country often, this could be a bit of a nuisance. You will want to remember that this fee exists so that you can avoid using the card while you are abroad.

 

Features of the Blue Cash Preferred

One of the neat features that will help to make this card more appealing is the welcome bonus. You will be able to earn a pretty hefty statement credit when you spend a certain amount of money within the first three months. This makes it so that you can offset some of your monthly expenses right away by simply using the card as normal. It is a good feature that will definitely go a long way toward making the card appealing right out of the gate.

 

You will also be able to take advantage of a free ShopRunner membership once you are enrolled. For those who are not aware, this is a bit of an Amazon competitor. It gives you the chance to shop online while getting free two-day shipping from many of your favorite retailers. Having access to this membership for free can certainly be helpful for anyone who buys a lot of odds and ends online.

 

Benefits of the Blue Cash Preferred

This credit card comes with many different benefits that will make being a cardholder that much better. You will have access to convenient perks such as car rental insurance. This can help you out when you are traveling and it will lessen some of your potential costs. If you have to rent cars for business from time to time, then this will help you out somewhat.

 

Purchase protection is a benefit that many people will be using when they sign up for this card. If you have any problems with your purchased item becoming damaged or getting stolen, then you can be reimbursed due to this handy feature. It may be a standard feature but it is one that you will be happy to have around. Return protection is also available when you make use of this credit card.

 

Cardholders will also have access to extended warranties. Many products that you purchase using this credit card will be eligible for a one-year warranty extension. Being able to keep products covered by a warranty for longer periods of time is always a good thing.

 

Rewards Program Info

As mentioned earlier, this credit card is going to give you increased rewards potential for certain categories. The biggest rewards category is going to be grocery purchases. Cardholders will be able to earn 6% cash back on all purchases that are made at grocery stores. This is a very high percentage and it will allow you to earn cash-back rewards at a very high rate.

 

There is a cap on how much you can earn at the 6% rate, though. You will be able to earn 6% cash back on your first $6000 spent on groceries in a calendar year. An average household of four people will spend a bit less than $6000 each year on groceries, though. This means that you will more than likely earn 6% cash back on all of your grocery purchases. If you do reach the cap, then you will only earn 1% cash back on the rest of your grocery purchases for the year.

 

It also needs to be said that some common places where groceries are purchased will not be included in the 6% cash back category. This credit card does not consider department stores such as Target or Wal-Mart to be grocery stores. If that is where you do all of your grocery shopping, then you may only earn 1% cash back. To take advantage of this card, you will need to shop at a normal grocery store so it may be beneficial to check whether or not your local grocery store will count ahead of time.

 

You will also be able to earn 3% cash back on all of your gas station purchases. Although not quite as high as the rewards potential for the grocery category, this is still a very beneficial cash-back amount. Also, this bonus category is not going to be capped at all. You can earn 3% cash back on gas purchases no matter how much you spend on gas in a year. This can allow you to earn a steady stream of cash-back rewards if you travel quite a bit on the road.

 

Redeeming your rewards will be easy. You will be able to redeem your earned cash-back rewards for a statement credit. The one caveat is that you will have to do at least a $25 redemption. This means that you must earn at least $25 before you will be able to actually use the cash-back rewards. Most people will not want to redeem the cash-back rewards until they have racked up a bit anyway, though.

 

The Pros

  • Great rewards potential
  • Ease of redeeming rewards
  • Nice welcome bonus

 

The great rewards potential of this credit card is the true reason to sign up. Even with the higher-than-usual annual fee, this credit card stands out for being truly fantastic. You will be able to earn ample cash-back rewards by purchasing groceries and gas with this card. It will allow you to rack up cash back rewards quickly and you will love how practical it is to use this card.

 

It is easy to redeem the cash-back rewards that you have earned too. As long as you have earned at least $25 in rewards, then you will be able to redeem your rewards for a statement credit. The $25 minimum redemption amount should not bother most people at all. You will be earning rewards at a high rate so you will likely earn much more than $25 in cash-back rewards in any given month.

 

The nice welcome bonus is another huge benefit to this credit card. If you like being able to take advantage of a good welcome bonus, then this card is going to appeal to you. You will be able to earn the welcome bonus without too much difficulty. It will give you a nice statement credit amount that you can use and it makes signing up that much sweeter.

 

The Cons

  • High annual fee
  • Low standard cash-back rate
  • Limited acceptance of American Express

 

The high annual fee of $95 is going to wind up scaring off some people. If you do not think that you will be able to use this card enough to justify this high annual fee, then you may want to shy away from this card. There are many other rewards credit cards on the market that do not have an annual fee attached to them. At the very least, there are credit cards that have lower annual fees that you could consider.

 

Many people are going to be able to make up the annual fee amount pretty easily by just using the card regularly, though. It really just comes down to how much money you spend on groceries and gas in one calendar year. If you buy groceries a lot, then you can probably justify signing up for the card even with the annual fee being so high. Think about the rewards potential of the card before considering this a true negative.

 

It can also be said that this card has a low standard cash-back rate. Only being able to earn 1% cash back on your purchases outside of grocery stores and gas stations might be a bit of a letdown. If you wish that there was a better standard cash-back rate, then you may want to turn to other credit cards. There are many credit cards with a standard cash-back rate of 2% or higher that you may wish to consider.

 

This is an American Express Card too, which means that it will not be accepted everywhere. American Express is a very reputable credit card company but they are not as prevalent as Visa or MasterCard. This means that some places may not accept your credit card. It will likely be accepted in most of the places where you would like to use it but you should still be aware that American Express does have some limitations when compared to Visa and MasterCard.

 

Credit Score Needed for Approval

In order to get approved for this card, you are going to need to have a very good credit score. The recommended score to shoot for when looking to get this credit card is 690. Those with excellent scores are going to have an even better chance of being approved. Remember to take the time to check your credit score before you apply so that you will know if you have a shot or not.

 

Who Does the Blue Cash Preferred Card Appeal to Most?

This credit card is going to appeal to many different people. Most people are going to spend a fairly significant amount of money on groceries and gas every single month. These are very common spending categories that most people are going to be able to hit very often. As long as you are not the type who simply eats at restaurants all the time, you will likely be able to make great use of this credit card.

 

It is possible that this card will appeal even more to families. Families are going to go through more groceries on a monthly basis than just a single individual. For this reason, families will be able to make really good use of this credit card without it being too much of a hassle. If you simply use this card to buy your groceries every month, then those rewards are going to come rushing in frequently.

 

Being able to earn 3% cash back on gas station purchases is great as well. If you have a long daily commute to your job, then this will be a credit card that appeals to you. You can use the card regularly for your gas purchases and will earn a good deal of your cash back. It is a very good credit card for many different people and just about everyone has to buy gas frequently.

 

An Alternative Card  to Consider

For some people, the Chase Freedom Card might be a better fit than the Blue Cash Preferred Card from American Express. The advantage of the Chase Freedom Card is that it will offer 5% cash back on the first $1500 spent on various bonus categories. These categories will rotate in and out on a quarterly basis. You will receive 1% cash back on all of your other purchases.

Chase Freedom Credit Card Review

See our full review of the Chase Freedom card.

 

What really makes this more appealing to some people is that the Chase Freedom Card does not have an annual fee. If that high annual fee of the Blue Cash Preferred Card from American Express scares you off a bit, then you may wish to go with the Chase Freedom Card instead. Both are truly excellent credit cards but that annual fee is not going to sit well with everyone. Consider the positives and negatives of each card and then make your ultimate decision between the two.

 

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

The Blue Cash Preferred Card from American Express is a fantastic addition to just about anyone’s wallet. This is going to allow you to earn a significant amount of rewards on a yearly basis. If you make use of this card correctly, then you can really offset a lot of your gas and grocery costs throughout the year. It will be a very practical credit card to use for gas and grocery purchases every single month.

 

If you are the head of a family and you go through a lot of groceries every month, then you will really start to see the benefits of signing up for this rewards card. It has some good features and there are other factors that also make it appealing aside from the rewards potential. Even so, just about anyone will recognize how useful this card is from a rewards perspective. If you buy groceries frequently, then you should definitely consider signing up for this credit card.

 

Amex Blue Cash Preferred

Introductory Offer:

You’ll earn a $200 statement credit after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 6% cash back at US supermarkets. (up to $6000 in purchases per year) You’ll also earn 3% at US gas stations.

Benefits:

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

Annual Fee:

$95 annual fee.

Terms Apply

Our Thoughts:

This is THE best card for grocery shopping.
LEARN MORE >>

United Explorer Business Card Review: Made for United Business Flyers

united explorer business review

If you find that you are doing a lot of traveling for your business, then it makes sense to seek out a travel rewards credit card. When you are going to be spending money on flights, it makes sense to want to get rewarded for it. If you use a travel rewards credit card to its full potential, then you can really work to save your business a bit of cash in the long run. There are a lot of different options to consider when it comes to finding a travel rewards credit card too.

 

Some rewards cards for businesses are going to be more general and will provide cash or statement credit bonuses. Other are more focused on travel benefits. This is the case with the credit card that we will be discussing today. The United Explorer Business Card is an airline travel rewards credit card that really comes in handy for certain businesses.

 

When your business books flights through United Airlines often enough, this credit card will be able to show you some real rewards potential. Being able to earn rewards at a fast rate is a great thing for your business. To add to this, you will also have many different perks or benefits that you can enjoy for being a cardholder. Is this card going to be a good fit for your business? Read on as we examine this credit card in depth so that you can make a decision for yourself.

 

United Explorer Business

Introductory Offer:

You'll earn 50,000 miles after spending $3000 in the first 3 months.

Rewards:

You'll earn 2X points on restaurants, gas stations, office supply stores, and with United Airlines.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Employee cards at no additional cost.

Annual Fee:

$95

Our Thoughts:

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

 

United Explorer Business Credit Card Fees

As with most travel credit cards, this card is going to come with an associated annual fee. The annual fee is set at $95 but it is going to be waived for the first year. Not having to pay it for the first year is a pretty good deal and the fee is not overly high anyway. This annual fee falls right in the middle of the pack as far as airline travel credit cards for businesses go.

 

The APR for this credit card is standard or maybe just a little bit high. This is not the type of card that most businesses will carry a balance on, though. The APR falls in line with most of the other travel rewards credit cards. One slight disappointment is that this card does not offer any sort of an introductory APR as an incentive.

 

Fees are also fairly standard when you are using this credit card. The balance transfer fee is set at 5% with a $5 minimum. The cash advance fee is also set at 5% but it has a $15 minimum. The maximum late fee that you can expect to pay with this credit card is $39.

 

You will not need to worry about paying any foreign transaction fees with this card. This will work out well for any businesses that fly out of the country regularly. If you have foreign business partners and need to go to meetings from time to time, then this card will remain very practical to use. Any time that you can avoid fees is going to be helpful so this is definitely a check mark in the positive column for this credit card.

 

Features of the United Explorer Business

This credit card has several features that will help it to stand out as a good option. One of the first ones that you will notice is that it has a nice sign-up bonus. Sign-up bonuses are fairly standard for rewards cards of any type but this one is actually quite nice. You will be able to earn many bonus miles for spending a pretty standard amount of money within the first three months, making it very easy to earn the miles.

 

You can also expect this card to be very secure for you. It makes use of the latest security technology and it is completely chip-enabled. This card will also be able to make use of a PIN to keep your account that much safer. This is fairly standard but it does help to make cardholders feel more comfortable that their business credit cards are as secure as they should be.

 

Most of the other important features are going to have to do with the rewards program. We will go over the rewards program in depth later on. Aside from standard features, this card also has a significant amount of benefits that will help to make your traveling experience great.

 

Benefits of the United Explorer Business

Cardholders will be able to enjoy a number of amazing benefits when making use of this credit card. One of the good benefits of being a cardholder is that you will be given calendar year bonus miles. This is fantastic for your business as it can help to offset some of your yearly travel expenses. You can expect to get 10,000 bonus miles each calendar year when you spend at least $25,000.

 

Business travelers who are using this credit card will also receive priority boarding. You will be able to access Group 2 boarding for both yourself and any companions who are traveling on the same reservation. You just need to include your MileagePlus number in your reservation. This is great for when you are traveling with multiple people on a business trip and it makes your traveling experience that much more convenient.

 

You will also get your first checked bag for free when you use this card. This also works for companions who are traveling with you when you include your MileagePlus number in your reservation. Making use of this benefit is going to help to save your business some money over the years. Avoiding several baggage fees will add up to a significant amount of savings in a calendar year so this can potentially make up for the annual fee after three or four flights.

 

Another benefit is that you will receive two United Club Passes. These passes grant you access into the lounge and it will significantly improve your travel experience. Note that these passes are one-time-only. Regardless, each pass is valued at around $118, making it a very nice perk to have access to.

 

There are a few other standard benefits that are worth making note of too. For instance, this card will grant you auto collision insurance on your rental cars. This gives you primary coverage that will cover the car in the event of the car being stolen or damaged. The coverage amount is up to the cash value of the car and it helps you to avoid having to submit an insurance claim to your normal car insurance company.

 

You will notice that there are a few luxury resort and hotel perks that are associated with this card too. When you book hotels through Chase’s Luxury Hotel and Resort Collection, you will be able to enjoy free breakfast and room upgrades. You’ll also be able to enjoy several other standard benefits such as lost luggage protection, trip insurance, purchase protection, and much more. It is definitely a full-featured card that will prove to be very worthwhile for your business.

 

Rewards Program Info

The rewards program is actually where this credit card starts to stand out from the competition. Some airline travel rewards business credit cards do not offer too many opportunities to earn increased bonus points. This is not the case with the United Explorer Business Card. Cardholders can earn 2X miles on all United purchases as well as purchases at gas stations, restaurants, and even office supply stores.

 

All of the other purchases that you make with this credit card will allow you to earn 1X miles for every $1 spent. This is a good amount of reward miles to earn for your everyday business expenditures. Being able to earn the increased 2X bonus miles rate on so many different things will be helpful. Those who spend a lot of money on those categories will wind up earning miles at a very fast rate.

 

Redeeming the rewards that you have earned will be a good experience too. You can redeem your miles for flights with United, as you might expect. It is also possible to redeem miles for flights with United Airlines’ 27 Star Alliance partner airlines. This gives you plenty of options to make use of and will allow you to book your travel in the most convenient ways possible. The United Explorer Business card is not as limiting as some other airline-specific travel credit cards and it should be very customer-friendly.

 

It should also be noted that you will be able to book your United flights with your rewards points without having to worry about blackout dates. It is always nice when companies do not put restrictions on you in this way. You will be able to use your miles as you see fit without being forced to use the rewards only for specific dates. Miles can also be redeemed for car rentals, hotels, and merchandise but this will not allow you to maximize the value of your earned miles.

 

The Pros

  • Great benefits
  • Good sign-up bonus
  • Robust rewards program
  • Ease of redeeming rewards

 

This card definitely has many great benefits. Being able to enjoy checking your first bag for free is going to save your business a lot of money. You will be able to enjoy other great perks too, such as priority boarding. When you combine this with the more standard perks, it really becomes obvious that this card is very beneficial to have in your wallet.

 

The fact that this credit card has a good sign-up bonus is really nice as well. It is not hard to earn the sign-up bonus and it will be easy to take advantage of some easy bonus miles. These miles can definitely be used to help keep your travel costs a bit lower for your business. This is a better sign-up bonus than many other travel rewards credit cards so it will definitely pull some people in.

 

Credit cards that have a robust rewards program are always so satisfying. This airline travel rewards credit card makes it easy to earn bonus miles. You can earn a 2X bonus miles rate on United Airlines purchases, gas stations, office supplies, and restaurants. Many businesses will be able to take advantage of this to really rack up those bonus miles.

 

Redeeming your earned rewards is very easy with this credit card too. You will be able to redeem your earned miles for flights with United Airlines and can also book flights with the many partner airlines that are associated with United. This makes it about as convenient as it can possibly be and you will be able to use your miles as you see fit. There are no blackout dates to concern yourself with and it will be a smooth experience.

 

The Cons

  • APR might be a bit high.
  • Some people may want greater rewards flexibility.

 

This is a very good credit card that does not have too many negatives. Even so, it can be said that the APR on this credit card is a bit higher than some others. It also does not offer any type of special introductory APR rate. If these types of features are important to you, then you may wish to think twice about this card.

 

Also, some businesses may wish for more flexibility in the rewards structure. The rewards of this credit card are quite good but you will not be able to get cash back or make use of many other options. You can redeem rewards for merchandise, hotels, and rental cars but doing so will not be cost-effective. You will get more monetary value out of your earned miles when redeeming them for flights so you will likely feel obligated to do just that.

 

If you like being able to choose between cash-back options and travel redemptions, then you may want to look into a different business rewards credit card. Otherwise, this credit card will be very good for businesses that travel often. It can help to keep travel costs a bit lower and will always be easy to use.

 

Credit Score Needed for Approval

You will need to have a credit score that falls in the good range to be approved for this card. It is going to be best to have a score that is toward the higher 600s in order to give yourself the best chances. Taking the time to check your credit score first is always a good idea. This will allow you to know for sure whether or not you have a chance of being approved.

 

Who Does the United Explorer Business Card Appeal to Most?

As expected, this credit card is going to appeal to businesses and business owners who do a lot of traveling. If you have to fly to get to business meetings or other important events, then it makes sense to have a credit card such as this. It can help you to earn rewards and this can offset some of your expenses in ways. The access to travel perks is great too as it allows you to have a smoother traveling experience.

 

This card is also perfect for businesses that fly using United Airlines regularly. If you are already a United Airlines customer, then this card is a natural fit for you. This is going to allow you to earn 2X miles for all of your United Airlines purchases so it is a good card to help you earn rewards quickly. It will work out nicely for anyone who generally sticks to United Airlines and should help your business out a lot.

 

An Alternative Card to Consider

The Ink Business Preferred Credit Card may be a better fit for some people. If you like to use credit cards that are not tied to a specific airline, then this one may be perfect. It offers a huge signup bonus and it’s points can be transferred to many airlines and hotels, including United. It also offers you the ability to earn 3X Ultimate Rewards points for the first $150,000 spent on travel, utilities, and shipping. This card can be quite lucrative for businesses and it may be the right one for you.

Chase Ink Business Preferred Credit Card

See our full review of the Chase Ink Business Preferred.

 

This card has some pretty good perks too. It matches up well with the United Explorer Business Card. In some ways, the Ink Business Preferred Credit Card is more flexible. It just depends on what you want out of your business rewards credit card. If you travel a lot and fly with United Airlines, the United Explorer Business Card can still be a very appealing option. Both are very much worth considering.

 

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

The United Explorer Business Card is something that just might deserve a place in your wallet. If you need a reliable credit card that will help you to save money on travel costs by earning rewards, then this is great. It is perfect for existing United Airlines customers and will make your business travel expenses that much easier. If you have a need for a business credit card that will offer you good travel perks, then this one should be at the top of your list.

 

You will be able to make good use of this card to help you earn many bonus miles. Spending the miles will always be intuitive and you will have many options for booking flights. The annual fee for this credit card is reasonable and the perks make it even more worthwhile. It is a good card that will work well for any business that is capable of using it to its full potential.

 

United Explorer Business

Introductory Offer:

You'll earn 50,000 miles after spending $3000 in the first 3 months.

Rewards:

You'll earn 2X points on restaurants, gas stations, office supply stores, and with United Airlines.

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Employee cards at no additional cost.

Annual Fee:

$95

Our Thoughts:

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

Learn More about How to Apply

Southwest Rapid Rewards Priority Credit Card Review

southwest rapid rewards priority review

Travel rewards credit cards are very popular and there are a lot of different cards out there. Some of the more interesting cards in recent memory are tied to specific airlines. If you are looking for an airline rewards credit card, then the Southwest Rapid Rewards Priority Credit Card just might appeal to you. It offers ample rewards for Southwest Airlines customers and can definitely enhance your travel experience in a few ways.

 

Anyone who wants to be able to earn rewards for booking flights through Southwest Airlines will be interested in seeing what this card has to offer. The card has the potential to earn you a lot of rewards when you fly regularly. It might even be one of the top travel reward credit cards on the market in terms of booking flights. It’s a sensible option for some but is it going to be right for you?

 

We are going to look at the Southwest Rapid Rewards Priority Credit Card thoroughly to help you determine just that. Come along with us as we examine this credit card in an in-depth way. You will be able to see everything that it has to offer and it will be easier to tell whether or not it is a good fit for your wallet. It is always worth it to take the time to look at credit cards from all the different angles before you decide to commit so read on to get all of the information that you need to know.

 

Southwest Rapid Rewards Priority

Introductory Offer:

You'll earn 40,000 points after spending $1000 in the first 3 months.

Rewards:

You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.

Benefits:

$75 Southwest travel credit each year.
4 Upgraded boardings per year.
20% back on in-flight drinks and wi-fi.
Earn 7500 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
No foreign transaction fees.

Annual Fee:

$149

Our Thoughts:

Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN MORE >>

 

Southwest Rapid Rewards Priority Credit Card Fees

One thing is going to make this card stand out right away when it comes to prices and fees. You will see that this card has a $149 annual fee. This is a pretty high fee overall and is higher than most of the other credit cards that are offered by Southwest. Even with the high fee, this card does still have a lot of value so don’t let it completely deter you from wanting to give this card a go.

 

To help balance things out a bit, you will be able to avoid foreign transaction fees when using this credit card. This card has no foreign transaction fees and this makes it a lot easier to use when traveling abroad. No one wants to be hit with a hefty fee when he or she needs to use his or her credit card while outside of the country. If you travel to other countries somewhat often, then not having to pay foreign transaction fees will be a real blessing.

 

The APR on this credit card is a bit high, though. This is not a credit card that you will want to carry a balance on if you can help it. A high APR may limit the uses of the card somewhat. You will probably not want to transfer a balance over to this card either but it was never really designed to be a balance transfer card to begin with.

 

You also should know that this card does not have any type of an introductory APR. This can be somewhat of a letdown for people who are used to taking advantage of these types of offers. You will be getting the standard APR right out of the gate. It should not deter you from giving the card a shot but you will want to try to use this credit card in the most intelligent ways possible.

 

Features of the Rapid Rewards Priority Card

There are a couple of features that will really be helpful when you sign up for this credit card. The first one is that it has a nice sign-up bonus. Spending a certain amount of money in the first three months of being a cardholder will allow you to claim this lucrative bonus. It will help you to earn a big chunk of reward points all at once.

 

The best part about this sign-up bonus is that you will be able to earn it pretty easily. If you travel fairly often, then you will definitely be able to earn this bonus. The price of a couple of plane tickets is going to get you close to the required amount of money to earn the bonus. This is a great way to start off your time with this credit card and it will help to make paying that annual fee feel as if it is less of a burden.

 

To add to this, you will also be able to receive free bonus points upon every credit card anniversary. This is a nice perk that is offered by the Southwest Airline credit cards. For this specific card, you will receive 7500 bonus points for every anniversary. If you add up the value of the points, this will put a dent in making up that annual fee.

southwest priority credit card

 

Benefits of the Rapid Rewards Priority Card

If you like to have many benefits when you sign up for a credit card, then this one is not likely to disappoint you. There are several good benefits that will make being a cardholder feel worthwhile. One perk that everyone will be able to take advantage of easily is the free $75 of annual Southwest travel credit. You can spend this on flights or you can use it for other Southwest Airlines purchases.

 

Aside from this, you will also be able to enjoy four upgraded boardings per year. Upgrading boarding is something that will typically cost you up to $50. Being able to upgrade boardings for free four times per year is going to save you money. Saving money while making your traveling experience that much nicer is certainly going to be a good selling point for this card.

 

Cardholders will also enjoy saving money on all in-flight purchases when flying with Southwest Airlines. When you purchase things such as drinks, WiFi, or movies, you will be reimbursed for 20% of the purchase cost. This reimbursement will come in the form of statement credit. It just makes it that much more convenient for you to fly with Southwest Airlines.

 

Lastly, having this card will make it easier to work towards getting to the next tier with Southwest Airlines. For each $10,000 that you spend in a calendar year, you will gain 1500 tier-qualifying points. This helps you to gain your A-list or A-list preferred status that much more quickly. If you like the idea of working toward becoming a preferred Southwest Airlines customer and enjoying the perks that come along with this status, then you will certainly benefit from having this card.

 

Rewards Program Info

You will be able to earn a pretty good amount of rewards when you fly through Southwest Airlines using this credit card. Cardholders will earn 2X rewards points on all Southwest Airlines purchases. This will include flights as well as other types of Southwest Airlines purchases. If you fly often enough, then this is going to pay off for you pretty quickly.

 

Cardholders will also be able to earn 2X rewards points on purchases made at Rapid Rewards hotel and car rental partners. This means that you will be able to earn double rewards on quite a few travel-related purchases. If you use this card as a pure travel credit card, then you should be able to rack up rewards at a decent rate. All other purchases will allow you to earn 1X points for every $1 spent.

 

You will be able to redeem your rewards in a very straightforward way with this credit card. Once you have earned enough points, you will be able to redeem those points for flights. There are other redemption options as well but redeeming points for flights is the best way to use your rewards points when trying to maximize their value. You will always be able to redeem points for flights at any time and it will be a streamlined process.

 

Another great aspect of this that you should know is that you are allowed to change your plans when you redeem points for a flight. If your plans change and you need to cancel your flight, then you can simply deposit those rewards points right back into your account. It is easy to do this and it always feels customer-friendly. You will not be penalized in any way so this is certainly a good card when you want to redeem earned points towards flights.

southwest priority card

 

The Pros

  • 2X rewards points on Southwest Airline purchases
  • Good perks
  • Customer-friendly point redemption process
  • Good sign-up bonus
  • Annual bonus

 

You are going to be able to earn 2X rewards on all of your Southwest Airlines purchases. This makes it easy to start racking up the rewards when you travel a lot. If you are a loyal Southwest Airlines customer, then this will be a very easy way to earn rewards. You will be able to work toward earning your next tier as a Southwest customer as well.

 

The perks for being a cardholder are pretty nice. You will get a free $75 in Southwest credit that you can use towards flights or other purchases. Cardholders get to upgrade their boarding four times per year for free. Being able to save 20% on in-flight purchases is a really great perk too.

 

The fact that this card has a good sign-up bonus is really going to help you out too. This will let you earn a lot of points really quickly. You can get this sign-up bonus without it being too big of a deal either. It is very attainable and most people who travel often will earn the bonus without trying hard at all.

 

Having an annual bonus helps this card stand out from the competition as well. You will be given bonus points for every anniversary that you celebrate as a cardholder. These points can be useful for helping to offset the cost of that annual fee. You will be able to get these points every year without fail and they will always come in handy.

 

The Cons

  • High annual fee
  • Lack of flexibility
  • No airport lounge access
  • Rewards restricted to Southwest Airlines

 

The biggest downside to this credit card for many people is going to be the high annual fee. Overall, this fee is not absurd but it is higher than many are used to paying. If you don’t like the idea of paying a higher-than-normal annual fee, then it may keep you from wanting to sign up. For most people, you will earn enough through rewards to justify the fee and the benefits also help to offset it.

 

A lack of flexibility does harm this card a bit too. You will not have as many redemption options as you might like when it comes time to use your earned rewards. Most people will want to use the rewards points to book flights as it will allow you to maximize the value of your points. There are some other options but they are not as robust as some other travel credit cards on the market.

 

Not being given any airport lounge access as a perk of this credit card is a bit of a letdown too. This is not quite a luxury credit card but the annual fee is higher than many other cards. Airport lounge access is a great perk that some travel credit cards can offer you but this card is not one of them. If you wish to have a truly luxurious traveling experience, then you may want to look into some of the higher-tier travel credit cards on the market instead.

 

The final downside may not be a big deal to many people at all. You will be limited to using Southwest Airlines when you have this credit card. You can buy tickets for other airlines but you will not earn your increased reward points rate. It is most practical to fly exclusively through Southwest Airlines when you have this credit card in your wallet but that may make you feel as if you have less flexibility when it comes to travel plans.

southwest rapid rewards priority card

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require an excellent credit score. A score of 720 or higher is recommended when you want to have the best chances of being approved. Checking your credit score ahead of applying for this card is smart. You will be able to see if you have a chance of getting approved before applying so that you can avoid feeling disappointed.

 

Who Does the Southwest Priority Card Appeal to Most?

This is a credit card that is designed for people who travel quite a bit. This is going to really pay off for those who travel all the time. If you are regularly flying around the world for either business or travel, then a card such as this can help you to save money. You will be earning rewards on all of your purchases and it will make your life that much easier.

 

It also needs to be said that this card is specifically for people who fly through Southwest Airlines. If you like to fly through another airline or if you normally just use whatever airline is available, then this may not be the card for you. You will need to stick with Southwest in order for this card to really be worth it. It makes sense to stick to one airline from a rewards perspective and it can pay off for you.

 

An Alternative Card to Consider

Those who are looking for an alternative to this credit card may wish to check out the Southwest Rapid Rewards Plus Credit Card. This is a similar credit card that has fewer benefits than the Rapid Rewards Priority Credit Card. It has a significantly less expensive annual fee, though. If you would like to avoid the high fee while still being able to enjoy many of the same rewards, then this credit card might work out better for you.

 

Another option to think about is the Chase Sapphire Preferred Card. This is a great rewards card that is not going to be as limiting as the Southwest Airlines credit cards. You will have many amazing rewards redemption options when using this card, including through Southwest. Chase Ultimate Rewards transfer to many airlines and hotels. Also, it will allow you to earn 2X points on both travel and dining, making it a very practical option for regular travelers.

Chase Sapphire Preferred Credit Card

See our full review of the Chase Sapphire Preferred.

 

The Southwest Rapid Rewards Priority Card is certainly a good card to consider but some people may find more value in these other options. It just depends on what your needs are. If you like having more options available to you, then the Chase Sapphire Preferred Card is such a sensible option. The Rapid Rewards Plus Card may be more practical for those who wish to avoid the high annual fee of the Priority card. Either way, you will be getting a good credit card that will offer you great rewards potential.

 

Decision Time: Is the Southwest Priority Card Right for You?

The Southwest Rapid Rewards Priority Credit Card is a great option for anyone who wants to fly through Southwest Airlines regularly. You are going to be able to earn copious amounts of rewards points while improving your overall travel experience. This is a card that has a lot of potential for anyone who travels enough to justify signing up. It has good benefits that help to make the card feel as if it is a much better deal too.

 

It is true that the annual fee of this credit card is a bit high. When you take all of the benefits into account, it will really start to offset that fee quite a bit. People who travel a lot will love this credit card so long as they are flying through Southwest Airlines. Anyone who is loyal to Southwest will definitely want to consider this as one of the top options for a travel rewards credit card.

 

Southwest Rapid Rewards Priority

Introductory Offer:

You'll earn 40,000 points after spending $1000 in the first 3 months.

Rewards:

You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.

Benefits:

$75 Southwest travel credit each year.
4 Upgraded boardings per year.
20% back on in-flight drinks and wi-fi.
Earn 7500 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
No foreign transaction fees.

Annual Fee:

$149

Our Thoughts:

Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN MORE >>

Learn More About How to Apply

Southwest Rapid Rewards Premier Business Credit Card Review

southwest premier business review

Those who have to travel on business regularly need to be able to have the best possible travel experience. For this reason, many people seek out travel rewards credit cards and airline miles credit cards. These cards can offer convenient perks while also allowing travelers to earn rewards for spending money on travel. If your business spends a significant amount of money on travel each year, then it just makes sense to have access to an airline credit card that will reward you.

 

Businesses that fly through Southwest Airlines will really like the Southwest Airlines Rapid Rewards Premier Business Credit Card. This card can offer you significant rewards and several interesting perks. If you want to be able to earn miles to use at Southwest Airlines, then this may be the best possible option for your business. Even so, there are many travel rewards credit cards out there that can be quite lucrative so you will want to take your time to consider your options.

 

Join us as we take a look at this credit card from every angle. We are going to examine the features, benefits, rewards program, and much more. This will give you a good idea of whether or not this credit card will be the right fit for your business. Read on and look into all of the important details with us.

 

Southwest Rapid Rewards Business Premier

Introductory Offer:

You'll earn 60,000 points after spending $3000 in the first 3 months.

Rewards:

You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.

Benefits:

Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
No foreign transaction fees.
Employee cards at no additional cost.

Annual Fee:

$99

Our Thoughts:

Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN MORE >>

 

Southwest Rapid Rewards Premier Business Credit Card Fees

Knowing how much a credit card is going to cost you is an important part of determining if it will be compatible with your business. This card is going to have an annual fee of $99 that you will have to contend with. It is not quite as high as the luxury travel credit card options for businesses so it should not bother most people. This fee falls in a reasonable range for businesses that want to have access to a reliable airline credit card that can earn rewards at a decent rate.

 

Another positive aspect that you should take note of is that this credit card does not have any foreign transaction fees. This is perfect for businesses that have to travel abroad regularly. If your business trips see you traveling outside of the country sometimes, then you will never have to worry about paying any special fees due to foreign transactions. It makes it more practical to use your credit card when it is needed.

 

The APR of this card is generally okay. This is not going to be an overly high APR card but it is not exceptionally low either. Your business will likely be comfortable with the APR on this card and it should not cause any issues. If you need to carry a balance on this credit card, then it will not be a terrible burden or anything.

 

Businesses will also not have to worry about change fees when they use this credit card. Sometimes changes need to be made to a flight due to business problems or meetings getting switched around. It is good to be able to avoid change fees entirely. It can wind up saving you money in the long run and it should prove to be a handy feature for your business.

 

Features of the Southwest RR Premier Business Card

One good feature that will help to make this card more tantalizing for potential cardholders is the sign-up bonus. Many credit cards offer sign-up bonuses so this is not too unusual. What makes this offer worth noting is that it is actually pretty easy to get. For spending a fair bit of money within the first three months of being a cardholder, you will earn a large chunk of reward points. Points can be used to book flights and will immediately help you to offset that annual fee.

 

To add to this, Southwest is also going to give you a little annual bonus every time your card anniversary comes around. Cardholders are given 6000 bonus points every anniversary and the total value of these points will come close to paying for that annual fee. It makes it worthwhile to be a cardholder and will be a very practical feature that you enjoy throughout the years. This is a pretty interesting perk that Southwest does with their major travel credit cards and it should be great for your business.

 

Another great feature is that you can get employee cards without having to pay an extra fee. If you need to give credit cards to trusted employees who you are sending out on business, then it will be easier than ever with this card. Southwest will send out cards and attach them to the business account without charging you any money. Many other business credit cards will have a hefty fee attached to employee cards so this is a big benefit.

southwest rapid rewards premier business card

 

Benefits of the Southwest RR Premier Business Card

There are some pretty big benefits to this credit card that will appeal to your business. The most sought-after benefit is definitely the companion pass. In case you haven’t heard, Southwest Airlines has a companion pass program that allows one person to fly for free every time that you redeem your points for a flight or purchase one. This is not an automatic benefit that you will have access to, though.

 

In order to earn the privilege of this amazing perk, you need to earn 110,000 points in a calendar year. Once you meet the qualifications, you will be able to take advantage of the companion pass during the next year. Most businesses will very easily reach 110,000 points per year so long as they travel frequently. This means that you can fly two employees out on business for the price of one when you’re redeeming your points.

 

You also will not have to put up with any blackout dates. Being able to redeem your points for flights on any day is going to be handy for your business. You will be able to fly even when it is a very busy time of the year for travel. It keeps you in control of how and when you want to use your rewards points.

 

There is also the great benefit of having no seat restrictions. Some rewards flights will keep you from getting the seats that you truly want but that will not be the case here. You will also be able to enjoy the Southwest perk of having your “bags fly free”. This keeps your business costs even lower by allowing you to avoid costly baggage fees.

 

Rewards Program Info

The rewards program for this credit card is pretty good overall. You will be able to earn 2X points on every $1 spent on Southwest Airlines purchases. All other purchases will allow you to earn 1X points for every $1 spent. Businesses that travel regularly through Southwest Airlines can certainly rack up the rewards points.

 

One unique feature of this rewards program is that points can be awarded on balance transfers. This is not normally the case for credit cards so you can potentially take advantage of this to increase your rewards potential. You can earn one point for each $1 of your balance transfers for the first $15,000 made in the first 90 days after opening an account. If you need to transfer a balance to this credit card, at least you will be able to earn some rewards from it.

 

Being able to redeem your points should always be simple with this card too. You will be able to redeem your points for flights and you will also have some other options available to you. Truthfully, the best way to redeem your points with this credit card is to use it for travel expenses. You can book flights with your rewards points in order to offset travel costs for your business and maximize the value of your points that way.

 

The Pros

  • Companion pass
  • Good reward points values
  • Great annual bonus
  • Good sign-up bonus

 

The companion pass is definitely one of the premier reasons to consider signing up for this credit card. This is going to help you to keep your travel costs very low. Earning the companion pass privileges will not be too tough if your business travels often enough. You should be able to get access to the pass for your second year as a cardholder without too much trouble.

 

This credit card has good overall reward points values as well. Being able to earn 2X rewards points on Southwest purchases will definitely be good. When you go to redeem the rewards, you will be able to book flights to maximize your reward points potential. The exact value of one reward point will differ depending on the type of flight that you have booked but it will certainly be a great value overall.

 

The annual bonus that you will receive for every credit card anniversary is so helpful. Being able to earn 6000 bonus points to use on anything that you desire is a nice touch. It helps to offset that annual fee of $99 and it makes it easier for you to keep your costs low. You will always be able to count on this annual bonus no matter what and you do not need to do anything special to earn it.

 

Sign-up bonuses can be hit or miss with travel credit cards for businesses. This one is most certainly a hit. You will very easily be able to earn a hefty chunk of points for spending a certain amount in the first three months as a cardholder. This helps you to earn that companion pass status more easily too so the sign-up bonus is definitely something that makes being a cardholder worthwhile.

southwest premier business credit card

 

The Cons

  • Annual fee
  • Rewards limited to Southwest Airlines
  • Mediocre cash-back options
  • So-so rewards redemption options

 

All credit cards are going to have certain aspects that make them less appealing. This one has an annual fee of $99. This is not overly high but it is still something that you need to consider. If you are not comfortable with fees such as this, then it may harm the appeal of this credit card for you somewhat.

 

Using this credit card is going to limit you to flying with Southwest Airlines too. If you like having more choice for which airlines you are going to fly with, then this is not going to be your type of credit card. This card is really for those who are committed to being Southwest Airlines customers. Keep this in mind before proceeding.

 

It should also be said that the cash-back options are not good for this credit card. If you are interested in earning cash back for your business, then you should really look elsewhere. This is a fairly pure travel credit card that is going to lean heavily on travel rewards redemptions. If you want to have more options, then you should look into different cards on the market.

 

You will be able to redeem rewards for flights, rental cars, hotels, and other things. The redemption options are really so-so and you will mostly want to redeem rewards for flights. If you like more redemption options for your reward points, then you may be a bit disappointed here. Redeeming for flights is really good overall but the other options may not give you quite as much value.

 

Credit Score Needed for Approval

Getting approved for this credit card is not going to be easy for all businesses. You will need to have excellent credit in order to qualify for this credit card. Credit scores in the very high 600s and above are highly recommended for those who want to have the best chances of approval. Do your best to check your credit score ahead of time so that you will know what to expect.

 

Who Does The Premier Business Card Appeal to Most?

This credit card is going to appeal to a couple of different types of businesses. Firstly, it is going to appeal to businesses that travel very regularly. If you have to fly yourself or your employees around the world regularly, then this might work out great for you. It will give you a chance to earn an ample amount of rewards and you will have a better travel experience.

 

You will also find that this card appeals to people who are already loyal to Southwest Airlines. If your business has been booking through Southwest Airlines already, then the credit card is going to make more sense for you. You need to fly through this airline exclusively to get the most out of the credit card. If you are not ready to commit to one airline, then you will not have the best experience with this particular card.

southwest premier business card

 

Some Alternative Cards to Consider

Businesses that need a practical alternative to this credit card may wish to consider two different credit cards. The first is the Capital One Spark Cash for Business credit card. This is a very practical credit card to use for just about any business. You will be able to enjoy getting 2% cash back on all of your purchases with this card and you will not have to deal with any categories.

capital one spark cash for business card art

See our full review of the Spark Cash.

Learn more about how to apply.

 

Another good credit card to consider is the Ink Business Preferred Card from Chase. This is going to allow you to earn 3X rewards on your first $150,000 spent on travel purchases. That is a high figure and is going to work out very well for most businesses. You earn 1X points on all other purchases too so it can work out well if you want a business card to use for travel that is not tied to a specific airline. The Chase Ink Preferred also comes with the best signup bonus of all cards, and the points are transferrable to Southwest.

chase ink business preferred credit card art

See our full review of the Ink Business Preferred.

 

The Southwest Business credit card is a good option for you, but these other cards are better for certain types of businesses. You have to think about your needs in order to make the best decision. If you want to redeem your rewards for flights, then the Southwest card is a great deal. Businesses that want other options should look into the cards above.

 

Decision Time: Is the Southwest Premier Business Card Right for You?

The Southwest Airlines Rapid Rewards Premier Business credit card is a very good option for certain businesses. You just need to keep in mind that you will get the most out of this card if you fly through Southwest Airlines. This is a type of loyalty airline credit card that will show its true potential to those who fly often. If you use this credit card in the correct fashion, then it can certainly help you to earn rewards at a good rate.

 

It is simply important to know that your business can take advantage of this credit card properly before you decide to sign up. Some businesses may not travel quite often enough to make this the best credit card to use. Others will want to have more flexibility with how they redeem rewards. This is a very good credit card but it has its flaws just as does any other card.

 

As long as you read through all of the above information and take everything into account, you will be able to make a good decision. This card may work out fantastically for you or it might be not quite what you were hoping for. Either way, there are great credit cards out there that will work for your business. Taking the time to get the right one will pay off by helping you to mitigate those travel expenses.

 

Southwest Rapid Rewards Business Premier

Introductory Offer:

You'll earn 60,000 points after spending $3000 in the first 3 months.

Rewards:

You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.

Benefits:

Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
No foreign transaction fees.
Employee cards at no additional cost.

Annual Fee:

$99

Our Thoughts:

Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN MORE >>

Learn More About How to Apply

ABOC Union Strong Credit Card Review: Earn up to 5X Rewards

The popularity of rewards credit cards makes it easy to find many appealing options. If you are looking for the best rewards card that will fit with your lifestyle, then you might be having difficulties narrowing things down. Some cards offer great rewards in one category, but will not work so well with other types of spending. There are credit cards that offer you good general rewards too, but some of those will not have especially lucrative bonus categories.

 

The ABOC Union Strong Credit Card seeks to give customers the best of both worlds. This is a credit card that offers both standard rewards on every purchase and special rewards for bonus categories. It can make this card a particularly useful thing to have in your wallet. The rewards potential of this card is pretty high and it is going to appeal to a pretty wide variety of different people.

 

Before moving forward and applying for this credit card, it makes sense to get a bit more information. Join us as we take a look at everything that this credit card can offer you. You will be able to understand the potential of this credit card in a much deeper way. It will make it easier for you to decide whether or not it is worth it to sign up for this one.

 

ABOC Union Strong

Introductory Offer:

$150 statement credit after spending $1200 in the first 90 days.
12 month Intro APR offer.

Rewards:

You'll earn 5X on rotating popular categories. (up to $1500 in spend quarterly)

Benefits:

Extended warranties.
60 day price protection.

Annual Fee:

No annual fee.

Our Thoughts:

A rewards card available to those who have fair credit is rare. Earning 5X per dollar on some categories is unheard of.
LEARN MORE >>

 

ABOC Union Strong Credit Card Fees

You will be happy to hear that this rewards card does not have any associated annual fee for you to deal with. This is always good when you can gain access to a potentially lucrative rewards card without the need to pay a large fee. No annual fee means that you do not need to try to earn enough rewards points to offset the cost. It helps you to use this card without having to stress out about anything.

 

There are some fees that you will have to be aware of when using this credit card, though. For instance, this card does have a balance transfer fee of 3% with a minimum of $5.00. The cash advance fee is also set at 3% with the same minimum amount. Overall, this is not too bad as it falls in line with what other similar credit cards are doing.

 

One potential negative is that the ABOC Union Strong will charge you a foreign transaction fee. If you use the card to purchase something while you are abroad, then you can expect a 3% fee. This is a normal percentage, but it is still going to be pesky for anyone who travels out of the country regularly. It may wind up being a bit of an annoyance to some, but this will not impact others at all. It just depends on how often you travel outside of the country.

 

You will be able to enjoy a nice introductory APR when you sign up for the ABOC Union Strong card. This helps you to make payments quite easily, as you will not have to be concerned about interest for quite awhile. The introductory APR period lasts for 12 months and it covers both purchases and balance transfers. It is certainly something that will draw some people to this credit card.

 

After the introductory APR period is finished, you will be able to enjoy a very low APR overall. This credit card has a low APR that is going to make it stand out from many other similar credit cards. Most rewards cards have an APR that is several points higher than this one, so it is going to be a very practical option to consider. When you want to keep your debt paid down, it will always be easier to do so with a low APR credit card.

 

Features of the ABOC Union Strong Card

For the most part, this credit card has very standard features. This does not mean that it is lacking in any way, but it does not stand out too much in the features department. It will be a rewards credit card that offers you good earning potential. Using the card should always be easy and this is bolstered by the convenient mobile banking options.

 

Managing your account from the mobile banking app is going to be very simple. You just need to download the ABOC Mobile Credit App to get things started. Once you have everything set up properly, you will be able to enjoy a very good experience. You can check your balance, manage payments, and generally access any necessary information from the mobile app.

 

The customer service features are also very good with this credit card. You will be able to reach out at any time by using the mobile app. If you want to reach customer service via telephone, then that will also be an option. The customer service agents are very good and you should have no trouble getting the right assistance whenever you are in need.

 

One final handy feature that you should know about is that late payments will not cause your APR to raise. This is going to prove beneficial if you happen to run into tough times and have to make a payment a little late. Doing so with many other rewards credit cards will cause your APR to skyrocket. This is a very forgiving card, making it just a bit more appealing to anyone who wants an extra layer of safety.

 

Benefits of the ABOC Union Strong Card

You will find several standard benefits that will make your credit card experience even better. When you make purchases with this credit card it can actually extend the warranty of certain items. You can get one extra year of warranty on many products, making it beneficial to buy things with your new rewards card. Keeping things in warranty longer helps you to avoid complications, so this will certainly prove to be useful.

 

Price protection is another great benefit that you should use fairly often. If you buy something and wind up seeing that the price has dropped within 60 days, then you will be able to get a refund for the difference between the two prices. This is great and can wind up saving you a lot of money. It makes you want to purchase things with your credit card for more reasons than simply earning rewards.

 

Aside from price protection, you will also have protection from damage or theft. When you buy things using this credit card, you will have purchase protection insurance that keeps you safe when items become damaged or when they are stolen. This will cover most items and it is very practical to make use of this benefit when you need it the most. It can help you to avoid having to pay to replace something that you just bought after having it stolen.

 

You will also have access to road assistance in the event that your vehicle breaks down on the road. The Master RoadAssist Roadside Services will be able to help you when you break down anywhere in the US. This keeps you a lot safer and allows you to feel more at ease during travel situations. This is a perk that can potentially pay off for you if you go on road trips somewhat often.

aboc union strong credit card

 

Rewards Program Info

Perhaps the most interesting part of owning this credit card is going to be the rewards program. This is a credit card that offers you the potential to earn 5X points on certain quarterly categories. Every quarter these categories are going to change and you will be able to earn the bonus on new items. You can earn the 5X bonus points rate on up to $1,500 in combined purchases each quarter.

 

One of the best things about this credit card is that the bonus categories are very practical. You will be able to make use of the bonus categories easier than you would be able to with many other credit cards. One quarter may have a bonus category such as groceries, and another might be automotive purchases. These are all common things that you will be spending your money on anyway, for the most part.

 

Purchases made outside of the bonus categories will allow you to earn one point for every $1.00 that you spend. This allows you to keep on earning rewards even when you have earned the maximum amount from the bonus categories, too. You will always be able to keep racking up those rewards points and it should add up pretty fast. There is no limit to the number of points that you can earn and they do not expire, so you can keep saving them if you wish.

 

Redeeming your rewards is a very straightforward process with this credit card, too. You will be able to choose how you want to redeem your rewards. The options for redemption are statement credit, travel rewards, gift cards, and redeeming points for merchandise. Whatever you choose to do will prove to be very lucrative and helpful to you.

 

The Pros

  • Good rewards program
  • Has a sign-up bonus
  • Good standard benefits
  • No annual fee

 

The rewards program is definitely what will draw most people toward this credit card. The potential to earn quite a bit of rewards points is going to make signing up very useful. You can earn increased rewards on the bonus categories and then you can keep earning rewards at the 1X rate after that. It is an easy card to use to rack up rewards points.

 

The ABOC Union Strong credit card also has a pretty good sign-up bonus. Being able to earn some money for spending a certain amount within the first three months is always nice. Reaching this spending threshold is not tough either so you will most likely get the sign-up bonus to activate for you. It can make signing up seem even more worthwhile.

 

Good standard benefits help you to have an optimal experience when using your new credit card. Being able to enjoy purchase protection, purchase assurance, and extended warranties will definitely help you out. You can also count on the security and customer service of this credit card to be top notch. It is a fully-featured card that has the benefits that you would expect.

 

Not having to put up with an annual fee is always going to be a positive, too. If you want a rewards card that has a lot of potential, then you will love this one. The fact that it does not have a fee just makes it easier to go ahead and sign up. You will not have to pay out any of your hard-earned money just to have the privilege of being a cardholder.

 

The Cons

  • Foreign transaction fees
  • Some rewards cards offer great rewards potential
  • You may not like the rotating quarterly rewards bonus categories

 

The biggest negative about the card is the foreign transaction fees. For many people, this is going to be a bit of an annoyance. If you travel to other countries for either leisure or business, then this is going to hurt your bottom line. There are credit cards out there that do not have foreign transaction fees, so you may want to look into one of those.

 

It should also be said that there are credit cards that have greater rewards potential than this one. This is a good credit card when you want to earn rewards, but some options may be superior. There is a limit to how much you can earn at the 5X rate when using this credit card. If you do not like having limits placed on you, then you may want to look into another card.

 

Also, the fact that the rewards bonus categories rotate may not appeal to you. If you love being able to earn bonus rewards on automotive purchases, then having that category disappear after three months might not be good for you. The rewards bonus categories are practical, but some people will wish that they could just stay the same throughout the year. It depends on your preferences really.

aboc union strong card

 

Credit Score Needed for Approval

The ABOC Union Strong credit card is going to require a fair to good credit score. If you want to be approved for this card, then you will likely need a score that falls in the high 600's. Other factors, such as income, are going to be considered when you apply for this card as well. Check your credit score ahead of time so that you will know where you stand and you can get a good idea of the likelihood of your approval.

 

Who Does the ABOC Union Strong Card Appeal to Most?

This credit card is going to appeal to anyone who wants to earn a good amount of rewards. If you love earning rewards, then you should be pretty interested in this credit card. It has the potential to help you earn many rewards points and taking advantage of the bonus categories is relatively simple. This is a good card for general purchases and will come in handy in many situations.

 

A card such as this is also going to appeal to people who simply need a good everyday credit card. It has a low APR and it will be practical if you need to carry a balance. Having access to this credit card will make your life easier if you need a good card. It has good benefits and it can be used intelligently to help you earn rewards.

 

An Alternative Card to Consider

One of the smartest alternatives for you to consider will be the Chase Freedom card. Much like the ABOC Union Strong Credit Card, the Chase Freedom Card offers great rewards potential. The potential to earn rewards is actually likely much higher than the ABOC Union Strong Credit Card, too. The Chase Freedom Card can be perfect for those who have access to other Chase cards and you will have many lucrative redemption options when using the Chase Ultimate Rewards portal.

Chase Freedom Credit Card Review

See our full review of the Chase Freedom card.

 

Both cards are very good, but the Chase Freedom Card may have certain benefits that will appeal to you more as well. It will be worth looking into the details of the Chase Freedom Card so that you can determine which is better for your needs. Either way, you will be getting a good rewards card that will make earning points quite easy. Earning points will allow you to make the most out of your credit card and you will always be able to earn a constant stream of rewards.

 

Decision Time: Is the ABOC Union Strong Card Right for You?

The ABOC Union Strong Credit Card is going to be a good choice if you need a solid rewards credit card. It has a really good rewards program that allows you to continually earn points for your spending. The bonus categories are good and they rotate out quarterly. There is a cap on how much you can earn at the 5X rate, but it will certainly be very helpful.

 

The Union Strong card is going to be perfect for many different people. It is among the best rewards credit card options for cards of this tier. It may not be quite as lucrative as some of the more prestigious credit cards, but it is still a very good choice. Keep it in mind if you have been looking for a great new card that is easy to use to its full potential.

 

ABOC Union Strong

Introductory Offer:

$150 statement credit after spending $1200 in the first 90 days.
12 month Intro APR offer.

Rewards:

You'll earn 5X on rotating popular categories. (up to $1500 in spend quarterly)

Benefits:

Extended warranties.
60 day price protection.

Annual Fee:

No annual fee.

Our Thoughts:

A rewards card available to those who have fair credit is rare. Earning 5X per dollar on some categories is unheard of.
LEARN MORE >>

ABOC Platinum Rewards Credit Card Review: Rewards for Fair Credit

aboc platinum rewards review

Finding your next rewards credit card is something that you should take seriously. When you take the time to look into your options, you will see that there are many lucrative options out there. Some rewards cards tend to focus more on bonus categories, and others will be a little more straightforward. Choosing a new rewards credit card is not something that you should take lightly if you want to get the option that will work best for you.

 

That is why reading up on all of the details ahead of time is so crucial. If you can see everything that a credit card has to offer, then it becomes a lot easier to make a good decision. You will be able to see if it will work well for you to help you earn a decent amount of rewards. Today we are going to take an in-depth look at the ABOC Platinum Rewards Credit Card and everything that it has to offer.

 

Is this credit card going to be a worthwhile addition to your wallet? Continue reading to find out, and we will help you to make a good decision. If you have been looking for a solid new rewards card, then this just might work out very well for you. It does offer a lot of rewards potential while managing to keep your costs and your fees as low as possible.

 

ABOC Platinum Rewards

Introductory Offer:

$150 statement credit after spending $1200 in the first 90 days.
12 month APR offer.

Rewards:

You'll earn 5X on rotating popular categories. (up to $1500 in spend quarterly)

Benefits:

No extra benefits.

Annual Fee:

No annual fee.

Our Thoughts:

A rewards card available to those who have fair credit is rare. Earning 5X per dollar is unheard of.
LEARN MORE >>

 

ABOC Platinum Rewards Credit Card Fees

Right away you will see that this credit card does not have an associated annual fee. If you want to be able to justify signing up for a credit card, then not having to put up with an annual fee makes the decision a lot easier. You will not need to use the card enough to earn rewards just to cover the annual fee.

 

A potential negative is that this card does have foreign transaction fees that you will need to worry about. This foreign transaction fee is not overly high, and it sits at 3%, which puts it right in the average range for these types of credit cards. If you travel outside of the country somewhat regularly, then this is going to be a bit of an annoyance for you. Even 3% is going to be able to add up over time, and it could cost you some of your hard-earned money.

 

People who do not travel outside of the country very often will not really have to worry about this so much. It really just comes down to whether or not these fees are going to impact you very often. The only other fee that you will need to keep in mind is the balance transfer fee of 3%. It has a minimum fee of $5.00 attached to it as well, but this should not be any higher than most traditional rewards credit cards.

 

You will be able to take advantage of a nice introductory APR period. For a period of 12 months, you will be able to enjoy a special introductory APR, which will allow you to avoid interest on both purchases and balance transfers. This is very useful, and it may make it practical to transfer a balance to this card for some people. The standard interest rate is pretty average, too, and should not cause you any problems.

 

Features of the ABOC Platinum Rewards

This credit card does have some good features and benefits for those who decide to sign up. We will dig into the overall benefits later on, but first, we will look into the useful features. You will see that this credit card has a pretty useful little sign-up bonus. Many credit cards of this type do not have any sign-up bonuses, but this one offers a pretty good one.

 

If you spend a certain amount of money within the first three months of opening the account, then you will be able to earn statement credit. This will definitely come in handy and should help you to make the most of your purchases. Being able to earn a bonus after signing up is an appealing feature that makes the card more appealing. Earning this bonus is not too tough, either, as it does not require that you spend too much money on the card. It is a good obtainable reward that you will enjoy.

 

Aside from this, the credit card offers a very robust rewards program. This is one of the better rewards programs that you will see for a credit card that is so easily obtainable. You will be able to get this card, even if your credit score is not as immaculate as you would like. Having access to such a solid rewards program is definitely going to be a huge benefit to you.

 

Benefits of the ABOC Platinum Rewards

One of the most important benefits that you should know about with this card is the fraud liability. Credit card theft is a major fear for many people. No one wants to be left on the hook for purchases made by someone else using your credit card. Thankfully, this card has zero fraud liability, and you will not need to worry if you are put in this situation.

 

Thre ABOC Platinum Rewards card has some nice standard benefits that you can take advantage of, too. You will be able to receive travel accident insurance that can protect you while you're traveling. Being able to have insurance like this will prove useful in the event that a travel accident occurs. It is a fairly standard benefit, but it is still welcome, nonetheless.

 

You can use your credit card to help out with your car rental insurance, too. This card is capable of acting as secondary car insurance for your rental vehicle. It is a convenient option that can make traveling with a rental car a bit simpler. This is an easy little perk to take advantage of, too, and all you have to do is use your card to pay for the rental car.

 

There are not as many benefits of being a cardholder as there are for some other rewards cards. Even though there are cards that feature more benefits, the ones that are here are quite good. For a card that is this easy to obtain, it can definitely be considered to be very good. If you want more intriguing special benefits, then you may wish to look into cards that require higher credit scores.

aboc platinum rewards card

 

Rewards Program Info

The rewards program is the thing that will really make you want to consider signing up for this card. If you use it to its full potential, then it can be quite lucrative. You will be able to rack up rewards when you take advantage of the bonus categories that this card offers. This is a card that features rotating bonus categories that will change out at specific times.

 

The ABOC Platinum Rewards credit card allows you to earn 5 rewards points for every $1.00 that you spend in specific categories. There is a maximum of $1,500 in combined spending on these changing categories, though. Even so, this can allow you to earn some pretty nice rewards when you use the credit card to buy things in the bonus categories. The bonus categories are all sensible, too, so you will likely be able to reach that cap if you use your credit card somewhat often.

 

These categories change every single quarter. If you do not like the bonus categories during one three month period, then you will never be too far off from that category changing. Also, you will still be able to earn rewards on all of your purchases outside of the bonus categories. You can earn 1 reward point for every $1.00 spent on purchases outside of the active bonus categories.

 

You will not have to deal with a rewards point cap either. This means that you can continue to rack up rewards to your heart's content. Redeeming your rewards points will always be an easy process. You can go online to redeem your rewards points for gift cards, merchandise, travel, and even statement credit. You get to decide how to redeem your rewards, which puts the power in your hands.

 

The Pros

  • Great rewards potential
  • Bonus categories are practical
  • Has a sign-up bonus
  • Nice introductory APR
  • No annual fee

 

For a credit card of this level, the rewards potential is actually really good. Being able to earn the 5X rewards points on the bonus categories is quite nice, and it will help you to build up your rewards points very fast. Even purchases outside of the bonus categories help you to build points at a 1X rate.

 

The bonus categories of this credit card are practical, too. One quarter will allow you to earn bonuses on purchasing groceries and eating at restaurants. The next will let you get bonuses on home improvement purchases and home supply needs. Being able to earn 5X points for things that you will likely be buying anyway is great.

 

Having a sign-up bonus is a very good feature, too. Many cards that are easier to obtain do not have any type of sign-up bonus to entice potential cardholders. Being able to earn a nice little sign-up bonus simply sweetens the deal and makes it that much better to give this credit card a spot in your wallet. The sign-up bonus is not overly large, but it is still a nice benefit to you.

 

A nice introductory APR makes it even easier to see the appeal of this credit card. You will be able to avoid interest for quite a spell, and it makes the first 12 months of using this credit card simpler. A good introductory APR opens up certain possibilities. It helps you to keep your debt low while racking up those bonuses.

 

Having no annual fee to worry about is fantastic, too. Annual fees will sometimes scare people away. If you are trying to keep your costs low while still giving yourself access to a good credit card, then this fits the bill. You will love how easy this credit card is to use and should be able to use it to its full potential without having any problems.

 

The Cons

  • Foreign transaction fees
  • Some people won't like rotating categories
  • Benefits are good, but not great

 

The foreign transaction fees are definitely one of the problems with this credit card. If you spend any time outside of the country, then you will likely want to avoid using your credit card. The fees are not absurdly high in comparison to many other cards, but foreign transaction fees of any kind can hinder your travel experience. If you like traveling abroad, then you may want to consider this before signing up.

 

Some people are not going to like the rotating bonus categories that this card offers, either. Overall, the categories are quite practical, but some will not like that certain categories are only available for three months at a time. For example, many might wish that they could just continually earn the 5X bonus points for grocery purchases, as that is an easy category to take advantage of.

 

It should also be said that the benefits of this credit card are good but not great. Many of the other rewards credit cards on the market will offer superior benefits. If you are looking for a credit card that offers you amazing perks, then this one is likely not for you. It offers good standard benefits but these benefits do not do much to make the card stand out.

aboc platinum rewards credit card

 

Credit Score Needed for Approval

One of the best things about the ABOC Platinum Rewards card is that it does not take a very high score to qualify for it. You will be able to get this credit card with a score of 630 or higher, in all likelihood. People with fair credit do not often have access to credit cards with lucrative rewards potential like this. It makes it an easy decision to sign up if your credit is only fair and cannot quite be considered to be in that good range.

 

Who Does the ABOC Platinum Rewards Card Appeal to Most?

The ABOC Platinum Rewards card appeals to anyone who only has a fair credit score. If your score is not quite in the good range, then your access to rewards credit cards is going to be limited. You will likely not qualify for many of the most popular rewards cards on the market. Being able to get a very good rewards credit card like this is going to be helpful to you.

 

Aside from being great for those with fair credit scores, this is just an overall good rewards card. It may not be at the very top of the heap as far as rewards cards are concerned, but it is a good option. You can earn a lot of rewards points through regular shopping. It is easy to make use of the card, and redeeming rewards will always feel like a streamlined process.

 

A card like this is going to appeal to people who like to earn rewards for average purchases, too. The bonus categories for this credit card are not unusual things. Many of the quarterly categories allow you to earn the 5X rewards points on purchases such as groceries. It makes it very practical to earn rewards and is better than many other cards with rotating categories in that regard.

 

An Alternative Card to Consider

The best alternative to consider is going to be the Chase Freedom credit card. If you have a high enough credit score, then you will be able to earn 5X points with this card on rotating categories. It functions similarly to the ABOC Platinum Rewards card, but it has better perks and rewards potential. It is not going to be as easy to get this card, though, so you will want to have very good or excellent credit before applying.

Chase Freedom Credit Card Review

See our full review of the Chase Freedom.

 

If you are looking for an option to consider that will work for those with fair credit scores, then the Discover It Secured credit card should work out fine. You will be able to earn cash back rewards on this card, and it is simple to obtain for people who are rebuilding their credit scores. Keep it in mind if you want an alternative to the ABOC Platinum Rewards Credit Card.

 

Decision Time: Is the ABOC Platinum Rewards Credit Card Right for You?

Signing up for the ABOC Platinum Rewards Credit Card is a great idea for many people. If you want a credit card that will give you great rewards without forcing you to pay an annual fee, then this is going to be perfect. It is possible to get this credit card while only having a fair credit score, too. It makes it a good option for people who don't usually have good rewards cards to choose from.

 

The ABOC Platinum Rewards card can be useful for those with higher scores, as well. The rewards potential of this card is truly pretty good, and it is easy to use. It is one of the best rewards cards that are easy to qualify for and should be considered by many people. If you need a solid rewards credit card to keep in your wallet, then you will be pleased with this one.

 

It may not be quite as appealing for people who have access to some of the top-tier rewards cards. Even so, it proves its usefulness as a good card that offers reliable earning potential. You can earn rewards on this card constantly if you use the card regularly enough. It can earn a steady stream of rewards that you want if you choose to sign up for it.

 

ABOC Platinum Rewards

Introductory Offer:

$150 statement credit after spending $1200 in the first 90 days.
12 month APR offer.

Rewards:

You'll earn 5X on rotating popular categories. (up to $1500 in spend quarterly)

Benefits:

No extra benefits.

Annual Fee:

No annual fee.

Our Thoughts:

A rewards card available to those who have fair credit is rare. Earning 5X per dollar is unheard of.
LEARN MORE >>

USAA Rate Advantage Platinum Review: Low Rates for Military Families

usaa rate advantage platinum review

Being able to find a credit card with a reasonable APR is something that can really benefit you. If you have a card that keeps the interest fairly low, then it makes it that much easier to pay down your debt. Getting access to a low APR can definitely make a difference for your finances, so it makes sense to seek one out if you are in need. The USAA Rate Advantage Platinum Visa Card is one that has a very low APR for a credit card in this class.

 

That being said, this is a USAA card that is only available to those who are members of the military, former members of the military who were honorably discharged, and adult children of USAA members. You have to meet the qualifications for this credit card in order to be able to take advantage of its benefits. If you do meet the criteria, then this might be a very good option to consider. The low APR can certainly be an advantageous thing, but is it really worth your time?

 

Join us as we take a deep look into this credit card to see what it has to offer you. You will learn the little details about the card that will help you to figure out if this is a worthwhile card to put in your wallet or if it is better off left alone. Being able to come to your own conclusions is important, so take the time to read everything that you can about this card.

 

USAA Rate Advantage Platinum

Introductory Offer:

No intro offer

Rewards:

No rewards are earned

Benefits:

USAA's lowest rate card.
Special deployment APR.
No foreign transaction fees.
No penalty APR.

Annual Fee:

No annual fee.

Our Thoughts:

If you have to keep a balance this card has good rates. It also has benefits for military personnel who get deployed.
LEARN MORE >>

 

USAA Rate Advantage Platinum Credit Card Fees

One of the first things that most people want to know about when looking into a credit card is the fees. You will not need to worry about paying any type of an annual fee when you sign up for this credit card. This allows you to feel a little better about applying for the card, as you know that it won't come with a big price attached to it. This credit card manages to keep fees pretty low elsewhere, as well.

 

The balance transfer fee on this credit card is set at 3% with a maximum of $200.00. The cash advance fee is also set at 3% with a $200.00 maximum, and this is pretty typical. These fees are pretty standard, and they definitely won't get in the way. You may want to transfer a balance to this card, too, to take advantage of its low APR.

 

You will not have to worry about foreign transaction fees when using this credit card, either. Many military families and military members, in general, have to travel outside of the country often. Some are even stationed on bases that are placed in different countries. Not having to worry about pesky foreign transaction fees is certainly a good thing, and it will save you money if you travel abroad often.

 

Many cards like this offer some type of introductory APR rate, but this one actually does not. It may be a bit disappointing that you will not receive an extra special APR rate at the beginning of signing up. Even though this may be a bit of a downer, the normal APR rate is pretty excellent. This is the lowest APR credit card that is offered by USAA, and it is something that you can certainly take advantage of.

 

The only other fees that you will have to worry about are late payment or returned payment fees. These fees are both set at $35.00. This is not too high of a fee and should be seen as very reasonable overall. You will not have to deal with a penalty APR either, so late payment won't be as devastating as it could be with many other credit cards.

 

Features of the USAA Rate Advantage Platinum

Honestly, the biggest feature of this credit card is the fact that it has a low APR. That is the main draw to this card, and it will be the determining factor of whether or not you want to sign up. There are some other features and benefits that will help to accentuate the usefulness of this card, but the APR is the main feature. Knowing this, you will want to consider this card if you need a low APR credit card option.

 

You should expect a very good overall customer service experience when you sign up for this card. It has a robust customer service setup that makes dealing with any problems very simple. You will be able to contact customer service over the phone as normal whenever you are having problems. You can also reach out to customer service through the use of an online chat, and customer service will be available 24/7.

 

The security benefits of the card are very good overall, too. As you might expect, this card is going to come with the built-in chip technology. Chip credit cards have become more and more prevalent over time. The card that you will receive from USAA is completely chip-enabled, which allows you to stay more secure when you use your credit card.

 

Also, this credit card does have a nice zero liability feature when it comes to identity fraud. If your card is stolen and used without your permission, then you will not be held accountable for those purchases. It will be easy for you to feel more protected knowing this. Lost credit cards will not be quite as worrying when you know that things will be okay if the card does manage to get used by someone unscrupulous.

usaa rate advantage platinum credit card

 

Benefits of the USAA Rate Advantage Platinum

You can expect several benefits when signing up for this credit card. One of the more useful benefits that people will use consistently is the car rental insurance. Your credit card is going to be capable of providing you with secondary car rental coverage that can come in handy. It makes your travel experience around the world that much simpler.

 

It also comes with automatic travel accident insurance. So long as you use your credit card to book your travel, you will be able to take advantage of this convenient insurance. You will receive insurance on your baggage, as well, which will help you in the event of a baggage delay or lost luggage. This is a good card to have for people who travel and need some extra protection.

 

Another neat benefit that you will like is the warranty extension perk. Many items that you buy using this credit card will have the warranty extended by one year. This is an easy perk to take advantage of, and it will certainly benefit you to have items under warranty for a longer period of time. It makes it advantageous to buy items using the credit card.

 

The huge benefit that you will want to know about is the special APR that is given out when military members are on active duty. You can expect an even lower APR when you are sent out on active duty. The APR of this card is already low, but being able to have it creep even lower can be quite helpful. Remember that this handy feature is there to help you when you are being deployed.

 

Rewards Program Info

One of the biggest letdowns when it comes to this credit card is that it does not offer any type of rewards. This is simply a credit card with a low APR that you can take advantage of. If you like being able to earn rewards for your purchases, then you will probably walk away from this card feeling a bit disappointed. You cannot earn any type of rewards points or bonus miles by using this card regularly.

 

Even without the rewards program, this card does have a good amount of appeal. If you want a credit card that keeps the interest low while being easy to use, then this is it. If you require more lucrative rewards from your credit card experience, then you should turn elsewhere. It just comes down to understanding that this is not that type of credit card.

usaa rate advantage platinum visa

 

The Pros

  • Low standard APR
  • Special active duty APR
  • Helpful benefits
  • Low fees

 

The low standard APR of this credit card is going to be the main reason that people will sign up. Having a credit card that allows you to keep the interest low is going to be very handy. You want to be able to pay down your debt as fast as possible, and this credit card makes it simpler. It is most definitely the primary benefit of signing up for this card.

 

Being able to take advantage of the active duty special APR is going to be great, too. If you are going into active duty, then you can expect an even lower APR than normal. It can make it very simple to pay things down quickly and will really help out military families. It is a good benefit that you will definitely love if you can make use of it.

 

The helpful benefits of this card are going to really appeal to a lot of people, too. Being able to enjoy special travel insurance and car rental coverage is a useful benefit. Combine this with warranty extension and various other small perks to get a very positive experience overall. This card proves itself to be pretty useful in the benefits department.

 

Lastly, low fees are certainly a great thing. You will not have to pay out an annual fee when you make use of this credit card. Foreign transaction fees are also something that you will not have to worry about. Other fees, such as balance transfer and cash advance fees, are kept fairly low. This is a cost-effective credit card to make use of, and it will prove to be practical for most military members.

 

The Cons

  • No introductory APR
  • No signup bonus
  • It does not earn rewards

 

There are some people who will feel that this credit card does not quite offer enough. If you are used to signing up for credit cards with an introductory APR period, then you should know that you will not be getting that here. This has no special introductory APR of any kind. The standard APR is quite low for cards of this type, though.

 

You will also need to note that there is no sign-up bonus to speak of. Some credit cards offer small rewards for people who sign up for the card. You will not be receiving any gift cards or any type of opportunity to earn cash back rewards. This is more of a no-frills credit card experience that is not focused on things like that.

 

In fact, this credit card has no rewards to speak of whatsoever. You will not be able to use this as a rewards card in any way. You cannot earn points or miles with this credit card, and that may wind up being a disappointment to some. If you wish to earn rewards points for using your credit card, then you will want to look into one of the many rewards card options on the market instead.

 

This credit card is simply about practicality, and that may harm its appeal when it comes to some people. It does not offer as many extras as some people may like. You need to use this card as a low APR card that can help you to keep your credit card debt low. Otherwise, you are likely to be disappointed about the lack of special rewards options or other bells and whistles.

usaa rate advantage platinum card

 

Credit Score Needed for Approval

You will need to have a pretty good credit score to get approved for this card. Most credit scores that are toward the higher 600's will gain approval. Other factors such as your income will be considered as well, of course. In order to ensure that things go well, it might be a good idea to check your credit score ahead of time to make sure that your score is in the right range.

 

Who Does the USAA Rate Advantage Platinum Card Appeal To Most?

This is a credit card that is going to appeal to people who want to have a low interest rate. If you are looking to keep your debt down and avoid paying on things for too long due to interest, then this card will work out well. The biggest thing that this card can offer you is the stellar APR that will be agreeable to anybody. It has some nice benefits, too, but the APR is what draws people toward this card.

 

Of course, the military connection of this card is going to make it so that it appeals to military families. If you are a military officer, an honorably discharged veteran, of the adult child of a USAA member, then you will be able to take advantage of this card very nicely. It will be a good card to help you to pay down debt, which makes it an option that many people should seriously look into. If you want to cut down credit card debt, then a low APR card like this has many practical uses.

 

An Alternative Card to Consider

One excellent credit card to consider as an alternative is the Wells Fargo Platinum Visa Credit Card. This is a credit card that has a pretty low APR overall. Depending on how good your credit score is, this credit card can actually have an APR that is comparable to the USAA Rate Advantage Platinum Visa Card, or it may even be slightly lower. It depends on various factors, but it can certainly match up quite well.

Travel Freedom Card Art Size

See our full review of the Wells Fargo Platinum.

 

Aside from this, you do not need to worry about having a military connection to get the Wells Fargo Platinum Visa Credit Card. This makes it a more practical option that will appeal to a wider group of people. If you do have the military connection, then the USAA card may be better in certain ways. Just keep in mind that this card from Wells Fargo has an introductory APR that will allow you to avoid interest on purchases and balance transfers for an 18-month period. It may be a better choice, even if simply due to the introductory APR being present.

Learn more about how to apply.

 

Decision Time: Do You Need the USAA Rate Advantage Platinum Card?

The USAA Rate Advantage Platinum Visa card is a good option for certain people. Some are not going to find it to be a perfect fit due to its lack of rewards options. If you care about earning rewards and other similar extra features, then this card may not be for you. This card will be the perfect fit if you simply wish to find a card that offers you a low standard APR.

 

If you have the right military connections and are able to sign up for this credit card, then you will likely be able to make good use of this card. The low APR makes it easy to pay off items on this card without paying out more than you have to. If you need to carry a balance on this card, it makes it easier to pay things down over time. Keep this in mind as an option if you need a solid card with one of the lowest possible APRs of any credit card.

 

USAA Rate Advantage Platinum

Introductory Offer:

No intro offer

Rewards:

No rewards are earned

Benefits:

USAA's lowest rate card.
Special deployment APR.
No foreign transaction fees.
No penalty APR.

Annual Fee:

No annual fee.

Our Thoughts:

If you have to keep a balance this card has good rates. It also has benefits for military personnel who get deployed.
LEARN MORE >>

USAA Cashback Rewards Plus Credit Card Review

usaa cashback rewards plus review

Getting a cashback rewards credit card is something that could be a very good decision. You will be able to earn rewards for buying things that you will need to purchase anyway. If you have access to a solid cashback rewards card, then these rewards can actually be quite lucrative. It can be helpful to earn these rewards, and it will help to mitigate some of your expenses if you are able to use this card intelligently.

 

Of course, there are a plethora of different cashback rewards cards on the market. With there being dozens of similar cards to choose from, it can be tough to figure out which cards are worth looking into further and which should be ignored. Thankfully, we are capable of doing the hard work for you so that you can have an easier time making an informed decision. Today we are going to be taking an in-depth look at the USAA Cashback Rewards Plus American Express Card.

 

If you are at all familiar with the USAA cards, then you should know that they have proven to be quite beneficial to military families. This is a cash back rewards card that offers some good features and has better rewards potential than many other similar cards. Is it going to be worth your while to sign up for this one? Continue reading to find out as we examine everything that this credit card has to offer.

 

USAA Cashback Rewards Plus

Introductory Offer:

No intro offer

Rewards:

You'll earn 5% cash rewards on gas and military base purchases (first $3000 spent annually). Earn 2% at supermarkets (first $3000 spent annually).

Benefits:

12 month Deployment APR offer.
No penalty APR.

Annual Fee:

No annual fee.

Our Thoughts:

This is a decent cash back option for military personnel. It has no annual fee and offers a lower deployment APR. It also earns extra rewards on certain spending.
LEARN MORE >>

 

USAA Cash Back Rewards Plus Credit Card Fees

One of the most important things that make this card stand out is that it has no associated annual fee. You will not need to pay the credit card company just to keep this card in your wallet. It makes it easier to want to sign up, as you will not need to try to earn enough rewards to cover an annual fee. The other fees on this credit card are pretty reasonable, as well.

 

Balance transfer fees on this credit card are very standard overall. You will be paying out 3% balance transfer fees with a maximum fee of $200.00. Cash advance fees are set at 3% with a maximum fee of $200.00, as well. These fall in line with many other similar rewards cards, so they should not surprise you in any way.

 

The maximum late fee that you will be paying on this credit card is $35.00. This is actually somewhat lower than several comparable cards. It all falls within standard ranges though, so nothing about the prices or fees really stands out too much. You won't be getting any special introductory APR rates for anything either.

 

You won't have to pay out any foreign transaction fees when using this credit card, either. This is good news for people who are stationed outside of the country. It makes sense of a military-focused cashback credit card to avoid foreign transaction fees. It just makes it an even more practical choice for military families.

 

The APR of this credit card is potentially somewhat high for some people. It is close enough to other cash back rewards cards that it does not come across as unusual. You should be able to get a similar rate to the other top cards on the market or have one that is just slightly higher.

 

Features of the USAA Cash Back Rewards Plus

You will be able to expect all of the normal security features to keep your credit card safe. These credit cards all come with chip card technology. The chip credit cards are very quickly becoming the standard around the world, and you can expect to have a card that will work at all of the chip-enabled terminals. All of the USAA cards stay up to date with current technology, and there is a great commitment to card security.

 

If your credit card gets stolen or is used without your authorization, then you will not be held accountable. Not having to feel quite so concerned about credit card fraud allows you to use this card without trepidation. You will not be liable for any fraudulent purchases and will be safer than usual. This credit card has very good security too, so you should not have to deal with many issues.

 

USAA makes it easy to get your credit card information when you need to check your balance, too. You can simply send out a text message, and you will be able to get access to your account balance and transaction history. This makes it easier than ever to keep an eye on your spending. You can budget your money easily and should enjoy how intuitive everything is to use.

 

Your account will also be accessible via a normal website. The site is optimized for mobile, which makes it simple to make changes or check into things, no matter where you are. They put a lot of effort into keeping things as customer-friendly as possible.  

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Benefits of the USAA Cash Back Rewards Plus

Perhaps the biggest benefit of being a cardholder is that you will get a special interest rate if you are on active duty. Those who are on active duty will be able to enjoy a very low-interest rate on any purchases. This makes it easier than ever to pay things down, and you can make sure that you stay on track financially. This is a great benefit for any active military personnel, and it should come in handy to keep military families safe while their loved one is off serving the country.

 

This special interest rate will last for quite a long time, too. It can go on for up to 12 months during deployment or PCS. This is a handy benefit that will make life just a bit easier when you are serving on active duty.

 

Another interesting benefit is that you will be given access to a convenient concierge service. Being able to access a concierge service is something that is normally reserved for luxury credit cards. It is a nice perk to be able to enjoy, and it can be very useful. You will be able to use the concierge service to help you get concert tickets, book travel arrangements, and they can even help you to get into special restaurants.

 

Many other standard benefits are present when using this credit card, too. For example, you will be able to receive a rental car collision damage waiver. You can also expect one-year extended warranty coverage on many things that you purchase using your credit card. These perks are a bit more standard, but they will still prove to be very useful to you.

 

Rewards Program Info

This rewards card is actually pretty good when it comes to helping you earn cash. You will be able to enjoy several bonus categories that will make it easy to earn cash back rewards. You can earn 5% cash back on the first $3,000 in combined annual spending on gas stations, exchange locations on military bases, and commissaries. This card also allows you to earn 2% cash back on your first $3,000 spent at supermarkets annually.

 

All of your other purchases will earn you a standard 1% cash back rate. Admittedly, the 1% cash back rate is not all that good, but it is completely unlimited. If you can maximize your spending on the bonus categories, you will be able to earn a good bit of your cash back every single year. It can be a fairly helpful rewards card to keep around, and it is very practical for military families.

 

There are other cash back rewards credit cards on the market that have a higher earning potential. This may not be the best card for those who are looking to earn very high numbers of cash rewards, but it can still be quite useful. If you buy a lot of groceries with your credit card, then you will be able to take advantage of the bonus category. It should be easy enough to earn everything that you can, so it is worth keeping in mind.

 

Redeeming rewards is simple as can be, too. You will be able to redeem your rewards as statement credit very easily, and it should never be too difficult to do. The customer service team that is associated with this card is top-notch, so you will be able to ask for help at any time. If you ever need help with redeeming rewards, you will always be able to reach out.

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The Pros

  • Good rewards potential
  • No annual fee
  • No foreign transaction fee
  • Active-duty APR

 

This card does have good overall rewards potential. If you take advantage of the bonus categories, then you can earn a pretty good chunk of change as cash back rewards. This will make it worth your while to sign up for the card. The bonus categories are pretty standard things, too, such as grocery purchases, which makes it easy to earn the maximum amount of rewards that are possible.

 

You don't need to worry about an annual fee with this credit card either, so it is a practical one to keep around. Not having to pay out money just to use the credit card each year is a good thing. You will be able to enjoy using this credit card without having to deal with too many fees at all. The fees that are present are within normal ranges, which makes them feel pretty harmless overall.

 

No foreign transaction fees are going to hold you down when you use this card. You will be able to use this credit card readily if you are stationed abroad. It keeps things very practical for those who are serving on foreign military bases. This is a very good card for military families that have to travel around.

 

Lastly, that active-duty APR rate is a very nice perk. Being able to enjoy a very low APR while you are on active duty is going to be quite helpful. It may not be reason enough to sign up by itself, but it is certainly a helpful feature.

 

The Cons

  • APR may be a bit high
  • Lack of APR introductory rate
  • No sign-up bonus

 

The APR on this credit card may be a bit high. If you compare this to other similar cashback rewards credit cards, then you will likely see that the interest rate of this card is a bit higher. It is not an extreme difference, but it may still be a bit on the high side. You will want to keep this in mind before signing up.

 

The lack of an introductory APR rate is somewhat disappointing, too. You will not be able to enjoy a special APR for the first 12 months, as you can with many other credit cards. This may limit the appeal of this credit card for some people. This is definitely not a credit card that you will want to transfer a balance too unless it is absolutely necessary.

 

You may also dislike that there is no sign-up bonus to speak of when looking at this card. Many similar cards will offer lucrative sign-up bonuses to sweet then deal. This card does not have any bonus deal or anything else special to draw you in. It does have good standard rewards potential, though.

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Credit Score Needed for Approval

In order to be approved for this credit card, you are going to want to have a good credit score. People in the very high 600s should be able to be approved for this card. A score close to 700 will be a safe bet. You may wish to check your credit score ahead of applying so that you can ensure that you meet the requirements.

 

Who Does the Cash Back Rewards Plus Appeal to Most?

As you likely expected, this credit card is going to appeal to military families. You will not even be able to sign up for this credit card if you do not have some type of military affiliation. To become a cardholder, you need to either be in the military currently, have served in the past, or you must be the adult child of someone who is a USAA member. This does limit the appeal of the card somewhat, but it is still a good option for those who can make use of it.

 

Being able to sign up for this card does come with various benefits. This can make it practical for you to justify signing up for the card, as it offers good rewards potential. Anyone who has an interest in earning cash back rewards on regular purchases will like this card. It offers a good cashback rate for the first $3,000 you spend in various categories. You will even be able to earn that 1% back on all purchases that you make, so it appeals to most people who would want a cashback rewards card.

 

This card does have a special appeal to people who are currently serving in the military, too. Being able to get that special low-interest rate while you are on active duty is going to be very helpful. It makes it easy to pay things off or to simply keep payments low. If you have the potential to go on active duty at any time, then having a credit card like this just might be especially worthwhile for you.

 

An Alternative Card to Consider

The Chase Freedom Card is a comparable credit card that you may want to consider. It will be able to stack up to the USAA Cashback Rewards Plus American Express Card in several categories. It also doesn't have any type of annual fee, and it has good potential to help you earn rewards. You can enjoy a 5% cash back rate in rotating bonus categories every quarter and 1% cash back on all other purchases.

Chase Freedom Credit Card Review

See our full review of the Chase Freedom card.

 

If you are unsure of whether or not you will be able to qualify for the USAA card, then you may want to stick with Chase Freedom. It offers good benefits, and it gives you the ability to earn rewards in a similar fashion. For some people, the Chase Freedom Card will even seem superior on the benefits side of things. It just depends on what you want out of your credit card.

 

Decision Time:  Is this USAA Credit Card the One for You?

Overall, the USAA Cashback Rewards Plus American Express Card is a solid option for you to consider. Whether or not it will be up to your standards will depend on several factors. If you are a current member of the military, then this may be one of the best cashback rewards cards for you to consider. It can still be a good option for veterans and the adult children of military personnel, but the true appeal may shine with those who have the potential to go on active duty.

 

Just keep all of the positive features in mind and see if it is a card that is going to meet your needs. It is definitely a cashback rewards card that has proven popular among many military families. It has good rewards potential, and the categories are easy to understand. This is a fairly straightforward card that should work well for you if you decide to give it a spot in your wallet.

 

USAA Cashback Rewards Plus

Introductory Offer:

No intro offer

Rewards:

You'll earn 5% cash rewards on gas and military base purchases (first $3000 spent annually). Earn 2% at supermarkets (first $3000 spent annually).

Benefits:

12 month Deployment APR offer.
No penalty APR.

Annual Fee:

No annual fee.

Our Thoughts:

This is a decent cash back option for military personnel. It has no annual fee and offers a lower deployment APR. It also earns extra rewards on certain spending.
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