Credit Card Reviews

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

Chase Freedom vs Freedom Unlimited

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

Chase Freedom Credit Card Review

Chase Freedom

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

No Annual Fee

LEARN HOW TO APPLY >>

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

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

No Annual Fee

LEARN HOW TO APPLY >>

Both Cards are Mostly the Same, Except for Earning Points

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

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

 

Introductory Offers

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

 

You’ll Need a Good to Great Credit Score

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

 

chase freedom vs chase freedom unlimited pinterest

 

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

 

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

 

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

 

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

Chase Freedom Unlimited Review: Better for Simplification

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

 

Chase Freedom Unlimited

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

 

Chase Freedom Review: Better for Maximizing Points

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

 

Chase Freedom

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

 

chase freedom unlimited vs chase freedom

 

Chase Freedom vs Freedom Unlimited: How About Both?

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

 

Transfer Points to a Premium Chase Card For More Value

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

 

Upgrade your Ultimate Rewards

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

transfer chase ultimate rewards

 

Chase Freedom Activate Quarterly Bonuses

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

 

Chase Freedom Calendar: Rotating Categories

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

chase freedom calendar spring 2019

 

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

 

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

Chase Freedom Credit Card Review

Chase Freedom

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

No Annual Fee

LEARN HOW TO APPLY >>

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited

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

No Annual Fee

LEARN HOW TO APPLY >>

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

delta reserve for business review

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

 

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

 

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

 

Delta Reserve for Business

Introductory Offer:

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

Also earn 10,000 Medallion Qualification Miles toward status.

Rewards:

You’ll earn 2X miles on Delta purchases.

Benefits:

Priority Boarding.

One free checked bag.

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

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

Concierge Service.

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

No foreign transaction fees.

Annual Fee:

$450 annual fee.

Terms Apply.

Our Thoughts:

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

 

Delta Reserve for Business Credit Card Fees

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

 

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

 

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

 

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

delta reserve for business premium credit card

 

Features and Benefits of the Delta Reserve for Business

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

 

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

 

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

 

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

 

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

 

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

 

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

 

Delta Skymiles Rewards Program Info

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

 

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

 

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

 

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

delta reserve for business card

 

The Pros

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

Credit Score Needed for Approval

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

delta reserve for business credit card

 

Who Does the Delta Reserve Business Card Appeal to Most?

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

 

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

 

An Alternative Card to Consider

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

AMEX Business Platinum Credit Card

See our full review of the Amex Business Platinum Card.

 

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

 

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

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

 

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

 

Delta Reserve for Business

Introductory Offer:

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

Also earn 10,000 Medallion Qualification Miles toward status.

Rewards:

You’ll earn 2X miles on Delta purchases.

Benefits:

Priority Boarding.

One free checked bag.

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

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

Concierge Service.

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

No foreign transaction fees.

Annual Fee:

$450 annual fee.

Terms Apply.

Our Thoughts:

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

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

united explorer card review

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

 

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

 

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

 

United Explorer Card

Introductory Offer:

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

Rewards:

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

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

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

 

United Explorer Credit Card Fees

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

 

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

 

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

 

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

united explorer card

 

Features and Benefits of the United Explorer Card

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

 

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

 

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

 

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

 

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

 

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

 

United Mileage Plus Rewards Program Info

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

 

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

 

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

 

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

 

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

united explorer credit card

 

The Pros

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

 

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

united explorer card mileage plus

 

Who Does the United Explorer Card Appeal to Most?

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

 

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

 

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

 

An Alternative Card to Consider

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

chase sapphire preferred credit card art

See our review of the Chase Sapphire Preferred.

 

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

 

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

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

 

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

 

United Explorer Card

Introductory Offer:

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

Rewards:

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

Benefits:

Free first checked bag for cardholder and one companion.

2 United Club Lounge passes per year.

Priority boarding.

Global Entry or TSA PreCheck fee statement credit.

Annual Fee:

$95 (waived in year 1)

Our Thoughts:

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

LEARN HOW TO APPLY NOW >>

 

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

blue cash everyday review

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

 

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

 

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

 

Amex Blue Cash Everyday

Introductory Offer:

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

15 month intro APR offer.

Rewards:

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

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

Benefits:

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

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

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

 

Amex Blue Cash Everyday Credit Card Fees

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

 

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

 

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

 

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

 

Features and Benefits of the Blue Cash Everyday Card

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

 

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

 

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

 

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

amex blue cash everyday credit card

 

Membership Rewards Program Info

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

 

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

 

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

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

 

amex blue cash everyday card

 

Credit Score Needed for Approval

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

 

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

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

 

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

 

An Alternative Card to Consider

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

blue cash preferred card from american express card art

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

 

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

 

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

 

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

 

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

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

 

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

 

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

 

Amex Blue Cash Everyday

Introductory Offer:

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

15 month intro APR offer.

Rewards:

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

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

Benefits:

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

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

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

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

world of hyatt credit card review

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

 

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

 

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

 

World of Hyatt Credit Card

Introductory Offer:


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

Rewards:

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

Benefits:

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

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

Automatic Discoverist elite status with World of Hyatt

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

Annual Fee:

$95 annual fee.

Our Thoughts:

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

 

World of Hyatt Credit Card Fees

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

 

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

 

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

 

Features and Benefits of the World of Hyatt Card

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

 

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

 

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

 

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

 

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

world of hyatt category 4

 

World of Hyatt Rewards Program Info

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

 

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

 

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

 

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

 

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

World of Hyatt credit card benefits

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

 

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

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

 

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

world of hyatt visa

 

An Alternative Card to Consider

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

chase sapphire preferred credit card art

See our review of the Chase Sapphire Preferred card.

 

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

 

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

 

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

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

 

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

 

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

 

World of Hyatt Credit Card

Introductory Offer:


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

Rewards:

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

Benefits:

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

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

Automatic Discoverist elite status with World of Hyatt

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

Annual Fee:

$95 annual fee.

Our Thoughts:

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

LEARN HOW TO APPLY NOW >>

 

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

british airways visa review

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

 

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

 

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

 

British Airways Credit Card

Introductory Offer:

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

Rewards:

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

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

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

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

 

British Airways Credit Card Fees

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

 

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

 

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

 

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

 

Features and Benefits of the British Airways Credit Card

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

 

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

 

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

 

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

 

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

british airways credit card

 

British Airways Rewards Program Info

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

 

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

 

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

 

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

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

british airways visa signature

 

Who Does the British Airways Credit Card Appeal to Most?

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

 

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

 

An Alternative Card to Consider

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

chase sapphire preferred credit card art

See our full review of the Chase Sapphire Preferred.

 

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

 

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

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

 

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

 

British Airways Credit Card

Introductory Offer:

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

Rewards:

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

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

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

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

LEARN HOW TO APPLY NOW >>

 

IHG Rewards Club Premier Credit Card Review: It’s Made for IHG Fans

ihg rewards club premier credit card review

If you’re the type of person who travels a lot for either business or pleasure, then you likely spend a lot of money on hotels. People who stay at hotels often can really benefit from having the appropriate rewards credit card to use. There are actually quite a few options when you are looking into hotel-branded credit cards. Depending on your preferred hotel chain, you may want to go in one direction or another.

 

If you are a fan of IHG Hotel brands, then IHG Rewards Club Premier Credit Card may be just what you are looking for. It gives you the opportunity to earn good rewards points for spending money at these hotels. It will also give you access to a number of different benefits. Depending on your expectations, this could be a very good fit for your situation.

 

Of course, you should never just jump into signing up for a credit card without getting all of the details. Is the IHG Rewards Club Premier Credit Card really worth it? Join us as we take a look at everything that it has to offer. We will help you to determine if this credit card is worth your while by giving you all of the right information to help you make a good decision.

 

IHG Rewards Club Premier

Introductory Offer:


You’ll earn 80,000 points after you spend $2,000 in the first 3 months. Earn an additional 40,000 points when you spend $5,000 in the first 6 months.

Rewards:

You’ll earn 10X points per dollar spent at IHG hotels, and 2X points at gas stations, grocery stores, and restaurants.

Benefits:

One free night award every account anniversary. Plus get your 4th night free when redeeming points for a stay of 4 nights or more.

Automatic platinum elite status with IHG.

Global Entry or TSA PreCheck statement credit every four years.

Annual Fee:

$89 annual fee.

Our Thoughts:

The introductory offer can be worth up to 12 free nights. The free night award each year for $89 is well worth it if you can use it on an otherwise expensive night.
LEARN MORE >>

 

IHG Rewards Club Premier Credit Card Fees

The fees that are associated with this credit card are really not too bad overall. You should know that you will need to pay an annual fee, though. The annual fee for this credit card is set at $89.00. It is not too high and falls within the normal limits of annual fees that you would expect from a rewards credit card of this tier.

 

On a positive note, this credit card does not force cardholders to pay any foreign transaction fees. If you wish to use your credit card while you are traveling outside of the United States, then it will be easy to do so. You will not be blindsided by any fees and it will help to keep your costs low. This makes it more practical to use the card at international locations, so it is good that foreign transaction fees are not an issue.

 

The APR of this credit card is a little bit on the high side. When you combine this with the fact that it does not have an introductory APR, it makes it less practical to carry a balance on this card. This card is best used when you are going to be paying off the balance right away. As long as you use the credit card intelligently, it should never really be an issue.

 

This card is not going to be a practical balance transfer option either. You should expect to use this card as a pure rewards card. It is best used when you are paying for hotels or when you are trying to hit one of the other bonus categories. It is a card that you use in the right situation to maximize your rewards potential.

ihg rewards club premier hotels

 

Features and Benefits of the IHG Rewards Club Premier Card

The introductory offer for this credit card is very nice overall. It actually allows you to earn two different bonuses for meeting different spending thresholds. If you spend enough money on your card by the three-month mark, then you will earn one bonus. Spending enough money by the six-month mark will allow you to earn a second bonus. This goes a long way toward making that annual fee seem like just a formality.

 

This credit card is also going to give you access to Platinum Elite Status at IHG Hotels. This can make paying that annual fee totally worth your time. As a Platinum Elite member, you will be able to earn 50% extra points on top of the base points that you earn as an IHG Rewards Club member. It is easy to see that this card allows you to earn points consistently and that you will likely have a mountain of points to use if you stay at these hotels often.

 

Another great benefit is that you will receive an application fee credit for the TSA PreCheck and GlobalEntry programs. These programs make travel faster and easier, so it is very helpful to become a member. It costs money just to apply for these programs, but your cardholder status entitles you to reimbursement for this fee every four years. It makes a lot of sense to take advantage of this if you fly regularly.

 

You will also be getting a free night at the hotel for every card anniversary that you have. You can redeem your free night at IHG Hotel locations around the world. This will work at any property that charges 40,000 points or less for a night when using rewards points to purchase the room. You won’t be eligible for your first free annual night until you have been a cardholder for one year.

 

Cardholders can also enjoy a free night when they use rewards points to book four nights in a row or more at an IHG hotel. This is very convenient for people who stay at one hotel for an extended period of time. It can help to offset some of your costs and is an easy perk to take advantage of.

 

IHG Rewards Program Info

The IHG Rewards Club Premier Credit Card gives you access to a very good rewards program. You will be able to earn 10 points for every $1.00 spent on IHG Hotel stays. You will also be earning points through the IHG Rewards Club membership, so this really makes it easy to earn points incredibly fast. Many cardholders seem to have a constant stream of points that they can use when they stay at these hotels regularly.

 

You can also earn an increased rewards rate on a few other categories. It is possible to earn 2X rewards points for every $1.00 spent at gas stations, grocery stores, and restaurants. This is pretty good overall and it gives the card a bit of extra utility. Even if you do not travel all the time, it may still be practical to use this card. You can earn decent points for everyday purchases, so it can be good to keep around as an option.

 

If you spend a lot of money on travel, then you may be eligible for further bonus points, too. This card rewards you with 10,000 bonus points annually when you spend at least $20,000 per year on your card. Of course, this is quite a high threshold, so not everyone is going to get this bonus. You also need to make one more purchase after reaching the $20,000 threshold for the bonus to take effect.

 

You can use your earned rewards points pretty effectively, too. The most lucrative way to use your rewards points is to help pay for hotel expenses. This will give you the most value for your points and is also the easiest redemption option to take advantage of. There are airline transfer partners that you can use as well, but the transfer rate does not retain the same value, making it more cost effective to use your rewards for hotel expenses.

ihg rewards club premier benefits

 

The Pros

  • No foreign transaction fees
  • Solid rewards potential
  • Good sign-up bonus
  • Get a free night every year
  • Platinum Elite Status

 

Not having to pay foreign transaction fees is very helpful for those who are going to be traveling outside of the country. If your travels take you outside of the country semi-frequently, then you will love not having to concern yourself with foreign transaction fees. It makes it more practical to use your credit card how you see fit. If you need to use this credit card while you are abroad, then doing so will not penalize you in any way.

 

This card also has solid rewards potential overall. There may be some hotel-branded rewards cards on the market that have a higher point value than this one, but this allows you to earn points fast. Earning 10 points per $1.00 spent at IHG Hotels is a great deal. You can definitely earn a lot of points over time and these points can be used to effectively improve your overall travel experience.

 

Having a good sign-up bonus is always beneficial as well. If you like the idea of being able to earn some bonus points very early on as a cardholder, then you will really enjoy this. You can earn a bonus for meeting a certain spending threshold in the first three months and can then earn a second bonus for spending a certain amount by the six-month mark. These points are very useful and you can use them right away to help pay for your hotel expenses.

 

You will be getting one free night per year while you are a cardholder as well. After each account anniversary, you will be able to redeem your free night at IHG Hotels around the world. It is also possible to earn a free night for redeeming points for any stay of four nights or longer. Being able to earn free nights in a simple and useful way such as this is great.

 

Platinum Elite Status is very sought after and it is going to improve your experience while staying at IHG Hotels. This helps you to earn even more points on top of the base points that you are earning through the IHG Rewards Club membership. Earning 50% more points makes the rewards potential of this credit card very good, so you can certainly earn a lot of rewards if you stay at hotels often. You will have this Platinum Elite Status as long as you are a cardholder.

 

The Cons

  • Has an annual fee
  • The APR is somewhat high
  • Limits you to IHG Hotels

 

The fact that this credit card has an annual fee will act as a deterrent to some people. The annual fee is really not high at all, though. At only $89.00, it is actually lower than many other comparable credit cards. Even so, some people prefer to only seek out options that forego having annual fees altogether.

 

It should also be said that the APR of this credit card is a bit on the high side. If you plan on carrying a balance on this credit card, then you should know that there are lower APR options out there. Depending on how you decide to use this card, this could be a factor that will pull you away from wanting to sign up. The APR is not completely terrible, but it is slightly higher than some other hotel-branded rewards credit cards.

 

Another potential negative is the fact that this credit card limits you to using IHG Hotels and other hotels that fall under the IHG Hotels umbrella. If you are not the type of person who normally commits to one hotel chain, then this may not work out well. You may want to go with a normal travel rewards credit card instead, as many of those will allow you to earn a flat rewards rate on all travel expenses. Try to think about your hotel habits and whether you will be fine with using IHG Hotels exclusively before you decide to apply for this one.

 

Credit Score Needed for Approval

Getting approved for the IHG Rewards Club Premier Credit Card is going to require a good credit score. You will not be able to be approved for this credit card unless your score is pretty high. Generally, a score of around 690 or higher is going to be able to get you approved for this card. You should always take the time to look at your current credit score before applying for a new credit card.

ihg rewards club premier credit card

 

Who Does the IHG Credit Card Appeal to Most?

As you might expect, this credit card is going to appeal to people who like staying at IHG Hotels. If you regularly stay at these hotels while you are traveling, then it makes sense to have a credit card that will allow you to benefit from it. You will be able to earn many rewards points over the years by using this card effectively. It should help you to alleviate some of your regular hotel expenses and you will be able to enjoy some good perks as well.

 

This is also simply a practical credit card for people who travel often enough. If you find yourself on the road multiple times per month, then you should really have access to a hotel-branded rewards credit card such as this one. It helps you to earn rewards for spending money that you were going to have to spend anyway. Even semi-regular travelers can benefit from this credit card due to the relatively low annual fee, though.

 

An Alternative Card to Consider

One good alternative to keep in mind is the Marriott Bonvoy Boundless Credit Card. If you prefer the Marriott chain of hotels, then this is going to work out better for you. There are many Marriott hotels around the world, as well as several hotels that fall under their umbrella. With more than 6,700 hotels around the world, finding a location to use the credit card at will never be a problem.

marriott bonvoy card art

See our full review of the Marriott Bonvoy Boundless card.

 

Marriott also has more luxury brand options than IHG Hotels. If you are more inclined to want to stay at luxury hotels and resorts, then you may be better off with the Marriott card. Both are really good and offer good rewards potential. It just comes down to which hotel chain appeals to you the most and what will be more practical for your situation. The IHG Rewards Club Premier Credit Card is going to be perfect for most people, but weigh all of your options before deciding.

 

Decision Time: Is the IHG Rewards Club Premier Right for You?

The IHG Rewards Club Premier Credit Card is actually very worthwhile for anyone who can take advantage of it properly. As long as you are committed to using hotels that fall under the IHG Hotels umbrella, you will be able to have a good experience with this credit card. It may not be perfect in some areas, but it gives you an overall good experience. You can earn points at a good rate while enjoying various benefits to sweeten the deal.

 

If you travel outside of the country, this credit card will be particularly useful. It has no foreign transaction fees and is easy for you to make use of at many hotels. The annual fee of this card is not overly high and it should be very easy to justify signing up for this. As long as you plan on staying at hotels several times a year, this credit card will be worthwhile to have in your wallet.

 

Even just getting access to Platinum Elite Status will make it a good idea to sign up for this card. If you stay at IHG Hotels, then you will be earning so many bonus points on top of your base points. Combine this with the free night that you will receive every year and it just makes sense to go this route. It is a good credit card that stands up to the competition as one of the most desirable options on the market.

 

IHG Rewards Club Premier

Introductory Offer:


You’ll earn 80,000 points after you spend $2,000 in the first 3 months. Earn an additional 40,000 points when you spend $5,000 in the first 6 months.

Rewards:

You’ll earn 10X points per dollar spent at IHG hotels, and 2X points at gas stations, grocery stores, and restaurants.

Benefits:

One free night award every account anniversary. Plus get your 4th night free when redeeming points for a stay of 4 nights or more.

Automatic platinum elite status with IHG.

Global Entry or TSA PreCheck statement credit every four years.

Annual Fee:

$89 annual fee.

Our Thoughts:

The introductory offer can be worth up to 12 free nights. The free night award each year for $89 is well worth it if you can use it on an otherwise expensive night.
LEARN MORE >>

LEARN HOW TO APPLY NOW >>

Capital One VentureOne Rewards Credit Card Review

capital one ventureone review

Anyone who travels a lot will love having a good travel rewards credit card in his or her wallet. When you have access to a credit card with travel rewards potential, it can help to mitigate some of your travel costs. The ability to earn rewards for your purchases makes your travel experience that much nicer. When you sign up for a good card, it can even offer you various perks that will ensure that you have a smooth experience while on the road.

 

There are many travel credit cards options and some of them come with hefty annual fees. If you travel a lot, then the premium travel rewards cards may be practical for you. Those who travel a bit more sparingly may still want access to a rewards card but will be less keen on paying a big fee just to get access to the card. This is why the Capital One VentureOne Rewards credit card is proving to be so popular.

 

This is a very cost-effective card that offers cardholders good overall rewards potential. If you have been waiting for a card that keeps your costs low while also providing you with good benefits, then this might be it. Even so, you want to be able to make an informed decision. That is why we are going to be reviewing the Capital One VentureOne Rewards credit card in depth today.

 

Join us as we look over all of the features and benefits of this credit card. We will take a close look at the rewards potential of this card and it will be easier for you to determine whether or not this credit card is a good fit for you. Read on to get the necessary information and you will be ready to make your decision in no time.

 

Capital One VentureOne

Introductory Offer:

You’ll earn 20,000 points after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 1.25X miles on every purchase.

Benefits:

Transfer points to airline and hotel travel partners.

Annual Fee:

No annual fee.

Our Thoughts:

This is a good no fee travel credit card. It offers a decent introductory offer and is one of the only no-fee cards to have airline and hotel travel partners.
LEARN MORE >>

 

Capital One VentureOne Credit Card Fees

One of the most appealing aspects of this credit card is the fact that it does not have an annual fee. If you are looking for a travel rewards credit card that has no annual fee, then you will not find a better option than this. This card offers you great rewards potential while keeping your costs very low. Being able to enjoy a good rewards rate without an attached fee means that you can use the card as much or as little as you need to without worrying.

 

Another fantastic benefit is that this card does not have any foreign transaction fees. Depending on how your traveling habits are, this may be really great news. If you travel outside of the country on vacation sometimes, then you will be able to use this credit card without any worries. No foreign transaction fees will be getting in your way while you are using this credit card.

 

This credit card also comes with a very nice introductory APR offer. You can enjoy an introductory APR rate on purchases for the first 12 months. This allows you to avoid interest and will make it more practical to carry a balance for the first year of being a cardholder. The regular APR falls within normal variable ranges, making it pretty inoffensive overall.

 

Surprisingly, this credit card does not have a balance transfer fee either. Most credit cards will at least have a 3% balance transfer fee so this is a somewhat nice feature. Regardless, this is not really a balance transfer credit card so the utility of this is not going to be all that high. It is still worth noting, though.

 

Features and Benefits of the VentureOne Card

The sign-up bonus for this credit card is worth mentioning due to it being very easy to obtain. As is standard for most credit cards, you can earn the bonus by meeting a spending threshold in the first three months of being a cardholder. This will allow you to earn a substantial number of miles that will help you to pay for some of your travel expenses. It is not a huge sign-up bonus but it is more than adequate for a card with no annual fee attached to it.

 

There are several good benefits that you will be able to take advantage of when using this credit card too. For instance, this credit card gives you access to travel accident insurance at no extra charge. As long as you use this card to pay for your travel bookings, you will always be able to rely on this coverage. It helps to keep you safe while you are out traveling and is a very worthwhile benefit.

 

Another good benefit that you will use regularly is the rental car coverage. Being able to use your credit card in order to receive rental car coverage is pretty standard but it will be useful nonetheless. This can help you to avoid using your own personal car insurance in case something happens. You need to pay for your rental car with the credit card to take advantage of this coverage, of course.

 

You can also enjoy extended warranty coverage on many items that you buy with your credit card. Items with warranties will be extended by an extra year when using this credit card. Not all purchases will be eligible for this but it can help to keep many things under warranty for longer periods of time. It is a good passive benefit that can help you to avoid costs when something goes awry with an item within the first few years.

 

Another benefit that needs to be brought up is that this card has a partnership deal with Hotels.com that will prove to be very helpful. When you use the website to book your hotels, you can earn 10 miles per dollar. This deal is good through January 2020 and will help many people to earn rewards miles easily. If you use this website to book your hotels all the time, then this credit card makes even more sense for you.

capital one ventureone rewards

 

Capital One Rewards Program Info

The rewards program for this credit card is actually very good for a card that has no annual fee. You will be able to earn 1.25 miles for every $1 spent on all of your purchases. This is good because it does not limit you to spending money on certain categories. Whatever you decide to purchase is going to help you to earn those rewards miles that you need.

 

You can earn the increased rewards mile total of 10 miles per $1 spent when booking through Hotels.com due to the special partnership. This is an offer that works through January 2020 and it can really help you to earn a lot of miles quickly. If you stay at hotels often enough, then you will be racking up miles at a much higher rate than usual. This is good for anyone who likes using this website and will be convenient for many people.

 

The rewards redemption options are particularly good with this credit card too. You are going to be given many different options for redeeming your earned rewards miles. Of course, you can book flights directly through Capital One’s travel platform. There are also many partner businesses that will allow you to transfer your miles over to various travel programs.

 

You can also choose to receive statement credit instead of using your earned miles in a more traditional way. It is good to have the option but this is not going to be as cost-effective as the other redemption methods. In order to do this, you can pay for travel and then use your miles to help pay for the expenses as a statement credit. It is not complicated and should be easy to do if you decide that you want to go that route.

 

The Pros

  • No annual fee
  • No foreign transaction fee
  • Good rewards rate
  • Hotels.com partnership
  • Flexible redemption options

 

Being able to enjoy a travel credit card with no annual fee is going to be a treat. Most cards without an annual fee will not offer you the most robust options. This is not the case with the Capital One VentureOne Rewards credit card. It keeps your costs low while still giving you great features to enjoy.

 

You will not have to put up with any foreign transaction fees while using this credit card either. The lack of a foreign transaction fee is definitely very beneficial. You can use the card while you are traveling abroad without having any problems. This gives you more flexibility with how you use this credit card and will make it more desirable for people who travel outside of the country regularly.

 

It is important to note that this credit card has a pretty good rewards rate for a travel credit card with no annual fee. You'll be able to earn 1.25 miles for every $1 spent on any purchases. It doesn't even limit you to purchases in certain categories when using the credit card. You can earn rewards miles for buying groceries just as easily as you can for purchasing airfare.

 

The Hotels.com partnership is one of the big reasons why this credit card is jumping in popularity lately. Being able to earn 10 miles per $1 spent is a great rewards rate that you should take advantage of while you can. This partnership is active through January 2020 and will work to help customers earn rewards miles at a drastically increased rate. If you stay at hotels somewhat often, then this should certainly be on your radar.

 

The flexible redemption options for your rewards miles should also be mentioned. You can make use of many options when it comes time to redeem your miles. It is possible to book travel through the Capital One Travel portal or you can transfer the miles to partner businesses. There are even statement credit options to consider so the choice of how to use your earned rewards is certainly placed in your hands.

 

The Cons

  • There are credit cards with higher rewards potential.
  • There are no luxury perks.
  • Cash-back rewards options are not great.

 

There are some credit cards out there with more rewards potential. The basic rewards rate of this card is only 1.25 miles per $1 spent. There are many options out there that allow cardholders to earn two miles per $1 spent or more. Many of these will have annual fees attached to them but you should still know that the rewards potential of this card is outmatched by some other offerings.

 

You will also not be able to take advantage of any luxury perks while using this credit card. The benefits of this credit card are more basic than some other travel credit cards. If you want better perks, some cards with $95 annual fees may offer access to greater travel benefits. Depending on what your needs are, it might be worthwhile to look for a card with better overall perks.

 

The cash-back rewards options for this credit card are not great either. It is good to have the option but it will not be the most cost-effective way to use your earned miles. You may want to avoid getting a statement credit for your miles if you want to make the most out of the rewards program. Booking your travel through the Capital One Travel portal is likely the simplest and best thing to do.

 

Credit Score Needed for Approval

In order to be approved for this credit card, you will need to make sure that you have a high credit score. Scores that fall in the very good range will be eligible. It is recommended that you have a score of 690 or higher if you are thinking of applying for this credit card. It will be a good idea to check your credit score first just to make sure that you meet the score recommendation.

capital one ventureone travel

 

Who Does the VentureOne Card Appeal to Most?

The Capital One VentureOne Rewards credit card can really appeal to many different people. It is a good credit card for people who only travel somewhat frequently. When you travel enough to want a good rewards card but don’t travel so much that it warrants a card with a high annual fee, this one makes sense. It offers good rewards potential and various benefits that will make your travel time much nicer.

 

This is also an appealing credit card for those who like flexible redemption options. There are many ways that you can use your earned miles and there are several transfer partnerships to consider. It is even possible to get statement credit instead if you would like to go that route. People love being able to have choices and this credit card gives you all the options that you could want.

 

The interesting partnership with Hotels.com makes this card desirable too. If you are a regular user of this site, then being able to get 10 miles for every dollar spent on the site is perfect. It can lead you to some really good rewards by being able to earn miles at this rate through January 2020. If you do your hotel booking through this site anyway, then this is a credit card that you should sign up for as soon as possible.

 

An Alternative Card to Consider

There are many alternative travel credit cards that may work better in some situations. It just depends on what your travel habits are and how often you decide to travel. If you travel multiple times per month, then signing up for the normal Capital One Venture Rewards credit card may offer you increased rewards potential. This card can offer you two miles per $1 spent and it can be more lucrative for frequent travelers because of this.

Capital One Venture Credit Card Review

See our full review of the Capital One Venture Rewards card.

 

There are also some enhanced perks to consider when signing up for the Capital One Venture Rewards credit card. You can get application fee credit for the Global Entry and TSA PreCheck programs. This more than pays for the $95 annual fee of the card. To add to this, the Capital One Venture Rewards credit card has a bigger sign-up bonus than the VentureOne card. Depending on how often you will use the card, it may be a better option for you.

 

Decision Time: Is the Capital One VentureOne Right for You?

Overall, the Capital One VentureOne Rewards credit card is a great option for many people. If you travel somewhat frequently, then this card is going to really prove to be useful. It offers you various benefits while giving you a good rewards rate that will make your hotel stays that much nicer. The partnership with the Hotels.com website makes a big difference too so it’s perfect if you love to use that site.

 

Simply being able to gain access to a credit card that offers you so many positive features is great. The fact that the rewards program is so good when there is not even an annual fee attached to the card is astounding. It makes it very easy to recommend this credit card to most people. Really frequent travelers may find some increased potential in cards with high annual fees but this one is going to work perfectly for everyone else.

 

Don’t hesitate to apply for this credit card if you need a simple-to-use card that has good travel rewards. The flexible redemption options make it easy to use your earned points and give you several options. You won’t have to deal with high fees with this card and it even avoids foreign transaction fees entirely. It is a worthwhile travel credit card that should serve you well.

 

Capital One VentureOne

Introductory Offer:

You’ll earn 20,000 points after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 1.25X miles on every purchase.

Benefits:

Transfer points to airline and hotel travel partners.

Annual Fee:

No annual fee.

Our Thoughts:

This is a good no fee travel credit card. It offers a decent introductory offer and is one of the only no-fee cards to have airline and hotel travel partners.
LEARN MORE >>

Marriott Bonvoy Business Credit Card Review: A Card for Marriott Fans

marriott bonvoy business review

If you wind up spending a significant amount of money on hotels and travel every year, then it is a good idea to get a rewards credit card. Your business can benefit from having access to a good rewards card. When you use a rewards credit card in the proper way, it is possible to alleviate a good bit of your travel expenses. This can make a difference and it may also give you access to many special perks that will make your travel time that much nicer.

 

There are actually many travel credit cards out there and many of the most popular ones are based around hotel rewards. This is the case for the credit card that we will be looking at today. The Marriott Bonvoy Business Credit Card has proven to be a popular option among people who love staying at the Marriott. Does this card have enough merit for you to want to give it a coveted spot in your wallet?

 

Join us as we take a deep look at the Marriott Bonvoy Business Credit Card. We are going to be looking at it from all of the different angles to see just how lucrative it can really be. It will give you a good idea of whether or not it will work out right for your business. Continue reading and we will learn about all of the important facts of this credit card together.

 

Marriott Bonvoy Business

Introductory Offer:

*LIMITED TIME OFFER
You’ll earn 100,000 points after you spend $5,000 in the first 3 months.

Rewards:

You’ll earn 6X points per dollar spent at Marriott hotels.

Earn 4x points at US restaurants, US gas stations, on US cell phone services and US shipping purchases.

Earn 2x points on all other purchases.

Benefits:

One free night award (up to category 5) every account anniversary.

Earn an additional free night award after spending $60,000 on your card in a calendar year.

Automatic silver elite status with Marriott Bonvoy

Gold status after spending $35k

15 elite night credits each calendar year.

Annual Fee:

$125 annual fee.

Terms Apply

Our Thoughts:

The signup bonus is good, as it will earn you approximately enough points for three free nights at a category 5 hotel. The free night award each year for $125 is worth it if you can use the award on an otherwise expensive stay.
LEARN MORE >>

 

Marriott Bonvoy Business Credit Card Fees

Of course, you want to know what types of fees you can expect to deal with when you are signing up for any new credit card. Your business will not likely scoff at the fees of this card, as they are fairly low for the most part. This credit card has an annual fee of $125.00. This annual fee is pretty standard for a business credit card of this range and it is easy enough to justify it.

 

There is going to be a cash advance fee for this credit card as well. If you choose to use this credit card to receive a cash advance, then there will be a fee of 3% or $5.00 and you will be charged whichever amount is greater. This is not any higher than other similar business credit cards and you are unlikely to use the cash advance feature unless you’re in dire need. This is not a fee that most businesses will be concerned about at all.

 

The late payment and returned payment fees are all within normal ranges, too. You should expect to pay up to $38.00 for a late payment. When you have a returned payment, you will need to pay a flat fee of $38.00. This should work out fine for you and is all completely reasonable for a travel rewards business credit card.

 

One of the positives about this credit card is that it does not have any foreign transaction fees. Many of the best business travel rewards credit cards are doing away with foreign transaction fees. It is not entirely uncommon for businesses to need to travel abroad from time to time. Not having to worry about getting hit with foreign transaction fees while you’re outside of the country is certainly a good thing.

marriott bonvoy business american express

 

Features and Benefits of the Bonvoy Business Card

You should be able to expect a pretty good introductory offer when you sign up for this credit card. As of now, the bonus allows you to earn a fairly substantial number of bonus points for spending a certain amount of money in the first three months of being a cardholder. The introductory offer is something that is always changing, but this card usually has a pretty lucrative bonus. If you can take advantage of it, then you will be able to get a hefty sum of points to help you start alleviating some of those hotel costs.

 

There are also many benefits to being a cardholder. When you have this credit card it is going to give you automatic Silver Elite status at Marriott hotels. This allows you to earn 10% more points on your paid hotel stays. You will also be able to enjoy nice perks, such as late checkout and access to a dedicated reserve line.

 

The best benefit of the Marriott Bonvoy Business card is that you will receive a free night award every calendar year automatically. You’ll also receive another free night award if you spend $60,000 in a calendar year on your card. These free night awards can be used at Marriott category 5 hotels and lower. A category 5 hotel, when booked with points, typically costs 35,000 points.

 

You will also be on the path to earning Silver Elite status when you become a cardholder. It is possible to upgrade your membership status to Gold when you spend $35,000 on purchases within a calendar year. This can increase your benefits further and will make your new credit card that much more lucrative for your business. If you are a loyal Marriott customer, then the perks of being an elite member will come in handy all the time.

 

Getting to that next level is not too hard either, as you will be receiving a 15 nights credit toward that next level of elite status. You will also be getting a free night awarded to you every single year. You can redeem this free night at any of the hotels under the Marriott umbrella that charge 35,000 points or less for one night. All of this can be enjoyed while also receiving standard benefits at the hotels, such as WiFi access.

 

You will also be able to receive compensation if one of the Marriott hotels is unable to honor your reservation. This is a nice feature that helps to mitigate any problems that might arise due to an overbooked hotel. Situations such as this are rare, but it is good to know that you will be taken care of if something such as this does occur. This card will prove to be very beneficial for any business travelers that stay at Marriott hotels often.

 

Marriott Bonvoy Rewards Program Info

The rewards program of the Marriott Bonvoy Business Credit Card is where it truly starts to stand out as a particularly appealing option. Cardholders will be able to earn 6X points per $1.00 spent at all participating Marriott Bonvoy hotels. There are a large number of Marriott Bonvoy hotels and this makes it very easy to earn that 6X bonus points rate for businesses that travel frequently. If you are already a regular Marriott customer, then this credit card is going to be particularly lucrative for you.

 

You will also be able to earn an increased point total on other spending categories as well. It is possible to earn 4X bonus points per $1.00 spent at US gas stations, US restaurants, US shipping purchases, and wireless telephone services that are purchased directly from a US service. These categories are going to be very practical for many businesses, making it another good constant source of rewards points. Businesses can pay for their wireless telephone services with this credit card every month, as well as any regular US shipping purchases.

 

All of your other purchases will earn you 2X points per $1.00 spent. This makes it a pretty decent normal rewards card for other purchases as well. If you need to use this credit card for random other purchases, it will at least earn you 2X points. This is one of the most practical business credit cards for people who want to earn travel rewards constantly.

 

The fact that you have automatic Silver Elite status at the Marriott hotels is going to help you out, too. This allows you to earn more points than usual just for being an elite member. When you spend money at Marriott Bonvoy hotels, you will actually be able to earn 17X points for every $1.00 spent when all is said and done. This is an astounding point total that will help you to earn rewards very fast.

 

Redemption options for your points are pretty good overall, too. The Marriott Bonvoy rewards redemption program has eight different tiers for you to choose from. This gives you quite a bit of nuance when you are choosing how to redeem your points for hotel stays. For the most part, the rewards redemptions are split between various off-peak periods and peak periods of time. The point cost of the award nights will differ depending on certain factors, but you will have many choices available to you.

 

The rewards points that you have earned can also be transferred over to an airline. There are more than 40 airline partners in this program and this gives you several choices for where you want your miles to go. Many of these programs allow you to transfer your points at a very favorable ratio. It can certainly be useful when you want to help pay for an upcoming business trip.

marriott bonvoy business amex

 

The Pros

  • Great rewards potential
  • Automatic Silver Elite status
  • Many rewards point redemption options
  • No foreign transaction fees

 

The great rewards potential of this credit card is hard to deny. You will be able to earn tons of points if you stay at Marriott Bonvoy hotels regularly. The card also allows you to earn 4X points per $1.00 spent in categories such as US restaurants and US gas stations. This is a card that will truly work out perfectly for many businesses that travel regularly.

 

Being able to get automatic Silver Elite status is fantastic as well. You will be able to earn extra points for staying at Marriott Bonvoy hotels on top of your normal base points that you already receive. It allows you to really make the most out of your Marriott Bonvoy purchases. Cardholders also receive special perks at the hotel, such as late checkouts and free WiFi.

 

There are many different reward redemption options available to you as a cardholder as well. If you like having options, then this card might be the one for your business. You can redeem your points for hotel stays in various different tiers. There are also many airline transfer partners, allowing you to pay for airfare using your earned rewards quite easily.

 

The lack of foreign transaction fees is a really nice touch, too. If your business travels outside of the country often, then you do not want to have any foreign transaction fees dangling over your head. This card does away with those fees entirely and is more customer friendly because of it. All of the fees are pretty reasonable for this card, so you should always have a good overall experience.

 

The Cons

  • Has an annual fee
  • Certain cards may offer more flexibility
  • No cash back or statement credit options

 

Overall, the Marriott Bonvoy Business Credit Card is very good. It is a card that is going to appeal to many people, so there are not many negative things to say about it. Some businesses do not like having to pay annual fees, though. This does have a $125.00 annual fee.

 

Some credit cards may offer more flexibility in certain areas. This card does have many different bonus categories, but some of them are limited to US purchases. If you travel abroad, then it may be disappointing to not be able to earn 4X bonus points for foreign gas station purchases. It is not a huge deal for most businesses, but some will see that as a potential negative.

 

The fact that there are no cash back or statement credit options for this credit card may hurt it as well. If you like to have extremely flexible redemption options for your rewards credit cards, then this one may not be for you. The rewards redemption options for this card are all travel oriented. You will be able to redeem points to stay in hotels or you can transfer the points to various airlines. If you want more nuanced than that, then you will be better off seeking a more general business credit card.

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require a very good credit score. It is recommended that you have a credit score of 690 or higher before you think of applying for this one. Those who have scores that are in the excellent range will likely have an easy time being approved for the card. Checking your credit score before applying for this card is always a good idea to make sure that you will have a chance of getting it.

marriott bonvoy business credit card

 

Who Does the Marriott Bonvoy Business Card Appeal to Most?

This credit card is primarily going to appeal to businesses that have a lot of travel expenses. If you do not travel often enough, then you will not be able to use the rewards that you are earning from this credit card. The credit card rewards you by allowing you to pay for hotel stays and airfare with your earned points. If you do not travel more than a couple of times per year on business, then there may be better business credit cards out there for your situation.

 

Businesses that do have travel expenses will love this card. It is great for any business that loves staying at the Marriott hotels. Being that there are so many hotels that fall under the Marriott umbrella now, it is easy to take advantage of the bonus point opportunities. The card also appeals to regular Marriott customers due to it giving access to automatic Silver Elite status. The Silver Elite status can improve your Marriott experience while allowing you to earn even more points than usual.

 

Any businesses that spend money on US shipping and wireless telephone services will enjoy being able to earn 4X points per $1.00 spent as well. It may not earn you quite as many points as staying at Marriott Bonvoy hotels, but it does allow businesses to constantly earn rewards points every month for normal bills.

 

An Alternative Card to Consider

If you need an alternative to this credit card, then you may want to consider the Capital One Spark Cash for Business credit card. This credit card is incredibly flexible and allows just about any business to use it to its full potential. You will be able to earn an unlimited amount of cash back at a 2% rate. If you prefer cash back options to earning points that you can use to pay for travel, then this will be the better card.

capital one spark cash for business card art

See our full review of the Capital One Spark Cash.

 

Of course, you will not be getting the same perks if you decide to go with this card. Both cards are very good in their own right. Which card will be better for your business will come down to your spending habits and how often you can use your earned rewards from the Marriott Bonvoy Business Credit Card. Weigh the positives of each credit card to determine which is better for your situation.

 

Decision Time: Is the Marriott Bonvoy Business card Right for You?

The Marriott Bonvoy Business Credit Card is a perfect fit for many businesses. If you spend a lot of money on travel expenses, then this is a card that will be very useful to you. It can give you a better experience at the Marriott hotels and it allows you to constantly earn rewards points. You can earn bonus points in various categories and will always be able to use the points to alleviate some of your travel expenses.

 

These points even transfer over to various airlines in the form of miles. It makes it easy to use this card to its full potential when you travel regularly. For businesses that only travel sometimes, the rewards may not come in handy quite as often. So long as you can use this card properly, you should have a very good experience.

 

Marriott Bonvoy Business

Introductory Offer:

*LIMITED TIME OFFER
You’ll earn 100,000 points after you spend $5,000 in the first 3 months.

Rewards:

You’ll earn 6X points per dollar spent at Marriott hotels.

Earn 4x points at US restaurants, US gas stations, on US cell phone services and US shipping purchases.

Earn 2x points on all other purchases.

Benefits:

One free night award (up to category 5) every account anniversary.

Earn an additional free night award after spending $60,000 on your card in a calendar year.

Automatic silver elite status with Marriott Bonvoy

Gold status after spending $35k

15 elite night credits each calendar year.

Annual Fee:

$125 annual fee.

Terms Apply

Our Thoughts:

The signup bonus is good, as it will earn you approximately enough points for three free nights at a category 5 hotel. The free night award each year for $125 is worth it if you can use the award on an otherwise expensive stay.
LEARN MORE >>

LEARN HOW TO APPLY NOW >>

Chase Sapphire Reserve Review: The Most Valuable Premium Travel Card

chase sapphire reserve review

People who travel all the time can really benefit from having the right credit card in their wallets. If you have a good travel rewards credit card that you can use, then you can earn many lucrative rewards points. There are several types of travel rewards credit cards on the market and many of them are quite appealing. It can be somewhat difficult to figure out which one is going to fit your needs the best, though.

 

The Chase Sapphire Reserve Card has been making some waves in the travel community lately. This credit card offers cardholders ample rewards opportunities and many great perks. It comes with a bit of a high annual fee, but it is still seen as a very worthwhile option. If you have been looking for a new travel rewards credit card, then this may be one of the best fits for those who travel a lot.

 

Join us today as we give the Chase Sapphire Reserve Card a thorough review. This review is going to touch on all of the important questions that you need to know before signing up. You can look at the prices, fees, benefits, and the rewards program ahead of time. Getting the right information makes it that much simpler to make the right decision for yourself, so read on as we dig into the details.

 

Chase Sapphire Reserve

Introductory Offer:

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

Rewards:

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

Benefits:

$300 annual travel credit.

Priority Pass Select airport lounge access.

TSA PreCheck or Global Entry.

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

No foreign transaction fees.

1:1 point transfers to partner hotels and airlines.

Annual Fee:

$450

Our Thoughts:

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

 

Chase Sapphire Reserve Fees

The first thing to recognize about this credit card is that it comes with a $450.00 annual fee. This is obviously quite high, but that should not scare you away right off of the bat. If you use this credit card often enough, then the rewards that you earn can really negate the fee. Those who travel multiple times per month are going to earn rewards that will make this fee completely irrelevant, so try to keep an open mind about this credit card.

 

You will also have to deal with balance transfer fees that are slightly higher than many other travel rewards cards. The balance transfer fee is set at 5% with a minimum fee of $5.00. This is not absolutely terrible in the grand scheme of things, but it may not be best to use your credit card in this way. The APR is not low enough to make this a good balance transfer credit card and there is no special introductory APR offer to take advantage of.

 

Cash advance fees are also quite high when you use this card. The fee on cash advances is going to be either 5% of the transaction amount or $10.00, whichever is greater. You will likely not be using this card to get cash advances unless there is some type of an odd emergency situation, but you still need to know about it. These fees will be irrelevant to most people who use this credit card in the intended ways, so just keep these fees in the back of your mind in case it will wind up being a deciding factor for you.

 

On a positive note, this credit card does not have any foreign transaction fees to worry about. Whenever you can avoid foreign transaction fees, it is going to be a positive thing. It makes it a lot simpler when you travel outside of the country on vacation. You can use this card if you need to do so and will not be forced to pay any high fees just for doing so.

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Features and Benefits of the Sapphire Reserve

This credit card offers cardholders many great benefits and features that will make things worth your while. One of the best ways to negate that high annual fee is to qualify for the sign-up bonus that this card offers. It has a standard bonus where you need to spend a certain amount of money in the first three months to qualify for rewards points. The bonus is pretty large though and the amount of money that you have to spend is reasonable. If you are able to get the bonus, then it will make that annual fee seem like nothing.

 

There are also a number of beneficial perks that you can enjoy for being a cardholder. One of the most popular perks is the annual travel credit. You will be able to receive $300.00 in annual travel credits that can be used toward any purchases that you can define as being in the travel category. This counts for a number of different categories including airline purchases, hotels, car rentals, cruises, travel agencies, taxis, buses, and much more. Needless to say, it will be very easy to make use of this handy travel credit every single year.

 

One of the premium perks that regular travelers will use all of the time is the premium lounge access. You will have access to a Priority Pass Select membership just for being a cardholder. This is going to grant you access to more than 1,200 airport lounges around the world. You can also add another user onto this account for only $75.00, allowing your traveling companion to enjoy the same great perks that you are.

 

You can also expect to receive an application fee credit when you apply for the GlobalEntry and TSA PreCheck programs. These programs make it a lot faster to travel and it is very beneficial to become a member of the program. It is not free to apply, but you can receive a statement credit for the application fee as a perk for being a cardholder. This is a perk that is available to cardholders once every four years and you can use your credit to help cover a friend or family member’s application fee if you are already enrolled.

 

The Chase Sapphire Reserve Card is also one of the Visa Infinite credit cards. This means that you get access to some specific perks that are associated with these cards. This includes many fantastic things such as primary rental car insurance. There are many credit cards that offer rental car insurance, but most coverage plans are secondary insurance options. This is a primary insurance coverage option for rental vehicles, making it that much more convenient for you when you need to rent a car.

 

Other perks include trip cancellation or delay coverage, lost luggage insurance, and a robust concierge service. Being able to gain access to all of these tremendous perks really makes being a cardholder a worthwhile experience for just about anyone. If you travel often enough, then this is going to significantly improve your overall experience. You can expect to enjoy great treatment while traveling and will receive ample help if anything ever goes awry on your trip.

 

Chase Ultimate Rewards Info

The rewards program for this credit card is very good overall. It offers you the ability to earn 3X points per $1.00 spent on all travel and dining purchases. You will also be able to earn 1X rewards points on any other purchases that you make with the card. The purchases that count as travel and dining expenses are very generous too, so you will be able to earn the 3X rewards rate on many of your expenses.

 

Things, such as ride-sharing services, will count as travel purchases, making it easy to rack up those points for common purchases while you’re visiting a new city. You can also receive the 3X points in the dining category for ordering food from a delivery service. Having a wide variety of options for your bonus categories is very nice and it will make it simple to use this credit card to its full potential.

 

The redemption options for this credit card are also very robust. Chase is well known for their Ultimate Rewards program and this is a credit card that will give you great flexibility. If you wish to get creative with how you redeem your points to maximize the value of your earned rewards, then the Chase Ultimate Rewards portal gives you many great options. It is also possible to transfer your earned rewards points over to various travel partner businesses.

 

Transferring your points to one of the Chase partner businesses is very intuitive and it allows you to make great use of your earned rewards. For example, you can transfer the points to various airlines to pay for travel expenses. These rewards points will be able to help you pay for airfare, hotel expenses, and so much more. It is certainly one of the more customer-friendly rewards programs on the market, making it very easy to recommend it.

 

The Pros

  • Great rewards program
  • Easy and flexible redemption options
  • Large sign-up bonus
  • Great benefits
  • No foreign transaction fees

 

Of course, this credit card has an absolutely great rewards program. Anyone who wants to earn ample amounts of rewards will love having this card in their wallet. You can earn 3x points per $1.00 spent on travel and dining purchases. Chase is very generous about what counts as travel and dining expenses too, so you will be earning the 3X rewards rate quite often when using this card.

 

The easy and flexible redemption options are also a big reason to sign up for the card. You will be able to make use of the Chase Ultimate Rewards portal to truly maximize the value of your earned rewards points. Chase also has many partner businesses that you can transfer your earned points to. This makes it simple to use your rewards points to pay for travel expenses and many other things as well.

 

You can also enjoy a very large sign-up bonus if you make sure to qualify for it. It will require that you spend a certain amount of money within the first three months. Meeting the spending requirement should not prove difficult for anyone who travels frequently enough. This large bonus will give you many rewards points to use, making it even easier to justify that high annual fee.

 

Great benefits help the Chase Sapphire Reserve Card to stand out from the competition. This card gives you access to over 1,200 airport lounges around the world. You will receive $300.00 in travel credits each year to help alleviate some of your expenses too. When you combine these perks with standard ones, such as luggage insurance, it becomes even easier to see how customer-friendly this card really is.

 

It is also important to remember that this credit card does not have any foreign transaction fees. This card will be useful for you when you are traveling abroad as well. Many cards have high foreign transaction fees, but that is not the case here. You can use your credit card while outside of the country without any hesitation.

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The Cons

  • The annual fee is quite high
  • Requires an excellent credit score

 

One of the only negative things that people could say about this credit card is that it has a high annual fee. The annual fee of $450.00 is a lot higher than many other travel credit cards on the market. Even so, the rewards potential of this card is so high that it really makes the annual fee a moot point. Cardholders also receive a $300.00 annual travel credit which goes a long way toward negating the annual fee.

 

You should also know that this card is going to require an excellent credit score. This may wind up being somewhat of a problem for some people. Even those with very good scores may wind up being turned down. If you are not able to meet the requirements, then this card may not be a possibility for you.

 

Credit Score Needed for Approval

To be approved for the Chase Sapphire Reserve Card, you will need an excellent credit score. The recommended credit score for this card is 720 or higher. This is a very high score and it may put this credit card slightly out of reach for many people. It is imperative that you check your credit score before applying to avoid any potential disappointment. If your score is too low, then you may wish to make an effort to raise it slightly before returning to the idea of signing up for this card.

 

Who Does the Chase Sapphire Reserve Appeal to Most?

This credit card is going to appeal to several different types of people. It will appeal to professionals who travel regularly and want to earn rewards for their travel and dining expenses. If you spend a lot of money on airfare, hotels, and car rentals, then this card will start to pay off fast. The perks of being a cardholder will also simply make your travel experience a lot better overall.

 

It is also a credit card that appeals to those who travel semi-regularly. It has high enough rewards potential that this card can be a benefit to people who only travel for fun. The bonus categories are generous and you can earn 3X points on ridesharing and food delivery services. This is going to be a very practical credit card for a number of different people.

 

An Alternative Card to Consider

One potential alternative to this credit card is the Capital One Venture Rewards Card. It is also a very good travel credit card and it might be even easier to manage in some ways. It gives you a flat rewards rate on all of your purchases. Being able to earn 2X points per $1.00 spent on any purchase is really good overall. For some people, this may work out better than the Chase Sapphire Reserve Card.

Capital One Venture Credit Card Review

See our full review of the Capital One Venture card.

 

If you travel often enough, then the Chase Sapphire Reserve Card might be the better option. For those who do not spend money on dining and travel too often, the Capital One Venture Rewards Card will pull ahead. It depends on your spending habits and what you expect out of a credit card. The annual fee of the Capital One Venture Rewards Card is lower too, as it only costs $95.00 per year with the first year being waived.

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Decision Time: Is the Chase Sapphire Reserve Right for You?

The Chase Sapphire Reserve Card is a truly phenomenal option for anyone who can use the card to its full potential. This card really helps people to earn rewards points at a high rate. The ability to earn 3X points per $1.00 spent on travel and dining is stellar. If you travel a lot, then you will really be able to alleviate a lot of your expenses through earning rewards.

 

You will also benefit from having this card just because of how nice the perks are. It is a credit card that makes it that much more comfortable for you to travel. Gaining access to various airport lounges around the world and being able to use a dedicated concierge service will be great. Other perks such as the $300.00 annual travel credit will be very practical and help to trivialize the annual fee.

 

So long as you use this card in the right bonus categories, you will be able to come out ahead. Don’t hesitate to sign up for this credit card if you think that you can use it frequently enough. It will give you a great travel experience and will be a constant source of rewards points. It earns a recommendation due to being easy to use and the high rewards potential that it possesses.

 

Chase Sapphire Reserve

Introductory Offer:

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

Rewards:

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

Benefits:

$300 annual travel credit.

Priority Pass Select airport lounge access.

TSA PreCheck or Global Entry.

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

No foreign transaction fees.

1:1 point transfers to partner hotels and airlines.

Annual Fee:

$450

Our Thoughts:

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