Credit Card Reviews

The Best Business Travel Credit Cards: You Can Earn More than Just Cash Back

the best business travel credit cards

As a small business owner, you’re always looking to both save and earn more money wherever possible. 1% growth on your bottom line is more money in your pocket and therefore good for your business. If, for instance, you could sell your product for 1% more or manufacture it for 1% less, you’d probably be very happy.

 

One way that your business can earn more, is by getting a better return on all expenses.  The way to do that is through the best business travel credit cards and their introductory bonuses.  They will make you wonder why you were ever happy with that 1% cash back credit card.

 

More information on each card can be found below:

 

Are You Missing Out on Free Travel Rewards?

If you’re using cash, a debit card, or even the wrong credit card for business expenses, you are missing out on either cash back or free travel.  While cash-back can be great, most cash-back credit cards will only earn you 1-2% back on all purchases.

 

If you were to get the right combination of business travel credit cards, you could instead be regularly earning 5-10% value or more back in travel points.  Even better, if you’re willing to apply for business travel credit cards continually earning introductory bonuses, you can often earn at least a 10-20% travel value return on your spending.

best travel credit cards for business

 

34% Value Back Using a Business Travel Credit Card

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

 

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

 

Travel More, While Spending Less

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

best business travel credit cards airport

Best Business Travel Credit Cards Available Today

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

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

Our thoughts about this business travel credit card:

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

 


Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

Our thoughts about this business travel credit card:

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

 


Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

Our thoughts about this business travel credit card:

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

 


Southwest Rapid Rewards Business Premier

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $3000 in the first 3 months.
REWARDS
You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$99 annual fee.
No foreign transaction fees.
Employee cards at no additional cost.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.

 

Our thoughts about this business travel credit card:

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

 


Amex Business Platinum Card

LEARN HOW TO APPLY >>
INTRODUCTORY OFFER
You’ll earn up to 100,000 Membership Rewards points. 50,000 after you spend $10,000 in the first 3 months, and another 50,000 Membership Rewards after spending an additional $15,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
Earn 50% more points on purchases over $5000. (up to 1 million bonus points.)
BENEFITS
$200 airline credit.
Global Lounge Collection access.
TSA PreCheck or Global Entry
Get 35% back when booking a flight with Membership Rewards on a select airline.
Two $100 statement credits from Dell annually.
1 year of Platinum Global access to WeWork. (enrollment through 2019)
FEES
$595 annual fee.
No foreign transaction fees
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you have many high ticket purchases yearly, this card will earn you a good percentage back. The WeWork membership could be very valuable, if you need a place to work for a year.

 

Our thoughts about this business travel credit card:

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

LEARN MORE >

 


How We Chose the Best Business Travel Cards

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

 

Are You Eligible For a Business Travel Credit Card?

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

 

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

 

Earn More Points Through Category Spend Bonuses

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

vacation from business using points

 

Take More Vacations: It’s Now Possible

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

 

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

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points

jetblue credit card

Barclays has three different offerings when it comes to the  JetBlue credit card. The three options are the basic JetBlue Mastercard, the JetBlue Plus credit card, and the JetBlue Business credit card. While they’re all very similar, they have their own distinct features.

 

Many people are interested in the JetBlue credit card because they like the service JetBlue offers. JetBlue isn’t for everyone, as a low-cost regional airline, but it seems to have an avid fanbase. They also offer a great premium experience on transcontinental and some international flights. They call their premium class Mint.

 

JetBlue Points Value: How Much are TrueBlue Points Worth?

JetBlue has no official award chart because their point prices for flights fluctuate, but TrueBlue points on average are worth about 1.3 cents each. This means to book a flight that costs $400 you’ll typically need around 30,000 TrueBlue points. Compared to other major US airlines they TrueBlue points are below average value.

 

Alaska points are worth 1.8 cents, Southwest 1.5 cents, American and United 1.4 cents and Delta points are worth 1.2 cents each. Just because TrueBlue points are worth less than some other airline points doesn’t mean you can’t get valuable rewards out of them.

 

JetBlue Flight Experience

JetBlue is based out of New York City and flies to 70 destinations including a few in Central America and the Caribbean. It seems that they do the small things to go the extra mile and make customers happy.

 

JetBlue offers complimentary DirecTV and SiriusXM radio, unlimited snacks with multiple options, and they distribute water bottles continuously to keep you hydrated. They hand out warm towelettes toward the ends of flights. If you’re on a redeye flight they even have a sleeping kit waiting on your seat. It includes earplugs and a face mask. Oh, and they have the most legroom in coach of any US airline. Sounds a lot like first class, doesn’t it?

jetblue route map

 

JetBlue Mint Might be the Best Domestic Premium Class

On their transcontinental flights as well as some international flights, JetBlue offers Mint. Mint is what they call their premium class. If you’re flying in Mint class, you’ll receive access to a priority security line, priority boarding, lie-flat seats, an amenity kit, an in-flight entertainment system, and the best domestic meals where you choose 3 out of 5 tapas. Obviously, free alcoholic beverages are served as well. JetBlue Mint is the best domestic premium cabin experience.

 

What Does JetBlue Mosaic Status Get You?

Mosaic is JetBlue’s elite status. They don’t have different tiers like most other airlines. Just one tier called Mosaic that is slightly different than other elite statuses. It offers no fees for flight changes, free checked bags, bonus points, expedited security lines, early boarding, a dedicated customer service line, and free alcoholic drinks onboard. The one thing that Mosaic lacks is free upgrades to Mint.

 

JetBlue Mastercard

10,000 Points after spending $1000 in the first 90 days

jetblue mastercard

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Earn 3X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • No Annual Fee

 

JetBlue Plus Credit Card

40,000 Points after spending $1000 in the first 90 days

jetblue plus credit card

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Free checked bag for you and up to 3 companions on your reservation.
  • $100 Statement credit on a JetBlue Vacations Package.
  • Earn Mosaic Status after spending $50,000 in a calendar year.
  • Earn 6X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • $99 Annual Fee

 

JetBlue Business Credit Card

50,000 Points after spending $1000 in the first 90 days

JetBlue Business Card

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Free checked bag for you and up to 3 companions on your reservation.
  • $100 Statement credit on a JetBlue Vacations Package.
  • Earn Mosaic Status after spending $50,000 in a calendar year.
  • Earn 6X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • Receive 5,000 bonus points each annual account anniversary.
  • $99 Annual Fee

 

JetBlue Credit Cards Review: Should You Get One?

If you’re a fan and regular customer of JetBlue, their credit cards might sound like a good option. The points they earn do offer no blackout dates on reward flights, no point expiration, ability to book any available seat, and sharing points with family pooling. Family pooling is a unique perk that allows up to two adults and five children to combine points. This can come in handy for booking flights when two separate people both have points.

JetBlue points value

 

So the question remains. Should you get a JetBlue credit card? While they may be good options for earning TrueBlue points, they aren’t the best option. A handful of other credit card points can be transferred to your TrueBlue account. Chase Ultimate Rewards, American Express Membership Rewards, and Citi ThankYou points can all be transferred to JetBlue.

 

So, instead of getting a JetBlue credit card, you may want to consider these alternatives. Additionally, these points can also be transferred to other airlines which will give you more flexibility and more options for redeeming points.

 

JetBlue Transfer Ratios:

  • Chase Ultimate Rewards: 1:1 transfer ratio
  • Amex Membership Rewards: 5:4 transfer ratio
  • Citi ThankYou Points: 5:4 transfer ratio

 

The best option for transferring to JetBlue is Chase Ultimate Rewards. They transfer at a one to one ratio. Fortunately, there is an abundance of Chase credit cards that earn Ultimate Rewards. They also happen to have some of the best introductory offers on the market.

 

Comparing the JetBlue Credit Cards to Chase Ultimate Rewards Cards

COMBINE 2 JETBLUE CARDSCOMBINE 2 CHASE CARDS
90,000 POINTS TOTAL
(only on JetBlue)
140,000 POINTS TOTAL
(9 airline partners including JetBlue)
JetBlue Plus Card
40,000 points
Chase Sapphire Preferred
60,000 points
JetBlue Business Card
50,000 points
Ink Preferred Business Card
80,000 points

 

The Best Credit Cards for Earning TrueBlue Miles

Not only do you get more points as an introductory offer, but you’ll also have better opportunities to use the Chase cards to earn points through spending. There are better spending bonuses on more broad categories. The biggest benefit of getting a Chase card instead of a JetBlue card is the fact that you can transfer your points to 8 other airlines other than JetBlue. When flying it’s best to have options.

 

Chase Ultimate Rewards Transfer to JetBlue

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
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.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM 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.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

COMPARE ALL CHASE CREDIT CARDS: COMPARE >>

 

American Express Membership Rewards Transfer to JetBlue

Amex Gold Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 35,000 Membership Rewards points after you spend $2,000 in the first 3 months.
REWARDS
You’ll earn 4X points at restaurants globally, and US supermarkets. (up to $25k in purchases per year) You'll also earn 3X on AmexTravel.com
BENEFITS
Get $10 in statement credits per month for purchases at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House.
$100 airline fee credit on selected airline.
No foreign transaction fees.
FEES
$250 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you spend a lot of money on food and travel, this card will be worth the annual fee. If not, it probably isn't worth paying $250 per year.

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

 

COMPARE ALL AMERICAN EXPRESS CREDIT CARDS: COMPARE >>

 

Citi ThankYou Points Transfer to JetBlue

 

In conclusion, if you’re looking to earn TrueBlue points to fly on JetBlue you’ll want to take a look at more than just the JetBlue credit cards. It very well could make sense for you to instead get a Chase, American Express, or Citi card. Then you can transfer your points to JetBlue when needed, or transfer to other airlines.

American Express Business Gold Card Review: Earn 4X on Big Expenses

amex business gold card review
AMEX Business Gold Rewards Credit Card

Amex Business Gold Card

35,000 points after spending $5,000 in the first 3 months

$295 Annual Fee

LEARN HOW TO APPLY >>

There are so many different options for business credit cards on the market now. If your business is in need of a good everyday type of credit card, then you will have a lot to consider. You can try to find a credit card that will offer you various beneficial perks while also giving you good rewards potential. It is simply important to try to find a card that matches up with the categories that your business spends money on frequently. One option that has been increasing in popularity since its 2018 launch is the American Express Business Gold Card.

 

This is a credit card that gives cardholders access to a robust rewards system. It even has some flexibility that many other similar business credit cards do not. It has proven to be a useful credit card for many businesses so far, but is it the right one for yours?

 

Join us as we take an in-depth look at what the American Express Business Gold Card has to offer. This will give you all of the necessary information to decide if it is worth your time. We will examine the rewards program from every angle while also telling you about the fees that you should expect to pay. You will know beyond a shadow of a doubt whether this credit card is good for your business or if it is just another one that you should ignore.

 

American Express Business Gold Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 35,000 Membership Rewards after spending $5000 in the first 3 months.
REWARDS
You’ll earn 4X points on 2 select categories that your business spent the most on each month. ($150k limit per calendar year)
BENEFITS
Get 25% points back after you redeem points for an eligible flight booked through Amex Travel.
1 year free subscriptions to G Suite Basic for up to 3 users and Zip Recruiter Standard.
Pay over time on purchases of $100 or more.
Access expense management tools like Quickbooks and SpendManagerSM.
Additional employee cards at no cost.
FEES
$295 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
If your business spends a lot of money and takes advantage of the included tools, this card can pay off big. Especially if you use your points to book flights on Amex Travel. Also, the introductory offer is substantial.

 

American Express Business Gold Card Fees

One thing that you need to be aware of right away is that this credit card comes with an Annual fee. It has an Annual fee of $295.00. This might seem quite high to you, but it is not too bad when you factor in the rewards potential of the card. Even so, you will need to make good use of this card to make up for the fee. If you would prefer a credit card that has no Annual fee, then you should know that there are business credit card options that will be more suitable for you.

 

The American Express Business Gold Card has no foreign transaction fees, though. This is a huge benefit for any business that needs to travel outside of the country semi-regularly. If you use the credit card to help pay for travel expenses, then you will be able to use it while abroad without having to worry about fees. Whenever you are able to keep foreign transaction fees at bay, it is going to be considered a good thing.

 

The late payment fee for this credit card is set at $38.00 or 2.99%. You will be charged whichever winds up being greater. The returned payment fee is also set at $38.00. This is pretty standard and should not impact your decision to sign up for the credit card one way or the other.

 

Overall, the fees associated with this credit card are not too bad. It has an APR that falls within normal ranges and you should not have a tough time making use of this card once you have it. If you have been looking for a card that will be easy to use for everyday business expenses, then this may fit the bill. Some of that will depend on the bonus categories that you select for your rewards program, though. We will be discussing the rewards program for this credit card in detail later on.

american express business gold card

 

Features of the Amex Business Gold Card

One interesting thing to note about this credit card is that it does not offer a very traditional welcome bonus. Instead of being granted an opportunity to earn rewards points, this credit card comes with one year of free access to ZipRecruiter standard and G Suite basic. This is good for up to three users and is said to have a value of over $3,000.00. If you can make use of these programs effectively, then it may be an offer that is even more enticing than rewards points.

 

One nifty perk that business owners will love about this credit card is that it does not have a charge limit. This means that you can make large purchases with this card without it being a big deal. All purchases are approved on an individual basis and there is no set credit limit. You do not have to worry about maxing out the credit card and having any negative repercussions. It makes spending the money that you need to spend on your business as easy as it can be.

 

You can also get a bunch of employee cards if you need them. There is an option to choose to pay $50.00 per year to have up to 99 employee cards created. The fee is even waived for the first year, making this an even more convenient benefit. When you need to empower certain employees to make purchases for your business, this is a perk that is going to come in handy.

 

It is also possible to get some help with paying down your credit card debt, too. If you purchase a costly item and need to pay this over time, then you can have it designated as a “pay over time” item. This will set it up so that you can continue to pay on these items over time at a certain APR. There is a limit to how much you can charge on the card while still having items set as “pay over time” items. Once you reach this cap, every item charged to the credit card will be classified as a “pay in full” item.

 

The items that you designate as “pay in full” items will accrue no interest due to you paying off the balance every single month. Purchases on the card that are less than $100.00 are automatically designated as “pay in full” items. Unless you specifically designate an item as “pay over time,” all of your purchases are going to be considered “pay in full” items. It is not really that complicated to understand, but it is something that you should know about the credit card before moving forward.

 

Rewards Program Info

Of course, the rewards program is a very important part of this credit card. You are going to be able to earn 4X rewards points on your top two spending categories every month. There are some categories that allow you to choose your bonus categories out of a list. You actually do not even need to do that here, as the spending totals are simply calculated for you.

 

If you spend the most money on US restaurants in one month, then that will be one of your 4X bonus categories. Next month you may not spend that much on restaurant purchases, so your 4X bonus categories will change. It fluctuates with your spending habits to always give you 4X bonus points on the categories that are going to help you to profit the most. It is a pretty intuitive system that allows you to simply spend money as normal while earning rewards.  

 

There are six eligible categories that you can spend money in that will work for the 4X bonus points. These categories are US restaurants, US gas stations, US shipping purchases, US technology provider purchases, US advertising purchases, and airfare purchased directly from airlines. All of these categories are fairly common spending categories for many large businesses. If your business does not spend a lot of money in any of those categories, then it is not likely that this credit card is the one for you.

 

All other purchases outside of these categories will be earning you rewards points at a 1X rate. This is not fantastic, but it is better than earning no rewards. Also, you need to keep in mind that you will only be earning he 4X rewards on your top two categories each month. This means that you will only be earning the 1X rate on the remaining four bonus categories.

 

There is a spending cap that you need to be aware of, too. Once you spend $150,000, you will no longer be earning the bonus points. If you do manage to reach the cap, then you will be earning a hefty sum of bonus points. Businesses that spend enough money can turn this credit card into a very lucrative one, so it will just depend on how much money you spend per year on things for your business.

 

Redeeming your earned rewards is very simple and intuitive. All of the rewards points that you earn are fully transferable over to the 21 American Express partner programs. This means that you can redeem rewards points for things, such as flights and hotels, very easily. It allows businesses to mitigate any travel expenses with ease.

 

It is also possible to use your points really intelligently to increase their value. If you book your flight through Amex Travel with your earned points, then you can receive 25% of your points back. This makes your points exceptionally valuable and you will be able to use this to make travel expenses less of a burden. It is perfect for businesses that have to travel a lot, so it may or may not fit in well with your needs.

 

The Pros

  • No foreign transaction fee
  • Flexible rewards program
  • Very easy to use

 

The lack of foreign transaction fees is particularly nice with this credit card. Being that the best way to use your earned rewards points is to travel, it makes sense that this card would not penalize people for using the card while abroad. This should make it easier to get out of the country on business without having to worry about being charged fees for using the company credit card. No foreign transaction fees certainly help the appeal of this card with certain people.

 

The flexibility of the rewards program is also quite nice. It offers you the ability to earn bonus points in several different categories. Out of the six available bonus categories, you will automatically receive 4X points on your top two most-used categories. This makes it easy to profit without having to take the time to micromanage everything.

 

This card is so easy to use that it is astounding. Many comparable rewards credit cards for businesses make things a lot more difficult. This is always going to feel like a streamlined experience. You do not have to do too much to profit from using this credit card, so long as you spend enough money to justify signing up.

amex business gold card

 

The Cons

  • Annual fee
  • The introductory offer may not be useful to some businesses
  • This card works best for large businesses

 

The Annual fee is not overly high, but it is something that will annoy smaller businesses. Many comparable credit cards have Annual fees that are much lower than this. Some credit cards in the same tier even avoid Annual fees altogether. If you are the type of person who gets annoyed by Annual fees, then this card may not be the right one for your business.

 

Also, the welcome bonus may not be useful to every business out there. Getting access to software programs for a year can be very useful for some people. For many businesses, this software is not going to be necessary. It means that the welcome bonus is only really going to be helpful to a certain percentage of businesses that are looking into this credit card.

 

You need to know that this credit card really works best for large businesses, too. If you are a smaller business, then you may not spend enough money to justify this credit card. There are other business credit cards that may meet your needs better. This card does have great potential when it comes to helping you earn rewards, but a lot of that depends on your spending habits. You have to spend the right amount of money per year for the math to make this credit card seem worthwhile when compared to other options.

 

Credit Score Needed for Approval

You are going to need to have a pretty good credit score just to qualify for this credit card. The recommended credit score is 690 or higher. This means that those who have excellent credit should be able to get this credit card easily. If you are concerned about whether your credit score meets the requirements, then you should take the time to check your score before applying, just to be on the safe side.

 

Who Does the American Express Business Gold Card Appeal to Most?

This credit card has the potential to appeal to several demographics. The simple fact that the rewards program allows you to make your own choices in some areas makes it a bit more attractive for some businesses. You will be able to use bonus categories and these are going to appeal to several different types of businesses. Whether you are running some type of office or if you operate a hardware store, this credit card may prove to be beneficial.

 

It should be said that this credit card does tend to appeal more to larger established businesses. Small businesses will certainly be able to make use of the credit card, but businesses that are large enough to have their own buildings will likely make better use of the card. Businesses such as this are more likely to be able to benefit from the rewards program through more frequent spending. Very small businesses may not be able to justify that Annual fee quite so easily.

american express business gold card team

 

An Alternative Card to Consider

The Ink Business Cash credit card from Chase is a very good alternative option to consider. It offers you a good rewards program that does not have rewards categories that will change on you. For some people, a more predictable rewards program such as this is going to be the superior option. This card also has no Annual fee, so it makes it a lot simpler to decide to sign up for it.

Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Ink Business Cash.

 

Another good reason to consider the Ink Business Cash credit card is that it has a good introductory APR for both purchases and balance transfers. This adds a bit of utility to the credit card and might give it a clear edge in some people’s eyes. Whether this is the better option or not will come down to your personal preference. Either way, this is a good credit card that deserves some attention and you may want to consider signing up for it.

 

Decision Time: Is the Amex Business Gold Card Card Right for You?

Any types of larger companies that want a card that is easy to use will be happy with this option. The American Express Business Gold Card does have a lot to offer businesses. There are some credit cards on the market that offer higher rewards potential for businesses, but many of them are much more complicated. This is a credit card that manages to offer some flexibility while still keeping things simple.

 

Whether or not this credit card will be right for your business comes down to how you are going to use it. Is your business large enough to take advantage of this credit card properly? Does the Annual fee scare you off or make you pause? If you can answer these questions honestly, then you should be able to make a simple decision about whether or not this credit card will work out for your business.

 

If your business spends a lot of money, then it is possible that the American Express Business Gold Card may be the credit card that you have been waiting for. It will work for you very easily and can help to make your rewards experience as good as possible. If you can hit those 4X bonus categories enough, then this is a very good card to have in your wallet. Take a look at the details for this credit card and then weigh them against the needs of your business before making your final decision.

AMEX Business Gold Rewards Credit Card

Amex Business Gold Card

35,000 points after spending $5,000 in the first 3 months

$295 Annual Fee

LEARN HOW TO APPLY >>

Chase Sapphire Reserve 100k Offer: It’s Gone But Still Offers All This…

chase sapphire reserve 100k

chase sapphire reserve card art new

Chase Sapphire Reserve

50,000 points after spending $4,000 in 3 months

$450 Annual Fee

LEARN HOW TO APPLY >>

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

 

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

 

Chase Sapphire Reserve: 100k  50k Signup Bonus

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

 

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

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
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.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM 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.

 

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

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

 

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

 

Redeeming Ultimate Rewards through Chase Transfer Partners

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

 

Ultimate Rewards Airline Transfer Partners

 

Ultimate Rewards Hotel Transfer Partners

 

Earn Spending Bonuses on Travel and Dining

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

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

 

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

sapphire reserve 100k

 

Chase Sapphire Reserve $300 Travel Credit

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

 

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

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

 

Lounge Access is the Best Benefit of the Sapphire Reserve

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

 

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

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

Some lounges also have a few extra perks.

  • Showers
  • Conference Rooms (subject to a fee)

 

chase sapphire reserve 100k points

 

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

 

Don’t Forget About the Chase 5/24 Rule

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

 

Chase 5/24 Rule FAQ’s

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

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

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

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

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

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

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

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

 

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

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

 

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

 

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

chase sapphire reserve card art new

Chase Sapphire Reserve

50,000 points after spending $4,000 in 3 months

$450 Annual Fee

LEARN HOW TO APPLY >>

Marriott Bonvoy Boundless Credit Card Review: Earn More Reward Nights

marriott bonvoy boundless credit card review

marriott bonvoy card art

Marriott Bonvoy Boundless

75,000 points after spending $3,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

When you travel quite a lot, it makes sense to want to improve your overall experience. If you have the right travel credit card in your wallet, then it will be possible to make traveling that much more pleasant. You can earn rewards for certain things and will even be able to enjoy good perks. Figuring out which travel credit card to sign up for may be a bit tricky, though.

 

If you stay at hotels a lot, then a hotel-based travel rewards card is very sensible. The Marriott Bonvoy Boundless credit card is one of the premier cards on the market that people have been buzzing about. If you need a great credit card that will help your hotel experience to be that much nicer, then this one might fit the bill. There are many other options to consider though, so how can you be sure that this one is worth your time?

 

We are here to do the important research for you so that you can make the right decision. Today we are going to be taking a close look at the Marriott Bonvoy Boundless credit card to see what it has to offer consumers. If you keep on reading, then you will be able to get into everything that this card does well while also looking at areas where it might be lacking. Making a smart decision about which travel credit card to apply for will be much easier when you arm yourself with information.

 

Marriott Bonvoy Boundless

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 75,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 6X points per dollar spent at Marriott hotels, and 2X points on all other purchases.
BENEFITS
One free night award (up to category 5) every account anniversary.
Automatic silver elite status with Marriott Bonvoy
Gold status after spending $35k
15 elite night credits each calendar year.
FEES
$95 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer is just ok, as it will earn you enough points for two free nights at a category 5 hotel. The free night award each year for $95 is well worth it if you can use it on an otherwise expensive night.

 

Marriott Bonvoy Boundless Credit Card Fees

One excellent benefit of signing up for this credit card is that you will not have to be concerned about foreign transaction fees. This is really good for when you want to use your credit card while traveling outside of the country. If you travel outside of the United States from time to time, then you can at least feel comfortable knowing that you will not be blindsided by fees for using your card. It makes things that much more convenient for you.

 

There is an annual fee that is associated with this credit card, though. The annual fee falls within reasonable ranges as well, so it is not going to keep you from wanting to sign up or anything. You will be paying $95.00 per year to use this credit card. This falls in line with many other comparable travel and hotel credit cards, so it should not come as a surprise in any way.

 

The other associated fees with this card also fall within standard ranges. You can expect a balance transfer fee of 3% with a minimum fee of $5.00. The cash advance fee is also set at 3% with a minimum of $5.00. Both late payment and returned payment fees are going to be up to a maximum of $38.00.

 

Features and Benefits of the Marriott Bonvoy Boundless

The features of this card are actually going to help you to make signing up feel worthwhile. Some credit cards have features that are just sort of there, but this card has some truly nice perks for you to enjoy. Right away you will notice that there is a sizable welcome bonus opportunity. If you spend a certain amount of money within the first three months of opening your account, then you will be able to get a large sum of rewards points for your trouble.

 

The introductory offer completely justifies the annual fee that you have to pay, so long as you are able to earn the bonus. The points that you earn will easily be worth more than the cost of the annual fee. You will also be able to enjoy a free night stay at a category 5 Marriott hotel or resort, earned on every account anniversary. Being awarded a free night to use at one of the luxury hotels on the list will be very nice. You can look forward to this perk every single year and you can use it as you see fit.

 

One of the best reasons to sign up for this card is actually that it grants you automatic silver elite status with Marriott. This basically means that you will get access to a special reservation line, late checkout options, and a 10% rewards point bonus on your Marriott purchases. It makes it even easier to earn free nights and other lucrative rewards while staying at the Marriott.

 

You will also be able to qualify for Marriott Platinum status easier when you have this credit card. You will receive 15 elite night credits per year, which helps to lower the threshold for Marriott Platinum status from 50 to 35 nights per year. Being able to make use of simple practical perks such as this helps to give this credit card a lot of value. It will be very simple for anyone who stays at the Marriott regularly to use this card properly.

marriott bonvoy boundless hotel

 

Rewards Program Info

The rewards program is going to be very helpful for people who stay at the Marriott a lot. You will be able to earn 6X points per $1.00 spent at participating Marriott Bonvoy hotels. This can really add up quickly and will give you many rewards points to help alleviate some of your travel costs. Those who stay at hotels multiple times per month will really wind up benefiting from this rewards program.

 

It is also possible to earn rewards on all of your other purchases, too. You will be earning rewards at a 2X per $1.00 spent rate for your other miscellaneous purchases. Being able to earn a pretty good amount of rewards for your everyday spending is actually very welcome. Most cards of this tier will not offer rewards at an increased rate for items outside of special categories, so this can be a decent everyday credit card if you need to use it for that.

 

Redeeming points is going to be a simple process as well. You will be able to redeem the points that you have earned to get free hotel visits. It will always be easy to set up hotel stays and pay for them with your earned rewards points. You will not be limited to having this as your only redemption option, though.

 

Cardholders can also choose to redeem their points by transferring them over to certain partner programs. One of the most popular options is to transfer points over to an airline. This means that you can use your rewards to easily pay for airfare if you are in need. You can even transfer points to some airlines that are not seen as often as transfer partners for credit cards, so these points transfer options become very interesting.

 

The Pros

  • Great rewards potential
  • Easy to redeem rewards
  • Many transfer partners
  • Automatic silver status
  • No foreign transaction fees

 

The great rewards potential of this credit card definitely helps it to stand out from the competition. Being able to earn 6X rewards points on your Marriott hotel purchases is fantastic overall. The fact that Marriott has over 6,000 hotels and hotel partners around the world makes it easy to take full advantage of your credit card. If you travel often enough, then you are absolutely going to rack up many rewards points over time.

 

Redeeming rewards is always very simple when you use this credit card, too. You will be able to redeem your earned points toward hotel stays whenever you want to. Setting up hotel stays is always fast and you can count on the Marriott staff to give you great treatment. If you simply want a card to help alleviate some of your hotel costs, then this rewards card can help you out in that way.

 

There are so many transfer partners to take advantage of, too. If you are planning on using your rewards points to transfer over to airline partners, then you will have many options. There are more than 30 airline partners that work with this credit card program. You will definitely be able to transfer miles over to a major airline and will be able to use them to plan your next big trip effectively.

 

The automatic silver status of this credit card really helps to make it worthwhile, too. If you stay at the Marriott often, then simply gaining this status may be enough to make it worthwhile for you to sign up for this card. You will be able to get 10% more rewards on your Marriott stays and will be given various other perks, too. It gives you some preferential treatment while also putting you on the fast track to earning even loftier status in the Marriott loyalty program.

 

A lack of foreign transaction fees is also very helpful. When you travel abroad somewhat frequently, you want to be able to avoid those pesky foreign transaction fees at all costs. This credit card makes it so that you can use the card outside of the country without worrying about repercussions. It just makes things more convenient for you and that is always a good thing.

 

The Cons

  • Annual fee
  • APR is a little high
  • Could use a few more luxury perks

 

The annual fee is not too high, but some people will still dislike that it is there at all. If you are dead set against paying any type of an annual fee, then you may want to look into other options. The fee is only $95.00 and you will earn rewards that will completely overshadow the annual fee in a short amount of time. Try not to worry too much about the fee if you travel fairly frequently, as it will not matter all that much at all in the long run.

 

You could say that the APR is a little bit high on this credit card, though. There are certainly options on the market that have a lower APR than this credit card. You should likely avoid balance transfers on this card, as well, as it will simply not be cost effective. There is no introductory APR or anything of that nature, so you will be dealing with the regular APR from the very beginning.

 

Some people may think that this credit card could use some more luxury perks as well. There are several good perks, but there may not be quite enough to entice certain people. If you are looking for a true luxury travel credit card, then you may need to start perusing options with higher annual fees. Otherwise, this card does offer great value for the tier that it is at.

marriott bonvoy boundless card

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require having a very good credit score. To have the best chances of approval, you should ensure that your credit score is 690 or higher. Those with even slightly lower scores are unlikely to be approved for this card. Anyone with an excellent score has a great chance of being approved, so do your best to check your current credit score before you decide to apply.

 

Who Does the Marriott Bonvoy Boundless Appeal to Most?

The Marriott Bonvoy Boundless Credit Card appeals to people who travel often enough to justify keeping it around. If you are the type of person who goes out on business trips or vacations very often, then having a travel credit card is sensible. This is going to improve your overall experience while you are out on the road. It is a card that can justify having an annual fee by offering you a superior hotel experience.

 

You will also want to be a person who is loyal to the Marriott hotel brand. If you are the type of person who prefers to just look for the best deal at any town you are traveling to, then this is likely not for you. To make the most of this card, you need to stay at the Marriott hotel every time you go somewhere. If you visit Marriott hotels or its affiliated properties often enough, then this credit card becomes a very sensible option that will earn a spot in your wallet.

 

This credit card will also appeal to anyone who wants to earn points that can be used toward purchasing airfare. This program has many partner airlines that will allow you to transfer points over to their system. This helps you to book flights with various major airlines and can make your travel experience that much easier. Your rewards can be used to pay for both airfare and your hotel stays if you have enough points.

 

An Alternative Card to Consider

If you are looking for a safe alternative to consider, then you may want to think about the Chase Sapphire Preferred Card. It is a credit card that has proven itself as a valuable travel credit card for many people. It can offer you 2X rewards points for every $1.00 spent on travel and dining. All other purchases earn you rewards at a 1X rate.

chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Sapphire Preferred.

 

This card helps you to earn points that can be transferred to various partner programs. In fact, the points can even be transferred over to the Marriott. It has a good introductory offer that will appeal to you and has the same annual fee as the Marriott Bonvoy Boundless credit card. The Chase Sapphire Preferred Card waives the annual fee for the first year, though.

 

Whether or not this is going to be a better credit card for you than the Marriott Bonvoy Boundless credit card comes down to personal preference. If you are a truly loyal Marriott customer who travels a lot, then you may prefer the Marriott-branded card. You just want to make sure that you are going to be able to use the card to its full potential before you sign up. Both of these credit cards are great for people who travel regularly, so they are well worth comparing to one another to see which fits your needs the best.

marriott bonvoy boundless review

 

Decision Time: Is the Marriott Bonvoy Boundless Right for You?

Signing up for the Marriott Bonvoy Boundless credit card is going to be a good idea for many people. It can improve your overall experience at Marriott hotels and will also be beneficial at many other Marriott-affiliated sites. If you travel all the time and stay at hotels regularly, then this will be among the most practical credit cards in your wallet. Using this credit card to its full potential will help you to earn beneficial rewards while allowing you to enjoy some pretty great perks.

 

There are other options on the market for those who do not like being tied down to one hotel chain. If you are not ready to commit to the Marriott brand of hotels, then this card may not be the one for you. Even so, it is easy to see the overall appeal of this credit card. It can give you a superior traveling experience and will give you more than enough perks to justify that annual fee.

 

Consider signing up for this credit card if you think that you will make use of it often enough. This credit card is more useful for regular travelers than it will be for those who only travel infrequently. For the regular visitors to the Marriott hotels, this credit card is a truly great thing. It comes highly recommended for offering cardholders good perks and a solid rewards experience.

marriott bonvoy card art

Marriott Bonvoy Boundless

75,000 points after spending $3,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited

chase ink cards

First off, I’ve got a few questions for you… Do you have a business? Ok, do you have a good credit score? Now, our last question… do you enjoy saving money? FANTASTIC! I’m going to take a guess, and say that you’ll like what the Chase Ink cards have to offer.

 

There are three Chase Ink cards offered. Two no annual fee credit cards and one premium card with a small annual fee. The three Chase Ink cards are the Ink Business Preferred, Ink Business Cash, and the Ink Business Unlimited. They all are built with business owners in mind. Each of the cards has it’s own distinct features and benefits. They’re all great credit cards to have for your business, whether it’s big or small, seasoned or just launching.

 

One of the best parts about the Chase Ink cards is that they all offer excellent introductory offers. After meeting the minimum spend, each of the Chase Ink cards offers enough Chase Ultimate Rewards to really make a difference. While two of the cards are advertised as “cash back” cards, they actually earn the same Ultimate Rewards points that have the potential to be used for things like travel.

 

Let’s get to it and take a look at the Chase Ink cards.

 

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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

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

 

What Does the Ink Preferred Offer?

The Chase Ink Business Preferred card is the premier business card of the Chase portfolio. It’s the only card of the three that has an annual fee but also comes with a better introductory offer. In fact, the cards introductory offer is considered by us at Travel Freedom, to be the best of any credit card offered by all banks.

 

Along with the large introductory offer, the Ink Preferred comes with some nice rewards. The card earns 3X points on an assortment of useful categories. It’s one of the only cards that offer reward points for online advertising purchases. It also comes with purchase and travel protections that can save you a lot of money in certain circumstances.

 

Let’s take a closer look at the features of the Chase Ink Preferred.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

What Does the Ink Cash Offer?

The Chase Ink Cash is a no-fee business card that still has a high introductory offer. It’s rare to see a card with an introductory offer that can be worth up to $1000 or more to not have an annual fee.

 

The Ink Business Cash a great card that you can hold onto forever without having to pay fees. It’s also great for earning rewards. It has some of the most generous rewards categories as well.

 

With the Ink Business Cash, you will earn 5% on purchases made on internet service, phone, and cable as well as purchases from office supply stores. On top of those 5% categories, the card also earns 2% on gas and dining. Both the 5% and 2% categories have caps on earning, but it’s high at $25k for each of the two groups.

 

The Ink Business Cash is the first business card I ever applied for. I got it because it has a good introductory offer, it’s good for earning rewards, and it has no annual fee. Also, if you have a primary Chase Ultimate Rewards credit card (Sapphire Preferred, Sapphire Reserve, or Ink Preferred), you are able to transfer your points to those card accounts for more valuable redemptions. This makes the Chase credit cards work well together to earn better travel rewards.

 

Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

What Does the Ink Unlimited Offer?

Like the Ink Cash card, the Ink Business Unlimited has a high introductory offer. It also does not have an annual fee associated with it. These two cards are some of the best introductory offers without having to pay an annual fee.

 

Where it differs from the Ink Cash is how it earns rewards. The Chase Ink Business Unlimited is all about simplicity. It earns 1.5% back on all purchases with no limit. This card is great if you won’t be able to take advantage of the 5% categories from the Ink Cash card because you’ll get 1.5% on everything no matter what it is.

 

Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

The Chase Ink Cards Earn Ultimate Rewards

Chase Ultimate Rewards are arguably the most valuable reward points of them all. We value Ultimate Rewards at 2.0 cents per point.

 

Why does Travel Freedom value them higher than Chase does?

 

Well, their valuations come from using the Chase travel portal, which gives a straight up value of 1.0, 1.25, or 1.5 cents per point depending on the card account you redeem your points on. For instance, the Ink Preferred card or the Sapphire Preferred card allow you to redeem points in the travel portal for 1.25 cents per point. The Sapphire Reserve, the most premium card that Chase offers, allows for redemptions of 1.5 cents per point in the travel portal.

 

Every other Chase Ultimate Rewards card has a redemption rate of just 1.0 cents per point through the travel portal. That doesn’t mean it’s the best you can do, because you’re able to transfer Chase Ultimate Rewards between accounts. So, if you have a Ink Cash and a Sapphire Reserve, you can earn points with the Ink Cash and transfer them over to your Sapphire Reserve account to either get a better redemption in the travel portal, or have access to Chase travel transfer partners.

 

We like to take into consideration that it’s possible to redeem your Chase Ultimate Rewards for much higher values by converting your points to hotel or airlines through the Chase transfer partners. There are 9 airline partners and 4 hotel partners that you can transfer your points to at a 1:1 ratio. This allows you to take advantage of good rewards rates with certain programs to get a value of 2.0 cents per point or more. The transfer partners are also only available to Sapphire Preferred, Sapphire Reserve, and Ink Preferred card accounts.

 

Chase Ultimate Rewards Redemption Rates

*Ink Business Preferred: 1.25 cents per point (also has transfer partners available)

Ink Business Cash: 1.00 cents per point (can transfer points to another card account)

Ink Business Unlimited: 1.00 cents per point (can transfer points to another card account)

 

Let’s Compare the Chase Ink Cards

Best Introductory Offer

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Preferred.

 

Best for Earning Rewards

Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Cash.

 

Best for Simplicity

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Unlimited.

 

Best for Redeeming Points

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

 

Which of the Chase Ink Cards is Best For You?

Each of the Chase Ink Business cards is a good choice. They all have slightly different offerings that may suit your needs better. If you’re looking for the most points right off the bat, you’ll want the Chase Ink Preferred. If you purchase a lot at office supply stores, the Ink Cash will be best. But, if you’re just looking for simplicity in your rewards, the Ink Unlimited might be just right.

 

Whatever it is that you’re looking for in a small business credit card, the Chase Ink Business portfolio has you covered. It might even make sense to have two or all of the cards to cover your different types of purchases, plus earn a bunch of Ultimate Rewards through the introductory offers.

 

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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

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

First Premier Credit Card Review (BONUS: 3 Alternative Credit Cards)

first premier credit card review

If you’ve got bad credit, you may search the market for a credit card that can improve your score. One of the credit cards that you may come across in your search is First Premier credit card. First Premier Bank Mastercard Credit Card is one of the cards designed for consumers with bad credit. However, the cost of carrying this card is very high.

 

If you’re interested in knowing whether the First Premier Bank Mastercard Credit Card deserves a place in your wallet, read this comprehensive review detailing the APR, costs, and fees, and pros and cons of the card.

 

First Premier Bank Mastercard Credit Card

First Premier Bank Mastercard Credit Card isn’t a great deal for those with a so-so credit score. You’ll be required to pay $25 to $95 fees for processing if you’re approved for the card. Then, you’ll have to deal with an annual fee for the first year that could range from $75-$125 depending on your credit line. The starting credit line on the First Premier credit card ranges from $300 to $1000. This greatly reduces your spending power. Such a low amount combined with burdensome fees wouldn’t do you any good when you’re hit with unexpected expenses like home repairs, medical procedures, etc.

 

Not only that but First Premier Bank Mastercard Credit Card comes with a 36% APR (regular). That’s a very high-interest rate and you could sink into debt if you don’t pay off your balance on the credit card every month.

 

Pros of First Premier Credit Card

Spending Power

While looking for ways to remedy your bad credit, you may consider getting an unsecured card to buy something that you can’t afford to pay for in cash. That’s where First Premier credit card provides assistance. Assume that you’re approved for the card and are required to pay $25 after approval and a $79 in first-year fee for a 1,000 starting credit line. This will leave you with $896 in total spending power ($1000-$79-$25= $896). The monthly fees will not be waived so you’ll pay $8 monthly fee in the first year and in the second, it’ll increase to $10.4.

 

first premier credit card

 

Cons of First Premier Credit Card

Processing Fee

As discussed earlier, all those who’re approved for the First Premier credit card must pay a processing fee that could range from $25-$95. This could affect your spending limit and if you aren’t able to pay this fee within 85 days from the date of approval, First Premier will terminate your account.

Annual Fee for the First Year

The annual fee for the first year could be high – as much as $125. More specifically, if you are approved for the First Premier credit card with a $500 starting credit line, you’ll be required to pay $125. For $400, you must pay $100, for $600, $700 and $1000 you’ll be charged $79, and for $300 you’ll be required to pay $75 annual fee.

36% APR (Regular)

The main reason people with bad credit get unsecured credit cards is to finance unexpected expenses. So, you’ll probably be carrying a balance on the card every month. Unfortunately, this will prove to be extremely expensive for you with First Premier credit card because of the incredibly high 36% APR.

5% Fee on Cash Advances

If you tap into the credit line of your First Premier credit card at an ATM, you’ll have to pay 5 percent of the total amount withdrawn in cash advance fee. Interest will start accruing at 36% APR.

Foreign Transaction Fee Is 3%

If you charge international travel and/or spending on your credit card, you’ll have to pay a 3% fee for the foreign transaction.

No Rewards

There are no rewards or cash backs on First Premier Bank Mastercard Credit Card. There isn’t any introductory 0% APR special financing options either which means you can’t avoid the interest rate on the card if you finance your purchases with it.

 

First Premier Credit Card Login Information

You can access your credit card account online at https://www.mypremiercreditcard.com/. Payments can be made online, over the phone, or by a variety of other options. You can also sign up to receive real-time alerts to your email address or mobile phone. A mobile app is also available to manage First Premier credit card.

 

Should You Get a First Premier Credit Card?

We don’t recommend a First Premier Mastercard Bank Credit Card to you even if you’ve got poor credit. There are four reasons for that. First is that the card is very expensive. The processing fees could be from $25 to $95. The annual fee charge could be $75 to $125 for the initial year and then $45-$49 each year. Most of the other credit cards neither charge a processing fee nor an annual fee. This means that First Premier Mastercard Bank Credit Card is expensive compared to other credit cards.

 

The second reason is that this card offers very little payoff. The credit limit could be from $300 to $1000, depending on your creditworthiness. But, you won’t have the entire amount at your disposal. Given the high fees of the First Premier Mastercard Bank Credit Card, you may end with very little spending power.

 

The third reason is that the 36% APR of First Premier Credit Card is very high. If you carry a balance on your card, you’ll end up paying handsomely in interest. Moreover, your borrower power will keep decreasing as you continue carrying a balance on the credit card because of the monthly payments, annual fee, and high-interest rate.

 

The fourth reason we don’t recommend First Premier Bank Mastercard credit card is that there are much better alternatives available. Regardless of your need, you could qualify for better credit cards than the First Premier credit card. If you want to use a credit card for rebuilding your credit, you would be better off with a card that doesn’t charge an annual fee.

 

Alternatives for You to Consider

A good alternative that you could consider for rebuilding your credit is Capital One Secured Mastercard. This card comes with a $0 annual fee. There are no rewards and no introductory APR offer but it still is a good option for credit building since you won’t be paying an annual fee.

Learn More >>

 

Our Last Thoughts on First Premier Credit Card

In a nutshell, First Premier Mastercard Credit Card isn’t the best option for rebuilding credit. The high fees and interest on the card can prove costly for you. Moreover, the card offers vary little payoff. So, before you apply for this credit card, search the market for better alternatives. You should only get it when you can’t qualify for a better credit card.

3 Alternative Credit Cards to Consider

This is not the only credit card aimed at people with a subprime credit score. There are some other options you should consider that may suit your situation better. The credit cards below are a few of our favorites, especially if you’re looking to rebuild your credit score through responsibly making your payments. The middle card even earns rewards which should offset the annual fee of the card.

 

 Poor Credit AlternativeFair Credit AlternativeLimited/No Credit Alternative
Milestone Unsecured
Capital One Quicksilver One
Capital One Platinum
RewardsNo rewards1.5% cash back on all purchasesNo rewards
Annual FeeSee terms$39$0
Extra PerksQuick pre-qualification that won't hurt your credit score.

Free custom card design.

Free online account access.

Previous bankruptcy OK.
Access a higher credit line after making your first 5 on-time monthly payments.

Free credit monitoring.

$0 Fraud liability.

Access a higher credit line after making your first 5 on-time monthly payments.

Online banking.

Pay by check, online, or at a local branch.
Best for People Who...Have bad credit and need help to strengthen it through responsible use.Need help to strengthen their credit through responsible use. Also earns rewards.Need help to strengthen their credit through responsible use.
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer to get travel credit cards for ourselves. We also know that travel credit cards are not available to all credit score levels. With anything less than a good credit score it will be hard to be approved for a travel card. Any of these cards will be beneficial in rebuilding your credit so that you’ll have the option in the future of what card type to get. After your credit is good, you’ll have the opportunity to be approved for valuable travel rewards or cash back cards.

 

Good luck on your road back to good credit. It’s great that you’re looking to improve your credit score and the way you live.

Firestone Credit Card Review (BONUS: 3 Better Alternative Credit Cards)

A vehicle is prone to break downs and sometimes there isn’t anything you can do to prevent that. Since it’s your safety and the safety of your family on the line, vehicle maintenance and repair isn’t optional, it is a must. Depending on the make, model and age of your car, even routine vehicle checks, and maintenance can prove to be costly. If you aren’t prepared, car repairs can derail your budget and make it hard for you to manage other important expenses. Fortunately, if you’re a frequent Firestone customer, there is a Firestone credit card.

 

The Firestone Complete Auto Care credit card may make it easier for you to cope with unexpected vehicle-related expenses. If you always have your car serviced by Firestone, you could consider getting their credit card. To help you decide whether Firestone Complete Auto Care card deserves to be in your wallet, we’ll discuss the pros and cons of Firestone credit card and everything you can get from this card.

 

Firestone Credit Card

Firestone Complete Auto Care card is a store card which means that you can only use it on Firestone purchases. The special financing offer is the main reason people usually get it, but it isn’t the best option for many because of deferred interest.

 

Special Financing

Only one special financing offer is offered by the Firestone Complete Auto Care card. You don’t have to pay any interest if you pay the amount in full within a period of 6 months. However, it applies to only on purchases of $149 or higher. After the interest-free period, a 28.80% fixed APR is charged.

 

This offer might seem decent, but it isn’t all that great when compared to other cards that provide interest-free periods of 21 months. Plus, there are several cards that don’t come with deferred interest.

 

Differed Interest Can Be a Problem

Not all store cards charge a deferred interest, but some do. Deferred interest allows you to take advantage of special introductory financing options. But, if you don’t pay the amount before the interest-free period is over, you’ll have to pay interest on your purchases/repairs starting from the day the purchases/repairs were charged on your card. This means you could end up paying handsomely in interest if you fail to pay in full by the end of the promotional period. To avoid the deferred interest on Firestone credit card, the balance must always be paid in full within the promotional period.

 

Special Deals and Monthly Coupons

As a Firestone Complete Auto Care cardholder, you’ll receive special deals and monthly coupons that can only be used at Firestone. If you undergo car maintenance at Firestone alone, you could benefit from them and save a few bucks on vehicle-related expenses. However, the deals and monthly coupons won’t do you any good if you don’t always go to Firestone for vehicle maintenance, repairs or to purchase a new set of tires. Moreover, the deals and coupons aren’t as good as the rewards and cash backs that are available with most of the other store credit cards.

 

Firestone Credit Card Login Information

You can easily manage your Firestone Complete Auto Care card account online. Register your card at the Credit First National Association (CFNA). You’ll be required to provide your Social Security and credit card numbers. Once registered, you’ll receive the login details for your account. Sign in to your account to manage it. To make payments, click on “View Payments”. Next, select the amount you wish to pay. Payments can also be made via mail or phone.

 

Is the Firestone Credit Card Right for You?

Nobody likes to take their vehicle for maintenance or repairs as it can be expensive. Paying a large amount of money at once is difficult and it can derail your budget. The Firestone credit card may help you in such a scenario, especially if your car has broken down and the repairs are going to be extremely costly.

 

firestone credit card

 

You could avail the special financing option that comes with the Firestone Complete Auto Care card to spread the cost of car repairs over time. You’d be eligible for the offer if you make a purchase of at least $149 and pay with your card. You’ll be required to pay off the repairs or purchases within a period of six months. However, as we discussed earlier, there’s a catch. If you can’t pay off your balance in full within the period of six months, you’ll be charged interest on the full purchase going back to the date of the purchase. You’ll also have to pay interest if you’re late with payment. So, the special financing offer could make you fall in debt if you’re not careful. Firestone Complete Auto Care card could be right for you if you’re good at making payments on credit cards.

 

Besides the special financing offer, Firestone credit card lack benefits. There are no rewards, points or cash backs. However, you’ll get special discounts and coupons as a cardholder like tire rotations or oil exchanges.

 

If you don’t have a good credit history and want to improve your score, you could use the Firestone credit card as there’s no annual fee and it’s easier to obtain it. On-time payments will help increase your credit.

 

However, if you have a good credit score, there’re plenty of other credit cards to consider. Many credit cards offer cash back and rewards and come with longer promotion periods. So, make sure to consider all the options before you decide to get a Firestone credit card.

 

An Alternative Card

Travel Freedom Card Art Size

There are plenty of alternatives for you to consider if you aren’t satisfied with what Firestone credit card has to offer. One good option is from Wells Fargo. Their Platinum Visa card offers an introductory APR offer on balance transfers and purchases for a period of 18 months. After that, the variable APR switches to the normal rate. You also don’t have to pay an annual fee on the Wells Fargo Platinum Visa Card.

Learn More >>

 

Our Last Thoughts on the Firestone Credit Card

You can benefit from the in-store special financing offer on Firestone Complete Auto Care card. But, since there are no rewards and cash backs on the card, it won’t help you save much in repairs and purchases from Firestone. You could get rewards and cash backs from other credit cards and save more than a few bucks on car repairs and car-related purchases.

 

Firestone Complete Auto Care card could be a good option for you if you usually struggle to pay your car-related expenses in one go or if you want to use it to rebuild your credit. Otherwise, we would suggest you search the market for better credit cards that can actually help you save money.

 

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)Earn 3X on all purchases in the first year (up to $20,000 in purchases)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases (after year 1)2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

Gap Credit Card Review (BONUS: 3 Better Alternative Credit Cards)

gap credit card

Gap is a popular, trendy clothing store that’s loved by people of all ages. Gap is part of a big family of retailers which includes Banana Republic, Athleta, Old Navy, Hill City, and Gap itself. If you regularly shop from these stores, you might want to consider using a Gap credit card that offers extra perks for shopping.

 

We are taking an in-depth look into Gap credit cards to help you decide whether this card deserves a place in your wallet. In this review, we’ll discuss the types of Gap credit cards available and the perks associated with them.

 

Gap Credit Cards

gap card

There are two types of credit cards available:

  • GapCard
  • Gap Visa Card

 

Both GapCard and Gap Visa Card provide access to rewards program and they can be used in-store and online at Gap family of stores and Gap0. The major difference between the GapCard and Gap Visa Card is that the Gap Visa Card can also be used where Visa is accepted.

 

APR and Other Charges

Both Gap credit cards don’t charge an annual fee and come with a 26.74 percent APR (variable). This rate varies depending on the market and is based on Prime Rate. A maximum of $37 will be charged for late payment. The GAP Visa charges a 28.49 percent APR for cash advances. The foreign transaction fee is 3 percent of each transaction.

 

GapCard Rewards Program

When you’re approved for a Gap credit card, you are enrolled in a rewards program which allows you to earn points on purchases that are qualified. To maximize the reward points, use your Gap credit card at the Gap family of stores. For every dollar you spend, you’ll get five points. If you have a Gap Visa Card, you’ll be awarded one point for each dollar you spend outside of Gap stores. A $5 reward is awarded to Gap credit card holders for every 500 reward points they have.

 

Gap Silver Status

The GapCard comes with other bonuses and benefits that you may find valuable. If you’re able to earn 5,000 points in a single calendar year, you qualify for the Gap Silver status. This status includes different bonuses like 20 percent bonus points per every quarter, free shipping for items purchased at Gap, free alterations (basic) at the Banana Republic and dedicated customer service agent.

 

Gap credit card cardholders also get presales and exclusive deals like special birthday saving and 10 percent Tuesdays when they shop at Gap.

 

Signup Offers

New Gap credit card cardholders get a discount of 15 percent on the first purchase they make with the card. If you’re planning to make a big purchase from the Gap stores, you could save a lot of money.

 

If you opt for receiving text updates from Gap and sign up for paperless billing, you may earn 1,000 points as a bonus. These bonuses aren’t too impressive when compared to sign-up bonuses offered by many other store cards.

 

Interest Rate Could Be a Problem

Although both GapCard and Gap Visa Card don’t charge an annual fee, they carry very high APRs. This isn’t a major problem if you pay off your balance every month in full instead of carrying it with you. If you can’t pay all of your balance each month, cards with a high APR are going to be very costly to you and you may end up paying hundreds of dollars every year in interest. Those who can’t pay off their balance in full every month shouldn’t go for a Gap credit card. Instead, they should consider a low APR credit card.

 

No 0% Introductory APR Offer

In addition to high APRs, there isn’t an introductory zero-percent APR or special financing promotional offers. Such concessions are usually available to new cardholders with credit cards from other stores. These offers are great as they can help cardholders save money on purchases they make within a certain period and on balance transfers as well.

 

gap credit card review

 

Credit Score Required for Gap Credit Cards

Like other store credit cards, if you have experienced financial troubles in the past which have messed up your credit, you’re more likely to qualify for the GapCard rather than the Gap Visa Card.

 

You may qualify for the GapCard if your credit score is 600s or anywhere near. However, for the Gap Visa Card, it’s likely that you won’t qualify unless your credit score is 700 or higher. You can apply for a Gap credit card by completing an application online. If you don’t qualify for the Visa version, you’ll be offered the GapCard.

 

Drawbacks

One of the major drawbacks of the GapCard and Gap Silver card is that they can only be utilized at the Gap store and Gap family of stores. The rewards and points earned can also only be utilized at those stores. If you frequently shop at Gap, this might not be a drawback for you as you’ll be able to use all your rewards in one place. But, if you want to diversify your rewards, then the Gap credit cards might not be right for you.

 

Gap Credit Card Login Information

Synchrony Bank offers a platform where you can manage your Gap credit card account online. If you’re utilizing the platform for the first time, you’ll have to sign-up for a new account. Once you have registered an account, you can log in by providing your username and entering your password.  Within the platform, you have these options:

  • View your account activity
  • Make payments
  • View your billing statements
  • Set up alerts and more

 

Should You Apply for a Gap Credit Card?

Store credit cards are great for building up credit and you can use the Gap credit card for the same purpose. Moreover, if you frequently shop at Gap and Gap family of stores, then the Gap credit cards would most likely be right for you. You may reach the Gap silver status and get access to added perks that come with it.

 

Alternative Cards for You

If you don’t usually shop at Express stores, then Express Next Credit Card might not be right for you. Instead, you should consider other credit cards like the Chase Freedom Unlimited card that offers the best introductory zero-percent APR. Once you’re approved for this card, you’ll be given a limited time zero-percent introductory APR that applies to both balance transfers and purchases. There are also other perks associated with this credit card like the signup bonus points and no annual fee.

 

Our Last Thoughts on the Gap Credit Card

Gap credit cards are a good option for avid Gap shoppers as they can redeem the rewards and discounts offered by these cards at Gap and Gap family of stores. However, because of the hefty APR, these credit cards aren’t a good option for those who can’t pay off their balance on the card in full every month.

If you’re searching for a credit card that’s more flexible with rewards and discounts, then Gap credit cards aren’t for you. They also aren’t for you if you prefer rewards that can be utilized outside of Gap stores.

 

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)Earn 3X on all purchases in the first year (up to $20,000 in purchases)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases (after year 1)2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

Belk Credit Card Review (BONUS: 3 Better Alternative Credit Cards)

belk credit card review

Regular customers of Belk will be interested in the Belk credit card since it offers several attractive rewards for cardholders. In this article, regular customers at Belk will come to know about the pros and cons of the Belk credit card and the rewards that it gives to cardholders.

 

Top Advantages of Having a Belk Credit Card

Some of the good points about the Belk credit card include the zero annual fee and the relatively low credit score requirement of 680.

 

There are several more attractive features:

  • The credit card comes with a handsome first purchase discount of 15%to 20% on the first day of shopping.
  • You can gain 3 points for every dollar that you spend at the Belk store or at Belk.com
  • The Belk premier rewards card is even better since it offers 4 points for every dollar that you spend at Belk store or at Belk.com
  • The Belk elite rewards card will give you the maximum return of 5 points for every dollar that you spend at Belk.com or the Belk store
  • If you also posses MasterCard, you will get 2 points for every dollar that you spent on fuel and groceries
  • If you also own MasterCard, you will also get 1 point on $1 spent anywhere else
  • Redeem 1000 points for $10 worth of Belk reward dollars
  • Exclusive access to 20 savings events annually
  • Early access for promos and events at the store

 

Bonuses and Interest Rates

The fact that this card offers a wide array of bonuses and comes without annual fees, makes it ideal for those who make the bulk of their purchases at Belk. Although the APR is towards the high side of around 24%, it is quite normal for store-branded credit cards to have this level of interest rate.

 

Types of Belk Credit Cards

Much like other store-branded credit cards, Belk offers its card in 2 types: (i) the simple store card (ii) Belk-branded MasterCard

 

The latter option is linked to the MasterCard which will offer very attractive rewards on other purchases such as a 2 percent reward rate for spending on gas and grocery and a one percent rate on any other purchase.

 

Each Belk Card Has Different Benefits

The reward percentage will not vary between the cards. However, the advanced cards will give you higher rates of reward for shopping at Belk and will offer great bonuses as well. To remain qualified for your advanced cards, you must purchase annually within the spending bracket that made you eligible for the advanced card.

 

Belk Card Tiers

The following are the types of cards offered by Belk:

  • Belk Rewards: This is the basic card that you will obtain by default. The reward rate at Belk for this card is 3 percent which amounts to 3 points per dollar spent.
  • Belk Premier Rewards: You will gain access to this card if your expenditure at Belk during the year is from $600 to $1,499. The reward rate for this card at Belk is 4 percent.
  • Advanced Card: Belk Elite Rewards. You will gain access to this card if your expenditure at Belk over the year is more than $1500. The reward rate at Belk for this card is 5 percent.

 

Belk Premier Rewards Card

Advanced cards offer greater bonuses and rewards. The Belk Premier Rewards Card provides these bonuses as well:

  • Premier Savings Day invitations.
  • Ability to make flexible payments through Belk rewards flex pay plan.
  • Birthday coupon

 

Belk Elite Rewards Card

The most advanced card at this store is the Belk Elite Rewards Card. All the rewards featured above are provided by this card along with the following rewards that are not offered by other Belk store cards:

  • Four Elite Savings Day invitations
  • Pick Your Own Sale Day with 20% off on a quarterly basis
  • Free shipping for purchases made in-store or at Belk.com

 

In general, the more advanced the card, the higher the rewards and bonuses. Therefore, those spending substantial amounts at the Belk store will be better off if they apply for the Belk card.

 

More Benefits

The bottom line is that the cards offer generous rewards for those who make a lot of purchases at the Belk store. However, remember that there are a number of tiers for these cards. For instance, if you shop at Hot Topic with the Hot Topic card, you will enjoy a reward rate of 5 percent.

 

One great advantage is that if you have a MasterCard, you can then use the card anywhere.

 

Possible Drawbacks

One major con is that it may not be of much use to those who do not spend substantial amounts at Belk.

 

Credit Impaired Customers Can Benefit

A big advantage for those with a poor credit score is that Belk cards are easy to apply for since like other closed loop store cards, they have less stringent criteria for approval. Credit disadvantaged customers will find it much easier to apply for the Belk card as compared to standard cards from Discover, MasterCard, Visa, etc. Even for those who have a limited credit history, the Belk credit card makes a fine option.

 

Easier To Weigh the Benefits

Since there are no annual fees that must be paid to use these cards, you won’t have to follow your rewards dollars to ensure that they are exceeding annual payments.

 

Easy to Understand

The offers, bonuses, and discounts are also pretty straightforward and easy to understand. So, first-time credit card users will not have any difficulty with the Belk credit card. The rewards are sent automatically.

 

MasterCard  Advantage

If you meet criteria for MasterCard, then you will automatically receive the MasterCard in lieu of the standard store card.

 

Receiving Belk Rewards

Keep in mind that you will start to earn your reward dollars via mail once your score goes up to the 1000 point mark. There is also a hundred dollar limit on every billing cycle. Whatever amount is in excess of $100 will be received during the next billing cycle. However, the chances of amounts exceeding $100 are quite low since you will have to spend big to reach that amount. The reward dollar points are valid for one year so make sure that you claim your reward within one year of earning the points.

 

As with all credit cards, you must make timely payments to keep the maximum amount from your rewards.

 

Our Last Thoughts on the Belk Credit Card

This is a great credit card to have if you are a regular shopper at Belk. If you’re not, you may want to consider these more versatile options.

 

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)Earn 3X on all purchases in the first year (up to $20,000 in purchases)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases (after year 1)2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

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