Credit Card Reviews

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

world of hyatt credit card review

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

 

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

 

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

 

World of Hyatt Credit Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
Earn up to 50,000 points. You'll earn 25,000 points after you spend $3,000 in the first 3 months and an additional 25,000 points after spending $6,000 in the first 6 months.
REWARDS
You’ll earn 9X points per dollar spent at Hyatt hotels, and 2X points on restaurants, airline tickets, local transit, and fitness clubs.
BENEFITS
One free night award (up to category 4) every account anniversary.
Another free night award when you spend $15,000 in a calendar year.
Automatic Discoverist elite status with World of Hyatt
5 qualifying night credits each calendar year, plus 2 more bonus night credits each $5,000 in spend.
FEES
$95 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer is decent, but has a high spending limit to earn both tiers. If both tiers are met, it will earn you enough points for up to 10 free nights (category 1). The free night award each year for $95 is well worth it, if you can use it on an otherwise expensive night.

 

World of Hyatt Credit Card Fees

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

 

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

 

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

 

Features and Benefits of the World of Hyatt Card

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

 

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

 

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

 

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

 

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

world of hyatt category 4

 

World of Hyatt Rewards Program Info

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

 

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

 

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

 

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

 

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

World of Hyatt credit card benefits

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

 

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

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

 

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

world of hyatt visa

 

An Alternative Card to Consider

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

chase sapphire preferred credit card art

See our review of the Chase Sapphire Preferred card.

 

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

 

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

 

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

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

 

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

 

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

 

World of Hyatt Credit Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
Earn up to 50,000 points. You'll earn 25,000 points after you spend $3,000 in the first 3 months and an additional 25,000 points after spending $6,000 in the first 6 months.
REWARDS
You’ll earn 9X points per dollar spent at Hyatt hotels, and 2X points on restaurants, airline tickets, local transit, and fitness clubs.
BENEFITS
One free night award (up to category 4) every account anniversary.
Another free night award when you spend $15,000 in a calendar year.
Automatic Discoverist elite status with World of Hyatt
5 qualifying night credits each calendar year, plus 2 more bonus night credits each $5,000 in spend.
FEES
$95 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer is decent, but has a high spending limit to earn both tiers. If both tiers are met, it will earn you enough points for up to 10 free nights (category 1). The free night award each year for $95 is well worth it, if you can use it on an otherwise expensive night.

LEARN HOW TO APPLY NOW >>

 

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

british airways visa review

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

 

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

 

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

 

British Airways Credit Card

Introductory Offer:

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

Rewards:

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

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

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

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

 

British Airways Credit Card Fees

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

 

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

 

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

 

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

 

Features and Benefits of the British Airways Credit Card

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

 

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

 

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

 

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

 

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

british airways credit card

 

British Airways Rewards Program Info

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

 

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

 

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

 

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

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

british airways visa signature

 

Who Does the British Airways Credit Card Appeal to Most?

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

 

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

 

An Alternative Card to Consider

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

chase sapphire preferred credit card art

See our full review of the Chase Sapphire Preferred.

 

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

 

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

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

 

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

 

British Airways Credit Card

Introductory Offer:

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

Rewards:

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

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

Benefits:

No foreign transaction fees.

Annual Fee:

$95

Our Thoughts:

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

LEARN HOW TO APPLY NOW >>

 

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

ihg rewards club premier credit card review

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

 

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

 

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

 

IHG Rewards Club Premier

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 80,000 points after you spend $2,000 in the first 3 months.
REWARDS
You’ll earn 10X points per dollar spent at IHG hotels (25X after member bonuses), and 2X points at gas stations, grocery stores, and restaurants.
BENEFITS
One free night award every account anniversary.
4th night free when redeeming points for a stay of 4 nights or more.
Automatic platinum elite status with IHG.
Global Entry or TSA PreCheck statement credit every four years.
FEES
$89 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer can be worth up to 12 free nights. The free night award each year for $89 is well worth it if you can use it on an otherwise expensive night.

 

IHG Rewards Club Premier Credit Card Fees

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

 

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

 

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

 

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

ihg rewards club premier hotels

 

Features and Benefits of the IHG Rewards Club Premier Card

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

 

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

 

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

 

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

 

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

 

IHG Rewards Program Info

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

 

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

 

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

 

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

ihg rewards club premier benefits

 

The Pros

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

 

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

ihg rewards club premier credit card

 

Who Does the IHG Credit Card Appeal to Most?

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

 

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

 

An Alternative Card to Consider

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

marriott bonvoy card art

See our full review of the Marriott Bonvoy Boundless card.

 

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

 

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

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

 

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

 

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

 

IHG Rewards Club Premier

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 80,000 points after you spend $2,000 in the first 3 months.
REWARDS
You’ll earn 10X points per dollar spent at IHG hotels (25X after member bonuses), and 2X points at gas stations, grocery stores, and restaurants.
BENEFITS
One free night award every account anniversary.
4th night free when redeeming points for a stay of 4 nights or more.
Automatic platinum elite status with IHG.
Global Entry or TSA PreCheck statement credit every four years.
FEES
$89 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer can be worth up to 12 free nights. The free night award each year for $89 is well worth it if you can use it on an otherwise expensive night.

LEARN HOW TO APPLY NOW >>

Capital One VentureOne Rewards Credit Card Review

capital one ventureone review

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

 

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

 

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

 

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

 

Capital One VentureOne

Introductory Offer:

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

Rewards:

You’ll earn 1.25X miles on every purchase.

Benefits:

Transfer points to airline and hotel travel partners.

Annual Fee:

No annual fee.

Our Thoughts:

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

 

Capital One VentureOne Credit Card Fees

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

 

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

 

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

 

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

 

Features and Benefits of the VentureOne Card

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

 

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

 

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

 

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

 

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

capital one ventureone rewards

 

Capital One Rewards Program Info

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

 

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

 

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

capital one ventureone travel

 

Who Does the VentureOne Card Appeal to Most?

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

 

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

 

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

 

An Alternative Card to Consider

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

Capital One Venture Credit Card Review

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

 

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

 

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

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

 

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

 

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

 

Capital One VentureOne

Introductory Offer:

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

Rewards:

You’ll earn 1.25X miles on every purchase.

Benefits:

Transfer points to airline and hotel travel partners.

Annual Fee:

No annual fee.

Our Thoughts:

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

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

marriott bonvoy business review

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

 

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

 

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

 

Marriott Bonvoy Business

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.
Earn 4x points at US restaurants, US gas stations, on US cell phone services and US shipping purchases.
Earn 2x points on all other purchases.
BENEFITS
One free night award (up to category 5) every account anniversary.
Earn an additional free night award after spending $60,000 on your card in a calendar year.
Automatic silver elite status with Marriott Bonvoy
Gold status after spending $35k
15 elite night credits each calendar year.
ANNUAL FEE
$125 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
The introductory offer is good, as it will earn you approximately enough points for three free nights at a category 5 hotel. The free night award each year for $125 is worth it if you can use the award on an otherwise expensive stay.

 

Marriott Bonvoy Business Credit Card Fees

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

 

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

 

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

 

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

marriott bonvoy business american express

 

Features and Benefits of the Bonvoy Business Card

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

 

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

 

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

 

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

 

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

 

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

 

Marriott Bonvoy Rewards Program Info

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

 

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

 

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

 

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

 

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

 

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

marriott bonvoy business amex

 

The Pros

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

 

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

 

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

 

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

 

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

 

The Cons

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

 

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

 

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

 

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

 

Credit Score Needed for Approval

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

marriott bonvoy business credit card

 

Who Does the Marriott Bonvoy Business Card Appeal to Most?

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

 

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

 

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

 

An Alternative Card to Consider

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

capital one spark cash for business card art

See our full review of the Capital One Spark Cash.

 

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

 

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

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

 

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

 

Marriott Bonvoy Business

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.
Earn 4x points at US restaurants, US gas stations, on US cell phone services and US shipping purchases.
Earn 2x points on all other purchases.
BENEFITS
One free night award (up to category 5) every account anniversary.
Earn an additional free night award after spending $60,000 on your card in a calendar year.
Automatic silver elite status with Marriott Bonvoy
Gold status after spending $35k
15 elite night credits each calendar year.
ANNUAL FEE
$125 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
The introductory offer is good, as it will earn you approximately enough points for three free nights at a category 5 hotel. The free night award each year for $125 is worth it if you can use the award on an otherwise expensive stay.

LEARN HOW TO APPLY NOW >>

Chase Sapphire Reserve Review: The Most Valuable Premium Travel Card

chase sapphire reserve review

Chase Sapphire Reserve

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

$450 Annual Fee

LEARN HOW TO APPLY >>

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

 

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

 

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

 

Chase Sapphire Reserve

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.

 

Chase Sapphire Reserve Fees

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

 

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

 

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

 

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

chase sapphire reserve credit card

 

Features and Benefits of the Sapphire Reserve

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

 

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

 

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

 

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

 

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

 

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

 

Chase Ultimate Rewards Info

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

 

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

 

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

 

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

 

The Pros

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

 

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

 

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

 

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

 

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

 

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

chase sapphire reserve card

 

The Cons

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

 

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

 

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

 

Credit Score Needed for Approval

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

 

Who Does the Chase Sapphire Reserve Appeal to Most?

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

 

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

 

An Alternative Card to Consider

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

Capital One Venture Credit Card Review

See our full review of the Capital One Venture card.

 

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

chase sapphire reserve perks

 

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

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

 

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

 

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

Chase Sapphire Reserve

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

$450 Annual Fee

LEARN HOW TO APPLY >>

What Happened to the Chase Ink Plus Business Credit Card? We’ll Explain

chase ink plus

So, you’ve heard about the Chase Ink Plus credit card… Unfortunately, Chase no longer offers the Ink Business Plus card. They have, though, created a completely new line of Ink Business cards to replace the Ink Plus card. There are now three Ink Business cards and they’re all great options.

 

The three current Ink Business credit cards are as follows:

See our full review of the Ink Preferred.

See our full review of the Ink Cash.

See our full review of the Ink Unlimited.

 

In our opinion, the Chase Ink cards are the best small business credit cards offered by any bank. Why do we believe this to be true? Well, to start, each of the cards has a very high introductory offer of Chase Ultimate Rewards points. The Chase Ink Preferred has the largest offer of all three cards and is one of the most valuable offers of ANY credit card. The Ink Cash and Ink Unlimited have very large introductory offers and also don’t have annual fees.

 

Chase Ink Plus Compared to the Current Ink Cards

Let’s take a look at what the Chase Ink Plus credit card last offered for new card members. When it was last available, it offered a 60,000 point introductory offer. It earned 5X rewards at office supply stores and on cell phone, landline, internet, and cable TV services. It also earned 2X rewards at gas stations and hotels. The card also came with the advantage of 20% extra value for redeeming Ultimate Rewards through the Chase travel portal. All of these features came with an annual fee of just $95.

 

Here are the main features of the current Chase Ink credit cards.

 

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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

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

 

As you can see, none of the three newer cards alone have exactly what the Chase Ink Plus card offered. With a combination, the features of the Chase Ink Plus can nearly be achieved. For instance, the Chase Ink Preferred has a superior introductory offer, while it has slightly different rewards opportunities. The Chase Ink Plus has nearly identical rewards opportunities, but a slightly lower introductory offer. Lastly, the Chase Ink Unlimited has a completely new offering in the rewards department, earning 1.5X on all purchases and has an introductory offer slightly lower than what the Chase Ink Plus used to offer.

We also have an article comparing the three current Chase Ink Business cards.

 

Combine Two Ink Cards for the Best Results

By having the Ink Preferred and the Ink Cash together, you can have the best of both worlds. You’ll enjoy having the rewards earning opportunities of the Chase Ink Plus and more. Also, you’ll earn introductory offers adding up to more than double the points of the Chase Ink Plus. With these two cards, you’d also only be paying the same amount for the annual fees as you were with the Chase Ink Plus.

 

Old Chase Ink Plus vs Current Ink Cards

 Introductory OfferRewardsBenefitsAnnual Fee
Chase Ink Plus (no longer available)
60,000 Ultimate Rewards5X at office supply stores, and on cell phone, landline, internet and TV services.

2X at gas stations and on hotels.
Points worth 20% more in Chase travel portal.

Chase airline & hotel transfer partners.
$95
Ink Bus. Preferred
80,000 Ultimate Rewards3X on travel, shipping, internet, cable, phone, and online ads.Points worth 25% more in Chase travel portal.

Chase airline & hotel transfer partners.

Cell phone protection.

Primary car rental insurance.
$95
Ink Business Cash
$500 (50,000 Ultimate Rewards)5X on office supply stores, phone, internet, and cable.

2X on gas and dining.
Purchase protection.

Extended warranties.

Employee cards at no additional cost.
No annual fee
Ink Bus. Unlimited
$500 (50,000 Ultimate Rewards)1.5X on all purchasesPurchase protection.

Extended warranties.

Employee cards at no additional cost.
No annual fee

 

Earning Chase Ultimate Rewards with Ink Cards

All of the Chase Ink cards earn Ultimate Rewards points. The Ink Cash and Ink Unlimited cards are advertised as cash back cards, but actually earn the same Ultimate Rewards. Those cards by themselves can only be redeemed for 1 cent per point and have no access to Chase transfer partners. Fortunately, Ultimate Rewards points can be transferred between card accounts. So, if you have a primary Chase credit card (Sapphire Preferred, Sapphire Reserve, Ink Preferred) you’ll be able to transfer your points to one of them to have better redemption options.

 

Chase Airline Transfer Partners

 Transfer RatioTransfer Time
Aer Lingus1:1Instant
British Airways1:1Instant
Air France1:1Instant
Iberia1:1Instant
JetBlue1:1Instant
Singapore Airlines1:1Up to 2 days
Southwest1:1Instant
United1:1Instant
Virgin Atlantic1:1Instant

 

Chase Hotel Transfer Partners

 Transfer RatioTransfer Time
Hyatt1:1Instant
IHG1:11 day
Marriott1:12 days
Ritz-Carlton1:12 days

 

With a primary Chase card you will be able to redeem your Ultimate Rewards for 25-50% more value within the Chase travel portal. You’ll also gain access to the Chase hotel and airline transfer partners, where you can often redeem points for 2 cents of value or more. My wife and I often use our Chase points to book flights to Hawaii with British Airways miles, which usually gets a redemption value of 2-2.5 cents per point. When you use this method, round trip flights cost 25,000 miles and are often priced at $500 or more.

 

Primary vs Secondary Chase Ultimate Rewards Cards

 Travel Portal ValuePrimary or SecondaryTransfer Partners Available?
Chase Sapphire Preferred1.25 cents per pointPrimaryYes
Ink Business Preferred1.25 cents per pointPrimaryYes
Sapphire Reserve1.5 cents per pointPrimaryYes
Chase Freedom1 cent per pointSecondaryOnly by transferring points to a primary card
Freedom Unlimited1 cent per pointSecondaryOnly by transferring points to a primary card
Ink Business Cash1 cent per pointSecondaryOnly by transferring points to a primary card
Ink Business Unlimited1 cent per pointSecondaryOnly by transferring points to a primary card

 

 

Decision Time: Which Chase Ink Card Should You Get?

If you were thinking about applying for the Chase Ink Plus card before you found out that it no longer exists, definitely consider the new Ink cards. If you’re simply looking for the best introductory offer, the Chase Ink Business Preferred is the best. When it comes to rewards, the Ink Business Cash is a great option with multiple 5X categories. Or, if simplicity is your thing, the Ink Business Unlimited and it’s 1.5X rewards on all purchases will fit the bill perfectly.

 

Pairing Multiple Chase Ink Cards

If you want the best of both worlds, you might want to consider pairing two of the above cards. I actually have and use all three cards for my business expenses. I never earn just 1 point per dollar on any purchase because of it.

 

 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 >>

Hilton Honors American Express Card Review: Free Silver Elite Status

hilton honors american express card review

People who travel a lot can really benefit from having a good travel rewards credit card. If your travel expenses are heavily skewed toward money being spent on hotels, then it makes sense to get a hotels-based credit card. This can potentially reward you for money spent on booking hotels, and it can help to mitigate some of the costs. There are actually many options out there for cards that do this, and some of them are associated with a specific brand of hotels.

 

That is the case for the hotel rewards credit card that we will be discussing today. The Hilton Honors American Express card is going to be a very useful card to have when you stay at Hilton Hotels regularly. Being that Hilton is such a prevalent brand, this is likely going to be among the most convenient hotel rewards credit cards that you can use. It will allow you to earn rewards for staying at any of the thousands of Hilton locations around the world.

 

That being said, you still want to be able to take the time to make a good decision. If you want to get the very best credit card that is possible, then you need to examine the particulars of this card to see if it lines up with your needs. The Hilton Honors American Express card is certainly a popular credit card option with many features, but it will be good to be able to make an informed decision of your own. Read on to learn all about this credit card and what it brings to the table.

 

Hilton Honors American Express

Introductory Offer:

You’ll earn 75,000 points after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 7X points Hilton properties.

You'll also earn 5X at US supermarkets, restaurants, and gas stations.

3X on all other purchases.

Benefits:

Automatic Hilton Honors silver elite status.

Spend $20,000 in a calendar year to earn gold elite status through the end of the next year.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

With no annual fee, this card is great for getting an introductory offer and automatic elite status (which offers 5th reward night free).
LEARN MORE >>

 

Hilton Honors American Express Card Fees

You will be happy to hear that this credit card does not have any type of an annual fee. Not having to pay money just to have access to a credit card is always going to be a good thing. It makes it easy for just about anyone to justify signing up for this credit card. If you feel like you will be able to use this card to its full potential, then you will not have a pesky annual fee holding you back.

 

This card always never has any foreign transaction fees. This is going to be an especially important factor for many people. If you regularly travel outside of the country and want to be able to stay at Hilton Hotels to earn rewards, then you will be able to do so without worrying about fees. It makes things as convenient as possible for those who have friends or family outside of the country. Fewer fees will always be a good thing, so you can put this as a check mark in the positive column.

 

All of the other associated fees are fairly normal with this credit card. The balance transfer fee of this credit card is set at 3% or $5.00. You will be charged whichever amount winds up being higher. This is a pretty normal balance transfer fee, so it should not really sour your experience in any way.

 

There is also no special introductory APR offer or anything of that nature. Without an introductory APR offer, this card will likely not appeal to anyone who wishes to do a balance transfer. The APR of the card simply falls within average ranges and is nothing that is worth putting much thought into. Combine this with the associated fee, and it makes it unattractive as a balance transfer card.

 

Anyone who travels somewhat often and wants to be able to avoid fees will like this credit card. There are very few fees that will get in your way while using the card. It provides you with a user-friendly experience that will make sure that you earn rewards at a good rate. There may be other cards that offer greater potential for rewards, but being able to avoid many fees by using this specific card will be enough to give it the edge for some people.

 

Features of the Hilton Honors American Express Card

For the most part, the features of this credit card that will matter to you are going to be related to the rewards program. We will be going into the rewards potential of this credit card later on. There are some other beneficial features and benefits of this card that will help to sway your opinion. For instance, this card comes with a pretty decent welcome bonus.

 

In order to earn the welcome bonus, you will need to make sure that you spend a certain amount of money on this credit card within the first three months of being a cardholder. The purchases must be made on eligible categories in order for you to be able to claim your welcome bonus. This welcome bonus winds up giving you many rewards points that you will be able to work with. It makes it simple to start saving money on your hotel purchases right away, and being able to get a bonus from a card with no annual fee is nice.

 

You can also expect to be able to take advantage of all of the standard features that you would get from most cards. This credit card will give you access to a robust customer service department whenever you need help with something. It has an online chat option, and you can also choose to call customer service agents on the phone. This is a 24/7 customer service experience and should be convenient for all cardholders.  

hilton honors amex

 

Benefits of the Hilton Honors American Express Card

You should also expect to be able to take advantage of various benefits as a cardholder. Some of the standard perks include useful things such as car rental insurance and free roadside assistance. Being able to have secondary insurance coverage on a rental vehicle can come in handy while you are on the road. The roadside assistance availability may be a standard benefit, but it is invaluable when you encounter issues while on the road.

 

Cardholders will also have access to baggage insurance and purchase protection. Baggage insurance works excellently to keep your belongings safe on a flight. If your bags are misplaced or stolen while on your trip, then you will be able to be reimbursed. Purchase protection will protect you when items that you purchased are damaged or stolen.

 

The biggest benefit that you will be taking advantage of is the automatic silver status that is offered by this card. Being able to have access to silver status will give you a 20% bonus to your Hilton Honors base points. It makes it easier to rack up rewards fast, and your 5th night is going to be free whenever you book five nights or more at a Hilton property. This can really help to save you some money while increasing your rewards potential.

 

The card also makes it much simpler to become a Gold status member of Hilton. If you manage to spend $20,000 or more on the card in a calendar year, you will be given this upgrade in status automatically. This gives you a fantastic points bonus of 80%, and it entitles you to some great freebies as well. You will be given a complimentary breakfast at all Hilton hotels and will receive room upgrades when they are available.

 

Cardholders will also have access to several conveniences that will make staying at the Hilton more enjoyable. Your second guest at the hotel will be able to stay for free. Guests will also enjoy express checkout, and late checkouts will also be available. It simply makes your time at the Hilton that much better, so it is worthwhile for anyone who stays at the Hilton often to sign up for a card like this.

 

Rewards Program Info

The rewards program for this credit card is going to prove to be especially beneficial for Hilton hotel regulars. You will be able to earn 7X Hilton Honors points on all of your eligible Hilton purchases. There are many eligible resorts and hotels in the Hilton portfolio, making it very easy to earn this high rewards point total. 7X points for every $1.00 spent on eligible Hilton purchases will add up very fast, allowing cardholders to truly make the most of the rewards system.

 

It is possible to earn increased rewards points in categories outside of hotels as well. You can expect to earn 5X points for every $1.00 spent on United States gas stations, restaurants, and supermarkets. Some may find it to be a bit of a shame that this rewards bonus is restricted to businesses in the United States, but it still is very helpful. It allows cardholders to keep earning rewards at an increased rate, even when they are not traveling.

 

All of the other eligible purchases that you make will give you a rewards rate of 3X per $1.00 spent. This is not too bad for a standard rewards rate. When you combine all of these points that you can earn together, it can really come in handy for paying for your hotel purchases. You will also be able to earn Hilton Honors base points on top of these normal rewards, so this is a truly handy card to have.

 

Redeeming points should always be a straightforward process, as well. Your points will never expire so long as you use the card once every 12 months. This card does not set any caps on the points that you can earn, either. You can redeem points for hotel stays, airfare, car rentals, dining, shopping, and cruises. These points are also capable of transferring to one of the 41 airline partners that work with this credit card program.

hilton honors american express card

 

The Pros

  • High rewards rate
  • Makes your experience at Hilton better
  • Easy to redeem rewards
  • No annual fee or foreign transaction fee

 

The high rewards rate of this credit card is hard to deny. You are going to be able to earn rewards very fast if you decide to use this card regularly. Those who take advantage of this card and its generous rewards rate will be able to save money on their yearly hotel expenses. It is simple to earn hundreds of dollars worth of rewards per year if you do your best to spend your money intelligently.

 

This credit card has very easy to redeem points, too. You will be able to redeem your earned rewards in a number of different ways. You can redeem the points for hotel stays, airline tickets, cruises, rental cars, and much more. It is even possible to redeem points to pay for a portion of the cost of a hotel room.

 

Anyone who is after a credit card that can make their hotel experience nicer is going to like this card, too. You will be upgraded to silver status automatically by being a cardholder. You will have access to many nice perks, and staying at the Hilton will be better than ever before. This also increases the base Hilton Honors points that you earn on top of your credit card rewards points.

 

Many people will sign up for this credit card just due to the fact that it is cost-effective. This card has no associated annual fee and this makes it easy to justify keeping it in your wallet. You will not need to worry about foreign transaction fees when you use this credit card, either. It is very good at helping you to keep fees to a minimum while enjoying your hotel experience.

 

The Cons

  • Value of rewards points are not as high as some other cards
  • Many cards offer better travel perks
  • Limits you to Hilton Hotels

 

It should be said that the value of the rewards points for this card is not as high as some other credit cards. You can earn a lot of points very fast with this card, but the value of the points may be lacking when compared to other options. Each point is estimated to be worth around 0.5 cents. This means that it may look like you're earning more rewards than you really are when it comes time to redeem the points.

 

Also, many cards offer better travel perks. If you are interested in a good hotel rewards card due to wanting access to travel perks, then this card is just okay. It does not have the same perks that a luxury rewards credit card would give you access to. Granted, a luxury credit card would have a large annual fee. It just depends on what you expect out of your hotel experience.

 

Some people will not like being limited to Hilton Hotels either. If you are the type of person who would prefer to look for the best deal possible among many hotel brands, then this is going to make you feel boxed in. If you love staying at Hilton Hotels already, then you will be able to make good use of this card. It just comes down to how you feel about this specific brand and whether you want to be loyal to them or not.

 

Credit Score Needed for Approval

Those who are looking to sign up for this credit card will need to ensure that they have a very good credit score. If you have a credit score of 690 or higher, then you should have a good chance of being approved. This credit card requires very good credit, and it will be even easier to be approved if your credit is in the excellent range. Take the time out of your day to check your credit score before you move forward and apply for this card.

 

Who Does the Hilton Honors Amex Appeal to Most?

A credit card like this is mostly going to appeal to people who like staying at Hilton Hotels. If you travel somewhat frequently, then having a credit card that will help you to earn rewards is a good idea. You can earn points to help offset some of your hotel expenses. Those who only travel very infrequently may not find this card to be quite as useful.

 

The card can be used to earn points even when you are not staying at hotels, though. You can earn 5X points on United States supermarket, gas station, and restaurant purchases. These are very common purchases, and it should make it very easy to rack up points, even when you are just using the card near your home. It increases the overall practicality of this credit card for many people.

 

An Alternative Card to Consider

There are a number of different hotel loyalty rewards credit card options to consider. If you are looking for a good alternative to the Hilton Honors American Express card, then you may wish to consider the Capital One Venture card. (Learn more) Although this is not a hotel-based credit card, it does give you great rewards earning potential. You can earn 2 miles for every $1.00 spent using this card, and the miles are valued at 1 cent.

Capital One Venture Credit Card Review

See our full review of the Capital One Venture card.

 

 

Those who sign up for the Capital One Venture Rewards Credit Card can expect a very good traveling experience. It allows you to redeem points toward any travel purchase. It is among the most practical flat rate credit cards that you can get. If you don't want to go with a hotel credit card, then this is a good option that can earn you rewards fast.

 

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

The Hilton Honors American Express card will appeal to many people. If you travel somewhat often and need a good rewards card, then this is a great option. It allows you to have a better experience than ever at Hilton Hotels. Earning rewards will always be simple, and the rewards will come in very fast overall.

 

There are some other cards on the market that offer better perks or higher rewards potential. Even so, the fact that this credit card does not have an annual fee makes it very practical for most people. You can use this card as much or as little as you would like and will still be able to reap the rewards. This is a solid credit card that will help you to earn great rewards over time while also offering you a smoother traveling experience.

 

Hilton Honors American Express

Introductory Offer:

You’ll earn 75,000 points after you spend $1,000 in the first 3 months.

Rewards:

You’ll earn 7X points Hilton properties.

You'll also earn 5X at US supermarkets, restaurants, and gas stations.

3X on all other purchases.

Benefits:

Automatic Hilton Honors silver elite status.

Spend $20,000 in a calendar year to earn gold elite status through the end of the next year.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

With no annual fee, this card is great for getting an introductory offer and automatic elite status (which offers 5th reward night free).
LEARN MORE >>

US Bank Cash Plus Review: Earn 5% Back on Valuable Categories

us bank cash plus review

Many people need to have access to a good rewards credit card. When you are able to use a rewards credit card for everyday purchases, it can help you to earn rewards that will offset some of the costs. This really comes in handy, and it helps people to use their money in smart ways throughout the year. The problem is that there are so many different rewards credit cards on the market to pick from.

 

You might even feel a bit intimidated by all of the various rewards credit card options. Thankfully, it will be much easier to pick out a good one when you have access to all of the right information. Today we will be looking at the US Bank Cash Plus credit card. This card has proven to be among the most popular options for people who are seeking a good cash back experience.

 

Is this credit card worthwhile enough to warrant it taking up a spot in your wallet? Read on as we examine this card from every possible angle. We will discover the various features and benefits that it has to offer while paying close attention to the rewards program. You'll be able to make a good decision on whether or not to apply once you have seen all of the information.

 

US Bank Cash Plus

Introductory Offer:

You'll earn $150 after spending $500 in the first 90 days.

Intro APR offer on balance transfers.

Rewards:

You'll earn 5% on the first $2000 each quarter in 2 selected categories.

Earn 2% on 1 more selected "EveryDay" category.

Benefits:

No limit to total cash back earned.

Annual Fee:

No annual fee.

Our Thoughts:

This is one of the best true cash back cards. You can earn 5% per dollar spent on valuable categories that you get to choose from. Utilities seems like a good option... Plus, you also get 2% on a category like gas, restaurants, or groceries. As a lesser known card, it packs a punch with no annual fee!
LEARN MORE >>

 

US Bank Cash Plus Credit Card Fees

Right away, you will notice that this credit card does not come with an annual fee attached to it. This is great news for anyone who gets a little nervous about having to pay to get access to a credit card. You will be able to sign up for this card without worries due to the lack of an annual fee. It makes it easier to simply earn rewards and use the card as you see fit, as you do not need to earn enough rewards money to justify some high fee.

 

Cardholders will also be able to enjoy a very good introductory APR for the first 12 billing cycles. This introductory APR offer applies to both purchases and balance transfers, too. It gives the credit card a bit of added utility for those first 12 billing cycles. If you use the card intelligently, then it will be easy to keep your balance paid off without having to worry quite so much about interest.

 

The normal APR is pretty standard and should not give you any pause. After the initial 12 billing cycles have passed, you will be dealing with the normal APR rate. Since it is fairly normal, it should not throw you off in any way. This card has a very comparable rate to most other credit cards like it, with the rate varying somewhat depending on certain factors.

 

This credit card does have other types of fees that you will need to be worried about, though. One of the more annoying ones is the foreign transaction fee. If you find yourself traveling outside of the country from time to time, then you should know that this card charges a 3% foreign transaction fee if the transaction is made in foreign currency. The fee percentage will be at 2% if the exchange is done in US dollars. Fees like this can add up after a while, so this is not going to be the most practical credit card to use while you are abroad.

 

You can also expect to have to deal with balance transfer fees. Due to the introductory APR of this card, some people will want to consider transferring a balance over. The balance transfer fee of 3% with a minimum of $5.00 may deter some people. It is a fairly standard fee, but you still need to be aware that it is there.

 

Features of the US Bank Cash+

One potentially disappointing element of this credit card is that it does not have a very intriguing introductory offer. This is not likely to be a huge problem for many people but it still might sway your opinion a bit. If you look forward to the opportunity to earn a bit of a bigger welcome bonus when signing up for a new credit card, then you should know that you will not be getting the very best experience here. The lack of an annual fee helps to alleviate that disappointment a good bit, but it still is a bit of a negative.

 

The small introductory offer is very easy for cardholders to achieve. For spending a small amount of money in the first three months of being a cardholder, you will be granted a bonus. This gives you an almost instant bump to your rewards, but it is not a high amount. Even so, any rewards are always going to be quite welcome. It just may not stack up to other sign-up bonus offers from comparable cards.

us bank cash plus credit card

 

Benefits of the US Bank Cash+

The benefits of this credit card are mostly standard, but some of them are going to be quite helpful. For instance, being a cardholder is going to give you access to extended warranty protection. When you buy a product that is covered under a warranty, your credit card is going to be able to extend that warranty by one year, in many cases. This helps to keep important purchases covered under a warranty for longer periods of time and can allow you to avoid any inconveniences due to something breaking down.

 

Lost luggage reimbursement is another good perk that cardholders will take advantage of regularly. When your bags are lost while you are traveling, you will be able to be reimbursed. Getting reimbursed for the value of your lost bags is great. It may not be convenient to have your luggage stolen or misplaced, but at least you can be compensated for it monetarily.

 

You can also use this credit card to provide yourself with an auto collision damage waiver. This is perfect for when you need extra insurance for your rental car. It can help to keep you safer by alleviating some of the burdens on you when something goes wrong with your rental car.

 

Rewards Program Info

The rewards program that this credit card offers its customers is the main reason to sign up. It is going to provide you with a very flexible rewards experience that can conform to what you want it to be. In order to take full advantage of this, you are going to need to be very proactive, though. You have to opt-in when it comes to certain bonus categories, and you will need to manage a lot of factors in order to maximize the profitability of this card.

 

You are going to be able to earn 5% cash back on certain bonus categories each quarter. What makes this card stand out is the fact that it allows you to choose certain categories. There are going to be a series of different bonus categories each quarter, and you will be allowed to pick two of them where you can earn 5% cash back on your first $2,000 spent on that category. There will also be a 2% cash back category that will allow you to pick an additional category to earn that amount.

US Bank Cash Plus Categories

 

If you do not opt-in to these categories, then you will be earning the standard 1% cash back rate on any purchase that you make. This means that this is a rewards credit card that requires you to manage it effectively. You do not want to forget to pick your categories, or you will accidentally hamper your ability to earn rewards in a meaningful way. As long as you are on the ball about keeping track of your credit card information and statements, this should not be a big deal.

 

Being able to earn 5% cash back can help you to earn rewards at a good rate. Many people will be able to reach the caps on the different categories each quarter. It just comes down to how much you spend and what types of things you buy with your credit card. If you pick the right bonus categories, then it should be simple to earn the maximum rewards over time.

 

You should note that sometimes certain categories will disappear. Fast food may be a category for one quarter, and then it will disappear the next. Categories will sometimes stick around for multiple quarters, too. You just have to check what is available and you are allowed to choose the same category over and over again so long as it is an option.

 

Your earned rewards can be redeemed for statement credit very easily. You will also be able to choose to redeem the rewards in the form of gift cards or as a deposit into an eligible U.S Bank. Rewards can be redeemed in any amount so long as you are not trying to redeem for gift cards. Gift cards need to be redeemed in $5.00 increments.

 

The Pros

  • Flexible bonus categories
  • Good rewards potential
  • Easy to redeem rewards
  • No annual fee

 

The flexible bonus categories offered by this card are definitely among the best reasons to sign up. You will not have to worry about having to hit bonus categories that you would never normally use. You pick the categories that will earn you 5% cash back rewards. It makes it easy for just about anyone to use this card to its full potential.

 

The good overall rewards potential of this card is going to make it stand out, as well. You can earn 5% cash back on special categories for the first $2,000 that you spend on that category. This helps you to earn rewards at a fairly high rate. If you pick categories that you use all of the time, then it will be easy to hit those caps and earn the maximum amount.

 

Redeeming rewards is very simple, as well. You will always be able to rely on getting a statement credit for your rewards. Rewards can also be redeemed for gift cards, or you can have rewards money deposited into an eligible U.S Bank account. This is a simple rewards redemption structure that will work well for you.

 

This card does not even have an annual fee that you need to contend with. Signing up for a card is a lot easier when you do not have an annual fee hanging over your head. If you are able to qualify for this card, then it should be easy to make use of it right away. No pesky fees are getting in your way of having access to this credit card.

us bank cash plus

 

The Cons

  • Foreign transaction fees
  • Middling sign-up bonus
  • Complicated rewards program

 

The foreign transaction fees are going to be a real downer for some people. If you have to travel outside of the United States on occasion, then you will need to pay foreign transaction fees if you use your card. The fees are fairly standard, but it is always a nuisance when they pop up. If you travel abroad frequently, then you may not want to rely on this card while you're away.

 

This credit card has a fairly middling sign-up bonus, as well. Any type of sign-up bonus is a nice addition. This one just doesn't offer you anything big to help the credit card stand out. If you like hunting big welcome bonuses, then this card may disappoint you just a bit.

 

Having a complicated rewards program will harm this card in some ways, too. You have to micromanage this card and pick your bonus categories each quarter. If you like a more laid-back experience with your rewards credit cards, then you should probably find something simpler. This card requires your attention when you want to use it in the most beneficial ways.

 

Credit Score Needed for Approval

You should know that this credit card is only going to be available to those who have excellent credit scores. If your credit score is 720 or higher, then you should have a good chance of being approved for this credit card. This is going to limit the number of people who are able to take advantage of the card, but it will be a worthwhile card to have access to, for those who can qualify. Make sure to check your credit score to ensure that you meet the requirements in order to be approved.

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Who Does the US Bank Cash Plus Card Appeal to Most?

This credit card is going to appeal to anyone who wants to have a very user-friendly cash back rewards credit card. This is a credit card that has a lot in common with many of the other famous cash back credit cards on the market. Even so, it manages to stand out in several key ways. Being able to choose your bonus categories really makes it simpler for each person to maximize the rewards potential of this credit card.

 

Anyone who needs a good credit card that can be used for everyday purchases will find this to be a handy option. It has good features, and it offers you very good rewards potential. If you have been waiting for a rewards card that is convenient enough to fit in with your purchasing habits, then you will want to consider signing up for this one. It offers cardholders a smooth experience, and it makes it simple to earn rewards your way.

 

An Alternative Card to Consider

The biggest alternative to this credit card is certainly the Chase Freedom Card. Much like the US Bank Cash Plus, the Chase Freedom Card can offer people 5% cash back on bonus categories. Being able to earn 5% cash back on these bonus categories for the first $1,500 spent is a good reason to sign up. People sometimes choose the Chase card over the others due to the conveniences of the Chase Ultimate Rewards program.

Chase Freedom Credit Card Review

See our full review of the Chase Freedom card.

 

Having access to the Chase rewards redemption options can really be quite convenient. If you are looking to redeem your points for maximum value, then Chase may be the way to go. It offers many options for travel redemptions and offers a similar experience to the US Bank Cash Plus card. It is not as good as the US Bank Cash Plus in some aspects while being superior in others. The decision on which to go with will ultimately rest with you.

 

Decision Time: Is the US Bank Cash Plus Right for You?

Signing up for the US Bank Cash Plus is going to be very helpful for a number of different people. This is among the most convenient cash back credit cards on the market. The rewards program is very good, and being able to choose your own bonus categories is incredibly helpful. If you want to be able to do things in your own way when it comes to earning rewards, then this might be the card for you.

 

This card has high rewards potential, and it also offers you many other conveniences. It is not easy to gain access to this card, as it requires an excellent credit score. Regardless, if you have excellent credit and are in need of a credit card like this one, then it comes highly recommended. It can help you to earn rewards fast, and you can use those rewards intelligently to alleviate some of your financial burdens.

 

US Bank Cash Plus

Introductory Offer:

You'll earn $150 after spending $500 in the first 90 days.

Intro APR offer on balance transfers.

Rewards:

You'll earn 5% on the first $2000 each quarter in 2 selected categories.

Earn 2% on 1 more selected "EveryDay" category.

Benefits:

No limit to total cash back earned.

Annual Fee:

No annual fee.

Our Thoughts:

This is one of the best true cash back cards. You can earn 5% per dollar spent on valuable categories that you get to choose from. Utilities seems like a good option... Plus, you also get 2% on a category like gas, restaurants, or groceries. As a lesser known card, it packs a punch with no annual fee!
LEARN MORE >>

Amex SimplyCash Plus Business Card Review: Earn up to 5% Cash Back

amex simplycash plus review

Running a business is something that can be very satisfying but you need help to keep things going smoothly. When you need to finance things for your business, it can be very good to have a business credit card around. You can use a credit card such as this to make the everyday business purchases that much easier. In many cases, a business credit card will be able to help you earn rewards to help alleviate some of your costs too.

 

There are an absolute ton of business credit cards on the market currently, though. With so many options to choose from, it can be tough to figure out which ones are going to be worthwhile and which ones are better off ignored. This is where we come in to provide you with a little bit of insight. Today we are going to be taking a look at the SimplyCash Plus Business Card from American Express in order to see just how good it really is in all of the important areas.

 

Being able to look at this credit card closely will reveal all of its potentials. You will be able to see whether or not it looks as if it is something that will help your business or not. It’s important to choose the right option when looking into credit cards in order to maximize the benefits to your business. Simply keep reading and you will learn everything you need to know, making it simple to make an informed decision.

 

Amex SimplyCash Plus

LEARN MORE >>
INTRODUCTORY OFFER
Intro APR Offer
REWARDS
You'll earn 5% on US phone service and US office supply stores. ($50,000 limit)
Earn 3% on one selected category. ($50,000 limit)
BENEFITS
It's possible to spend over your credit limit. (amounts vary)
FEES
No annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
This is an excellent no-fee card for your business, especially if you make purchases for phone service and at office supply stores.

 

Amex SimplyCash Plus Credit Card Fees

Knowing the different prices and fees that are associated with a credit card is very important. It is going to play a role in determining just how appealing this credit card is to your business. Thankfully, this one comes across as being particularly good in the fees department. You will not have to pay any type of an annual fee when signing up for this credit card.

 

The lack of an annual fee is also buoyed by the fact that this credit card has a decent introductory APR offer. For the first 15 months that you are a cardholder, you will be able to enjoy a special APR on purchases. This does not apply to any balance transfers that you may be interested in making, though. Even so, it is always good to be able to avoid interest for as long as possible.

 

There are a few fees that you will need to watch out for when using this credit card for your business. One of the most potentially annoying fees is the foreign transaction fee. Every foreign transaction that you make will come with a 2.7% fee attached to it. This may not matter to some businesses but for people who travel abroad frequently, it may wind up being a huge detriment.

 

Late fees are very reasonable with this credit card overall. You will need to pay a $38 maximum late fee when it is called for. This makes it a fairly good card when it comes to fees. The foreign transaction fee is not too unusual and the other fees are within normal ranges, making it nothing that will turn many people away from wanting to sign up.

 

Features of the Amex SimplyCash Plus

There are several beneficial perks that will make it a little more tantalizing to sign up for the SimplyCash Plus. Many of the benefits of this credit card are somewhat standard but there are a few of them that stand out as being really useful. For example, you will be able to receive valuable baggage insurance when making use of this credit card. It helps to protect your baggage when it gets lost, damaged, or stolen.

 

Being able to replace the baggage when it gets lost on an airplane, train, ship, or bus will always be simpler with this card. The baggage will be covered so long as you purchased the fare using your credit card. This coverage is secondary so it will wind up covering the cost of the bag that is not picked up through the carrier’s insurance coverage. Coverage does have limits, though, so you can expect to be able to get $1250 for a carry-on bag and up to $500 for checked baggage.

 

Your credit card is also going to be able to provide you with travel accident insurance. This will give you up to $100,000 in coverage due to dismemberment or accidental death while on a trip. In order to qualify for this coverage, you will need to travel with a common carrier and charge the entire ticket price to your credit card. It may feel as if it is a strange perk to talk about for some but it is good to have this coverage in the event of an accident.

 

Another common benefit that you can take advantage of is purchase protection. Damaged or stolen items that have been charged to your credit card in the last 120 days are covered by this perk. You will be allowed to claim up to $1000 for each item and you have a maximum of $50,000 in claims that you are allowed each year. These protection benefits are quite nice and will allow you to feel a bit safer when purchasing things for your business.

 

Extended warranties are offered when you purchase items with this card as well. Many warranties will be able to be extended for up to two years when you purchase an item with this credit card. This works on eligible warranties that are up to five years. It’s a convenient feature that your business may be able to get quite a bit of use out of.

 

One of the most useful perks is that you get free employee cards. As a business owner, you know that you will sometimes need to empower employees to make purchases on behalf of the business. Being able to get free employee cards makes it easy to give the cards out to your trusted employees so that business can go on as normal. The process of getting employee cards is simple and this will be very convenient for you overall.

amex SimplyCash Plus

 

Rewards Program

The rewards program is going to come across as a bit polarizing for some people. This credit card offers good rewards but there are certain credit cards on the market that have higher rewards potential. It really depends on what type of purchases your business makes on a regular basis. If you are able to use this credit card to its full potential, then it is very easy to justify giving this card a shot.

 

You can earn 5% cash back at U.S. office supply stores as well as on purchases made on wireless telephone services in the US. This 5% cash-back rate will be good for the first $50,000 that you spend in a category year. Once you have reached the limit, you will revert to earning cash back at a 1% rate. Even so, this offers businesses quite a bit of rewards potential.

 

The Amex SimplyCash Plus business card actually offers you a pretty flexible experience when it comes to picking your bonus categories too. You will be able to earn 3% cash back on one category of your choosing. There are many different categories to pick from so it is possible to choose one that you spend a lot of money on regularly. Some of the many categories that you can choose include U.S. restaurants, U.S. gas stations, airfare purchased directly from airlines, U.S. advertising purchases, and much more.

 

As you may expect, the 3% bonus category is going to have a cap placed on it. You can expect the same $50,000 annual cap on the 3% bonus category. Once the cap has been reached, you will be earning cash back at the 1% rate. All purchases made in other categories will earn only 1% back as well.

 

The annual category can be changed out to a different one during the annual selection period. If you do not take the time to change it, then it will continue to remain the same. This does mean that you have to be somewhat proactive if you wish to stay on top of managing your credit card rewards. It is not difficult to accomplish but you just need to know that you have to initiate changing the category during an allotted time.

 

Redeeming your earned rewards is always going to be fairly straightforward as well. You will simply be receiving statement credit automatically on your account. This credit will show up on the second billing statement after earning the rewards. Some may find this rewards redemption option lacking in versatility but others will like how easy it is to use.

 

The Pros

  • No annual fee
  • High rewards potential in many categories
  • Introductory APR
  • Simple rewards redemption structure

 

Being able to sign up for a business credit card that has no annual fee is certainly quite useful. You can justify signing up for this credit card without having to worry about paying for the privilege. You will have access to many useful perks without the need for a high fee. This is a good business credit card that stacks up to many others that are on the market that have much higher fees.

 

The high rewards potential of this credit card is going to be what makes most people give it a look. This card allows you to earn 5% cash back on office supply purchases and wireless telephone services in the U.S. Being able to pick a single bonus category to earn 3% cash back on is very useful too. The rewards will start coming in at a high rate when you make use of this card regularly.

 

You can also enjoy a nice 15-month introductory APR period. Those who like to have a little bit of extra incentive to sign up for a card may be pushed over the edge by having access to this APR. It helps you to save a bit of money when carrying a balance for the first 15 months. Note that the introductory APR is only for purchases made.

 

The simple rewards redemption structure is also very appealing for many businesses. You will not need to worry about figuring out how to maximize your rewards potential through redeeming points in a special way. You just earn statement credit by purchasing things with the credit card. Rewards points redemptions do not get any simpler than this.

 

The Cons

  • The rewards program may be a bit complex.
  • Changing rewards categories have a limited window of opportunity.
  • There are foreign transaction fees.

 

There are also going to be many people who think that this credit card has a rewards program that is too complex. If you want a simple-to-use credit card for your business, then this one may not be the best fit overall. It can offer you pretty good rewards potential but it requires you to really pay attention to get the most out of it. This will not be for everyone and you need to be able to figure out if it will work well for your business.

 

Changing reward categories is actually kind of difficult too. If you want to change your 3% bonus category then you will only be allowed to do so during a specific time each year. If you miss this window of time then you will be out of luck until next year. This has the potential to be very frustrating and could sour your experience just a little bit.

 

Having to put up with foreign transaction fees is always negative as well. If your business has you traveling outside of the country regularly, then this is not going to be the most practical card for you. The foreign transaction fees associated with this card are not higher than usual but the fact that they are there is going to be bad for some. Remember this before signing up if it will impact you in any way.

American Express SimplyCash Plus

 

Credit Score Needed for Approval

One potential downside to this credit card is that it is going to require a very good credit score. If you have a credit score of 690 or higher, then you should have a good chance of getting approved for this card. Those who have lower scores will likely not be eligible. It is always recommended to take the time to check your credit score before applying for a new credit card.

 

Who Does the SimplyCash Plus Business Card Appeal to Most?

This credit card is going to appeal to several different types of people. It is going to be helpful for businesses who buy a lot of office supplies. If you regularly purchase office supplies, then you will be able to earn 5% cash back on all of those purchases. It is easy to take advantage of this and it can help to alleviate some of the costs that you encounter on a regular basis.

 

It is also a good card for people who like to have choices. You get to choose the 3% cash-back category that appeals to you the most. It allows you to ensure that you will get the best rewards potential out of this credit card. This card can work great as an everyday business credit card for many types of businesses due to the diversity in the bonus categories.

 

An Alternative Card to Consider

One good potential alternative to this credit card is the Ink Business Preferred credit card. In some ways, the Ink Business Preferred card is going to be superior. It offers 3X points on up to $150,000 in spending per year. It offers great travel rewards and comes with many different perks that are more worthwhile than some of the perks offered by the SimplyCash Plus Credit Card.

Chase Ink Business Preferred Credit Card

See our full review of the Chase Ink Business Preferred.

 

You should know that the Ink Business Preferred credit card comes with an annual fee attached to it, though. You will need to pay an annual fee of $95. This is not too bad when you consider the high rewards potential of the card. It may be better for those who wish to earn travel rewards instead of earning statement credit so choose wisely.

 

Decision Time: Is the Amex SimplyCash Plus Right for You?

The SimplyCash Plus Credit Card from American Express is a good option for many businesses. If your business has significant office supply expenses, then it definitely makes sense to have access to this card. It will offer you great rewards potential in that category while allowing you to choose another category to earn 3% cash back. This card is nice and simple in some ways while being a little complex in others.

 

As long as you want to receive statement credit, this is one of the better business credit cards to consider. It has no annual fee and it allows you to earn cash back in many great categories. It should work great as a primary business credit card for everyday purchases or as a secondary one. Consider signing up if your business can truly take advantage of what this credit card has to offer.

 

This is not going to be an easy credit card to get for many businesses due to the high credit score requirement. Even so, it is a potentially stellar option. Do not be afraid to try this one out if you qualify for it. It has proven to be a popular option among many businesses and it may work out great for yours too.

 

Amex SimplyCash Plus

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INTRODUCTORY OFFER
Intro APR Offer
REWARDS
You'll earn 5% on US phone service and US office supply stores. ($50,000 limit)
Earn 3% on one selected category. ($50,000 limit)
BENEFITS
It's possible to spend over your credit limit. (amounts vary)
FEES
No annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
This is an excellent no-fee card for your business, especially if you make purchases for phone service and at office supply stores.

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