Travel Freedom Tips

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever

Chase Sapphire Preferred 100k

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

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

 

Chase Sapphire Preferred: The Current Offer

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

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

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

 

What Makes the Chase Sapphire Preferred a Good Credit Card?

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

Chase Sapphire Preferred 100k signup bonus

 

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

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

 

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

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

 

Chase Airline Transfer Partners

chase ultimate rewards transfer partner airlines

Chase Hotel Transfer Partners

chase ultimate reward transfer partner hotels

 

 

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

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

 

Earn Spending Bonuses on Travel and Dining

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

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

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

Chase Sapphire Preferred 100k bonus

 

Combine Other Chase Credit Cards with the Sapphire Preferred

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

6 More Credit Cards that Earn Chase Ultimate Rewards

 

Ultimate Rewards Can Be Transferred Between Card Accounts

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

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

 

Other Ultimate Rewards Credit Card Offers

Chase Freedom

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

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

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

 

Freedom Unlimited

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

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

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

 

Chase Sapphire Reserve

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

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

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

 

Ink Business Preferred

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

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

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

 

Ink Business Cash

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

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

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

 

Ink Business Unlimited

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

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

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

 

Keep It Simple with Chase Ultimate Rewards Cards

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

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

Sapphire Preferred 100k

 

Don’t Forget About the Chase 5/24 Rule

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

Chase 5/24 Rule FAQ’s

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

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

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

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

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

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

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

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

 

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

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

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

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

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

chase ink vs sapphire

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

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

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

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

 

Chase Sapphire: Personal Credit Cards

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

 

Chase Sapphire Preferred

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

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

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

 

Chase Sapphire Reserve

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

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

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

 

 

The Best Chase Sapphire Card

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

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

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

 

chase ink vs chase sapphire

 

Chase Ink: Business Credit Cards

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

 

Ink Business Preferred

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

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

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

 

Ink Business Cash

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

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

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

 

Ink Business Unlimited

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

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

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

 

The Best Chase Ink Card

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

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

chase sapphire vs ink

 

Chase Ink vs Sapphire: Who’s the Winner?

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

 

Best First Travel Card: Sapphire Preferred

Top Premium Travel Card: Sapphire Reserve

Best Card for Earning Points on Purchases: Ink Cash

Top Card for Simplicity in Earning: Ink Unlimited

CHASE INK vs SAPPHIRE CHAMPION: INK PREFERRED

 

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

How to Gain Free Centurion Lounge Access in One Easy Step

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

Have you ever heard of an American Express Centurion Lounge before? They’re known to be the most elite airport lounge brand of them all. If you travel regularly, you’ve probably at least noticed an airport lounge before. They look like a place where only business travelers and the rich are allowed to set foot in. Looks can be deceiving. There are other ways to gain access to these exclusive lounges where members receive free drinks and food in a more luxurious setting than the airport terminal.

The easiest and least expensive way to gain access to airport lounges is through premier travel credit cards. There are a handful of credit cards that offer the benefit of complimentary airport lounge access. Two of those cards offer the elite Centurion Lounge access.

centurion lounge access

 

What is a Centurion Lounge?

A Centurion Lounge is an exclusive room that members can enter while traveling. Inside they will be greeted with comfortable places to sit and lounge, TV’s to watch, newspapers to read, workspaces with computers and printers, and of course, amazing food and drinks that come complimentary.

  • Free high-speed Wi-Fi
  • Lounge pods
  • Computer workspaces
  • Printers
  • Large televisions
  • Premium cocktail bars
  • Showers
  • Buffet style dining at breakfast, lunch, and dinner

While most other lounges have just snacky type food, Centurion Lounges have full on cooked buffet’s that are prepared by chefs and have ever-changing menus. An example of a typical meal available in Centurion Lounges is a menu of fried chicken, wild rice, fresh bruschetta, Brussel sprouts, side salads, and vegetables, with chocolate chip cookies for dessert.

centurion lounge

 

Of course, you’ll find typical drink choices like beer, wine, and cocktails available at the bar, but you’ll also find a menu of specially designed mixed drinks from renowned mixologist Jim Meehan. The drinks are designed around the Centurion Lounge location with recipes like the “Tex Mex” (Tito’s Vodka, Cabeza Blanco tequila, corn, honey, lime, and jalapeno) at DFW in Dallas or the “Big Apple” (Zubrowka Bison Grass vodka, Doc’s draft hard apple cider, Yellow Chartreuse, Miracle Mile celery bitters) at LGA in New York City.

Food and drinks aren’t the only amenities you’ll find at a Centurion Lounge. Some of the Centurion Lounge locations even offer professional spa treatments like massages, skin treatments, and manicures. Yes, these amenities are included too. Once you’re in a Centurion Lounge, what you see is what you get, included. You are free to tip as you’d like but per American Express, it is not expected.

 

How to Get Centurion Lounge Access

Unfortunately, Centurion membership cannot be bought. Gaining Centurion Lounge access can be had in only one way. By applying for one of two American Express credit cards that exclusively offer Centurion lounge access. These two cards are the Platinum Cards by American Express that are offered in a personal and business version. The cards not only come with Centurion Lounge access but also have an array of great travel benefits.

 

Platinum Card from American Express

american express platinum card

60,000 Points after spending $5000 in the first 3 months

Learn More >>
  • Global Lounge Access (including Centurion lounge access)
  • $200 Yearly Uber Credit
  • $200 Airline Statement Credit with One Airline
  • Hilton and Marriott Elite Status
  • Global Entry or TSA PreCheck
  • $550 Annual Fee

Instantly earn Centurion Lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Platinum Business Card from American Express

AMEX Business Platinum Credit Card

Up to 75,000 Points after multiple spending tiers

Learn More >>
  • Global Lounge Access (including Centurion lounge access)
  • $200 Airline Statement Credit with One Airline
  • Hilton and Marriott Hotel Elite Status
  • Global Entry or TSA PreCheck
  • $450 Annual Fee

Instantly earn Centurion Lounge access plus more. Learn more about this card and find out how to apply HERE.

 

If you’re a frequent traveler, the Centurion lounge access alone can make up for the annual fee of either Amex Platinum credit card, but they come with a bunch of very valuable benefits. The travel benefits offered by either of these cards are easily worth over $1000 in value.

I value the introductory offers at more than $1000 because you can often redeem them for at least two cents per point through Amex travel transfer partners. The statement credits are worth about $500 together. Even though the annual fee can look to be very high and be a mental hurdle to get over, it’s a no-brainer when it comes to the value you’ll receive in return.

 

Centurion Lounge Locations

There are nine Centurion lounges worldwide, with eight of those being in the United States. American Express has three more lounges in the works, all of which should open in 2019. There are also another six international lounge locations and two arena locations that Amex Platinum cardholders have access to.

centurion lounge san francisco

 

Las Vegas Centurion Lounge (LAS)

Location: Concourse D, opposite Gate D1

Hours: 5:00 AM to 12:00 AM

Dallas-Fort Worth Centurion Lounge (DFW)

Location: Terminal D, opposite Gate D17 on the upper level
Hours: 5:30 AM to 10:00 PM

San Francisco Centurion Lounge (SFO)

Location: Terminal 3, Boarding Area F, opposite Gate 75 on the mezzanine level
Hours: 5:00 AM to 11:00 PM

New York-La Guardia Centurion Lounge (LGA)

Location: Terminal B, pre-security, third level
Hours: 6:00 am to 8:00 pm

Miami Centurion Lounge (MIA)

Location: North Terminal, Concourse B, 4th floor, across from Gate D14
Hours: 5:00 AM to 11:00 PM

Houston Centurion Lounge (IAH)

Location: Terminal D, near Gate D6
Hours: 5:30 AM to 9:00 PM

Seattle Centurion Lounge (SEA)

Location: Concourse B, near Gate B3
Hours: 5:00 AM to 10:00 PM

Hong Kong Centurion Lounge (HKG)

Location: Just before Gate 60, take the escalators or lift up to the 7th Floor, follow the signs to the lounge entrance
Hours: 5:30 AM to 12:30 AM

Philadelphia Centurion Lounge (PHL)

Location: Near Gate A14
Hours: 5:00 AM to 9:00 PM

 

Centurion Lounge Future Locations

As mentioned above, there are three Centurion Lounges being worked on for future locations. Denver, Los Angeles, and New York will be getting the newest and likely most lavish Centurion lounges in the near future. All three lounges will be very large and all three will likely include a spa inside.

Denver Centurion Lounge (DEN)

The DEN Centurion lounge is expected to be 14,650 square feet and will include all of the Centurion lounge basics, plus even more. It will feature a premium cocktail bar, high-speed internet, hot food buffet, showers, a family room, phone rooms, and a tranquility area for sleeping. On top of those amenities, the Denver Centurion lounge will have a spa (like DFW and MIA). It will also offer local beer and wine tastings within the lounge.

Los Angeles Centurion Lounge (LAX)

The LAX Centurion lounge is expected to be 13,900 square feet and will offer the typical luxurious amenities of all Centurion lounges. It will feature a full cocktail bar, a hot food buffet, and showers. The Los Angeles Centurion lounge location will also feature a spa, a family room, and a “tranquility area” with a mix of bright and dimly lit areas specially designed to help travelers adjust to new time zones.

New York City Centurion Lounge (JFK)

Coming in at an expected 15,000 square feet, the JFK Centurion lounge will be the biggest Amex lounge in their Global Lounge portfolio. It will occupy two levels in terminal 4 at JFK in New York City. While the exact details have not been officially announced, the New York Centurion Lounge should open in early 2019. The lounge will supposedly have extravagant views of the JFK airfield and extraordinary amenities. The amenities will include a complimentary bar, a food buffet, showers, soundproof workspaces, and likely much more. With that amount of space, I wouldn’t be surprised to see a spa as well.

centurion lounge miami

 

Centurion Clubs & Platinum Lounges at International Airports

American Express also has a few international lounges that are accessible for Amex Platinum cardholders. They include the Centurion Clubs and Platinum Lounges located in the following airports:

  • Mexico City (MEX)
  • Buenos Aires (EZE)
  • Rio De Janeiro (SDU)
  • Sao Paulo (CGH)
  • Mumbai (BOM)
  • Delhi (DEL)

 

Centurion Suite Locations in Arenas

American Express has expanded their lounge locations from exclusively in airports to other arenas. Literally, professional basketball arenas to be exact. There are now lounges, which American Express is calling Centurion Suites, in both the Barclays Center in Brooklyn and the Staples Center in Los Angeles. They also had a Centurion Suite at the 2018 US Open Tennis Championship.

At the two arena Centurion Suites, food and drinks are not complimentary but you may have more options than the stadium food. At both locations, there are a limited amount of people who will get access to the lounge and it is on a first come first served basis. You’ll likely need to arrive at the arena when it opens to get access.

Amenities in the Centurion Suites

  • Premium Food & Beverages
  • Dedicated Servers
  • Flat-Screen TVs
  • Limited Seating with a View of the Event
  • Complimentary Wi-Fi Access
  • Phone Charging Stations

centurion lounge lga

 

Our Concluding Takeaway: Amex Platinum is Worth Getting for Access to Centurion Lounges

If it’s luxury travel you’re looking for, access to the Centurion lounges is the perfect way to both start and end your vacation the right way. With an American Express Platinum card you’ll be living a life of luxury the minute you walk into the airport. It gives you both lounge access and priority security so forget having to sit in the crowded, dirty, and expensive airport terminal. Say hello to traveling with comfy seating, amazing complimentary food, custom cocktails and sometimes even spa treatments.

My wife used to call me a “princess traveler” when I first told her about airport lounge access. Now she complains if we’re at an airport that doesn’t have such lounges. Once you get used to traveling in luxury with things like lounge access, it’s hard to go back to the life of a peasant traveler. Go get an Amex Platinum to try it out for yourself. I’ll bet you won’t ever want it to end!

Chase Sapphire Reserve Lounge Access: How to Get It Instantly

chase sapphire reserve lounge

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

Chase Sapphire Reserve lounge access is obtained through the Chase Sapphire Reserve credit card. The Chase Sapphire Reserve is a premium credit card that comes with an array of travel benefits to allow you to travel in luxury. The card comes with features like 50,000 points as an introductory bonus, a $300 annual travel credit, free Global Entry or TSA PreCheck, and of course access to the Chase Sapphire Reserve lounges.

These lounges are also known as Priority Pass Select. Access can be earned by having one of a few different credit cards. While there are a handful of cards that offer Priority Pass Select membership, two of them stand out above the others. The Chase Sapphire Reserve and the Platinum Card from American Express (Learn More). From our reviews, the Chase Sapphire Reserve takes the top spot as the best of the bunch. It offers the most plentiful travel benefits, comes with a great introductory offer, and is good for earning points through purchases.

 

You Can Purchase Priority Pass Access

It’s also possible to buy a Priority Pass membership, but purchased memberships are not nearly as good. Membership through a credit card gives you an exclusive Priority Pass Select, which grants unlimited visits and two free guests included with every visit. If you purchase a Priority Pass membership directly, you are limited on visits and will have to pay $27 per guest.

Here are the regular prices for Priority Pass Lounge access:

  • Standard – $99: Includes membership, but each visit costs $27 for the member and $27 per guest.
  • Standard Plus – $249: Includes 10 free member visits ($27 per visit thereafter). $27 per guest.
  • Prestige – $399: Unlimited member visits. $27 per guest.
  • Select – (exclusive credit card benefit): Unlimited member visits. 2 free guests on every visit.

 

How to Easily Gain Chase Sapphire Reserve Lounge Access for Free

The easiest and best way to get Chase Sapphire Reserve lounge access (aka Priority Pass lounges) is by applying for the Chase Sapphire Reserve credit card. As mentioned before, it comes with a ton of valuable travel benefits as well as the lounge access. The annual fee is high on this luxury credit card, but for good reason. It comes with enough luxurious benefits to far outweigh the fee.

 

Chase Sapphire Reserve

Chase Sapphire Reserve Credit Card

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

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

Instantly earn Chase Sapphire Reserve lounge access.  Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve Lounge Value

As you can see above, membership to Priority Pass lounges (if purchased directly) will cost $399. With Priority Pass Select through the Chase Sapphire Reserve, you will have an even better membership, which could easily be valued at $500. Chase Sapphire Reserve lounge access alone is worth more than the annual fee of the credit card. On top of lounge access, you’ll receive even more travel value from the rest of the benefits. Together, the benefits are valued well over $2000! Obviously, you will only get as much value out of the lounge access as you can use it. This credit card is for people who travel often.

 

Other Chase Sapphire Reserve Benefits

  • 50,000 Point Introductory Bonus

50,000 Chase Ultimate Rewards can go a long way when used for travel. If used in the Ultimate Rewards travel portal, Chase Sapphire Reserve cardholders get 50% more value out of their points. This means that points can be redeemed for 1.5 cents per point, valuing the intro offer at $750. If you want to get even more value out of your points, you can transfer them to one of the many travel transfer partners (hotels or airlines). By transferring points and redeeming them for flights or hotels, you can often get a redemption value of more than 2.5 cents per point. Going this route can make the introductory offer points worth a staggering $1250.

  • $300 Travel Statement Credit

Obviously, this statement credit is worth a total of $300. It is incredibly easy to use and basically works on anything you can imagine that has to do with travel. I even paid off a parking ticket with my Chase Sapphire Reserve and it went toward the travel credit. I don’t advise getting parking tickets to try it out… It has also been reported that some airline and hotel gift cards can be credited as well. Some purchases that should be reimbursed through the travel statement credit are airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

  • Global Entry or TSA PreCheck Membership

When you purchase a membership to either service you will be credited up to $100. This is enough to cover the complete five-year membership. This is one of the best and most affordable perks in the airline industry. Global Entry and TSA PreCheck allow you to go through airport security quickly, without having the empty your bags or take off your shoes. It helps make travel much more relaxing. The longest I’ve ever waited in line to go through security with TSA PreCheck is about five minutes. This Chase Sapphire Reserve benefit is valued at up to $100 (TSA PreCheck is only $85).

These three benefits along with the Chase Sapphire Reserve lounge access can make up for what you pay in an annual fee and then some. Together, the benefits of the card can be worth more than $2000, which is an extraordinary offer.

chase sapphire reserve card lounge

 

How to Enroll Your Priority Pass Membership

Never spend your layover uncomfortable in the terminal again. After you’ve been approved for your Chase Sapphire Reserve credit card you’ll have to enroll online before gaining access to any Chase Sapphire Reserve lounge. You’ll only have to enroll once. Your Priority Pass Select membership will renew each year and they will automatically send you a new Priority Pass card as long as you keep your Chase Sapphire Reserve. If you cancel your credit card, your Priority Pass access will immediately end. To enroll for free, follow these simple steps:

  • Go to Chase Ultimate Rewards and log in
  • Click “Earn Points”
  • Then click “Card Benefits”
  • Under the “Airport Lounge Access” tab, click “Activate Now”
  • Wait for your Priority Pass Select card to arrive in the mail. It usually takes about a week.

 

What to Expect in a Chase Sapphire Reserve Lounge (Priority Pass)

You can expect luxury when you enter a Chase Sapphire Reserve Lounge. Even the less luxurious lounges offer free drinks, a comfortable place to sit down away from the hustle and bustle of airport terminals, and usually some snacks at a minimum. Below are the amenities offered at a typical Priority Pass lounge.

Most Chase Sapphire Reserve lounges have the following general amenities:

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

Some lounges even provide:

  • Showers
  • Conference Rooms (subject to a fee)

At Priority Pass restaurants, instead of getting lounge access, you’ll receive a credit of $28 for yourself and one guest off your final bill. That means if you and a guest go to a Priority Pass lounge together, your Priority Pass Select will allow you to receive $56 off. At most of the Priority Pass restaurants, that’s enough to cover the complete bill.

chase sapphire reserve lounge access

 

Chase Sapphire Reserve Lounge Locations

With over 1200 loungest worldwide and nearly 80 Priority Pass locations in the United States, it’s likely that you’ll find a lounge in the majority of airports you’ll visit. In recent years, they’ve also added some great restaurants to the list. When visiting a restaurant with your Priority Pass Select, you’ll receive $28 of food/drink in place of lounge “access”. At some of the locations, you really have to splurge to use the full allotted amount. In addition to my meal, I usually have enough left over credit to grab a drink and a snack for my flight when I visit a Priority Pass restaurant.

 

Anchorage, AK (ANC)

Alaska Lounge

Location: Concourse C (near Gate C1)
Hours: Mon-Sun, 5:00am – 1:00am


Atlanta, GA (ATL)

Minute Suites

Location: Concourse B, Airside (near Gate B16)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

Minute Suites

Location: Concourse T, Airside (near Gate T8)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

The Club at ATL

Location: International Terminal, Concourse F, Airside, Mezzanine Level (next to the Chapel)
Hours: Mon-Sun, 6:00am – 10:30pm


Baltimore, MD (BWI)

The Club BWI

Location: Concourse D, Airside Upper Level (near Dunkin Donuts at Gate D10)
Hours: Mon-Sun, 4:15am – 10:30pm (3hr stay max)


Boston, MA – Logan International (BOS)

Stephanie’s (Restaurant)

Location: Terminal B, Airside After Security, Departures Level (opposite Gate B24)
*Domestic Flights Only
Hours: Mon-Sun, 4:30am – 30min prior to last scheduled flight

The Lounge

Location: Terminal C, Airside First Floor, Concourse Level (across from Gate C19)
*Not accessible from Gates 40-42
Hours: Mon-Sun, 6:00am – 11:00pm (subject to space constraints, in particular 4:00pm – 8:00pm)

Jerry Remy’s Sports Bar And Grill (Restaurant)

Location: Terminal C, Landside Before Security, Departures Level (opposite Alaska Airlines’ check-in counter)
Hours: Mon-Sun,  2:00pm – 8:00pm (cardholders will not be admitted outside of these hours; also subject to space constraints)

Air France Lounge

Location: Terminal E, Airside (turn right after security toward Gate 4; elevator or stairs to lounge)
Hours: Mon-Sun, 11:30am – 11:30pm (3hr stay max)

The Club

Location: Terminal E, after Security (take the elevator down 1 level)
Hours: Mon-Sun, 5:30am – 1:00am


Charlotte, NC (CLT)

Minute Suites

Location: Airside, Main Atrium (next to the Food Court)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour.


Chicago, IL (ORD)

Air France/KLM Lounge

Location: International Terminal 5, Airside (between Gates M8 & M7 on the left)
*T5 passengers only; smart-casual dress at all times (no shorts, vests, baseball caps, or football shirts)
Hours: Tue-Fri & Sun: 8:15am – 12am, Mon & Sat: 8:15am – 9:30pm (3hr stay max)
(subject to space constraints, in particular 10:30am – 3:00pm & 5:00pm – 7:30pm)

Swissport Lounge

Location: International Terminal 5, Airside (between Gates M8 & M7 on the right)
*T5 passengers only
Hours: Mon-Sun, 12:00pm – 9:30pm


Cincinnati, OH (CVG)

The Club at CVG

Location: Concourse A (between Gates A8 & A10)
Hours: Mon-Sun, 6:00am – 8:00pm


Cleveland, OH (CLE)

Bar Symon (Bar/Restaurant)

Location: Concourse C, Airside (between Gates C4 & C6)
Hours: Sun-Fri: 4:00am – 8:00pm, Saturday: 4:00am – 7:30pm


Colorado Springs, CO (COS)

Mortgage Solutions Financial Premier Lounge

Location: Airside (adjacent to Gate 6)
Hours: Mon-Sun, 4:30am – last scheduled flight departure


Dallas, TX (DFW)

Minute Suites

Location: Terminal A (near Gate A38)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

Minute Suites

Location: Terminal D, Airside (near gate D23)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

The Club at DFW

Location: Terminal D, Airside (adjacent to Gate D22, through “Airline Clubs” double doors, take elevator to 5th floor)
Hours: Mon-Sun, 4:00am – 10:30pm (subject to space constraints, in particular after 1:00pm)


Denver, CO (DEN)

Timberline Steaks & Grille (Restaurant)

Location: Concourse C, Airside, Center Core on the Left
Hours: Mon-Sun, 6:00am – 9:00pm


Detroit, MI – Detroit Metropolitan Airport (DTW)

Lufthansa Business Lounge

Location: North Terminal, Airside (next to Gate D8)
Hours: Mon-Sat: 5:00am – 6:30pm*, Sunday:   11:00am – 6:30pm*


Greenville-Spartanburg (GSC)

RJ Rockers Flight Room (Restaurant)

Location: Airside, After Security (near Gate B3)
Hours: Mon-Sun, 3:30am – last scheduled flight departure


Honolulu, HI (HNL)

The Plumeria Lounge

Location: Inter-Island Terminal, Airside, 3rd Floor (near Wiki Wiki shuttle pick up)
*Not accessible for Arrivals
Hours: Mon, Weds, Fri, Sat: 9:00am – 6:00pm; Tues, Thurs, Sun: 9:00am – 9:30pm
(subject to space constraints)

IASS Hawaii Lounge

Location: Overseas Terminal, Airside, Proceed to Garden Court (towards Gates 14-23, elevator to ground level & follow signs)
Hours: Mon-Sun, 7:30am – 1:30pm & 2:00pm – 6:00pm


Houston, TX (IAH)

Cadillac Mexican Kitchen & Tequila Bar (Restaurant)

Location: Terminal A, Airside (near Gate A17)
Hours: Mon-Sun, 6:00am – 10:00pm (subject to space constraints)

Landry’s Seafood (PP Restaurant)

Location: Terminal C, Airside (near Gate C42)
Hours: Mon-Sun, 6:00am – 10:00pm (subject to space constraints)

Air France Lounge

Location: Terminal D, Airside (opposite Gate D12)
Hours: Mon-Sun, 12:00pm – 5:00pm (3hr stay max; subject to space constraints)

KLM Crown Lounge

Location: Terminal D, Airside (near Gate D8)
Hours: Mon-Sun, 6:00am – 9:00pm (subject to space constraints; 3hr stay max)


Indianapolis, IN (IND)

The Fan Zone (Bar/Restaurant)

Location: Airside, After Security (Near Gate B17)
Hours: Mon-Sun, 8:00am – last scheduled flight departure


Las Vegas, NV (LAS)

The Club at LAS

Location: Terminal 1, Concourse D, Airside, 2nd Level (above Red Line train station, left behind Sugar Factory & Jamba Juice)
Hours: Mon-Sun, 5:00am – 12:30am

The Club at LAS

Location: Terminal 3, Airside (across from Gate E2)
Hours: Mon-Sun, 5:00am – 12:00am


Lexington, KY (LEX)

Kentucky Ale Taproom (Bar/Restaurant)

Location: Airside, After Security, Near Concourse D Entrance
Hours: Mon-Sun, 5:00am – last scheduled flight departure


Los Angeles, CA (LAX)

Virgin Atlantic Clubhouse

Location: Terminal 2, Airside, Level 4 (above departure gates)
Hours: Mon-Sun, 5:30am – 10:45am (no cardholders admitted into the lounge outside of these hours; 3hr stay max)

Alaska Lounge

Location: Terminal 6, Airside, Mezzanine Level (near Gate 64)
Hours: Mon-Sun, 5:00am – 11:00pm

KAL Lounge

Location: Tom Bradley Intl Terminal, Airside (follow signs to All Gates, turn left before Duty-Free, elevator to 5th floor)
Hours: Mon-Sun, 12:00pm – 8:00pm (hours may vary according to KAL international flight schedules; subject to space constraints)

P.F.Chang’s (Restaurant)

Location: Tom Bradley Intl Terminal, Airside (Mezzanine Level)
*International flights only.
Hours: Mon-Sun, 11:00am – 11:00pm


McAllen, TX (MFE)

Salon Aeromar

Location: Landside – behind the Aeromar Check-in counters
Hours: Sun, Mon, Wed-Fri: 9:00am – 5:00pm, Tue closed (3hr stay max)


Miami, FL (MIA)

Air Margaritaville

Location: Central Terminal, Concourse E, Landside (departures level by door 11)
Hours: Mon-Sun, 6:00am – 11:00pm (subject to space constraints)

Viena (Restaurant)

Location: Central Terminal, Concourse E, Landside (Level 2, Miami Intl Airport Hotel elevator to 7th floor, follow signs)
Hours: Mon-Sun, 11:00am – 12:00am (subject to space constraints)

Club America F

Location: Central Terminal, Concourse F, Airside (follow signs to lounge, 3rd floor)
*Customers on international flights only
Hours: Mon-Sun, 7:30am – 9:00pm (hours may vary according to flight schedules)

Corona Beach House (Restaurant)

Location: North Terminal, Concourse D, Airside (Between Gates D23 & D24)
Hours: Mon-Sun, 6:30am – 10:00pm

Avianca VIP Lounge

Location: South Terminal, Concourse J, Airside (Gate J4, escalator to 3rd floor, turn left & left, end of the hall)
Hours: Mon-Sun, 24hrs (subject to space constraints)

VIP Lounge Miami

Location: South Terminal, Concourse J, Airside (near gate J5)
*Dress code applicable (no shorts or sandals)
Hours: Mon & Tues: 12:00pm – 3:00pm; Weds – Sun: 4:00am – 3:00pm


Minneapolis/St. Paul, MN (MSP)

PGA MSP Lounge

Location: Terminal 1, Airside, North End of Airport Mall (stairs btwn Ike’s & French Meadow to Mezzanine Level; can also take elevator inside Ike’s)
Hours: Mon-Fri: 7:00am – 8:00pm, Sat & Sun: 8:00am – 7:00pm (3hr stay max)


New York/Newark, NJ (EWR)

Air Canada Maple Leaf Lounge

Location: Terminal A, Airside (after security checks, near Air Canada departure gates)
Hours: Mon-Sun, 5:00am – 3:00pm

Art & Lounge

Location: Terminal B, Landside, Gate Level before Security (between Gates B2 & B3 or Gates 50 & 60)
Hours: Sun-Fri, 9:00am – 11:30pm (may be subject to space constraints btwn 3:00pm – 7:00pm; 3hr stay max)

Virgin Atlantic Clubhouse

Location: Terminal B, Airside, After Security (Gates B51 – B57, Elevator on Right to Airline Lounges)
Hours: Mon-Sun, 2:00pm – 6:00pm (cardholders will not be admitted outside of these hours; max stay 3 hrs, also subject to space constraints)


New York, NY (JFK)

Air France Lounge

Location: Terminal 1, airside (near Air France boarding area by Gate 1)
Hours: Mon-Sun, 6:00am – 1:30pm & 11:00pm – 1:30am (3hr stay max)

KAL Business Class Lounge

Location: Terminal 1, Airside after security (right-hand side across from Gate 3)
*Passengers with Terminal 1 boarding pass only
Hours: Mon-Sun, 2:00pm – 8:30pm (subject to space constraints)

Wingtips Lounge

Location: Terminal 4, Airside, turn right after security (lounge on the left ~100 meters down)
*Dress code applicable (shoes & shirts required; no baseball caps)
Hours: Mon-Sun, 24 hrs (may be restricted btwn 5:00pm – 1:00am due to space constraints; 4hr stay max )

Alaska Lounge

Location: Terminal 7, Airside after security (mezzanine level)
Hours: Sun-Fri: 5:00am – 10:00pm; Sat 5:00am – 5:00pm
(3hrs prior to scheduled departure, subject to space constraints)

Bobby Van’s Steakhouse (Restaurant)

Location: Terminal 8, Airside after security (opposite Gate 14)
Mon-Sun: 6:00am – 10:00pm


Orlando, FL (MCO)

The Club MCO

Location: Airside, from Gates 1-29 (adjacent to XpresSpa)
Hours: Mon-Sun, 5:00am – 11:00pm

The Club MCO

Location: Airside, from Gates 70-99 (next to InMotion store, near Gate 91)
Hours: Mon 6:00am – 10:30pm, Tue-Sun 6:00am – 9:00pm


Orlando, FL (SFB)

The Royal Palm Lounge

Location: Terminal A, Airside, Intl Departure Lounge (adjacent to Budweiser Tap Room)
Hours: Lounge opens 3 hrs prior to first scheduled flight departure; closes after last scheduled departure or 11:00pm, whichever comes first.


Philadelphia, PA (PHL)

Minute Suites

Location: Terminal B, Airside, between Concourses A & B (in AB connector)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour


Phoenix, AZ (PHX)

The Club at PHX

Location: Terminal 4, Airside, end of N4 Concourse (Gates B15-B28)
*Only passengers on international & domestic flights arriving/departing from T4
Hours: Mon-Sun, 5:00am – 11:30pm (3hr stay max)


Pittsburgh, PA (PIT)

The Club

Location: Concourse C, Airside (across from Gate C52)
Hours: Mon-Sun, 4:00am – 9:00pm


Portland, OR (PDX)

Alaska Lounge

Location: Concourse C, Airside (across from Gate C5)
Hours: Sun-Fri: 4:30am – 10:30pm, Sat: 4:30 – 9:00pm (subject to space constraints)

Capers Cafe Le Bar (Bar/Restaurant)

Location: Concourse C, Airside (immediately after security on L)
Hours: Mon-Sun, 4:00am – 10:30pm

House Spirits Distillery (Bar/Restaurant)

Location: Concourse C, Airside (near Gate 6)
Hours: Mon-Sun, 5:00am – 10:00pm

Capers Market (Restaurant)

Location: Concourse D, Airside (immediately after security)
Hours: Mon-Sun, 4:00am – 10:30pm


San Francisco, CA (SFO)

Air France/KLM Lounge

Location: International Terminal, Concourse A, Airside (first left after TSA)
*Only passengers on flights departing Concourse A
Hours: Mon-Sun, 6:45am – 12:15am (3hr stay max)

San Francisco Giants Clubhouse (Restaurant)

Location: Airside, Concourse F (near Gate 82)
Hours: Mon-Sun, 5:00am – 11:00pm (subject to space constraints)

Yankee Pier (Restaurant)

Location: Airside, Concourse F (near Gate 72)
Hours: Mon-Sun, 5:00am – 11:00pm (subject to space constraints)


San Jose, CA (SJC)

The Club at SJC

Location: Terminal A, Airside, 3rd Level (across from Gate 15)
Hours: Mon-Sun, 5:00am – 10:00pm


Seattle, WA (SEA)

The Club at SEA

Location: Concourse A, Airside (across from Gate A11)
Hours: Mon-Sun, 7:00am – 12:00am

The Club at SEA

Location: South Satellite, Airside (next to Gate S9)
Hours: Mon: 5:30am – 6:00pm, Tue-Sun: 6:00am – 5:30pm
(access may be restricted between 10:00am – 2:00pm; subject to space constraints)


St. Louis, MO (STL)

The Pasta House (Restaurant)

Location: Terminal 1, Lower Level, Pre-Security (close to Baggage Claim)
Hours: Sun-Fri: 10:00am – 8:00pm, Saturday: 10:00am – 6:00pm

The Pasta House & Schlafly Beer (Restaurant)

Location: Terminal 2, Airside, Upper Level (right side, opposite Gate E6)
Hours: Sun-Fri: 6:00am – 10:00pm, Saturday: 6:00am – 6:00pm


Syracuse, NY (SYR)

Johnny Rockets (Restaurant)

Location: Airside Connector, after Security (turn left, towards North Concourse B)
Hours: Mon-Sun, 10:30am – 7:00pm (subject to space constraints)


Tampa, FL (TPA)

The Café by Mise en Place (Restaurant)

Location: Airside F (directly in front of security checkpoint by gate F85)
Hours: Mon-Sun, 4:30am – last flight departure daily


Tucson, AZ (TUS)

Noble Hops (Restaurant)

Location: Landside, 2nd Floor (opposite the “Arroyo Trading Post”)
*Domestic Flights Only
Hours: Mon-Sun, 5:00am – 8:00pm (subject to space constraints)


Washington, DC (IAD)

Air France/KLM Lounge

Location: Concourse A, Airside (opposite Gate A22)
Hours: Mon-Sun, 7:00am – 3:00pm & 7:00pm – 8:30pm (subject to space constraints; 3hr stay max)

Virgin Atlantic Clubhouse

Location: Between Concourses A & B, Airside (in front of Gate A32)
Hours: Mon-Sun, 6:00am – 1:30pm (no cardholders admitted outside of these hours; 3hr stay max)

British Airways Galleries Lounge

Location: Concourse B, Airside, Concourse Level
Hours: Mon-Sun, 7:00am – 2:00pm

Turkish Airlines Lounge Washington

Location: Concourse B, Airside (near Gate B43)
Hours: Mon-Sun, 6:00am – 11:00pm (4hr stay max)

Chef Geoff’s (Restaurant)

Location: Concourse C, Airside (near gate C14)
Hours: Mon-Sun, 6:00am – 10:00pm
(subject to space constraints)


Washington, DC (DCA)

Bracket Room (Restaurant)

Location: Terminal B, Airside (opposite Gate 12)
Hours: Mon-Sun, 5:00am – 9:00pm (subject to space constraints)

American Tap Room (Restaurant)

Location: Terminal C, Airside (near Gates 35-45)
Hours: Mon-Sun, 5:00am – 10:00pm (subject to space constraints)

 

An easy way to find a Chase Sapphire Reserve lounge while traveling through airports is to download the LoungeBuddy app (enter code JnSjMo28aP “Credit” to get a $10 credit to purchase lounge access) to your phone. It’s easy to use. When you arrive at your airport, just open the app and it will tell you what lounges are available and whether you have access through Priority Pass Select. If there is no Chase Sapphire Reserve Lounge at that airport, you may be able to purchase access using the app (and that $10 credit).

chase sapphire reserve lounges

 

Other Credit Cards Offering the Same Lounge Access

The Chase Sapphire Reserve isn’t the only credit card that offers chase sapphire reserve lounge access through Priority Pass Select. The most popular other credit cards that offer this type of lounge access are the Platinum Cards from American Express and the Citi Prestige card. The Amex Platinum cards also come with Global Lounge access, which adds even more airport lounge opportunity. Note that the other benefits of these cards don’t quite match those of the Chase Sapphire Reserve. They’re very close though.

 

Platinum Card from American Express

american express platinum card

60,000 Points after spending $5000 in the first 3 months

Learn More >>
  • Lounge Access
  • $200 Yearly Uber Credit
  • $200 Airline Statement Credit with One Airline
  • Global Entry or TSA PreCheck
  • $550 Annual Fee

Instantly earn Chase Sapphire Reserve lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Platinum Business Card from American Express

AMEX Business Platinum Credit Card

Up to 75,000 Points after multiple spending tiers

Learn More >>
  • Lounge Access
  • $200 Airline Statement Credit with One Airline
  • Global Entry or TSA PreCheck
  • $450 Annual Fee

Instantly earn Chase Sapphire Reserve lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Citi Prestige – Not Currently Taking New Applications (until January 2019)

 

Our Concluding Takeaways: Chase Sapphire Reserve Lounge Access is Worth It

If you want to travel more luxuriously, having Chase Sapphire Reserve lounge access is one of the best ways to do it. The easiest ways to gain access to Priority Pass lounges are by getting the Chase Sapphire Reserve or American Express Platinum credit cards. Both have excellent premium benefits, but the Sapphire Reserve is slightly better and has a lower annual fee. Once you start traveling luxuriously with things like lounge access and priority security, you’ll never want to travel without them.

Capital One Savor: Who’s the King of Cash Back Cards?

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

Is the Capital One Savor card the best cash back credit card? With a popular 4% cash back category it’s definitely worth looking into. We’ll go through all the details of the card and dissect whether it competes for the King of cash back credit cards or not.

 

Capital One Savor Features & Benefits

capital one savor

$500 Cash Bonus after spending $3000 in the first 3 months

Learn More >>
  • Introductory Offer: You’ll earn $500 cash bonus after you spend $3000 in the first 3 months.
  • Earning: You’ll earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • No rotating categories or sign-ups needed to earn cash rewards.
  • No Points Expiration: Cashback won’t expire for the life of the account and there’s no limit to how much you can earn.
  • Fees: No foreign transaction fees
  • Benefits: Capital One cardholders get access to premium experiences in dining, entertainment and more
  • Annual Fee: $95 (waived in year 1)

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

 

The Capital One Savor Introductory Offer: Cashback vs Travel Points

$500 is a very good introductory offer, especially from a cashback credit card. You will not get as much value as you would with travel points, but travel is not always for everyone. With cash back, every point is essentially worth one cent. It makes redemption a brainless process. It doesn’t matter how you use the points, they’ll still be worth one cent.

The other good part about this introductory offer is the fact that the annual fee is waived in year one. That means that you get at least $500 of value without having to pay any sort of fee in year one. I personally think that the introductory offer is the only part of this credit card offer that is good. I’ll explain more about why below when we discuss the annual fee.

Capital One Savor Cash Rewards

 

Earning with the Capital One Savor Cash Rewards Card

The Capital One Savor has a couple very good bonus earning categories. Savor means to taste food or drinks and enjoy them completely, so it makes sense that the Capital One Savor earns 4% on dining (an industry leader). The card also earns 4% on entertainment and 2% on groceries.

For this reason and this reason only, the Capital One Savor is a good option only if you are someone who spends a lot on dining and entertainment. Your food might even taste better, knowing that you’ll be earning 4% back on your meal. If you spend hundreds of dollars dining out each month this is a great credit card for you. If you never eat out, it’s not such a great option.

SAVOR – To taste and enjoy completely.

Here is what Capital One considers to be included in the three bonus earning categories:

Dining: (4X Rewards)

  • Restaurants
  • Fast Food
  • Cafe’s
  • Bars
  • Bakeries
  • Lounges

Entertainment: (4X Rewards)

  • Movies
  • Concerts
  • Plays
  • Sporting Events
  • Tourist Attractions
  • Theme Parks
  • Aquariums & Zoos
  • Pool Halls
  • Dance Clubs
  • Bowling Alleys
  • Record/Video Rental Stores (ummm, do these still exist?!?)

Grocery Stores: (2X Rewards)

  • Supermarkets
  • Dairy Product Stores
  • Specialty Markets
  • Meat Lockers

 

Benefits of the Capital One Savor

Obviously, the dining and entertainment category bonus of 4% is the biggest benefit of the card. Other than the spending bonuses, this card doesn’t offer much in terms of valuable benefits. Especially when compared to other credit cards that come with an annual fee of around $100.

The biggest other benefits are no foreign transaction fees, secondary car rental insurance, roadside assistance, purchase protection and extended warranty, and concierge services. Honestly, I wouldn’t use any of these. When I purchase something, I’m typically OK with the price I paid. I don’t shop much outside of the United States. As far as rental car insurance, I have other Chase credit cards that give me primary car rental coverage.

Capital One Savor Rewards Card does not bring much to the table (besides dinner). Outside of the introductory offer and the earning bonuses on dining and entertainment, there are no benefits that fit having an annual fee.

capital one savor cash

 

Competitors to the Capital One Savor

There are a few competitors to the Capital One Savor card that I want to bring up. They compete in two different ways. First, if you are interested in travel you should look into the Chase Sapphire Preferred. It touts the same annual fee (also waived in year 1) and comes with much more value if used towards travel. If it’s cashback that you’re truly interested in, there are no fee cards that are very similar and will save you nearly $100 per year.

 

Chase Sapphire Preferred

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

  • Points can be transferred to partner airlines and redeemed for variable rates (sometimes over 2 cents per point).
  • Earn 2X Points on travel and dining.
  • Annual Fee: $95 (waived in year 1)

If redeemed for travel through the Chase Ultimate Rewards partner airlines, this introductory offer can be worth more than $1000!

This is the best travel credit card for beginning points travelers. Learn more about this card and find out how to apply HERE.

 

Chase Freedom

$150 Cash Back after spending $500 in the first 3 months.

  • Rotating quarterly categories earn 5X on purchases (categories like dining, travel, gas, groceries, warehouse stores, using Chase Pay).
  • Points can also be used for travel at a higher rate by transferring points to a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Preferred).
  • No Annual Fee

You can earn a ton of points (up to 7500 or $75 cashback per quarter) with the rotating category spending bonuses.

This rewards card pairs well with any of the premium Chase travel credit cards. Learn more about this card and find out how to apply HERE.

 

As I mentioned above, the benefits of the Capital One Savor card don’t seem to fit the annual fee, but it may still be worth applying for. That’s because it is possible to convert the Capital One Savor into a Capital One SavorOne card before your annual fee is due in the second year.

capital one savor credit card

 

Is it Worth Paying the Annual Fee?

No. Paying the annual fee for the Capital One Savor is not worth it. I’ll tell you why, and I’ll also tell you why it’s still worth applying for the card. Get the $500 introductory offer and then enjoy almost as good spending bonuses, but without an annual fee. How? Convert your card over to the Capital One SavorOne card before your annual fee is due.

The only major difference between the Savor and the SavorOne is 1%. The Capital One SavorOne card earns all the same cash back except it earns 3% on dining and entertainment instead of 4%. Does that 1% make the Capital One Savor worth the extra $95 expense each year? Well, unless you spend $9500 on dining and entertainment on the card, NO!

That’s how much spending it would take on dining and entertainment to make up the difference of the $95 annual fee. I doubt you spend that much on dining and entertainment, so it might make sense to consider converting your Capital One Savor into the no-fee version.

Citi ThankYou Premier: How Does this Card Compare to the Best?

citi thankyou premier

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

The Citi ThankYou Premier card is one of Citibank’s top credit card offers. It comes with a substantial introductory offer, has good earning potential, and it’s points are very redeemable. With all these great features, how does it stand up next to it’s biggest competitor? The Chase Sapphire Preferred is known as the best first travel credit card for people to get. It boasts many of the same benefits as the Citi ThankYou Premier and is going after the same market of customers. We’ll dive more into the details of the Citi Premier card and also compare it to the Chase Sapphire Preferred.

 

Citi ThankYou Premier: What it Offers

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

Citi ThankYou Premier Card

  • Introductory Offer: You’ll earn 50,000 ThankYou points after spending $4,000 in purchases in the first 3 months.
  • Bonus Earning: You’ll earn 3X points on travel (including some gas stations). 2X points on dining & entertainment.
  • Point Redemption: Points are redeemable for airfare on any airline, booked through the ThankYou Travel Center, on gift cards at thankyou.com or by transferring points to participating airlines.
  • Fees: No Foreign Transaction Fees
  • Annual Fee: $95 Annual fee (waived in year 1)

Credit Score Needed for Approval: Excellent

 

Citi ThankYou Premier Review

What We Like:

At 50,000 points, the introductory offer for the Citi ThankYou Premier card is very good. Those points are worth at least $500, but by redeeming them for travel using the ThankYou Travel Center you’ll guarantee a value of $625. With available airline transfer partners, you can also convert your ThankYou points into airline miles to get even better redemption rates.

The earning potential is also very good on this credit card. You’ll earn extra points on some common expenses like gas stations, dining, and entertainment. Instead of earning 1 point per dollar, you’ll get two or three points.

What We Dislike:

The Citi ThankYou Premier does come with an annual fee of $95. For most people, the card will not warrant paying this fee every year. Fortunately, the annual fee is waived in the first year. Also, you can potentially downgrade to the Citi ThankYou Preferred which has no annual fee.

 

Earning Citi ThankYou Points with the Premier Card

What Counts Towards Travel Spending: (3X)

If you travel frequently, this is a great credit card for you to earn points on. Here are some travel purchases that will earn you the 3X points per dollar:

  • Airlines
  • Hotels
  • Gas Stations (except at warehouse clubs, discount stores, department stores, and convenience stores)
  • Car Rentals
  • Travel Agencies
  • Tour Operators
  • Commuter Transportation
  • Buses
  • Taxis/Limos/Car Services
  • Cruises
  • Bridge/Road Tolls

There are a few travel-related expenses that are excluded including auto clubs, fuel used for non-automobile purposes, recreational camps, and insurances.

What Counts for Dining Spending: (2X)

Dining is another spending category bonus. Dining purchases will earn 2X points per dollar spent including these:

  • Restaurants
  • Fast Food
  • Cafe’s
  • Bars
  • Lounges

Excluded from the dining spend bonus are bakeries and restaurants and cafes that reside within department stores, grocery stores, or warehouse stores.

citi thankyou premier bonus

 

What Counts for Entertainment Spending: (2X)

Entertainment as a category is kind of a broad term. It’s nice to know what will actually earn bonus points when purchased. Here are the types of entertainment that will earn 2X points per dollar spent:

  • Movie Theaters
  • Sporting Events
  • Concerts
  • On-demand Streaming Media
  • Amusement Parks
  • Tourist Attractions
  • Live Entertainment
  • Theatrical Productions
  • Record/Video Rental Stores (do these still exist somewhere?!?)

As with the other two categories above, there are a few entertainment purchases that are excluded from earning the bonus points, including sporting camps, sports complexes, golf courses, country clubs, bowling alleys, musical instrument stores, video game stores/arcades, bookstores, and charitable organizations.

 

Redeeming Citi ThankYou Points

There are three main ways to redeem your Citi ThankYou Premier points. Depending on how you decide to redeem your points, you’ll get a point value from one cent up to many cents per point. ThankYou points can be redeemed for travel, merchandise, gift cards, Amazon purchases or by transferring them to partner airlines.

 

Book Travel through ThankYou Travel Center (1.25 cents per point)

One of the best options for redeeming ThankYou points is through Citi’s Travel Center on ThankYou.com. When you book travel using your points you will get an increased rate of redemption at 1.25 cents per point. The 25% increase in value makes it well worth redeeming your points for travel. Through the travel center, you’re able to book flights, hotels, cars, activities, and cruises.

Buy Merchandise or Gift Cards at ThankYou.com (1 cent per point)

While buying merchandise or gift cards is not usually the most valuable redemption, it can make sense for some people. Each point will be worth one cent when redeemed in this fashion. If you’re unable to travel or simply don’t like traveling, it might make sense to use your points to buy things you’ve been wanting or needing. Maybe a new big screen TV gets you a little more excited than a trip across the world. This redemption method is for you.

Use ThankYou Points for Amazon Purchases

The merchandise and gift cards over at ThankYou.com might be a bit obsolete when you can just use your points on Amazon. Points will again be worth just one cent per point, but if you’re looking to buy products instead of travel Amazon is probably the place. It’s easy to link your accounts within Amazon to start using points.

Also, occasionally Amazon will give heavy discounts on certain products when you use at least one ThankYou point toward your purchase. Recently, I bought some Amazon Fire HD’s to give away because I received $40 off each tablet simply by using 1 ThankYou point on my purchase. I guess that means I got $40 per point on that redemption! Too bad we can’t always get a value like that…

Transfer Points to Airlines (variable point values)

Transferring Citi ThankYou Premier points to airline partners can often be the most valuable redemption. If you transfer your points into an airline and use those points for a free flight that would have been very expensive, you will have saved a lot of money. Therefore, you can get redemption rates well above 2 cents per point. For instance, if you use 30,000 points to book a flight that would otherwise cost $600 out of pocket, you have redeemed your points for 2 cents per point.

 

ThankYou Points Airline Partners

All of the following airlines are transfer partners of Citi ThankYou points at a 1:1 ratio except JetBlue which has a 10:8 transfer ratio. Sometimes, certain airlines will have a promotion that will give you a better redemption rate such as 25% extra miles.

  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Garuda Indonesia Miles
  • Jet Airways JetPrivilege
  • JetBlue TrueBlue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Royal Orchid Plus
  • Virgin Atlantic Flying Club

 

Other Useful Benefits of the Citi ThankYou Premier Card

Besides earning points, the Citi ThankYou Premier credit card has some other beneficial perks. The non-points benefits of the Citi ThankYou Premier are that it has no foreign transaction fees and it comes with valuable travel and purchase protections.

Purchase Protections Include:

  • Price Rewind – get a refund if the item you purchased has a lower price within 60 days.
  • Extended Warranty Protection – adds 24 months onto manufacturers warranties.
  • Damage and Theft Protection – repairs or replaces items that are damaged or stolen within 90 days.
  • Return Protection – refunds purchase price if the merchant won’t accept a return within 90 days.

Travel Protections Include:

  • Trip Delay Protection – If your trip is delayed at least 12 hours you may be reimbursed for expenses incurred.
  • Lost Baggage Protection – If baggage is lost, stolen or damaged you may be reimbursed for repair or replacement.
  • Baggage Delay Protection – If baggage is delayed more than 6 hours you may be reimbursed for necessary purchases.
  • Trip Cancellation & Interruption Protection – you may be reimbursed up to $5,000 for non-refundable trip expenses.
  • Auto Rental Insurance – covering up to $50,000 on most vehicle types. You receive secondary insurance in the US and primary abroad.

citi thankyou premier benefits

 

Citi ThankYou Premier vs Chase Sapphire Preferred

Now we’ll compare the Citi ThankYou Premier to its competitors. Is the ThankYou Premier as good as the Chase Sapphire Preferred card? Let’s find out.

 

 CITI THANKYOU PREMIERCHASE SAPPHIRE PREFERRED
WINNER
Introductory Offer:50,000 points after spending $4000 in the first 3 months50,000 points after spending $4000 in the first 3 months
Earning Points:3X on Travel
2X on Dining & Entertainment
2X on Travel & Dining
Redeeming Points:1.25 cents per point on Travel

Airline Transfer Partners
1.25 cents per point on Travel

Airline & Hotel Transfer Partners
Other Benefits:Purchase Protection

Travel Protection

Secondary Rental Car Insurance
Purchase Protection

Travel Protection

Primary Rental Car Insurance

 

Although these two credit cards are very similar in their features, the Chase Sapphire Preferred comes out victorious from this comparison. The Citi ThankYou Premier does have a better earning potential but falls short to the Chase Sapphire Preferred in point redemption value and extra benefits. The Sapphire Preferred has more and better transfer partners, including a few hotels. It also comes with primary car rental insurance, while the Citi ThankYou Premier only comes with secondary insurance.

Overall, the Citi ThankYou Premier is a very good travel credit card and comes with a significant introductory offer. To even be able to compete with the Chase Sapphire Preferred means that it can hold it’s own. If I had to choose between the two cards, I would choose the Chase Sapphire Preferred. But, if you’ve already applied for the Sapphire Preferred or are over the 5/24 Chase rule, the Citi ThankYou Premier card is a great alternative.

SPG Amex Review: Is This Credit Card Still Any Good?

spg amex card

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

The SPG Amex credit card used to be touted as one of the best travel credit cards. Is it still as good as it used to be? We’ll find out. Since the merger of Marriott and SPG (Starwood Preferred Guest) hotels, the co-branded credit cards have changed. Especially the SPG Amex credit cards due to the changes in their point structure.

During the merger, SPG points were converted at a 1:3 ratio into Marriott Rewards points. Because of this, the SPG Amex introductory offer changed from a typical 25,000 points to the now 75,000 points. The introductory offer was not the only thing that changed with the SPG Amex. We’ll review the Amex SPG card in more detail to figure out if it’s still a good credit card or not.

 

Changes to the New SPG Amex Card: Features & Benefits

The SPG Amex credit cards made it through the merger still intact, but they had some changes in the process. Some of them are good and some of them are bad. We’ll try to decide whether the card is still good overall.

New Earning Potential with the SPG Amex Cards

The earning potential from the cards changed. Purchases used to earn 1X on all non-bonus spending. Now those purchases earn 2X points which may sound better but it’s not. SPG points were converted into Marriott points during the merger at a 3:1 ratio. This means that points are now a third as valuable. Because your purchases now earn 2 points, that means you’re getting a final value of 2/3 what you used to.

One positive change to how points are earned is the addition of bonus spending categories for the Amex SPG business card. It now earns 4X points on US restaurants, gas stations, on cell phone services from US providers and on US shipping purchases.

Free Night Awards on Your Cardmember Anniversary

The huge positive change to the cards is the addition of a free anniversary night at hotels up to Marriott category 5 (up to 35,000 points). Having a free night award each year more than offsets the annual fee that the cards hold. Marriott has 8 categories, but there are some amazing properties in category 5. Check out our review of the best Marriott category 5 resorts in the United States to get an idea of what you can use your free night on.

Elite Status with Marriott

With the Amex SPG business Card, you’ll earn automatic silver elite status and gold status if you spend over $35,000 on your card in a year. Silver Elite status within Marriott Rewards gives you a 10% earning bonus when you book a Marriott room and priority late checkout. These benefits aren’t worth much, but they’re better than nothing I suppose. Gold status gives you enhanced room upgrades, but spending $35,000 on this card might not be worth it.

Between the status upgrade and the extra spending benefits, it’s obvious that the business SPG Amex is the clear-cut winner between the two cards. If you’re able to get the business card, it’s a no-brainer over the personal card considering they have the same annual fee and the business card has more benefits. It’s mind-boggling why the two cards aren’t exactly the same as far as benefits.

amex spg card

 

Amex SPG Card

75,000 Points After Spending $3,000 in the First 3 Months

spg card art marriott category 5

Learn More >>

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 2X points on all other qualifying purchases.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

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

 

Amex SPG Business Card

75,000 Points After Spending $3,000 in the First 3 Months

spg business card art marriott category 5

Learn More >>

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 4X points at US restaurants, US gas stations, cell phone services from US service providers, and on US shipping purchases. 2X points on all other qualifying purchases.
  • Elite Status: Complimentary Silver Status with your Card. Earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: starting January 1, 2019, the spend threshold will increase to $35,000.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

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

 

Marriott Rewards Points FAQ

  • Does Marriott Have Transfer Partners?

Yes, since the merger Marriott Rewards now has the most transfer partners of any points system. Marriott points can be transferred to airline miles at a 3:1 ratio (plus 5k bonus points for every 60k Marriott Rewards points transferred). The best airline options are Alaska Airlines, Japan Airlines, United Airlines, American Airlines, All Nippon Airways, and Korean Air.

  • How much are Marriott Rewards points worth?

Marriott Rewards Points are worth approximately 0.8 cents per point when redeemed for hotel stays and 0.7 cents when transferred to partner airlines.

  • Do Marriott Rewards points expire?

Yes, they only expire if you don’t earn or spend any Marriott Rewards points in a 24 month period. As long as you earn or spend at least 1 point, the expiration date will extend another 24 months. Because points are stored in your Marriott account and not in your credit card account, points will not expire if you cancel your card.

 

Booking Free Nights with Marriott Rewards Points

Marriott Rewards has eight different redemption categories, ranging from 7,500 points all the way up to 85,000 points per night. These point levels are for booking a standard room (not including peak and off-peak dates). As seen in our review of the category 5 resorts in the US, there are some great properties to stay at for a reasonable amount of points. Personally, I prefer the award chart of Hyatt to this as their points are much more valuable.

You can also transfer points from Chase Ultimate Rewards credit cards to Marriott just like you can with Hyatt. The problem is you’ll lose a ton of value transferring to Marriott because their points are worth so little compared to their competition.  Here is a chart that shows how many points it will take to book a free night in each Marriott Rewards category.

CategoryOff-PeakStandardPeak
15,0007,50010,000
210,00012,50015,000
315,00017,50020,000
420,00025,00030,000
530,00035,00040,000
640,00050,00060,000
750,00060,00070,000
870,00085,000100,000

*Category 8 will not be used until Feb 1st, 2019

**Only Standard Rates will be used through 2018.

 

Earning Marriott Rewards Points

Marriott Rewards points can be earned in multiple ways. By far the easiest way is by applying for any of the credit cards that earn Marriott Rewards, such as the two SPG Amex cards. You’ll earn enough Marriott Rewards points through the introductory offers to stay up to 10 nights at some of the lower end hotels or one night at their top end properties after a bit of spending.

You’ll also earn points by making purchases on the cards, although you could be earning more value by spending on other cards. It seems that with the new Marriott Rewards program, the best value for points is on their high-end luxury properties. They used to cost hundreds of thousands of points per night, but now can be had with 70,000 points if you book during the “Off-Peak” season.

 

Marriott Rewards’ 5th Award Night Free

One thing that is great about the Marriott Rewards program is their 5th Night Free perk on award nights. If you book a stay of 5 nights using your points, you’ll only pay the number of points for 4 nights. When booking a room at a Marriott category 8 hotel you would pay 340,000 points instead of 445,000 which is a pretty big chunk of points saved. With that said, keep in mind on your next Marriott stay that if you’re booking 4 nights, you might as well add an extra night considering it’s complimentary.

amex spg business card

 

Understanding Your Annual Free Night Award

After your cardmember anniversary with the SPG Amex credit cards, a free night award will appear in your Marriott Rewards account. You’ll find the award night on the “Activity” page. To use your free night award, you’ll log in to your account and search for a hotel night selecting the “Use reward points” checkbox. On the “Reservation Details” page, you’ll have the option to use your free night award. Continue booking your stay as you normally would. Your Free Award Night credit will be applied to the reservation giving you a free night.

Note, that at some hotels you will still have to pay a “Resort Fee”, which is a made up worthless fee charged by many hotels to get extra money out of you for basically nothing extra in return.

You’ll be able to use your free night award on any category 1-5 hotels, but be aware that only Marriott category 5 hotels with standard or off-peak pricing will be bookable. Category 5 peak pricing is above the 35,000 point limit that comes with your free night award.

Are you just short of having enough points for the room you want? When booking a stay with Marriott Rewards, you have the option to use both points and cash. This is pretty handy for those straggling points you can’t seem to figure out how to use. Also, if you have any other questions about booking a stay using Marriott Rewards you can check out Marriotts official FAQ page.

 

Redeeming at Category 5 Hotels will get the Best Value

As mentioned above, you can use your free night awards at any Marriott category 1-5 hotels, but you’ll usually get the most value if you stay at a category 5 resort. With the addition of Starwood hotels, there are now a total of 1138 Marriott category 5 hotels worldwide and 695 in the United States alone, so you’ll have many to choose from.

Free night awards at category 1-5 Marriott hotels can be worth a high value. The value of your stay ultimately depends on where you stay. Some Marriott category 5 resorts can save you upwards of $700 for a single night!

Yes, you’ll have to pay the $95 annual fee for the SPG Amex cards every year. But, if you use your free night award for a hotel stay costing more than $95, it’s worth it. It’s easy to find a hotel stay that will at least cover the $95 fee you pay. For instance, you could use your free night at the Westin Hapuna Beach Resort. It sometimes costs over $700 per night! By using your award it would be like paying $95 for a $700 room. I’d say that’s a pretty valuable redemption.

 

Remember, the best way to earn Marriott points is by getting an SPG credit card. Plus, you’ll get a free night award every anniversary.

Wanna Get Away? Learn How to Save Money with Southwest Airlines

Wanna Get Away

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

If you’ve never flown Southwest before, it can be a daunting task to figure out what’s going on. Southwest does things a little bit different than most other airlines. I love them for it, and so do most people who take the time to understand how the process works. I’ve found that I save a ton of money by flying Southwest and I’m sure you could too. Also, because I often use points for flights, I save a lot of points by knowing how Southwest works. Everyone has heard Southwests slogan “Wanna Get Away”, but not everyone knows what a Wanna Get Away fare is.

 

What is a Southwest Wanna Get Away Fare?

First, we’ll start by learning about the types of flight booking fares that Southwest has. Southwest Has 3 different booking fare types. They’re called “Business Select”, “Anytime”, and “Wanna Get Away”. So, what’s the difference between them? In the big picture, the only difference that really matters is the price you’ll pay. There are other small differences like automatically getting to board first, a priority boarding line at some airports, and a free in-flight alcoholic drink. But, do these differences really matter very much?

The Difference Between Southwests Booking Fares

The only difference, besides the price, that may matter to you is the ability to get a refund on a canceled flight. Wanna Get Away fares are the only ones that don’t offer a traditional refund. Later on, I’ll explain to you why I don’t think any of these features warrant paying extra money (or points) for your flight. Wanna Get Away fares can be very low priced and extremely cheap compared to Business Select and Anytime fares. In fact, I’ve never booked a flight outside of the Wanna Get Away fare class. It just doesn’t make sense for me to book the others.

southwest booking fares wanna get away

 

As you can see, there’s really not that much of a difference in the three booking fares. When booking a Wanna Get Away fare, you’ll still be able to check two bags for free, you’ll still have no change fees, and you can still cancel your flight and get reusable funds to use on another flight within 12 months (almost as good as a cash refund). I calculate the value of a Business Select fare at about $20 of value more than a Wanna Get Away fare. Here’s how I calculated that:

  • Priority Security: $4 Value (TSA PreCheck is $85 for 5 years)
  • Priority Boarding: 5 Minute Value (you can set an alarm to check in at 24 hrs)
  • Complimentary Premium Drink: Up to $7 (Southwest Drink Menu)
  • 600 Extra Miles per $100 Spent: $9 (1.5 cents per point)

 

Southwest Wanna Get Away Fares Save Money

Get Priority Security with TSA PreCheck

When it comes to priority security, you can get it in other ways. I recommend purchasing TSA PreCheck if you travel much at all. It gives you priority security lines for EVERY flight, no matter which airline you’re on and it’s only $85 for a 5-year membership! That’s the best $17 per year you can possibly spend toward travel.

EarlyBird Check-In for $15

If being one of the first people to board the plane is important to you, Southwest offers “EarlyBird Check-In” which automatically checks you in before the 24 hours before your flight. It costs $15-25 for each one-way flight.

Get Group A Boarding by Setting an Alarm

Or, you can basically get priority boarding for free on Southwest flights, by doing one simple thing. Set an alarm on your phone for 24 hours and 5 minutes before your departure time. When your alarm goes off, open the Southwest app on your phone and wait to check-in until exactly 24 hours before your flight. You’ll use your confirmation number and last name to check in. It’s as simple as that to always get boarding group A. This technique has never failed me and is far better than paying extra money simply to check in. I can’t help you with the complimentary drink, but hey, they only cost $6-7…

southwest airlines companion pass

 

Southwest Fare Types: Paying with Cash

The difference in prices for a Wanna Get Away fare and the other two fare types are astronomical. Just see the booking table below for a flight I was searching for. The top table shows dollar amounts for flights and the bottom table shows the same flight costs if using points.

southwest booking wanna get away


Southwest Fare Types: Paying with Points (same flights as above)

southwest booking with points wanna get away

Save even more money by booking your flight with points. Don’t know how to earn Southwest Rapid Rewards points? It’s as easy as getting a new credit card (or two). I’ve earned hundreds of thousands of Southwest Rapid Rewards points through the co-branded Southwest credit cards and through the Chase Ultimate Rewards credit cards. Ultimate Rewards can be transferred to Southwest at a 1:1 ratio.

It’s even possible to earn the coveted Southwest Companion Pass through credit card introductory offers alone. My wife and I have a companion pass through the end of 2019, which means we fly 2 for 1 on every Southwest flight we take (including flights booked with points). It essentially doubles the value of your Southwest Rapid Rewards points.

 

Wanna Get Away Fares are 4X Cheaper

As you can see in the booking table above, Wanna Get Away flights are nearly 4X cheaper than the other fare types. Is it worth paying 4X more, essentially to get a free $5 drink?!? I don’t think so. With the money you saved, you could go buy a 5-year membership to TSA PreCheck, buy a top-notch alarm, AND buy a few cases of alcohol. You do the math… Next time you book a flight on Southwest, I wouldn’t look at anything but Wanna Get Away fares.

The bottom booking table shows the flights in points prices. As you can see, Southwest points are worth about 1.5-2 cents per point when used to book Wanna Get Away fares. This is a great way to use your points for a high-value return. You can make it even higher (double the value) by earning a Southwest Companion Pass as my wife did.

 

Southwest Airlines Check In Process

The Southwest Airlines check in process is different than other airlines. Everyone boards the plane in the order of their boarding position. When you check in for the flight you will be given a boarding position with a letter and a number. For example, if you were to check in 24 hours before your flight using the alarm procedure I described earlier, you might get boarding position A34.

The boarding process goes like this. Group A boards the plane first (then B, then C) and with A34 you would board 34th out of all passengers. When you board, you have the option to sit in any available seat. So, basically the earlier you board the closer to the front of the plane you will sit (unless you like the back). The only important parts of boarding early are getting a seat next to your travel partner(s) and getting the seat you want (window or aisle). I doubt you like the middle seat, but who knows…

 

Southwest is Testing a New Boarding Process

wanna get away southwestAt a few airports, Southwest is currently testing out a new boarding and deplaning process. In Burbank, Long Beach, Sacramento, and San Jose Southwest is boarding and deplaning through both the front and back doors of the plane. Opting into boarding or deplaning through the back door means you will have to walk up or down portable stairs leading to the plane. You’ll still be welcomed to sit wherever you desire. They are testing this out to see if it will speed up the boarding process and get passengers to their destinations sooner.

 

 

Wanna Get Away? Funny Southwest TV Commercials

Here are some reasons you may wanna get away. While looking into Southwest Wanna Get Away fares, I came across this compilation video of Southwest TV commercials. I found a lot of them to actually be pretty funny and bring back memories of when they were airing on television. Take a few minutes to watch and they might give you some Wanna Get Away inspiration.

 

Where Does Southwest Fly? Hint: It’s not just the SW

Southwest is absolutely not just a regional airline anymore. They have 103 total destinations including 15 internationally and 4 in Hawaii. The routes that Southwest flies cover the whole United States and beyond, flying into Mexico, Central America, and the Caribbean.

 

Credit Cards that Earn Southwest Rapid Rewards

There are four credit cards that earn Southwest Rapid Rewards directly. They typically offer between 40-60,000 points as an introductory offer. If you time your applications right and are approved for both a personal and business card, you can even earn a Southwest Companion Pass automatically. To earn the Southwest Companion Pass you must earn 110,000 points in one calendar year.

 

Southwest Rapid Rewards Plus

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

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

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

 

Southwest Rapid Rewards Premier

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

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

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

 

Southwest Rapid Rewards Priority

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

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

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

 

Southwest Rapid Rewards Premier Business

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

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

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

how to get southwest companion pass

 

Earning Even More Southwest Rapid Rewards Points

There are some other credit cards that offer the ability to transfer to Southwest. Chase Ultimate Rewards transfer at a 1:1 ratio into Southwest Rapid Rewards. If you have a companion pass, you can also book Southwest flights through the Chase Ultimate Rewards travel portal and then add your companion to the flight.

 

Chase Sapphire Preferred

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

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

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

 

Chase Freedom

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

Chase Freedom Credit Card Review
  • Introductory Offer: You’ll earn a $150 Bonus (via 15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening
  • Introductory APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • Earning Categories: You’ll earn 5 points per $1 spent on up to $1,500 in combined purchases in bonus categories each quarter you activate.  The categories are things like grocery stores, gas stations, internet, cable, phone services, Walgreens, and even using Chase Pay.  You’ll earn unlimited 1 point per $1 spent on all other purchases.
  • Free Credit Score: View your credit score, updated every week on Credit Journey.
  • Annual Fee: No annual fee

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

 

Chase Sapphire Reserve

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

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

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

 

Wanna Get Away? Go For It

If you wanna get away, there are a lot of options to do so. When flying Southwest, I’d recommend always booking a Wanna Get Away fare. It will save you either money or points and will give you nearly just as good of an experience. Remember, Wanna Get Away flights are 4X cheaper than the other booking fares. That’s the most important thing when it comes to booking your flight.

 

Marriott Category 5 Resorts: The Best Way to Use Your Free Night Awards

marriott category 5

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

The Marriott rewards program has seen a lot of changes recently. The addition of Starwood and the SPG rewards program is the largest change of all. Along with these changes come alterations to their co-branded credit cards. Now there are multiple credit card options to earn free Marriott stays which can be used to stay at Marriott category 5 hotels.

One of the options, the newly reconfigured Marriott Rewards Premier Plus credit card (personal or business card) offers an introductory offer of 2 free nights at Marriott properties that cost 35,000 points or less. It also comes with a free night award every calendar year that you keep the card. The 35,000 points are equivalent to a Marriott category 5 hotel. The other option, the Starwood Preferred Guest credit card from American Express (which also comes as a personal or business card), offers points as an introductory offer and also gives a free night award at a Marriott category 5 hotel annually.

 

Get The Most Value with Marriott Category 5 Resorts

Since you can use your free night awards at any Marriott category 1-5 hotels, you’ll usually get the most value if you stay at a Marriott category 5 resort. There are 8 Marriott Rewards categories in all but don’t worry, Marriott category 5 is the most plentiful when it comes to resorts. With the addition of Starwood hotels, there are now 1138 Marriott category 5 hotels worldwide and 695 in the United States alone. We’ll focus on just the Marriott category 5 resort properties. There are 162 Marriott category 5 resorts worldwide and 56 in the United States.

If you’re wondering how much a free night award at a category 1-5 Marriott is worth, it depends on where you stay. Some Marriott category 5 resorts can cost upwards of $700 for a single night. But, by having one or both of the Marriott credit cards you’ll earn at least one free night award automatically on every cardmember anniversary.

 

Is The Free Night Award Worth The Annual Fee?

Earning the free night award does come with a fee. The $95 annual fee for either the Marriott Rewards Premier Plus credit cards or the SPG Amex cards. Every year, if you use your free night award for a hotel stay that would normally cost more than $95, it’s worth keeping the credit card and paying the annual fee. If you keep this card in your wallet and pay the annual fee, you can easily find a redemption that is worth a few hundred dollars. If you stay at a resort that is $400 using your free night award, it’s like paying $95 for a $400 room. Plus, you’ll get the other benefits of the credit card all year.

A great way to earn a lot of Marriott points as well as a free night award every anniversary is by getting one of the Marriott/SPG credit cards. Here is a little more information on what each of the credit cards offers…

 

Marriott Rewards Premier Plus Credit Card

marriott category 5 rewards premier plus card art
  • Introductory Offer: You’ll earn 2 free award nights at a category 1-5 Marriott property (up to 35,000 points) after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 2X points on all other qualifying purchases.
  • Elite Status: Complimentary Silver Status with your Card. Earn Gold Elite status after spending $35,000 or more each calendar year.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

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

 

Marriott Rewards Premier Plus Business Credit Card

marriott category 5 rewards premier plus card art

  • Introductory Offer: You’ll earn 2 free award nights at a category 1-5 Marriott property (up to 35,000 points) after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 4X points at restaurants, gas stations, shipping, and internet, cable and cell phone services. 2X points on all other qualifying purchases.
  • Elite Status: Complimentary Silver Status with your Card. Earn Gold Elite status after spending $35,000 or more each calendar year.
  • Annual Fee: $95 (waived in year 1)

 

Starwood Preferred Guest Credit Card from American Express

spg card art marriott category 5

Learn More >>

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 2X points on all other qualifying purchases.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

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

 

Starwood Preferred Guest Business Credit Card from American Express

spg business card art marriott category 5

Learn More >>

  • Introductory Offer: You’ll earn 75,000 points after spending $3,000 in the first 3 months.
  • Anniversary Free Night: Earn 1 free award night at a category 1-5 Marriott property after your cardmember anniversary.
  • Boingo Wi-Fi: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices after enrolling.
  • Bonus Earning Categories: You’ll earn 6X per $1 spent at Marriott Rewards and SPG hotels. Earn 4X points at US restaurants, US gas stations, cell phone services from US service providers, and on US shipping purchases. 2X points on all other qualifying purchases.
  • Elite Status: Complimentary Silver Status with your Card. Earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: starting January 1, 2019, the spend threshold will increase to $35,000.
  • Annual Fee: $95 (waived in year 1)
  • Terms Apply

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

 

You can also earn Marriott Rewards points through the Chase Ultimate Rewards credit cards. Ultimate Rewards transfer to Marriott at a 1:1 ratio.

Compare Chase Credit Cards

 

Best Marriott Category 5 Resorts in the United States (56 Total)

Listed below are the top-rated Marriott category 5 resorts in the United States. There are a total of 56 resorts in the US and we’ve hand-selected the best properties for you to use your free night awards at. Our selections were made by looking at value, location, guest ratings, and our opinion. After looking at Marriott resorts all over the world, it was apparent that the best value to be saved is in the United States. Other countries and regions have some very nice category 5 hotels, but they tend to cost much less per night if paying for cash. Here is what we came up with during our search to find the best of the best.

 

Waterline Marina Resort & Beach Club, Autograph Collection

waterline marina resort marriott category 5

  • Location: Holmes Beach, Florida
  • Average Guest Rating: 4.8/5 stars
  • Average Price (March 23-29): $466 per night
  • Redemption Value Grade: A-

 

The Westin Hapuna Beach Resort

westin hapuna bay resort marriott category 5

  • Location: Big Island, Hawaii
  • Average Guest Rating: 4.2/5 stars
  • Average Price (March 23-29): $765 per night
  • Redemption Value Grade: A+

 

The Ritz-Carlton, Dove Mountain

ritz-carlton dove mountain marriott category 5

  • Location: Marana, Arizona
  • Average Guest Rating: 4.7/5 stars
  • Average Price (March 23-29): $587 per night
  • Redemption Value Grade: A

 

The Grand Hotel Golf Resort & Spa, Autograph Collection

the grand hotel alabama marriott category 5

  • Location: Point Clear, Alabama
  • Average Guest Rating: 4.7/5 stars
  • Average Price (March 23-29): $278 per night
  • Redemption Value Grade: B-

 

JW Marriott Tucson Starr Pass Resort & Spa

JW marriott category 5 Tucson

  • Location: Tucson, Arizona
  • Average Guest Rating: 4.5/5 stars
  • Average Price (March 23-29): $271 per night
  • Redemption Value Grade: B-

 

The Vinoy Renaissance St. Petersburg Resort & Golf Club

the vinoy st petersburg marriott category 5

  • Location: St. Petersburg, Florida
  • Average Guest Rating: 4.5/5 stars
  • Average Price (March 23-29): $424 per night
  • Redemption Value Grade: B+

 

JW Marriott Las Vegas Resort & Spa

jw marriott category 5 las vegas

  • Location: Las Vegas, Nevada
  • Average Guest Rating: 4.4/5 stars
  • Average Price (March 23-29): $554 per night
  • Redemption Value Grade: A

 

Fort Lauderdale Marriott Pompano Beach Resort & Spa

marriott category 5 pompano

  • Location: Pompano Beach, Florida
  • Average Guest Rating: 4.2/5 stars
  • Average Price (March 23-29): $300 per night
  • Redemption Value Grade: B

 

The Westin Kierland Resort & Spa

kierland resort marriott category 5

  • Location: Scottsdale, Arizona
  • Average Guest Rating: 4.1/5 stars
  • Average Price (March 23-29): $519 per night
  • Redemption Value Grade: A

 

How to Book Your Marriott Free Night Award

When booking a free night using your award, you have over 6,000 available options of Marriott category 1-5 properties to choose from. With so many options, we chose to cut it down to only resorts because they typically cost more to stay at. By booking a Marriott category 5 resort with your award you will get more value out of it.

A big part of the decision on where to stay depends on where you will be needing a hotel room. It’s pretty hard to take advantage of the newly remodeled Westin Hapuna Beach Resort if you won’t be on the Big Island of Hawaii this year. I look forward to staying at this hotel next summer when we (hopefully) use our Southwest Companion Pass on a Hawaii trip for the first time. When booking a Marriott category 5 award night, you’ll want to find a hotel or resort that gives you a great value in an area that you plan on traveling to.

 

Find Your Free Night Award in your Marriott Account

When you meet your minimum spend with the Marriot Rewards Premier Plus card or after your cardmember anniversary of any of the cards, a free night award will appear in your Marriott Rewards account on the activity page. To use your free night award, log in to your account and search for your desired hotel and date. To book your free night using the free night award, you will select “Use reward points”. On the reservation details page, you will see the option to use your free night award. Continue your booking as you normally would. Your award will be applied to the reservation giving you a free night.

Be aware that only hotels with standard or off-peak category 5 award rooms available will be bookable. Category 5 peak pricing is unfortunately above the 35,000 point limit to use your free night award. Remember, that you don’t have to book a category 5. You can book anything up to a Marriott category 5 hotel.

You can use both points and cash on stays if you don’t have enough points. But, when you’re looking to add your free night to either end of a longer paid stay, be sure to book the more expensive night (between the first and last) with your award if the nightly prices differ. Then book the remaining nights separately using cash. You may need to call to have the reservations linked afterward so that you don’t have to check out and back in. If you have any more questions about booking or Marriott Rewards you can check out their official FAQ page.

 

Using Points to Book Free Nights at Marriott Hotels

If you’re looking to book a Marriott category 5 hotel using points, it will cost you 35,000 points for a standard room. Marriott Rewards has eight redemption categories, ranging from 7,500 to 85,000 points per night for a standard room (not including peak and off-peak dates).

Marriott Rewards points can be earned in a few different ways. The easiest way is by applying for any of the credit cards that earn Marriott Rewards. You’ll either earn free night awards or Marriott Rewards points through the introductory offers and you’ll also earn points by making purchases on the cards. Here is a chart that includes all Marriott Rewards categories and how many points it will take to book a free night in each.

CategoryOff-PeakStandardPeak
15,0007,50010,000
210,00012,50015,000
315,00017,50020,000
420,00025,00030,000
530,00035,00040,000
640,00050,00060,000
750,00060,00070,000
870,00085,000100,000

*Category 8 will not be used until Feb 1st, 2019

**Only Standard Rates will be used through 2018.

 

All photos courtesy of Marriott International

Chase Ink Preferred is the Best Card Out There (80K Signup Bonus)

chase ink preferred

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The Chase Ink Preferred credit card is the best travel credit card available. In my opinion, it gives the most value and benefits compared to its cost out of all credit cards. That includes both business and personal cards. Chase Ink Preferred is a business credit card with an extremely large and valuable introductory offer, good spending category bonuses, great purchase protection, easy point redemption, and the best flexibility of any points around. If you’re a small business owner, I would heavily consider putting the Chase Ink Preferred in your wallet.

 

The Chase Ink Preferred Introductory Offer is the Best Around

The best benefit of the Chase Ink Preferred is it’s extremely generous introductory offer. After spending $5,000 on the card in the first 3 months, you’ll receive 80,000 Chase Ultimate Rewards points as a bonus. With these points being worth up to 2 cents each, that values the bonus at a whopping $1600. Of course, it could be less valuable or it could be worth even more depending on how you decide to redeem the points. Even if you were to redeem your points for gift cards (which gives the least value), the introductory bonus would be worth $800 which is very good and much higher than the average.


*Chase Ink Preferred Credit Card

80,000 Point Introductory Offer

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

My thoughts about the Chase Ink Preferred:

The Introductory Offer is the best of any credit card in the market. It’s a surprise how much value Chase will give away for a credit card with only a $95 annual fee. I have this credit card and absolutely love its benefits. When I got this card, I used the introductory offer bonus to purchase two round-trip flights to Hawaii, and still had an extra 30,000 points. The spending category bonuses are worthwhile for my online business. I can earn a lot of bonus points with my combination of Chase Ultimate Rewards credit cards.

Learn more about the Chase Ink Preferred and find out how to apply HERE.


 

Chase Ink Preferred Earns Ultimate Rewards Points

As mentioned above, the Chase Ink Preferred earns Ultimate Rewards points. These are considered by many to be the most valuable travel points of any. They are so valuable because of their flexibility. Chase Ultimate Rewards can easily be used for travel directly through Chase, by transferring them to a hotel, or by transferring them to an airline.

Personally, my favorite way to redeem Chase Ultimate Rewards is by transferring to either British Airways, Southwest Airlines (where we have a Southwest Companion Pass), or Hyatt for hotel stays. I find that I most often get a value of more than 2 cents per point when redeeming with these partners. Another great feature of the Chase Ink Preferred is the ability to earn bonus points on purchases.

chase ink preferred credit card

 

Get More Ultimate Rewards Through Bonus Spending Categories: Earn 3X Points

  • Travel: If you travel often, you’ll get good use out of this bonus. It counts on planes, trains, taxi’s, other transportation, hotels, and more.
  • Shipping: Do you ship a lot of packages for your business? This is one of the only credit cards that earn a bonus on it.
  • Internet, Phone, & Cable: I’m sure your business uses at least a phone and internet. Is it even possible to run a business without both of those?
  • Online Advertising (search engines & social media): This category is a newer one, but a very popular way to advertise. Google, Bing, Facebook, Pinterest

Do you and your business spend money on any of these categories? If you do, it’s a great way to earn extra Ultimate Rewards. Think, if you earn 3X the points and redeem them for a value of 2 cents each, that’s like getting 6% back on your purchases. Have you ever seen a 6% cashback card? I didn’t think so…

 

Chase Ink Preferred Large

 

Redeeming Ultimate Rewards Points with Chase Ink Preferred

Flexibility, when it comes to redeeming your points, is the main reason that Ultimate Rewards and this credit card offer are so valuable. Some credit cards come with points that are a hassle to use. Not this one. Why? Because they can be used in so many different ways.

Redeem your Ultimate Rewards Directly Through the Chase Travel Portal

Chase has an Ultimate Rewards Travel Portal where you can directly redeem your points for travel. With the Chase Ink Preferred, you can redeem them at an elevated rate of 1.25 cents per point instead of the regular 1 cent per point. Through the travel portal, you can book flights, hotels, rental cars, and activities. No worries if you’re a few points short of your travel purchase because you can use both points and cash if needed.

Airline Transfer Partners

Arguably, the best use of Ultimate Rewards is transferring your points to airline partners. As mentioned above, I love to use my Chase Ultimate Rewards by transferring to airlines and hotels. I mainly transfer my points to three of the Chase Ultimate Rewards transfer partners.

I transfer to British Airways to take advantage of their distance based partner flights. This allows me to regularly fly to Hawaii for 25,000 points round-trip. I also transfer points to Southwest Airlines because our points are essentially doubled due to my wife and I earning a Southwest Companion Pass. There are 9 Chase Ultimate Rewards airline transfer partners that all transfer at a 1:1 ratio:

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

southwest airlines companion pass

 

Hotel Transfer Partners

Another way to get the most value out of your Ultimate Rewards points is by transferring them to hotel partners. The only hotel partner I transfer to regularly is Hyatt hotels. In most cities, there are Hyatt Place properties that cost 8-12,000 points per night and are very nice. Hyatt award nights in this range usually warrant a decent value, often coming out near 2 cents per point. The other hotel chains don’t have very valuable points, so I don’t find it advantageous to transfer to them. The hotel partners also all transfer at a 1:1 ratio:

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

 

Combine Your Ultimate Rewards with Other Chase Credit Cards

One of the most exciting features of Chase Ultimate Rewards is that you’re able to combine them between credit card accounts. You may wonder why you would want to do this. Well, it’s simply because Ultimate Rewards have different values depending on which account they are in. Only three of the seven Chase Ultimate Rewards credit cards have the ability to transfer points to airline and hotel partners. That is a huge difference. Those three cards also have elevated values if used in the Chase Travel Portal.

 

Transfer From “Cash Back” to a Premium Ultimate Rewards Card

The four other Chase Ultimate Rewards credit cards are advertised as “cash back” cards, but they earn that cash back in the form of Ultimate Rewards. The only difference is that they can only be redeemed for a maximum of 1 cent each in the travel portal (and no transfer partners).

This is where transferring points between accounts will come into play. You can transfer your “cash back” ultimate rewards into one of the three premium Ultimate Rewards accounts, if you have one, to redeem for higher values. You’ll see how this plays out below:

50,000 Ultimate Rewards in an Ink Cash Account (cashback).50,000 Ultimate Rewards transferred from Ink Cash account to your Ink Preferred account.
Redeemed in the Chase travel portal at 1 cent per point.

Value: $500
Redeemed in the Chase travel portal at 1.25 cents per point.

Value: $625


Redeemed by transferring to an airline partner. (2 cents or more value per point)

Value: $1000

 

Other Chase Ultimate Rewards Business Cards:

 

Ink Business Cash: 50,000 Point Introductory Bonus

Chase Ink Business Cash Credit Card
  • Earns “cash back” in the form of Ultimate Rewards
  • Ultimate Rewards can be transferred to your premium card account*
  • Earns 5X at office supply stores, phone bills, internet, & cable

 

Ink Business Unlimited: 50,000 Point Introductory Bonus

Chase Ink Business Unlimited Credit Card
  • Earns “cash back” in the form of Ultimate Rewards
  • Ultimate Rewards can be transferred to your premium card account*
  • Earns 1.5X on all purchases

Chase Ultimate Rewards Personal Cards:

 

chase ink preferred card

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*Chase Sapphire Preferred: 50,000 Point Introductory Bonus

Chase Sapphire Preferred Credit Card
  • 1.25 cents per point in travel portal (25% bonus)
  • Transfer your Ultimate Rewards to this premium card for better redemptions
  • Earn 2X on travel and dining

 

*Sapphire Reserve: 50,000 Point Introductory Bonus

Chase Sapphire Reserve Credit Card
  • 1.5 cents per point in travel portal (50% bonus)
  • Transfer your Ultimate Rewards to this premium card for better redemptions
  • Earn 3X on travel and dining

 

Chase Freedom: 15,000 Point Introductory Bonus

Chase Freedom Credit Card Review
  • Earns “cash back” in the form of Ultimate Rewards
  • Ultimate Rewards can be transferred to your premium card account
  • Earns 5X on rotating quarterly categories

 

Freedom Unlimited: 15,000 Point Introductory Bonus

Chase Freedom Unlimited Credit Card
  • Earns “cash back” in the form of Ultimate Rewards
  • Ultimate Rewards can be transferred to your premium card account
  • Earns 1.5X on all purchases

 

One way to earn a lot of points with a lot of value is to have a combination of at least two Chase Ultimate Rewards credit cards. You can get the best benefits from both cards and redeem them through the card with the higher redemption rate. For instance, you can have both the Chase Ink Preferred and the Chase Ink Cash. With these two credit cards, you will earn 130,000 Ultimate Rewards points just from the introductory offers. Right off the bat, that’s a value of $2,600 if you combine your points into your Ink Preferred Ultimate Rewards account. With this card combo, you will also earn the following on spending:

  • 5X Points at office supply stores, phone bills, internet, and cable
  • 3X Points on travel, shipping, and online advertising
  • 2X Points on gas stations and restaurants

 

That’s a pretty amazing lineup of category bonuses for spend… Now let’s just throw in one more card, in either the Chase Freedom Unlimited or Ink Unlimited to earn 1.5X Points on all other purchases. As you can see, by having multiple Chase Ultimate Rewards credit cards you can get a deadly combination of spending bonuses.

I personally have the Ink Preferred, Ink Cash, Sapphire Reserve, and the Chase Freedom in my wallet. Let’s just say I have the potential to earn a lot of Ultimate Rewards even though I don’t spend much money. I precisely select which card I use on each purchase to maximize my earnings. The hardest part is deciding which of the cards work best for your own spending.

 

Protection: Cell Phone, Travel, & Purchases

All these benefits and we haven’t even discussed the purchase protection that the Chase Ink Preferred will give you. If you drop your cell phone (or your wife does…), you’re safe. They’ll pay for repair or replacement. If you’re renting a car, you can tell that pesky salesperson at the counter “NO THANKS” to everything they’re offering. Your credit card has primary rental insurance. Basically, if anything goes wrong with your travel plans, you’re covered.

  • Cell Phone Repair or Replacement
  • Primary Car Rental Insurance
  • Trip Delay & Cancellation Insurance
  • Baggage Insurance
  • Travel Accident Insurance

chase ink business preferred

 

There’s Even More: Other Benefits of the Chase Ink Preferred

Wait, we’re not done yet? I’m honestly getting tired of writing all these benefits. They seem endless, but we must go on. You need to know everything there is to know about the Chase Ink Preferred. Yes, it has even more benefits. I won’t go into depth, but they’re listed below. If you have employees you can get them a card for expenses for free. You’ll also be able to make international purchases without having to pay foreign transaction fees. The Chase Ink Preferred keeps you safe in many ways including on fraud, which seems to be a rising problem in the world we live in.

  • Employee Cards at No Extra Cost
  • No Foreign Transaction Fees
  • Zero Liability Protection
  • Fraud Protection
  • Extended Warranty Protection

 

Who is the Chase Ink Preferred Good For?

Probably you, if you own a small business. Honestly, the Chase Ink Preferred is the best overall credit card in my opinion. It’s got an amazing introductory offer of 80,000 points along with excellent benefits all around. If your business is online, it’s definitely a great fit due to the online advertising feature. If you’re running a business you should have a credit card to earn points back from your expenses. It’s just another way to easily grow your bottom line.