Travel Freedom Tips

The 3 Best Travel Sites For Booking Flights Car Rentals & Hotels

best travel sites

Booking your travel should not have to be a difficult process. You want to be able to find a good site that makes it simple for you to book everything that you need when you are going on a vacation. This is also going to be imperative for anyone who does a lot of travel due to business. Thankfully, there are many good travel booking sites out there for you to consider.

 

Today we will be going over the best travel sites for booking an inexpensive flight, car rentals, and hotels. This will give you several options to consider so that you can find the sites that will work best for you. We are going to be listing three sites for each of the three categories. Once you see what each of them has to offer, you’ll be able to pick your favorites and start booking your travel as conveniently as possible.

 

Top Flight Booking Sites

Expedia

Expedia is a tried and true flight booking site that is going to be one of your best options. One of the reasons that people have been turning to Expedia for years is the fact that this company offers a rewards program. It is possible to earn miles that can be used toward your airfare expenses. The rewards program is also beneficial when it comes to booking hotels, making it a great option for many travel purposes.

 

This site makes it easy to find the flights that you want, too. You should have no trouble seeing what the best airfare options are. This is a good site that has a clean look. Many people use it all the time, and it has become one of the premier flight booking sites for a reason.

 

There may be other flight booking sites that will offer better deals, though. This is a customer-friendly site that gives good rewards. They’re worth keeping in mind, but you may also want to check into what the other flight booking sites are offering.

 

Pros

  • Customer-friendly site
  • Offers a rewards program
  • Makes it easy to find flights and see the least expensive options

 

Cons

  • Some sites might be less expensive

 

Travelocity

Travelocity is one of the most well-known sites for booking an inexpensive flight. They offer users many great benefits that will make booking a flight that much more convenient. For example, you can make use of their price match guarantee to keep your prices low. It is also possible to enjoy free cancellation in the first 24 hours when you change your mind about booking a flight.

 

You can also make use of opaque fares when booking flights through Travelocity. This can help you to save even more money than usual. The downside to this is that you don’t know all of the details of your flight ahead of time. You’ll only see the final flight details after you complete the purchase.

 

If you’re flexible with your times for when you’re going to go on your trip, then making use of opaque fares will be smart. It can keep your costs as low as possible, while still getting you where you need to go. Keep this in mind if saving money on airfare is really important to you. This won’t be the most convenient option for everyone, but Travelocity does offer great rates on normal flights too.

 

Pros

  • Easy to find great deals on flights
  • They offer opaque rates
  • Free cancellation within 24 hours
  • Price match guarantee

 

Cons

  • Opaque fares are not ideal for everyone
  • You may be charged a booking fee

 

Priceline

Priceline is probably one of the most well-known flight booking sites around. They have become popular for a good reason, too. You will love the overall feel of this site, and it is easy to navigate. It makes searching for flights as simple as it can possibly be. You’ll even be able to get some of the lowest possible rates when using Priceline to book your next flight.

 

One of the reasons that the prices are so good on Priceline is that they offer opaque fares as well. Much like Travelocity, you will be able to book flights more inexpensively when you do not know all of the details. The problem is that these flights may not be refundable if you decide to cancel. Regardless, many people use this to their advantage to get a really good price for a flight.

 

Standard flights are going to be a good deal when using Priceline as well. They are generally able to match up to the other prices being offered by different flight booking sites. This is a site that you will want to bookmark if you have an upcoming trip. It’s likely that you’ll find one of the best possible prices if you decide to book through Priceline.

 

Pros

  • User-friendly site
  • Great airfare rates
  • They offer opaque fares

 

Cons

  • Opaque fares may not be refundable in all instances

 

Top Car Rental Booking Sites

Hotwire

Hotwire Car Rental Rent a car for less. Get 4 star quality at a 2 star price. Hotwire Car Rental

Hotwire is an ideal option for people who want to be able to save as much money as possible on renting a car. The reason that Hotwire is such a desirable car rental booking site is that they offer opaque rates. This means that you can get a really good deal on a car rental, but you may not know all of the details until you pay for the booking. The car rental may also wind up being ineligible for refunds, so there is a bit of risk involved.

 

Even so, many people use this to their advantage. You may not know about the rental company ahead of booking your car, but you’ll still certainly get a good car. Being able to enjoy the lowest possible car rental rates makes a really big difference. It makes it more practical for people to rent cars for their trips.

 

Most major car rental businesses are going to offer the same types of cars anyway. It winds up making little difference whom you are getting the rental car from, in most cases. This means that booking through Hotwire is a pure chance to save a lot of money. If you like getting a good deal, then consider using Hotwire as your car rental booking site of choice.

 

Pros

  • Offers the least expensive possible car rentals
  • Easy to use interface

 

Cons

  • You may not know much about the details of your car rental ahead of paying
  • Many of these bookings have no refund options available

Read our full Hotwire review.

 

Priceline

Priceline is actually very similar to Hotwire when it comes to booking your car rentals. They also offer opaque rates, and they may even wind up offering lower prices than Hotwire in certain instances. Overall, Hotwire usually wins the head-to-head battle for lower rates. It may be worthwhile to search the rates on both sites to ensure that you’re getting the lowest price possible.

 

This is a great car rental booking site that will give you access to rental cars in many places. It seems to offer some of the lowest rates in many of the biggest US cities. It’s worth checking Priceline out to see how low their prices are. The Priceline site is very easy to use as well, making it a nice booking site for people who want to keep things user-friendly.

 

One potential downside is that opaque rates do not seem to be offered in Europe. You may still be able to get a good deal, but you’ll likely save the most when renting cars in the US. As long as you go in with the right expectations, Priceline will provide you with a good overall experience.

 

Pros

  • Offers opaque rates
  • One of the least expensive car rental booking sites for many US cities
  • User-friendly site

 

Cons

  • No opaque rates in Europe
  • May not be as inexpensive as Hotwire in some cases

 

Expedia

Expedia is going to be one of the top options for finding inexpensive car rentals. If you want to book your car along with your flight, then this is going to be one of the most convenient options. As mentioned above, Expedia is a good source for finding inexpensive flights as well. You should be able to find an overall good deal on a rental car, and it’ll be easy to add it onto your flight purchase.

 

The reason that Expedia is on this list is due to the ability to bundle and save. If you want to purchase airfare, a rental car, and book a hotel, then you can bundle all three together. This gives you the opportunity to save a good bit of money. When you do all three together, you’re going to get the most lucrative deal.

 

The one problem with this site is that it does not offer opaque rates. This means that it is not going to be the least expensive source for car rentals. Hotwire and Priceline may beat Expedia for pure car rentals due to offering opaque rates. Some people don’t like the idea of opaque rates, though, so this will be an ideal car booking site for many people.

 

Pros

  • Good overall prices
  • Ability to bundle and save

 

Cons

  • Doesn’t offer opaque rates

 

Top Hotel Booking Sites

Hotels.com

Hotels.com - Book Now & Save When booking the perfect hotel, vacation rental, resort, apartment, or guest house, they’ve got you covered. Incomparable choice with a Price Guarantee. Hotels.com - Book Now & Save

 

You may have heard about Hotels.com as it has become one of the more popular hotel booking sites around. This is a site that can offer you great deals while making it easy to search for what you need. It has many filters that will help you to narrow your search. If you know what you want, then Hotels.com is an ideal choice.

 

You’ll be able to find both really inexpensive hotels and really nice hotels when using this site. The results generally give you a great mix of affordable options and high-end experiences. The aforementioned filters can narrow things to focus on the types of hotels that you’re interested in. The prices offered by this site are generally among the best.

 

The only real issue that you will encounter is that sold out rooms will sometimes pop up in the results. This can be a bit of a nuisance. Also, the results will often show available condos as well as bed and breakfast businesses. If you just want normal hotels, then you may need to tweak the filters before searching.

 

Pros

  • Great prices
  • Many filters to help you narrow your searches
  • A good source for both inexpensive hotels and high-end hotels

 

Cons

  • Shows results for things like condos and bed and breakfast businesses
  • Sometimes sold out rooms pop up in the results

 

TripAdvisor

TripAdvisor works by showing you many of the best hotel deals from several different sites. This allows you to really compare prices and work to get the best deal. If you like the idea of being able to compare prices, then TripAdvisor is going to be a perfect fit. If you use the search tool to its full potential, then you can save a lot of money on hotels.

 

The TripAdvisor site also displays information such as hotel reviews alongside the prices. This makes it easier to see whether the hotel that you’re thinking about booking is worth your while. It can keep you from booking a hotel that will wind up being less than ideal. It’s a streamlined experience that makes it easy to do all of the necessary research on a hotel without the need to leave the site.

 

The actual booking of the hotels is done through Booking.com. Regardless, this is a good site to use due to the information that it can provide you. You’re very likely to get the best deal or close to the best deal when using TripAdvisor. You’ll be able to search the best available prices from many sources and can then make an informed decision.

 

Pros

  • Gives you information from many booking sites
  • Shows you hotel reviews
  • Makes it easy to compare prices

 

Cons

  • A few sites such as Agoda may not be searched

 

Priceline

Priceline is once again an ideal option here. This is a site that gives you one of the best-looking websites while also keeping things super user-friendly. When you want to have a good overall experience, you can’t go wrong with Priceline. You’ll be able to count on finding a good deal on your next hotel, as well.

 

One of the best aspects of Priceline when it comes to booking hotels is the name your own price feature. You can enter an amount that you are willing to pay for a hotel room. A hotel will then be able to choose to match your desired price, or they can decline. This is a handy feature that can lead to your getting rooms for a very low price.

 

The normal prices that you will find on Priceline are all very good, too. Truth be told, the prices are not going to differ dramatically when you look at any of the top hotel booking sites. Priceline is a great option that makes finding your ideal hotel simple. For this reason, it is worth your consideration.

 

Pros

  • A great website that is user-friendly
  • Makes it easy to find hotels
  • Name your own price tool
  • Availability of flash deals

 

Cons

  • Some flash deals may not offer refunds after they’ve been booked

 

Our Last Thoughts

All of the above sites are going to be useful for booking travel. Whether you’re in need of airfare, car rentals, or hotels, you’ll now know where you can turn. These sites are all great at helping you to save money on travel expenses. Using them to their full potential will help you to keep more of your money in your wallet where it belongs. Another resource that wasn’t mentioned above is Costco Travel, which is available to those with a Costco membership.

 

If you need help with booking a flight, car rental, or hotel, then don’t hesitate to use one of these sites. They’re all very good and will work for your needs. You should be able to get the best possible deals, and you’ll be happy with the experience.

The 5 Best Hotel Booking Sites: Find a Cheap Hotel Room

It’s so important to be able to book the best possible hotel room. You also want to be able to find the best deal that you can when booking a hotel. Many people who travel often need to be able to book hotels as conveniently as possible. Some professionals are on the road all the time, so booking hotels is a constant thing that they have to deal with.

 

Even those who only travel infrequently like having the most convenient booking options, too. For this reason, it really does pay to know what the best hotel booking sites are. If you make good use of the right hotel booking websites, then you will be able to find amazing deals. You can turn your next vacation into something truly special or you can simply find the best accommodations while on a business trip.

 

Today we are going to be taking a look at the top five best hotel booking sites. All of these websites are good in their own right, so you will want to pay attention to what each of them brings to the table. If you are able to use these sites to their full potential, then you will be able to save yourself money while booking great rooms. Read on to learn all about the best options that are out there.

 

1. Hotels.com

Hotels.com - Book Now & Save When booking the perfect hotel, vacation rental, resort, apartment, or guest house, they’ve got you covered. Incomparable choice with a Price Guarantee. Hotels.com - Book Now & Save

 

Hotels.com is another option that many people turn to when looking to book a hotel. If you are looking for the best possible bargain, then this site might be the one that you will want to go with. You’ll be able to make use of a large number of different filters, making it easier to find the best possible hotel. You can find cost-effective options and you will also be able to find high-end hotels easily.

 

The filtering options that you have available to you are certainly top notch. You will be able to find any type of hotel that you might be looking for. Simply put, this is a website that makes finding what you need easy. If you want a romantic hotel for your honeymoon, then you’ll be able to find it here without having any problems.

 

You will also be able to see many options that are not traditional hotels when searching on this site. As mentioned earlier when speaking about Booking.com, this may or may not be a good thing, depending on your perspective. You will find results for bed and breakfast businesses, various condos, and other locations where you can spend the night. If you want to filter these out, then you will be able to do so using their advanced filtering tools.

 

Another possible issue with this hotel booking site is that it sometimes includes hotel results that are fully booked. This can be a bit of an annoyance when you are just trying to see what is actually available. Even so, you won’t have a problem using this site due to its great filter options. The prices are good and the options are plentiful, so it’s definitely one of the worthwhile hotel booking options.

 

If you like having options when it comes to narrowing down your searches, then this is going to be one of the better sites for you to consider. The advanced filters work great and there are many things that you can tweak. This hotel booking site empowers users and lets them choose how to search. As long as you are willing to play with the filtering tools, you’ll have a very good experience on this site.

 

Pros

  • Great tool for finding the most cost-effective hotels
  • Good filtering options
  • Good interface

 

Cons

  • Will need to play with filtering tools to narrow your search

 

2. Kayak

kayak hotel booking site

 

You may be familiar with Kayak, as they are among the most used hotel booking websites. They are also well known for their flight search capabilities. You will be able to use Kayak to find the best hotels in an area. It also shows you the rates that many other hotel booking sites are offering. This allows you to easily compare and contrast the results to find the best deal.

 

One of the best parts of Kayak is definitely the clean user interface. Everything looks very good on this website and it is decidedly simple to use. This is a site that will give you the information that you’re looking for without causing you to scratch your head. It’s simple while still offering users many great features.

 

This is one of the best sites on this list in terms of filtering options, too. You will have many advanced filtering options available to whittle down the results. This can help you out a lot when you’re looking to find your perfect hotel. You will likely need to use the filters, too, since the default results often show recommended results instead of simply popping up the most affordable prices.

 

You will like Kayak if you are looking for a hotel booking site that makes it easy to compare rates. The clean user interface makes it one of the most user-friendly hotel booking sites around. You can even make use of their handy app if you want to use it on your phone or tablet. This site has earned its place among the top five best hotel booking sites.

 

Pros

  • Clean user interface
  • Easy to compare and contrast the best results
  • Very good filtering options

 

Cons

  • Default options may only show the recommended results
  • It is usually necessary to tinker with the filters

 

3. Booking.com

booking.com hotel booking site

 

Booking.com is one of the most popular hotel booking websites on the Internet. This is an option that is going to show you a wide range of different places where you can stay. You will be able to get results for traditional hotels, as well as hostels and apartments. For some people, this may wind up being a bit of an annoyance, but it is going to come down to your personal preference.

 

If you do not want to see results for hostels, then you will be able to make some changes to the settings of the hotel search. It is not cumbersome to change things around, but it is an extra step that you will have to do. Many people like being able to see all of the options that are available, though. It can help when you want to be able to find the most cost-effective place to stay when you’re traveling somewhere new.

 

Overall, this website proves itself to be a very useful tool. One of the best parts of using this site is that it shows you all of the costs right up front. The only thing that it does not show you, in regards to the pricing of your hotel room, is the taxes. Otherwise, you will be able to use this hotel booking site to find the most affordable hotel rooms around.

 

People who are willing to stay at nontraditional hotels will really love this site. Being able to see all of the hostels and apartments in an area may be appealing to some people. Others are going to find this site to lack the right focus. As long as you take the time to use the filtering tools, it should not be a big deal to you either way.

 

This is one of the best hotel booking sites to use for people who are looking for hotels on a budget. It is going to offer you many different results that will work for a variety of different budgets. It is as simple as possible to find the most affordable rooms available, too. The user interface is easy to understand and you will have no trouble getting the information that you are seeking.

 

Pros

  • A great option for finding budget hotels
  • Shows you many options
  • Shows you the costs right up front

 

Cons

  • The inclusion of hostels and apartments in search results may bother some

 

4. Priceline

priceline hotel booking site

 

Priceline is a famous hotel booking site that many people have likely seen advertisements for in the past. It’s definitely a popular website and it has remained a great option for those booking hotels for a long time now. One of the reasons for its popularity is how easy the site is to navigate. It has been made to be very user-friendly, so you’ll have no trouble getting around.

 

This is also one of the best looking hotel booking sites on this list. The visual appeal of the site is hard to deny and everything comes together to form a complete package. Priceline allows users to find great prices on hotels. If you need to find a good deal on a hotel for your next vacation, then this site might be the perfect fit.

 

It works great for people who want to find hotels near the hottest tourist attractions. This site excels in finding conveniently located hotels that will put people very close to the great landmarks of certain cities. Combine this with being able to get an overall good deal and you can see why this site is popular. It’s definitely a good fit for people who are planning a fun vacation.

 

Perhaps the best feature for this site is the famous “name your own price” option. This lets you type in how much you are willing to spend and then hotels can choose to accept your deal if they want. Many people have been able to save a lot of money using these features, so it’s definitely worth it to give it a shot sometime. It helps Priceline to stand out as a bit of a unique option among the other hotel booking sites.

 

There is also an express deal option that Priceline offers. This is a bit different as it is sort of like a flash sale on a hotel room. It may offer you a really good deal on a hotel room, but you will not know what hotel is being booked until after you have booked it. This might be a little too risky for some, but it can save you a whole lot of money.

 

Pros

  • One of the most visually impressive hotel booking sites
  • Great for finding hotels near popular attractions
  • The name your own price feature can save you money

 

Cons

  • Some may not like the way the express deal option works

 

5. Expedia

expedia hotel booking site

 

Expedia is a good option for you to consider going with. This is a site that is actually essentially the same as a couple of other well-known travel sites. Expedia owns the travel booking sites known as Orbitz and Travelocity. This means that all three sites are basically going to give you pretty much the same information and they even use very similar layouts. For the purpose of this guide, we will be discussing the Expedia hotel booking site.

 

You will be able to use this hotel booking site to find plenty of different available hotels in any given city. It is a powerful searching tool that brings up many different results. Expedia makes it as easy as possible to find hotels that are inexpensive. It is also possible to find more luxurious options if you are looking to plan something special.

 

This is a recommended site to use if you want to find the most hotel options. It is going to give you plenty to consider and there are many filters that you can use to focus your results. It should give you a very easy experience when looking to book your next hotel. You’ll be able to reliably get good results when using this site and you can save yourself a bit of money.

 

One important thing to think about before moving forward is that this site doesn’t always give you the best price. It has consistently good prices, but it may be worthwhile to compare what Expedia is offering with some of the other hotel booking sites. Sometimes, going to the extra effort can help you to save more money. Regardless, Expedia is a good hotel booking site that offers consistently good prices and it’s easy to use.

 

Pros

  • Will find many hotel options for you to consider
  • Easy to use
  • Makes finding hotels simpler by showing you many available options

 

Cons

  • They may not offer the best prices when compared to competitors

 

Our Final Thoughts: Which Hotel Booking Site Do You Like Best?

After reading all about the top five best hotel booking sites, you should be prepared to move forward with your hotel booking. Using any of these sites will definitely give you a better hotel booking experience. Users who make use of these sites are able to get great deals on really nice hotel rooms. It just makes things so much more convenient when you are traveling. We use Hotels.com most often when booking a hotel.

Hotels.com - Book Now & Save When booking the perfect hotel, vacation rental, resort, apartment, or guest house, they’ve got you covered. Incomparable choice with a Price Guarantee. Hotels.com - Book Now & Save

 

Keep all of these options in mind the next time you are planning a big trip. One of them will be able to get you the best possible deal and you’ll be elated with how things have turned out. Booking a hotel does not have to be a difficult experience. You’ll be able to get a great room without breaking the bank and you’ll always be able to rely on these sites moving forward.

Chase Credit Card Application Status: How to Get Approved

chase credit card application status

After applying for a credit card, you’ll receive one of three different Chase credit card application status messages. You will either be instantly approved, denied, or your application will be marked as pending.

 

No matter what message you get, you can still be approved for the Chase credit card that you applied for. If your card is approved instantly, you have nothing to worry about. Your card will be mailed to you, typically within a week. On the other hand, if your card is instantly denied, it may be harder to get approved, but you can still call the Chase reconsideration line to have a human review your application. If your application is “pending”, it usually means that Chase will take a few extra days to make a decision on your approval.

 

If you contact Chase by phone or online to determine the status of a credit card application, you may find out that your application is under review or pending. This means that it has not yet been approved or denied. However, you will most likely receive the bank’s decision concerning your Chase credit card application status within 7 to 10 business days after you apply for a card. In some cases, Chase has been known to take up to 30 days to decide whether to approve or deny a card application.

 

After waiting for the ten days, you may want to contact the Chase customer service department by phone or on the bank’s website concerning your Chase credit card application status. A member of the customer service team may be able to give you updated information and details about the status of your card request. Of course, all Chase credit card applications are classified as “under review” at some point, whether for a minute or for a number of days.

chase card application status

 

How to Check Your Chase Credit Card Application Status

  • Online: If you have a Chase online account, in the search bar on the top left, select “application status”.

  • Phone: for automated information regarding card applications: 1-888-338-2586

If you do not yet have a Chase online account, you can open an account using your Social Security Number and your credit card application number. This will make it easier for you to check your Chase credit card application status quickly.

 

3 Possible Results After Receiving a Pending Application

  1. APPROVED: You may be notified by email or snail mail that your Chase credit card application status is “approved”, and your card should arrive within another week to ten days
  2. DENIED: You may receive notice that your application has been denied, with a follow-up letter containing a full explanation arriving within 7 to 10 days
  3. MORE INFO NEEDED: You may receive a request from the bank for additional information to correct or clarify one or more items on your application.

 

If your Chase credit card application status decision is taking longer to be determined than you expected, do not get discouraged. The bank takes time to review a number of different factors before deciding whether or not to accept you as a credit card account holder. These creditworthiness factors include your income, credit history, debt status, housing type and the number of credit card accounts you have opened recently. If your application is approved and you want to skip waiting for another 7 to 10 days to receive your new credit card, you can notify customer service to request expedited 72-hour delivery of your card. This may or may not come with a fee.

 

What if Your Chase Credit Card Application is Denied?

If you are denied for a Chase credit card, there is no need for despair or to have discouragement. All applications are automatically reviewed without a human taking a look. You always have the option to have a Chase rep look at your application to see how they can get your approved. After denial, the bank may suggest other credit card types that you may be eligible to apply for with a better chance of acceptance. Your options may include cards with lower credit allowances and secured credit cards for which you pay an initial deposit amount that can be refunded after you gain status as a responsible cardholder and bank customer.

 

However, the bank may not offer you the opportunity of applying for other types of credit cards with Chase. Instead, your card denial notification may include suggestions about how to improve your credit rating before applying for future cards or credit lines. If you receive only tips for acquiring a better credit report, be aware that there is further action that you can take concerning your denied application for credit. You should consider taking further action because Chase will often approve a previously denied application when it’s reviewed by a person.

 

Calling the Chase Reconsideration Line

No one likes rejection from a bank, especially when it involves a request for additional credit for more purchasing power. Whether you are rejected as a credit card holder due to delinquencies appearing on your credit report or because of too many open and active accounts, rejection of your request is never pleasant news. However, you should know that you can always request reconsideration of your Chase credit card application status.

 

Chase Reconsideration Line Phone Number: 1-888-270-2127

 

It is not generally known by many consumers that an applicant’s first card rejection is usually issued by a computerized acceptance/rejection program. This program operates based on an algorithm structured to reject applicants with certain entries on their credit histories. For this reason, it can be very worthwhile to request that your application is reconsidered if your initial card request is denied. I’ve personally been denied for many cards by their algorithm and then been easily approved after a human review. I did this by calling the Chase reconsideration line.

chase application status

 

Legally, you can always contact a bank representative to request a second review of your Chase credit card application status using any additional information that may strengthen your chance of acceptance. According to the Equal Credit Opportunity Act, creditors must take into consideration all information supplied by the credit applicant that gives any indication that the credit history being reviewed lacks full transparency of the applicant’s true creditworthiness.

 

In general, your likelihood of gaining acceptance as a credit card holder via a reconsideration request will depend on your ability to refute, update or negotiate any damaging data on your credit report. If a credit score lower than the score required for obtaining a Chase card is what caused your application to be disapproved, be sure to point out any errors on any and all of your credit bureau reports. If low income kept you from getting approval for your Chase credit card application status, make sure that your latest credit report data includes your current salary or income level. Often times a denial will happen due to the number of credit cards you already have. In this case, you’ll want to be able to tell the Chase representative why you might need a new card and what benefits of this card differ from what you already have.

 

How to Request Reconsideration of Your Application

If you don’t already have a Chase online account, you can either call the bank or write a letter to request reconsideration of your Chase credit card application status. You can make a phone call if you’ll be able to make a strong, effective request for a second review of your application without the use of supporting documents. As a current Chase customer with an online account, you can also use the secure message center to request reconsideration. I’ve had cards reconsidered both by calling and through the secure message center on the Chase website.

 

However, if you think that your request requires a review of additional backup data and information to bring good results, mailing your request as a letter with these documents attached would be the best choice or ensuring an approved Chase credit card application status.

 

Some credit card application rejection notices include a bank contact number that you can call for a more detailed explanation of your denial of a Chase credit card. If you received a rejection notice without a phone number included, you can obtain a contact number for your bank’s card application status information and a mailing address in online website listings of bank credit cards to apply for. You can also locate this information on the Chase.com website under “credit cards” when seeking your Chase credit card application status.

 

5 Tips for Your Chase Card Reconsideration Request

 

Understand the Reasons for Your Credit Card Denial

If your credit card application is denied, your rejection notice should include reasons for this denial. If none are given, you are entitled to request these reasons during the 60 days following the date of your card rejection date. You will need these reasons if you intend to dispute your denial of a credit card from Chase Bank and ask for reconsideration of your Chase credit card application status. Knowing why your request for a card was denied will also help you focus on items on your credit report that need the most improvement.

 

If Chase’s reasons for refusing your application for a charge card seem to be in conflict with your credit report and rating, you should immediately contact a bank representative to discuss these differences. Sometimes, credit reports can include errors as well. There may be negative items that should have been removed from your report by now. Be sure to review your credit reports from all three major credit bureaus thoroughly to ensure accuracy.

 

Request Reconsideration Quickly after Denial

For getting faster reconsideration of your Chase credit card application status, it is best to ask for reconsideration within a few days after you receive your card account denial notice. If you delay and wait a few weeks or a month or more to send your request for a second review of your application, it may be treated as a new application. This could mean accruing another hard inquiry on your credit report and losing points on your credit rating.

 

Build a Good Case for Approval Before Calling

Review the strengths and weaknesses in your credit report carefully before requesting a second review of your Chase credit card application status. If your credit report shows missed or late payments in the past, be sure to point out to the bank representative who reconsiders your application that you have since paid on time for the last 20 months. You want to look like a responsible and reliable potential cardholder with Chase.

 

State Why You Value Being a Chase Customer

State clearly and convincingly why you want to become a Chase credit card holder and why you value this card. Reasons like wanting the travel advantages and the advanced EMV chip safety feature offered by Chase will help you gain reconsideration for card issuance. Be polite, but firm in expressing your interest in and desire for having a new credit card through a reassessment of your Chase credit card application status. If you’re already a Chase customer make sure to say that you are a loyal customer and would like to continue doing business with them.

 

Negotiate Your Credit Line if Needed

If all else fails to win acceptance for a new Chase card in your name, you may want to negotiate a “deal” like offering to accept a lower line of credit until you prove that you are a responsible and dependable cardholder. You should negotiate only after trying to gain “approved” as your Chase credit card application status by other means. You want to avoid appearing to lack confidence in your ability to maintain a good account or seeming like you are desperate for another credit card.

 

As a current Chase cardholder, you can also negotiate to move some of your credit line from another card to add room for your new card. It’s also sometimes possible to close an old card in order to be approved for the new card. In this case, you’ll also want to move the credit line over to the new card as it will help your credit score.

chase credit application status

 

7 Best Chase Credit Cards to Apply For

If you’ve yet to apply for your Chase credit card, here are the best Chase credit cards and some of their benefits. You can review them to be sure you’re choosing the best card for you. Chase is known for having some of the best signup bonuses and benefits of any credit cards.

 

Personal Chase Credit Cards

 Sapphire Preferred
Sapphire Reserve
Chase Freedom
Freedom Unlimited
Signup Bonus60,00050,000$150 (15,000 pts)3% on all purchases in first year (up to $20,000 in spend)
Bonus Spending Categories2X on travel and dining3X on travel and dining5% on select rotating quarterly categories1.5% on all purchases after year 1 (no limit)
Annual Fee$95$450$0$0
Extra PerksBaggage insurance, trip insurance, rental car insurance$300 annual travel credit, TSA PreCheck or Global Entry, Priority Pass SelectPurchase protection, extended warrantyPurchase protection, extended warranty
Best for People Who...Want a large introductory bonus

Like to Travel
Want a large introductory bonus

Want luxury travel benefits

Travel often
Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simplicity in earning points
Learn More >>Learn More >>Learn More >>Learn More >>

 

Business Chase Credit Cards

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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

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

 

Alternative Methods to Apply for a New Credit Card

If your final Chase credit card application status ends with a denial there are always other good opportunities to explore and consider. For example, you can always apply for a card from another bank or other credit card issuer. Since every credit card application acceptance is based on somewhat different criteria, you may be successful in being approved for a card through another issuer.

 

You can also apply for a credit card with lower requirements for acceptance if you do not gain the Chase credit card application status of approval. Although it may seem better to apply through a different bank or credit card issuer, it can be to your advantage to apply through Chase again. By choosing this route, you are reinforcing your interest in becoming a Chase card account holder and reaffirming the fact that you value having a Chase credit card. By staying in touch with a bank credit division representative throughout the entire re-applying process, you may gain prompt approval.

 

You can also apply for a secured credit card with Chase Bank if you do not receive “approved” as your final Chase credit card application status. These cards do require that you pay a security deposit (that is later refundable) to the bank or other card issuing company, but they are excellent credit building and repair tools. Why not enjoy the use of a credit card from a valued issuer while increasing your likelihood of approval for a higher tier card and line of credit in the future? You can gain the card issuer’s approval for additional credit while enjoying use of your new charge card.

 

Once you understand the Chase credit card application status and how best to respond to each phase of your card request’s approval, denial or pending status, you will become more confident and successful at obtaining a new charge card from Chase. When you are fully aware of ways to reverse a card application denial and other options that are available for gaining additional credit cards and credit allowances, the process will be more relaxed and free of stress.

 

You will also gain valuable knowledge about ways to improve your credit report and rating to ensure greater success at obtaining new cards and more credit in the future. You will benefit from some very valuable information along the path to obtaining the desired rating of “approved” as your final Chase credit card application status.

The 11 Best Flight Search Engine Options: Are They All the Same?

best flight search engine

Trying to get the best possible deal on a flight is important. You want to be able to use your money as effectively as you possibly can when it comes to travel. For this reason, it makes sense to take your time to see all of the available prices. In order to do this, you can make use of the best flight search engine options to get the necessary information and the most beneficial result.

 

There are actually many different flight search engines out there that you can use. If you are new to the idea of searching for flights in this way, then you may be at a loss for where to turn. Where are the best flight search engines and how do you know which ones are worthwhile? Travel Freedom is here to help you out by answering that very question.

 

The 11 Best Flight Search Engine Options

Today we will be taking a look at the best flight search engine options on the Internet. We will be going over several of the options that will give you the best results. This should help to make getting a fantastic deal on your flights easier than ever. You will be able to use these search engines any time that you have a trip coming up and will always be able to compare the various flight options available to you thoroughly.

 

Google Flights

It should come as no surprise that Google Flights is among the most popular options available. People use Google Flights to find the best flights at the lowest prices. It has a very clean interface that looks appealing and will be easy to make use of. You will be able to search using the map and will see which travel dates have the lowest fares right away.

google flights best flight search engine

 

This is one of the best options for people who want to have a simple, streamlined experience while searching for a flight. Simple does not mean that it is lacking in any way, either. You will be able to find the flight dates that will save you the most money in a short amount of time. The search-by-map function is very intuitive and you can enter either firm dates or a flexible period of time.

 

Google Flights even allows you to track fares on dates that you have selected. You can receive updates via email so that you will know if anything has changed. This keeps you in the loop and makes it easy to jump on things if you see that a price has dropped. This is a very user-friendly flight search engine that comes highly recommended.

 

CheapOAir

CheapOAir has been helping people to find flights as conveniently as possible for a long time. This website allows you to look through all of the available options in a very streamlined way. You will be able to find the cheapest options for direct flights and it will also help you find flights by your desired airline. The charts at CheapOAir are very easy to read and you should have no trouble making use of this website.

cheapoair best flight search engine

 

This website is also good at providing you with the necessary information. You will be able to take a look at things such as baggage fees and fare rules. Certain US airlines will also give you access to a seating chart so that you can see the plane layout. A seat-selection map will be available for some US carriers.

 

It mostly prioritizes nonstop prices over the ones that have stops. Even so, it does give you many options to customize how you are searching for flights. The booking fees of this site are fairly low at only $35 per ticket. You should be able to get a very good deal on a flight when you make good use of this search engine.

 

OneTravel

One Travel is a flight search engine that is starting to gain in popularity. It actually has a very similar interface when you compare it to Google Flights and this is not a bad thing at all. This website is very easy to read and you should not have any trouble finding the information that you are looking for. You will be able to search this website to quickly find the least expensive options if that is what you are looking for.

onetravel best flight search engine

 

Interestingly, this site allows you to enter your departure date on a calendar system and will then bring up prices automatically. This allows you to get a quick glance at what to expect in case you want to search for other dates that may provide you with a lower price overall. It allows you to save time by finding the least expensive travel dates more quickly, making the overall experience that much more convenient.

 

You will need to pay a $35 travel service fee per ticket when you use this flight search engine, though. Overall, this is not too unusual for these types of websites. One potential problem is that sometimes this search engine seems to show flights that include at least one stop toward the top of the search results. If you prefer nonstop flights, then this may be a slight annoyance as you will need to scroll and look a little deeper.

 

Kayak

Kayak is one name that you have almost certainly heard of. This website has been helping people save money on their travel expenses since the mid-2000s. It offers users a powerful search engine that will allow you to see all of the available flights and fares. This is still among the most powerful flight search engines available and is made to be as easy to use as possible.

kayak best flight search engine

 

You can have a very convenient experience when using the Kayak search engine. It allows you to program fare alerts so that you can track prices on your desired flights or flight dates over time. It is easy to use this system and it always keeps you in the loop when any changes occur. This is a simple way to get a great deal on a flight and you will always find many options to consider.

 

One potential negative of this site is that it is loaded with various ads. It does not really hinder your experience in any way but it may bother some people. If you prefer a flight search engine with no ads, then Google Flights offers similar functionality. Otherwise, this site has traditionally saved people a lot of money on airfare over the years.

 

It boasts having a “hacker fares” system that can piece together various one-way flight tickets. It can allow you to save money if you are willing to take the extra time to get where you want to be. When you combine unique features such as this with its many filter options and the robust set of tools, you can see how good this search engine is. This is one of the best options for most people who want to save money on airfare.

 

Momondo

Momondo is an interesting flight search engine option that some people are going to be able to use very well. Momondo does a very good job of searching a wide swath of different available flights on a given date. It actually manages to catch various options that certain other flight search engines regularly miss. For this reason, it has been able to save people money on flights quite often.

momondo best flight search engine

 

The problems with Momondo start to pop up due to how it is set up. Using the search engine is easy enough but it does not always give you the most information right away. Whereas some flight search engines such as CheapOAir give you many transparent pieces of information about the flight, Momondo does not do this. Instead, you often have to click through on a flight to see things such as how much it costs, what airline the ticket belongs to, and more. This all probably sounds really bad and it is kind of an annoyance.

 

Regardless, Momondo has a lot of positive things to offer the flight search engine debate. It shows results from Southwest Airlines, which many flight search engines do not do. Southwest Airlines may not always be listed but it seems to search a wider variety of different flights than many of its contemporaries. Momondo also searches various fares from smaller OTAs so you are likely to get a good deal when you use this search engine to its full potential.

 

If this search engine could make a few changes to become more user-friendly, then it would truly stand out as one of the very top options. As it stands, this flight search engine is still good for certain purposes. It deserves a spot on the list because it offers some extra benefits by being able to catch flights that other search engines seem to miss. Depending on how you feel about the lack of transparency, you may be better off seeking out one of the more tried-and-true flight search engines.

 

Travelzoo

Travelzoo is definitely a little bit different from the flight search engines that have been listed so far. What makes this one stand out is that it is more focused on helping you to search for broad timelines rather than specific dates. For example, if you want to travel to Hawaii in the autumn, you will be able to search that period of time to see the available deals. It allows you to search by month and season rather than searching specifically for one date that you had in mind.

travelzoo best flight search engine

 

This could either be a nuisance or a very good thing, depending on your perspective. If you want to be able to save a lot of money, then this could really come in handy. Travelzoo lets you benefit from your ability to be flexible on your dates. It has the potential to help you find very cost-effective business class flights and you can even find deals on multi-city itineraries that can help make your vacation a reality.

 

Of course, this is not going to work out quite so well for those who have very specific plans in mind. If you are trying to travel to a specific place for your mother’s birthday, then you may want to rely on a more traditional flight search engine. This one is worth keeping in mind when you want to reap the rewards of deep discounts and you are capable of adjusting your schedule accordingly. Look into it if you think that you can take advantage of how this search engine works.

 

BookIt

BookIt is another great option to consider when you want to be able to have an easy experience. Unlike some of the other flight search engines on this list, the BookIt interface is very clean and simple to read. This is going to show you results for your searched flight dates on a chart. The chart can be read easily and all of the important information is going to be right there in front of you.

bookit best flight search engine

 

You will be able to see which flight has the best price as it will be very clearly marked with a “best price” logo. Other important information such as how many stops a flight has will also be clearly visible. It makes it very simple to see which options are going to be appealing to you at a glance. Many people are going to prefer this chart to the endless scrolling that some other flight search engines will offer.

 

There are some potential negatives that may make you think twice about using this as your primary flight search engine. It has booking fees and it is not always transparent about how much these fees are going to cost you. Even so, this is among the easiest ways to compare flights. You do not have to keep scrolling and trying to keep track of the best deals and shortest layover times when all of that information is on the chart right in front of you.

 

TripAdvisor Flights

TripAdvisor Flights is an offshoot of the popular TripAdvisor hotel reviews site. They have created a convenient flight search engine tool that works very well to help users find good deals. You will be able to get many results when using this search engine and it even pops up other flight search engines that will allow you to compare things with a simple click. It is a very transparent site that is easy to use.

tripadvisor best flight search engine

 

As an added benefit, you will also be able to easily access reviews of certain airlines and their fares. There are many user reviews of the various airlines that you will be searching. It can give you some information on what to expect if you are thinking of flying with an unfamiliar airline. If you like being able to empower yourself with information ahead of booking a flight, then this should come in handy. It can help you to avoid booking a flight with an airline that will not provide you with an optimal experience.

 

This flight search engine also has the traditional convenient tools that you should expect. You can easily check boxes to make sure that the results will prioritize non-stop flights. It makes it easy to find the information that you need and you should be able to use this search engine to its full potential without any trouble.

 

Expedia

Expedia is a website that is among the most popular options for finding flights. Users can use this search engine to find flights and will be able to also book hotels or rental cars from the same site. Essentially, this is a one-stop solution for everything that you may need for an upcoming trip. Some people may find it annoying that the site pushes hotels when you just want to look for flights, though.

expedia best flight search engine

 

One good benefit of using Expedia is that it does not charge you any booking fees when you book a round-trip flight with the same airline. This helps to keep your costs a little bit lower and will certainly come in handy. It also allows you to easily see plenty of information about your flight before checking out. You will be able to easily gain access to baggage rules, seating charts, information on cancellations, and much more.

 

This flight search engine has a good interface that is simple enough to use. You can use it to help find a good deal on a flight and that is what counts. It is transparent about any fees and allows you to avoid fees on round-trip flights booked with one airline. So long as you use this option properly, it should be easy to find the best deal on your desired flight.

 

Travelocity

Just about everyone is familiar with Travelocity due to their marketing presence. What many people are not aware of is the fact the Travelocity and Expedia are actually the same thing. These two sites are affiliated with Expedia owning Travelocity. The only real difference between the two is that the colors of the websites are different.

travelocity best flight search engine

 

There are some minor differences in how the site is organized too. For instance, Travelocity does not allow users to search for flexible dates. Expedia does have this option. Overall, you will have a very similar experience when using both Travelocity and Expedia.

 

Skyscanner

Skyscanner is a lesser-known flight search engine but often has better prices. They’re used by over 80 million travelers monthly to find not only flights, but hotels and rental cars as well. They also have an app for searching for flights on your cell phone. Skyscanner also allows for multi-city searches for those who are looking for a stopover or open jaw flight. You can find any flight you’re looking for on Skyscanner.

skyscanner best flight search engine

 

As a lesser-known entity, Skyscanner is one of the best flight search engines. It’s capable of searching whatever type of flight you’re looking for and comes back with some of the best results.

 

Testing for the Best Flight Search Engine

Each flight search is going to be unique and has differing results as to which is the best flight search engine, but we tested them out with an upcoming trip anyway. We’d like to visit Vancouver Canada during the Memorial Day holiday weekend this year. Let’s do a flight search on each of the best flight search engines to see what the results are. For each, we will check only for the best price available for 2 adults to fly from PDX to YVR on May 25-27. Keep in mind that the best price is not always the best option. The cheapest flight may cost slightly less, but have a much longer trip time.

  • Google Flights: $268
  • CheapOair: $248
  • OneTravel: $240 << WINNER
  • Kayak: $263
  • Momondo: $263
  • Travelzoo: No deals available
  • BookIt: $305
  • TripAdvisor: $308
  • Expedia: $265
  • Travelocity: $265
  • Skyscanner: $286

 

As you can see, the results vary by flight search engine. The best flight search engine, in this instance, is OneTravel. When searching for a flight, I’d suggest comparing multiple flight search engines before buying. A few of the best flight search engines above allow you to compare prices between each other which makes this simple. Another place to search is through Costco Travel if you’re a member.

 

Our Conclusion: Is there Really a “Best Flight Search Engine”?

If you use any of the flight search engines mentioned above, you should be able to have a good experience. They all have their own quirks and benefits. Only Travelocity and Expedia are exceedingly similar (since they have the same ownership). Otherwise, it may be helpful to see what each of these sites has to offer you before pulling the trigger on your purchase.

 

Finding a great deal on your next flight will not be hard at all. Just use these flight search engines properly and you’ll be able to save the most money possible. It will keep more of your hard-earned money in your wallet and you’ll have more money to do things on your vacation.

Chase Freedom Calendar 2019: How to 5X Your Ultimate Rewards

chase freedom calendar spring 2019

Are you looking for the current Chase Freedom Calendar?   We have the current Chase Freedom rewards calendar as well as all the old calendars dating back to 2013.   The Chase Freedom is a great credit card for earning Chase Ultimate Rewards points on purchases. It earns 5X points on quarterly rotating category bonuses. Over the years these bonuses have ranged from grocery stores to gas stations. From movie theaters to Amazon. And, from restaurants to warehouse stores.

 

Not only does the Chase Freedom credit card have great category bonuses, but it also has no annual fee. Remember to activate your card each quarter. You’ll be reminded through email so it shouldn’t be too hard to remember. Here is the current Chase Freedom cash back calendar: (Remember to activate each quarter)

 

Chase Freedom Calendar 2019

The 2019 Chase Freedom Calendar offers a couple of popular quarterly category bonuses in quarter 2. Grocery stores and home improvement stores should be easy to utilize with those Spring projects you’ve got waiting to be finished. Not seeing Chase Pay on the list once again is a bit surprising. Maybe they’ve finally ditched trying to push Chase Pay. Has anyone actually used it for any reason other than earning extra points? Anyway, it should be possible to maximize the bonuses each quarter. I’ve marked categories that sell gift cards to other stores (*):

  1. Gas Stations*, Tolls, Drugstores*
  2. Grocery stores*, Home improvement stores*
  3. Not Announced Yet
  4. Not Announced Yet

chase freedom calendar spring 2019

 

Here’s What the Chase Freedom Card Offers

Chase Freedom

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

 

Did You Know: You Can Multiply the Value of Your Ultimate Rewards?

Not everyone knows about it, but there’s a secret trick that can double the value of your Chase Ultimate Rewards. Chase Ultimate Rewards are worth just 1 cent each when redeemed using the Chase Freedom card.  Even though Chase doesn’t announce it, your Ultimate Rewards points are transferable between different Chase card accounts. They’re even transferable between different peoples’ accounts (household members). This is important because, with some of the premium Chase credit cards, it’s possible to redeem points at a higher value.

 

Double Your Ultimate Rewards Value

If you redeem Chase Ultimate Rewards through the travel portal. Only certain Chase credit cards have access to the travel portal though. The Chase Sapphire Preferred or Chase Ink Preferred offers 1.25 cents per points (25% more value) while the Chase Sapphire Reserve offers a whopping 1.5 cents per point (50% more value) by redeeming points through the travel portal!

Chase Freedom Rewards Calendar

 

Credit Cards with Chase Travel Portal Bonuses:

 

All three of these credit cards also come with the ability to use Chase’s travel transfer partners. You can transfer Ultimate Rewards to these travel partners at a 1:1 ratio. By using your points with airlines or hotels it’s possible to redeem points for well over 2 cents each. Pairing these premium Chase credit cards with your Freedom card multiplies your redemption value by double more.

 

Chase Sapphire Preferred

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

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

Ink Business Preferred

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

 

Past Chase Freedom 5% Calendars

If you’re interested, here’s what was offered in the past. The Chase Freedom calendar’s category bonuses have evolved over the years. For the most part, the offers have become better and better. Having the Chase Freedom in your wallet has been quite the benefit over the past few years if you were able to maximize it’s category bonuses.  Each year it’s possible to earn up to 30,000 points, which is more than enough to take a round-trip flight.

 

Chase Freedom Calendar 2018

2018  was the year of Chase Pay as it was a bonus category three out of four quarters.

  1. Gas Stations, Internet/Cable/Phone Services, Chase Pay/Google Pay/Apple Pay/Samsung Pay
  2. Grocery Stores (not including Walmart & Target), Paypal, Chase Pay
  3. Gas Stations, Lyft, Walgreens
  4. Department Stores, Wholesale Clubs, Chase Pay

Chase Freedom Calendar wide

 

Chase Freedom Calendar 2017

2017 was a good year for maximizing the bonus categories each quarter. It also introduced Walmart as a category bonus in quarter 4:

  1. Gas Stations, Transportation
  2. Grocery Stores, Drugstores
  3. Restaurants, Movie Theaters
  4. Walmart, Department Stores

Chase Freedom Calendar 2017

 

Chase Freedom Calendar 2016

2016 was very similar to the previous year.  It gave a decent shot at reaching the maximum bonus rewards each quarter.  Wholesale clubs were very popular:

  1. Gas Stations, Transportation
  2. Grocery Stores, Wholesale Clubs
  3. Restaurants, Wholesale Clubs
  4. Department Stores, Wholesale Clubs, Drug Stores

Chase Freedom Calendar 2016

 

Chase Freedom Calendar 2015

In 2015 the categories got a little bit better.  There was a real chance of maximizing the category bonuses:

  1. Grocery Stores, Movie Theaters, Starbucks
  2. Restaurants, Bed Bath & Beyond, H&M, Overstock.com
  3. Gas Stations, etc
  4. Amazon.com, etc

Chase Freedom Calendar 2015

 

Chase Freedom Calendar 2014

2014 was a little more useful than 2013, giving customers a better chance of maximizing their bonuses each quarter:

  1. Gas Stations, Movie Theaters, Starbucks
  2. Restaurants, Lowe’s
  3. Gas Stations, Kohl’s
  4. Amazon.com, Zappos.com, Select Department Stores

Chase Freedom Calendar 2014

 

Chase Freedom Calendar 2013

2013 brought us a selection of category bonuses, but some of them were difficult to maximize.

  1. Gas Stations, Drugstores, Starbucks
  2. Restaurants, Movie Theaters
  3. Gas Stations, Theme Parks, Kohl’s
  4. Select Department Stores, Amazon.com

Chase Freedom Calendar 2013

 

As you can see, having a Chase Freedom credit card can pay off. Earning 5X points on many purchases can earn you a free round-trip flight each year or more. When you bundle your Freedom card with other premier Chase credit cards, you can redeem those points for even more. The Chase Ultimate Rewards system is the best in the market. The Chase Freedom is one of the easiest ways to earn Ultimate Rewards. If you don’t have one yet, you should think about adding it to your wallet.

How is a Credit Card Number Selected? They’re Not Just Random

How is a credit card number selected

A credit card number is a 16-digit string of numbers, separated in 4 groups of 4 numbers each for ease of reading. In some cases, the number can be as long as 19 digits.

 

Have you ever wondered how that number is generated? Well, we’ve got the answer. The numbers are based on the American National Standards Institute ANSI numbering system.

Travel Freedom Credit Card

See the best current credit card offers >>

 

Purpose of the Credit Card Numbers

Credit Card numbers are more than just random digits. Parts of the number are identification markers for the kind of credit card that it is. The first six digits are used to identify the card issuer and the type of card it is. The first digit is called the major industry identifier or MII.

 

  • The numbers 1 and 2 are issued by airlines.
  • The number 3 is issued by the entertainment and travel industry. The MII for American Express card is 3.
  • The numbers 4 and 5 are reserved for banking and financial institutions. Visa Cards begin with the MII 4. Cards from MasterCard start with the MII 5.
  • Number 6 is issued by merchandising and banking industry. For example, cards issued by Discover start with the number 6.
  • The number 7 is reserved for petrol and oil companies.
  • Number 8 is issued by telecommunication companies.
  • Number 9 is reserved for national assignment.

 

The digits from 2 – 6 are reserved for the bank that is issuing the card, the currency information stored on the card or the kind of services that are available on it. Each card issuing authority may use the numbers in a different manner. For example, MasterCard uses the digits two and three or two through six to identify the bank number. On the other hand, American Express uses digits three and four to specify the currency on the card and services it provides.

 

The digits 8 – 15 on the card are used to identify the bank account holder’s information and links the card to the debit or credit account. When you enter the credit card number to an online vendor for purchase, these digits are used to forward the transaction to your bank and ask for verification.

 

The last digit on a credit card is called a checksum. It is a key that is used to identify whether a card is valid. The key is created by a formula known as the Luhn algorithm. The algorithm is used to create this last digit, based on the first 15 digits on the card.

 

The checksum is able to identify errors quickly as there is only a one in ten chance that a randomly generated card number has the correct last checksum. It can detect when a person enters incorrect card information.

best travel credit cards dog

 

Luhn Algorithm Calculation

The Luhn algorithm can be calculated by the ‘modulo arithmetic’ principle of digital roots. The algorithm uses modulo 10 mathematics.

 

This method takes every odd digit on a credit card number from the left and multiplies it by 2. The result of multiplication for all the numbers is added together to give a total. This total is called the ‘digital root’.

 

The next step is to add all the even numbers on the card. The sum of the even numbers is added to the digital root to give the final total. The last digit is calculated as the number that would be needed to make the total a multiple of 10.

 

For example, supposes that the first 15 digits on a Visa card are 4051 2867 9734 524. The sum of odd numbers multiplied by 2 would be:

  • 4 x 2 = 8
  • 5 x 2 = 10 i.e. 1+0
  • 2 x 2 = 4
  • 6 x 2 = 12 i.e. 1+2
  • 9 x 2 = 18 i.e. 1+8
  • 3 x 2 = 6
  • 5 x 2 = 10 i.e. 1+0
  • 4 x 2 = 8

 

Total would be 8 + 1 + 0 + 4 +1 + 2 +1 + 8+ 6 + 1 + 0 + 8 = 40.

 

Then, we add the total of all the even numbers 0 + 1 + 8 + 7 +7 + 4 + 2 = 29.

 

These two numbers would be added to give us a total of 40 + 29 = 69.

 

In order to make the number a multiple of 10 i.e. 70, we would need to add the digit 1. Thus the last checksum for the hypothetical number above would make I 4051 2867 9734 5241.

 

While it is possible to calculate this checksum and hackers can get around the check, it does add a little complexity and security to the number to protect it from poorly educated criminals.

How to Apply for a Credit Card Online: It’s Quite Simple

how to apply for a credit card online

Credit cards are very useful as they can be charged for getting access to different types of funds. Short-term loans and bank credit are effective for funding business or personal expenses. Smart entrepreneurs also use credit cards to fund assets through debt restructuring where the outstanding credit can be apportioned to be paid over one or two years. If you’re nervous about the application process, read on. Here’s everything you need to know about how to apply for a credit card online.

 

Many businesses take loans to finance operations. Loans usually cost businesses less than it costs to raise equity. Corporate credit cards are effective for funding temporary projects. They are also easy to apply and receive through online registration.

 

Personal credit cards can also be acquired through an online application process. If you have a good credit rating, you should be able to get one through relative ease. In this blog post, we describe the process of how to apply for a credit card through an online application.

 

Safety for Online Credit Card Application

The first concern for people looking to apply for an online credit card is identity and information safety. There is some risk of identity theft when trying to apply for a card online. Hackers can steal your information and use your personal information to change the mailing address for the card.

 

However, the risk is very small. Most reputable banks are now using online encryption technology for application submission. To ensure the connection is secure, check the bank’s address at the top in the URL bar. If it says “https” instead of “http” then that means the website is secure.

 

Another thing to make sure for online application is that you are the one who initiates the application process. If you get an email offering you a credit card or a pop-up message on a website that offers a credit card, then be very careful about proceeding. Senders of such unsolicited messages asking for personal information like SSN, home address, or date of birth. Do not share any such information with them.

 

Purpose of Credit Card

Once you have the security sorted, the first step is to identify why you are getting the card. Are you looking to get credit to manage your monthly expenses? Or perhaps you want to get a rewards credit card to get the best sales offers? Most people get a credit card to fund their business expenses.

 

Depending on your needs, you will need to select one of three credit card types.

  1. Standard Credit Card
  2. Rewards or Loyalty Points Card
  3. Corporate Credit Card

 

Compare Rates and Fees

Next, you should research the card charges, rates, and benefits offered by different banks, and card providers. There are five important things that you should consider here.

 

  1. Available Limit – This will depend on your income and existing credit score.
  2. Annual Fee– This is the annual fees charged by the card issuing company. It is usually between $20 and $50. However, some cards can be more expensive.
  3. Annual Percentage Rate (APR) – This is the fees and interest you would be paying on the outstanding balance. Your APR can be fixed or floating. Fixed APR is charged at the same rate regardless of national interest rates. Floating charge fluctuates with changes in national interest rates.
  4. Grace Period – This is the time period you are allowed to settle the balance from the date of the transaction without incurring any interest on it.
  5. Late Fee – This is the fees you will be charged if you settle the debt soon after the due date has passed. Most banks charge a late fee for missed payments.

 

Know Your Credit Score

Your credit score is your history of meeting obligations and clearing outstanding balances on time. If you consistently buy on credit and clear the accounts on time, your credit score will go up. If you fail to meet payments on time, your score will go down. Increase in income, paying off debt or mortgage also increases your credit score. Taking on new debts or additional obligatory payments decrease the score.

 

A good score will allow you to get a better card limit and may also affect your fixed APR to give you better rates. Do note that every time you apply for a credit card or a new loan such as a mortgage or mobile plan, it has an effect on your credit score. If your request for credit is rejected for any reason, it further deteriorates your credit score. So, make sure that your application is ready for acceptance before applying.

 

Credit Sesame Price: Free Get your free credit score each month, and monitor your credit report at no cost. We'll also send you monitoring alerts about changes to your credit report. Credit Sesame

 

Decide on a Credit Card

Once you have done the appropriate research on the credit card that you want, go through the company’s terms of services and conditions. Make sure you read and understand the conditions. Getting a credit card is a big commitment and you should never rush into applying for a credit card to meet expenses. Keep your income in mind and have a plan on how you will repay the balance before the due date.

 

If you are not clear on the terms or need help to understand the charges better, do not hesitate to approach the company on call and ask for clarifications.

 

Five of our Favorite Credit Cards

Chase Sapphire Preferred

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

See our full review of the Chase Sapphire Preferred.

 

Capital One Venture

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 50,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 2X points on every purchase.
BENEFITS
Statement credit for Global Entry or TSA PreCheck.
Transfer points to airline and hotel travel partners.
FEES
$95 annual fee. (waived year 1)
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great travel credit card. It offers a large introductory offer, free TSA PreCheck for 5 years, plus the annual fee is waived the first year.

See our full review of the Capital One Venture.

 

Amex Platinum Card

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

See our full review of the Amex Platinum.

 

Ink Business Preferred

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

See our full review of the Ink Business Preferred.

 

Chase Freedom

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

See our full review of the Chase Freedom.

 

Fill Out the Online Application Form

Once you are satisfied with the company and credit card terms, visit the application page for your chosen card company. You will be required to fill out an online form which is similar to the form you fill out when applying at the bank in person.

 

Important information will need to be filled out such as full name, cell phone number, home address and date of birth. You will also need to fill in your SSN, your salary income and other relevant information such as existing loans etc.

 

If you are applying for a corporate card on behalf of your company, you may also be asked to submit business documents and information about the company’s directors and managers.

 

Once you have filled out all the information, you will be required to confirm your identity through a pin code that you will receive through an automated call, text message or email. After you have entered the code, you will need to submit the application.

 

Approval and Credit Card Delivery

After the application has been received by your bank or the credit card company, they will take 2 to 5 business days to go over the detail and confirm the accuracy of the details that you have provided. The company may approach your employer to confirm your job status. They may also check your bank account details. You may also receive a call by a company’s representative to confirm that you have applied for the credit card.

 

These steps are meant to improve transparency and ensure that you have indeed applied for the credit card. For instance, once the information is confirmed, you will receive the credit card through the mail on the address you provided during application submission.

 

Post-Delivery Confirmation

Once you have received the credit card, you will need to get it activated online or through call before it can be used. The verification process is quite easy and usually takes less than 2 to 5 minutes.

Credit Score Range: How to Reach Excellent?

credit score range

If you’re trying to understand the credit score range better, you’ve come to the right place.  You’ll learn what the credit score range is, what good credit scores are, and what excellent credit scores are.  Have you ever wondered what goes into calculating a credit score, or how to improve your own credit score?  It’s possible to get into your desired credit score range if you understand a few simple facts.

 

There are different types of credit scores, so you’ll learn the difference between them.  The main scores are Experian, Transunion, Equifax, and the most popular FICO credit scores.  Because FICO is the most used credit score that lenders see, we’ll focus on it mostly.  If you have a good credit score you can use it to your advantage.  You can even travel for free (or close to it) by earning travel points and miles through credit card introductory bonuses.  Learn how this is possible after understanding how the credit scores range works.

 

credit scores range

 

What is Credit?

Simply put, credit is money borrowed for purchases or services that must be paid back within a certain timeframe.  This money is typically borrowed from a bank or financial institution.  Credit usually involves paying a fee, called interest over the time period that the money is borrowed.  Credit can come in the form of a house mortgage, a car loan, or credit cards to pay for smaller purchases.

 

The better your credit score is, the better the terms (lower interest) will be on your borrowed money.  Also, with better credit scores you are able to be approved for travel credit cards that can earn thousands of dollars worth of travel for free.  I am a frequent traveler who uses my excellent credit to earn millions of points to use toward travel for my family.  I’ll show you how that is possible later.

 

 

What is the Credit Score Range?

The most common credit score range is between 300 and 850.  Almost all types of credit score use this range or something very similar.  Within this credit score range, 300 is the worst possible score and 850 is the best.  It is thought that any credit score above 800 is essentially the best because you will always receive the best interest rates Credit Score Rangeand be approved for the best credit cards.  For this reason, you should strive to earn an 800 or better on the credit score range.  Knowing the possible scores within the credit score range is the first step to understanding credit.

 

FICO Credit Score Range

Now you may be wondering what scores mean and what credit score ranges are bad, fair, good or excellent.  To the right, you will find a chart that shows the credit score ranges for each of the ratings.  This chart separates the top scores into good, very good, and exceptional credit scores, while most ratings only have either good or excellent.  It also shows what percentage of people in the United States fall into each of the categories.  As you can see 66% of Americans have at least good credit.  If you have at least a good credit score, you’ll have a better chance of being approved for some of the best travel credit cards.

 

What is a Good Credit Score?

A good credit score is one that falls between 670-749.  With a score in this range, it is possible to be approved for credit cards that require good credit or better.  Having a score of 700+ gives your chances of being approved for those higher level credit cards a boost.  670-699 is more of a gray area.  Some lenders qualify this credit score range as good and others consider it to be fair.  If you have a good credit score, you will likely be approved for loans, but will not get the best terms available to the market.

 

what is a good credit score

 

What is an Excellent Credit Score?

An excellent credit score is one that falls between 750-850.  A perfect credit score is 850, but it is not very important what the number is after you reach 800.  Anyone with a credit score over 800 will have the best chance of being approved for any credit card, and get the best interest rate on loans.  Having a credit score of 800+ puts you in an exclusive club joining only about 20% of all credit scores.  This high of a credit score is only possible if you’ve been responsibly using credit cards and loans for multiple years.  With a score of 750-799 you should qualify for all credit cards and loans, but may not always get the best terms.

 

How are Credit Scores Calculated?

In order to have a FICO credit score, you need to have had at least one account open for six months.  It must also have been reported to the credit bureau within the same time frame.  Also, you must not show as deceased on your credit report.  If you have a joint account with someone who passed away, you may need to close it or have the name of the deceased person removed from the account before your credit score will show up.  While there are three major How Credit Scores are Calculatedcredit bureaus, with whom you’ll have slightly different credit scores, we’re going to focus on FICO.  As mentioned before FICO scores are within the credit score range of 300-850.

 

FICO credit scores are calculated by using five differently weighted factors.  The chart to the left shows the five factors and what percentage each is weighted in calculating a credit score.  The most important factor is payment history, followed closely by credit utilization.  The last three factors: credit age, types of credit, and inquiries combined are weighted about as much as the first two. This means that when you are considering how to improve your credit score, the two largest factors should be focused on the most.

 

Credit Score Range Factors

  1. Payment History (35%)

    Paying your loans and credit cards off in full and on time will help your credit score the most.  An easy way to make this happen every time is by using automatic payments.  It’s also wise to think about your credit card as if it were a debit card.  Don’t spend money that you don’t actually have.  Not only will it hurt your credit score, but you will be paying high-interest charges.

  2. Credit Utilization (30%)

    In terms of a credit card, this means that you want to keep the amount you spend to be less than 30% of the amount of total credit you have been given.  So, if you have a credit line of $10,000 you never want to have more than $3,000 of debt on the card at any time.  If you want to have an excellent credit score you should really try to keep this amount under 5% utilization.  That means the higher credit line you have the better your utilization should be.

  3. Credit Age (15%)

    The longer you’ve had your accounts open, the more it will help your credit score.  Just because you stop using a credit card very often doesn’t mean you should close it.  If the card has no annual fee, keep it open and try to make a charge on it each year so that it doesn’t get automatically closed.  If the credit card does have an annual fee, call the credit card issuer and ask if there are any no fee options that you can convert to.  This is often an option and will help your credit score in the long run.  For instance, if you have had a Chase Sapphire Preferred credit card, but no longer get enough value out of it to validate paying the annual fee, you can convert it into the no annual fee, Chase Freedom card.  This will extend your overall credit age.

  4. Different Types of Credit (10%)

    Having different types of credit will slightly help your credit score.  This means having multiple loans, such as credit cards, car loan, and mortgages actually help your score. While this does slightly affect your credit score, it is a very small factor.

  5. Number of Inquiries (10%)

    The number of hard credit inquiries you have within the past two years slightly affects your credit score.  A hard inquiry happens each time you apply for a loan or credit card.  Hard inquiries can also occur for things like rental applications.  Typically, each time you apply for a credit card, your credit score will dip 3-5 points.  Over the course of having a credit card, your score will improve more than that, due to the heavier factors above.

 

what is an excellent credit score

 

free credit scoreDo You Know Your Current Credit Score? Check for Free!

Is your credit score a sports car or a clunker?  You should be regularly watching your credit score.  Errors do occur, and it’s always wise to keep an eye on what is going on with such an important factor in your finances.  You can check your credit score for free with Credit Sesame.

 

Along with your overall credit score, they give you a grade A-F for each of the five credit score factors.  They also send you updates and alerts via email anytime major changes happen to your credit.  It’s an easy and completely free way to make sure your credit is safe.  They even have an app now that you can check your score anytime you want conveniently on your cell phone.

 

700 Is the Magic Number for Travel Credit Cards

If you have a credit score of 700 or higher, you are in great shape to apply for travel credit cards that offer excellent rewards.  With a score in this credit score range, you will likely be approved for any credit card you want.  Many credit cards come with introductory offers that can be redeemed for more than $1000 in travel rewards.  The best travel credit card to start with is the Chase Sapphire Preferred.  It typically offers a 60,000 point introductory offer and waives its annual fee for the first year.  That’s enough points to take a very nice vacation with.

 

This was the first ever travel credit card I applied for back in 2012 and it’s still the best card to start out with.  In this post I wrote, you can find out how I spent those first points I earned through the Chase Sapphire Preferred card.  You’ll also learn more details about this card and what makes it so great.  If you’re interested in traveling, points can be your savior.  You don’t have to be rich to travel like you are.

 

travel and leisure

 

The Best Travel Credit Card Offers

While there are hundreds of rewards-earning credit cards, there are a few that really stand out.  The main reason that certain credit cards stand out above the rest is the introductory offers for travel points.  Travel credit cards offer an array of introductory offers ranging from 30,000 points to over 100,000 points.  Two important factors in deciding what travel credit card to apply for are how many bonus points are offered and what the value of those bonus points are.  Not all points are worth the same value when it comes to travel.  When redeemed, some rewards points may be worth less than one cent, while others may be worth more than two cents each.  Here are some of the best offers:

 

Best First Travel Credit Cards

 

Chase Sapphire Preferred

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

 

Capital One Venture

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 50,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 2X points on every purchase.
BENEFITS
Statement credit for Global Entry or TSA PreCheck.
Transfer points to airline and hotel travel partners.
FEES
$95 annual fee. (waived year 1)
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great travel credit card. It offers a large introductory offer, free TSA PreCheck for 5 years, plus the annual fee is waived the first year.

 

Best Business Travel Credit Card

 

Ink Business Preferred

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

 

*For more information on even more great business credit cards check out this post: Best Business Travel Credit Cards.

Best No Fee Credit Cards

Chase Freedom

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

 

Wells Fargo Propel

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 30k points after you spend $3000 in the first 3 months.
REWARDS
You’ll earn 3X points on eating out and ordering in. 3X on gas, transit, and rideshares. 3X on travel. 1X on all other purchases.
BENEFITS
Intro APR offer.
ANNUAL FEE
No annual fee.
TRAVEL FREEDOM THOUGHTS
This is a great no-fee credit card. It has a good introductory offer and earns bonus points on many categories.

 

Best Premium Travel Credit Cards

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

Amex Platinum Card

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

 

How to Improve Your Credit Score

If your credit is not yet within the 700+ credit score range you need to work on building your credit.  “How?”, you may ask yourself, is it possible to improve your credit score?  Start by understanding the five factors that go into a credit score: Payment History, Credit Utilization, Credit Age, Types of Credit, and Inquiries.  If you only focus on two things, let them be the two most important factors that add up to 65% of how credit score ranges are calculated.

 

Focus on the Most Important Factors

First, make sure your payments are always, always, always paid on time!  ALWAYS!  Second, get your credit utilization under 5%.  Paying off your credit card in full every month will help with this.  There are two ways to help this utilization percentage.  Lower the amount of credit you use, or raise the amount of credit given to you.  You can spend $500 monthly of a $10,000 total credit line, or $5,000 of a $100,000 credit line.  If you keep your spending as is, and gradually add credit cards with $5-10,000 credit limits, ultimately your credit utilization will go down.  Also, if you are in the market for a new car or home, don’t pay in full.  Taking out a loan for either will help your credit mix which will improve your position in the credit score range.

 

fico credit score range

 

Credit Scores Range Conclusion

Now that you have a better understanding of credit score ranges, you can take advantage of, or work to improve your own score.  You’ve learned what the credit score range is, what good credit scores are, and what excellent credit scores are.  You know how a credit score is calculated and how to improve your own credit score.  It is possible to get your credit score into your desired credit score range and to take advantage of the benefits of your good score.  If you love to travel, go use your credit score to earn the vacation of your dreams.  Over and over again!

 

Travel Blog Ideas, Tips & Success from Travel Sites Around the World

travel blog ideas

Every day I personally look through hundreds of travel blog ideas, tips, and success from the best travel blogs on the internet. When I find articles that I feel would be valuable to you, I put them together and post them to this article on Travel Freedom. I also usually input some commentary. Today I found a new travel idea that meets my standards to pass it along. Here’s what I found…

 

Travel Blog Ideas (2018)

 

Airplane Etiquette – Live & Let’s Fly

Always be aware of your surroundings. If you’re thinking about reclining your airplane seat, that’s fine, but make sure to check behind you first. It’s possible that the person sitting behind you has things on their tray table that could be broken with the sudden recline of your seat. This almost happened to Matthew, when his laptop became jammed between the tray table and the back of the reclined seat.


Travel Credit Card Offers

Add Egypt Back to the Bucket List – The Points Guy

Egypt has a lot going for it. The safety concerns stemming from its 2011 revolution have been stabilized, a new sphinx has recently been uncovered, new hotels are being built, and a huge museum focused on the Egyptian civilization is about to open. I have always been fascinated with the Egyptian civilization, but have not yet been able to travel there. I hope to make the trip within the next five years, to see the pyramids, Sphinx’s, the Nile River, and experience the culture first hand.

 

Over the past few years, I haven’t felt comfortable enough to travel there due to safety concerns. This article, along with other news has helped ease my worries about traveling to Egypt. I can’t wait to see it all and check it off my bucket list.

 

Westin Hapuna Beach Hawaii – The Points Guy

Next time I go to Hawaii I think I’ll spend at least some of the time at this hotel. With a decent redemption rate through Marriott, this resort is a good deal if using points. I’ve never stayed at this hotel, but have been to Hapuna Beach and enjoy the area. It’s just North of Kona and very near to some amazing beaches on the Big Island of Hawaii.

 

Hopefully, the redemption rate stays the same at this property so that we can get multiple free nights with the Marriott Rewards Premier Plus credit card, SPG credit card (Read more – terms apply), or the SPG Business credit card (Read more – terms apply). They all earn points and free annual nights in the newly merged SPG/Marriott program.

 

17 Incredible Safari Photos – Million Mile Secrets

Going on an African Safari is one of my top bucket list ideas. They were lucky enough to see a huge assortment of animals on the game reserve in South Africa. When I go on a safari, I’d like it to be in Kenya or Tanzania during the Great Migration. I’d really like to go on a camping safari for a week, even though it’s probably not quite as safe as some other African Safari’s. It would be amazing to be able to see so many exotic animals in their natural habitat.

 

16 Amazing College Towns – Million Mile Secrets

Have you ever visited any of these college towns? Maybe you happen to live in one as I do! I’ve been to three of the cities on the list and live in one of them. I’ve been to Boulder, Charlottesville, and Berkeley. I have lived in Eugene, Oregon for all but one year of my life and will expand on Million Mile Secrets’ explanation. It’s the home of the University of Oregon Ducks, many outdoor activities, breweries, vineyards, running enthusiasts (Track Town USA), and great bike paths. Also, the Oregon Ducks aren’t the only green thing you can legally experience while in the state (if you can read between the lines and you’re into that). Eugene is nestled between the mountains, the Pacific Ocean, rivers, lakes, and the city (Portland). All of which are within a two-hour drive, making this a great place to visit or live!

 

Being Single Makes Travel More Expensive – The Points Guy

While this is up for debate in the comments of the post, I’d have to agree that traveling with a partner is much more frugal. While flights remain the same per person, hotels and such end up costing the same price no matter how many people are staying with you. For a $100 hotel room, it will cost the full amount for a single traveler, while it will cut the price in half if you’re traveling as a pair. Sometimes my wife and I will save on food as well by sharing plates at a restaurant. Especially when we go somewhere with huge portions and we lack the equipment to save or reheat them.

 

Free Messaging on Southwest – The Gate

It’s always nice to be able to communicate with friends and family while in the sky. Southwest is rolling out free messaging on their flights and should be done in October. This means you can message whoever is picking you up with an accurate time of when you should be arriving at the airport. Or you can get in on that group chat that you’d normally come back to with hundreds of unread messages.

 

From experience on Alaska’s free messaging, I noticed that it also allows some other apps to work, whether on purpose or not. While I was flying to and from Washington DC this summer I was able to receive updates on Twitter through the free messaging.

 

Best Hawaii Hotels Using Points – Million Mile Secrets

While we normally stay in a condo in Hawaii, we’ve also stayed in two of these hotels as well as a few others. Hawaii is our favorite destination due to its beauty and ease of travel from the west coast. We typically stay in condos so that we can prepare most of our own meals. But, with these options available using points, we may try booking a hotel for “free” next time. I say “free” with quotations because many of these hotels have resort fees, which you still have to pay on reward stays. I’m not a fan of resort fees. Why should a hotel have a set price for a room and then for no particular reason add another fee to the price?

 

We stayed at the Grand Hyatt Kauai using our free nights through the World of Hyatt credit card. The hotel was in a great location in Poipu and was beautiful. The sand bottom pool was great for relaxing if we didn’t want to make the trek another 100 yards to the beach. It had nice white sand beaches just in front of the property. We even made S’mores one night out near the pools!

 

Another of these hotels that we stayed at was the Hyatt Place Waikiki Beach, which we did not enjoy. It’s a few blocks from Waikiki Beach and in a great location if you like that area. We found the hotel to be pretty run down and not what you’d typically expect from a Hyatt Place Property (they usually have nice chic rooms with the somewhat separated bed and living space with modern shower). Also, we dislike the Waikiki area. The beaches are not nice and it being overcrowded is an understatement.

 

Alaska Airlines Has VR Headsets on Flights – The Points Guy

Virtual reality has hit the skies. Alaska Airlines has rolled out VR headsets on a few of their flights. You’re only able to watch a few movies in virtual reality 3D. Fortunately, the films that are on the headsets are only forward facing VR. If not you might have passengers moving all over the place on the plane! I’ve never watched a movie with one of these headsets, but it’s supposed to give the feel of being in the theater. It seems like a good touch for Alaska Airlines. I just hope they wipe off the headsets with sanitizer after each use.

 

$169 Flights to Iceland – The Points Guy

If you’re able to travel between September and December you may want to look at going to Iceland. Wow Air currently has tickets on sale for $169 round trip. They fly from quite a few major airports in the US, including a couple on the west coast. The US airports that have this deal available are PIT, EWR, JFK, BWI, BOS, CLE, STL, CVG, DTW, DFW, SFO, & LAX.

 

Alaska Airlines is Giving Away 100,000 Miles – The Gate

Free miles. Yes, please! Alaska Airlines is giving away 100,000 miles plus money to cover the taxes that it may incur. It would be pretty nice to have some extra miles. Where would you go if you were to win? I think I would use my Alaska Miles on short-haul flights along the west coast. Good luck if you enter!

 

How to Transfer Chase Ultimate Rewards to Airline Partners – Points, Miles & Martinis

Since the most popular card for beginners in the points and miles space is the Chase Sapphire Preferred, this will be pretty useful. The blog post shows how to transfer Chase Ultimate Rewards to Airline partners. This is the way to get the most value out of your points, so take notes. I often transfer Chase Ultimate Rewards to British Airways to fly to Hawaii, and to Southwest to take advantage of my Companion Pass status.

 

Personally, I dislike the Seahawks… GO RAIDERS!!! But, in this case, Delta is giving away miles to Washington Residents as part of their 12status promotion. You will earn miles without even flying. They’re giving you a mile for every yard the Seahawks throw for, which should be a few thousand. You will also receive priority boarding. Seems like a good deal for those of you who consider yourselves Seahawks fans… EW!

 

Man Lives in Airport – View From The Wing

Could you live in an airport for a day? A week? A month? How about 18 years?!? That’s how long a man once lived in Paris Charles De Gaulle airport (as seen in Tom Hanks’ movie The Terminal). I never realized that the movie was a true story… Now I want to go watch it because I never have. How long do you think you could live in an airport? It might be an interesting journalistic story for a travel blogger to try out. Priority Pass would be a necessity, as well as a boarding pass that you could delay over and over somehow…

 

1 IN 50 PASSENGERS WILL FIND LOVE ON AN AIRPLANE – VIEW FROM THE WING

Oooo la la! Are you the 2% who has already found love on an airplane? Was it love at first site? This article talks about a survey that also says what flyers pet peeves are while aboard an airplane. The survey is actually probably pretty inaccurate because it only surveys 2000 people… but it was a fun read anyway. Did you know the first couple found joining the mile high club was found naked and dead, because they crashed the plane they were in?!? At least they died having fun…

 

I’M GIVING AWAY 1,000,000 MILES – THE POINTS GUY

The Points Guy has partnered with United Airlines to raise money for the Make A Wish Foundation. They’re giving away a whopping one million miles to the winner of their raffle. To enter you can donate at least $10. With some of the larger donation amounts, you will receive some swag along with your entries. The article also shows a few ways you could spend your million United miles if you’re the winner. My favorite on the list is number 1, having first-class going all the way around the world.

 

BEST TRAVEL TOYS FOR KIDS – MILLION MILE SECRETS

Emily from Million Mile Secrets has put together a list of toys that travel well with children of all ages. She compiled a group of toys for babies, toddlers, and young children of age three or higher. A flight of five hours is a long time to keep your child occupied in a confined space. If you have children, let us know what their favorite toys to bring on the plane are in the comments. I’d love to hear, for future reference!

 

AIRLINE GIMMICK TO AVOID COMPENSATION – LIVE & LETS FLY

Have you recently had any flights where the flight time seemed extraordinarily long for the distance you were traveling? I definitely have, but didn’t realize why. This article makes complete sense to why airlines would be fluffing the estimated arrival time of your flight. My wife and I actually experienced this on our recent flight from Washington DC (DCA) to Dallas (DAL). Our flight was delayed nearly an hour, but somehow we actually got there before our expected arrival time. I was confused and didn’t think we could have made up that much time in the air. This gimmick would make sense to why we made it to Dallas on time. Have you experienced this yet?

 

Southwest to Hawaii News – Mile Value

Hawaii is due for some good news, after suffering from earthquakes, heavy rains, volcanic lava, and a hurricane to top it off. Finding out that Southwest will be booking and flying it’s new Hawaii routes starting in September or October is excellent news. My wife and I have earned a Southwest Companion Pass for the rest of 2018 through the end of 2019. We plan to use it for some buy-one-get-one-free Hawaii flights! Now I’m interested to see what the pricing will look like, and when they will add new departure cities from the mainland. I’m really hoping for Portland or Seattle to be added soon after launch.

 

Chase Sapphire Preferred card holders are VIP at Popular Events – Million Mile Secrets

Whether you knew about it or not (most don’t), the Chase Sapphire Preferred comes with a somewhat secret benefit. It’s cardholders have VIP Access privileges at many concerts, sports, and dining events. I have never looked into these in the past, but I’m going to start as some of the events sound pretty amazing. VIP Access at an Ed Sheeran concert in a luxury box for $300 sounds pretty cool… Having a special dinner at a Michelin Star restaurant… Yumm. Did you know about this benefit of having the Chase Sapphire Preferred credit card?

ALSO: Chase Ink Business Preferred credit card holders also have access to some of the events.

 

GUIDE TO EATING HEALTHY ON PLANES – THE POINTS GUY

While I’m not a mom, my wife and I do want to have children soon, so this one hits home. Many people with kids claim that it’s impossible to travel once you have kids. I’m sure you’ve heard something to this extent before… Well, whether they mean financially or just the difficulty of added passengers who don’t always obey or even understand, I’m going to boldly say they’re wrong! No, I don’t have children yet to judge how hard it really is, but I’m gonna go out on a limb here and say we won’t stop traveling when we have kids. This article explains how traveling with her kids actually made her a better mom.

 

HOW AIRLINE MILES MAKE ME A BETTER MOM – MOMMY POINTS

Airplane seats that kill bacteria instantly? Sounds like people will be getting sick less from travel… Oh wait, aren’t some bacteria we carry good for us? I’ll let you decide for yourself whether or not these newly designed airplane seats are a good thing.

 

SELF-CLEANING AIRCRAFT SEATS – THE POINTS GUY

Ok, this isn’t really travel related unless you consider driving to 7-11 travel… But, they’re giving away free 12 oz cans of Redbull at 7-11. All you do is click this link, input your phone number, and you’ll receive a coupon. Make sure not to redeem the digital coupon until you actually are ready to purchase the Redbull, because the coupon will only be valid for 15 minutes from that point.

 

WORST TRAVEL HABITS – THE POINTS GUY

Here’s a list of the worst travel habits out there. Hopefully, you aren’t one of “THOSE” people, when it comes to flying…

 

THINK TWICE BEFORE TURNING OFF THE AIR VENT – TRAVEL & LEISURE

Keep that airplane air vent flowing! It may just prevent you from getting sick… did you know that those vents were originally made to clean the air from cigarette smokers on planes? I still can’t believe that was ever allowed… DISGUSTING!

 

EASY 5X AT OFFICE MAX – FREQUENT MILER & FEE WAIVED VISA GC’S AT STAPLES – DAN’S DEALS

If you’re trying to meet a minimum spend for a credit card, or have a credit card that earns multiple points per dollar you’ll want to know about these two promos going on right now. I’ll be heading to both stores with my Chase Ink Cash credit card that earns 5 points per dollar at both.

 

7 WAYS CREDIT CARDS CAN HELP GROW YOUR BUSINESS – THE POINTS GUY

If you have a small business, or work independently you may find this article interesting. It describes a few ways that credit cards can help your business. As a small business owner, myself, I find this topic interesting and will be writing about it soon as well.

 

Increased Chase Ink Preferred Introductory Bonus – Miles to Memories

The Chase Ink Preferred normally has one of the best introductory bonuses, but if this is true and the bonus is even higher than normal… Oh boy, jump on that if it is indeed true. 100,000 Chase Ultimate Rewards points can go a long way. No joke! I can think of four ways I could spend them… how about 4 round trip flights to Hawaii from the west coast.

 

Chase Freedom Unlimited (double) 3x Points – Mile Value

Let’s keep it going with increased Chase introductory bonuses! This one is for sure… Normally this card will give you 1.5 points on all purchases, but now they’ll give you double that in the first year of having the card. Three Chase Ultimate Rewards points per dollar on all types of spend is something to write home about!

 

10 Life Changing Decisions People Make on Vacation – The Points Guy

On to the list articles for the day. This one by The Points Guy and his peeps is a list of 10 things people decide to do while on vacation… Some good, some bad… All life changing.

 

10 of the Worlds Best Hotels that Cost Under $300 – GODSAVETHEPOINTS

Next on the list of 10 articles is one about the best hotels around the world that will cost you less than $300 per night. $300 per night is pretty expensive in my book, so I’d sure hope they’re nice!

 

Have Plane Seats Really Shrunk – The Telegraph

This article shows which airlines have the most and least legroom. It also compares how the sizes of seats in many of the airlines have changed over the past 30 years. It’s kind of funny to me that over that 30 years while people seem to be getting fatter, the seats are getting smaller.

 

Google’s In-flight Wi-fi Play – Paxex.aero

Is Google going to make a run at in-flight wi-fi? Well, it’s uncertain, but this article explains why it may be a potential for the tech giant. I’d have to say, more options for wi-fi on planes would be a good thing. Sometimes in-flight wi-fi is a bit too pricey for my budget and maybe this will help.

 

Travel Contests – Johnny Jet

To end today’s Travel Blog News, I’ll leave you with this weeks travel contests and giveaways. You may think you’ll never win one because the odds are so bad, but it’s not true. Someone’s gotta win… why not you. I used to sign up for every travel giveaway I saw and I surprisingly won 5 or 6 giveaways, including 100,000 Starwood points which ended up giving me about 10 free nights at some great hotels.

 

SW Rapid Rewards Double Points – Frequent Flyer Bonuses

First up, we have a short article from Frequent Flyer Bonuses, that tells you about a Southwest Airlines promotion that you need to sign up for if you’re planning on flying with them before summer. Two words – DOUBLE MILES!

 

Damning Allegiant Air Safety Expose – Live & Let Fly

Here’s one that’s been on just about every travel blog this week. It’s about a 60 Minutes episode that talks about an airline that’s not safe to travel on. Supposedly, many of their pilots don’t let their families fly the airline they work for. Hmmmm… who could it be? Maybe you’ve flown them. It’s US budget airline, Allegiant. Stay safe Travel Tribe.

 

Pay Rent by Credit Card for 1.5% Fee – Frequent Miler

This travel news article shows you how it’s now possible to pay your rent with a credit card for a 1.5% fee. That may sound crazy to pay extra, but it could be useful if you’re trying to meet a minimum spend on a new credit card.

 

How to Save on Car Rentals – Million Mile Secrets

Car rentals are always a difficult one for me. You don’t get a lot of value using your points on them, but it’s also sometimes hard to find a decent deal. I usually check Hotwire and Costco Travel, but will definitely be trying out the tricks I just learned in this article.

 

Top Travel Mistakes and How to Avoid Them – Travel with Grant

Part 1 | Part 2

Travel with Grant lists out quite a few travel mistakes that are easy to make. I’ve done a few of these, and I’m sure you have too. This will be a good reminder of how to avoid these travel mistakes in the future.

 

Chase Cards You Can Still Apply For Despite the “5/24” Rule – Deals We Like

Chase bank has a rule for many of their credit cards, where you will be declined if you’ve added 5 new credit cards in the past 24 months. This number is easily reachable if you’re a points and miles traveler, trying to rack up miles and points. Luckily this rule does not apply to ALL Chase credit cards. Here is a list of the Chase Credit Cards that DO NOT fall into this rule.

 

The Best Airplane Seat to Avoid Catching a Cold – GODSAVETHEPOINTS

Nothing is worse than getting sick while on vacation. I learned a few things from this blog post and I’m sure you will too. Here’s to never getting sick from being on a plane again!

 

How to Save Money on Food while Traveling – Bald Thoughts

This one’s about saving money on food during your travels. My personal favorite way to save on food, is by staying at condos. With a kitchen, I’m able to pack snacks and lunches while on the go, and make meals for a majority of the trip’s dinners. Most condos also have public barbecues!

 

How to Book the Best Stopover Possible – Travel with Grant

Stopovers are when, instead of flying from point A to point C, you fly from A to B and spend some time visiting, then finish your route to point C. I need to start taking advantage of this more myself.

 

Why to Always Redeem Points When you Can – Point Me to the Plane

Use them, or lose them. Well, sort of… Points and miles occasionally are devalued and end up not being worth as much in travel rewards. Also, if you have inactivity in your accounts, you may lose your points. Don’t let that happen. Trust me, I let some expire on accident recently and I’m still upset about it.

 

Why You Should Always Check Alternative Airports – Frugal Travel Guy

When booking tickets, remember to always check alternative airports for both departure and arrival locations. If you’re having trouble finding a flight, every so often you’ll get lucky and this will save you.

 

Travel blog ideas is an ongoing post that brings the best of the travel blogging world to you. Every day we read hundreds of blog post to look for the best. This Travel Freedom blog post will keep you up to date on all travel blog ideas from around the world.

How to Use the Chase Travel Portal with Ultimate Rewards

chase travel portal

There are two ways to redeem your Chase Ultimate Rewards for travel. Either through the Chase travel portal or with Chase transfer partners. Depending on what type of travel you want to book and how much it costs, you may or may not want to use the Chase travel portal.

 

Sometimes you’ll get a better redemption rate through the travel portal and other times it will be better by transferring your Ultimate Rewards to airline and hotel travel partners. In this post, we’ll show you what types of travel can be booked in the Chase travel portal, when it makes sense to use the travel portal, and how to earn points to use in the travel portal.

 

Types of Travel that the Chase Travel Portal Offers

When inside the Chase travel portal, you’ll have six redemption options. The two most popular are flights and hotels, but you can also book car rentals, activities, vacation rentals, and cruises. Recently, I’ve found a lot of value in booking hotel rooms through the Chase travel portal.

 

Flights

Through the Chase travel portal, you can book flights on 250 different airlines around the world. While it’s most often more beneficial to transfer your Ultimate Rewards to an airline to book, if you can find sale flights, you can get very good redemption rates in the travel portal.

 

Hotels

The Chase travel portal has an astonishing 272,000 worldwide hotels in their catalog. The largest of these hotel groups are Hyatt, Marriott and Hilton. Wherever you’re traveling, you shouldn’t have a problem finding a place to stay that is bookable in the Chase travel portal. I was recently searching for a hotel on the Oregon coast and had no problem finding an abundance of options. Booking hotels with Ultimate Rewards through the travel portal typically is a good option for non-luxury hotels. A hotel that costs $120 per night will only take 8,000 Ultimate Rewards.

 

Car Rentals

One of the worst parts about travel is booking car rentals. It seems that there’s no way to get a good deal unless you’re just very lucky. Renting a car through the Chase travel portal can make sense if the pricing is similar to other sources (Costco Travel & Hotwire) because you can get 1.5 cents per point on redemptions with the Sapphire Reserve. Otherwise, it’s smarter to book elsewhere for a better deal.

 

Activities & Events

This section of the Chase travel portal is labeled “Things to Do”. When you click on the tab you’ll have to select a location and date range to see what activities are available. Searching in San Diego for an upcoming trip, to my surprise, I found that almost all the popular things to do there are available. The San Diego Zoo, USS Midway Museum, Legoland, whale watching are all available. Even cooking classes, tours, escape rooms, and special meals are available. Honestly, I had no idea this existed. I’m going to book a few fun activities for our upcoming getaway. PS: Who knew there were so many different Segway tours in San Diego?!? “Lookout! Here comes another Segway gang!”

 

Vacation Rentals

The vacation rentals seem to be condos that are run by large companies. It’s different than what you would find on VRBO or Airbnb in the sense that the condos aren’t actually individually owned homes. This section of the Chase travel portal could be a good place to book a condo for family vacation where you want to prepare your own meals.

 

Cruises

The cruises section of the Chase travel portal actually takes you to a separate website. It looks like you can book cruises with Princess, Norwegian, and Celebrity but you have to call to book. Prices are listed in dollar amounts and range from $500 to $2000 per person, which should mean an Ultimate Rewards cost of about 33k to 133k points if you’re using the Sapphire Reserve.

Chase Ultimate Rewards travel portal

 

How Much are Ultimate Rewards Worth in the Travel Portal?

Depending on which Chase Ultimate Rewards credit card you’re using to book travel in the Chase travel portal, the value of your points will vary. Each of the Chase credit card accounts will have a set redemption value ranging from 1 cent per point to 1.5 cents per point.

 

The secondary Chase Ultimate Rewards credit cards only have a redemption value of 1 cent per point, while the primary cards get a premium redemption rate. Points in Sapphire Preferred and Ink Business Preferred accounts can be redeemed at 1.25 cents per point. The king of value in the Chase travel portal goes to the Sapphire Reserve. Ultimate Rewards in a Sapphire Reserve account can be redeemed for the max value of 1.5 cents per point.

 

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

 

How to Book Travel with Chase Ultimate Rewards

To book any of the previously mentioned types of travel through the Chase travel portal, you’ll first need to login to your account. This will take you to the Chase Ultimate Rewards login page. You’ll then select “Travel” from the selections at the top of the page. From there, you’ll select which category of travel you want to book. The rest is pretty self-explanatory, searching for the exact flight, hotel, car, activity, condo, or cruise that you desire.

 

 

The Chase Travel Portal is Now Powered by Expedia

In October of 2018, the Chase travel portal began using Expedia to power its travel booking. With the travel search engine changes come a few changes to the way Ultimate Rewards bookings work.

 

The good news about this change is that Chase Ultimate Rewards customers now have access to more than double the travel options. Chase’s partnership with Expedia has opened up access to 272,000 hotels and 250 airlines, worldwide. Being powered by Expedia also lets you book 11 months in advance, which is 2 extra months.

 

The bad news about Expedia powering the Chase travel portal is that they no longer have low-cost airline carriers. Frontier, Allegiant, Spirit, and even Southwest are no longer bookable in the Chase travel portal. Southwest is the worst news of those, as you were able to book flights directly with Ultimate Rewards (at a 1.5 cents per point rate with Sapphire Reserve) and later add a companion with your Southwest Companion Pass.

 

Are there Chase Travel Promo Codes?

People are always wondering if there are promo codes that can be used for Chase Travel. There are not. In the past, there have been a few promo codes that worked in the Chase travel portal, but there is no longer even an input box for promo codes. There are other types of promo codes that have to do with Chase, but not in the travel portal. You can read more about them in our Chase Ultimate Rewards promo code post.

ultimate rewards travel portal

 

Is the Chase Rewards Portal the Best Way to Use Chase Ultimate Rewards?

With Chase Ultimate Rewards, you have multiple redemption options. This is what makes Ultimate Rewards so valuable. They’re the most flexible points that you can get with a credit card. But, which option is the most valuable?

 

“It depends”, of course. The answer to everything when it comes to travel points, it seems. Sometimes it’s more valuable to use the Chase travel portal and sometimes it’s more valuable to transfer your points to Chase travel partners. What it comes down to is how many cents per point your redemption will earn you.

 

For instance, if you want to book a hotel room that is a Hyatt category 4 hotel in the World of Hyatt program, you have two options that use Chase Ultimate Rewards. It will take 15,000 points if you transfer your points to Hyatt to book directly. If that same room costs less than $225 (including taxes & fees) on the Chase travel portal, you’ll be able to book it for less than 15,000 points (with a Sapphire Reserve). For this reason, if the room costs less than $225 you’ll want to book in the Chase travel portal, but if it costs more, you’ll want to transfer points to Hyatt to book.

 

Redeeming through Chase Transfer Partners Instead

Like in the example above, you can see that sometimes it’s much more rewarding to transfer points to a travel partner instead of booking through the travel portal. If a flight that costs $750 can instead be booked with 25,000 airline miles, it’s a far better option to transfer. In this example, using the transfer partner would earn a redemption rate of 3 cents per point. That’s double the redemption rate of using the travel portal, even with the 1.5 cents per point rate of the Chase Sapphire Reserve.

 

Below are the travel partners that you can transfer Chase Ultimate Rewards to at a 1:1 ratio.

 

Chase Transfer Airline Partners

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

 

Chase Transfer Hotel Partners

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

 

Travel Credit Cards that Earn Ultimate Rewards

All this talk about Chase Ultimate Rewards might have you wondering how you can earn some for yourself. There are seven credit cards that earn Chase Ultimate Rewards. Below are the four personal cards and the three business cards. They all have their own features and benefits that make them unique for earning points. Some of them even have some great travel benefits.

 

Personal Chase Ultimate Rewards Credit Cards

 Sapphire Preferred
Sapphire Reserve
Chase Freedom
Freedom Unlimited
Signup Bonus60,00050,000$150 (15,000 pts)3% on all purchases in first year (up to $20,000 in spend)
Bonus Spending Categories2X on travel and dining3X on travel and dining5% on select rotating quarterly categories1.5% on all purchases after year 1 (no limit)
Annual Fee$95$450$0$0
Extra PerksBaggage insurance, trip insurance, rental car insurance$300 annual travel credit, TSA PreCheck or Global Entry, Priority Pass SelectPurchase protection, extended warrantyPurchase protection, extended warranty
Best for People Who...Want a large introductory bonus

Like to Travel
Want a large introductory bonus

Want luxury travel benefits

Travel often
Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simplicity in earning points
Learn More >>Learn More >>Learn More >>Learn More >>

 

Business Chase Ultimate Rewards Credit Cards

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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
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Decision Time: Travel Portal vs Travel Partners?

Now that you have all the details about the Chase travel portal and you’ve seen what Chase transfer partners can do, you’re ready to decide how to use your Ultimate Rewards. I suggest that when you are booking travel to check both options to see which is a more valuable redemption. In the past, I’ve made the mistake of not comparing. Come to find out I used 15,000 points when I could have used 9,500 on the same exact hotel. In certain situations, they can both be very good redemption options for your Chase Ultimate Rewards.

 

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